"十五五"规划建议提出，要扩大高水平对外开放，开创合作共赢新局面。"旅游业作为世界经济的重要 产业，是促进贸易畅通、资金融通、民心相通的重要纽带，也是我国扩大高水平对外开放的重点领 域。"中国工商银行副行长兼首席财务官姚明德表示，工银欧洲旅行信用卡为中国游客和出海企业"走出 去"提供安全可靠的支付工具，助力中欧文旅合作深化。 中国青年报客户端讯（中青报·中青网记者 夏瑾）"中国出境游市场正在复苏，规模已基本恢复至2019年 水平，但其内涵与结构已发生显著变化。如今的出境旅游更趋近于一种生活方式消费，游客不再以购物 为主要目的，更倾向于像当地人一样沉浸式体验目的地生活。"2月3日，在北京举办的欧洲旅游委员会 2026新年论坛上，万事达卡东北亚区首席经济学家李炜说。 为助力游客享受更顺畅、包容的旅行体验，论坛现场，中国工商银行与欧洲旅游委员会、万事网联联合 发布了工银万事达欧洲旅行联名信用卡。该卡支持人民币及欧元、英镑、瑞士法郎等10种外币直接支 付。持卡者可享有免收外汇兑换手续费、欧洲消费返现及境外取现补贴等金融权益。 "如今的旅行者追求的是安心、透明的体验，期待旅程顺畅易行、基于信任，并充分尊重当地社区与文 ...

线下查询有2种方式：可以持身份证或社保卡原件，在全市各区社保经办机构窗口或自助终端查询打印 社保权益记录，也可以去社银合作网点，在工商银行、北京银行等合作银行的营业网点自助服务终端查 询打印。 北京人社解答： 来源：北京人社 "云中月"您好。想查询自己每个月社保到底缴了多少钱很方便，社保权益记录就能给您提供准确答案。 网友"云中月"： 社保权益记录清晰全面地记录着参保人员有关社会保险个人权益的信息，主要包括社保缴费信息、职业 年金信息、补缴信息和转移接续信息等。像大家日常关注的参保单位、缴费年限、每月缴纳金额这些内 容，在社保权益记录中都可以查到。 我想知道每个月社保到底缴了多少钱，在哪儿查？怎么查呢？ 社保权益记录线上线下都可以查询。 ...

苇渡Windrose近期正式启动总额超1亿美元的C轮融资，其中C1轮由中国移动链长基金领投，苇渡 科技创始人韩文、法国工业地产商PRD等多家主体跟投；同时，本轮融资还获得中国工商银行、中国建 设银行、中国农业银行等国有大行的授信支持，多重资本加持为企业全球化发展注入强劲动力。据悉， 此次C轮融资资金将主要用于两大核心方向：一是加速公司纯电重卡在完成中美欧三地认证后，于全球 市场的量产布局与市场化交付；二是推进比利时、法国、美国三地总装交付基地建设，同步打造配套的 风光电+储能+快充一体化基础设施，完善全球产业布局。 此次领投的中国移动链长基金，是中国移动发起设立的产业链发展基金，其投资策略深度契合国家 战略导向与中国移动整体发展规划。在智能网联汽车赛道，该基金重点聚焦以AI为代表的新一代信息 技术创新成果转化与落地应用，持续为智能网联汽车产业高质量发展注智赋能。对于本次与苇渡科技的 合作，中国移动链长基金表示，高度看好苇渡科技在纯电重卡整车研发设计、全球化市场布局方面的领 先优势，未来双方将充分发挥各自产业资源与技术优势，在车联网、智能座舱、高阶智驾、车路云协同 等关键领域开展深度合作，推动产业生态融合创新， ...

新华社香港2月4日电 香港恒生指数4日涨12.55点，涨幅0.05%，收报26847.32点。全日主板成交2854.33 亿港元。 国企指数跌4.73点，收报9048.38点，跌幅0.05%。恒生科技指数跌100.82点，收报5366.44点，跌幅 1.84%。 中资金融股方面，中国银行涨1.09%，收报4.65港元；建设银行涨0.9%，收报7.88港元；工商银行涨 0.78%，收报6.43港元；中国平安涨1.05%，收报72.05港元；中国人寿涨2.03%，收报35.16港元。 石油石化股方面，中国石油化工股份涨2.26%，收报5.44港元；中国石油股份涨2.12%，收报9.16港元； 中国海洋石油涨1.37%，收报23.68港元。 【纠错】 【责任编辑:薛涛】 蓝筹股方面，腾讯控股跌3.96%，收报558港元；香港交易所跌0.43%，收报420.2港元；中国移动涨 1.34%，收报79.35港元；汇丰控股涨0.07%，收报139港元。 香港本地股方面，长实集团涨1.14%，收报45.94港元；新鸿基地产涨0.41%，收报123.6港元；恒基地产 涨0.88%，收报32.08港元。 ...

