中国经济网北京1月30日讯 昨日，泉果基金发布泉果竞争优势混合型证券投资基金基金合同生效公 告。 | 基金名称 | 泉果竞争优势混合型证券投资基金 | | --- | --- | | 基金简称 | 泉果竞争优势混合 | | 基金主代码 | 026277 | | 基金运作方式 | 契约型开放式 | | 基金合同生效日 | 2026年1月28日 | | 基金管理人名称 | 泉果基金管理有限公司 | | 基金托管人名称 | 上海浦东发展银行股份有限公司 | | 公告依据 | 《中华人民共和国证券投资基金法》、《公开募集证券 | | | 投资基金运作管理办法》、《公开募集证券投资基金信 息披露管理办法》等法律法规规定及《泉果竞争优势混 | | | 合型证券投资基金基金合同》、《泉果竞争优势混合型 | | | 证券投资基金招募说明书》等有关约定 | | 下属分级基金的基金简称 | 泉果竞争优势混合 A 泉果竞争优势混合 C | | 下属分级基金的交易代码 | 026277 026278 | 募集期间净认购金额2,255,915,361.14元，认购资金在募集期间产生的利息789,913.63元，募集份额 合计2,256 ...

Core Viewpoint - Shanghai Pudong Development Bank (SPDB) has been awarded "Best Cross-Border Financial Bank" and "Outstanding Technology Financial Bank" at the 2025 (13th) Comprehensive Bank Evaluation, reflecting its strong performance in cross-border and technology finance sectors [1][3]. Group 1: Awards and Recognition - The annual bank evaluation, organized by Sina Finance, has been held for thirteen years and includes multiple assessment stages such as online voting, third-party research, expert reviews, and comprehensive audits [1][3]. - SPDB's recognition highlights its comprehensive strength and professional competence demonstrated over the past year [1][3]. Group 2: Strategic Initiatives - Since 2025, SPDB has implemented the spirit of the 20th National Congress and subsequent plenary sessions, aligning with Shanghai's municipal government decisions and regulatory requirements [2][3]. - The bank has focused on deepening its financial services in five key areas to support the construction of Shanghai's five centers [2][3]. Group 3: Financial Performance - As of the end of 2025, SPDB's total assets exceeded 10 trillion yuan, increasing by 619.87 billion yuan, a growth of 6.55% from the previous year [4][5]. - The total liabilities reached 9.2573 trillion yuan, up by 540.22 billion yuan, marking a 6.20% increase [4][5]. - The bank reported an operating income of 173.964 billion yuan, a year-on-year increase of 3.216 billion yuan, or 1.88% [4][5]. - The net profit attributable to shareholders was 50.017 billion yuan, reflecting a year-on-year increase of 4.760 billion yuan, or 10.52% [4][5]. Group 4: Future Outlook - SPDB aims to leverage its recent awards to reinforce its commitment to serving the nation and the public, focusing on national strategic deployments and enhancing its digital transformation [2][5]. - The bank plans to optimize financial supply and strengthen risk prevention measures to better serve the real economy and contribute to the construction of a strong financial nation [2][5].

Group 1: Core Insights - The 2025 annual performance reports of 10 listed banks in A-shares show a year-on-year increase in net profit and stable asset growth, with some banks achieving double-digit growth in key sector loan balances [1][2] - The reported banks include four joint-stock banks, five city commercial banks, and one rural commercial bank, all of which have demonstrated revenue and net profit growth [2][3] Group 2: Financial Performance - Among the joint-stock banks, China Merchants Bank leads with a net profit of 150.18 billion yuan, a year-on-year increase of 1.21%, while Shanghai Pudong Development Bank shows a remarkable growth of 10.52% [2][3] - City commercial banks and rural commercial banks also reported revenue and net profit growth, with Ningbo Bank and Nanjing Bank showing significant increases in revenue [2][3] Group 3: Asset Quality and Risk Management - The asset quality of the 10 listed banks remains stable, with non-performing loan ratios ranging from 0.76% to 1.26%, and several banks have seen a decrease in their non-performing loan ratios compared to the previous year [7] - The overall provision coverage ratio has declined for most banks, indicating a strategic release of provisions to support net profit while maintaining a solid risk buffer [7]

