为提供有效的选品参考，榜单展示了产品近一月、近三月及近六月的年化业绩，并按照近三月年化收益 率进行排序，以此反映其在近期市场波动中的多维度收益表现。 统计代销机构（28家）：工商银行、中国银行、农业银行、邮储银行、建设银行、交通银行、招商银 行、中信银行、光大银行、民生银行、兴业银行、浦发银行、广发银行、浙商银行、华夏银行、平安银 行、恒丰银行、渤海银行、北京银行、宁波银行、江苏银行、上海银行、南京银行、杭州银行、徽商银 行、微众银行、网商银行、百信银行 需要特别提醒的是：本榜单对理财产品"在售"状态的判断基于其投资周期推算。但实际情况中，部分产 品可能因额度售罄，或银行针对不同客户展示的产品清单存在差异而无法购买。因此，建议投资者以代 销银行APP的实际展示为准。 此外，南财理财通虽力求客观公正，但不对本评价榜信息的真实性、完整性和准确性作任何保证，排名 信息仅供参考。 | | 中国银 | 浦银理财天添鑫中 | | | 13.6 | 8.78% 5.26% | | | --- | --- | --- | --- | --- | --- | --- | --- | | 3 | 行,宁波 | 短债92号理财产 ...

Core Viewpoint - The digital renminbi is officially upgraded to version 2.0 on January 1, 2026, transitioning from "digital cash" to "digital deposits," allowing for interest payments on wallet balances similar to traditional bank deposits [1][7][17]. Group 1: Interest Payment Mechanism - Ten operational institutions, including major banks, will pay interest on the balances of real-name digital renminbi wallets at the current savings account rate of 0.05% [3][4]. - The interest calculation rules will align with those of traditional bank savings accounts, with quarterly interest payments on specific dates [4][10]. - Only real-name wallets will benefit from interest payments, while non-real-name wallets will prompt users to upgrade for earning interest [2][4]. Group 2: Digital Renminbi App Upgrade - The digital renminbi App has been upgraded to version 2.0, enhancing functionality and user experience, including personalized features and better management of deposit-type digital renminbi [3][4]. - Users can check their wallet assets, including interest rates and quarterly interest information, through the app [4][10]. Group 3: Regulatory Framework and Operational Changes - The upgrade is driven by the People's Bank of China's action plan to strengthen the management and service system for digital renminbi [8][9]. - The digital renminbi will now be considered a liability of commercial banks, allowing them to manage it as part of their asset-liability operations, thus providing similar safety guarantees as traditional deposits [10][11]. - The action plan also emphasizes the importance of compliance with anti-money laundering regulations and the establishment of a robust digital currency infrastructure [9][10]. Group 4: Future Prospects and Applications - The digital renminbi is expected to expand its functionality beyond payments to include the purchase of traditional financial products [1][17]. - The transition to digital deposits will enhance the digital renminbi's role in the financial ecosystem, allowing for broader applications and integration with emerging technologies [11][17]. - The digital renminbi supports offline payments, ensuring transaction capabilities without internet access, which distinguishes it from traditional payment methods [16].

记者 尹睿 济南报道 2026年,居民定期存款市场将迎来规模空前的集中到期潮。根据中金公司（601995）货币金融研究数据, 全年合计超过30万亿元的2年期、3年期和5年期居民定期存款将陆续到期,其中2年期20.7万亿元、3年期 9.6万亿元、5年期1.3万亿元。 与存款到期高峰形成鲜明对比的,是定期存款利率的深度下调。上述到期存款在2025年及之前存入时,普 遍享受了相对较高的利率。但根据中金研究测算,它们重定价(即到期后重新存入)后,利率将分别显著下 行72、142和168个基点(bp),普通储户正面临资金重新配置的关键抉择。 数字人民币或成过渡选择 自2026年1月1日起,工商银行、中国银行、农业银行、建设银行、交通银行及邮储银行（601658）六大 国有行同步执行数字人民币计息政策,数字货币正式告别"无息时代"。 根据公告细则,一类、二类、三类个人实名钱包及单位钱包余额,均按照该行公布的活期存款挂牌利率计 付利息,每季度末月20日结息、21日入账,与传统活期存款规则完全一致。记者在六大国有银行官网查询 到,当前各家银行的活期存款挂牌利率均为0.05%。 值得注意的是,此次计息范围明确排除四类非实名钱包 ...

