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 ...

双融日报 --鑫融讯 2026 年 02 月 04 日 市场情绪：71 分（较热） 2、银行主题：银行股具有高股息特性，如中证银行指数的股 息率高达 6.02%，显著高于 10 年期国债收益率。在经济增 速放缓和市场波动加大时，银行股凭借稳定的分红能力，成 为险资、社保等长期资金的重要配置标的。相关标的：农业 银行（601288）、宁波银行（002142） 分析师：万蓉 S1050511020001 wanrong@cfsc.com.cn 最近一年大盘走势 资料来源：Wind，华鑫证券研究 -10 -5 0 5 10 15 20 25 30 (%) 沪深300 相关研究 ▌ 华鑫市场情绪温度指标：（较热） 华鑫市场情绪温度指标显示，昨日市场情绪综合评分为 71 分，市场情绪处于"较热"。历史市场情绪趋势变化可参 考图表 1 ▌ 热点主题追踪 今日热点主题：电网设备、银行、消费 1、电网设备主题：全球 AI 数据中心（AIDC）耗电量巨大， 催生了对高功率、高稳定性变压器等核心电力设备的刚性需 求。目前全球供需严重失衡，美国市场交货周期已长达 127 周。与此同时，国内"十五五"期间，国家电网 4 万亿元的 巨 ...

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].

2月4日，苇渡Windrose宣布，于近期启动总额超过1亿美元的C轮融资，其中C1轮由中国移动链长基金 领投，其他投资人还包括苇渡科技创始人韩文、法国工业地产商PRD等；同时，本轮还获得了中国工商 银行、中国建设银行、中国农业银行等银行的授信支持。C轮融资将主要用于加速公司的纯电重卡在获 得中美欧三地认证之后，在全球市场的量产布局和交付，以及推动比利时、法国、美国三地的总装交付 基地以及配套风光电+储能+快充基础设施建设。 ...

Investment Rating - The industry investment rating is "Positive," indicating an expected overall return exceeding 5% above the CSI 300 index within the next six months [3][40]. Core Insights - The report highlights that the banking sector's performance is entering a recovery phase, with a focus on the stability of interest margins and the potential for improved asset quality as the economy recovers [7]. - The report emphasizes the importance of strong capital positions and reliable dividend payouts for investment selection, recommending specific banks based on their financial health and market position [7]. Summary by Sections Market Review - The Shanghai Composite Index and CSI 300 Index experienced changes of -0.44% and +0.08% respectively, while the banking sector index rose by 0.86%, outperforming the CSI 300 by 0.78 percentage points [10][11]. - Notable performances within the banking sector included increases in share prices for major state-owned banks such as Bank of China (+1.90%) and Agricultural Bank of China (+0.81%) [13][14]. Data Tracking - As of January 30, 2026, the banking sector's price-to-book (PB) ratio stands at 0.65, indicating a valuation at the 70.10 percentile over the past five years [6][19]. - The median dividend yield for individual stocks in the sector is 4.54%, which is 2.73 percentage points higher than the yield on 10-year government bonds [6][19]. Industry Dynamics - The Federal Reserve has decided to maintain interest rates between 3.5% and 3.75%, reflecting a balanced approach to managing inflation and employment concerns [33][35]. - The China Banking Association has introduced guidelines for the collection of personal consumption loans, aiming to standardize practices and promote healthy industry development [37][39].

最近一周，国际国内金价出现大幅震荡，工行、农行、中行、建行、交行等多家国有大行以及部分股份 制银行，陆续调整积存金等贵金属相关业务规则，并同步发布市场风险提示，强化投资者风险管控要 求。此次各银行对于积存金业务的密集调整，距上一次调整仅过去两个月时间。随着投资门槛的不断上 调，积存金业务已不再是此前投资者眼中的"低门槛"业务。 金价坐上"过山车" 上周起，在开年以来被市场热捧的黄金，突然开启了令投资者心惊胆战的史诗级巨震，其价格形成明显 的"过山车"走势。1月30日，国际现货黄金在创下历史新高后突遭大跌，后迅速反弹，第二日金价再度 遭遇暴跌，并创下40年来的最大单日跌幅。虽然本周以来，金价有所反弹，但距离此前高点尚有较大缺 口。 1月26日，伦敦黄金现货价格首次突破每盎司5000美元，创历史新高。随后继续上涨，1月28日，伦敦黄 金现货价格突破每盎司5200美元。1月29日早盘冲破每盎司5500美元，并一度创下历史新高，虽然随后 金价略有回落，但已站稳5500美元/盎司。当日，国际金价的飙升迅速传导至国内市场，国内部分主流 金饰品牌报价刷新1700元/克，创下历史新高，单日价格上涨近百元。 1月30日，伦敦黄 ...

1. 公告基本信息 公告送出日期：2026年2月4日 ■ 2、本基金的基金份额持有人事先未做出收益分配方式选择的，则默认方式为现金分红。选择现金红利 方式的基金份额持有人的红利款将于现金红利发放日自基金托管账户划出。 3.其他需要提示的事项 1、本基金收益分配方式分为两种：现金分红与红利再投资。基金份额持有人可选择现金红利或将现金 红利按除息日除息后的基金份额净值自动转为基金份额进行再投资，本基金默认的收益分配方式是现金 分红。 2.与分红相关的其他信息 ■ 注：1、本分红方案经本基金管理人计算并由基金托管人中国农业银行股份有限公司复核。 2、本次分红确认的分红方式将按照投资者在权益登记日之前（不含权益登记日）最后一次提交并被本 基金注册登记机构确认的分红方式为准。如需修改分红方式的，请务必在权益登记日前一工作日的交易 时间结束前到销售机构办理变更手续，投资者在权益登记日前一工作日交易时间结束后提交的修改分红 方式申请对本次分红无效。 3、权益登记日申请申购的基金份额不享有本次分红权益，权益登记日申请赎回的基金份额享有本次分 红权益。 4、本基金管理人有权根据市场情况及本基金净值波动的客观因素，在不违反本基金 ...

