炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 为构建覆盖全面的宏观审慎管理体系，强化系统重要性金融机构监管，根据《系统重要性银行评估办 法》，近期中国人民银行、国家金融监督管理总局开展了2025年度我国系统重要性银行评估，认定21家 国内系统重要性银行，其中国有商业银行6家，股份制商业银行10家，城市商业银行5家。按系统重要性 得分从低到高分为五组：第一组11家，包括中国民生银行、中国光大银行、平安银行、华夏银行、宁波 银行、江苏银行、北京银行、南京银行、广发银行、浙商银行、上海银行；第二组4家，包括兴业银 行、中信银行、浦发银行、中国邮政储蓄银行；第三组2家，包括交通银行、招商银行；第四组4家，包 括中国工商银行、中国银行、中国建设银行、中国农业银行；第五组暂无银行进入。 下一步，中国人民银行、国家金融监督管理总局将按照《系统重要性银行附加监管规定（试行）》要 求，发挥好宏观审慎管理与微观审慎监管合力，持续夯实系统重要性银行附加监管，促进系统重要性银 行安全稳健经营和健康发展，更好服务实体经济高质量发展。 新浪声明：此消息系转载自新浪合作媒体，新浪网登载此文出于传递更多信息之目的 ...

2月13日金融一线消息，据央行官网，为构建覆盖全面的宏观审慎管理体系，强化系统重要性金融机构 监管，根据《系统重要性银行评估办法》，近期中国人民银行、国家金融监督管理总局开展了2025年度 我国系统重要性银行评估，认定21家国内系统重要性银行，其中国有商业银行6家，股份制商业银行10 家，城市商业银行5家。按系统重要性得分从低到高分为五组：第一组11家，包括中国民生银行、中国 光大银行、平安银行、华夏银行、宁波银行、江苏银行、北京银行、南京银行、广发银行、浙商银行、 上海银行；第二组4家，包括兴业银行、中信银行、浦发银行、中国邮政储蓄银行；第三组2家，包括交 通银行、招商银行；第四组4家，包括中国工商银行、中国银行、中国建设银行、中国农业银行；第五 组暂无银行进入。 责任编辑：曹睿潼 责任编辑：曹睿潼 2月13日金融一线消息，据央行官网，为构建覆盖全面的宏观审慎管理体系，强化系统重要性金融机构 监管，根据《系统重要性银行评估办法》，近期中国人民银行、国家金融监督管理总局开展了2025年度 我国系统重要性银行评估，认定21家国内系统重要性银行，其中国有商业银行6家，股份制商业银行10 家，城市商业银行5家。按系 ...

近日，财政部、中国人民银行、金融监管总局联合印发《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》。相比去年8月推出的个人消费贷款贴 息政策，此次财政贴息政策首次将信用卡账单分期业务纳入支持范围，符合条件的客户可享1%财政贴息，年度累计上限为每人3000元(包含个人消费贷款和 信用卡账单分期)，有效降低居民消费信贷成本，进一步释放民生消费潜力。 多家银行已陆续响应该政策，明确贴息举措，推动政策红包精准发放。而在平台企业方面，京东积极响应政策号召，于2月13日率先上线"财政贴息X信用卡 账单分期"服务，成为行业内首家实现财政贴息政策与信用卡账单分期还款场景全链路打通的平台。 在京东或京东金融搜索"信用卡还款"即可参与贴息活动 上海消费者田女士最近发现，信用卡账单分期现在也能享受财政贴息了。"我经常在京东购物，信用卡还款也基本就在京东上直接还。这次发现平台直接有 了财政贴息的标志，分期息费省了一小笔钱，另外也挺方便，也不用单独再去银行软件操作。" 她算了下，按信用卡账单还款金额6000元分6期来还，财政 贴息后整体可以省24元。 拥有这些银行信用卡的用户，在京东及京东金融搜索"信用卡还款"，即可参与信用卡账单 ...

2026 年 3 月 9 日。 证券代码：000001 证券简称：平安银行 公告编号：2026-006 优先股代码：140002 优先股简称：平银优 01 平安银行股份有限公司关于赎回优先股的第二次提示性公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导 性陈述或重大遗漏。 平安银行股份有限公司（以下简称本行）于 2016 年 3 月非公开发行 2 亿股 优先股（以下简称本次优先股），优先股简称：平银优 01，优先股代码：140002。 根据《平安银行股份有限公司非公开发行优先股募集说明书》约定，自发行之日 起 5 年后，根据国务院银行业监督管理机构的批准，本行有权赎回全部或部分本 次优先股。经本行董事会审议通过，并经国家金融监督管理总局答复无异议，本 行拟于 2026 年 3 月 9 日赎回本次优先股，现将有关赎回事宜提示如下： 一、赎回规模 本行拟赎回全部 2 亿股本次优先股，每股面值人民币 100 元，总规模人民币 200 亿元。 二、赎回价格 本次优先股的赎回价格为优先股的票面金额（100 元/股）加当期应付股息 （4.37 元/股）。 三、赎回时间 四、付款时间及方法 ...

