在过往类似案件中，法院认定银行应承担受损储户财产损失大部分的赔偿责任。 伴随着银行理财经理王某姗及其丈夫孟某的先后自杀，两人身后留下的数千万元的资金谜团，正在成为 公众关注的新焦点。 第一财经记者采访发现，王某姗为邮储银行商丘分行理财经理，自2017年开始，一直到2025年4月案 发，王某姗利用其服务多个银行储户的机会，暗中操纵储户的账户，将其中一些人存储在银行卡里的资 金，通过转账、购买理财产品等多种方式转移至由其控制的关联账户。 多名储户向记者证实了该信息的真实性。其中不少储户都是年龄60多岁以上的中老年人。 储户陈某芝的女儿尚女士告诉记者，其父母的银行账户资金，先后有高达160多万元被转移、挪用，其 父亲更是在得知噩耗后不幸离世。 最终，法院认定，邮储银行泰安分行应承担受损储户财产损失70%的赔偿责任。 今年10月13日，伴随着两人先后自杀，商丘警方向储户陈某芝等人出具撤销案件决定书称，因犯罪嫌疑 人死亡，根据《中华人民共和国刑事诉讼法》第十六条第(五)项之规定，决定撤销此案，并建议受害人 聘请律师向居住地法院或银行网点所在法院提起民事诉讼。警方透露，目前已经查封王某姗和孟某名下 房产、汽车、股票等相关 ...

Core Viewpoint - The article emphasizes the importance of developing a multi-layered and multi-pillar pension financial system in response to China's aging population, highlighting the role of Postal Savings Bank in enhancing pension wealth management and financial services [1][11]. Group 1: Pension Financial Services - Postal Savings Bank has issued over 130 million financial social security cards and opened over 10 million personal pension accounts, actively supporting the national multi-layered pension insurance system [3]. - The bank has enhanced its "financial + social security" one-stop service capabilities, allowing for features such as card replacement and electronic social security card issuance [3]. - The bank offers a comprehensive lifecycle management service for personal pension accounts, covering all channels and products, including deposits, funds, insurance, and wealth management [4]. Group 2: Elderly Customer Services - Postal Savings Bank has improved its elderly-friendly financial services, including the development of user-friendly mobile banking features and the establishment of over 3,000 health management stations for elderly clients [7]. - The bank has launched various community initiatives, such as the "Postal Love Silver Home" project, to provide a supportive environment for the elderly [7]. - The bank's "U Enjoy Future" pension financial brand was officially launched, aiming to enhance the quality of life for elderly customers through tailored financial solutions [10][11]. Group 3: Pension Industry Financing - Postal Savings Bank has created a "523" service system focusing on five core areas and implementing a dual-drive strategy to provide customized financial solutions for the pension industry [9]. - The bank has successfully led a 4.972 billion yuan health and wellness financing project in Wenzhou, showcasing its innovative financial service model [9]. - The bank is continuously improving its support systems, including optimizing credit policies and developing specialized products for pension fund management [10].

根据《公司法》等有关法律法规和《公司章程》的有关规定，邮储银行董事会同意聘任芦苇为该行行 长，其任职资格尚待国家金融监督管理总局核准，芦苇自取得国家金融监督管理总局任职资格核准之日 起就任该行行长。自芦苇任职之日起，姚红不再代为履行行长职务。芦苇不从该行领取薪酬。 芦苇，男，1971年出生，获澳大利亚迪肯大学会计硕士学位。历任中信银行总行营业部党委委员、副总 经理，总行计划财务部总经理、财务会计部总经理、资产负债部总经理、香港分行筹备组副组长，总行 董事会秘书、阿尔金银行筹备组副组长，深圳分行党委书记、行长，总行公司业务总监，党委委员、副 行长，中信信托党委书记、总经理、副董事长、董事长，中信银行党委副书记、执行董事、行长等职 务。现任中国邮政集团有限公司党组成员、副总经理及邮储银行党委书记。 近日，邮储银行（601658）发布公告称，该行董事会收到刘建军的辞职报告。刘建军因达到法定退休年 龄，辞去该行执行董事、行长、董事会社会责任与消费者权益保护委员会主席及委员、董事会战略规划 委员会委员及董事会提名和薪酬委员会委员职务。刘建军的辞任自2025年12月26日起生效。 ...

