Group 1 - The A-share banking sector remains active, with the China Securities Banking Index rising over 1% during the afternoon session on January 13, 2023, driven by significant gains in stocks such as Agricultural Bank of China, Hangzhou Bank, Chongqing Rural Commercial Bank, CITIC Bank, and Nanjing Bank [1] - The Tianhong Bank ETF (515290) has seen a trading volume exceeding 38 million yuan, indicating premium trading activity, and it encompasses 42 listed banks in A-shares, covering the entire spectrum of state-owned banks, joint-stock banks, and city commercial banks [1] - The People's Bank of China emphasized key priorities for 2026, including strict governance, effective implementation of moderately loose monetary policy, financial reform, and risk prevention [1] Group 2 - Following the recent dividend distributions, including Postal Savings Bank on January 12, Jiangsu Bank and China Merchants Bank are set to distribute dividends on January 14 and January 16, respectively, with Jiangsu Bank offering 0.3309 yuan per share (totaling 6.072 billion yuan) and China Merchants Bank offering 1.013 yuan per share (totaling approximately 20.897 billion yuan) [2] - Over half of the 42 listed banks in A-shares have implemented mid-term dividends for 2025, signaling robust profitability in the banking sector [2] - Analysts from Zheshang Securities anticipate a return to positive growth in net interest income for banks, while Longjiang Securities projects stable earnings growth for mainstream banks in 2026, highlighting the increased attractiveness of the PB-ROE valuation post-recent adjustments [2]

在论坛上，宁波市人工智能局王青燕副局长详细解读宁波市人工智能创新发展行动方案，特邀嘉宾均胜 电子（600699）雷雄博士分享了企业在技术创新、全球化布局方面的实践经验，协同单位中信银行国际 业务部许晓阳副处长介绍了跨境金融综合解决方案。 三场平行分论坛同时召开，分别围绕"中资企业出海及服务""具身智能""新材料"三大主题，邀请中信证 券研究部行业分析师和投行华东一部，中信证券国际财富管理（香港），合作企业华立集团、立昂微 （605358）、美湖股份（603319）、华翔启源、兆丰股份（300695）、博威合金（601137）等上市公 司，嘉御资本、尚颀资本、中信金石等股权投资机构，展开行业相关专题研讨。 此次论坛作为"十五五"开篇之年中信协同举办的重要活动，进一步提升了"中信联合舰队"在区域市场的 品牌知名度与市场影响力。下一步，中信证券浙江分公司将持续发挥中信协同优势，以优质金融服务赋 能浙江经济高质量发展，为企业出海贡献坚实的中信力量。 1月8日，中信证券（600030）浙江分公司及中信银行（601998）宁波分行成功举办科技产业与出海主题 论坛。论坛以"AI 赋能产业升级'甬'拓出海启新征程"为主题，聚 ...

Core Viewpoint - The market experienced a broad fluctuation with all three major indices closing lower, while the Dividend Low Volatility ETF (512890) rose by 0.60% to 1.171 yuan, leading its category in trading volume [1][7]. ETF Performance - The Dividend Low Volatility ETF (512890) reported a price of 1.171 yuan, with a trading volume of 4.93 billion yuan and a turnover rate of 1.86% [2][4]. - Over the past five trading days, the ETF has seen a net outflow of 380 million yuan, but a net inflow of 1.58 billion yuan over the last 20 days and 3.67 billion yuan over the last 60 days [3][9]. Top Holdings - The top ten holdings of the Dividend Low Volatility ETF showed mixed performance, with notable movements including: - COFCO Sugar down by 1.48% - Nanjing Bank up by 2.14% - Agricultural Bank up by 1.46% [2][8]. Institutional Insights - China Galaxy Securities noted that the spring market rally continues, emphasizing the importance of annual performance forecasts and economic data to support fundamentals, while policy expectations for the "14th Five-Year Plan" may boost market confidence [4][11]. - Cinda Securities highlighted that increased trading volume reflects a recovery in risk appetite, with institutional funds entering the market, suggesting a focus on sectors with price increase expectations and performance support [5][11]. Fund Characteristics - The Dividend Low Volatility ETF (512890) was established on December 19, 2018, with a benchmark of the CSI Dividend Low Volatility Index. As of January 12, 2026, it has achieved a total return of 132.74%, outperforming its benchmark [5][11].

Core Viewpoint - CITIC Bank (601998) announced a system upgrade maintenance scheduled from January 18, 2026, 00:00 to January 18, 2026, 07:00, aimed at providing better and more convenient services [1] Group 1: Service Impact - During the maintenance period, various banking services including personal and corporate deposits, transfers, payments, loan disbursements, wealth management, account balance inquiries, collateral management, credit limit approvals, and services through the pension financial service platform will experience temporary interruptions [1] - Customers are advised to consult CITIC Bank's 24-hour customer service hotline at 95558 for any inquiries during this period [1]

Group 1 - The company, Muyuan Foods Co., Ltd. (牧原股份), successfully issued the first phase of its 2026 technology innovation bonds [1] - The bond issuance took place on January 7, with a total scale of 500 million RMB, and the funds were fully received by January 9 [1] - The bond, named "26 Muyuan Foods MTN001 (科技创新债)", has a term of 2 years, with an interest rate of 2.23% and a face value price of 100 RMB per 100 RMB [1] Group 2 - The main underwriter for the bond issuance was CITIC Bank, with joint lead underwriters being China Merchants Bank and Industrial Bank [1]

（文章来源：证券日报） 证券日报网讯 1月12日，协创数据发布公告称，控股股东协创智慧科技有限公司将其所持公司11500000 股股份质押给中信银行深圳分行。 ...

