金金告诉记者，这笔钱将由她自己管理。母亲建议将资金存入银行，并适当配置教育类保险。"金额大 小不是关键，重要的是让她学会规划。"母亲说。 相比之下，金金的表姐回忆，自己13岁那年拿到的压岁钱不过1000元，其余都被父母"代为保管"。"现 在回头看，其实对钱的概念建立得比较晚。"她说。 春节假期刚过，关于压岁钱的讨论再次升温。 对不少孩子来说，这是春节期间最真实的一笔"大额收入"；对家长而言，则是一场关于财商教育的实操 课；而在银行体系内部，这笔看似分散的小钱，正成为零售转型中的一块新拼图。 近期，从国有大行到股份制银行，再到城农商行，多家机构密集推出儿童专属储蓄账户、亲子共管理财 方案及压岁钱定制存单。部分产品给予阶段性利率上浮，个别产品利率甚至高于同期限成人存款。 业内人士称，当压岁钱不再只是"过年红包"，银行也开始重新审视其客户价值。在净息差持续承压的背 景下，发力零售业务、拓展细分客群，成为银行寻求利润增长点的重要路径。 一笔9000元的"人生第一桶金" 大年初二，12岁的金金跟随父母亲回长辈家拜年。爷爷奶奶各给1000元，外公外婆各1000元，一位伯伯 和一位姑姑各1000元，再加上哥哥姐姐的红包，总 ...

Core Viewpoint - The central theme of the articles revolves around the liquidity management by the central bank and its impact on the interbank certificate of deposit (CD) rates, indicating a potential downward trend in rates due to increased liquidity measures and easing of funding pressures in the banking sector. Group 1: Central Bank Actions - The central bank has conducted a net injection of 300 billion yuan in medium-term liquidity through MLF operations, indicating a continued effort to maintain ample liquidity in the banking system [1][2] - The central bank's recent actions include a fixed quantity and multi-price bidding for 600 billion yuan in MLF, reflecting a commitment to long-term liquidity support [2] - Analysts suggest that the central bank's liquidity measures may lead to a decrease in interbank CD rates, with expectations that the rates for state-owned banks could fall below 1.55% [3][4] Group 2: Interbank CD Market Dynamics - The usage rate of interbank CDs has significantly declined, with state-owned banks experiencing a notable easing of "liability shortage" pressures compared to previous years [5][6] - As of January, the balance of interbank CDs was reported at 19.03 trillion yuan, a decrease of 2.77 trillion yuan since May 2025, indicating a contraction in the issuance of these instruments [7] - The interbank CD issuance has not seen a significant increase despite the traditional "opening red" period for banks, with net financing volumes remaining negative for several months [9] Group 3: Market Reactions and Trends - The rates for AAA-rated interbank CDs have fallen below 1.6%, influenced by the central bank's liquidity tools and a reduced willingness among banks to issue CDs due to shrinking funding gaps [4][6] - The overall structure of bank deposits is changing, with a noted increase in asset management products, which are shifting towards interbank deposits and CDs, thereby altering the funding landscape for banks [6] - The interbank CD usage rates among major banks have decreased, with the Agricultural Bank of China leading at 84.79%, but still lower than previous years [8]

Core Viewpoint - The influx of year-end bonuses into the financial market is seen as a significant opportunity for banks to attract stable retail liabilities and optimize their funding structure [2][6]. Group 1: Bank Strategies for Year-End Bonus Funds - Commercial banks and their wealth management subsidiaries have launched a series of exclusive financial products targeting year-end bonuses, focusing on flexible terms, risk levels, and low investment thresholds [3][4]. - Banks are moving beyond simply competing on expected returns, instead offering comprehensive asset allocation solutions that combine wealth management, deposits, funds, and insurance [3][7]. - The design of these products emphasizes low entry barriers and stable risk profiles, with some banks offering products with minimum investment amounts as low as 1 yuan [3][4]. Group 2: Product Offerings and Features - Postal Savings Bank has introduced various products catering to different liquidity needs, including low-risk options with daily redemption and moderate-risk products with specific holding periods [4]. - Shanghai Pudong Development Bank has implemented a tiered strategy for product offerings, combining deposit and wealth management products with varying terms and interest rates [4][5]. - Dalian Bank has launched a series of exclusive net value-based financial products with investment periods ranging from 185 to 382 days, with corresponding increases in expected returns [5]. Group 3: Underlying Logic and Market Dynamics - The competition for year-end bonus funds is driven by the need for banks to optimize their liability structures and reduce reliance on high-cost interbank funding, especially in a low-interest-rate environment [6][7]. - The shift in banking strategies reflects a broader transition from product-centric to customer-centric approaches, aiming to meet diverse wealth management needs and build long-term customer relationships [7]. - Analysts emphasize that the focus on year-end bonuses is a strategic choice for banks to stabilize their funding sources and enhance customer retention in a challenging market [6][7].

