Group 1 - The global financial market in 2025 is characterized by significant changes, with gold emerging as a key asset due to rising geopolitical risks and challenges to the dollar's credit system [1][3] - International gold prices have reached historical highs over fifty times in the year, with London gold experiencing a remarkable annual increase of 64.56%, establishing its status as a core strategic asset [1][3] - The rise of gold is rooted in deep changes in the global economy and monetary order, with U.S. government debt at high levels and the dollar's share in global foreign exchange reserves dropping to a nearly 30-year low [3] Group 2 - The China Banking Corporation has shown exceptional foresight in its assessment of gold trends, consistently advocating for gold as a strategic asset since 2023, leading to cumulative investor returns of nearly 150% by the end of 2025 [4] - The 2025 Personal Financial Global Asset Allocation White Paper accurately predicted trends in the A-share market, RMB exchange rate, and bond market, confirming the bank's professional insights [5] - The report indicated that the A-share market would experience a slow bull pattern, with trading volume exceeding 420 trillion yuan and margin financing balances rising to 2.5 trillion yuan [5] Group 3 - The latest 2026 Personal Financial Global Asset Allocation White Paper provides clear guidance for asset allocation, prioritizing precious metals, non-ferrous metals, equities, and bonds [6] - Gold is expected to maintain its long-term potential for new highs, while the A-share market is anticipated to benefit from global easing and domestic capital inflows [6] - The report forecasts that the RMB exchange rate will continue to exhibit two-way fluctuations, and the yield on 10-year government bonds is expected to stabilize between 1.6% and 1.9% [6] Group 4 - The China Banking Corporation emphasizes a long-term investment philosophy, utilizing professional research and scientific methods to help clients build resilient asset portfolios that can withstand market cycles [7] - The bank aims to guide investors in seizing global asset opportunities through systematic and disciplined asset allocation strategies [7]

REPORT ON GLOBAL ASSET ALLOCATION STRATEGY BY PRIVATE BANKING BANK OF CHINA 2026 中国银行个人金融全球资产配置 自皮书 2025黄金领涨：主升浪中彰显资产硬实力 2025年的全球金融市场，在变局与重构中走出波澜壮阔的行情，黄金无疑是其中最受关注的资产之 一。地缘政治风险持续攀升，叠加美元信用体系面临系统性挑战，国际金价在年内五十多次刷新历史 新高，伦敦金全年涨幅高达64.56%，不仅远超前两年表现，更以强劲的主升浪确立了其作为核心战 略资产的地位。 多维验证：股汇债市场印证专业洞察力 这种专业洞察力同样体现在对全市场的判断上。 2025年初发布的《2025个人金融全球资产配置白 皮书》对A股、人民币汇率及债券市场的预判，均被全年行情一一印证。报告提出"中国资产价值重 估开启、A股慢牛格局基本形成"，而2025年A股成交额突破420万亿元，两融余额升至2.5万亿元， 长期资金积极入市，市场韧性尽显；在汇市方面，白皮书预判美元"例外论"终结、人民币具备稳定 基础，全年人民币兑美元稳中有升，年末守稳7关口；债券市场上，报告指出中债将展现 ...

Core Viewpoint - The recent announcement by four departments regarding the optimization of personal consumption loan interest subsidy policy expands the support scope to include credit card bill installments, with a subsidy rate of 1% per annum [5][6]. Group 1: Policy Details - The subsidy policy allows each borrower to enjoy a maximum annual subsidy of 3,000 yuan, enabling a personal consumption loan limit of up to 300,000 yuan at a single financial institution [7]. - The subsidy period has been extended by four months, allowing eligible consumers to benefit from the policy from September 1, 2025, to December 31, 2026 [9]. - The policy removes previous restrictions on consumption categories, allowing loans for amounts of 50,000 yuan and above to be used for various purposes, including but not limited to automotive, tourism, and education [10]. Group 2: Implementation by Banks - Multiple banks, including Agricultural Bank, Bank of China, and Postal Savings Bank, have quickly released implementation details, emphasizing the direct deduction of subsidy funds from loan interest or installment payments for eligible customers [8][11]. - Customers must sign a supplementary agreement with the bank to benefit from the subsidy, and banks will not charge any fees for this process [14][17]. - Specific banks have set different rules for credit card bill installment subsidies, with Agricultural Bank capping the subsidy at 50% of the agreed annualized interest rate [13]. Group 3: Compliance and Fraud Prevention - Banks have emphasized strict measures against fraudulent activities, stating that any false consumption or non-compliance will result in the denial of subsidy benefits [15][16]. - The banks will not engage third parties for processing the subsidy applications, ensuring that all transactions are conducted through official channels [15][17].