[Table_Page] 跟踪分析|银行 证券研究报告 [Table_Title] 2026 年 1 月社融前瞻 预计社融增速 8.3％ [Table_Summary] 核心观点： [Table_PicQuote] 相对市场表现 [分析师： Table_Author]倪军 SAC 执证号：S0260518020004 021-38003646 nijun@gf.com.cn 分析师： 林虎 SAC 执证号：S0260525040004 SFC CE No. BWK411 021-38003643 gflinhu@gf.com.cn -10% -2% 6% 14% 22% 30% 02/25 04/25 06/25 09/25 11/25 01/26 银行 沪深300 请注意，倪军并非香港证券及期货事务监察委员会的注册 持牌人，不可在香港从事受监管活动。 [Table_ 相关研究： DocReport] | 银行行业:浙江 163 家区域性 | 2026-02-03 | | --- | --- | | 银行全梳理——丈量地方性 | | | 银行（2） | | | 银行行业:政府债及春节取现 | 2026-02- ...

Group 1 - The core viewpoint of the news is that the state-owned large bank sector experienced an increase of 0.73% on February 4, with Postal Savings Bank leading the gains [1] - The Shanghai Composite Index closed at 4102.2, up 0.85%, while the Shenzhen Component Index closed at 14156.27, up 0.21% [1] - The main capital flow into the state-owned large bank sector was a net inflow of 399 million yuan, while retail investors saw a net outflow of 40.88 million yuan [1] Group 2 - Postal Savings Bank's stock closed at 5.11 yuan, with a rise of 1.59% and a trading volume of 1.8883 million shares, amounting to a transaction value of 959 million yuan [1] - China Bank's stock closed at 5.35 yuan, increasing by 1.33% with a trading volume of 2.7248 million shares, resulting in a transaction value of 1.455 billion yuan [1] - Agricultural Bank's stock closed at 6.67 yuan, with a slight increase of 0.15% and a trading volume of 3.0656 million shares, leading to a transaction value of 2.041 billion yuan [1] Group 3 - The main capital inflow for China Bank was 114 million yuan, accounting for 7.80% of the total, while retail investors had a net outflow of 32.22 million yuan [2] - Postal Savings Bank saw a main capital inflow of 90.38 million yuan, representing 9.42%, with retail investors experiencing a net outflow of 9.39 million yuan [2] - Construction Bank had a net capital outflow of 12.60 million yuan from main capital, while retail investors had a net inflow of 25.48 million yuan [2]

Core Viewpoint - The company Jilin Electric Power Co., Ltd. has been renamed to State Power Investment Green Energy Co., Ltd. (电投绿能), marking a strategic shift towards focusing on green hydrogen-based energy as part of the national energy strategy [1][2]. Group 1: Company Transformation - The renaming signifies the company's integration into the national energy strategy and its commitment to the "balanced growth strategy" of State Power Investment [1]. - The company aims to transition from traditional thermal power to clean energy, with a target of over 1 trillion yuan in managed assets and an installed capacity exceeding 17 million kilowatts by the end of 2025, with nearly 80% of its energy coming from clean sources [6]. Group 2: Focus on Green Hydrogen - The company will concentrate on green hydrogen-based energy, acting as a bridge between renewable energy and various industrial sectors, facilitating deep decarbonization [3]. - It plans to develop an integrated solution for investment, construction, operation management, production supply, and market sales in the green hydrogen sector [3][4]. Group 3: Technological and Collaborative Initiatives - The company has established a specialized team of over 1,000 professionals covering the entire hydrogen energy value chain, including research, production, storage, transportation, and application [4]. - It has signed cooperation agreements with leading enterprises and financial institutions, forming a collaborative development system that integrates technology, capital, scenarios, and markets [6][7]. Group 4: International Expansion - The company is advancing its international cooperation, having signed memorandums with South Korean firms for green ammonia procurement and agreements with French and Japanese companies to expand its global market presence [7].

