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]

中国银行将遵循市场化、法治化原则，针对2026年1月1日至2026年12月31日期间成功办理且符合政策规 定的信用卡消费分期、信用卡账单分期、信用卡自由分期（上述三项合并统称为"指定信用卡分期"）开 展财政贴息工作。后续相关办理流程、操作步骤等详细规则，将通过中国银行官方网站等渠道发布，敬 请关注。 2026年1月20日，中国银行（601988）发布公告称，为深入贯彻落实中央经济工作会议精神，持续降低 居民个人消费信贷成本，充分激发消费潜力，中国银行将全力落实并严格执行《关于印发<个人消费贷 款财政贴息政策实施方案>的通知》（财金〔2025〕80号）、《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），切实推动财政贴息政策红利触达广大消费者，以金融赋能 消费市场活力释放。 ...

Core Viewpoint - The newly revised consumer loan interest subsidy policy is expected to stimulate domestic consumption recovery by encouraging banks to increase consumer loan issuance [1][7]. Group 1: Policy Implementation - Major state-owned banks and joint-stock banks, including Agricultural Bank of China, Bank of China, and Postal Savings Bank, have promptly responded to the new consumer loan interest subsidy policy [1][7]. - Postal Savings Bank announced that from September 1, 2025, to December 31, 2026, personal consumption loans used for actual consumption will be eligible for interest subsidies, with credit card bill installments also included in the subsidy scope [2][8]. - The policy removes the previous restriction on single transactions of 50,000 yuan or more for eligible consumption transactions [2][8]. Group 2: Operational Procedures - China Merchants Bank outlined that customers must follow specific procedures to apply for the consumer loan interest subsidy, including signing a supplementary agreement during or after the loan issuance [3][9]. - The bank will calculate the subsidy amount based on the agreed-upon subsidy ratio and cap, directly deducting the subsidy from the interest charged to customers [3][9]. Group 3: Inclusion of More Financial Institutions - The latest policy expansion includes city commercial banks, foreign banks, and consumer finance institutions, which were previously excluded from the interest subsidy program [4][10]. - This expansion aims to enhance fairness and inclusivity in the financial system, encouraging local banks to actively participate in consumer loan issuance [4][10]. - Industry insiders expressed optimism about the inclusion of more consumer finance companies, indicating readiness to implement the policy effectively [5][11].

Core Viewpoint - The company emphasizes its commitment to focusing on its core business, maintaining stable operations, and enhancing operational efficiency and value creation to provide long-term value returns to investors [1] Financial Performance - Since its reform and listing, the company has distributed over 970 billion yuan in dividends, with a high dividend payout ratio maintained in recent years [1]

Core Viewpoint - The company will implement mid-term and final dividends annually starting from the fiscal year 2024, with specific cash dividend distribution dates outlined for A-shares in 2025 [1] Dividend Distribution Plan - The mid-term cash dividend for A-shares will be distributed in January 2025, while the final cash dividend will be distributed in April 2025 [1] - For the fiscal year 2025, the company will continue with mid-term dividends, with the cash dividends for A-shares fully distributed by December 2025 [1] - The company will formulate the profit distribution plan for 2025 based on the annual performance and submit it for approval by the board and shareholders [1]

Group 1 - The core viewpoint of the news is that the state-owned large bank sector experienced a rise of 0.78% on January 20, with China Bank leading the gains [1] - The Shanghai Composite Index closed at 4113.65, down 0.01%, while the Shenzhen Component Index closed at 14155.63, down 0.97% [1] - The trading performance of individual stocks in the state-owned large bank sector showed varied results, with China Bank closing at 5.44, up 1.49%, and Agricultural Bank at 7.17, up 0.99% [1] Group 2 - The net inflow of main funds into the state-owned large bank sector was 721 million yuan, while retail investors saw a net outflow of 177 million yuan [1] - The detailed fund flow for individual banks indicated that Agricultural Bank had a net inflow of 210 million yuan from main funds, while it experienced a net outflow of 140 million yuan from speculative funds [2] - Industrial and Commercial Bank had a net inflow of 181 million yuan from main funds, but a significant net outflow of 254 million yuan from speculative funds [2]

Core Viewpoint - The Henan Financial Regulatory Bureau has approved the appointment of Yang Fengxian as the Assistant President of the Jiyuan Branch of the Bank of China, emphasizing the importance of compliance with regulatory requirements and ongoing education in financial laws and regulations [1] Group 1 - The approval of Yang Fengxian's qualification as Assistant President is officially recognized by the Henan Financial Regulatory Bureau [1] - The Bank of China is required to ensure that the approved personnel comply with regulatory provisions and report their appointment status within three months [1] - Continuous learning and adherence to risk compliance awareness are mandated for the approved personnel to effectively fulfill their responsibilities [1]

Core Viewpoint - During the "14th Five-Year Plan" period, the Bank of China Anhui Branch has focused on political and people-oriented financial work, aligning closely with Anhui's strategic positioning and actively supporting major projects, industrial upgrades, rural revitalization, and opening up to the outside world [1] Group 1: Infrastructure Empowerment - The Bank of China Anhui Branch has injected financial momentum into major projects, such as the Changjing-Huang High-Speed Railway, which connects several famous tourist attractions across three provinces [2] - The bank has provided financial support for key transportation projects, including the G36 Ningluo Expressway and Wuyue Expressway, enhancing Anhui's geographical advantages for high-quality economic development [2] Group 2: Innovation in Science and Technology - The bank has supported over 15,000 manufacturing enterprises with more than 160 billion yuan in credit, focusing on strategic emerging industries and technology finance [3] - A notable case includes a private aerospace equipment company receiving 50 million yuan in equity investment and 100 million yuan in credit support through an innovative "small equity + large debt" financial service model [3] - The bank plans to launch an action plan to support the artificial intelligence industry chain and establish a direct investment pilot fund in Anhui [3] Group 3: Green Development - The Bank of China Anhui Branch has actively engaged in green finance, providing over 1.2 billion yuan in loans for ecological restoration projects in the Ma'anshan area [4] - The bank has integrated ecological governance with industrial development, promoting sustainable growth in the region [4] Group 4: Revitalizing Local Industries - The bank has tailored financial products to support local industries, such as the "Goose Industry Loan" in Huoqiu and the "Xuan Paper Loan" in Jingxian, facilitating the upgrade of local production chains [5] - These initiatives aim to enhance rural revitalization and promote regional economic strength [5] Group 5: Supporting International Trade - The bank has provided cross-border financial services to nearly 7,000 enterprises, with an external trade loan balance exceeding 65 billion yuan [6] - It has customized overseas loan solutions for companies expanding into international markets, such as a well-known automotive company entering Australia [6] - The bank emphasizes a tailored approach to meet the diverse needs of enterprises operating abroad [6]