Core Viewpoint - As the Spring Festival approaches, banks and wealth management companies are promoting financial products to help workers make the most of their year-end bonuses, with a focus on investment opportunities during the holiday period [1][2]. Group 1: Financial Products and Strategies - Multiple banks have set February 13 as the last trading day for specific wealth management products, allowing customers to earn returns during the 9-day Spring Festival holiday [2][3]. - ICBC Wealth Management offers various open-type wealth management products with a risk level of PR1, generally yielding annualized returns below 2%, but allowing daily subscriptions and redemptions [2]. - Minsheng Wealth Management has launched "Cash+" products that can accrue interest during the holiday, with one fixed-income product achieving an annualized return of 5.80% [2]. - Some banks have extended their operating hours to accommodate customers, with Zhaoyin Wealth Management allowing purchases until midnight on February 13 [3]. Group 2: Structured Deposits and Interest Rates - Several banks have introduced short-term structured deposits that accrue interest during the Spring Festival, with some offering rates below 2% [5]. - Smaller banks have quietly raised deposit rates to attract customers, with specific examples showing increases in rates for various term deposits [6]. - Structured deposits are characterized by capital protection and are considered lower risk compared to wealth management products, while offering higher rates than traditional bank deposits [5]. Group 3: Gold Investment Trends - There is a growing interest in gold investment products as customers flock to banks to purchase gold bars and related products ahead of the Spring Festival [7]. - The demand for gold is driven by a hot precious metals market and festive sentiments, although banks are increasing risk controls and investor education due to price volatility [7]. - Analysts suggest that gold should be viewed as a stabilizing asset in investment portfolios, recommending strategies such as dollar-cost averaging to mitigate short-term price fluctuations [7].

来源：市场资讯 天眼查资料显示，平安银行股份有限公司，成立于1987年，位于深圳市，是一家以从事货币金融服务为 主的企业。企业注册资本1142489.4787万人民币。通过天眼查大数据分析，平安银行股份有限公司共对 外投资了11家企业，参与招投标项目1146次，财产线索方面有商标信息497条，专利信息4652条，此外 企业还拥有行政许可71个。 国家知识产权局信息显示，平安银行股份有限公司取得一项名为"基于代码变更的差异处理方法、装 置、终端及存储介质"的专利，授权公告号CN115576600B，申请日期为2022年10月。 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 Insights - The mobile banking app industry in China is transitioning into a stock operation phase, with user behavior shifting towards efficient, purpose-driven usage rather than prolonged browsing [1][7][9] - AI and ecosystem integration are driving a transformation in service delivery, enhancing user experience and security [2][11] - Regulatory frameworks are tightening, emphasizing compliance and innovation, with new policies guiding the industry towards value creation [3][14] - Competitive dynamics are increasingly influenced by ecosystem capabilities and regional strengths, with state-owned banks leading the market [4][16] Market Overview - The user base for mobile banking apps is stabilizing, with monthly active users (MAU) projected to fluctuate between 648 million and 739 million from 2023 to 2025, reaching a peak by December 2025 [7] - The overall market is moving from rapid expansion to a focus on enhancing existing user engagement [7] User Behavior Trends - User engagement metrics show a slight decline in daily usage frequency, with average daily sessions dropping from approximately 4.5 times in 2023 to around 3.3 times in early 2024, stabilizing thereafter [9] - Effective usage time is also decreasing, indicating a shift from passive browsing to targeted, functional use [9] Technological Trends - By 2025, mobile banking technology will focus on deep AI integration and ecosystem-level enhancements, moving beyond simple feature improvements [11] Regulatory Environment - The regulatory landscape is evolving, with a focus on compliance and user rights protection, driven by the implementation of new policies [14] Competitive Landscape - The competitive environment is characterized by significant differentiation, with state-owned banks leveraging their extensive ecosystems, while regional banks focus on localized growth [4][16] User Demographics - The core user demographic consists predominantly of males (56.7%) and younger users under 40 years old (63.3%), with a significant portion being married and having children [6][45][47] - Users from new first-tier and lower-tier cities account for over 90% of active users, highlighting the importance of these markets for future growth [48] Top Mobile Banking Apps - Agricultural Bank of China leads with an average MAU of 249 million, followed by Industrial and Commercial Bank of China with 194 million, and China Construction Bank with 109 million [18][19] - Among joint-stock banks, China Merchants Bank leads with 71.85 million MAU, while Ping An Bank and CITIC Bank follow closely [20][22] Case Studies of Leading Banks - Agricultural Bank of China is enhancing user experience through its mobile app, aiming for over 270 million MAU by the end of 2025 [30] - Industrial and Commercial Bank of China focuses on smart financial services, improving user engagement through various innovative features [33] - Postal Savings Bank of China aims to evolve its app into a companion service, enhancing user interaction and experience [35] - China Merchants Bank emphasizes wealth management and digital loan services, integrating financial services into daily life [37] - Ping An Bank is enhancing its app with AI-driven insights and personalized services [39] - Beijing Bank is focusing on a comprehensive wealth management system and improved user experience through its app [41]

