央广网北京2月7日消息（总台中国之声记者周益帆）据中央广播电视总台中国之声《新闻纵横》报道，良好的个人征信是现代社会经济生活的"通行 证"。一个多月前，中国人民银行征信中心为特定的小额逾期人群开辟了一条官方的"信用修复通道"：对于单笔金额不超过1万元的个人逾期信息，在满足特 定条件并还清欠款后，将不再进行展示。本来是帮助部分逾期人群重建信用的政策，却被一些不法分子盯上，成为敛财、诈骗的噱头。 近期，网络平台上涌现出大量打着"征信修复""征信洗白"旗号的中介，他们声称不仅能处理万元以下的小额逾期，更能修复"超过1万元的逾期记录"。 记者调查发现，这背后可能隐藏着一条从虚假宣传、伪造证据到恶意申诉的灰色产业链。 记者发现，这些号称可以修复万元以上逾期记录的商家，大多是靠违规利用征信异议申诉政策来实现目的（相关截图） 在各类社交平台和二手交易网站上，不少中介、商家开始把目光对准了1万元以上的逾期记录——"逾期不可怕，专业团队帮你销户""征信异议申诉，百 分百成功"，类似的广告语比比皆是，这些商家自称能够利用所谓的"规则漏洞"消除不良征信记录。 有不少商家打着"法律咨询"的幌子诱导消费者添加征信修复业务人员（相关截图 ...

"只需缴纳一点服务费，就能帮你'征信洗白'，彻底清除大额逾期记录""欠银行的钱可申请'债务清零'"……打开短视频平台，此类极具诱惑力的宣传随处可 见，直播间里，所谓"维权专家""专业律师"滔滔不绝传授"维权技巧"，诱导金融消费者委托"代理维权"层出不穷。 2月6日，金融监管总局、中央网信办、公安部、中国人民银行、中国证监会发布风险提示，直指此类不法"代理维权"短视频及直播陷阱，明确其以"依法维 权"之名行"非法牟利"之实，严重扰乱金融市场秩序、侵害金融消费者合法权益。风险提示发布后，有平台相关治理负责人向北京商报记者表示，未来会持 续迭代治理策略，加强相关违规内容的管控。 对金融消费者而言，也要认清合法维权渠道，警惕不法"代理维权"陷阱，共同守护清朗金融环境。 "代理维权"迷惑性升级 五部门在风险提示中明确，不法"代理维权"的核心乱象集中在短视频、直播等自媒体平台，主要通过编造虚假信息、伪装专业身份等方式诱导受众，收取高 额咨询费、服务费。 譬如，谎称"监管部门出新政"。此类短视频、直播以监管部门强化监管、出台监管新规为名，以"全额退保""债务回收清零""债务置换""免费代看征信"等为 噱头，散布"退保新政" ...

Group 1 - The core viewpoint of the article highlights the rising trend of year-end bonus investment as the 2026 Spring Festival approaches, with popular choices including large time deposits, stable funds, and gold products [1] Group 2 - The demand for investment products is driven by banks competing in the "year-end bonus investment" market, with institutions like Bank of Communications, Postal Savings Bank, and China Merchants Bank offering one-stop services for deposits, funds, and insurance [2] - Current interest rates for one-year deposits at state-owned banks have dropped to 1.75%, while large time deposit rates range from 2% to 3%, prompting investors to seek higher returns through diversified investments [3] Group 3 - Three types of investment strategies are suggested for different demographics: - Conservative strategy for low to middle-income earners includes setting aside emergency funds in money market funds and investing in government bonds for medium-term goals [4][5] - Balanced strategy for middle-class families involves allocating funds to long-term government bonds, stable financial products, and maintaining liquidity through money market funds [8] - Aggressive strategy for high-net-worth individuals focuses on low-volatility bank products or gold ETFs, along with thematic funds for potential excess returns [8][9] Group 4 - The article warns against potential risks associated with year-end bonus investments, including scams promising high returns, liquidity mismatches, and the dangers of following investment trends without proper analysis [13] - Practical advice includes managing funds through separate accounts, utilizing tax benefits from personal pension accounts, and adhering to a disciplined saving approach [14][15]

