Core Viewpoint - The article discusses the shift in focus of major banks in China from merely attracting deposits to enhancing asset management and wealth management services, particularly through promotional activities aimed at increasing the scale of various financial assets held by customers [5][6]. Group 1: Asset Enhancement Activities - Major state-owned banks have launched attractive "asset enhancement" activities, shifting their focus from deposit acquisition to increasing assets under management (AUM) and strengthening wealth management [5][6]. - For example, Agricultural Bank of China has set up a structured "Unified Asset Enhancement Activity" from January to March 2026, with rewards based on the increase in average financial assets compared to December 2025, offering rewards ranging from 52,000 to 2,400,000 "small beans" based on different tiers of AUM [6][8]. - The rewards can be exchanged for various products and services, with the highest tier potentially offering over 12,000 yuan in value [8]. Group 2: Competitive Strategies Among Banks - Different banks are implementing various strategies to attract and retain customers, such as Industrial and Commercial Bank of China's "Increasing Rewards" program, which targets customers with lower average financial assets and offers rewards based on asset increases [9]. - Other banks like China Construction Bank and Bank of China are also running similar promotional activities, with varying reward structures and incentives for asset retention [9][10]. - Some smaller banks have raised deposit rates to attract customers, with increases of up to 20 basis points, indicating a competitive environment for customer deposits [11][14]. Group 3: Market Context and Challenges - The banking sector is facing challenges due to declining deposit rates, with significant amounts of term deposits maturing in 2026, leading to increased competition for retaining these funds [12][13]. - The total amount of term deposits maturing this year is estimated at 67 trillion yuan, with a notable portion maturing in the first quarter, creating pressure on banks to retain customers [12][13]. - Banks are increasingly focusing on enhancing their middle-income strategies and wealth management capabilities to counteract the challenges posed by smaller banks and changing customer preferences [13].

Core Viewpoint - Huang Qifan emphasizes the need to increase direct financing through a dual approach, developing both the stock market and equity investment funds, suggesting the establishment of a guiding fund involving various financial sources [1][2]. Group 1: Funding Sources for Equity Investment - Huang Qifan estimates that if 3% of China's bank capital is allocated to equity investment, it could generate approximately 1 trillion yuan as a source for equity investment funds [1]. - The social security fund could potentially contribute around 2 trillion yuan if 30% of its assets are directed towards equity investment [1]. - Insurance funds, if allocated 30% for equity investment, could yield between 3 trillion to 4 trillion yuan for equity investment funds [1]. Group 2: Potential Scale of Equity Investment Funds - The aggregation of funds from banks, social security, insurance, and foreign exchange could create a guiding fund of over ten trillion yuan, potentially leading to a scale of 40 to 50 trillion yuan in equity investment funds to support corporate equity [2]. Group 3: Current Developments in Financial Asset Investment Companies (AIC) - As of 2024, the pilot program for financial asset investment companies has expanded to 18 cities, with signed agreements exceeding 350 billion yuan [3][4]. - The number of bank-affiliated AICs has grown to nine, with total signed amounts surpassing 3.8 billion yuan [5]. Group 4: Recent Initiatives and Fund Launches - The establishment of the Jianyuan Zhengxing Fund, with a scale of 7 billion yuan, marks the first instance of AICs participating in Shenzhen's strategic industry investments [6]. - China Bank has successfully launched a science and technology mother fund, expanding its scale to over 50 billion yuan, with a focus on long-term capital investment [6][7]. Group 5: Role of Social Security and Insurance Funds - Multiple social security science and technology funds have been launched in 2025, totaling 2.1 billion yuan, which will help attract more social capital to strategic industries [8]. - Since the policy shift in late 2020, insurance capital has increasingly invested in private equity, becoming a significant source of long-term capital for the VC/PE sector [9][10]. Group 6: Regulatory Changes and Future Expectations - The recent notification from the National Financial Supervision Administration allows insurance companies to invest up to 30% in single venture capital funds, enhancing support for the equity investment industry [9]. - The alignment of insurance capital with long-term investment characteristics is expected to facilitate a more stable investment environment in the equity investment sector [10][11].

Core Viewpoint - Major banks are shifting their focus from attracting deposits to enhancing assets under management (AUM) and wealth management, particularly as they face pressures from declining interest rates and expiring fixed deposits [2][11]. Group 1: Asset Enhancement Activities - State-owned banks have launched attractive "asset enhancement" campaigns, with rewards for customers based on the increase in their financial assets, with some rewards exceeding 10,000 yuan [1][2]. - Agricultural Bank of China has set up a structured asset enhancement activity with seven tiers based on the increase in AUM, offering rewards ranging from 52,000 to 2,400,000 "small beans" [4][5]. - The rewards can be exchanged for various goods and services, with the highest tier potentially offering over 12,000 yuan in value [5]. Group 2: Competitive Strategies - Banks are increasingly focusing on wealth management and middle-income strategies as a response to slow credit demand and ongoing cost reduction pressures [11]. - Some banks are adjusting their deposit rates, with smaller banks raising rates by up to 20 basis points to attract deposits amid competition [1][10]. - The shift towards enhancing AUM is seen as a strategic move to maintain customer relationships and prevent deposit outflows to smaller banks [11]. Group 3: Market Dynamics - The total amount of fixed deposits maturing in 2026 is projected to be 67 trillion yuan, with a significant portion maturing in the first quarter, creating a competitive environment for banks [10]. - The trend of increasing deposit rates by smaller banks poses a challenge to larger banks, which are focusing on maintaining customer loyalty through enhanced service offerings [11][12].

