计息机制落地，数字人民币实现了从"数字现金"到"数字存款"的跨越；数字资产价值凸显的同时，为数 字经济时代的货币体系重构，勾勒出清晰的中国路径 文｜《财经》记者 唐郡 编辑 | 张威 袁满 "数字人民币有利息了。"李女士在数字人民币App方寸之间，所看到的0.05%利息，却是数字人民币的 历史性记录。 在全球金融数字化转型与货币形态重构的博弈关键期，中国法定数字货币迎来里程碑式突破。 2026年1月1日，数字人民币计息机制正式落地，标志着中国版央行数字货币完成从"数字现金"到"数字 存款"的质变，以制度创新开启2.0时代新征程。 这一变革的背后，是顶层设计的精准谋篇。2025年12月29日，中国人民银行（下称"央行"）党委委员、 副行长陆磊在《金融时报》发表署名文章，明确《关于进一步加强数字人民币管理服务体系和相关金融 基础设施建设的行动方案》（下称《行动方案》）于2026年1月1日正式实施。 新一代计量框架、管理体系、运行机制与生态体系同步启动，为数字人民币的功能升级筑牢制度根基。 《行动方案》的核心突破，在于重塑数字人民币的价值属性。方案明确银行机构需为客户实名数字人民 币钱包余额计付利息，并遵守存款利率 ...

Group 1 - The core viewpoint of the news is that the state-owned large bank sector experienced an increase of 0.73% on February 4, with Postal Savings Bank leading the gains [1] - The Shanghai Composite Index closed at 4102.2, up 0.85%, while the Shenzhen Component Index closed at 14156.27, up 0.21% [1] - The main capital flow into the state-owned large bank sector was a net inflow of 399 million yuan, while retail investors saw a net outflow of 40.88 million yuan [1] Group 2 - Postal Savings Bank's stock closed at 5.11 yuan, with a rise of 1.59% and a trading volume of 1.8883 million shares, amounting to a transaction value of 959 million yuan [1] - China Bank's stock closed at 5.35 yuan, increasing by 1.33% with a trading volume of 2.7248 million shares, resulting in a transaction value of 1.455 billion yuan [1] - Agricultural Bank's stock closed at 6.67 yuan, with a slight increase of 0.15% and a trading volume of 3.0656 million shares, leading to a transaction value of 2.041 billion yuan [1] Group 3 - The main capital inflow for China Bank was 114 million yuan, accounting for 7.80% of the total, while retail investors had a net outflow of 32.22 million yuan [2] - Postal Savings Bank saw a main capital inflow of 90.38 million yuan, representing 9.42%, with retail investors experiencing a net outflow of 9.39 million yuan [2] - Construction Bank had a net capital outflow of 12.60 million yuan from main capital, while retail investors had a net inflow of 25.48 million yuan [2]

本月底法定/註冊股本總額： RMB 120,095,053,492 FF301 2. 股份分類 普通股 股份類別 A 於香港聯交所上市 (註1) 否 證券代號 (如上市) 601658 說明 A股(上海證券交易所) 法定/註冊股份數目 面值 法定/註冊股本 上月底結存 100,238,886,492 RMB 1 RMB 100,238,886,492 增加 / 減少 (-) RMB 本月底結存 100,238,886,492 RMB 1 RMB 100,238,886,492 1. 股份分類 普通股 股份類別 H 於香港聯交所上市 (註1) 是 證券代號 (如上市) 01658 說明 H股 法定/註冊股份數目 面值 法定/註冊股本 上月底結存 19,856,167,000 RMB 1 RMB 19,856,167,000 增加 / 減少 (-) RMB 本月底結存 19,856,167,000 RMB 1 RMB 19,856,167,000 截至月份: 2026年1月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 中國郵政儲蓄銀行股份有限公司 呈交日期: 2026年2月4日 I. 法定/註 ...

Group 1 - The core point of the article is the significant personnel adjustment at the Bank of Communications, with He Bo, the current Deputy General Manager of the Zhejiang Branch, set to take over as the General Manager of the Credit Card Center, pending regulatory approval [2][3] - He Bo has extensive experience in personal financial management and branch operations within the Bank of Communications, having previously held positions such as Senior Manager and Deputy General Manager in the Personal Financial Business Department [3] - The previous General Manager of the Credit Card Center, Han Dong, has been appointed as the President of the Ningbo Branch, with his qualifications officially approved by the Ningbo Financial Regulatory Bureau [3][5] Group 2 - The credit card business is a core segment of the Bank of Communications' retail finance, with a reported credit card overdraft balance of 532.58 billion yuan and a card issuance exceeding 60.1 million as of the latest half-year report [7] - The bank's 2026 work conference outlined strategic goals focusing on cost reduction, quality improvement, and digital empowerment, which align with the transformation needs of the credit card business [9] - The industry is experiencing a shift from scale expansion to value cultivation, with banks focusing on optimizing operations and enhancing customer-centric strategies, as highlighted by recent trends in the credit card sector [10]

