金价可能大跌开始了，2026年2月24日黄金跌价 黄金市场跌势开启，大跌行情或已到来！ 2月24日，国内金价高位回落，全国各类珠宝店同步下调金价，足金999价位回落明显，你最近打算买金饰或投资 金条，现在可能是观望的好时机！ 国际行情高位震荡，国内跟跌 国际现货黄金报5153.8美元/盎司，国内黄金价格1156.0元/克，香港金价57850港币/两。 中国黄金基础金价1156.0元/克，黄金回收价格1110元/克，上海黄金交易所数据显示，今日金价1109.99元，较前一交易日下跌1.13%，黄金价格1108.50元， 暴跌1.28%，足金9999报1109.00元，下跌1.20%。 沪金95更是大跌3.25%，报1080.05元，铂金价格526.03元，下跌2.77%，这波跌势来得突然，让不少追涨的买家措手不及！ 品牌金店全国同步下调，菜百最实惠 今天各大品牌金店金价普遍回落： 周生生：1550元/克，较昨日下降12元。 周大福：1545元/克，与昨日持平。 六福珠宝：1543元/克，价格稳定。 金至尊、潮宏基、谢瑞麟、周大生：1545元/克，维持不变。 周六福：1540元/克。 深圳水贝批发市场金价1336 ...

文章称，从个股表现来看，2025蛇年共有32只银行股飘红，涨幅TOP3为青岛银行、厦门银行、农 业银行，涨幅均在30%以上；涨幅垫底的是光大银行、北京银行、华夏银行，最大跌幅超过10%。 (责任编辑：关婧) 标签： 交通 交通银行 市值 华夏银行 北京银行 【资料图】 中国经济网北京2月25日讯 第一财经近日发布文章《蛇年收官！银行股14万亿市值背后几家欢喜几 家愁》。文章称，2025蛇年，共有10只银行股飘绿。聚焦国有大行，虽然板块轮动背景下各大行股价均 有不同程度回调，但全年有4只飘红，邮储银行、交通银行收跌。 图表显示，交通银行蛇年股价跌幅3.74%，居国有行跌幅第一，居A股42只银行股跌幅第五。 ...

今年是"十五五"开局之年。新年伊始，广东省、广州市高质量发展大会相继召开，擘画经济高质量发展 新蓝图。 立足新起点，奋进新征程。邮储银行广州市分行因势而变、顺势而行，始终坚守服务"三农"、城乡居民 和中小企业的战略定位，以"更加普惠、更加均衡、更加稳健、更加智慧、更具活力"为目标，传递和践 行"绿色让生活更美好"的主张，写好科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文 章"，持续增强服务广州市经济高质量发展的能力，为广州市经济高质量发展贡献"邮储力量"。 锚定科技金融为创新发展聚力赋能 "在年度结算中，邮储银行为我们成功开立数亿元银行承兑汇票，大大减轻资本占用，资金使用效率得 到有效提高。"佳都科技集团股份有限公司（以下简称"佳都科技"）相关负责人提到邮储银行的金融服 务时赞不绝口。 去年11月，佳都科技与西门子、工控国际共同设立合资公司，佳都科技的知行交通大模型正在被越来越 多国际巨头认可，进驻各类车站闸机、售票机及车站计算机系统。在企业勇攀高峰的背后，邮储银行广 州市分行根据企业具体情况成立产业链专项小组对企业进行深入的剖析及走访，从产业的发展前景、相 关政策支持力度、企业的发展规划等方面进 ...

月24日，位于一师阿拉尔市的新疆锦域纺织有限公司纺纱生产线高效运转，工人加紧赶制订单产品。兵 团日报全媒体记者 王志清 摄 ●兵团日报全媒体记者 沈元赓 王素凡 刘美惠子 人勤春早 沃野欢歌 这个春节假期，香甜可口的草莓备受消费者青睐，成为不少家庭餐桌上的节日"标配"。 2月24日一大早，十二师农科所检测中心主任史芳芳便一头扎进了草莓种植大棚，查看草莓长势，指导 种植户科学管护。研究草莓14年的史芳芳及其团队攻克的草莓脱毒种苗繁育及高效栽培技术，已带动 300余户种植户实现增收致富，相关产业综合产值突破4000万元。 "科技护航、品质为先，我们就是要让消费者的'菜篮子''果盘子'更丰富，吃得更安心。"史芳芳说道。 人勤春来早，奋进正当时。 气温日渐回暖，十四师二二四团三连党支部书记、连管会指导员陈宏一大早就直奔枣园，拿起修剪工 具，为枣树整形修剪、疏密改造。 陈宏介绍，眼下正是枣树生长关键期，连队将组织开展农业技术培训，在耕、种、管、收等各生产环节 下功夫，帮助更多职工群众掌握种植技术，稳步提升红枣产量和品质。 2月24日上午，二师三〇团八连退休职工谢瑞银送走一批购买农资的顾客后，拿出账本细细盘点收支情 况。 ...

