2026年1月1日，你手机里的数字人民币突然开始"生钱"了。 不是错觉，也不是营销活动，而是央行白纸黑字的新规：数字人 民币钱包里的余额，自动按年化0.05%计息。 钱躺在手机里，每天都能赚回几分钱。 但这区区0.05%的背后，是一场静悄悄却足以颠覆我们钱包的金融革命。 它意味着，你用了好几年的那个"电子零钱包"，从这一天起，在法律和金融意义上，变成了一本真正的"银行存折"。 过去，数字人民币是央行发行的"数字现金"，属于M0范畴。 它安全、纯粹，像你口袋里的纸币一样不计利息，丢了也没人 赔。 但从2026年元旦开始，一切都变了。 根据中国人民银行的《行动方案》，你在商业银行实名钱包里的数字人民币，性质发生了根本转变。 它从央行的负债，变成 了开户银行的负债。 用大白话讲，以前是"央行印的电子钞，请银行帮忙保管"，现在是"银行欠你的存款，央行负责监督"。 这一跃迁，让数字人 民币从只能用于支付的"现金"，升级为具备完整储蓄功能的"存款货币"。 最直观的变化，就是钱包里的钱开始自动增值。 工商银行、农业银行、中国银行、建设银行、交通银行、邮储银行、招商银 行、兴业银行、网商银行和微众银行，这10家运营机构集体官 ...

前十大沽空偏离值排行 | 股票名称 | 沽空金额 | 沽空比率 | 偏离值↓ | | --- | --- | --- | --- | | 腾讯控股-R(80700) | 718.87 万元 | 95.69% | 46.66% | | 北控水务集团(00371) | 2003.99 万元 | 51.14% | 40.88% | | 中粮家佳康(01610) | 651.78 万元 | 49.54% | 40.50% | | 百奥赛图-B(02315) | 382.66 万元 | 40.57% | 38.35% | | 巨子生物(02367) | 1733.60 万元 | 51.28% | 38.24% | | 北京汽车(01958) | 487.93 万元 | 57.02% | 37.52% | | 小米集团-WR(81810) | 352.03 万元 | 81.53% | 37.28% | | 先声药业(02096) | 610.97 万元 | 49.63% | 37.17% | | 德康农牧(02419) | 559.96 万元 | 47.79% | 36.28% | | 江南布衣(03306) | 602 ...

品牌金店的零售价格形成了第三个价格层次。 周大福和周生生的足金999首饰，2月21日的零售价都是 1560元每克。 老凤祥报价1556元每克，周大生1550元每克，金至尊相对较低，报价1480元每克。 深圳 水贝批发市场的黄金价格又是另一个体系，那里的足金999报价在1300元每克左右，工费需要另外计 算，不同款式的工费在每克10元到35元之间。 2026年2月21日，正月初五迎财神的日子，全球黄金市场发生了一件让人看不懂的事情。 国际金价像坐 火箭一样冲上了5100美元，单日暴涨超过117美元，涨幅达到2.35%。 可你打开国内的金价一看，黄金T D报价1108.5元每克，不仅没涨，反而还下跌了1.47%。 更奇怪的是，周大福、周生生这些金店里的黄 金首饰，标价已经达到了1560元每克。 一克黄金，在国际市场、国内投资市场和金店零售市场，出现 了三种完全不同的价格。 伦敦金现的最新报价是5104.24美元每盎司，这个价格已经稳稳站在了5100美元关口之上。 纽约 COMEX黄金期货价格更高，达到了5122.80美元每盎司。 国际白银价格也跟着暴涨，现货白银报价 84.6396美元每盎司，单日涨幅7.81%。 ...

Core Viewpoint - The article highlights the significant cash dividends offered by major Chinese banks, positioning them as reliable investment options compared to traditional financial products in a volatile market [2][10]. Dividend Overview - In 2024, the total dividends from China's six major state-owned banks are expected to exceed 420 billion yuan, accounting for 78% of the entire banking sector's dividends [6]. - Industrial and Commercial Bank of China (ICBC) leads with a total dividend payout of 109.8 billion yuan, followed by China Construction Bank (CCB) with nearly 100 billion yuan [6]. - Agricultural Bank of China (ABC) and Bank of China (BOC) each exceed 60 billion yuan in annual dividends, showcasing strong performance [6]. Dividend Policy and Stability - The China Securities Regulatory Commission encourages cash dividends, with state-owned banks maintaining a dividend payout ratio of over 30% [9]. - Some joint-stock banks, like China Merchants Bank, have even higher payout ratios exceeding 35% [9]. - The introduction of mid-year dividends alongside annual dividends effectively doubles the cash flow for investors [9]. Yield Comparison - The average dividend yield for major state-owned banks ranges from 4.2% to 5.8% in A-shares, with Hong Kong shares reaching around 7% [9]. - Agricultural Bank of China boasts an average dividend yield of 6.41% over the past five years, significantly outperforming the current one-year fixed deposit rate of approximately 1.5% [9]. Investment Characteristics - Bank stocks are characterized by consistent dividends, making them suitable for conservative investors and long-term holdings [10]. - The article emphasizes that bank stocks are not about capital gains but rather about stable cash flow and dividends, providing a sense of security for investors [10]. - The low volatility of bank stocks makes them ideal for retirement planning and managing family savings [10].