不缺负债。 今年2月，央行通过加量操作MLF（中期借贷便利）在公开市场净投放3000亿元中期流动性。在此背景 下，有机构判断，已处于低位较长时间的同业存单利率可能还有下行空间，国有大行1年期品种利率有 望降至1.55%以下。 2025年下半年以来，银行业"缺负债"压力明显缓解，市场上量价均有反应。从同业存单使用率来看，去 年国有大行、股份行备案同业存单额度的使用率整体低于上年，同业存单净融资量已连续多个月份为 负；从最新市场表现来看，AAA评级的1年期同业存单利率多数仍在1.6%以下。 央行持续释放中长期流动性 2月24日，央行发布MLF招标公告称，为保持银行体系流动性充裕，25日以固定数量、利率招标、多重 价位中标方式开展6000亿元MLF操作，期限为1年期。考虑到本月有3000亿元MLF到期，央行2月通过 MLF净投放3000亿元，为连续12个月加量操作MLF。 值得注意的是，春节过后，市场短期流动性正迎来逐步收紧，央行在24日、25日分别开展5260亿元7天 期逆回购、4095亿元7天期逆回购，先是净回笼9264亿元，之后小幅净投放95亿元。 "2月3个月期、6个月期买断式逆回购实现6000亿元净投放， ...

银行零售业务的"新蓝海"。 春节假期刚过，关于压岁钱的讨论再次升温。 对不少孩子来说，这是春节期间最真实的一笔"大额收入"；对家长而言，则是一场关于财商教育的实操 课；而在银行体系内部，这笔看似分散的小钱，正成为零售转型中的一块新拼图。 近期，从国有大行到股份制银行，再到城农商行，多家机构密集推出儿童专属储蓄账户、亲子共管理财 方案及压岁钱定制存单。部分产品给予阶段性利率上浮，个别产品利率甚至高于同期限成人存款。 业内人士称，当压岁钱不再只是"过年红包"，银行也开始重新审视其客户价值。在净息差持续承压的背 景下，发力零售业务、拓展细分客群，成为银行寻求利润增长点的重要路径。 一笔9000元的"人生第一桶金" 大年初二，12岁的金金跟随父母亲回长辈家拜年。爷爷奶奶各给1000元，外公外婆各1000元，一位伯伯 和一位姑姑各1000元，再加上哥哥姐姐的红包，总计9000元。 这是她目前为止收到的最大一笔压岁钱。 金金告诉记者，这笔钱将由她自己管理。母亲建议将资金存入银行，并适当配置教育类保险。"金额大 小不是关键，重要的是让她学会规划。"母亲说。 相比之下，金金的表姐回忆，自己13岁那年拿到的压岁钱不过1000元 ...

【导读】工商银行高级业务总监宋建华因年龄原因离任 2月25日，工商银行（601398）发布公告称，该行高级业务总监宋建华因年龄原因，已经向该行提交辞 呈，并辞去该行高级业务总监职务，离任时间为2026年2月25日。 公告显示，宋建华不再担任该行及其控股子公司的任何职务，且不存在未履行完毕的公开承诺。同时， 经宋建华确认，其与该行董事会无不同意见，亦无任何与其离任有关的事项需要通知本行股东及债权 人，已按照有关要求做好交接工作。 从新晋高管来看，2025年10月，工商银行聘任赵桂德为该行副行长，此前其为工商银行上海分行行长； 同年8月，该行副行长姚明德兼任该行首席财务官，此岗位也为工商银行历史上首次设立；同时，该行 原高级业务总监田枫林，接替出任该行董事会秘书。此外，工商银行原副行长、董事会秘书段红涛辞去 相关职务，并转任该行党委副书记（专职）。 最新财报数据显示，截至2025年三季度末，工商银行总资产达528134.21亿元，较上年末增长8.18%。报 告期内，该行实现营业收入6400.28亿元，同比增长2.17%；归属于母公司股东的净利润为2699.08亿 元，同比增长0.33%。 资产质量方面，截至202 ...

