证券之星消息，1月21日股份制银行板块较上一交易日下跌1.78%，中信银行领跌。当日上证指数报收于 4116.94，上涨0.08%。深证成指报收于14255.12，上涨0.7%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 000001 | 平安银行 | 11.07 | -0.81% | 90.01万 | 10.01亿 | | 601818 | 光大银行 | 3.36 | -0.88% | 255.85万 | 8.64亿 | | 600015 | 华夏银行 | 6.50 | -0.91% | 57.34万 | 3.74亿 | | 600016 | 民生银行 | 3.76 | -1.05% | 276.70万 | 10.45 Z | | 600036 | 招商银行 | 38.24 | -1.27% | 121.50万 | 46.84亿 | | 601916 | 浙商银行 | 2.96 | -1.33% | 141.40万 | 4.21亿 | | 601166 | ...

Core Viewpoint - The recent successful launch of satellites by major banks in China, including China Merchants Bank and Shanghai Pudong Development Bank, signifies a strategic shift towards utilizing satellite technology for enhancing financial services and risk management in the banking sector [1][2][3]. Group 1: Satellite Launches and Their Purpose - China Merchants Bank and Shanghai Pudong Development Bank have joined Ping An Bank in launching satellites, indicating a trend among banks to leverage space technology for business needs [2][4]. - The satellites are part of the "Tianqi Constellation," which aims to provide global coverage and enhance communication capabilities, thereby improving data transmission and supporting more devices [4][5]. - The "Zhaoyin Jinkui" satellite launched by China Merchants Bank is designed to enhance the density of the satellite constellation and reduce revisit intervals, which will significantly improve global communication capabilities [4][5]. Group 2: Business and Risk Management Enhancements - Banks are utilizing remote sensing satellite technology for precise monitoring of collateral and project progress, which enhances post-loan management efficiency and reduces credit risk [3][7]. - The integration of satellite technology into financial risk control systems allows banks to monitor real-time data from various sectors, addressing information asymmetry in lending [7][8]. - For instance, China Merchants Bank has implemented a high-precision construction monitoring system for mortgage projects, achieving over 95% accuracy in monitoring construction progress [8]. Group 3: Applications in Supply Chain and Disaster Recovery - Satellite technology is crucial for expanding supply chain finance by providing timely and effective data transmission, especially in remote areas where traditional communication may fail [9][10]. - In extreme scenarios, such as natural disasters, satellite communication ensures business continuity for banks by maintaining service availability when ground networks are disrupted [11][12]. - The banks' involvement in satellite launches also aligns with national strategies, enabling them to support the commercial space industry while enhancing their service offerings [12][13]. Group 4: Broader Industry Implications - The trend of banks launching satellites is not limited to a few institutions; it is gradually permeating various banking operations, enhancing risk management capabilities across sectors like agriculture and logistics [13][14]. - The adoption of satellite remote sensing technology is becoming a standard practice in the banking industry, reflecting a shift towards innovative financial services that integrate advanced technologies [14].

马明俊（图片来自网络） 深圳"十五五"规划锚定了全球"产业金融中心"的蓝图坐标，对本地金融业尤其银行机构的"角色扮演"提 出更高要求。南都湾财社记者梳理注意到，在过去的2025年，深圳至少有8家商业银行调整了"一把 手"，其中不乏国有大行和头部股份行。深圳是金融机构战略纵深与实践检验的关键区域，对于"封疆大 吏"的考量和落棋也会更加审慎。与此同时，密集"换将"的背后，深圳银行业如何集体赶考"产业金融中 心"，也有待检验。 深圳工行和中行"空降"一把手 2026年1月13日，深圳金融监管局批复了熊焘出任工商银行深圳市分行行长的任职资格，这意味着"宇宙 行"在深圳的"掌门人"正式落定。实际上，他在去年底已经接替原行长董建军成为深圳工行"一把手"。 熊焘是一位从工行体系内成长起来、拥有丰富的对公业务和分行管理经验的金融高管，投行和科创成为 他身上投射的两张重要标签。记者注意到，这名年轻高管对于科技型企业全生命周期需求、投贷联动、 投早投小投硬、服务科技企业人才等维度均有一定洞察。从"最大省级分行"到"金融先行特区"，熊焘如 何将其在省行积累的科技金融与投行业务等理念与实践，借鉴、适配到深圳这个科技创新的新高地，并 ...

