1月30日，本报记者登录多家银行App发现，工商银行、农业银行旗下多款投资类实物黄金产品已显示"暂时无货"，部分产品甚至全线断货。 在工商银行App贵金属的"投资专区"，其全线产品已显示断货。其中，核心产品"如意金"已全线售罄。该产品为工商银行发行的实物黄金，成色为Au999.9， 涵盖5克、10克、20克、50克、100克、200克、500克、1000克共八种规格。系统显示，该产品累计已销售超过181万套。 （工行如意金购买页面，来源：工商银行App） 报告特别指出，2025年中国投资者累计购入金条与金币达432吨，较2024年增长28%，同样创下年度历史新高。报告还认为，2026年一季度，在春节消费与 赠礼需求支撑下，中国黄金投资需求有望延续强劲态势；长期来看，全球地缘政治与经济不确定性将使避险需求维持高位，支撑黄金投资市场。 与此同时，多家国际机构看好金价未来走势。高盛在最新报告中将2026年底金价目标从每盎司4900美元上调至5400美元，预计各国央行将持续购金，同时私 人投资需求将随美联储降息而回暖。华西证券预测2026年金价涨幅或在10%-35%之间，杰富瑞集团甚至给出6600美元/盎司的目标价。 ...

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for an "Image Detection Method and Device, Storage Medium, and Electronic Device," with the authorization announcement number CN116758614B, and the application date being June 2023 [1] Group 2 - ICBC was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of ICBC is approximately 35.64 billion RMB [1] - According to data analysis, ICBC has invested in 28 companies, participated in 5,000 bidding projects, has 969 trademark information entries, and holds 5,000 patent information entries, along with 79 administrative licenses [1]

国有企业的官方定义是"指国务院和地方人民政府分别代表国家履行出资人职责的国有独资企业、国有独资公司以及国有资本控股公司。" 这个定义是比 较宽泛的，不过，在老百姓眼里，国企也有"真假"之分。 老百姓眼里的一份国企工作更多的意味着稳定，福利待遇好，加班不频繁。而如今有很多非垄断国企、国企子公司、国企控股公司虽然是官方定义上的国 企，但已不具备上述的三种特点，尤其是不在稳定，因此通常被人认为是假国企。 而离职率就是衡量一个国企"真假"的关键指标。离职率包括了 员工主动离职率和 被辞退率，一个国企，员工主动离职率越高，那说明这个企业福利待 遇、加班等方面越不令人满意，越是假国企。其实道理很简单，一个国企如果稳定，待遇好，加班少，这样的企业员工主动离职率会高吗？肯定不会。 而被辞退率高，那就更说明这个国企不稳定了。 接下来给大家看一下部分央国企的员工离职率。 中国移动通信集团：作为我国国有三大运营商之首，中国移动2024年度员工流失率为0.99%,这一年的主动离职人数为4531人，这个流失率可以说比较低 了。 | 指标名称 | 車位 | 2022 年 * | 2023 年 | 2024 年 | | --- | --- ...

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"信息处理方法、装置、设备及介 质"的专利，授权公告号CN114676445B，申请日期为2022年3月。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息969条，专利信息 5000条，此外企业还拥有行政许可79个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 ...

声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"人脸图像的识别方法、装置、处 理器及电子设备"的专利，授权公告号CN116152884B，申请日期为2022年12月。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息969条，专利信息 5000条，此外企业还拥有行政许可79个。 ...

Core Viewpoint - Under the national "dual carbon" strategy, listed banks in China are integrating Environmental, Social, and Governance (ESG) concepts into their development strategies, promoting a green financial system to facilitate the low-carbon transition of the economy and society [2] Group 1: Green Credit Overview - Green credit is a financial service provided by institutions to support environmental protection, energy conservation, emission reduction, and renewable energy industries, optimizing resource allocation and mitigating environmental risks [5] - The green credit policy was jointly proposed by the Ministry of Environmental Protection, the People's Bank of China, and the China Banking Regulatory Commission on July 30, 2007, to curb the blind expansion of high-energy-consuming and high-polluting industries [3][5] Group 2: Development History of Green Credit - The green credit sector in China has evolved from a policy-driven approach to a more standardized and institutionalized financial tool, progressing through the stages of emergence, exploration, and growth [7] - The issuance of the "Guiding Opinions on Building a Green Financial System" in 2016 marked a significant step in the development of green finance, with the sector now entering a mature phase [7] Group 3: Green Credit Policies - Since the 2016 issuance of the "Guiding Opinions on Building a Green Financial System," various local governments have introduced specific green credit policies to refine development directions and promote best practices [9] - In February 2025, the National Financial Supervision Administration and the People's Bank of China issued a plan to enhance the quality of green finance, encouraging banks to explore various green financing methods [11] Group 4: Green Credit Industry Chain - The upstream of the green credit industry chain includes product innovation, project assessment and certification, and project development and operation [12] - The midstream involves financial institutions providing funding and services for green projects, while the downstream encompasses applications in clean energy, environmental protection, green transportation, and more [12] Group 5: Green Building Development - By the end of 2024, the cumulative area of green buildings in urban areas reached 13.54 billion square meters, with new green building area in 2024 accounting for 97.9% of all new construction [14] - The growing emphasis on green buildings is expected to create substantial financing demand, providing a stable asset market for green credit [14] Group 6: Market Data - The balance of green loans in both domestic and foreign currencies increased from 7.1 trillion yuan in 2017 to 36.6 trillion yuan in 2024, with a compound annual growth rate of 26.4% [2] - As of the end of Q3 2025, the balance of green loans reached 43.51 trillion yuan, representing a 17.5% increase from the beginning of the year and accounting for 43.9% of the total loan increment during the same period [2]