Core Viewpoint - The recent sharp decline in gold prices has led to a mixed market reaction, with some investors looking to buy the dip while others are counting their losses [1][3][4] Market Reaction - On January 30, gold futures on the New York Commodity Exchange fell below $4,800 per ounce, with a daily drop exceeding 10%, while spot gold hit a low of $4,682 before closing at $4,880.03, marking a maximum daily decline of over 12% [1] - Domestic gold jewelry prices also adjusted downward, with most products dropping approximately 80 yuan per gram, reflecting a significant market correction [1][4] Investor Behavior - In Beijing, some individuals exchanged old jewelry for cash, while others took the opportunity to invest in gold bars, indicating a mix of fear and greed in the market [3] - A customer at a gold store in Nanchang expressed a desire to invest in gold, stating that it serves both as an adornment and an investment, highlighting the dual nature of gold as a commodity [4] Price Dynamics - Major gold retailers like Chow Tai Fook and Chow Sang Sang reported price drops of 60 to 90 yuan per gram within just one to two days, illustrating the rapid market adjustment [4] - The recent price drop is noted as the largest single-day decline in 40 years, with silver prices also experiencing a significant drop of over 35% [4] Market Conditions - The decline in gold prices is attributed to a combination of overheated market conditions and external triggers, such as a downturn in U.S. stock markets and disappointing earnings reports from major companies like Microsoft [6][7] - The volatility in the market is further exacerbated by speculation and the behavior of institutional investors, leading to a chain reaction of sell-offs [7][9] Regulatory Response - Major banks in China have implemented measures to assess the risk tolerance of individual investors participating in gold accumulation transactions, indicating a proactive approach to managing systemic risk [9] - These measures aim to protect investors from high volatility and ensure that they are informed and capable of handling potential losses [9] Long-term Outlook - Despite short-term volatility, the long-term outlook for gold remains optimistic due to persistent factors such as inflation expectations, geopolitical uncertainties, and diverging monetary policies [12] - The current price fluctuations are viewed as a market correction rather than a fundamental shift in gold's value proposition [12] Conclusion - The market is experiencing a misalignment between expectations and reality, driven by liquidity and valuation asymmetries, necessitating a balanced approach between investor protection and market liquidity [14] - Investors are encouraged to maintain a long-term perspective, manage their positions carefully, and prioritize risk control in the face of market volatility [14]

钟建军 王琳 烟台报道 为做深做实金融纠纷多元化解机制建设,构建金融协同解纷新格局,1月28日,烟台金融监管分局联合烟台 市中级人民法院举行烟台市金融纠纷多元化解工作推进会暨烟台市金融纠纷多元化解中心揭牌仪式,标 志着烟台市在金融治理领域迈出关键一步,一个专业、高效、便民的"一站式"金融纠纷解决平台正式投 入运行。 仪式上,全新设计的金融纠纷多元化解中心LOGO正式亮相。徽标以法徽的红黄为主色调,用象征专业与 权威的圆环围合,传递出中心坚守法治底线、秉持公正立场的核心定位。最富深意的是天平与灯塔的巧 妙结合,它既代表了法律的公平,又寓意着为金融纠纷化解照亮前路。整体构成一个"握手"造型,生动诠释 了"以和为贵"的精神。 会上,烟台市中级人民法院党组成员、副院长闫青利对《关于加强金融纠纷多元化解工作的实施意见》 进行了解读,为全市金融纠纷多元化解工作提供了清晰的制度框架和行动指南。 作为金融市场的重要参与者,烟台市金融消费权益保护协会会长,农业银行烟台分行党委书记、行长郗栋 代表金融机构发言时称,全市金融机构将主动融入平台建设,选派骨干担任调解员,确保群众诉求"有人 接、有人办、有结果",同时强化内部投诉处理和 ...

Group 1 - The core viewpoint of the articles highlights the significant role of financial services in supporting local businesses during the peak consumption period around the New Year, particularly in Nantong, Jiangsu Province [1][5] Group 2 - Jiangsu Agricultural Bank's Nantong branch has developed customized credit products and efficient approval processes to meet the urgent financing needs of merchants, facilitating their preparation for the New Year market [1][5] - A fruit vendor in Nantong received a loan of 3 million yuan within three working days, enabling him to stock up on apples for the New Year, resulting in increased customer traffic and sales [2] - A store owner expanded from one to two locations with a loan of 500,000 yuan, which helped him replenish stock and improve product quality, leading to a nearly 40% increase in sales [3] - A seafood market operator received 1 million yuan in funding to meet a 20% increase in order volume compared to the previous year, allowing him to purchase fresh seafood and maintain a busy operation [4] - The bank aims to continue innovating financial services and increasing credit investments to help more merchants seize market opportunities and contribute to high-quality local economic development [5]