大族数控在港股敲钟上市，跻身"A+H"行列。（资料图片） 深圳商报首席记者 谢惠茜 2月6日上午，随着卓正医疗、大族数控在港股敲钟上市，宣告深圳迎来了里程碑时刻：全市上市公司总量突 破600家大关，其中，境内上市公司426家，境外上市公司174家。截至2026年1月末，深圳上市公司总市值超 19万亿元，稳居全国大中城市第二位。 这不仅是一个数字的跨越，更是一座城市实体经济活力、创新动能与金融生态深度融合的生动映照。从新中 国第一张股票在宝安破土而出，到今天600个火炬熠熠生辉，深圳企业的上市史，几乎就是半部中国现代企业 制度的演进史。 拓荒奠基 从"第一股"到全球销冠 回望来路，那些"拓荒者"的名字镌刻于中国资本市场的史册。 1983年，宝安县联合投资公司向社会公开发行"原始股"，催生了改革开放后深圳第一家股份制企业——深宝 安，也诞生了新中国第一张股票。1991年6月25日，深宝安登陆深交所，成为中国资本市场第一批上市企业； 1991年发行的"南玻B"，则成为中国内地第一支B股。 更早的1987年，招商银行作为全国第一家由企业法人持股的商业银行在深圳成立，中国平安也在蛇口呱呱坠 地，日后成长为世界级的综合金 ...

Group 1 - The core announcement is about the addition of multiple sales institutions for the Ping An Jiurui Return Mixed Securities Investment Fund, effective from February 26, 2026 [1] - The fund's sale period is set from February 26, 2026, to March 13, 2026 [2] - Investors can consult various sales institutions for details regarding the fund, including customer service numbers and websites [2][3][4][5][6][7][8][9][10][11] Group 2 - Starting from February 13, 2026, Ping An Fund Management Company has signed a supplementary sales agreement with China Merchants Bank, allowing the bank to sell certain funds [8] - The announcement includes details on how investors can perform various transactions such as account opening, subscription, redemption, and regular investment through China Merchants Bank [8][9] - There are fee discounts available for investors who subscribe or regularly invest through China Merchants Bank, with the bank having the discretion to set the discount rates [10][11]

Group 1 - Shenzhen has reached a milestone with over 600 listed companies, including 426 domestic and 174 overseas, with a total market capitalization exceeding 19 trillion yuan as of January 2026 [1] - The history of Shenzhen's listed companies reflects the evolution of China's modern corporate system, starting from the first stock issued in Bao'an in 1983 [2] - The establishment of the SME Board in 2004 and the Growth Enterprise Market in 2009 opened capital channels for private technology enterprises, with Shenzhen companies occupying significant positions [3] Group 2 - Recent years have seen a new wave of companies redefining "Shenzhen speed," with notable listings such as Yuntian Lifei and Youbixuan, showcasing rapid growth and innovation [4] - New companies listed on the Science and Technology Innovation Board and the Growth Enterprise Market indicate Shenzhen's proactive embrace of capital market reforms and alignment with cutting-edge technology [5] - In the first three quarters of 2025, Shenzhen-listed companies achieved a total revenue of 5.20 trillion yuan and a net profit of 457.8 billion yuan, reflecting strong growth in the manufacturing sector [7] Group 3 - The Hong Kong market has seen significant activity, with 27 new companies raising a total of 29.57 billion HKD, and over 70% of these companies experiencing stock price increases on their first trading day [7] - The strong performance of companies like BYD, which raised over 43.5 billion HKD in a single refinancing, highlights the robust capital market environment in Shenzhen [7] - Shenzhen's high-tech exports, including drones and 3D printers, grew by 10.1% in 2025, supported by a solid foundation of national high-tech enterprises [7] Group 4 - The journey from the first stock in 1983 to 600 listed companies today illustrates Shenzhen's transformation from a pilot city to a benchmark for capital markets in China [8] - Each listed company represents a milestone for Shenzhen, indicating that reaching 600 is not an endpoint but a new starting point for further growth [8]