智通财经APP讯，工商银行(01398)发布公告，该行高级业务总监宋建华先生因年龄原因，已提交辞呈， 辞去该行高级业务总监职务。 ...

格隆汇2月25日丨工商银行(01398.HK)公布，该行高级业务总监宋建华因年龄原因，已向该行提交辞 呈，辞去该行高级业务总监职务。 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告之內容概不負責，對其準確性或完整性亦不發表 任何聲明，並明確表示，概不就因本公告全部或任何部份內容而產生或因倚賴該等內容而引致之任何損失承擔任 何責任。 中國工商銀行股份有限公司 中國工商銀行股份有限公司 董事會 中國，北京 2026年2月25日 中國工商銀行股份有限公司（「本行」）高級業務總監宋建華先生因年齡原因，已向本行提 交辭呈，辭去本行高級業務總監職務。 | | | | | | 是否繼續 在本行及 | | 是否存在 未履行完 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | 原定任期 | | 其控股子 | 具體職務 | 畢的公開 | | 姓名 | 離任職務 | 離任時間 | 到期日 | 離任原因 | 公司任職 | （如適用） | 承諾 | | | 高級業務 | | | | | | | | 宋建華 | 總監 | 2026年2月25日 | – | 年齡原因 | 否 | – | 否 | 經宋建華先生確認，其與本行董事會無不同意見，亦無任何與其離任有關的事項需要通 知本行股東及債權人， ...

格隆汇2月25日丨工商银行(601398.SH)公布，公司高级业务总监宋建华先生因年龄原因，已向本行提交 辞呈，辞去本行高级业务总监职务。 ...

Core Insights - Banks are increasingly targeting the "red envelope" money from children, launching specialized savings and investment products to attract young customers [2][3][14] - The competition among banks for this demographic is seen as a long-term customer acquisition strategy, focusing on lifetime value and family connections [10][11] Group 1: Market Trends - Many banks have introduced children's savings products with higher interest rates compared to regular deposits, indicating a strategic move to attract young savers [7][9] - For example, banks like Huaxia Bank and Ruifeng Bank offer children's savings accounts with interest rates significantly above standard rates, such as 1.75% for a three-year term compared to 1.30% for regular deposits [7][9] - The marketing of these products is part of a broader trend where banks are recognizing the potential of the children's financial market, which is still in its early stages in China [12] Group 2: Product Offerings - Various banks have launched specific products aimed at children, such as Huaxia Bank's "Sunshine Growth Plan" and Qingxin Rural Commercial Bank's "Play with Red Envelope" campaign, which includes incentives like prize draws [5][6] - Investment products are also being marketed to children, with banks like ICBC promoting low-risk bond funds and index funds as suitable options for growing "red envelope" money [6] - The interest rates for children's savings accounts are often structured to be more attractive than those for adult accounts, serving as a "door opener" for banks to establish long-term relationships with families [9][10] Group 3: Strategic Implications - The focus on children's financial products is part of a "positioning war" among banks, aiming to secure future customers from a young age [10][11] - Banks are leveraging the family connection aspect, where serving one child can lead to the entire family's engagement with the bank's services [10][11] - The accumulation of data from young customers is seen as a foundation for future personalized services, transitioning from a "flow thinking" to a "retention thinking" approach in banking [11][12]

