事发当日，网点内人流密集，工作人员第一时间发现老年客户晕倒后，立即启动应急预案。现场人员分 工明确：一方面快速维护厅堂秩序，疏散围观群众，保持环境通风与急救通道畅通；另一方面，工作人 员俯身轻声呼唤客户，持续监测其意识与呼吸状况，同时迅速取来热水和糖果，为客户补充能量。在整 个处置过程中，工作人员始终守护在客户身旁，耐心安抚，直至客户逐渐恢复清醒，身体状态趋于平 稳。 此次成功救助，既是支行员工应急处置能力与责任意识的集中体现，更是该行长期深耕适老金融服务的 必然结果。为切实保障老年客户金融安全与服务体验，农行泰山支行从硬件设施与软件服务双向发力， 持续优化适老服务体系：网点内全面配备无障碍通道、安全扶手、适配老花镜、便民轮椅等助老设施， 消除老年客户办事不便的物理障碍；同时设立专职适老服务专员，为老年客户提供"一对一"业务指导， 简化存款支取、密码重置等常用业务流程，减少等候时间。 金融为民，始于细节，贵在担当。农行泰山支行始终将老年客户等特殊群体的服务需求放在重要位置， 既通过常态化应急培训提升员工风险处置能力，又以精准化适老举措筑牢服务保障。未来，支行将持续 深化适老服务内涵，把专业保障与人文关怀融入服 ...

Group 1 - The Shanghai Gold Exchange announced a reduction in margin levels and price fluctuation limits for gold and silver deferred contracts, effective February 24, 2026 [1] - The margin ratio for gold contracts (Au T+D, mAu T+D, Au T+N1, Au T+N2, NYAuTN06, NYAuTN12) will decrease from 21% to 18%, and the price fluctuation limit will be adjusted from 20% to 17% [1] - The margin ratio for silver contracts (Ag T+D) will be reduced from 27% to 24%, with the price fluctuation limit changing from 26% to 23% [1] Group 2 - This adjustment marks a shift from previous increases in margin levels, as the exchange had raised these levels multiple times earlier in February [2] - On February 3, the margin for gold contracts was increased from 16% to 17%, and again on February 6, it was raised to 18% before reaching 21% prior to the Spring Festival [2] - Several commercial banks also adjusted their risk control measures for personal precious metal business, with increases in margin ratios and minimum purchase amounts [2]

新年伊始，正值年终奖发放及资金回笼高峰期，忙碌了一年的人们正在计划如何进行投资并筹划新一年 的资产配置方案。对于银行来说，"揽储"就成了当前的重要任务。 春节期间，时代周报记者实地探访五大行及部分股份行、城商行营业网点，发现银行揽储存在明显分 化：五大行"按兵不动"，存款利率未作调整，没有特殊的揽储活动；而股份行及城商行在利率上拥有一 贯优势，定期存款利率普遍高于五大行，并且在春节期间推出各类揽储活动。 此外，时代周报记者还发现，银行正经历从"揽储为王"转向"资产配置"的转型。针对不同风险偏好、不 同资金实力、不同职业背景、不同回报预期的投资者，理财经理需精准匹配投资产品，不同银行的业务 侧重点也各不相同。 五大行专攻资管规模，股份行、城商行"揽储正酣" 春节期间，五大行保持存款利率不动，战略性放弃高息揽储，收缩存贷利差空间，同时转向资产提升送 积分或立减金活动，客户存款+理财+基金等综合资产达标即可领奖。 据时代周报记者春节期间实地探访，工商银行、农业银行、中国银行、建设银行的存款利率未作改变， 定期存款一年期、两年期、三年期利率分别为1.1%、1.2%、1.55%。而交通银行的定期存款利率要高于 上述四家 ...

2月24日，贵阳市住房公积金管理中心发布公告，将于近期开展"商转公"贷款业务，并于2月25日开放预 约。具体如下： 为确保"商转公"贷款业务办理公平、公正、公开，贵阳市住房公积金管理中心在"贵阳公积金"微信公众 号上搭建了"商转公"贷款业务预约平台，将于2026年2月25日上午9点正式开放预约。如需要办理该项业 务，请及时通过"贵阳公积金"微信公众号预约。 一、申请条件 本次开展"商转公"贷款业务，申请条件除需符合我中心住房公积金贷款一般规定外，申请时还应同时满 足以下条件： (一)申请人家庭在全国范围内从未使用过住房公积金贷款； (二)申请人从未在我中心成功办理过"商转公"贷款； (三)是原商业贷款的借款人和所购住房的产权人，产权人除配偶、未成年子女外无其他人； (四)原商业贷款为纯商业性个人住房贷款(不包括组合贷、贴息贷等)，且原贷款银行为我中心公积金贷 款承办银行并支持办理此业务； (五)原商业贷款已正常还款满1年且申请前12个月内无逾期记录； (六)抵押房产位于贵阳或贵安新区行政区域内，已取得不动产权证书； (七)除原商业贷款抵押外，未设立其他抵押，无查封、保全、设立居住权等权利限制。 二、预约方式 ...