Group 1 - The acquisition of Manus by Meta for several billion dollars highlights the growing interest in AI technologies, with the founder being a Chinese millennial [15] - The listing of AI robotics company Woan on the Hong Kong Stock Exchange raised 1.64 billion HKD, with a subscription rate of 254.5 times for public offerings, indicating strong market interest [16] - Huawei's long-term strategic opportunity lies in the wave of intelligent transformation, which involves profound changes in organizational structure, business processes, and corporate culture [8][18] Group 2 - The automotive industry is experiencing a shift from an engineer-driven culture to a user-centric approach, as traditional models fail in the era of consumer sovereignty [10][19] - The former president of China Life Insurance, Yang Chao, was expelled from the party for serious violations, illustrating ongoing accountability in the insurance sector [20] - The recent appointment of Lu Wei as the president of Postal Savings Bank after leaving China CITIC Bank reflects the trend of cross-industry executive movements in China's banking sector [21]

Group 1 - The People's Bank of China conducted a 365 billion yuan 7-day reverse repurchase operation, resulting in a net withdrawal of 433.6 billion yuan [1] - The People's Bank of China issued the "Non-Bank Payment Institutions Classification Rating Management Measures" to enhance supervision of non-bank payment institutions, effective from February 1, 2026 [2] - In 2025, the banking sector saw a net increase of 623 physical bank branches, marking the first positive growth in three years despite the closure of 7,871 branches [3] Group 2 - Ten digital RMB operating banks announced that starting January 1, 2026, they will pay interest on digital RMB wallets at the same rate as their demand deposit rates [4] - Chengdu Rural Commercial Bank announced that its total assets have surpassed 1 trillion yuan, becoming the fifth rural commercial bank in China to reach this milestone [5] - Xinjiang Bank received approval to increase its registered capital from 7.906 billion yuan to 12.222 billion yuan [6] Group 3 - Baoding Bank's plan to change its registered capital was approved, allowing it to raise 250 million shares [7] - Ningbo Tongshang Bank was approved to issue capital instruments not exceeding 2 billion yuan, including perpetual bonds and subordinated bonds [8][9] - The Dongguan Financial Regulatory Bureau and other departments will pilot real estate trust property registration in Dongguan to support the transformation of the trust business [10] Group 4 - New Era Trust's 100% equity is being offered for transfer for the third time, with a base price of approximately 1.851 billion yuan, consistent with previous offers [11]

Core Viewpoint - The digital renminbi is set to transition to version 2.0 on January 1, 2026, evolving from "digital cash" to "digital deposits," which will enhance consumer engagement and have significant implications for the financial market [1][4]. Group 1: Key Changes in Digital Renminbi 2.0 - The most significant change is that the balance in real-name digital renminbi wallets will earn interest at the rate of current deposits starting January 1, 2026 [4][5]. - Major banks, including ICBC, ABC, BOC, and others, have announced that the interest rate for digital renminbi will be 0.05%, similar to current deposit rates [4][5]. - Consumers can expect quarterly interest payments on their wallet balances, with specific dates for interest calculation [4][5]. Group 2: Consumer Benefits and Security - Only real-name wallets will earn interest, while anonymous wallets will not be eligible [5]. - Digital renminbi deposits will be covered by deposit insurance, providing a safety net of up to 500,000 yuan, similar to traditional bank deposits [5][8]. - The upgrade aims to enhance the attractiveness of funding digital wallets, as idle funds can now generate interest with no operational costs [4][5]. Group 3: Implications for Financial Institutions - The upgrade allows banks to actively manage digital renminbi as part of their asset-liability management, potentially leading to new financial services such as loans and investment products [8][10]. - Non-bank payment institutions will need to adapt to new regulations, including a requirement to deposit 100% of digital renminbi as collateral, which may impact their liquidity [9][10]. - The integration of digital renminbi into existing financial systems is expected to enhance customer retention and create a closed-loop system for financial services [10][12]. Group 4: Market Impact and Future Prospects - The digital renminbi's inclusion in general deposit assessments will shift banks from passive to active deposit acquisition strategies [10][12]. - The upgrade is seen as a milestone, marking a new phase in the standardization of digital currency operations, which will improve regulatory efficiency and enhance user experience [11][12]. - The potential for smart contracts and programmable currency capabilities is anticipated to drive future growth and innovation across various sectors [12].