Core Viewpoint - The reservation for the Year of the Horse commemorative coins and banknotes has officially started, but many users are facing difficulties in securing their reservations due to high demand and technical issues with banking apps [1][3][5]. Group 1: Reservation Issues - The reservation process for the Year of the Horse commemorative coins and banknotes has become a trending topic on social media, with many users expressing frustration over the inability to secure their reservations despite being online at the designated time [3][5]. - Users reported various issues with banking apps, including page loading failures and system crashes, leading to a significant number of complaints about the reservation process [6][8]. - Bank representatives attributed the technical difficulties to the overwhelming number of simultaneous reservation attempts, stating that the systems were functioning normally despite the high traffic [8][10]. Group 2: Pricing and Market Demand - The official prices for the commemorative coins and banknotes are set at 200 yuan for a set of 20 coins and 400 yuan for a set of 20 banknotes, totaling 600 yuan [1][12]. - However, on secondary trading platforms, the prices for these sets have surged, with listings exceeding 1000 yuan and some reaching as high as 1500 yuan, indicating a strong demand in the collector's market [11][12]. - The popularity of commemorative coins and banknotes has been described as "phenomenal," with previous releases also experiencing similar high demand and rapid sellouts [14].

| 序号 当事人名称 | 行政处罚决定 | 违法行为终型 | 行政处罚内容 | 作出行政处罚 | 作出行政处罚 | 11 144 | | --- | --- | --- | --- | --- | --- | --- | | | 书文号 | | | 决定机关名称 | 安定日期 | 期限 | | 中国银行股份 有限公司山东 自分行 | 鲁根罚决字 2026 ) 1 음 | 违反金融统计相关规定。 | 简款500000元 | 中国人民银行 山东自力门 | 2026年1月4日 | = 또 | 1月14日金融一线消息，中国人民银行山东省分行行政处罚决定信息公示表显示，中国银行股份有限公 司山东省分行因违反金融统计相关规定，被中国人民银行山东省分行罚款500000元。 责任编辑：李琳琳 | 序号 当事人名称 | 行政处罚决定 | | 进法行为类型 | 行政处罚内容 | 作出行政处罚 | 北行政处罚 合示 备注 | | --- | --- | --- | --- | --- | --- | --- | | | 书文号 | | | | 决定机关名称 | 决定日期 100 PC | | 中国银行股份 有限公司山东 自分行 | ...

三、中国银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 2026年1月8日，河北金融监管局发布批复称，《中国银行股份有限公司河北省分行关于核准吴文治任职 资格的请示》（冀中银报〔2025〕209号）收悉。经审核，现批复如下： 二、中国银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国银行政许可决 定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批复文件失 效，由决定机关办理行政许可注销手续。 一、核准吴文治中国银行股份有限公司石家庄分行副行长的任职资格。 ...

Group 1 - The core event is the launch of the Bank of China UnionPay Great Wall Joy PLUS credit card, aimed at enhancing consumer spending and providing better financial services [1][2] - The credit card features unlimited benefits such as unlimited airport lounge access, unlimited roadside assistance, and unlimited cash back on cross-border transactions, emphasizing a customer-centric service approach [1] - The collaboration between China UnionPay and Bank of China marks a new phase in integrating financial resources and linking consumer demand, contributing to the construction of a new development pattern [2] Group 2 - The launch event took place on January 8, 2026, in Shanghai, highlighting the long-standing partnership between China UnionPay and Bank of China [1] - The credit card aims to stimulate market vitality by offering various promotional activities and rewards to cardholders, thus enhancing the overall consumer experience [1] - The product is available through both online and offline channels of Bank of China, making it accessible for consumers to apply and learn more about the offerings [1]

1月14日金融一线消息，据佛山金融监管分局行政处罚信息公开表显示，中国银行股份有限公司佛山分 行因固定资产贷款管理不到位，被罚款30万元。相关责任人员张栋、陈文杰被警告。 | 序 | 当事人名 | 主要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | ap | 称 | | | | | | 中国银行 | 固定资产贷款管理不到位 | 对中国银行股 | | | | 股份有限 | | 份有限公司佛 | | | 1 | 公司佛山 | | 山分行罚款30 | 佛山金融监管 | | | 分行及相 | | 万元。对张 | 分局 | | | 关责任人 | | 栋、陈文杰给 | | | | 品 | | 予警告。 | | 责任编辑：王馨茹 | 序 | 当事人名 | 主要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | ap | 称 | | | | | | 中国银行 | 固定资产贷款管理不到位 | 对中国银行股 | | | | 股份有限 | | 份有限公司佛 | | | 1 | 公司佛山 | ...

1月14日金融一线消息，据佛山金融监管分局行政处罚信息公开表显示，中国银行股份有限公司顺德分 行因贷款"三查"不到位，被罚款25万元。相关责任人员黄智钦被警告。 1月14日金融一线消息，据佛山金融监管分局行政处罚信息公开表显示，中国银行股份有限公司顺德分 行因贷款"三查"不到位，被罚款25万元。相关责任人员黄智钦被警告。 | 序 | 当事人名 | 主要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | ap | 称 | | | | | | 中国银行 股份有限 | 贷款"三查"不到位 | 对中国银行股 德分行罚款25 | 佛山金融监管 | | | | | 份有限公司顺 | | | 1 | 公司顺德 | | | | | | 分行及相 | | | 分局 | | | | | 万元。对黄智 | | | | 关责任人 | | 钦给予警告。 | | | | 号 | | | | 责任编辑：王馨茹 责任编辑：王馨茹 | 性 | 当事人名 | 丰要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- ...

据国家金融监督管理总局的批复文件显示，河北金融监管局同意吴文治出任中国银行石家庄分行副行长。 图源：国家金融监督管理总局网站 ...