[Table_Page] 投资策略周报|银行 证券研究报告 [Table_Title] 银行投资观察 20260223 节后流动性无虞，关注二季度通胀格局 [Table_Summary] 核心观点： [Table_Gr ade] 行业评级 买入 前次评级 买入 报告日期 2026-02-24 [Table_PicQuote] 相对市场表现 [分析师： Table_Author]倪军 -10% -3% 4% 10% 17% 24% 02/25 05/25 07/25 09/25 12/25 02/26 银行 沪深300 | | SAC 执证号：S0260518020004 | | --- | --- | | | 021-38003646 | | | nijun@gf.com.cn | | 分析师： | 林虎 | | | SAC 执证号：S0260525040004 | | | SFC CE No. BWK411 | | | 021-38003643 | | | gflinhu@gf.com.cn | 请注意，倪军并非香港证券及期货事务监察委员会的注册 持牌人，不可在香港从事受监管活动。 [Table_ 相关研究 ...

Investment Rating - The report maintains an "Overweight" rating for the securities and banking sectors [9]. Core Insights - The report highlights the structural relaxation of refinancing policies, which is expected to improve profitability in the banking sector. The central bank's Q4 monetary policy report emphasizes the implementation of personal credit repair measures, supporting micro-entities [1][28]. - The report identifies investment opportunities in the order of securities > insurance > banking, with a focus on the potential for marginal improvements in the brokerage business due to the recent refinancing policy adjustments [12][24]. Summary by Sections Securities Sector - The optimization of refinancing measures announced by the exchanges is expected to lead to marginal improvements in the brokerage business, with leading firms likely to solidify their advantages through professional capabilities. The Chinese brokerage index performed better than the Hang Seng index during the holiday period, increasing by 0.20% [2][13]. - Recommended stocks include leading brokerages such as CITIC Securities, Guotai Junan, and GF Securities, as well as quality regional firms like Guoyuan Securities [3][12]. Insurance Sector - The report notes a mixed performance in the insurance sector, with property insurance companies showing gains while life insurance companies mostly declined. China Property & Casualty Insurance rose by 5%, while China Taiping fell by 4% [24][25]. - Investors are advised to focus on quality leaders in the insurance sector, with a preference for defensive stocks like China Ping An and China Life Insurance for conservative investors [24][25]. Banking Sector - The banking sector is experiencing a recovery in performance, with Q4 profits improving and net interest margins stabilizing. The report indicates a year-on-year increase in social financing, primarily due to the pre-positioning of government bonds and a rebound in off-balance-sheet financing [28][37]. - Recommended stocks include quality regional banks such as Nanjing Bank and Chengdu Bank, which are expected to perform well due to their strong fundamentals [3][28].

中国农业银行广 东省分行：金融 活水润南粤，服 务大局显担当_ 南方+_南方plus 在澎湃向前的时 代浪潮中，金 融"活水"如同强 劲血脉，为高质 量发展注入不竭 动力。中国农业 银行广东省分行 发展新质生产 力，核心在于科 技创新与产业创 新的深度融合。 农行广东分行敏 锐把握时代脉 搏，将金融服务 延伸至创新链的 最前端，出台十 条措施助力现代 化产业体系建 设，创新科技粤 易贷、科技创新 专利贷等产品， 为广东挺起制造 业脊梁筑牢坚实 （下称"农行广 东分行"）深植 南粤沃土，始终 将服务国家战略 与地方发展作为 根本宗旨，全力 支持经济大省挑 大梁，聚焦"制 造业当家" 、 "百 县千镇万村高质 量发展工 程"（下称"百千 万工程"）、粤 港澳大湾区建设 等重点领域，扩 大金融供给总 量，提升金融服 务质效，在助力 广东高质量发展 中交出一份实干 答卷。截至2025 年末，农行广东 分行各项贷款余 额达2.6万亿 元，年增量超 2000亿元，居同 业和系统"双第 一" 。 点燃创新引擎 金融"助推器"激 活产业升级动能 金融后盾。 在人工智能与机 器人产业盛会 上，由农行信贷 支持研发的国产 人形机 ...

