本报记者 彭妍 近期，大批中小银行密集推出大额存单产品。记者注意到，这些产品年利率普遍降至"1字头"，短期化 特征也愈发凸显——1年期以下短期产品显著增多，3年期产品数量占比不足三成，5年期产品已难觅踪 迹。 受访人士表示，这一现象背后，是低利率环境下中小银行对负债端的主动调整：一方面是为吸纳存款、 稳定负债规模；另一方面，在资产收益率下行压力下，主动褪去"利率高地"的定位，通过精细化管控负 债成本，避免盲目高息揽储加剧息差收窄。未来，行业竞争或将从单纯利率比拼，转向服务与产品差异 化创新的赛道。 发行节奏显著加快 1月份以来，中小银行迎来一轮大额存单发行热潮。据统计，开年至今，中小银行发布的大额存单发行 公告已超200条，发行节奏显著加快。仅1月26日当天，灌云农商银行、苏州农商银行、阳城农商银行、 吉安农商银行、淮南通商农商银行、淮北农商银行、三河农商银行、贵州兴义农商银行、颍泉农商银行 等10多家中小银行，同步新发多款不同期限的大额存单产品；1月22日，常熟银行、金湖农商银行、高 平农商银行、嵩明农商银行和珠海农商银行5家机构，集中推出了多期大额存单产品。 值得关注的是，此次新发行的大额存单，短期化特征 ...

摄制：曾小龙、何亦媚、罗沛蓁 新华社音视频部制作 0:00 近日，广东梅州市五华县梅林镇的无人机运送驿站正式投运。该驿站首批接入顺丰、邮政等快递企业， 通过无人机配送，可覆盖当地6个行政村，实现圩镇到村级快递直达，有效破解山区乡村物流"最后一公 里"难题。 记者：田建川 ...

Core Viewpoint - The Ministry of Finance has announced a new policy to optimize the implementation of financial subsidies for equipment renewal loans, expanding support to various sectors including energy and power, aiming to promote high-end, intelligent, green, and digital equipment updates. The central government will provide a 1.5% interest subsidy on relevant fixed asset loan principals for a maximum period of 2 years, effective until December 31, 2026, with potential extensions [1][7]. Group 1: Policy Details - The support range has been expanded to include various sectors such as energy, transportation, agriculture, and technology, with a focus on high-end, intelligent, green, and digital equipment updates [3][9]. - The central government will subsidize 1.5% of the principal on fixed asset loans for equipment renewal projects, applicable to loans issued from 2026 onwards [2][9]. - The policy will be in effect until December 31, 2026, with the possibility of extension based on future evaluations [1][2]. Group 2: Implementation and Management - A total of 26 banks are designated as handling banks for the subsidy loans, including major state-owned and commercial banks [3][10]. - The subsidy process will utilize a "pre-allocation + settlement" method, streamlining the application and approval process for banks and provincial finance departments [4][11]. - The Ministry of Finance, along with other regulatory bodies, will oversee the implementation and ensure compliance with the subsidy program [5][12]. Group 3: Supervision and Reporting - The Ministry of Finance will conduct joint inspections to ensure compliance and address any violations by the borrowing entities or banks involved in the subsidy program [6][13]. - Banks are required to establish reporting systems to provide monthly updates on loan issuance and subsidy usage to the Ministry of Finance [6][14].

| 代码 | 名称 | 主力净流入 (元) | | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 601398 工商银行 | | | 4.72亿 | 14.30% | -2.61亿 | -7.91% | -2.11亿 | -6.39% | | 601988 中国银行 | | | 3.09亿 | 15.30% | -1.13亿 | -5.58% | -1.96 Z | -9.72% | | 601288 农业银行 | | | 2.80亿 | 6.45% | -6552.67万 | -1.51% | -2.14 Z- | -4.94% | | 601328 交通银行 | | | 2.75亿 | 15.97% | -1.16亿 | -6.74% | -1.59亿 | -9.22% | | 601658 邮储银行 | | | 1.14亿 | 12.58% | -1129.97万 | -1.25% | -1.03亿 | -11.33% | | 601939 ...