Group 1 - The event offers a discount of 6 yuan for the first binding of Postal Savings Bank credit cards on the Ctrip Travel app [1] - The event runs from January 19, 2026, to December 31, 2026, and is available to eligible credit card holders [1] - Each customer can only enjoy the discount once during the event period, and the actual payment must exceed 6.01 yuan [1] Group 2 - A minimum of 200 discounts will be available each day, and the offer is limited until the quota is exhausted [1] - Eligible customers must have no payment records on Ctrip platforms since June 1, 2016, for the card being used [1] - If a customer has multiple eligible credit cards, only one card can be used for the promotion [1]

Core Viewpoint - The recent change in the major shareholder of China Mobile Payment Co., Ltd. (China Mobile Payment) reflects a strategic restructuring rather than a true ownership change, as the ultimate controller remains unchanged [1][2]. Group 1: Company Changes - The People's Bank of China approved the change of major shareholder of China Mobile Payment from China Mobile Communications Co., Ltd. to China Mobile Financial Technology Co., Ltd., with the latter still being owned by China Mobile Communications [1]. - This adjustment is seen as a strategic elevation and governance restructuring in response to regulatory guidance for the payment industry [1]. Group 2: Industry Trends - The change in shareholders is indicative of a broader structural reshuffle within the payment industry, driven by stricter regulations and the need for transformation [2]. - The implementation of the "Non-bank Payment Institutions Supervision and Management Regulations" on May 1, 2024, is expected to lead to significant adjustments in the payment sector, with many institutions updating their licenses and operational structures [2]. - Predictions for 2026 indicate that the payment industry will enter a "deep water zone," characterized by intensified competition, regulatory improvements, and a shift towards digital services beyond mere payment processing [3]. - Key trends expected in the payment industry include the exit of non-compliant institutions, a focus on "payment+" digital services, and the integration of AI technology as a core competitive advantage [3].

Core Viewpoint - The recent focus on the "opening red" credit issuance by listed banks indicates a proactive approach to secure market share and optimize credit resource allocation in 2026, the first year of the 14th Five-Year Plan [1][2][3] Group 1: Credit Issuance Trends - Nearly one-third of the listed banks responding to institutional surveys reported a strong start to credit issuance in 2026, with expectations for January's credit issuance to exceed 5 trillion yuan [1][2] - The overall credit issuance in January 2026 is projected to be around 5.2 trillion yuan, accounting for 32% of the annual loan total, reflecting a slight increase compared to 2025 [2] - Analysts predict that the total social financing in January 2026 will be approximately 5.5 to 5.6 trillion yuan, with a year-on-year increase of about 300 billion yuan [3] Group 2: Structural Optimization of Credit Resources - The structure of credit resource allocation is expected to show significant optimization, with a focus on public loans supporting the "opening red" initiative, particularly in technology innovation and green finance [5][6] - Banks are increasingly directing credit resources towards key areas such as technology innovation, green development, and inclusive finance, with public loans being the mainstay of credit growth [5][6] - The People's Bank of China is guiding funds towards supporting agriculture, small and micro enterprises, and private sectors through structural tools like lower re-lending and rediscount rates [5][6] Group 3: Business Model and Strategy Changes - The 2026 "opening red" period is characterized by new business model trends, including enhanced cooperation between banks and local governments, cross-regional collaboration, and innovative financial products tailored for small and micro enterprises [7][8] - Banks are focusing on the "Five Major Articles" of finance, with an emphasis on public finance, digital finance, and green finance, while also introducing new indicators for digital finance in their assessments [8] - The competitive landscape is intensifying, with banks adopting a more cautious approach to project selection and risk management, emphasizing quality over sheer volume in credit issuance [8][9]

本次活动邀请了北京市委金融办、中央国债登记结算有限责任公司等单位代表，以及金融机构、企业代 表参与，围绕金融如何支持科技创新、绿色转型与产业升级等议题展开探讨。 据了解，该基金为国内首只同时聚焦科技创新与绿色发展的债券指数基金，旨在通过指数化投资方式， 为投资者提供相关债券资产的配置工具。产品由富达基金、邮储银行及中央结算公司共同推动落地。中 央结算公司负责编制主题债券指数，邮储银行发挥渠道与生态协同优势，富达基金则提供资产配置方案 设计与产品管理。 新华财经北京2月6日电日前，中国邮政储蓄银行与富达基金管理（中国）有限公司在京联合举办"科创 +绿色"双主题基金产品发布暨金融服务新质生产力研讨会。国内首只"科创+绿色"双主题债券指数基金 ——富达中债高等级科技创新及绿色债券指数证券投资基金于会上正式宣布成立。 与会代表认为，在"十五五"规划步入开局之年的背景下，科技创新与绿色低碳领域已成为金融服务实体 经济的关键方向。银行、理财子公司、资产管理机构及科创企业应加强协同，引导中长期资金流向相关 领域，推动形成"科技—产业—金融"良性循环。 后续，随着该基金的落地，更多市场参与者有望通过产品创新与机制优化，引导更 ...

