而首席风险官制度探索则更早一步，早在2006年、2007年，工商银行、建设银行、交通银行等大行就已启 动首席风险官管理机制。2016年原银监会发布的《银行业金融机构全面风险管理指引》提及，规模较大的 或业务复杂的银行业金融机构应当设立风险总监，即首席风险官。此后，首席风险官的设立进入快车道， 尤其是在2024年之后，增设首席风险官的银行阵营不断扩大，包括光大银行、兴业银行等在内的银行均完 成了这一岗位的人员聘任。 缘何在首席风险官后又出现了首席合规官？苏商银行特约研究员武泽伟表示，"事实上，这两个岗位的差 别很大，从核心职责来说，既有重合也有差异、各有侧重，同时设立主要是基于内部治理的专业化分工需 要"。他进一步指出，首席风险官主要负责全面管理银行在经营中面临的各类风险，其工作侧重于对信用 风险、市场风险、操作风险等具体业务风险进行识别、评估、计量、监测和控制，旨在保障银行资产安全 与业务稳定运行；而首席合规官的职责则更加聚焦于确保银行的经营管理行为和员工履职行为符合所有适 用的法律、行政法规及监管规范，其核心目标是防范因违反规则而导致的合规风险。简言之，风险官主要 应对经营中的"不确定性"可能带来的损失，而 ...

平安银行股份有限公司章程 | 第一章 | 总 则 . | | --- | --- | | 第二章 | 经营宗旨和范围. | | 第三章 | | | 第一节 股份发行 - 5 - | | | 第二节 | 股份增减和回购 | | 第三节 股份转让………………………………………………………………………………- 9 - | | | 第四章 党组织……………………………………………………………………………… - 10 - | | | 第五章 股东和股东会 | | | 第一节 股东 - 11 - | | | 第二节 | 控股股东和实际控制人 - 19 - | | 股东会的一般规定 - 20 - | 第三节 | | 第四节 | 股东会的召集 | | 第五节 | 股东会的提案与通知…………………………………- 25 - | | 股东会的召开 27 - | 第六节 | | 股东会的表决和决议 32 - | 第七节 | | 第六章 董事会…………………………………………………………………………………………………… - 37 - | | | 第一节 | 董事……………………………………………………………………………… - 37 - ...

平安银行股份有限公司董事会议事规则 第一条 为了规范平安银行股份有限公司（以下简称"本行"）董事会的议 事方法和程序，保证董事会工作效率及合理的董事会决策机制，依据法律、法规、 规章以及《平安银行股份有限公司章程》（以下简称"《章程》"）的规定，制 定本规则。 第二条 董事会依据法律、法规、规章以及《章程》行使职权。 第三条 除《章程》另有规定外，董事会会议应当由过半数的董事出席方可 举行。每一董事享有一票表决权。除董事外，本行高级管理人员经邀请可以列席 董事会会议。 第四条 董事长负责召集、主持董事会会议。如董事长不能履行职务或不应 履行职务时，由副董事长履行职务（如有两位或两位以上副董事长的，由过半数 的董事支持的副董事长履行职务）；副董事长不能履行职务或不应履行职务的， 由过半数的董事支持的一名董事履行。 董事会秘书负责董事会会议的组织和协调工作，包括准备会议文件、负责会 议记录及会议决议、纪要的起草工作等。 第六条 董事会会议应该按规定的程序进行，董事会应事先通知所有董事， 并提供足够的会议资料，包括会议议题的相关背景材料和有助于董事理解本行业 务进展的信息和数据。当两名或两名以上独立董事认为资料或论 ...

平安银行股份有限公司股东会议事规则 第一章 总则 第一条 为规范股东会议事程序，维护全体股东的合法权益，保证股东会能够 依法行使职权，平安银行股份有限公司（以下简称本行）依据《中华人民共和国 公司法》（以下简称《公司法》）、《中华人民共和国证券法》（以下简称《证 券法》）、《上市公司股东会规则》（以下简称《股东会规则》）、《平安银行 股份有限公司章程》（以下简称《章程》）及其他有关法律、法规和规范性文件 的规定，特制定股东会议事规则。 第四条 股东（包括股东代理人）出席股东会，应当遵守有关法律、法规、 规范性文件及本行《章程》的规定，自觉维护会议秩序，不得侵犯其它股东的合 法权益。 第五条 股东会分为年度股东会和临时股东会。 第六条 年度股东会每年召开一次，应当于上一个会计年度完结之后的六个 月内举行。 第七条 临时股东会不定期召开，若出现《章程》规定之情形，本行应当在 两个月内召开临时股东会。 本行在上述期限内不能召开股东会的，应当报告本行所在地中国证监会派出 机构和本行股票挂牌交易的证券交易所(以下简称证券交易所)，说明原因并公告。 第八条 本行召开股东会，应当聘请律师出席股东会，对以下问题出具法律意 见 ...

