Core Viewpoint - The article highlights the exceptional customer service provided by the Industrial and Commercial Bank of China (ICBC) during a snowstorm, showcasing the bank's commitment to customer care and its ability to overcome physical challenges to meet client needs [1][2]. Group 1: Customer Service - A middle-aged woman approached the ICBC branch in Nantong, expressing her difficulties due to her mother's recent injury and the need to handle banking matters on her behalf [1]. - The branch manager promptly addressed the customer's concerns, explaining the procedures for handling her request and offering reassurance despite the busy season [1]. - The bank staff demonstrated dedication by providing home service to the customer after hours, ensuring that the elderly client received the necessary assistance [1]. Group 2: Employee Dedication - The bank employees braved harsh weather conditions to deliver services, reflecting their professionalism and commitment to customer satisfaction [2]. - The daughter of the elderly client expressed heartfelt gratitude for the bank's efforts, highlighting the positive impact of the staff's actions during adverse weather [2]. - The incident exemplifies ICBC's philosophy of "customer first, service as desired," reinforcing the bank's reputation as a reliable financial institution [2].

Core Viewpoint - The Chinese cultural industry has surpassed a trillion yuan in scale, but financing challenges persist for collectors, artists, and cultural enterprises. The recent approval of the "Bank Support for Cultural Industry Development Report" marks a significant step towards integrating art and finance, enabling collectors to leverage their assets, artists to focus on creation, and cultural enterprises to accelerate expansion, thus making art collateral loans mainstream and enhancing the value of collections [1][2]. Group 1: Market Demand and Growth - The total estimated value of private collections in China exceeds 12 trillion yuan, yet the legal circulation rate remains below 1%, highlighting a significant market demand for art collateral loans [2]. - By 2025, the scale of art collateral loans in China is projected to exceed 1.2 trillion yuan, indicating rapid growth and a vast potential market in art finance [1]. Group 2: Banking Sector Involvement - Major state-owned banks dominate the art collateral loan market, with specific strategies: China Construction Bank focuses on traditional cultural items with a maximum collateral ratio of 70% and a loan cap of 5 million yuan; Industrial and Commercial Bank of China covers various art forms with a 60% collateral ratio; Bank of China targets antiques and ceramics with a similar collateral ratio but a lower loan cap of 3 million yuan [2]. - Joint-stock banks adopt a more cautious approach, with banks like Bank of Communications and China Merchants Bank only accepting renowned artworks, maintaining a uniform collateral ratio of 50% and a loan cap of 2 million yuan [2]. Group 3: Innovative Financing Models - Weifang Bank has pioneered a pre-purchase model for art, successfully lending 1.1 billion yuan with zero bad debts, demonstrating the feasibility of innovative financing methods [2][4]. - A new "four-step" service model for copyright pledge loans has been established in Feicheng, focusing on copyright assessment, pledge registration, financing credit, and loan issuance, creating a closed-loop system for financing [6]. Group 4: Technology Integration - Technologies such as blockchain and AI are being utilized to address trust issues in art financing, providing a permanent, traceable digital record for artworks, which helps solve problems related to authenticity, valuation, and ownership [8]. - The global art collateral loan market is maturing, with Deloitte reporting that global loan balances are expected to exceed $36 billion by 2024, indicating strong growth potential [8]. Group 5: Changing Perceptions of Art - 73% of clients use art financing to release liquidity for other business activities rather than solely purchasing more art, indicating a shift in perception of art from mere aesthetic objects to active capital [9]. - Art is increasingly recognized as a liquid asset that can address funding gaps for startups, provide operational cash flow for businesses, and serve as a tool for family wealth transfer [9].