近日，全球黄金市场迎来剧烈波动，国际现货金价在短短数日内经历了从历史高位跳水至强势反弹的"过山车"走势，国内金价同步联动震荡，引发投资者广 泛关注。多家机构及业内人士表示，短期政策预期扰动与资金获利了结放大了价格波动，而中长期支撑金价的核心逻辑未发生根本性改变。 据悉，此次金价波动始于1月下旬的强势冲高。1月29日，伦敦金现最高逼近每盎司5600美元关口，创下阶段性新高，国内黄金T+D价格同步攀升，金店零售 金价一度突破1500元/克。然而，强势上涨后随即迎来史诗级回调，1月30日伦敦金现单日跌幅近一成，2月2日更是跌破4500美元/盎司，国内黄金T+D价格也 随之回落，部分投资者遭遇短期浮亏，不少网友在社交平台感慨"短短几天坐了一趟过山车"，有投资者表示，前期浮赢大幅缩水后，为保本选择及时离场， 最终仅获得微薄收益。 业内专家提醒广大投资者，黄金的核心角色应是家庭资产配置中的"压舱石"和"保险单"，主要功能是对冲极端风险、平抑资产组合波动，而非"一夜暴富"的 投机工具。他建议，普通投资者可采用"定期定额积存"的方式参与黄金投资，克服"追涨杀跌"的人性弱点，长期平滑持有成本，同时需密切关注美联储政策 动向、美 ...

Core Viewpoint - The banking sector is experiencing a strong performance, with significant increases in stock prices and positive sentiment regarding credit issuance during the marketing peak season [1] Group 1: Market Performance - The China Securities Bank Index (399986) rose by 1.09%, with notable increases in individual bank stocks such as Ningbo Bank (002142) up by 3.16%, Xiamen Bank (601187) up by 2.72%, and Qingdao Bank (002948) up by 2.05% [1] - The Bank ETF Huaxia (515020) increased by 0.92%, with the latest price reported at 1.65 yuan [1] Group 2: Credit Issuance and Marketing Season - The current period is identified as the marketing peak season for banks, with institutions actively researching the credit issuance situation during this time [1] - Several banks reported that credit issuance during the marketing peak is better than the same period in 2025, indicating a positive trend in corporate credit issuance [1] Group 3: Asset Quality and Net Interest Margin - Institutions are focusing on banks' asset allocation and liability costs, with net interest margin being a key indicator of the banking sector's operational status [1] - Banks indicated that asset quality is expected to remain stable in 2026 through measures such as improving the quality of new loans and increasing the disposal of non-performing loans [1] - A researcher from Postal Savings Bank (601658) noted that improvements in liability costs will support a slowdown in the pressure on net interest margins for listed banks in 2026, suggesting a potential stabilization in the industry [1]

广州银行在公告中表示，广州银行信用卡中心佛山、东莞、中山、惠州、珠海、江门、深圳分中心终止 营业后，信用卡服务（包括信用卡申请、激活、额度调整、账单查询、分期办理、 还款等）将由广州 银行统一管理。 广州银行信用卡业务后续如何调整？对此，《华夏时报》记者于2月3日致电该行披露电话，并同步致函 披露邮箱进行采访，但截至发稿前未获回复。 本报（chinatimes.net.cn）记者李明会 北京报道 信用卡退潮持续蔓延。 近日，广州银行发布的一份临时信息披露公告显示，根据该行战略调整，经国家金融监督管理总局各派 出机构批准，广州银行信用卡中心佛山、东莞、中山、惠州、珠海、江门、 深圳七家信用卡分中心终 止营业及金融许可证注销。 根据广州银行2024年财报，该行共有7家信用卡分中心，也就是说，广州银行信用卡分中心全面关停。 Wind数据显示，2025年以来，全国已有超60家信用卡分中心关停，部分银行机构加速布局调整。 中国邮政储蓄银行研究员娄飞鹏对《华夏时报》记者表示，信用卡分中心关停后，业务逐步由总行集中 运营转向属地分行承接，信用卡服务深度融入零售综合金融体系。同时，银行强化线上渠道与AI技术 应用提升服务效率 ...