Core Viewpoint - The article highlights the growing importance of data asset financing in supporting technology-driven companies in Shaanxi, with a focus on the innovative financial products being developed to address the challenges faced by these companies in monetizing their data assets [1][3]. Group 1: Company Developments - Shaanxi Kunxiang plans to expand its smart parking service market and has successfully secured a data asset pledge loan of 4.95 million yuan from SPD Bank, marking a significant step in utilizing data assets for financing [1]. - The company has developed various intelligent products, including a smart parking client and a city-level static traffic management platform, accumulating substantial parking data resources [1]. - R&D expenditures account for over 60% of the company's total costs, indicating a strong commitment to innovation [1]. Group 2: Financial Innovations - SPD Bank's Xi'an branch has provided loans to 990 technology companies in 2025, reflecting a net increase of 158 companies since the beginning of the year, showcasing the bank's role in supporting tech innovation [3]. - The bank has established a collaborative mechanism involving banks, exchanges, enterprises, and professional institutions to address challenges related to data asset valuation and financing [1][2]. - The bank utilizes blockchain technology to ensure data security during the asset valuation and pledge registration process [2]. Group 3: Regional Financial Initiatives - In 2025, Shaanxi introduced 50 measures to promote technology finance, aiming to support the transformation of technological achievements and address the financing difficulties faced by tech companies [3]. - The Shaanxi Provincial Science and Technology Innovation Fund was established with an initial scale of 10 billion yuan, focusing on strategic emerging industries and future industries [4]. - The fund has already approved investments in 12 sub-funds, with a total commitment of 5.7 billion yuan, indicating strong interest from top investment institutions [4]. Group 4: Overall Financial Growth - By the end of 2025, the balance of technology loans in Shaanxi reached 882.215 billion yuan, reflecting a growth of 12.41%, which is significantly higher than the average growth rate of other loans [5]. - The establishment of AIC pilot funds in the province has led to the launch of 9 funds with a total scale of 8 billion yuan, supporting small and micro technology companies [5].

1月29日，2026年省级重点工程及重点民间投资项目融资推介会在太原举行。我省今年推出629项省级重 点工程，总投资超2.4万亿元。多家金融机构推出专项融资方案，15个重点项目现场签署融资意向书。 来源：太原日报 重点工程是高质量发展的"硬支撑"，我省今年推出629项省级重点工程，总投资超2.4万亿元，年度计划 投资2829.3亿元。这些项目既有支撑长远发展的打基础工程，也有贴近群众需求的惠民生项目，更有引 领产业升级的高质量载体。在推介会上，5家企业介绍了抗癌新药研发、光存储生态等科创绿色项目。 国家开发银行、工商银行、中国银行、浦发银行、山西银行推出专项融资方案，助力重点工程落地生 效。金融机构与15个重点项目签署融资意向书，意向金额超230亿元，涉及交通、能源、环保、文旅等 领域。 本次推介会由省发展改革委、省地方金融管理局、省民营经济发展局联合主办。省发展改革委今年将以 更大力度、更实举措推动重大项目建设和民间投资增长。省地方金融管理局将持续优化金融生态，常态 化搭建对接平台。省民营经济发展局推介41个民间投资项目，融资需求165亿元。（何宝国） ...

2026年1月29日，国际黄金价格下跌至5232.5美元/盎司，国内黄金价格也随之降至1175.5元/克，黄金回收价格降至1155元/克，显示出市场对黄金的需求有所 减弱。周大福和六福的黄金价格均降至1618元/克，老凤祥和周生生的黄金价格分别降至1620元/克和1614元/克，表明市场对黄金的投资热情有所降低。 一、黄金零售与现货市场 随着国际金价的强势拉升，国内黄金零售及现货市场价格均刷新了认知上限，品牌首饰金与投资金条之间维持着显著的工艺价差，交易所基础金价成为市场 的核心风向标。 1. 品牌首饰金价高位运行 受原材料成本激增影响，国内主流珠宝品牌的足金饰品单价已普遍站稳1600元大关，周大福、六福珠宝、谢瑞麟及潮宏基等一线品牌报价高度趋同，约为 1618元/克；老凤祥报价最高，达1620元/克；周生生紧随其后为1614元/克。主打性价比的菜百首饰报价略低，为1552元/克，铂金饰品方面，各大品牌报价 集中在1066元/克左右，显示出贵金属板块的普涨态势。 2. 交易所与银行投资金报价 上海黄金交易所数据显示，Au9999（万足金）收盘逼近1179元/克，涨幅超3%；Ag(T D)（白银延期）更是单日大 ...

Core Viewpoint - The 2025 annual performance reports of A-share listed banks indicate a general increase in net profit and asset scale, with many banks showing significant growth in key sector loans, despite a decline in provision coverage ratios [1][2][3]. Group 1: Net Profit Growth - All 10 disclosed banks reported year-on-year growth in net profit, with notable performances from specific banks: China Merchants Bank led with a net profit of 150.18 billion yuan, up 1.21% year-on-year, while Shanghai Pudong Development Bank showed a remarkable increase of 10.52% [2][3]. - Among the city commercial banks and rural commercial banks, all reported both revenue and net profit growth, with Ningbo Bank and Nanjing Bank achieving significant revenue figures of 71.97 billion yuan and 55.54 billion yuan, respectively [2][3]. Group 2: Asset Scale and Quality - The total assets of the 10 listed banks showed steady growth, with several joint-stock banks reaching new milestones; for instance, China CITIC Bank and Shanghai Pudong Development Bank both surpassed 1 trillion yuan in total assets [4]. - The asset quality remained robust, with non-performing loan (NPL) ratios ranging from 0.76% to 1.26%, and several banks, including Ningbo Bank and Hangzhou Bank, maintaining the lowest NPL ratios at 0.76% [6][7]. Group 3: Loan Growth in Key Sectors - City commercial banks demonstrated strong loan growth, with Ningbo Bank and Xiamen Bank reporting loan growth rates of 17.43% and 18.39%, respectively, surpassing their total asset growth rates [5]. - Specific sectors such as green and technology loans saw significant increases, with Xiamen Bank's green loans growing by 68.55% year-on-year, indicating a focus on strategic lending [5].

