【导读】"资产提升战"打响，银行发力提升零售AUM 新年伊始，银行业掀起新一轮零售领域的"资产提升战"，部分银行的最高奖励超过3000元。同时，微信、小红书等平台也出现了不少"薅羊毛"相关帖子， 甚至有网友透露去年薅到的"羊毛"价值2万多元。 业内人士认为，零售AUM已成为衡量银行零售业务竞争力与未来盈利潜力的关键指标。用户"薅完一家换一家"的现象频发，说明短期激励难以转化为长 期黏性。为了有效提升零售AUM，银行需摒弃短期活动思维，多举措构建以专业服务和长期信任为核心的综合能力。 部分奖励超3000元 银行"资产提升战"打响 开年以来，多家银行密集推出新一期"资产提升活动"，用户参与活动达标后可获得相应的积分、微信立减金等权益，涉及国有大行、城商行等。 国有大行中，工行、农行、中行、建行等目前均发布了"资产提升活动"介绍，其中农业银行（601288）表示，即日起至1月31日，月日均金融资产（包 括：存款、理财、基金、保险、国债、存金通）提升至相应档位的客户，最高可获得240万小豆的奖励。据悉该行633小豆可兑换1元京东E卡，按此计 算，客户最高可获得价值超3790元的京东E卡。 中国银行（601988）表示 ...

【导读】"资产提升战"打响，银行发力提升零售AUM 中国基金报记者 张玲 新年伊始，银行业掀起新一轮零售领域的"资产提升战"，部分银行的最高奖励超过3000元。 同时，微信、小红书等平台也出现了不少"薅羊毛"相关帖子，甚至有网友透露去年薅到的"羊 毛"价值2万多元。 业内人士认为，零售AUM已成为衡量银行零售业务竞争力与未来盈利潜力的关键指标。用 户"薅完一家换一家"的现象频发，说明短期激励难以转化为长期黏性。为了有效提升零售 AUM，银行需摒弃短期活动思维，多举措构建以专业服务和长期信任为核心的综合能力。 部分奖励超3000元 银行"资产提升战"打响 开年以来，多家银行密集推出新一期"资产提升活动"，用户参与活动达标后可获得相应的积 分、微信立减金等权益，涉及国有大行、城商行等。 中国银行表示，1月5日至1月31日，月日均金融资产较上月提升1万元及以上最高可抽取600 万尊享积分；月日均金融资产晋级为理财、财富、私行、企业家私行等级客户，最高可获赠 550元微信立减金权益。 国有大行中，工行、农行、中行、建行等目前均发布了"资产提升活动"介绍，其中农业银行 表示，即日起至1月31日，月日均金融资产（包括：存 ...

Core Viewpoint - The banking industry has initiated a new round of "asset enhancement battles" in the retail sector, with some banks offering rewards exceeding 3,000 yuan. Retail AUM (Assets Under Management) is now seen as a key indicator of a bank's competitive strength and future profitability. The phenomenon of customers frequently switching banks for short-term incentives indicates that short-term activities fail to create long-term customer loyalty. To effectively enhance retail AUM, banks need to abandon short-term thinking and focus on building comprehensive capabilities centered around professional services and long-term trust [1][23][41]. Group 1: Asset Enhancement Activities - Multiple banks have launched new "asset enhancement activities" at the beginning of the year, allowing customers to earn points and benefits by meeting certain criteria. This includes major state-owned banks like ICBC, ABC, BOC, and CCB, with rewards such as 240,000 "small beans" convertible to over 3,790 yuan in JD E-cards for qualifying customers [2][24]. - Agricultural Bank of China has announced that from January 1 to January 31, customers can earn up to 600 million exclusive points if their average financial assets increase by 10,000 yuan or more [5][27]. - Nanjing Bank and other city commercial banks have also introduced similar activities, with Nanjing Bank offering 1,000 comprehensive points for every 10,000 yuan increase in average financial assets, with a maximum of 80,000 points per month [6][28]. Group 2: Market Dynamics and Challenges - The current "asset enhancement battle" reflects a tactical "New Year rush" and a strategic shift in the banking sector, driven by the need to adapt to changing interest rate environments. Retail AUM has become a critical measure of a bank's competitive edge and future profitability [9][31]. - The phenomenon of customers switching banks for incentives highlights two major challenges: the superficial nature of customer relationships ("high flow, low retention") and the lack of differentiation in service offerings, which makes it difficult to establish long-term trust [17][39]. - The "sheep shearing" phenomenon, where customers exploit short-term incentives, indicates a lack of customer loyalty and reveals weaknesses in banks' customer relationship management strategies [11][40]. Group 3: Recommendations for Improvement - To effectively enhance retail AUM, banks should shift from short-term activity thinking to a focus on professional services and long-term trust. This includes transitioning from product sales to asset allocation, integrating financial services with everyday life, and implementing refined customer segmentation and operations [19][41]. - Banks should strengthen their investment advisory capabilities to transition from merely selling products to providing comprehensive asset management solutions, thereby building a "moat" around their services [20][42]. - Digital transformation should evolve from being a mere outreach tool to empowering an ecosystem that enhances customer engagement and retention, creating a complete service loop that turns short-term activity flows into long-term customer relationships [21][43].