Core Viewpoint - Baili Technology is facing significant financial and legal challenges, including ongoing losses and multiple lawsuits related to financial borrowing contracts, which may impact its operational and financing capabilities. Group 1: Financial Performance - Baili Technology has reported a net loss of 118 million yuan in 2023 and an increased loss of 401 million yuan in 2024, with projections indicating a continued loss of 140 million to 200 million yuan in 2025 [3] - The company has experienced three consecutive years of losses, attributed to long revenue recognition cycles and reduced gross margins due to delayed project deliveries and increased credit impairment losses [3] Group 2: Legal Issues - The company is involved in two financial borrowing contract disputes, with a total claim amount of 104 million yuan, including 84.85 million yuan from Jiangsu Bank and 18.8 million yuan from Industrial and Commercial Bank [1][2] - Baili Technology has a history of frequent litigation, with total claims from various lawsuits and arbitration cases amounting to 291 million yuan as of February 10 [3] Group 3: Operational Impact - Baili Lithium Battery, a key subsidiary of Baili Technology, is primarily engaged in the production of lithium battery materials and has clients such as CATL and Hunan Shanshan, making the ongoing lawsuits potentially detrimental to its daily operations and financing capabilities [2] - The company is actively collecting evidence and preparing to respond to the lawsuits to protect its legal rights, while also indicating that the final impact will depend on court rulings [1][4]

【导读】工商银行高级业务总监宋建华因年龄原因离任 中国基金报记者 嘉合 2月25日，工商银行发布公告称，该行高级业务总监宋建华因年龄原因，已经向该行提交辞呈，并辞去 该行高级业务总监职务，离任时间为2026年2月25日。 公告显示，宋建华不再担任该行及其控股子公司的任何职务，且不存在未履行完毕的公开承诺。同时， 经宋建华确认，其与该行董事会无不同意见，亦无任何与其离任有关的事项需要通知本行股东及债权 人，已按照有关要求做好交接工作。 | 姓名 | 离任职务 | 离任时间 | 原定任期 | 离任 | 是否继续在本 行及其控股子 | 具体职务 | 是否存在 未履行完 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | 到期日 | 原因 | 公司任职 | (如适用) | 毕的公开 | | | | | | | | | 承诺 | | 宋建华 | 高级业务总监 | 2026 年 | | 年齡 | 否 | | 否 | | | | 2月25日 | | 原因 | | | | 据悉，宋建华于2020年起任工商银行高级业务总监，此前曾为总行个人金融业务部总经理，长 ...

（编辑 王雪儿） 证券日报网讯 2月25日，工商银行在互动平台回答投资者提问时表示，根据2025年第三季度报告，截至 报告期末，公司普通股股东总数为759583户。其中H股股东101676户，A股股东657907户。 ...

新华社香港2月25日电 香港恒生指数25日涨175.4点，涨幅0.66%，收报26765.72点。全日主板成交 2367.65亿港元。 国企指数涨26.89点，收报9034.75点，涨幅0.3%。恒生科技指数跌10.2点，收报5260.5点，跌幅 0.19%。 蓝筹股方面，腾讯控股涨0.48%，收报522.5港元；香港交易所跌0.34%，收报412.2港元；中国移动 涨0.32%，收报79.3港元；汇丰控股涨5.47%，收报142.7港元。 香港本地股方面，长实集团跌1.85%，收报46.64港元；新鸿基地产跌2.08%，收报136.4港元；恒基 地产跌2.1%，收报34.58港元。 中资金融股方面，中国银行跌0.21%，收报4.68港元；建设银行涨0.87%，收报8.13港元；工商银行 涨0.16%，收报6.46港元；中国平安涨1.93%，收报71.15港元；中国人寿涨0.74%，收报32.72港元。 石油石化股方面，中国石油化工股份无升跌，收报5.52港元；中国石油股份涨0.42%，收报9.6港 元；中国海洋石油跌0.39%，收报25.48港元。 【纠错】 【责任编辑:邱丽芳】 ...