新年伊始，工行、农行等多家银行密集推出了资产提升活动，即月日均金融资产提升至一定规模后，可 享受对应档位的活动奖励，如商品兑换豆、微信立减金等。不只是大行，多家城商行及农商行也在近期 纷纷推出相关活动的宣传海报。 值得注意的是，多数银行都注明了金融资产包括存款、理财、基金、保险、国债等。 活动密集上线背后，是银行持续发力零售AUM（资产管理规模），希望借此增强客户黏性。 资产提升活动密集开展 据农行零售银行公众号1月6日消息，即日起至3月31日，农行掌银注册用户可参加该行"资产提升有 礼"活动。其中一季度1月场次的活动内容是1月月日均金融资产较去年12月月日均金融资产提升，可抽 取对应档位的奖励。从活动的档位设置来看，资产提升的最低门槛为10万元，达标权益为52000小豆， 小豆可用于兑换商品。 不只是大行，城商行及农商行也在近期推出类似的资产提升活动。 据上海银行官微消息，今年1月至3月，持该行借记卡的客户可参与2026财富悦升有礼活动，每月达标客 户需同时满足两个条件，一是当月资产月日均达到30万元，二是当月资产月日均较前三月资产月日均最 大值提升达到5万元。每月达标客户可在次月参与领奖或抽奖，单月最高有 ...

截至1月12日9点13分，黄金价格再续涨势，现货黄金首次站上4600美元大关，日内涨超2%，新年首月累计上涨280美元。 黄金价格呈现持续上涨态势，同时交易风险陡增。中国银行、工商银行两家国有大行，接连发布相关黄金交易提示或规则调整，提醒投资者注意风险。 | 腾讯理财通 | | | 0 | | --- | --- | --- | --- | | 直金专区 | | | | | 避险抗通胀,长期配黄金 | | | | | 金价到达提醒价位通知你 | | | 订阅提醒 | | 国内现货 国际现货 | | 黄金实物 | | | 品牌 银行 | 回收 | | | | 品牌 | | 价格(元/克) 日涨跌幅 | | | 周大福 | | 1426 | +1.42% | | 老凤祥 | | 1428 | +2.07% | | 周六福 | | 1411 | +1.44% | | 周生生 | | 1429 | +1.35% | | 六福珠宝 | | 1424 | +1.42% | | 我支撑 | | 1424 | +1.42% | | 老庙 | | 1429 | +1.56% | 截图时间：2026年1月12日 银行积存金业务因 ...

Core Insights - A significant trend has emerged in the domestic financial market, where multiple rural banks and credit cooperatives have announced the closure of debit card overseas transaction functions due to risks associated with overseas fraud [1][2][3] - This move has sparked widespread discussion regarding the cross-border financial operations of small and medium-sized banks, highlighting the challenges they face in re-entering overseas transaction markets once they exit [1][3] Group 1: Closure of Overseas Transaction Functions - As of January 13, 2026, at least 10 small and medium-sized banks have explicitly announced the closure of their debit card overseas transaction functions, primarily among rural banks, with a nationwide distribution across several provinces [1][2] - The closure affects three main categories of overseas transactions: ATM cash withdrawals, POS card payments at physical merchants, and certain online cross-border payment services [2][3] - Different banks have adopted varying strategies for closure, with some implementing a blanket ban while others allow customers to request reactivation of services based on actual needs [3][4] Group 2: Customer Impact and Feedback - For the majority of rural bank customers, the impact of closing overseas transaction functions is negligible, as their customer base primarily consists of rural residents with minimal overseas travel or spending needs [3][4] - Feedback on social media indicates a low level of concern among users, with many stating that the closure does not affect their daily financial activities [4][5] - A small number of users with cross-border needs expressed inconvenience, but overall complaints were minimal, suggesting that the closure aligns with the actual usage patterns of these banks' customer bases [5][6] Group 3: Risk Management and Compliance - The closure of overseas transaction functions is seen as a proactive measure to mitigate risks associated with overseas fraud, which has been a growing concern for both small and large banks [7][8] - Large banks have adopted more sophisticated risk management strategies, while small banks struggle with inadequate technology and expertise to handle complex fraud risks [8][9] - New regulations effective January 1, 2026, requiring identity verification for certain cross-border transactions, further complicate the operational landscape for small banks, increasing compliance costs [8][9] Group 4: Future of Cross-Border Business - Despite the current closures, there remains potential value in cross-border financial services for small banks, particularly if they can align their offerings with local economic needs [9][10] - Future opportunities for re-entering cross-border business will depend on the development of robust risk management systems, clear market positioning, and sustainable profit models [10][11] - The transition back into cross-border services will require a phased approach, focusing on pilot programs and gradual expansion once the necessary conditions are met [11]

Group 1 - UBS SDIC Fund Management Co., Ltd increased its stake in CITIC Bank (601998) by acquiring 80,272,686 shares at a price of HKD 7.05 per share, totaling approximately HKD 566 million [1] - Following the acquisition, UBS SDIC's total shareholding in CITIC Bank reached approximately 1.203 billion shares, representing a holding percentage of 8.08% [1]