证券代码：000001 证券简称：平安银行 公告编号：2026-001 优先股代码：140002 优先股简称：平银优 01 平安银行股份有限公司 近日，本行收到《国家金融监督管理总局关于平安银行修改公司章程的批复》 （金复〔2026〕9 号），本行公司章程已获核准并生效。修改后的公司章程全文 详见巨潮资讯网（http://www.cninfo.com.cn）。 自公司章程核准之日起，本行监事会及监事依法撤销，由董事会审计委员会 行使《中华人民共和国公司法》和监管制度规定的监事会职权，监事会议事规则 等监事会相关公司治理制度同步废止。 叶望春先生、车国宝先生、王春汉先生、韩小京先生、孙永桢女士和邓红女 士不再担任本行监事及监事会相关职务。本行对各位监事在任职期间作出的重要 贡献表示衷心感谢！ 特此公告。 平安银行股份有限公司董事会 2026 年 1 月 9 日 1 关于公司章程修订获核准及不再设置监事会的公告 本公司及董事会全体成员保证信息披露的内容真实、准确、完整，没有虚假记载、误导 性陈述或重大遗漏。 平安银行股份有限公司（以下简称本行）于 2025 年 12 月 16 日召开的 2025 年第一次临时股东 ...

Core Insights - The securities app market demonstrates strong resilience amid market fluctuations and technological changes, with an average monthly active user (MAU) of 127.28 million in the first 11 months of 2025, peaking at over 135 million in October [1][2]. User Engagement - The top 10 securities firms by MAU include Huatai Securities, Guosen Securities, and China Galaxy Securities, with Huatai's app achieving an average MAU of 8.25 million [4][5]. - A total of 18 firms reported an average MAU exceeding 1 million, indicating a competitive landscape [2][4]. App Development Trends - "High-frequency iteration" is a key trend, with the top 10 apps averaging 9 updates this year, focusing on trading features, market services, and AI capabilities [3][13]. - Guotai Junan's apps led the industry with 25 updates each, showcasing a commitment to continuous improvement [3][13]. Growth Metrics - Several apps achieved significant growth, with the highest increase seen in Industrial Securities' app, which grew by 67.64% from January to November [7][8]. - Year-over-year, 18 apps reported growth, with only two experiencing a decline [9][10]. Daily Active Users (DAU) - Huatai's app leads in DAU with an average of 337.97 million, significantly higher than the second-place app from招商证券 at 199.29 million [11][12]. AI Integration - The integration of AI in investment advisory services is a major focus, with firms like Guotai Junan and China Galaxy enhancing their apps with AI-driven features [13][14]. - The trend towards digital transformation is evident as firms aim to improve user experience and service efficiency through AI [13][14].

Market Performance - The banking sector saw a decline of 1.16% on January 8, with Pudong Development Bank leading the drop [1] - The Shanghai Composite Index closed at 4082.98, down 0.07%, while the Shenzhen Component Index closed at 13959.48, down 0.51% [1] Individual Bank Performance - CITIC Bank closed at 7.41, with a slight increase of 0.14%, while other banks like Zhejiang Commercial Bank and Minsheng Bank experienced declines of 0.33% and 0.52% respectively [1] - The largest decline was seen in Pudong Development Bank, which fell by 2.12% to close at 11.54 [1] Trading Volume and Capital Flow - The banking sector experienced a net outflow of 674 million yuan from main funds, while retail investors saw a net inflow of 313 million yuan [1] - The trading volume for CITIC Bank was 688,900 shares, with a transaction value of 507 million yuan, while the total transaction value for the banking sector was significant [1] Capital Inflow Analysis - Industrial Bank had a net inflow of 67.52 million yuan from main funds, but also saw a net outflow from retail investors of 63.06 million yuan [2] - Huaxia Bank experienced a substantial net outflow of 89.46 million yuan from main funds, despite a net inflow of 66.32 million yuan from speculative funds [2]