Core Viewpoint - Multiple banks are launching specialized deposit products for children's New Year money, such as "压岁宝" and "儿童存单," to attract market attention amid narrowing net interest margins and intensified deposit competition [1][2]. Group 1: Product Offerings - Banks are introducing children's deposit products with low minimum deposit amounts, some starting as low as 50 yuan, and interest rates generally higher than standard fixed-term deposits [1]. - For instance, 鄞州银行 offers a 3-year "儿童存单" with a maximum interest rate of 1.88% for new customers, while 北京银行's "小京压岁宝" has a 3-year annualized rate of 1.75% with a minimum deposit of 1,000 yuan [1]. - Other banks like 蒙商银行 and 北京农商行 are also providing competitive rates, with 北京农商行's rates for 1-year, 2-year, and 3-year terms being significantly higher than their standard rates [1]. Group 2: Financial Education and Services - In addition to deposit products, banks are launching account services tailored to children's financial education, such as 招商银行's "金小葵" for exclusive management of New Year money and 北京银行's "小京卡" for joint parent-child accounts [2]. - The focus on children's financial services indicates a strategic move by banks to cultivate customer loyalty from an early age and to create a comprehensive financial service ecosystem [2]. Group 3: Market Trends and Insights - The push into the children's financial market reflects the increasing competition in the financial sector, with banks aiming to establish a foundational customer base and secure a foothold in family financial services [2]. - As the demand for children's financial literacy continues to grow, banks are expected to enhance their product offerings and transition from seasonal marketing to regular services, including education fund planning and parent-child financial management [2].

Investment Rating - The report assigns a "Buy" rating for the banking sector, indicating an expectation of stock performance exceeding the market by more than 10% over the next 12 months [58]. Core Insights - In 2025, the banking sector's asset growth is projected to be 8.01%, an increase from 6.52% in 2024, driven by factors such as fiscal stimulus, cross-border capital inflows, and the activation of maturing deposits [5][13]. - The report identifies two key cycles affecting asset pricing in banking: the bank expansion cycle and the interest margin cycle, suggesting a comprehensive analysis of these cycles [5][13]. - The debt cycle is characterized as a fundamental aspect of the bank expansion cycle, with a model proposed by Dalio outlining seven stages of a typical debt cycle, which can be influenced by external debt reliance [16][19]. - The report anticipates limited upward space for the debt cycle in 2026, with government leverage expected to increase by 5.89%, lower than the 7.6% projected for 2025 [35][36]. - The banking interest margin cycle is expected to stabilize in 2025, following two complete cycles since 2010, with a correlation observed between bank interest margins and the 30Y-10Y government bond spread [41][45]. Summary by Sections Bank Expansion Cycle - The asset growth rates for different types of banks in 2025 are projected as follows: state-owned banks at 11%, joint-stock banks at 4.74%, city commercial banks at 9.68%, and rural commercial banks at 5.17%, all exceeding the average growth rate [5][13]. - The report emphasizes the importance of understanding the relationship between bank assets and liabilities, highlighting that credit and debt expansion are cyclical and self-reinforcing [15][16]. Debt Cycle Analysis - The report outlines that the current debt cycle, which began in 2022, has lasted 16 quarters, surpassing previous cycles, and indicates a shift in leverage dynamics among enterprises, government, and households [35][36]. - The analysis includes a comparison of deflationary and inflationary debt cycles, noting that the U.S. faces greater inflationary pressures due to higher external debt reliance compared to China [21][19]. Interest Margin Cycle - The report notes that the banking interest margin has experienced significant fluctuations since 2010, with a stabilization phase expected to begin in 2025 [41][45]. - It highlights the impact of loan repricing cycles on interest margins, with a notable decline in loan rates observed in recent years [49][50].