Core Viewpoint - The banking industry is tightening cost control measures by increasing the threshold for transaction notification SMS services, with some banks raising the limit to 5000 yuan, marking the beginning of a paid SMS notification era for small transactions [1][2]. Group 1: Changes in SMS Notification Services - Multiple banks, including China Merchants Bank, have announced adjustments to their SMS notification services, with a new threshold of 5000 yuan for free notifications, which is among the highest in the industry [2][3]. - Other banks, such as Minsheng Bank and Bank of China, have also raised their SMS notification thresholds to 300 yuan and 100 yuan respectively, indicating a trend across the banking sector [3][4]. - The adjustments reflect a broader movement among banks to manage operational costs more effectively, particularly in light of the expenses associated with SMS notifications [6][13]. Group 2: Cost Savings and Digital Transition - Banks are expected to save significant costs by reducing the number of SMS notifications sent, as each message incurs a fee from telecom operators [6][9]. - The average cost for SMS services varies, with larger banks typically securing lower rates due to their scale, while smaller banks face higher costs [8][9]. - The shift towards digital notification methods, such as mobile banking apps and WeChat services, is becoming more prevalent, reducing reliance on traditional SMS notifications [12][14]. Group 3: Financial Implications - The banking sector's net interest margin remains stable at 1.42%, with expectations of continued optimization in asset-liability structures and a gradual decline in interest margins [14][15]. - The cost structure for SMS notifications suggests that charging customers around 3 yuan per month can cover operational costs, especially if the average customer receives fewer than 100 notifications monthly [11][10].

2月6日金融一线消息，中国人民银行大兴安岭地区分行行政处罚决定信息公示表显示，中国邮政储蓄银 行股份有限公司大兴安岭地区分行因存在超过期限或未向人民银行报送账户开立、变更、撤销等资料的 违法行为；未按规定开展客户尽职调查，受到警告，并被罚款3.2346 万元。 | | 当事人名称 | 行政处罚决 | | | | 作出行政处罚 作出行政处罚 | 公示期限 (自公示 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 序号 | | | 违法行为类型 | 行政处罚内容 | | | | 备注 | | | (姓名: 职务) | 定书文号 | | | 决定机关各称 | 决定日期 | 之日起计 | | | | | | 五米留度疑左翼出传 | | | | 算) | | | | 中国邮政管管银行 | | 人民银行报送账户开 | | 中国人民银行 | | | | | | 股份有限公司大兴 | 什么区都省 | 立、变更、搬到等资料 | 零合,并处 | 大兴安地地区 | 2026年2月2日 | 一年 | | | | | 〔2026〕1 号 | | 3.2346 ...

Core Insights - Postal Savings Bank of China Shenyang Branch actively supports local enterprises by utilizing bill discounting services to lower financing costs and enhance financial services for the real economy [1][2] - The bank's bill discounting service allows enterprises to obtain liquidity by applying for early payment on unexpired commercial bills, which is crucial for sectors like pharmaceuticals and manufacturing [1] Group 1: Financial Support for Key Industries - The bank has tailored its bill discounting services to meet the specific needs of large pharmaceutical companies, providing a dedicated service team and a specialized financing plan that has facilitated over 4 billion yuan in discounts since last year [1] - For small and medium-sized manufacturing enterprises, the bank has simplified the bill discounting process to alleviate cash flow pressures, enabling more flexible fund allocation for technology upgrades and production expansion [1] Group 2: Commitment to Service Excellence - The Shenyang Branch is committed to continuously optimizing financing service processes to enhance efficiency and customer experience, contributing to the high-quality development of the local economy [2]