中新网太原1月29日电(记者高小奇)2026年省级重点工程及重点民间投资项目融资推介会29日在山西太 原举行。会议以"优化金融要素保障服务重大项目建设"为主题，旨在为全年稳增长注入金融动能，支撑 全省高质量发展。 山西省发展改革委副主任杨韶欣在致辞中介绍，2026年山西推出629项省级重点工程，总投资超过2.4万 亿元(人民币，下同)，年度计划投资2829.3亿元。他表示，这些项目既有支撑长远发展的基础工程，也 有惠及民生的项目，还有引领产业升级的高质量载体，是"山西转型发展的潜力股"，也是"金融机构共 赢发展的黄金地"。 山西省地方金融管理局副局长李颖耀透露，2025年全省金融业增加值达1502.2亿元，贷款余额同比增长 7.38%，金融支撑成效显著。他呼吁政银企三方携手构建良好金融生态，表示将持续优化金融服务，搭 建常态化对接平台。 据山西省发展改革委投资处处长张永凌介绍，今年省级重点工程项目涵盖能源转型、产业升级等五大领 域。其中，能源转型类项目达309个，计划投资1090.4亿元，投资额5亿元以上项目占比超过六成。山西 省民营经济局副局长史国兵则重点推介41个民间投资项目，融资需求约165亿元。 在项 ...

一位广告行业人士向经济观察报记者透露，助贷或贷款机构广 告如此做，是为了"蹭流量"，借助微信提升曝光和点击。 作者：刘颖 封图：图虫创意 2026年1月28日，刘先生在微信朋友圈刷到一则借款广告。 广告中"微信里信用飞可以借钱了""微信支付使用2年了，我在微信上信用飞借到了15万8！！"等 话术反复提及微信。 而当刘先生点击广告跳转链接后，发现进入到一个名为"信用飞"的借款小程序，却再无"微信"相 关字样，显示的资金来源为小米消金等。"我第一眼看到这个朋友圈广告时，还以为是微信推出的 贷款产品，难道互联网大厂的尽头都是放贷吗？"刘先生说。 让刘先生疑惑的是，信用飞与微信、微信支付是什么关系，使用微信支付2年真的能借到这么多 钱？ 在这一过程中，并未再出现"微信"相关字样。 针对该广告引发的用户误解，腾讯方面回应，经核实，该广告主体为上海晓途网络科技有限公司 （信用飞平台经营主体）。为了防止用户误解为腾讯提供的服务，平台要求广告账号名称需明确露 出广告主品牌，同时在广告页面添加明确警示语。 腾讯方面表示，腾讯广告根据相关法律法规，从广告主准入、内容发布到广告巡查等环节建立了一 系列审核标准和规范流程。用户如发现 ...

Core Viewpoint - The performance of A-share listed banks shows resilience despite challenges such as declining interest rates and narrowing interest margins, with all 10 banks reporting positive growth in net profit attributable to shareholders for 2025 [1][4]. Group 1: Financial Performance - As of January 29, 2026, 10 A-share listed banks reported their 2025 performance, with 9 banks achieving both revenue and net profit growth [1]. - Qingdao Bank led with a 21.66% increase in net profit, reaching 5.188 billion yuan, while its revenue grew by 7.97% to 1.457 billion yuan [1]. - Hangzhou Bank and Pudong Development Bank also showed strong net profit growth rates of 12.05% and 10.52%, respectively [2]. Group 2: Asset Growth - All 10 banks reported positive growth in total assets for 2025, with four banks reaching new asset scale milestones [2]. - China Merchants Bank's total assets exceeded 13 trillion yuan, making it the largest among the disclosed banks, while Industrial Bank reached 11 trillion yuan [2]. - City commercial banks demonstrated significant asset growth, with Nanjing Bank and Ningbo Bank increasing their total assets by 16.63% and 16.11%, respectively [2]. Group 3: Asset Quality - The non-performing loan (NPL) ratios of the 10 banks remained low, with several banks reporting stable or slightly declining rates [3]. - Ningbo Bank and Hangzhou Bank had NPL ratios of 0.76%, while Qingdao Bank's NPL ratio decreased to 0.97% [3]. - The provision coverage ratios, although slightly decreased, remained at sufficient levels, with Hangzhou Bank exceeding 500% [3]. Group 4: Strategic Responses - Banks are adapting to industry challenges by optimizing their income structure and focusing on middle business income sources [4]. - City commercial banks and joint-stock banks are actively pursuing new growth engines through specialized business development, particularly in technology and green finance [4]. - Despite positive profit growth, many banks face pressure on return on equity (ROE) due to asset scale expansion [4][5]. Group 5: Market Outlook - Analysts suggest that the banking sector's investment logic has shifted from "valuation recovery" to "dividend returns + profit resilience" [6]. - City commercial banks and rural commercial banks are expected to outperform the industry due to their regional advantages and understanding of local financial needs [5][6].