2月23日（正月初七），从老家返京的程程和妈妈兴致勃勃地来到银行，办理了自己人生的第一笔存款业务。过去，程程的压岁钱往往以两种方式终结：要 么被父母"代管"后悄然并入家庭日常开支，要么静静躺在钱包里，没有任何升值。 程程妈妈登陆小京卡（北京银行发行的儿童借记卡）管理账户，发现孩子名下的钱比大人的钱更"值钱"。 在北京银行针对儿童客群推出的"小京卡"及"小京压岁宝"专区，小京卡用户3年期定存利率为1.75%，起存金额1000元，最大存入金额50万元；2年期和1年期 定存利率分别为1.60%、1.50%，起存金额同样为1000元。 程程妈妈查询北京银行官网发现，该行3年期整存整取挂牌利率为1.30%。这意味着，如果把程程1万元的压岁钱存入小京卡，3年后到期利息可达525元，比 大人的定存利息高出不少。 由于手头恰好有2万元闲置资金，程程妈妈萌生了一个念头，何不一起存入孩子的小京压岁宝账户？返京第一天，程程妈妈便带着孩子来到银行，将3万元都 存入了孩子的银行账户，3年到期后，利息可达1575元。 其实，程程们的选择有很多。 每逢春节前后，金融机构都会盯上儿童的压岁钱。马年春节的一大看点就是，多家银行推出了儿童专属存 ...

该基金在基金合同生效三年后继续存续的，基金存续期内，连续50个工作日出现基金份额持有人数量不 满200人或基金资产净值低于5000万元情形的，该基金将根据基金合同的约定进行基金财产清算并终止，且无 需召开基金份额持有人大会，同时基金管理人应履行相关的监管报告和信息披露程序。法律法规或监管机构 另有规定时，从其规定。" 中国经济网北京2月24日讯 近日，博时基金发布博时富盛纯债一年定期开放债券型发起式证券投资基金 清算报告。 报告称，博时富盛纯债一年定期开放债券型发起式证券投资基金经向中国证监会备案，《基金合同》于 2020年7月16日正式生效，基金管理人为博时基金管理有限公司，基金托管人为平安银行股份有限公司。 根据《基金合同》"第五部分基金备案"之"三、基金存续期内的基金份额持有人数量和资产规模"约 定："该基金的基金合同生效之日起三年后的对应日，若基金资产净值低于两亿元的，该基金将根据基金合同 的约定进行基金财产清算并终止，无需召开基金份额持有人大会审议，且不得通过召开基金份额持有人大会 的方式延续。若届时的法律法规或中国证监会规定发生变化，上述终止规定被取消、更改或补充时，则该基 金可以参照届时有效的法 ...

声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 天眼查资料显示，平安银行股份有限公司，成立于1987年，位于深圳市，是一家以从事货币金融服务为 主的企业。企业注册资本1142489.4787万人民币。通过天眼查大数据分析，平安银行股份有限公司共对 外投资了11家企业，参与招投标项目1030次，财产线索方面有商标信息497条，专利信息4652条，此外 企业还拥有行政许可71个。 国家知识产权局信息显示，平安银行股份有限公司取得一项名为"一种铭牌VIN码识别方法、装置、存 储介质及设备"的专利，授权公告号CN116994267B，申请日期为2023年7月。 ...

做跨境电商的卖家，恐怕都有过这样的焦虑：货物发往海外，要等1-2个月才能收到回款，期间新订单备货、供应链补款、物流费结算全卡壳，在 途资金占压成了业务扩张的最大瓶颈。近日，随着跨境物流时效波动加大，在途融资需求持续攀升，究竟哪家机构更专业靠谱？我们对比了头部 机构的服务差异： 某安银行作为传统金融机构，资金实力雄厚，风控体系成熟，但审批流程相对繁琐，需卖家提供较多线下证明材料，放款周期一般在3-5个工作 日，对资金周转效率要求高的中小卖家来说，灵活性略显不足，更适合大型外贸企业。 其服务网络覆盖223个国家和地区，联动外综、物流、支付机构形成服务闭环，支持多币种融资，适配Amazon、Shopify、Lazada等多平台卖家， 尤其在东南亚、拉美等新兴市场的物流路线覆盖上优势明显。目前掌金数据正与亚马逊全球智能枢纽仓（GWD）推进深度合作，未来可提供物流 +融资的一体化解决方案，不少新兴市场卖家反馈，其对中小卖家的"精准滴灌"更接地气。 2. 蚂蚁集团跨境金融：支付生态绑定性强 依托 某宝的支付生态，蚂蚁跨境金融的优势在于支付数据联动，流程相对顺畅，但服务更多偏向 某里系平台（速卖通、Lazada）卖家，对独 ...

证券研究报告·宏观报告·宏观周报 金融产品周报 20260207 海外市场流动性有企稳迹象，情绪或会好转 【勘误版】 [Table_Summary] 基金规模统计：（2026.2.2-2026.2.6） 市场行情展望：（2026.2.9-2026.2.13） 基金配置建议： 2026 年 02 月 24 日 《商品流动性冲击之后，哪些品种被 "错杀"？》 2026-02-04 《黄金 ETF，2026 年 1 月复盘与 2 月 证券分析师 芦哲 展望》 执业证书：S0600524110003 luzhe@dwzq.com.cn 证券分析师 唐遥衎 2026-02-03 执业证书：S0600524120016 东吴证券研究所 1 / 20 tangyk@dwzq.com.cn 相关研究 请务必阅读正文之后的免责声明部分 [Table_Tag] ◼ 权益类 ETF 基金规模变化统计：规模变化排名前三名的权益类 ETF 类 型分别为：规模指数 ETF（154.06 亿元），跨境行业指数 ETF（66.24 亿 元），策略指数 ETF（53.71 亿元）；基金规模变化排名后三名的权益 类 ETF 类型分别为：跨境规模 ...

