银行板块盘中持续走高，青岛银行涨停，消息面上，青岛银行发布2025年度业绩快报，实现归属于母公 司股东净利润51.88亿元，同比增长21.66%。此前已有招商银行、兴业银行、宁波银行等8家上市银行率 先交出2025年度业绩快报，所有银行均实现净利润正增长。 中国银河证券指出，四季度市场风格整体延续上季度，资金对银行板块青睐程度维持在相对低位。但同 时，国有行、股份行持续受关注。近期被动资金流出对银行资金面形成扰动，但在低利率与中长期资金 加速入市的环境下，银行板块高股息、低估值的红利属性仍对险资等长线资金具备持续吸引力，加速估 值定价重构。继续看好银行板块红利价值。 截至2026年1月29日 14:07，中证银行指数(399986)强势上涨1.68%，成分股青岛银行上涨9.94%，渝农商 行上涨3.86%，宁波银行上涨3.70%，齐鲁银行，江苏银行等个股跟涨。银行ETF鹏华(512730)上涨 1.34%，最新价报1.59元。 银行ETF鹏华紧密跟踪中证银行指数，为反映中证全指指数样本中不同行业公司证券的整体表现，为投 资者提供分析工具，将中证全指指数样本按中证行业分类分为11个一级行业、35个二级行业、90 ...

平安银行存款利率表（自2025年5月21日起执行） 2．此次公布的利率如发生变动，将以平安银行最新的公告为准。 注：1．自2025年5月21日起调整平安银行（000001）人民币公司存款参考执行利率，具体执行利率请详 询平安银行营业网点。 | | 期限 | 基准利率 | 挂牌利率 | | --- | --- | --- | --- | | （一）活期存款 | | 0.35 | 0.05 | | （二）定期存款 | | | | | 三个月 | | 1.10 | 0.70 | | 半 年 | | 1.30 | 0.95 | | 一 年 | | 1.50 | 1.15 | | 二 年 | | 2.10 | 1.20 | | 三 年 | | 2.75 | 1.30 | | 五 年 | | - | 1.35 | | （三）零存整取、整存零取、存本取息 | | | | | 一 年 | | 1.10 | 0.65 | | 三 年 | | 1.30 | 0.85 | | 五年 | | - | 0.85 | | （四）定活两便 | | | | | 三个月 | | - | 0.42 | | 半 年 | | - | 0.57 | ...

Core Viewpoint - The new policy on credit card installment interest subsidies aims to enhance consumer spending by including credit card bill installment services in the subsidy scope, thereby reducing the financial burden on consumers and stimulating consumption potential [1][4]. Group 1: Policy Implementation - The Ministry of Finance, the People's Bank of China, and the National Financial Regulatory Administration issued a notification that includes credit card bill installment services in the subsidy scope with a uniform annual subsidy rate of 1% [1]. - Major state-owned banks and some joint-stock banks have quickly responded by releasing implementation details, simplifying processes, and enhancing risk control measures to ensure effective policy execution [2][3]. - The policy reflects a strong public demand for support in consumer financing, aligning with the principle of "people-centered" policy design [2]. Group 2: Consumer Benefits - The subsidy allows consumers to save approximately 270 yuan in interest over a year when using a 50,000 yuan credit card bill divided into 12 installments [4]. - The policy is expected to significantly alleviate financial pressure on large purchases such as home appliances, cars, and education, thus converting latent consumer demand into actual purchasing behavior [4][5]. - The annual cap for total subsidies has been raised to 3,000 yuan per borrower, with the removal of previous limits on single transaction subsidies [5]. Group 3: Bank Responses and Services - Six major banks have clarified that existing customers with signed agreements will automatically benefit from the new policy without needing to re-sign [2]. - Banks like Agricultural Bank and Postal Savings Bank have outlined the steps for new customers to apply for the credit card installment interest subsidy, emphasizing a simplified process [2][3]. - The banks have committed to not charging any fees for processing the subsidy applications, ensuring a cost-free experience for consumers [8]. Group 4: Market Impact and Growth Potential - The policy is anticipated to drive growth in credit card installment services, especially as consumer awareness increases leading up to the Spring Festival [6]. - Smaller financial institutions are also preparing to implement similar measures, which will help extend the benefits to lower-tier cities and meet diverse consumer needs [6]. - The inclusion of credit card installments in the subsidy program is seen as a crucial step in supporting consumption expansion and improving the quality of financial services [7].

Group 1 - The Ministry of Finance's Debt Management Office released the trading volume rankings for the 2025 book-entry treasury bond underwriting syndicate, highlighting the top three firms in overall treasury bond spot trading volume as Ping An Bank, CITIC Securities, and Orient Securities [1][2] - In the bank member category for treasury bond spot trading volume, the top three are Ping An Bank, Shanghai Pudong Development Bank, and Bank of Communications [1][2] - For the bank counter trading volume of the 2025 book-entry treasury bonds, the leading banks are Agricultural Bank of China, Shanghai Pudong Development Bank, and Bank of China [1][2]

Core Insights - The Ministry of Finance announced the ranking of the trading volume of 2025 book-entry government bonds, with Ping An Bank, CITIC Securities, and Orient Securities taking the top three spots [1] Group 1: Bank Members - Among the bank members of the 2025 book-entry government bond underwriting syndicate, Ping An Bank, Shanghai Pudong Development Bank, and Bank of Communications ranked as the top three [1] Group 2: Non-Bank Members - In the non-bank category, CITIC Securities, Orient Securities, and Huatai Securities were the top three firms based on trading volume [1] Group 3: Counter Transactions - For bank counter transaction volumes, Agricultural Bank of China, Shanghai Pudong Development Bank, and Bank of China ranked as the top three [1]