从2月14日到2月23日，整整十天，上海黄金交易所和国内的黄金期货市场都处于休市状态。 你在2月21 日看到的那个1108.5元，并不是当天的实时成交价，而是节前最后一个交易日，也就是2月13日的收盘 价格。 它是一个静止的"时间切片"。 因为国内市场没有交易，所以这个价格不会变动，它只是静静地 挂在那里。 而国际黄金市场可没有春节假期，交易照常进行，价格随着全球资金的进出而剧烈波动。 2026年2月21日，一个看似普通的星期六，国内黄金市场的价格牌却像被按下了暂停键，定格在1108.5 元每克。 而在大洋彼岸，国际黄金市场正上演着另一番景象：伦敦现货黄金价格强势突破每盎司5100 美元，一天之内就暴涨了超过117美元。 一边是静止的"冰封"价格，一边是火热的"狂飙"行情，这中间 巨大的反差，全都因为一个原因——春节假期。 这就造成了一个奇特的现象：同一个世界，同一种黄金，在同一天出现了两种截然不同的价格轨迹。 更具体地说，按照当前的汇率折算，国际金价每盎司5100美元大约相当于国内原料金价格每克1130元以 上。 这与国内市场上显示的1108.5元每克，存在着超过22元每克的价差。 这个价差，就像一根被压紧 ...

一、 今日金店足金999（千足金）售价一览 2026年2月20日，国内黄金市场经历了一次显著的调整。受国际金价跳水的影响，国内金价昨日的涨势戛然而止，每克下跌约17元，零售金饰的价格也随之 下调。 今日，各大品牌金店的足金饰品价格普遍落在一千二百八十四元至一千五百一十八元人民币每克之间。同时，银行销售的投资金条价格也围绕在一千一百二 十二元人民币每克附近波动。如果您希望第一时间掌握最新的黄金售价及市场波动逻辑，以下将为您全面梳理金店足金999（千足金）、基础金价、投资金 条以及回收价格。 今日黄金市场呈现出"高位回调"的鲜明特征。批发价格更为低廉，而品牌终端则保持着一定的溢价。 水贝黄金： 1284元/克（作为全国价格洼地，此处工费及渠道成本相对较低）。 周大福： 1499元/克。 老庙黄金： 1499元/克。 周大生： 1499元/克。 中国黄金： 1505元/克。 菜百首饰： 1505元/克。 二、 国内基础金价（人民币金）走势分析 2月20日，人民币黄金的最新报价约为1108.50元/克，较前一日下跌14.42元/克，跌幅约为1.284%。当日的交易区间大致在1084.50元/克至1126.51元/克之 ...

2026马年开年，中国楼市迎来了一场足以改写行业逻辑的重磅变革——不同于以往降息、限购放松等常 规操作，官方牵头、国企主导，开始批量收购城市"老破小"，从上海浦东、静安、徐汇三区率先试点， 到重庆、长沙、杭州、济南等城市火速跟进，一场覆盖全国的存量房收储行动全面铺开。这一举措看似 是针对小众房源的"精准托底"，实则是房地产调控思路的战略级转向，释放出清晰而强烈的信号：中国 楼市正式告别增量扩张的旧时代，迈入存量盘活、民生优先、稳健发展的新阶段，马年或将成为中国房 地产转型的"分水岭"。 要读懂这场官方收购行动的深意，首先要认清马年楼市面临的核心困境。过去多年，"老破小"一直是二 手房市场的"流动性死角"，这类房龄普遍在20年以上、户型狭小、设施老旧、管线老化、停车困难的房 源，不仅居住体验差，更面临银行放贷谨慎甚至拒贷的尴尬，在市场下行期更是无人问津，挂牌周期动 辄半年以上，成为业主手中"卖不掉、住不好、拆不了"的鸡肋资产。更值得警惕的是，老破小大多占据 城市核心地段，其流动性枯竭直接拖累片区房产估值，引发业主恐慌性降价，进而传导至整个二手房市 场，形成"降价—观望—再降价"的负向循环，成为楼市稳定的最大隐患 ...