Core Viewpoint - The ecological environment department has announced the first batch of beautiful rural pilot areas, with Liyang City in Changzhou, Jiangsu Province, being the only county in the province to receive this honor, highlighting its achievements in urban-rural integration and green development [1] Group 1: Ecological Protection and Financial Support - Liyang serves as an important ecological barrier for Taihu Lake, focusing on water environment governance and improving living conditions through over 100 projects during the 14th Five-Year Plan period [2] - Agricultural Bank of China (ABC) Liyang Branch has invested over 600 million yuan in ecological protection projects, including wetland restoration and water quality improvement, reinforcing Liyang's status as a national-level wetland park [2] - The bank has approved loans exceeding 2.2 billion yuan for rural environment governance projects, enhancing the livability of over 110 administrative villages [2] Group 2: Development of the Homestay Economy - The "Liyang No. 1 Road," spanning 365 kilometers, connects 220 rural tourism spots and has become a key driver for the local homestay industry, with over 380 establishments along the route [4] - ABC Liyang Branch has provided over 130 million yuan in loans to 117 homestay operators, facilitating local employment and entrepreneurship [4] - The bank supports the development of high-quality homestay brands and has provided 10 million yuan in financial support for ecological agriculture initiatives [4][5] Group 3: Empowering Specialty Agriculture - ABC Liyang Branch focuses on specialty agricultural products like "Tianmu Lake White Tea," offering comprehensive financial services to enhance the agricultural value chain [6] - The bank has supported nearly 60 tea growers with over 30 million yuan in loans, enabling farmers to share in the industry's benefits [7] - The bank is also investing in the emerging "freshwater lobster" farming sector, providing 800,000 yuan in loans to individual farmers and 180 million yuan for a modern agricultural park project [7]

近年来，农行辽宁省分行立足粮食主产区定位，将保障粮食安全视为头等大事，积极融入辽宁粮食产能 提升行动，打造特色服务网点，创新推广"粮农e贷""粮贸e贷"等系列产品，精准服务种植、收储到加 工、流通的全产业链。2025年，该行累计向粮食重点领域投放贷款101亿元，同比多投37亿元，有力支 持了辽粮集团、沈粮集团、"十月稻田"等一大批产业链主体稳健经营。 近年来，农行辽宁省分行积极融入农业强省与"海上辽宁"建设蓝图，持续引导金融活水深度灌溉辽沈大 地，确保金融资源优先保障县乡领域。2025年，该行投放县域贷款1800亿元、涉农贷款582亿元，分别 同比多投220亿元、135亿元。 为保障春节期间鸡蛋供应，建行河北武安支行工作人员走访佳美农业开放有限公司，了解生产情况和融 资需求。图为该公司鸡蛋分拣车间。 破解收储企业"燃眉之急" 冬日的辽宁虽寒气袭人，粮食收储却如火如荼。根据省气候中心预测，今年1月全省平均气温较常年同 期偏低0.5~1℃，降水量偏多一至二成。面对收购时间窗口更紧、资金压力更大的挑战，许多轻资产的 收储企业常因缺乏传统抵押物而犯难。 朝阳县二十家子镇的远丰贸易有限公司正面临这样的困境。该公司负责人 ...

为缓解冬季草场压力，推动草原生态保护与畜牧业高质量发展深度融合，每年10月中下旬，气候逐渐变 冷，门源县、祁连县部分牧户将牛羊迁往气候温和的张掖市民乐县、山丹县，借助当地20余万亩玉米秸 秆地开始为期5至6个月的借地放牧，来年3月，借牧点陆续开始准备农业生产，借牧户将牛羊运回本地 草场，一个借牧周期随之结束。 异地借牧模式为牲畜提供越冬饲草，实现草、畜空间分离，一方面有效减轻祁连山草原生态压力，实现 了祁连山牧区草畜平衡，避免了因过度放牧导致草原退化、土地沙化等问题，降低了对生态环境的不合 理索取。同时，一定程度上促进了草原牧场生态修复，保护了祁连山地区生物多样性。另一方面，优化 资源利用，大幅提高借牧点玉米秸秆饲料转化率等资源利用效率，减少了资源浪费，稳定了畜牧业健康 发展，降低"借户"饲养成本的同时，增加了"租户"收入，形成"牧区转场—农区借牧—生态保护—农牧 双赢"的可持续发展路径。 为确保异地借牧模式能够顺利开展，中国人民银行海北州分行深入调研异地借牧情况，根据借牧户短期 资金依赖度较高、贷款额度小、波动大的需求，指导辖内金融机构创新信贷产品，积极对接借牧户，有 效盘活当地牧业生产周转，为高原牧业转型 ...