Core Viewpoint - The competition among financial institutions for managing children's "lucky money" has intensified, with banks offering attractive savings products specifically designed for minors, often featuring higher interest rates than traditional large-denomination deposits [1][4]. Group 1: Product Offerings - Many banks have introduced children's savings accounts with low minimum deposit requirements and waived card issuance fees, making them accessible to families [2]. - Specific products include the "伴宝贝成长" module from Industrial and Commercial Bank of China, which allows parents to add children's bank cards to family accounts, and the "金小葵" parent-child account from China Merchants Bank, which offers a variety of investment options [2]. - Interest rates for these children's savings products are competitive, with some banks offering rates higher than those for standard fixed-term deposits, such as Hangzhou Bank's 1.9% for a three-year term [3][4]. Group 2: Marketing Strategies - Banks are employing creative marketing strategies to attract both children and their parents, including colorful card designs featuring popular characters and customizable savings products that commemorate children's milestones [5]. - The design of children's bank cards has shifted to vibrant colors and fun patterns, with some banks offering limited edition cards that appeal to young customers [5]. - The introduction of themed savings products, such as the "压岁钱定制存单" from Dongnong Commercial Bank, reflects a trend of linking financial products to personal growth and family values [5]. Group 3: Changing Attitudes - There is a noticeable shift in how parents manage their children's "lucky money," moving from a model of parental control to a more collaborative approach where children are involved in financial decisions [6]. - Parents are increasingly viewing the management of "lucky money" as an opportunity for financial education, encouraging children to make informed choices about saving and investing [6].

21世纪经济报道记者郭聪聪 春节刚过，当孩子们还在盘算着如何"支配"刚刚到手的压岁钱时，嗅觉敏锐的金融机构已经掀起了一场 针对未成年客群的"压岁钱争夺战"。 早在数年前，多家银行便已布局压岁钱相关金融业务。今年，一个格外引人注目的现象是：部分银行推 出的儿童专属存款产品，其利率甚至高于20万元起存的大额存单。中国邮政储蓄银行研究员娄飞鹏分析 称，银行愿为小额压岁钱给出高息，核心原因在于能以低成本锁定长期资金，同时绑定家庭客群。 记者注意到，在今年压岁钱争夺战背后，银行营销手段也不断升级——从活泼可爱的儿童存折， 到"985"寓意，再到融入成长记录的个性化服务，花样翻新的活动不仅让家长们心动，也悄然改变着他 们对待孩子压岁钱的态度：从父母的"代管"逐渐转向与孩子的"共管"。 低门槛高利率，儿童专属存款"反超"20万大额存单 与往年相比，今年银行推出的压岁钱理财计划更加务实。 21世纪经济报道记者了解到，目前多数银行的儿童存折起存金额低，且免收开卡工本费，几乎为零门 槛。 在网点，记者也遇到了正在为孩子办理储蓄的吴女士。她告诉记者，这是她第一次尝试这类儿童存款产 品，"觉得利率挺合适的，就把孩子的压岁钱存了，我自 ...

公司本次注册基础品种为中期票据，注册金额为30亿元，注册额度自该通知书落款之日起2年内有效， 由中信银行股份有限公司、招商银行股份有限公司、中国工商银行股份有限公司和中国光大银行股份有 限公司联席主承销；公司在注册有效期内可分期发行，接受注册后如需备案发行，应事先向交易商协会 备案。发行完成后，应通过交易商协会认可的途径披露发行结果。 格隆汇2月25日丨海格通信(002465.SZ)公布，近日，公司收到交易商协会关于公司注册发行中期票据的 《接受注册通知书》(中市协注〔2026〕MTN127号)，同意接受公司本次中期票据(科技创新债券)注 册。具体情况如下： ...

公司本次注册基础品种为中期票据，注册金额为30亿元，注册额度自该通知书落款之日起2年内有效， 由中信银行股份有限公司、招商银行股份有限公司、中国工商银行股份有限公司和中国光大银行股份有 限公司联席主承销；公司在注册有效期内可分期发行，接受注册后如需备案发行，应事先向交易商协会 备案。发行完成后，应通过交易商协会认可的途径披露发行结果。 格隆汇2月25日丨海格通信(002465.SZ)公布，近日，公司收到交易商协会关于公司注册发行中期票据的 《接受注册通知书》(中市协注〔2026〕MTN127号)，同意接受公司本次中期票据(科技创新债券)注 册。具体情况如下： ...

格隆汇2月25日丨工商银行(601398.SH)在互动平台表示，我行密切关注海底数据中心等新技术发展与行 业实践，目前暂无海底数据中心的建设规划。 ...