| 权益受动方向 | 比例增加☑ 比例减少□ | | --- | --- | | 权益变动前合计比例 | 13.02% | | 权益变动后合计比例 | 14.02% | | 本次变动是否违反己作出的承诺、 | 是□ 合团 | | 意向、计划 | | | 是否触发强制要约收购义务 | 是口 合材 | 1月12日金融一线消息，南京银行今日发布公告称，近日，该行收到大股东南京紫金投资集团有限责任 公司（以下简称"紫金集团"）《关于增持南京银行股份有限公司股份的告知函》，基于对该公司未来发 展的信心和价值成长的认可，紫金集团及其控股子公司紫金信托有限责任公司（以下简称"紫金信托"） 于 2025 年9 月 11 日至 2026 年 1 月 12 日期间以自有资金通过上海证券交易所交易系统以集中竞价交易 方式增持该行股份。 公告指出，紫金集团及其控股子公司紫金信托于 2025 年 9 月 11 日至 2026 年 1 月 12日期间，以自有资 金通过上海证券交易所交易系统以集中竞价交易方式合计增持南京银行股份123472060股，占公司总股 本的1.00%。紫金集团及其控股子公司紫金信托合计持股比例由13.02%增加至 ...

格隆汇1月12日丨南京银行(601009.SH)公布，紫金集团及其控股子公司紫金信托于2025年9月11日至 2026年1月12日期间，以自有资金通过上海证券交易所交易系统以集中竞价交易方式合计增持本公司股 份1.23亿股，占本公司总股本的1.00%。紫金集团及其控股子公司紫金信托合计持股比例由13.02%增加 至14.02%，触及1%整数倍。 ...

Core Viewpoint - Nanjing Bank (601009.SH) announced that Zijin Group and its subsidiary Zijin Trust will increase their shareholding in the bank by 123 million shares, representing 1.00% of the total share capital, from September 11, 2025, to January 12, 2026 [1] Group 1 - Zijin Group and Zijin Trust's combined shareholding will rise from 13.02% to 14.02%, reaching a 1% integer threshold [1]

证券代码：601009 证券简称：南京银行 公告编号：2026-002 优先股简称：南银优 2 优先股代码：360024 南京银行股份有限公司关于持股 5%以上股东权益变 动触及 1%刻度的提示性公告 1.身份类别 | | □控股股东/实际控制人及其一致行动人 ☑其他 5%以上大股东及其一致行动人 | | --- | --- | | 投资者及其一致行动人的身份 | □合并口径第一大股东及其一致行动人（仅适用于无控 | | | 股股东、实际控制人） | | | □其他______________（请注明） | 重要内容提示： 权益变动方向 比例增加☑ 比例减少□ 权益变动前合计比例 13.02% 权益变动后合计比例 14.02% 本次变动是否违反已作出的承诺、 意向、计划 是□ 否☑ 是否触发强制要约收购义务 是□ 否☑ 注：本表格填写主体为直接持有本公司股份、且发生直接持股变动的股东，即信息披露 义务人。 二、 权益变动触及 1%刻度的基本情况 紫金集团及其控股子公司紫金信托于 2025 年 9 月 11 日至 2026 年 1 月 12 日期间，以自有资金通过上海证券交易所交易系统以集中竞价交易方式合计增持 ...

