金融机构负责人表示，得益于广州市委、市政府的大力支持和广州市良好的金融发展环境，企业在穗各 项业务稳步发展。下一步，将充分发挥行业头部优势，积极对接广州"十五五"规划发展需求，围绕构建 现代化产业体系、推动科技原始创新、促进健康事业发展、服务外贸进出口、推进城市更新等重点领域 进一步加大探索创新力度，努力以高质量金融服务助力广州高质量发展。 中国人寿广东省分公司总经理陈恒伟、工商银行广东省分行行长韩松，广州市领导赖志鸿参加。 相关附件 2月27日下午，广州市市长孙志洋分别到中国人寿保险股份有限公司广东省分公司、中国工商银行广东 省分行走访，就进一步深化务实合作、携手推进高质量发展进行深入交流。 孙志洋对中国人寿广东省分公司、工商银行广东省分行长期以来对广州经济社会发展的大力支持表示感 谢。他说，金融是现代服务业的重要组成部分，也是广州深化两业融合的重要支撑。今年是"十五五"开 局之年，广州正开足马力、真抓实干，围绕实现习近平总书记、党中央赋予的使命任务，认真落实省、 市高质量发展大会的部署要求，坚持工商并举，推动制造业与服务业深度融合发展，夯实现代化建设产 业根基，不断开创高质量发展新局面。希望中国人寿广东省 ...

近期，贵金属价格持续高位震荡，个人投资热度显著升温，在此背景下，商业银行持续收紧 个人贵金属业务风险管控。 2月25日，工商银行、农业银行、建设银行相继发布公告，调整个人客户上海黄金交易所延 期合约保证金比例。比如，工商银行公告显示，鉴于近期贵金属市场风险显著增加，自2月 27日收盘清算时起，该行代理个人客户Au（T+D）、mAu（T+D）、Au（T+N1）、Au （T+N2）、NYAuTN06、NYAuTN12等合约的标准交易保证金比例由80%调整为100%，差 异化保证金作同向、同幅度调整。 此次调整后，相关业务杠杆由1.25倍降至1倍，此意味着，交易价值100万元的合约，此前仅 需80万元保证金（杠杆为1.25倍），如今则需要足额100万元保证金（杠杆为1倍），投资者 必须以全额资金参与交易。 国有大行频繁出手，延期合约保证金比例升至100% 商业银行持续收紧个人贵金属交易业务管控，2月25日，工商银行发布公告称，鉴于近期贵 金属市场风险显著增加，为切实保护投资者利益，根据相关风控要求，该行将对代理个人客 户延期合约的交易保证金比例进行调整。 自2026年2月27日（星期五）收盘清算时起，该行代理个人客 ...

（来源：河北新闻网） 转自：河北新闻网 河北数字工商联平台帮助34.8万户企业获得银行授信2523.18亿元 民企信用画像，让融资更高效 2月3日，省工商联工作人员向参观者讲解河北数字工商联平台有关情况。省工商联供图 日前，随着300万元贷款到账，石家庄超硕地坪工程有限公司（以下简称"超硕地坪工程"）董事长史有明悬着的心 终于落了下来。 "这笔贷款真是'及时雨'，不仅缓解了企业的周转压力，也让我们有底气继续深耕地坪行业市场，持续扩大生产规 模。"史有明说。 超硕地坪工程是集地坪材料研发、工程设计施工于一体的高新技术企业。前不久，该企业在马来西亚、阿曼和国 内的多个项目同时开工，由于部分客户的款项没能按时支付到位，遇到了资金难题。 但一些民企在发展过程中仍然存在融资难、贷款贵等问题。省工商联有关负责人分析，其主要原因为，部分企业 财务管理不规范，缺乏销售收入等可信数据；部分不注重信用建设，存在信用缺失等问题；民营小微企业缺乏可 变现资产，抵押物不足。 与此同时，面对数量庞大的民营企业，银行需要筛选出那些信用度高、经营稳健、财务信息可靠、有发展前景、 政企关系良好的企业，耗时耗力，无法及时给企业提供贷款。 "停止 ...

| 序号 | 名称 | 港股代码 | 最新价 | 涨跌额 | 涨跌幅 | ADR代码 | ADR换算价(HKD) | 较港股升跌 | 较港股升跌% | ADR最新价(美元) ADI | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 1 | 腾讯控股 | 0 00700 | 518.000 | +6.000 | 1.17% | TCEHY | 513.995 | -4.005 | -0.77% | 65.700 | | 2 | 阿里巴巴-W | 09988 | 142.900 | -0.100 | -0.07% | BABA | 140.928 | -1.972 | -1.38% | 144.110 | | 3 | 汇丰控股 | 00005 | 147.300 | +2.300 | 1.59% | HSBC | 145.765 | -1.535 | -1.04% | 93.160 | | 4 | 建设银行 | 00939 | 7.990 | -0.010 | -0.13% | CICHY | 7.933 | -0.05 ...