Core Viewpoint - The recent sharp decline in silver prices, which fell nearly 5%, alongside gold prices dropping below $4,500 per ounce, indicates a profit-taking trend among speculative investors, suggesting increased volatility in silver prices [1] Group 1: Price Movements and Trends - Precious metal prices have risen significantly this year, driven by central bank purchases, inflows into exchange-traded funds (ETFs), and three consecutive interest rate cuts by the Federal Reserve [1] - Year-to-date, silver has increased over 150%, while gold has risen approximately 70%, with silver's gains outpacing gold [1] - The price surge in silver is attributed to strong industrial demand, low global inventories at a ten-year low, and its classification as a critical mineral [1] Group 2: Supply and Demand Dynamics - Major silver-producing countries, Mexico and Peru, have seen a reduction in output this year, while the growth in silver recycling has been insufficient, leading to an overall supply shortage [1] - Silver's market is characterized by its smaller size and shallower depth compared to gold, which contributes to its more pronounced price volatility [1] Group 3: Market Risks and Speculation - The influx of funds into the silver market has resulted in more extreme price fluctuations due to its speculative nature, with historical instances of significant price swings [2] - Analysts warn that the current market sentiment is overly heated, leading to irrational trading and significant deviations from actual net values of silver-related funds, posing substantial risks [2] - Concerns have been raised about the high premiums on silver funds, which, combined with multiple uncertainties, could lead to a valuation correction, as any bubble detached from fundamentals is likely to burst [2]

但也应看到，白银增幅"跑赢"黄金，是因为白银市场更"薄"，即市场规模更小、深度更浅、库存更紧， 流动性也可能迅速"蒸发"。 例如，伦敦黄金市场有可出借金条作为支撑，在出现流动性挤压时可以通过出借缓解，但白银并不存在 类似的"储备池"。 这意味着同样的资金流入会引发更剧烈的价格波动，白银投机属性强。历史上，白银暴涨暴跌的情况并 不少见。 中新社北京12月29日电 (陶思阅)现货白银价格29日直线跳水，一度跌近5%。现货黄金跌破每盎司4500 美元关口。随后，黄金、白银跌幅收窄。分析人士认为，这凸显出投机性资金的获利了结态势，也意味 白银价格波动可能愈发剧烈。 今年以来，贵金属价格持续走高，主要缘于各国央行大力买入、资金流入交易所交易基金(ETF)以及美 联储连续三次降息等。 白银年内上涨超150%，黄金上涨约70%，白银涨幅远超黄金。中国邮政储蓄银行研究员娄飞鹏表示， 白银价格大幅上涨是多种原因共振：工业需求持续强劲、全球库存处于十年低位、白银被列入关键矿产 清单等。 白银在电子行业中得到广泛应用，尤其在导体、开关、触点和保险丝上。白银还可用于厚膜浆料，网孔 状和结晶状的白银可以作为化学反应的催化剂。 今年以来 ...

Core Viewpoint - The article discusses the "Future of Elderly Finance" forum hosted by Postal Savings Bank, emphasizing the importance of developing a multi-tiered pension insurance system to address the challenges of an aging population and enhance the quality of elderly financial services [1] Group 1: Pension Financial Services - Postal Savings Bank actively supports the national multi-tiered pension insurance system, having issued over 130 million financial social security cards and opened over 10 million personal pension accounts [2] - The bank enhances its "financial + social security" one-stop service capabilities, offering features like card replacement and cross-province services [2] - Innovative applications of social security cards are being explored, such as facilitating efficient distribution of elderly meal subsidies and providing convenient payment scenarios for senior customers [2] Group 2: Personal Pension Management - The bank provides comprehensive lifecycle management for personal pension accounts, covering all channels and products, including deposits, funds, insurance, and wealth management [3] - Unique services like retirement benefit calculators and automatic contributions are introduced to help customers better manage their pension savings [3] - The family pension account feature allows customers to view their family's pension asset distribution, aiding in family pension planning [3] Group 3: Elderly Customer Product Rights - Postal Savings Bank launched the "Warm Elderly Season" initiative, creating a "financial + elderly care" ecosystem and introducing the "Vitality Life Card" series, which includes various health and wellness benefits [4] - Collaborations with insurance and wealth management institutions aim to enhance the quality and accessibility of pension products for elderly customers [4] Group 4: Elderly Financial Services Enhancement - The bank is improving its services for elderly customers by enhancing the accessibility of physical branches and self-service devices, as well as providing a user-friendly mobile banking experience [5] - Initiatives like the "Postal Love Health Station" and "Postal Love Silver Home" are established to offer convenient health management and community support for the elderly [5] Group 5: Strengthening Elderly Industry Finance - Postal Savings Bank has developed a "523" service system focusing on five core areas and implementing a dual-drive strategy to provide tailored financial solutions for the elderly industry [6] - The bank has successfully facilitated significant projects, such as a 4.972 billion yuan health care syndicate project in Wenzhou, showcasing its innovative financial service models [6] - Collaborations with local governments and enterprises have led to the establishment of quality projects that enhance the multi-tiered elderly service system [6] Group 6: Future Directions - The bank is committed to enhancing service quality and activating development momentum by optimizing credit policies and creating collaborative mechanisms for the elderly industry [7] - The launch of the "U Enjoy Future" pension finance brand and the release of a national pension demand trend report signify the bank's dedication to supporting the elderly economy [7] - Future efforts will focus on integrating elderly finance into the bank's strategic development, ensuring the protection of pension assets and the well-being of elderly customers [7]