Group 1 - The Shanghai Free Trade Account (FT Account) has seen significant developments recently, with the approval of new financial institutions and upgrades to existing accounts, indicating a potential increase in foreign participation in China's cross-border financial activities [1][2] - Morgan Stanley Bank (China) Limited's Shanghai branch has been approved as the first new FT account financial institution in over five years, marking a notable opportunity for foreign banks in the region [1] - As of the latest update, there are 62 financial institutions with FT account qualifications in Shanghai, with 49 being banks, reflecting a growing trend in the FT system [1] Group 2 - The implementation of the "Implementation Measures for the Function Upgrade of Free Trade Accounts" by the People's Bank of China on December 5 has introduced significant policy upgrades, allowing for more flexible cross-border fund transfers [2][4] - The new regulations enable trial enterprises to conduct capital account business without the constraints of external debt quotas or prior registration with foreign exchange authorities, enhancing operational efficiency [2][4] - Major banks, including state-owned and foreign banks, have quickly responded to the new policy by facilitating the opening of upgraded FT accounts for clients, indicating strong market interest and potential for increased cross-border trade [3][4] Group 3 - The recent policy changes are expected to create a multiplier effect for cross-border trade and investment, improving the efficiency of capital allocation for enterprises [4] - The expansion of the FT account system is anticipated to continue, with more financial institutions likely to be added to the list of qualified entities in the future [5]

2026年1月20日，财政部、中国人民银行、金融监管总局联合发布《关于优化实施个人消费贷款财政贴 息政策有关事项的通知》（财金〔2026〕1号），明确延长政策实施期限、扩大贴息范围、调整贴息标 准。 《通知》发布后，部分国有行和股份行迅速响应，包括中国银行、中国农业银行、中国邮政储蓄银行、 交通银行四家国有银行，及招商银行这一代表性股份行密集发布落实细则与客户问答，从核心规则到操 作流程全方位为消费者提供指引，助力政策红利快速落地。 期限、范围、标准三大调整全覆盖 政策红利精准释放 此次新政的三大核心变化，在国有行与股份行的细则中均得到全面体现。实施期限方面，调整后个人消 费贷款贴息政策统一覆盖2025年9月1日至2026年12月31日；其中新增的信用卡账单分期贴息专项实施期 为2026年1月1日至2026年12月31日。国有行中，中国农业银行特别说明，2026年1月1日至政策发布日期 间已办理的信用卡账单分期，可致电客服热线申请补享贴息。 新旧政策衔接方面，国有行与股份行均遵循"无需重复操作"原则。国有行中的中国银行、交通银行、邮 储银行明确，前期已申请贴息的贷款或已签署协议的客户，2026年1月1日后消费 ...

（文章来源：证券时报网） 据iFinD统计，截至1月20日，沪深两市共有107股连续5日或5日以上获融资净买入。连续获融资净买入 天数最多的股票是华天酒店，连续12个交易日获净买入；连续获融资净买入天数较多的还有招商银行、 平安银行、分众传媒、新华保险、鸿富瀚、开勒股份、新产业、中国平安等股。 ...

Group 1 - The Ministry of Finance and other departments have released five policy documents aimed at optimizing financial support for personal consumption loans, equipment updates, private investment guarantees, service industry loans, and small and micro enterprise loans [1][9][29] - The personal consumption loan subsidy policy has been extended until December 31, 2026, with adjustments to the subsidy standards and an expanded range of supported financial institutions [4][5][6] - The equipment update loan subsidy policy includes a 1.5% subsidy on fixed asset loans for equipment updates, applicable for up to two years, and has been expanded to include various sectors such as construction, aviation, and digital technology [10][11][12] Group 2 - The private investment guarantee plan has a total quota of 500 billion yuan, to be implemented over two years, focusing on supporting small and micro enterprises in various sectors including technology upgrades and service industry enhancements [17][18] - The plan includes a risk-sharing mechanism where banks will bear at least 20% of the loan risk, while the government guarantee fund will cover up to 80% [19] - The government will also reduce guarantee fees and increase the compensation limit for the guarantee fund to enhance support for private investments [20] Group 3 - The service industry loan subsidy policy has been extended to December 31, 2026, with an increased subsidy cap of 10 million yuan per loan and a 1% annual subsidy rate [23][24] - The policy now includes additional sectors such as digital, green, and retail industries, expanding the scope of financial support [24][25] - The implementation of these policies will involve streamlined processes for fund allocation and enhanced collaboration among financial institutions and regulatory bodies [26][28]