今日，银行板块涨幅为0.31%，渝农商行、南京银行股价垫底银行板块。 (责任编辑：徐自立) 中国经济网北京1月12日讯 渝农商行（601077.SH）今日股价收报6.51元，跌幅0.91%。南京银行 (601009.SH)今日收报10.75元，跌幅0.74%。 ...

Investment Rating - The investment rating for the banking sector is "Positive" and is maintained [12]. Core Insights - In the first week of 2026, the banking sector continued to adjust, with a cumulative decline of 1.9% in the banking index, significantly underperforming the CSI 300 and ChiNext indices by -4.7% and -5.8% respectively. Despite this, the fundamental expectations for the sector remain unchanged, and the market's risk appetite has notably increased [2][6][19]. - The main banks are expected to maintain stable growth in performance throughout 2026. Following recent adjustments, the PB-ROE valuation attractiveness of bank stocks has further increased, suggesting a favorable timing for allocation [2][6][19]. Summary by Sections Market Performance - The banking sector's performance in the first week of 2026 showed a cumulative decline of 1.9%, with significant negative excess returns compared to the CSI 300 and ChiNext indices [6][19]. - Individual stocks such as Chongqing Rural Commercial Bank saw price recovery after management uncertainties were resolved, while stable performers like Hangzhou Bank led the city commercial bank sector [2][6][19]. Fundamental Analysis - The banking sector's performance has been influenced by structural concerns, particularly regarding real estate and retail asset quality. Despite these concerns, overall performance remains stable with steady growth [8][37]. - The LTV (Loan-to-Value) ratios for major banks are stable at 40%-50%, providing a safety margin despite rising asset quality pressures in mortgage loans [8][37]. Trading Dynamics - The increase in market risk appetite has continued to suppress bank stock valuations. Historically, January has seen excess returns for bank stocks, but this year, the rapid recovery in market sentiment has led to underperformance [9][38]. - The report recommends focusing on high-quality city commercial banks such as Hangzhou Bank, Nanjing Bank, and Jiangsu Bank, as well as dividend-oriented assets like Bank of Communications and China Merchants Bank [9][38]. Convertible Bonds - The prices of convertible bonds linked to bank stocks have generally followed the sector's adjustment, with the distance to mandatory conversion prices widening. The report highlights potential trading opportunities in convertible bonds for banks like Changshu Bank and Shanghai Bank, which have stable fundamental performance expectations [7][32].

银行股逆市走低，渝农商行（601077）跌超1%，南京银行（601009）、杭州银行（600926）、建设银 行（601939）等跌幅靠前。 从盘面上看，AI应用题材全线爆发，电商、虚拟人、短剧游戏方向领涨。金融科技、脑机接口、商业 航天、智能驾驶概念股表现活跃。 至午间收盘，上证综指涨0.75%，报4151.14点；科创50指数涨2.26%，报1509.29点；深证成指涨 1.31%，报14305.1点；创业板指涨1.17%，报3366.71点。 Wind统计显示，两市及北交所共3801只股票上涨，1501只股票下跌，平盘有162只股票。 沪深两市早盘成交总额23069亿元。根据早盘的成交情况预估，两市全天成交额有望突破3.5万亿元，刷 新A股单日成交额的新纪录。 据大智慧VIP，两市及北交所共有283只股票涨幅在9%以上，5只股票跌幅在9%以上。 从盘面上看，商业航天掀起涨停潮，天银机电（300342）、广哈通信（300711）、智明达（688636）、 蓝盾光电（300862）、斯瑞新材（688102）等超20股涨停或涨超10%。 传媒股暴涨，蓝色光标（300058）、川网传媒（300987）、值得买（ ...