来源：市场资讯 （来源：今日金价行情） 2月27日银行、机构投资金银条报价（单位元/克） 银行/机构 金条名称 单位 销售价 涨跌 更新时间 建设银行 建设银行龙鼎金条 元/克 2.10↑ 2026-02-27 09:39:42 中国银行 中国银行金条 元/克 工商银行 工商银行如意金条 元/克 -1.51↓ 2026-02-27 09:33:23 农业银行 农业银行传世之宝金条 元/克 2026-02-26 13:03:21 平安银行 和谐平安金条 1204 2026-02-27 09:43:52 上海黄金交易所 上海黄金交易所金条 元/克 元/克 2026-02-26 13:03:33 浦发银行 浦发银行投资金条 元/克 1145 -3.00↓ 2026-02-27 09:46:44 中国黄金 中国黄金投资金条 元/克 1162 2.00↑ 2026-02-27 09:47:14 金银街 投资银条 元/克 2026-02-26 11:40:15 宝泉钱币 宝泉钱币银条 元/克 0.27↑ 2026-02-26 11:35:36 中钞国鼎 中钞国鼎基准银价 元/克 2026-02-27 09:01:30 天 ...

（来源：中国市场监管报） 转自：中国市场监管报 本报讯 近日，一则银行融资到账的通知出现在江西汉尧富锂科技有限公司的滚动屏幕上，中国工商银 行袁州支行995万元授信资金注入该企业账户。这笔贷款无须房产抵押，不依赖固定资产担保，其核心 依据是企业多年积累的标准化建设成果。这是江西省宜春市袁州区发放的首笔"标准贷"，标志着袁州区 在探索以"标准要素"为核心的新型融资模式上迈出关键一步。 据了解，"标准贷"是一种新型融资模式，旨在破解科技创新型轻资产企业的融资难题。它将企业制定的 各类技术标准、管理标准转化为信用资产，企业可凭借标准"软实力"申请"无抵押、低利率、快审批"的 信贷支持。 在袁州区市场监管局的帮扶引导下，江西汉尧富锂科技有限公司长期专注于标准化建设，累计参与制定 6项行业标准、9项团体标准，主导制定2项企业标准，其中《富锂锰基 正极材料》企业标准获得省级标 准项目奖。以上成果成为此次银行授信的关键评估依据。 贷款落地背后，源于该局市场监管干部提供的多轮扎实服务。他们主动摸排区内标准化优势企业，建立 重点培育名录库，将该公司列为首批对接对象。市场监管干部走进企业车间，了解生产经营中的资金需 求。针对银行 ...

春节期间，泸州市各银行机构密集推出"春节档"促消费活动，通过"金融+场景"深度融合，灵活运用社 保卡、移动支付、信用卡等支付工具，以实实在在的优惠补贴，让市民在假日消费中尽享福利与便利。 中国人民银行泸州市分行统计数据显示，系列活动开展以来，已惠及市民9万余人，带动消费3500万 元。 在零售消费领域，泸州银行、泸州农商银行等8家机构推出社保卡支付"满100元立减20元"，市民在汇通 超市线下消费即可享受优惠；工行泸州分行在重百泸州商场推出信用卡消费"满100元随机立减"；在餐 饮消费领域，农行推出掌银信用卡支付"满200元立减20元"。在文旅出行方面，中行泸州分行推出"泸州 老窖（000568）博物馆门票随机立减""一分钱坐公交"，让广大市民与游客在感受酒城文化的同时享受 实惠；建行泸州分行推出信用卡购电影票"买一赠一"，为假日休闲再添优选。在民生服务方面，四川银 行泸州分行联动70个居民区，叠加物业、菜市、ETC等多重支付优惠，打造"家门口"的便利；泸州银行 特别推出"长者食堂半价就餐"活动，用暖心服务关爱银发群体。 新春佳节，消费市场暖意升腾、热气澎湃。年货采买、团年聚餐、游玩打卡等多元场景勾勒出一幅幅 ...