Core Insights - The article discusses the recent volatility in gold prices and the implications for gold accumulation products, highlighting the shift in investor sentiment and the adjustments made by banks in response to market conditions [2][3][4]. Group 1: Market Trends - International gold prices have experienced significant fluctuations, recently reaching over $5,000 per ounce before retreating, while domestic gold jewelry prices have also seen a decline from 1,700 RMB per gram to around 1,500 RMB [2]. - Gold accumulation products have gained popularity among investors as a low-risk alternative for inflation hedging, but the recent volatility has revealed associated investment risks [2][3]. Group 2: Bank Adjustments - Several banks have adjusted their gold accumulation business, raising the entry threshold and minimum investment amounts to mitigate risks associated with market volatility [4][5]. - For instance, China Construction Bank increased the minimum investment amount for gold accumulation to 1,500 RMB, while other banks have restricted services based on clients' risk tolerance assessments [4][5]. Group 3: Investor Behavior - Many investors perceive gold accumulation as a short-term investment, but experts suggest it is more suitable for those looking to accumulate wealth over a longer period [6][7]. - The misconception about the liquidity and convertibility of gold accumulation products has led to unexpected losses for some investors, emphasizing the need for clearer communication from banks regarding the terms and conditions of these products [7][8]. Group 4: Risk Management - The article highlights the importance of risk management in gold accumulation, with banks advising investors to assess their risk tolerance and adopt a long-term investment perspective [3][4]. - Experts recommend that banks improve the design and information provided for gold accumulation products to emphasize the need for long-term holding and gradual investment strategies [6][7].

Core Viewpoint - The article discusses the recent fluctuations in gold prices and the implications for gold accumulation products, highlighting the risks associated with these investments as they are perceived as low-risk alternatives for inflation protection by some investors [3][6]. Group 1: Gold Accumulation Products - Gold accumulation is a service offered by banks that allows customers to open gold accounts and record the weight of gold deposited over time, gaining popularity during rising international gold prices [6]. - These products are characterized by low entry barriers, ease of operation, and the ability to redeem physical gold, making them attractive to risk-averse investors [6][7]. - Recent volatility in gold prices has led banks to adjust their gold accumulation services, including raising entry thresholds and enhancing risk warnings to clients [7]. Group 2: Market Volatility and Risk Management - The article notes significant daily fluctuations in international gold prices, prompting banks to take measures to mitigate liquidity risks and filter out investors with lower risk tolerance [7][10]. - Banks have raised the minimum investment amount for gold accumulation products, with some requiring specific risk assessment results for clients to engage in all services [7]. - The article emphasizes that gold accumulation is not a zero-risk investment, as the value of assets can decrease during price drops, and it is more suitable for long-term investors rather than short-term traders [10][11]. Group 3: Investor Awareness and Education - There is a need for better communication from banks regarding the nature of gold accumulation products, particularly the limitations on redeeming physical gold and the associated costs [11]. - Investors often misunderstand the terms related to redeeming physical gold, leading to potential dissatisfaction and financial loss [11]. - The article suggests that banks should provide clearer information on market volatility triggers and risk management conditions to help investors make informed decisions [10][11].

Core Viewpoint - International gold prices have experienced significant volatility, rebounding from a previous drop and surpassing the $5000 per ounce mark as of February 4, 2026, prompting banks to enhance risk management for gold investment businesses [1][2]. Group 1: Gold Price Fluctuations - Gold prices saw a dramatic rise and fall, peaking near $5600 per ounce on January 29, 2026, followed by a nearly 10% drop on January 30, and falling below $4500 per ounce by February 2, before rebounding with over a 6% increase on February 3 [2]. - Analysts from Guangzhou Futures Co. noted that concerns over future monetary policy, coupled with technical selling pressure, contributed to the significant price drop, while long-term factors such as central bank gold purchases and geopolitical risks are expected to support gold prices [3]. Group 2: Bank Responses to Volatility - Major state-owned banks, including Bank of China and Agricultural Bank of China, have announced adjustments to margin requirements and trading limits for gold and silver contracts in response to the volatility [4][5]. - The Bank of China adjusted the margin ratio for gold contracts from 16% to 17% and for silver contracts from 26% to 23%, effective February 3, 2026 [4]. - Agricultural Bank of China also modified the trading limits for gold and silver contracts, reducing the daily price fluctuation limit from 25% to 22% for silver and from 15% to 16% for gold [5]. Group 3: Changes in Investment Products - Some banks have raised the minimum purchase threshold for gold accumulation products to 1500 yuan, reflecting a tightening of investment conditions [10]. - Industrial and Commercial Bank of China announced limits on gold accumulation business during weekends and holidays, indicating a more cautious approach to managing gold investments [8]. - Analysts emphasize the importance of viewing gold as a stabilizing asset in investment portfolios, advising against speculative trading practices [10][11].