21世纪经济报道 记者郭聪聪 经过十年研发试点，数字人民币将迈入的2.0阶段，从"数字现金时代"迈入"数字存款货币"时代。 12月29日，中国人民银行党委委员、副行长陆磊公开发文称，为切实提升数字人民币管理质效和服务能 力，在总结十年经验基础上，中国人民银行出台了《关于进一步加强数字人民币管理服务体系和相关金 融基础设施建设的行动方案》（以下简称《行动方案》），该《行动方案》将于2026年1月1日起正式启 动实施。 根据方案部署，新一代数字人民币的计量框架、管理体系、运行机制与生态体系将同步落地。其中主要 亮点包括：数字人民币钱包余额将计付利息；银行类运营机构的数字人民币纳入准备金制度框架管理， 其钱包余额统一计入存款准备金交存基数；参与运营的非银行支付机构则需实行100%的数字人民币保 证金要求等。 从数字现金到数字存款货币 陆磊在文中介绍道，我国数字人民币的研究和开发起步较早。在2014年，中国人民银行就启动理论研究 和封闭测试。2016年，中国人民银行提出了具有数字货币特征的电子支付工具（DC/EP）的法定数字货 币理论框架构想，审慎科学稳健试点探索数字人民币（e-CNY）管理体系和运行机理。 经反复论 ...

中证报中证网讯（记者 吴杨）12月28日，记者从邮储银行中山市分行获悉，该分行锚定乡村振兴 战略部署，聚焦农业产业融资痛点，以专属网点布局、产品模式创新、高效服务落地为核心抓手，为地 方涉农企业精准注入金融活水。截至11月末，旗下沙朗支行已向沙朗农产品交易中心内客户累计发放贷 款合计约2.39亿元，结余5906.14万元，以硬核金融力量筑牢区域农业高质量发展根基。 据介绍，针对市内最大综合性农产品批发市场、珠三角重要农产品集散中心，即中山农产品交易中 心，邮储银行中山市分行就地专门设立沙朗支行。 自2021年搬迁至现址后，沙朗支行便将服务农产品市场作为重点方向，深耕区域农业产业生态，致 力于开发贴合农产品流通企业需求的金融产品。搬迁后，邮储银行中山市分行推出农产品交易中心专 属"产业链贷款"。除专属产业链贷款外，极速抵押贷、省再担信用贷、省农担信用贷、小企业信用税贷 等多元化产品也在市场中得到广泛应用，形成了"精准匹配、多点发力"的金融服务矩阵，为农产品交易 中心内各类经营主体提供了全方位的资金保障。 果美农业科技集团有限公司的跨越式成长，成为邮储银行中山市分行金融赋能农业、银企协同共赢 的典型范例。这家坐落 ...

Group 1 - The focus of the report is on mixed-type financial products issued by wealth management companies, highlighting superior products available for investors through distribution channels [1] - The ranking of products is based on their annualized performance over the last month, three months, and six months, with a specific emphasis on the three-month annualized yield to reflect their performance amid recent market fluctuations [1] - A total of 28 distribution institutions are involved, including major banks such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [1] Group 2 - The list of financial products is subject to the "on sale" status based on their investment cycle, but actual availability may vary due to factors like sold-out quotas or differences in product listings for different customers [1] - Investors are advised to refer to the actual display on the distribution bank's app for the most accurate information regarding product availability [1]

2025年，全球贵金属市场迎来一场史无前例的"牛市"狂欢，黄金年内涨幅突破70%，白银飙升超 170%，铂金、钯金亦纷纷刷新历史高点。 火热行情迅速传导至国内消费终端，主流黄金品牌足金饰品价格突破每克1400元，线下门店购金热潮涌 动，黄金回收区也迎来交易高峰。 回溯本轮"牛市"成因，多重核心因素形成共振：多国中央银行持续增持黄金；地缘政治风险推升市场避 险情绪；美元信用动摇，进一步提升黄金等贵金属的相对吸引力；叠加矿产端供给短缺与工业需求增长 形成的供需结构性失衡，共同构筑了"牛市"的底座。 展望2026年，结构性分化或将取代普涨行情，需警惕的是，当前贵金属价格已处历史高位，而美联储货 币政策预期摇摆、地缘冲突缓解等潜在因素，仍可能引发市场大幅波动，理性研判、严控仓位成为投资 者穿越市场周期的关键。 2025：狂飙的"牛市" 12年前，中国大妈"血战"华尔街大鳄，在全国各地黄金卖场掀起了一场"疯狂扫货"的热潮，成为全球金 融市场上一段令人津津乐道的传奇。如今，随着2025年贵金属市场迎来"牛市"上涨行情，跑步入局的不 仅仅是中国大妈，中青年投资者也将黄金视为投资理财的心头好。 如果说之前贵金属的上行主要依赖 ...