Core Insights - The article discusses how various banks are launching year-end bonus investment plans to help investors manage their funds effectively in the current market environment, focusing on safety and yield enhancement [1][2]. Group 1: Investment Strategies - Multiple banks, including Postal Savings Bank, Guangfa Bank, and Everbright Wealth, are promoting "one-stop" investment solutions for year-end bonuses, emphasizing a stable and low-volatility approach [1][2]. - Guangfa Bank offers a tiered asset allocation strategy categorized as conservative, stable, and aggressive, aligning with different risk appetites and return expectations of investors [1]. - Everbright Wealth suggests dividing the year-end bonus into three segments based on usage: short-term living expenses, medium-term expenditures, and long-term growth, each linked to specific low-risk fixed-income products [2]. Group 2: Product Offerings - Postal Savings Bank and Bank of Communications are also actively participating in the year-end bonus investment market, with Postal Savings Bank providing tailored low-risk products based on different usage scenarios [2]. - Bank of Communications has enhanced its offerings by including insurance and precious metals alongside its stable mid-term investment products, broadening the "one-stop" investment matrix [2]. - The main focus of the products is on PR1 to PR2 risk levels, with only a few higher-risk options appearing in fund recommendations, indicating a conservative investment climate [2]. Group 3: Expert Recommendations - Analysts recommend a combined approach of "designated funds for specific uses" and "diversified allocation" to meet various financial needs, ensuring liquidity and safety for short-term needs while considering long-term growth through appropriate insurance products [3]. - Investors are advised to analyze their financial situations, risk tolerance, and funding needs before customizing their year-end bonus investment plans, taking into account income stability and market trends [2][3].

1月4日金融一线消息，国家金融监督管理总局发布关于中国邮政储蓄银行股份有限公司吸收合并中邮邮 惠万家银行有限责任公司的批复，同意中国邮政储蓄银行股份有限公司吸收合并中邮邮惠万家银行有限 责任公司，并承接其清产核资后的资产、负债、业务和员工，中邮邮惠万家银行有限责任公司解散。 国家金融监督管理总局表示，中国邮政储蓄银行股份有限公司应严格按照有关法律法规要求办理吸收合 并事宜，并督促中邮邮惠万家银行有限责任公司完成法人机构终止相关事宜。吸收合并自本批复之日起 6个月内完成，吸收合并工作接受金融监管总局的监督指导。 国家金融监督管理总局关于中国邮政储蓄银行股份有限公司吸收合并中邮邮惠万家银 行有限责任公司的批复 中国邮政储蓄银行股份有限公司、中邮邮惠万家银行有限责任公司: 《中国邮政储蕃银行股份有限公司 中邮邮惠万家银行有限责任公司关于中国邮政储蓄银行股份有限 公司吸收合并中邮邮惠万家银行有限责任公司及中邮邮惠万家银行有限责任公司解散的请示》（邮银请 [2025] 60号) 收悉。经审核, 现批复如下: 一、同意中国邮政储蓄银行股份有限公司吸收合并中邮邮惠万家银行有限责任公司，并承接其清产 核资后的资产、负债、业务 ...

Group 1 - The core viewpoint of the article highlights a significant increase in insurance capital's stake acquisitions, with over 30 instances expected by the end of 2025, marking a notable rise compared to previous years [2] - Insurance capital's stake acquisitions have been active throughout the year, peaking in the third quarter, particularly from July to September, with multiple announcements from various insurance companies [2] - Leading insurance companies, such as Ping An Life, have been particularly aggressive in increasing their holdings in bank and insurance-related listed companies, with ownership percentages rising to 10% or higher in several cases [2] Group 2 - A detailed table lists various insurance companies and their stake acquisitions in different entities, showing Ping An Life's consistent involvement, including a 15% stake in China Merchants Bank H-shares by June [3] - Other insurance companies, including Great Wall Life and Ruizhong Life, have also actively participated in the market through various methods such as direct market purchases and agreement transfers [3] - The preference for financial stocks remains strong among insurance capital, especially in H-shares, while stable cash flow sectors like water, electricity, and renewable energy are also prioritized for investment [4]

责任编辑：曹睿潼 1月4日金融一线消息，国家金融监督管理总局四川监管局行政处罚信息公开表显示，邮储银行成都武侯 区支行原员工张维因相关贷款业务严重失职，被禁止从事银行业工作5年。 | 序 | 当事人名称 | 主要违法违规 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | --- | | 륵 | | 行为 | | | | 1 | 邮储银行成都 | 相关贷款业务 | 对张维禁止从事银行 | 国家金融监督 管理总局四川 | | | 武侯区支行原 | 严重失脱 | ル工作5年 | | | | 员工张维 | | | 监管局 | 责任编辑：曹睿潼 1月4日金融一线消息，国家金融监督管理总局四川监管局行政处罚信息公开表显示，邮储银行成都武侯 区支行原员工张维因相关贷款业务严重失职，被禁止从事银行业工作5年。 ...