央行1月15日将开展9000亿元买断式逆回购操作；多家银行发行挂钩黄金的结构性存款 | 金融早参

Group 1 - The People's Bank of China will conduct a 900 billion yuan reverse repurchase operation on January 15, 2026, with a term of 6 months, to maintain ample liquidity in the banking system [1] - Several banks, including China Merchants Bank and Industrial Bank, are launching gold-linked structured deposit products in response to declining deposit rates and rising gold prices, appealing to risk-averse investors [2] - Commercial banks are intensifying capital replenishment, with 39 banks receiving regulatory approval for capital changes as of January 13, 2026, primarily through targeted stock issuance and perpetual bonds [3] Group 2 - CITIC Bank reported a net profit of 70.618 billion yuan for 2025, a year-on-year increase of 2.98%, despite a slight decline in total operating revenue, indicating pressure on profitability amid economic challenges [4] - CITIC Securities anticipates that the Federal Reserve will pause interest rate cuts in January 2026 and will implement two rate cuts of 25 basis points each throughout the year, influenced by moderate inflation trends [5]