Core Viewpoint - The international gold price has reached a high of $5098 per ounce, with domestic retail prices for gold jewelry also rising significantly, indicating potential volatility in the gold market post-Chinese New Year [1][3]. Group 1: Gold Price Movements - On February 21, 2026, the London spot gold price was $5098.85 per ounce, an increase of $103 from the previous day, marking a rise of over 2% [3]. - The COMEX gold futures price reached $5130 per ounce, indicating strong demand in the futures market [3]. - Domestic gold prices at major retailers like Chow Tai Fook and Chow Sang Sang ranged from 1499 to 1533 yuan per gram, reflecting significant brand premiums and craftsmanship costs [3]. Group 2: Influencing Factors on Gold Prices - The first driving force behind the high gold prices is the divergence in the U.S. Federal Reserve's monetary policy, with discussions around potential interest rate cuts or hikes, impacting market expectations [6]. - Global central banks have maintained a trend of net gold purchases for 16 consecutive years, with 95% of central banks expecting to increase their gold holdings in the coming year, the highest level in nearly a decade [9]. - The ongoing geopolitical tensions in the Middle East, particularly between the U.S. and Iran, have contributed to market uncertainty and increased demand for gold as a safe-haven asset [11][12]. Group 3: Domestic Gold Market Dynamics - The demand for gold jewelry remains strong during the Chinese New Year, driven by wedding needs, gift-giving, and concerns over value retention, leading to a surge in consumer purchases [16]. - Retailers are employing various strategies to attract consumers, such as discounts on craftsmanship fees and promotional offers, to counteract the impact of high gold prices on sales [17]. - The gold recycling market is emerging, with new stores opening in urban areas, allowing consumers to exchange old gold for new items without worrying about price fluctuations [19].

Core Viewpoint - The competition among banks to attract children's "lucky money" during the Spring Festival has intensified, with various financial products and services being launched to convert this influx of funds into long-term customer assets [1][5]. Group 1: Product Offerings - Banks are focusing on three main types of products related to "lucky money": exclusive savings or card accounts for minors, short-term fixed deposits with enhanced interest rates or incentives, and "managed" funds linked to parent accounts for comprehensive family asset management [1][3]. - Examples include Guangfa Bank's "Free Card" which allows for independent accounts for children, and China Merchants Bank's "Golden Little Aui Housekeeper Service" that includes features for managing children's bank cards and educational accounts [1][2]. Group 2: Interest Rates and Terms - China Merchants Bank offers a one-year deposit annualized interest rate of 1.3% and a two-year rate of 1.4%, both higher than standard rates. Beijing Rural Commercial Bank's "Sunshine Baby Card" has rates of 1.5%, 1.6%, and 1.75% for one, two, and three-year terms, respectively [2]. - Zhejiang Jiaxing Pinghu Rural Commercial Bank's "Children's Savings Book" requires a minimum deposit of 10,000 yuan, with one-year and three-year rates at 1.5% and 1.65% [2]. Group 3: Strategic Focus - Banks emphasize that these products are not merely aimed at short-term deposit growth but are part of a strategy to engage with customers over their lifecycle, fostering savings habits and financial literacy among children [3]. - The influx of "lucky money" is seen as a low-cost funding source and a way to attract young families, with potential for cross-selling in areas like education funds and insurance [3][5]. Group 4: Regulatory Considerations - The design of products targeting "lucky money" must balance compliance with long-term value, as regulations govern account management, risk warnings, and fund usage permissions for minors [4]. - Banks must ensure that marketing does not undermine trust in their professionalism, maintaining a balance between helping parents manage money and establishing rules for children [4]. Group 5: Market Trends - The focus on "lucky money" reflects a broader trend in retail finance from simply "grabbing deposits" to "grabbing relationships" and "long-term customers," indicating a shift in the industry [5].

上海融资租赁资产流转中心线上服务平台近日在临港新片区正式启动。据记者了解，该平台由临港新片 区管委会与上海交易集团共建。融资租赁作为支撑产业升级和赋能科技创新的重要业态，也是临港新片 区金融开放及制度创新的重要抓手。启动仪式上，浦银金租、海通恒信、长江联合金租、申能租赁、工 商银行、农业银行、中国银行、建设银行、交通银行、浦发银行、渤海银行、华夏银行、上海银行、上 海农商行等一批重点项目完成签约。为进一步深化协同合作、完善平台功能，临港新片区管委会当天还 与上海交易集团签署战略合作协议。 (智通财经) ...