赛力斯的最终发售价为131.50港元，所得款项总额为14,283.40百万港元，扣除按最终发售价计算 的预计应付上市开支266.99百万港元，所得款项净额为14,016.41百万港元。 赛力斯的基石投资者为重庆产业母基金、林园基金及华泰资本投资（与华泰背对背总回报掉期及林 园总回报掉期有关）、广发基金管理有限公司及广发国际资产管理有限公司（统称为"广发基金"）、 New China Asset Management、BESS Broadway、Sanhua (Hong Kong)、中升、Zhink International、Gold Wings、达安投资、Hichain Logistics HK、施罗德、Mirae Securities、New Alternative、中邮理财、Skyler International、星宇香港、中国美东、Ghisallo Fund、Jump Trading、 Jain Global Master Fund Ltd、China Alpha Fund。 其中，New China Asset Management由新华人寿保险股份有限公司（简称"新华保险"， 1336.HK，6 ...

来源：信网 作者：顾青青 尹雅文 华夏银行：未全额还款即按整体金额计息 建议先正常履约 针对赵女士反映的情况，信号新闻致电华夏银行信用卡中心，客服人员表示，根据华夏银行现行规则， 持卡人若未全额偿还当期账单，利息将从消费记账日起，以当期全部消费金额为基数计收。 信网·信号新闻1月23日讯 近日，安徽的赵女士向信号新闻(0532-80889431)反映，名下华夏银行等3家银 行的信用卡被盗刷，涉及金额合计5万余元，她随即报警并向发卡行报备相关情况。在警方调查结果出 来前，赵女士偿还了华夏银行正常消费的26800元，但因未偿还3143.7元被盗刷款项，当期账单还是被 华夏银行按全额计息，利息达630多元。对此，华夏银行回应称，未全额还款即按账单整体金额计息。 持卡人：信用卡遭盗刷 警方正式立案 2025年11月8日，赵女士在核对华夏银行信用卡账单时发现，当期应还金额较自己记录的消费金额多出 了3000多元。查阅账单明细后她发现，11月1日有一笔收款方为"深圳周大福在线传媒有限公司"的 9431.1元订单并非自己操作，该订单需分3期偿还，每期金额3143.7元。怀疑信用卡被盗刷的赵女士连忙 核查名下其他信用卡的消费 ...

宁波全经联房地产智库第十二届年会暨 2025 宁波房地产年度高峰论坛 &"方太之夜" 宁波地产春晚于 2026 年 1 月 24 日盛大启幕。本次盛会由宁波全经联房地产智库主办，方太集团宁波公司独家冠名晚 会，邮储银行（601658）鄞州支行、保利发展（600048）、保利置业、晨境里开发、富邦地产、华润置 地、建发房产、绿城、江山万里、明洲置业、新城地产、金茂置业、中海地产、中景绿城、中能建、开 投蓝城、缅甸浙商工业园等众多企业协办，采用线下相聚与线上直播同步的形式，吸引了房地产及产业 链负责人、投资及金融专家、艺术家、媒体人士及各商协会负责人等各界精英共 350 余位嘉宾齐聚一 堂，共探行业破局之路，共话发展新机遇。作为宁波房地产行业的年度盛会，极具权威与公信力的 "2025 宁波房地产年度大奖" 也在现场隆重揭晓，成为行业关注的焦点。 权威评审，重磅揭晓年度标杆 2025 宁波房地产年度大奖由宁波全经联房地产智库联合克而瑞（浙江区域）、宁波发展战略研究会、 欧洲宁波总商会等机构联袂打造。并组建了由甬商房地产分平台 / 宁波全经联房地产智库会长缪百年、 原宁波市城乡建委副主任方锡彪、克而瑞浙江区域总经理刘 ...