Core Viewpoint - The banking industry is focusing on supporting the real economy through strategic transformation and risk management, with a clear emphasis on high-quality development and service to key sectors [1][3][8]. Group 1: Performance of Listed Banks - Several A-share listed banks, including China Merchants Bank, CITIC Bank, and Shanghai Pudong Development Bank, have reported significant growth in both operating income and net profit for 2025, indicating a recovery in profitability [2]. - CITIC Bank and Shanghai Pudong Development Bank have both entered the "10 trillion yuan club," with total assets of 10.13 trillion yuan and 10.08 trillion yuan respectively, marking growth rates of 6.28% and 6.55% year-on-year [2]. - The overall trend for joint-stock banks in 2025 is characterized by stable scale, optimized structure, risk control, and improved efficiency, showcasing strong resilience against economic cycles [2]. Group 2: Strategic Focus on Real Economy - The banking sector is shifting from "scale expansion" to "high-quality development," with a focus on precise strategies to support the real economy and address cyclical fluctuations [3][6]. - Major state-owned banks have emphasized the importance of serving the real economy in their 2026 operational plans, aligning their actions with national strategic directives [4]. - Agricultural Bank of China is prioritizing support for rural revitalization, while Bank of China aims to enhance its global capabilities and services [4]. Group 3: Digital Transformation and Innovation - Digital transformation is becoming a key support for banks to enhance their service efficiency to the real economy, with initiatives like "AI+" being implemented to innovate service models and improve decision-making [5]. - Postal Savings Bank is pursuing a comprehensive upgrade strategy focusing on digitalization and value-driven growth, aiming for high-quality development [5]. Group 4: Financial Resource Allocation - The banking industry is actively channeling more financial resources into key areas such as expanding domestic demand, technological innovation, and supporting small and micro enterprises [6][8]. - Banks are adjusting their strategic layouts to focus on the "five major financial articles," enhancing the precision and effectiveness of their services to the real economy [6]. - Notable growth in technology finance loans has been reported, with Hangzhou Bank and Nanjing Bank showing increases of 23.44% and 19.49% respectively [6][7]. Group 5: Regional and Sectoral Support - Banks are increasingly focusing on regional development and industrial upgrades, with initiatives to strengthen local financial services and support manufacturing sector transformations [7]. - The emphasis on supporting small and micro enterprises has led to significant growth in inclusive finance loans, with Hangzhou Bank and Nanjing Bank reporting increases of 17.06% and 17.46% respectively [7]. - The banking sector is aligning its services with national strategies in areas such as technological innovation, green development, and rural revitalization [8].

21世纪经济报道记者 唐婧 邮储银行（601658）App亦开设年终奖理财专栏，主推3款低风险或中低风险产品，期限设计兼具灵活性——涵盖每日可赎、持 有7天后每日可赎、持有99天后每日可赎三种类型。邮储银行明确，流动性需求高的客户可选择每日快赎产品；追求稳健增值且 短期不用钱的客户，适配持有7天后每日可赎产品；中长期闲置资金则可考虑持有99天后每日可赎产品，通过适度锁定期限换取 更高收益。其中，持有7天后每日可赎产品和持有99天后每日可赎产品成立以来的年化收益率都超过了4%。 年关渐近，职场人期盼已久的年终奖陆续到账。 "马上要发年终奖了，本准备全部用来还房贷，不过如果市场上有比房贷利率更高的投资渠道，我也会考虑。"在北京工作的李 先生告诉21世纪经济报道记者。他向记者出示的贷款详情页面显示，当前年利率为3.2%，即LPR-30BP。 李先生还向记者坦言，近期已留意到手机银行APP密集推出的年终奖理财活动，部分活动颇具吸引力，一些中长期限产品的年 化收益率也较为可观，的确有些动心。 记者梳理发现，多家银行已针对性上线年终奖理财专项服务。其中，交通银行App推出"年终奖好去处，资金打理有'薪'招"专 题，包含了 ...

Core Viewpoint - The A-share market experienced significant declines in various sectors, particularly in metals and banks, with a notable focus on bank stocks as a safe haven amid volatility in precious metals prices [1][3][4]. Group 1: Market Performance - On February 2, A-share non-ferrous metals led the decline with a drop of 7.62%, while steel, chemicals, coal, and oil and gas sectors also fell over 5% [1]. - The Shanghai Composite Index closed down 2.48%, with over 4,600 stocks declining and a trading volume of approximately 2.61 trillion yuan, a decrease of nearly 250 billion yuan from the previous trading day [3][4]. - The banking sector showed resilience, with certain banks like Citic Bank and Shanghai Bank posting gains of 2.64% and 1.62%, respectively, amidst the overall market downturn [4]. Group 2: Bank Sector Analysis - The banking sector has seen a significant correction, with the China Securities Bank Index dropping 6.76% as of January 30, with major banks like Pudong Development Bank and Agricultural Bank of China experiencing declines of 19.29% and 12.5%, respectively [4][5]. - Analysts believe that the peak of fund outflows from the banking sector has passed, with the sector's valuation becoming more attractive, as the median price-to-book (PB) ratio is around 0.57 and the median dividend yield has risen to over 4.5% [5][6]. - Recent reports indicate that passive fund outflows have been a major factor in the banking sector's recent adjustments, but the selling pressure is expected to diminish, allowing for potential recovery in bank stock prices [6][7]. Group 3: Institutional Insights - Institutions are starting to show interest in bank stocks, with reports indicating that active funds had reduced their holdings in bank stocks by 1.3 billion shares by the end of the fourth quarter [7]. - Several regional banks have announced stock buyback plans, which have been positively received by the market, reinforcing confidence in the banking sector's fundamentals [7].