Group 1 - The core viewpoint of the news is that the Loan Prime Rate (LPR) in China has remained unchanged for nine consecutive months, with the one-year rate at 3.0% and the five-year rate at 3.5%, aligning with market expectations [3] - The stability in LPR is attributed to the unchanged policy interest rates and the lack of motivation for banks to lower LPR due to the historical low net interest margin of 1.42% [3] - The macroeconomic environment is expected to support the current monetary policy, with strong exports and growth in high-tech manufacturing contributing to the stability of the economy [3] Group 2 - In January 2026, the central bank plans to implement a structural monetary policy to support key sectors like technology and small enterprises, indicating a period of observation for monetary policy [4] - High-frequency data suggests that exports will remain strong in the first quarter of 2026, which supports the current monetary policy stance [4] - There is a potential for a comprehensive policy rate cut in the second quarter of 2026, which could lead to a decrease in LPR and lower loan rates for businesses and residents, aimed at boosting consumption and investment [4]

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have conducted the 2025 assessment of systemically important banks, identifying 21 domestic banks categorized into five groups based on their systemic importance scores [1] Group 1: Assessment of Systemically Important Banks - A total of 21 domestic systemically important banks have been recognized, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1] - The banks are divided into five groups based on their systemic importance scores, with the first group consisting of 11 banks, the second group having 4 banks, the third group with 2 banks, the fourth group containing 4 banks, and the fifth group having no banks [1] Group 2: Breakdown of Bank Groups - The first group includes: China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Jiangsu Bank, Beijing Bank, Nanjing Bank, Guangfa Bank, Zheshang Bank, and Shanghai Bank [1] - The second group consists of: Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, and China Postal Savings Bank [1] - The third group includes: Bank of Communications and China Merchants Bank [1] - The fourth group comprises: Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China [1] - The fifth group currently has no banks included [1] Group 3: Future Regulatory Actions - The People's Bank of China and the National Financial Regulatory Administration will implement additional regulatory measures for systemically important banks according to the "Regulations on Additional Supervision of Systemically Important Banks (Trial)" [1] - The aim is to enhance the synergy between macro-prudential management and micro-prudential supervision, ensuring the safe and sound operation of systemically important banks [1] - This initiative is intended to better support the high-quality development of the real economy [1]

声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 国家知识产权局信息显示，平安银行股份有限公司取得一项名为"银行影像识别模型的训练方法、装 置、设备及存储介质"的专利，授权公告号CN116740496B，申请日期为2023年6月。 来源：市场资讯 天眼查资料显示，平安银行股份有限公司，成立于1987年，位于深圳市，是一家以从事货币金融服务为 主的企业。企业注册资本1142489.4787万人民币。通过天眼查大数据分析，平安银行股份有限公司共对 外投资了11家企业，参与招投标项目1034次，财产线索方面有商标信息497条，专利信息4652条，此外 企业还拥有行政许可71个。 ...

Core Insights - The domestic gold market is experiencing adjustments, with retail prices remaining strong while wholesale prices are more affordable [1] - The recovery price for gold is steadily increasing, indicating a stable demand for high-purity gold [6] Brand Gold Store Prices - Major brands' gold prices per gram are as follows: - Chow Tai Fook: 1545.00 CNY - Chow Sang Sang: 1562.00 CNY - King of Gold: 1545.00 CNY - Xie Ruilin: 1545.00 CNY - Lao Feng Xiang: 1518.00 CNY - Lao Miao Gold: 1598.00 CNY - Cai Bai Jewelry: 1505.00 CNY - China Gold: 1505.00 CNY [1][2][3][4] Regional Price Differences - In Shenzhen, wholesale prices are as follows: - Gold 999: 1298.00 CNY - High purity gold 999.9: 1299.00 CNY - Gold bars: 1298.00 CNY - Prices in first-tier cities like Beijing, Shanghai, and Guangzhou vary slightly, with Shanghai's Chow Tai Fook at 1545.00 CNY and Guangzhou's Lao Feng Xiang at 1518.00 CNY [4] Investment Gold Prices - Bank gold bars are priced at 1155.00 CNY per gram, with recovery prices around 1100.00 CNY depending on purity [5][9] Gold Recovery Prices - The current base recovery price for gold with a purity of 99.9% or higher is 1100.00 CNY per gram, with several brands also offering the same recovery price [6][8]

Group 1 - The core point of the article highlights the significant rise in gold prices, with spot gold reaching $5098.5 per ounce, leading to increased activity in the gold jewelry, bars, and commemorative coin markets [1] - Major cities in China are seeing high gold jewelry prices, with examples including Zhangjiakou Chow Tai Fook at 1545 yuan per gram and a total price of 43260 yuan for a 28-gram piece [1][2] - The price of gold bars from various banks shows fluctuations, with Industrial and Commercial Bank of China’s gold bar priced at 1156.72 yuan per gram, making it the highest among competitors [3][4] Group 2 - International gold prices have rebounded strongly, with spot gold returning to $5100 per ounce, driven by geopolitical tensions, expectations of a Federal Reserve rate cut, and increased gold reserves by global central banks [8] - In 2025, global central bank net gold purchases reached 863 tons, a significant year-on-year increase, indicating strong demand from official institutions [8] - Alipay's recent promotional activity reflects the enduring symbolic value of gold as a representation of wealth in public perception [9] Group 3 - The 2026 edition of the Panda gold set is priced at 68574 yuan, with individual coins varying in price based on weight, indicating a blend of investment and collectible value [11][12] - The market for gold and silver commemorative coins is also active, with prices fluctuating alongside gold prices, showcasing the dual nature of these products as both investment and collectible items [12]