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have released a list of 21 systemically important banks in China, which includes 5 city commercial banks, aiming to enhance macro-prudential management and regulatory oversight [1][7]. Group 1: Regulatory Requirements - The selected banks will face higher regulatory requirements, including increased capital thresholds ranging from 0.25% to 1.5% in additional capital requirements, which must be in the form of core Tier 1 capital [3][6]. - The banks will also need to develop detailed recovery and resolution plans (RRP), enhancing their governance, risk management, and data governance capabilities [3][4]. Group 2: Impact on Banking Operations - The operational behaviors of the selected banks will be scrutinized more closely, focusing on their business scale, complexity, interconnections, and substitutability to prevent risk concentration [4][5]. - The inclusion in the list will drive internal management upgrades, requiring banks to invest in risk measurement, stress testing, data aggregation, and corporate governance [4][10]. Group 3: Market Perception and Financing Costs - Inclusion in the list may enhance the market reputation and customer confidence of the banks, but the higher regulatory demands could impact their profitability metrics in the short term [6][8]. - The dynamic nature of the assessment system suggests that more qualifying small and medium-sized banks may enter the list in the future, depending on their operational behaviors [8][9]. Group 4: Governance and Risk Culture - Strengthening corporate governance and risk culture is essential, with a focus on establishing effective boards and risk management committees within the systemically important banks [10]. - The effectiveness of macro-prudential management relies on a comprehensive regulatory framework that includes identification, monitoring, and resolution processes [10].

Group 1: Core Insights - The Chinese government emphasizes the need for high-level opening-up to promote high-quality development and create a new development pattern, as highlighted in the 20th Central Committee's Fourth Plenary Session [1] - Local government work reports consistently prioritize "expanding high-level opening-up" as a key task for economic and social development [1][2][3] Group 2: Regional Initiatives - Shenzhen's 2026 government work report focuses on enhancing internationalization and open capabilities, promoting high-quality international economic cooperation, and deepening bilateral investment [2] - Heilongjiang's report identifies high-level opening-up as a critical task for the 14th Five-Year Plan, aiming to create a new high ground for northern opening and enhance international economic cooperation [3] - Shandong's report emphasizes trade innovation and the development of new markets, aiming to stabilize traditional markets while expanding into emerging ones [3] Group 3: Financial Sector Support - Financial institutions like Industrial and Commercial Bank of China and Bank of China are enhancing their service capabilities for export and multinational enterprises to improve domestic companies' competitiveness in international markets [1][6] - Banks are focusing on providing comprehensive financial solutions for cross-border operations, including international trade financing and cross-border loans [6][7] - The demand for cross-border financial services is increasing, prompting banks to innovate and adapt their service models to meet the diverse needs of enterprises [7][8]

构建常态化防贫机制 "《意见》不再局限于短期改革或特定产业支持，而是强调构建常态化金融支持机制，特别突出防止返 贫致贫和乡村全面振兴的长期性，明确提出健全重点人群开发式帮扶长效机制、调整优化小额信贷政 策，并坚持新增资金和服务优先向乡村振兴重点帮扶县倾斜，还加大对民族地区、革命老区和边疆地区 的资源倾斜。"中国普惠金融研究院研究员龙俞安认为，这是一种从"应急式"向"制度化"的转变，在脱 贫攻坚过渡期即将结束的阶段，单纯的短期性帮扶已不足以应对潜在风险，需要常态化机制来守住底 线、激发内生动力。 在助力防止返贫致贫方面，银行已开始探索。以农业银行（601288.SH）为例，该行严格落实"四个不 摘"要求，在国家乡村振兴重点帮扶县及原"三区三州"地区，建立"一县一档案"工作机制，精准掌握脱 贫地区金融需求，分层分类制定帮扶目标，健全完善长效帮扶体系，积极推广脱贫人口小额信贷、"富 民贷"等特色产品，为广大农户特别是脱贫户、边缘易致贫户增收致富提供金融支撑。截至2025年9月 末，农业银行精准帮扶贷款余额6033亿元，支持近92万脱贫人口发展生产，带动近380万脱贫人口实现 就业增收；"富民贷"余额1292亿元，助 ...