1月28日金融一线消息，由新浪财经主办的"2025（第十三届）银行综合评选"活动获奖名单今日正式揭 晓！平安银行获评"年度卓越数字金融银行"。 1月28日金融一线消息，由新浪财经主办的"2025（第十三届）银行综合评选"活动获奖名单今日正式揭 晓！平安银行获评"年度卓越数字金融银行"。 本次评选活动从多领域、多视角对银行机构进行了综合评估，最终评选出多家行业佼佼者，充分体现了 银行业的发展趋势和行业标杆。本次获奖银行在过去一年的发展中展现了卓越的综合实力和优秀的专业 素养，期待在未来能够继续发挥自身优势，坚守初心和使命，为银行业高质量发展与金融强国建设贡献 更多力量。 责任编辑：曹睿潼 本次评选活动从多领域、多视角对银行机构进行了综合评估，最终评选出多家行业佼佼者，充分体现了 银行业的发展趋势和行业标杆。本次获奖银行在过去一年的发展中展现了卓越的综合实力和优秀的专业 素养，期待在未来能够继续发挥自身优势，坚守初心和使命，为银行业高质量发展与金融强国建设贡献 更多力量。 责任编辑：曹睿潼 ...

| 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601166 兴业银行 | | 2.50 Z ﮯ | 6.55% | -7.53 亿 | -19.73% | 5.03亿 | 13.18% | | 600016 民生银行 | | 1.04亿 | 7.56% | 4996.89万 | 3.62% | -1.54 Z | -11.18% | | 601916 浙商银行 | | 4797.93万 | 9.09% | 2357.98万 | 4.47% | -7155.90万 | -13.56% | | 600015 华夏银行 | | 4782.16万 | 7.51% | 2677.07万 | 4.20% | -7459.23万 | -11.71% | | 600000 浦发银行 | | -1156.01万 | -0.82% | 6527.89万 | 4.61% | -5371.88万 | -3.79% | | 601998 ...

责任编辑：曹睿潼 1月28日金融一线消息，由新浪财经主办的"2025（第十三届）银行综合评选"活动获奖名单今日正式揭 晓！平安银行获评"年度最佳私人银行"。 本次评选活动从多领域、多视角对银行机构进行了综合评估，最终评选出多家行业佼佼者，充分体现了 银行业的发展趋势和行业标杆。本次获奖银行在过去一年的发展中展现了卓越的综合实力和优秀的专业 素养，期待在未来能够继续发挥自身优势，坚守初心和使命，为银行业高质量发展与金融强国建设贡献 更多力量。 责任编辑：曹睿潼 1月28日金融一线消息，由新浪财经主办的"2025（第十三届）银行综合评选"活动获奖名单今日正式揭 晓！平安银行获评"年度最佳私人银行"。 本次评选活动从多领域、多视角对银行机构进行了综合评估，最终评选出多家行业佼佼者，充分体现了 银行业的发展趋势和行业标杆。本次获奖银行在过去一年的发展中展现了卓越的综合实力和优秀的专业 素养，期待在未来能够继续发挥自身优势，坚守初心和使命，为银行业高质量发展与金融强国建设贡献 更多力量。 ...

[Table_Page] 深度分析|银行 证券研究报告 [Table_Title] 银行行业 一文纵览全国分省份财政社融特征 [Table_Summary] 核心观点： （5）地方债务：2024 年所有省份狭义赤字率平均为 16.4%，广义赤 字率平均为 20.0%，处于 2010 年来偏低水平；债务率平均为 357.0%， 2016 年来持续上行。 [Table_Grade] 行业评级 买入 前次评级 买入 报告日期 2026-01-28 [Table_PicQuote] 相对市场表现 -10% -2% 6% 14% 22% 30% 01/25 04/25 06/25 09/25 11/25 01/26 银行 沪深300 | [分析师： Table_Author]倪军 | | | --- | --- | | | SAC 执证号：S0260518020004 | | | 021-38003646 | | | nijun@gf.com.cn | | 分析师： | 林虎 | | | SAC 执证号：S0260525040004 | | | SFC CE No. BWK411 | | | 021-38003643 ...

1月28日金融一线消息，"2025（第十三届）银行综合评选"活动获奖名单今日正式揭晓！本次评选活动 从多领域、多视角对银行机构各方面进行了综合评估，最终评选出多家行业佼佼者。 本次评选活动经过网络投票、第三方机构调研、专家评审、综合审核多项环节，最终角逐出"综合评 选""业务价值评选""社会责任评选""五大篇章评选"四大类26个奖项，20家银行机构上榜，充分体现了 银行业的发展趋势和行业标杆。 于时代脉搏中坚守使命，于转型发展中谱写新篇。本次获奖银行机构在过去一年的发展中展现了卓越的 综合实力和优秀的专业素养，在业务经营、服务能力、风控管理、创新发展等多方面取得了卓越成绩， 赢得了广泛的赞誉和认可。期待各银行机构在未来能够继续发挥自身优势和综合实力，坚守初心和使 命，为银行业高质量发展与金融强国建设贡献更多力量。 以下为获奖名单： 综合评选 中国工商银行获评"年度最佳国有商业银行" 中国进出口银行获评"年度最佳政策性银行" 招商银行获评"年度最佳股份制商业银行" 宁波银行获评"年度最佳城市商业银行" 北京农村商业银行获评"年度最佳农村商业银行" 微众银行获评"年度最佳民营银行" 业务价值评选 交通银行获评"年 ...