一方面，中行、建行、工行三家国有大行"老将"到龄退休交棒，中小银行也加速"抢人"步伐，从外部引进资深金融科技人才。 另一方面，多家银行副行长与首席信息官为同一人，为科技负责人给予更高的权责，从而深度参与战略决策，在上市银行业绩 发布会上，越来越多的首席信息官"亮相"，从幕后走向台前。 "商业银行设立首席信息官，是银行数字化转型从'选择题'变为'必答题'的重要措施。"招联首席研究员、上海金融与发展实验室 副主任董希淼向记者表示，专设首席信息官有助于银行增强面向未来的发展能力与服务能力。 全年22家银行科技"一把手"变动 21世纪经济报道记者李览青 随着银行科技战略的不断推进，2025年，作为科技"掌门人"的首席信息官在银行数智化转型中承担着越来越重要的角色。 据21世纪经济报道记者不完全统计，2025年有22家银行科技"一把手"出现变更。 从中小银行的首席信息官聘任路径来看，既有内部提拔的业务骨干，亦有深耕金融科技领域的外部人才引进。 例如在龙江银行CIO那群威任职资格获批前，该行曾公开对外招聘，彼时其任职要求为，具有15年以上（含）信息科技相关工作 经验，曾任国有大型商业银行省级分行科技部门总经理；具有大学本 ...

格隆汇1月21日｜中国银行在北京、香港同步推出个人金融全球服务方案，依托"全球账户"功能，在境 内外多地开展推广。该方案聚焦跨境客户需求，提供全球账户概览、资产配置、便捷汇划、发薪便利及 尊享权益等五大核心服务，实现手机银行跨境可视、多币种资产配置与高效汇款等功能。现场还发布了 《2026中国银行个人金融全球资产配置白皮书》和《2026中国高净值人群财富管理白皮书》，持续为客 户的全球资产布局提供专业支持。中国银行表示，将继续优化全球服务，助力客户实现价值。 ...

1月21日金融一线消息，当地时间1月20日，《Brand Finance 2026年全球品牌价值500强榜单报告》在瑞 士达沃斯正式发布。 《Brand Finance 2026年全球品牌价值500强榜单报告》显示，银行业凭借79个品牌，为总价值贡献了 12.5%。其中，13家中国银行品牌以4170亿美元总价值占据行业鳌头，同比增长1.4%。 中国工商银行在榜单中的排名为第12名，凭借908.8亿美元的品牌价值和91.5分的品牌强度指数稳居全球 银行品牌榜首，获得AAA+评级。 上榜的中国银行品牌还有中国建设银行（排名14）、中国银行（排名17）、中国农业银行（排名19）、 招商银行（排名74）、中信银行（排名128）、中国邮政储蓄银行（排名134）、交通银行（排名 167）、上海浦东发展银行（排名272）、兴业银行（排名274）、中国民生银行（排名404）、中国光大 银行（排名461）、恒生银行（排名462）。 | 2025 2026 | | | 2026 2026 | 2026 | 2025 | | --- | --- | --- | --- | --- | --- | | 排名 | 排名 品牌 | | ...

Core Viewpoint - The Bank of China has launched a global financial service plan focused on cross-border clients, enhancing its global service capabilities and addressing the increasing demand for comprehensive financial solutions [1][3]. Group 1: Service Features - The service plan includes five core functions: global account overview, global asset allocation, global convenient remittance, global payroll convenience, and global premium rights [3]. - The integration of the Bank of China's mainland and Hong Kong mobile banking allows for a seamless experience where clients can initiate transactions from one end and view them on both ends [3]. - A specialized strategy system offers a full market, multi-strategy, and multi-currency global product shelf, enabling tailored global asset allocation solutions [3]. Group 2: Cost and Convenience - The service emphasizes four key features: more economical costs, faster remittance, enhanced security, and greater operational convenience for global remittance services [4]. - The "Bank of China Global Payroll" service provides a comprehensive financial ecosystem from enterprises to employees and from individuals to families [5]. Group 3: Global Reach and Publications - Clients can open local Bank of China or Bank of China Hong Kong accounts in over ten countries or regions, enjoying corresponding tiered services with a single identity [5]. - The Bank of China also released the "2026 China Bank Personal Financial Global Asset Allocation White Paper" and the "2026 China High Net Worth Wealth Management White Paper," continuing its commitment to meet client asset allocation needs [5].