Core Insights - The high-interest deposits are set to mature starting from October 2025, with a significant amount of funds, estimated to be in the tens of trillions, facing a critical decision point in 2026 [1][2] - The current downward trend in deposit rates has led to a shift in investment strategies among different risk-averse customer segments, with over half expected to reinvest in deposits while others may explore wealth management products and capital markets [1][2] Group 1: Market Dynamics - The concentration of high-interest deposit maturities is expected to peak in the first quarter of 2026, aligning with traditional banking practices for attracting new business [1] - The estimated scale of maturing high-interest deposits this year is projected to reach tens of trillions, indicating a substantial liquidity event in the market [2] Group 2: Customer Behavior - There is a notable divergence in product selection among customer groups based on their risk tolerance, with 50%-60% of maturing deposits likely to be reinvested in deposit products [2][3] - Customers prioritizing safety over yield are likely to convert maturing fixed deposits into demand deposits before potentially reinvesting in fixed deposits again [2] Group 3: Industry Response - Banks are undergoing a systemic transformation in response to the pressures of deposit outflows, focusing on product innovation and marketing strategies to retain customers [3][4] - The shift in assessment metrics from solely deposit volume to a broader asset management perspective encourages banks to prioritize comprehensive customer asset management [4] - Financial institutions are developing deposit-replacement products that offer better returns than traditional deposits, catering to clients willing to accept slight fluctuations in net value [4]

Group 1 - The article summarizes the recent appointments of over ten branch presidents and vice presidents at Ping An Bank as the year comes to a close [1][30] - Wang Lan, previously the president of Ant Bank (Macau), has joined Ping An Bank as the president of the Hong Kong branch, bringing over 20 years of experience in finance and digital banking [3][32] - Wang Jun, the president of the Jinan branch, has retired after serving as the branch president since 2022 [5][34] - Li Zhongwen has been appointed as the president of the Jinan branch, previously serving as the president of the Nanjing branch [7][36] - Wang Jianfei has been appointed as the president of the Nanjing branch, previously serving as the president of the Chengdu branch [9][38] - Zhang Xinqiang has been appointed as the president of the Chengdu branch, previously serving as the president of the Changchun branch [11][40] - Huang Wei, former deputy general manager of the bank's asset custody department, has been appointed as the president of the Changchun branch [13][42] Group 2 - As of June 30, 2025, Ping An Bank has a total of 110 branches (including the Hong Kong branch) and a total of 1,134 operating institutions [28][57] - The bank's total assets amount to RMB 2,203.525 billion, with the Shenzhen branch holding RMB 783.117 billion in assets [28][57] - The bank employs a total of 40,761 staff members, with 32,047 in business roles, 6,454 in technical roles, and 2,260 in management support [29][58] - Ping An Bank has established three development pathways for talent, focusing on management, professional, and frontline roles, and has implemented a talent cultivation strategy [29][58] - The bank emphasizes the development of composite talents and encourages cross-departmental rotations to build a team with diverse expertise [29][58]

Group 1 - The core viewpoint of the news is the implementation of a financial subsidy policy for equipment renewal loans to support businesses in reducing financing costs and promoting effective investment [3][4][5] - The policy includes a 1.5% interest subsidy on fixed asset loans for equipment renewal projects, applicable for a maximum of two years, and is effective until December 31, 2026 [3][4] - The scope of support has been expanded to include various sectors such as construction, aviation, digital technology, and green energy, emphasizing high-end, intelligent, and digital equipment updates [4][6] Group 2 - A total of 26 banks are designated as eligible for processing the interest subsidy loans, including major national banks and several regional banks [4][5] - The subsidy process has been optimized to include a "pre-allocation + settlement" method, streamlining the application and approval process for banks and provincial financial departments [5][6] - The policy aims to enhance the experience of businesses by ensuring timely communication regarding subsidy payments through modern technology [6][7] Group 3 - The policy for small and micro enterprises includes a 1.5% interest subsidy on fixed asset loans, with a maximum loan amount of 50 million yuan, effective from January 1, 2026 [8][9] - The targeted sectors for this subsidy include new energy vehicles, medical equipment, and various service industries, aiming to stimulate investment and production [9][10] - The operational mechanism involves a "total-to-total" model for coordination between financial institutions and fiscal departments to ensure efficient processing of subsidy funds [11][12] Group 4 - The service industry loan subsidy policy has been extended until December 31, 2026, with an increased maximum loan amount of 10 million yuan and a 1% interest subsidy for one year [16][17] - New sectors such as digital, green, and retail have been added to the support scope, enhancing the policy's relevance to current economic trends [17][18] - The funding allocation process has been refined to improve efficiency and reduce redundancy in the approval process [18][19] Group 5 - A special guarantee plan for private investment has been introduced with a total quota of 500 billion yuan over two years, aimed at supporting small and micro enterprises [22][24] - The plan includes risk-sharing mechanisms where banks bear at least 20% of the loan risk, while the government guarantee fund covers up to 80% [24][25] - The initiative encourages innovative financing models and aims to enhance the capital strength of the government guarantee fund to support private investments effectively [26][27]