Group 1: Retail Gold and Platinum Prices - The domestic gold jewelry market shows a significant price differentiation among brands, with leading brands like Chow Tai Fook, Chow Sang Sang, and others maintaining high gold prices around 1390 CNY per gram [1] - The overall market price range for gold is between 1158 CNY and 1390 CNY per gram, with specific stores like South Ping Sun Gold Store and Wu Han Ya Yi Gold Store quoting prices of 1209 CNY and 1389 CNY per gram respectively [1] - Platinum prices also exhibit notable differences, with retail prices ranging from 583 CNY to 920 CNY per gram, indicating a strong brand premium effect [1] Group 2: Precious Metal Recycling Market - The recycling market shows that the gold jewelry recycling price is 998 CNY per gram, while platinum is at 533 CNY per gram [2] - There is a significant discount between retail and recycling prices for platinum, with some brands experiencing a discount rate exceeding 20%, reflecting a depreciation of brand premium in the second-hand market [2] Group 3: Financial Institutions and Professional Institutions Gold Bar Prices - Bank gold bar prices range from 1019 CNY to 1062.5 CNY per gram, with the highest price from Pudong Development Bank [3] - The Shanghai Gold Exchange standard gold bar is priced at 1001.5 CNY per gram, aligning closely with market benchmarks [3] - Various professional institutions have different pricing for gold bars, with China Gold Investment Gold Bar priced at 1017 CNY per gram and other brands showing price variations based on brand value and craftsmanship [3] Group 4: Gold Market Trends - The technical outlook for gold indicates a weak short-term trend, with bearish K-line structures and MACD showing limited rebound strength [5] - Key support levels are identified at 4400 points, with a potential drop below this level leading to a clearer mid-term downtrend [5] - Short-term strategies suggest treating gold for value preservation through gradual accumulation, while short-term trading should respect market trends and avoid aggressive bottom-fishing strategies [6]

Core Viewpoint - Zhejiang Huayou Cobalt Co., Ltd. has successfully issued its first phase of ultra-short-term financing bonds for 2026, raising 900 million RMB with a maturity of 260 days and an interest rate of 2.21% [1][2]. Group 1 - The company’s board approved the issuance of various debt financing instruments, including corporate bonds, short-term financing bonds, and others, during meetings held on April 17, 2025, and May 9, 2025 [1]. - The bonds were underwritten by a consortium led by CITIC Bank, China Minsheng Bank, Zhejiang Commercial Bank, and Ping An Bank, and were publicly issued through a book-building and centralized allocation method in the national interbank bond market [2]. - The funds raised from this bond issuance will be used to repay the company's interest-bearing liabilities [2].

Group 1 - The People's Bank of China has set a flexible and efficient monetary policy for 2026, emphasizing the use of various tools such as reserve requirement ratio cuts and interest rate reductions to maintain ample market liquidity [1] - China's gold reserves have increased for the 14th consecutive month, reaching 7.415 million ounces (approximately 2306.32 tons) by the end of December, reflecting a diversification strategy in foreign exchange reserves [2] - Over ten banks are expected to appoint Chief Compliance Officers in 2025, following the implementation of the Compliance Management Measures for Financial Institutions, which mandates the establishment of this role at the headquarters level [3] Group 2 - Postal Savings Bank has received regulatory approval to absorb and merge its wholly-owned subsidiary, Postal Huinong Bank, which has not been profitable since its establishment in 2022 [4] - Three joint-stock banks have accelerated investments in new energy and new materials, with over 6 billion yuan allocated to projects in these sectors since the establishment of their financial asset investment companies [5] - A competitive landscape has emerged in retail wealth management as multiple banks launch asset enhancement activities to attract customers and optimize asset allocation [6] Group 3 - Agricultural Bank of China will terminate its personal mobile banking security service to enhance user experience and service efficiency, effective January 9, 2026 [7] - Jiangxi Rural Commercial Bank has received approval for a dual strategy of equity investment and debt equity transfer in several local rural banks, aimed at strengthening its regional presence [9] - Lin Huihong has been approved to serve as the Chairman of Hang Seng Bank (China), in addition to her role as CEO, which is expected to bolster the bank's focus on the mainland market [10] Group 4 - In response to rising gold prices due to geopolitical events, banks have launched gold-linked structured deposits with expected annual returns reaching up to 4%, combining safety and yield [11]