2026年1月30日早盘，三大股指全线下跌，截至10:58，沪深300红利低波动指数下跌0.39%。成分股方面 涨跌互现，中信银行领涨，杭州银行、工商银行跟涨；中国海油领跌，中国中铁、中国化学跟跌。 消息面上，2026年1月，多家上市公司密集披露半年报、三季报及特别分红方案，红利逐步兑现，进一 步凸显红利资产的配置价值。国信证券表示，随着政策支持为红利资产注入长期估值重塑动能，上市公 司分红力度持续加大。后续随着分红制度的持续完善，红利资产的股息吸引力将进一步提升。 此外，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。 数据显示，截至2025年12月31日，沪深30 ...

1月以来，银行业机构陆续召开2026年经营工作会议，总结过去一年乃至整个"十四五"时期的经营 成绩，为新的一年谋篇布局。 谈及2025年经营，"高质量发展"成为高频词。多家银行透露，各项工作"稳中有进""稳中提质"，且"综合实力 迈上新台阶"，为下一个五年发展打下了坚实基础。 2026年是"十五五"开局之年。多家银行强调，将加大对重点领域金融支持，做实做细金融"五篇大文章"，有效 防范化解重点领域风险，支持巩固经济稳中向好态势。 其中，包括工行、建行、农行、交行在内，多家银行明确将加快推动数智化转型。"降本提质增效"等表述也出 现在工行、农行、建行、交行、平安银行的工作部署中。 工商银行：做强主业、做优质效、做大贡献 工商2026年党建暨经营管理工作会议强调，要打造一流银行、领军银行、清廉银行、现代银行，持续做强主 业、做优质效、做大贡献。 一是提升防风险成效，推动全面风险管理取得新进步，加快智能化风控平台进业务进场景。 二是提升强合规能力，确保内控管理实现新跃升，把依法合规经营打造为核心竞争力。 二要加大重点领域融资供给，助力巩固拓展经济稳中向好势头。持续加大"两重""两新"和民生、消费等领域金 融支持；进 ...

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"信息交互方法、装置、设备和存 储介质"的专利，授权公告号CN116312537B，申请日期为2023年2月。 来源：市场资讯 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息969条，专利信息 5000条，此外企业还拥有行政许可79个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 ...

Core Viewpoint - The banking sector is currently experiencing low levels of investment interest, with passive fund outflows causing disturbances in the funding landscape. However, a low valuation window for banks is opening up, driven by high dividends and low valuations appealing to long-term investors like insurance funds [1][2]. Group 1: Market Trends - Since Q3 2025, the preference for the banking sector among active funds has remained low, with a total market value of active fund holdings in banks at 30.545 billion yuan, accounting for 1.88% of total holdings, which is near a five-year low [1]. - The low allocation ratio for banks has expanded to 8.88%, indicating a shift in market style with significant rotation among sectors, particularly favoring non-bank financials, metals, and communications [1]. - The banking sector has underperformed, with a decline of 7.68% compared to other sectors, which have seen substantial gains, such as metals rising by 28.89% [1]. Group 2: Fund Flows and Impacts - Recent adjustments in the banking sector are primarily attributed to passive fund outflows, with net outflows from stock ETFs reaching 757.99 billion yuan, leading to an estimated net outflow of approximately 83.14 billion yuan from the banking sector [2]. - The largest four ETFs have seen a significant reduction in market share, with the average holding by the top ten holders decreasing by about 43% compared to the first half of 2025 [2]. - Although selling pressure remains, the space for further outflows is expected to contract, which may reduce the negative impact on the banking sector [2]. Group 3: Long-term Investment Outlook - The influence of long-term funds on the pricing of the banking sector is increasing, as the impact of both active and passive public funds diminishes [3]. - In a low-interest-rate environment, the stable dividends and high dividend yield of banks are attractive to long-term investors, with the average dividend yield for A-share banks currently at 4.62% [3]. - The outlook for credit growth is positive, supported by favorable fiscal and monetary policies, which may enhance the recovery of bank valuations [3]. Group 4: Investment Recommendations - The report recommends specific banks for investment, including Industrial and Commercial Bank of China (601398), Agricultural Bank of China (601288), Postal Savings Bank of China (601658), China Merchants Bank (600036), Jiangsu Bank (600919), and Ningbo Bank (002142) [4].