马年春节期间，多地政府、数字人民币运营机构开展了多样的数字人民币促消费红包发放、满减支付等 活动。业内人士表示，通过加载智能合约功能，数字人民币红包可充分满足复杂场景和灵活定制的消费 补贴政策需求，确保消费激励精准直达，为消费市场注入一份数字活力。 具体来看，从2月16日开始至2月底，交通银行持续开展"数字人民币月享节新春活动"，用户在支付宝、 淘宝、盒马、飞猪、高德等阿里系平台以及京东商城、美团、哈啰平台等场景选择使用交行数字人民币 钱包，可享16元消费券包、支付随机立减、幸运大转盘抽奖、1分乘地铁公交、积分兑换红包、新户红 包等多项优惠。 商务部、文化和旅游部、中国人民银行等9部门此前联合印发《2026"乐购新春"春节特别活动方案》 称，鼓励使用数字人民币智能合约消费红包，推动数字消费与实体消费深度融合。据业内专家介绍，数 字人民币智能合约可以根据政策要求，按约定时间及规则发放至消费者的数字人民币钱包，并根据约定 的交易时间、商户清单范围、消费金额等条件自动触发使用，持续提高消费补贴发放精准度，有力激发 消费市场潜力。 值得注意的是，数字人民币消费红包的背后，是数字人民币智能合约的广泛运用，这也成为数币钱 ...

近日，邮储银行海安市墩头支行立足乡镇网点老年客群占比较高的实际情况，主动作为，精准施策，集中开展了一系列以暖心服务助力银发经济的专项行 动。通过优化网点设施、筑牢反诈防线、延伸服务触角，为广大老年群体构建起一个有温度、有深度、有保障的金融服务生态环境，以实际行动诠释了国有 大行的责任与担当。 优化网点环境，打造适老服务"温馨港湾" 为给老年客户提供更加舒适、便捷的金融服务体验，邮储银行海安市墩头支行将网点适老化改造作为提升服务质量的"先手棋"。网点全面优化厅堂布局，增 设了无障碍通道，确保行动不便的客户能够顺畅出入；在等候区添置了舒适的"爱心座椅"，让老年客户坐得安稳、等得舒心。此外，网点内还配备了急救 箱、老花镜、放大镜等便民设施，并专门开辟了"银发服务专区"，老年客户在查阅业务资料、填写各类单据时，可以随时取用，有效解决了因视力不佳带来 的困扰。 语言是沟通的桥梁，更是传递关怀的纽带。考虑到当地老年客户多习惯使用方言交流，该支行在柜面服务中采取"普通话+方言"的双语服务模式。工作人员 在标准普通话服务的基础上，能够熟练切换至地方方言，用亲切的乡音与老年客户交流，耐心解答他们的疑问。这种接地气的服务方式，不 ...

Core Insights - Postal Savings Bank of China (PSBC) in Rudong County has reported a significant increase in small business loans, exceeding 200 million yuan as of February 10, 2026, indicating stable growth and high-quality development in this sector [1][2] Group 1: Business Strategy - The bank recognizes that serving small and micro enterprises is fundamental to its mission and has set clear goals for the year, breaking down tasks into actionable plans with a defined timeline and roadmap [1] - PSBC has implemented a collaborative service mechanism, extending its outreach to government departments, local communities, and industrial parks to enhance service delivery [1] Group 2: Service Efficiency - The bank has optimized its credit processes to provide "express" financial services, allowing for a one-month acceleration in loan disbursement for existing quality clients through pre-approval strategies [2] - For new clients, a dedicated follow-up mechanism has been established to streamline the loan process, ensuring that quality projects receive timely funding [2] Group 3: Commitment to Economic Development - PSBC is committed to translating national policies aimed at supporting enterprises into actionable services, effectively channeling financial resources to the grassroots level of small and micro businesses [2] - The bank aims to continuously innovate its service models and enhance service quality to contribute to the high-quality economic development of Rudong County [2]

2月24日，贵阳市住房公积金管理中心发布公告，将于近期开展"商转公"贷款业务，并于2月25日开放预 约。具体如下： 为确保"商转公"贷款业务办理公平、公正、公开，贵阳市住房公积金管理中心在"贵阳公积金"微信公众 号上搭建了"商转公"贷款业务预约平台，将于2026年2月25日上午9点正式开放预约。如需要办理该项业 务，请及时通过"贵阳公积金"微信公众号预约。 一、申请条件 本次开展"商转公"贷款业务，申请条件除需符合我中心住房公积金贷款一般规定外，申请时还应同时满 足以下条件： (一)申请人家庭在全国范围内从未使用过住房公积金贷款； (二)申请人从未在我中心成功办理过"商转公"贷款； (三)是原商业贷款的借款人和所购住房的产权人，产权人除配偶、未成年子女外无其他人； (四)原商业贷款为纯商业性个人住房贷款(不包括组合贷、贴息贷等)，且原贷款银行为我中心公积金贷 款承办银行并支持办理此业务； (五)原商业贷款已正常还款满1年且申请前12个月内无逾期记录； (六)抵押房产位于贵阳或贵安新区行政区域内，已取得不动产权证书； (七)除原商业贷款抵押外，未设立其他抵押，无查封、保全、设立居住权等权利限制。 二、预约方式 ...