Core Viewpoint - The recent increase in risk within the precious metals market has led several major state-owned banks in China to adjust the margin requirements for personal clients trading on the Shanghai Gold Exchange [1][2]. Group 1: Margin Requirement Adjustments - On February 24, the Bank of China announced adjustments to the margin requirements and price fluctuation limits for personal clients trading gold and silver deferred contracts [1]. - Agricultural Bank of China stated that starting from February 26, 2026, the margin requirement for Au (T+D), mAu (T+D), and Ag (T+D) contracts will be increased from 80% to 100% [1]. - Industrial and Commercial Bank of China (ICBC) also announced that from February 27, 2026, the margin requirement for various gold and silver contracts will be raised to 100% [1]. Group 2: Rationale Behind Adjustments - ICBC's customer service indicated that the adjustment to a 100% margin requirement is a response to significant price volatility in the domestic and international precious metals markets, aimed at mitigating market risk and protecting investors [2]. - The increase in margin requirements effectively reduces the leverage available to traders, meaning that for a contract valued at 1 million yuan, the required margin will increase from 800,000 yuan to 1 million yuan [2]. - Financial expert Tian Lihui noted that the current international gold prices are at historically high levels, influenced by global "reflation" expectations, geopolitical risk premiums, and the reassessment of U.S. dollar credit, with banks raising margins to create necessary risk buffers and curb potential speculative bubbles [2].

银行行业 行业研究 | 动态跟踪 净利润增速转正，息差阶段性企稳 ——25Q4 银行业监管指标数据点评 核心观点 ⚫ 投资建议与投资标的 ⚫ 2026 年银行板块有望回归基本面叙事："十五五"开局之年，政策性金融工具加持 下资产扩张仍有韧性；仍处于存款集中重定价周期，支撑净息差有望企稳；结构性 风险暴露仍期待有政策托底。2026 年，保险行业将系统性执行 I9，公募考核新规的 中长期引导效应也有望显现，我们看好 2026 年银行板块绝对收益。现阶段关注两条 投资主线： 1、基本面确定的优质中小行，相关标的：南京银行(601009，买入)、宁波银行 (002142，买入)、渝农商行(601077，买入)； 2、基本面稳健、具备较好防御价值的国有大行，相关标的：交通银行(601328，未 评级)、工商银行(601398，未评级)。 风险提示 经济复苏不及预期；房地产等重点领域风险蔓延；流动性环境超预期收紧。 有关分析师的申明，见本报告最后部分。其他重要信息披露见分析师申明之后部分，或请与您的投资代表联系。并请阅读本证券研究报告最后一页的免责申明。 国家/地区 中国 行业 银行行业 报告发布日期 2026 年 02 ...

在今年存款利率持续下行、大量高息定存集中到期的双重压力下，年初银行揽储呈现出分化态势。一边 是国有大行"按兵不动"，战略性放弃价格战，转而通过资产提升活动争夺客户的综合金融资产；另一边 是城商行、农商行逆势上调存款利率，甚至推出"存款送路费"等花式营销。这一"冷"一"热"的背后，既 是银行业净息差收窄下的现实抉择，也是从"规模扩张"向"财富管理"转型的缩影。 储户：从"抢存单"到"问理财" 春节过后，往往是银行揽储的黄金窗口期，但今年一线从业者感受到的却是另一番景象。华南地区一股 份行理财经理向记者坦言："客户对传统定期存款热情明显下降，更多人开始咨询理财、固收+等替代 产品。"这一微观变化，折射出今年"开门红"的深层转向。 中国人民银行最新发布的金融数据印证了这一趋势：1月住户存款增加2.13万亿元，但与2025年同期相 比，同比少增3.39万亿元；而非银行业金融机构存款则同比多增2.56万亿元。中国银河证券研报进一步 指出，居民存款增速与M2增速差值时隔7年半首次转负，这意味着居民资金正从单纯存款需求向多元资 产配置迁移。 这一现象的背后是存款利率持续下行。有储户对记者展示了2023年的存单——当时三年期 ...