Group 1 - The National Financial Regulatory Administration has approved the appointment of Pu Yonghao as an independent director of China Postal Savings Bank [1][5] - Pu Yonghao has an extensive background in finance, having held various senior positions in institutions such as Bank of China International and UBS [4][8] - His educational qualifications include a Master's degree in Economics from Xiamen University and a Master's degree in Demography from the London School of Economics [4][8] Group 2 - Pu Yonghao's previous roles include being a senior economist and vice president at Bank of China International, a senior advisor at the Asian Development Bank, and managing director at UBS [4][8] - He is currently serving as an independent non-executive director at several companies, including Jiao Yin International Holdings and Guotai Junan Securities [4][8] - Pu Yonghao also holds the position of vice chairman at the Hong Kong China Financial Association [4][8]

Group 1: Event Overview - The 2026 Beijing International Commercial Aerospace Exhibition was held from January 23 to 25, focusing on "Gathering Global Resources to Promote Commercial Aerospace" [1] - Over 300 core enterprises from both domestic and international markets participated, showcasing advancements across a total exhibition area of 20,000 square meters [1] Group 2: Product Highlights - Leading domestic commercial rocket companies showcased their latest products, demonstrating significant progress in reducing space entry costs and increasing launch frequency [2] - Blue Arrow Aerospace presented the improved model of its "Zhuque-2" rocket, the world's first liquid oxygen-methane rocket to achieve multiple successful launches, highlighting its performance, cost, and reusability advantages [2] - The next-generation reusable rocket "Zhuque-3" was also displayed, aiming to significantly lower marginal launch costs, marking a key step for China's commercial aerospace sector towards economic paths similar to SpaceX's Falcon series [2] Group 3: Diverse Technological Developments - Other companies like Beijing Xinghe Power Equipment Technology showcased the "Zhishenxing" series of medium reusable liquid rockets and the "Gushenxing" series of small solid rockets, which have been validated in commercial launch tasks [2] - Deep Blue Aerospace and Interstellar Glory presented models of their respective reusable rocket technologies, indicating a multi-layered and complementary development landscape in China's commercial launch vehicle sector [3] Group 4: Satellite Manufacturing and Applications - The exhibition highlighted a shift from single-satellite technology breakthroughs to system-level constellation applications, with low Earth orbit broadband communication satellites being a major focus [3] - Galaxy Aerospace showcased the "Lingxi-03" satellite model, featuring flexible solar wing technology that enhances power-to-weight ratio and is suitable for efficient deployment in rocket fairings [3] Group 5: Financial and Insurance Services - The exhibition included a dedicated area for "Aerospace Investment and Financial Services," indicating a deeper integration of financial capital with the aerospace industry [6] - Major state-owned banks presented tailored financial service solutions for commercial aerospace companies, while PICC introduced customized insurance products for the entire lifecycle of rockets and satellites [6] Group 6: International Engagement and Market Potential - Diplomats from countries like Argentina, Peru, and Canada attended the exhibition, along with representatives from top international investment firms such as Goldman Sachs and Sequoia Capital, indicating strong interest in China's commercial aerospace market [7] - The Beijing Economic and Technological Development Zone has become a core hub for the domestic commercial aerospace industry, housing over 210 enterprises and 75% of the country's commercial rocket companies [7]

Core Viewpoint - Zhongyin International maintains an "overweight" rating on the H-share segment of the domestic banking sector, highlighting the attractiveness of valuations, particularly for Industrial and Commercial Bank of China (ICBC) [1] Group 1: Recommendations - The report recommends buying shares of Agricultural Bank of China, China Merchants Bank, China Construction Bank, Postal Savings Bank of China, and China Everbright Bank in addition to ICBC [1] Group 2: Market Outlook - It is predicted that over 50 trillion yuan of long-term fixed deposits will mature by 2026, which is expected to create a window for repricing bank liabilities, significantly alleviating the downward pressure on net interest margins that has troubled the industry in recent years [1]