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。 ...

Group 1 - The company is closely monitoring the development of new technologies such as underwater data centers and their industry applications [1] - Currently, there are no plans for the construction of underwater data centers by the company [1]

新春伊始，少儿理财的"竞技场"准时在银行圈内敲响战鼓。 红红火火的压岁钱不仅是春节的节庆符号，在金融机构眼中，更是零售金融撬动家庭资产配置的抓手。 信风注意到，如今各家银行并非仅仅停留在营销造势，而是将其沉淀为体系化的运营模式，这一点在头 部城商行、股份行乃至国有大行身上体现得尤为充分。 以北京银行为例，该行在儿童金融赛道的布局具有较强的代表性，其核心载体是自2022年推出的专 属"小京卡"。 在近期的春节营销中，北京银行推出了起存门槛仅1000元、利率具有明显优势的"小京压岁宝"，其三年 期定期存款利率达到1.75%，较该行同期限一般存款利率有显著上浮； 这种打法旨在通过实物卡片满足儿童的专属感，同时用手机银行"压岁钱账本"提升家长APP的活跃度。 本质上这也是在存量博弈时代，通过精细化客群运营来提前锁定未来的优质客户。 放眼全行业，这种"高收益、低门槛"存压岁钱的引流策略已成共识： 例如，广西北部湾银行推出的"梦想储蓄1号"，三年期利率高达1.9%，50元即可起存； 这种定向的利率红包，反映出银行对低成本、高粘性负债的渴求。 将视线转向以财富管理见长的招商银行，其策略则更侧重于生态化与场景渗透。 例如，招 ...

4年前北京冬奥会带动的冰雪热不断延续，从赛场热潮转化为日常习惯，从一时关注延伸为持续参 与。今年初发布的《中国冰雪旅游发展报告（2026）》预测，2025年至2026年冬季中国冰雪旅游休闲人 数将达到3.6亿人次，收入有望达到4500亿元，其中，以冰雪旅游为主要出游动机的游客人数预计为2.2 亿人次。 冰雪经济正在成为我国经济发展中的新兴力量。新一轮由奥运引发的消费热潮已拉开序幕。其背 后，有银行业金融机构以全方位金融服务，持续提供支持的故事。 主题信用卡成为东西方文化交流的"移动名片" 相较于4年前的北京冬奥会，我国商业银行与米兰冬奥会的直接联系虽然少了很多，但其仍通过直 接或间接的方式支持着盛会、运动员和观众。 信用卡是最直接的联系之一。这个冬季有赴欧洲旅游计划的王女士提前为行程申请了方便在境外使 用的信用卡。农业银行米兰冬奥版信用卡上的白鼬姐弟吸引了她。可爱的白鼬姐弟分别是米兰冬奥会的 吉祥物蒂娜和冬残奥会的吉祥物米罗，它们的名字与此次冬奥会两座主办城市相呼应。"拿到之后发 现，卡面的贝母工艺亮闪闪的，很是漂亮。绑定Apple Pay后不仅在境外支付很方便，在订机票和酒店 以及餐饮购物支付时都有优惠。" ...