Core Insights - The Bank of China has launched a personal financial global service plan based on the "global account" feature, aiming to enhance cross-border financial services and meet the higher demands of cross-border clients [1][3] - The service plan includes five core functions: global account overview, global asset allocation, global convenient remittance, global payroll convenience, and global premium rights [3] - The bank has also released two white papers focused on global asset allocation and wealth management for high-net-worth individuals, continuing its commitment to respond to client asset allocation needs [3] Group 1 - The launch of the global service plan is part of the Bank of China's efforts to optimize cross-border trade and investment facilitation measures [3] - The service aims to provide a one-stop, full-cycle support for cross-border clients, enhancing the accessibility and convenience of financial services [3] - The bank has integrated its mainland and Hong Kong mobile banking services, allowing for a seamless experience where clients can initiate transactions from one end and view them on both ends [3] Group 2 - The bank emphasizes four key features of its global remittance services: cost-effectiveness, speed, security, and convenience [3] - The "Bank of China Global Payroll" service supports a comprehensive financial ecosystem from enterprises to employees and individuals to families [3] - Clients can open local accounts in over ten countries or regions and enjoy corresponding tiered services with a single identity [3] Group 3 - The Bank of China aims to enhance its global service layout with a broader vision, practical measures, and superior services to accompany global clients in creating value [4]

Market Overview - The Shanghai Composite Index rose by 0.08% on January 21, with 18 out of the 28 sectors experiencing gains. The top-performing sectors were non-ferrous metals and electronics, with increases of 2.79% and 2.62% respectively [1] - The banking and coal sectors were the worst performers, declining by 1.58% and 1.57% respectively, with the banking sector leading the decline [1] Capital Flow - The net inflow of capital in the two markets was 11.983 billion yuan, with 14 sectors seeing net inflows. The electronics sector had the highest net inflow of 16.369 billion yuan, while the non-ferrous metals sector followed with a net inflow of 7.289 billion yuan [1] - Conversely, 17 sectors experienced net outflows, with the power equipment sector seeing the largest outflow of 6.688 billion yuan, followed by the defense and military industry with a net outflow of 2.906 billion yuan [1] Banking Sector Performance - The banking sector saw a decline of 1.58% with a net outflow of 447 million yuan. Out of 42 stocks in this sector, only one stock rose while 41 stocks fell [2] - Among the stocks with net inflows, Hangzhou Bank led with an inflow of 153 million yuan, followed by China Transportation Bank and Jiangsu Bank with inflows of 106 million yuan and 96.849 million yuan respectively [2] - The stocks with the highest net outflows included Agricultural Bank of China, Industrial and Commercial Bank of China, and Bank of China, with outflows of 555.7 million yuan, 227.4 million yuan, and 167.4 million yuan respectively [2] Detailed Banking Sector Data - A detailed table of banking stocks shows various performance metrics, including daily price changes and turnover rates. For instance, Agricultural Bank of China decreased by 2.93% with a turnover rate of 0.17% and a net outflow of 55.707 million yuan [3] - Other notable declines included Industrial and Commercial Bank of China at -2.52% and Bank of China at -2.02%, with respective net outflows of 22.740 million yuan and 16.737 million yuan [3]

上海高级研修院院长杨益民退休；历任中行任宁波市分行副行长，上海分行副行长，总行个人金融部总 经理，上海金融研修院党委书记、中银大学副校长。 广西区分行行长易光明，拟任上海高级研修院院长；曾任中行海南省分行副行长，2017年5月任西藏分 行行长，2020年调任广西分行行长。 来源：金融人事mini 上周，银行人事分享了中行总行人事变动，本期主要介绍地方分行调整，涉及多家一级分行行长、副行 长。 据了解，上海高级研修院是中行总行的直属机构，主要负责培训项目开发与实施、网络培训系统运维、 教学研发等工作，围绕全行公司金融、个人金融、科技金融、绿色金融、普惠金融、养老金融等领域， 为人才培养及学科建设提供专业支持；同时作为中国银行党校（上海校区），负责开发各类党校课程及 党校培训项目实施。 云南省分行行长俞兆强，拟任广西区分行行长；曾任中行福清分行行长，福建省分行公司金融部总经 理，河北省分行副行长兼雄安分行行长，2023年2月起任中行云南省分行行长。 北京分行副行长李红文，任总行资产负债部副总经理；曾任中行湖北省分行副行长。 上海分行副行长胡辉，任上海分行首席。 陕西省分行副行长高明，任远程银行中心西安分中心总经理 ...