伦敦现货黄金在连续反弹后，于2月26日重新站上5200美元/盎司。据国内主流珠宝品牌官网2月26日消息，周大福足金饰品最新价格报1576元/克，较前一 日（1570元/克）上涨6元/克；老庙、周生生、老凤祥分别报1566元/克、1568元/克、1566元/克，均与前一日持平。 在国际贵金属价格持续高位震荡、个人投资热度攀升的背景下，工商银行、农业银行等多家银行近期相继宣布， 将代理个人贵金属延期业务的保证金比 例由80%统一上调至100%。 多家银行调整保证金比例 2月25日， 农业银行发布《关于代理上海黄金交易所个人贵金属交易业务调整延期合约保证金比例的通知》。通知称，近期国际贵金属市场价格波动加 剧，个人客户交易类贵金属业务市场风险上升。为切实保护投资者利益，自2026年2月26日收盘清算时起，Au（T+D）、mAu（T+D）、Ag（T+D）合约 的保证金比例从80%调整为100%。 通知提示，投资者应注意交易保证金比例变化及持仓风险，合理控制持仓规模，理性交易。 同日， 工商银行也发布公告，自2月27日收盘清算时起，将代理个人客户Au（T+D）、mAu（T+D）、Au（T+N1）、Au（T+N2）、NY ...

编辑|金冥羽 董兴生 杜波 校对|许绍航 2026年春节刚过，一场围绕孩子压岁钱的金融暗战已悄然打响。 北京农商行一款名为"阳光宝贝卡"的儿童专属产品，给出了三年期1.75%的年利率。这一利率水平不仅显著高于该行同期限的普通定期存款，甚至超越了 其面向高净值客户、起存门槛达20万元的大额存单利率。 《每日经济新闻》记者注意到，这种颠覆常规定价逻辑的"利率倒挂"现象正成为多家银行争夺未成年人客群的标配策略。 业内人士指出，在行业净息差普遍承压的背景下，银行正将儿童金融服务从节日营销升级为核心战略，其本质是对客户全生命周期价值的提前投资与锁 定。 每经记者｜刘嘉魁 每经编辑｜金冥羽 董兴生 记者|刘嘉魁 利率倒挂： 儿童小额存款利率反超成人大额存单 春节压岁钱的流向，首次出现了与规模效应背道而驰的利率曲线。 《北京商报》记者调查发现，北京农商行"阳光宝贝卡"专属储蓄产品1000元起存，一年期、两年期、三年期年利率分别为1.5%、1.6%和1.75%，而该行同 期限普通定期存款挂牌利率仅为1.15%、1.2%和1.3%。更引人注目的是，该产品两年期利率甚至高于20万元起存的同期限大额存单1.5%的利率。 图片来源： ...

银行巧思让压岁钱变身财商 产品创新： 课。 董丽娜 摄 马年春节的余温尚在，孩子们手中鼓鼓的压岁红包，已悄然成为各家银行争夺的焦点。不少家长表示， 春节后要帮助孩子打理压岁钱。 昨日，记者实地走访工商银行、建设银行等国有大行，以及多家股份制银行与地方城商行发现，与往年 相比，今年银行不仅在中长期存款利率上普遍 "加码"，更针对儿童及青少年群体推出了特色鲜明的专 属金融产品。这场没有硝烟的 "揽储大战"，正弥漫着浓浓的"亲子"氛围与财商教育气息。 利率分层： 城商行冲上"利率高地" "今年各家银行的存款利率，特别是三年期，比较有吸引力。" 一位银行业内人士向记者透露。 记者走访了解到，目前五大国有银行，其三年期定期存款年利率普遍维持在1.55%左右；广发、兴业等 股份制银行普遍在1.75%上下；而众多城市商业银行成为此轮利率竞争的"高地"，三年期利率普遍集中 在1.8%至2.0%的区间。 渤海银行在1.85%至1.9%之间，吉林银行与阜新银行则达到了2.0%的当前较高水平。各家银行的起存门 槛多在50元至10万元不等。 值得注意的是，这些颇具吸引力的利率产品并非儿童专属，成人与儿童均可办理，为家庭进行整体资金 ...

Core Viewpoint - The article highlights the significant price discrepancies in the gold market, particularly between investment gold bars and gold jewelry, emphasizing the hidden costs associated with purchasing gold jewelry compared to its intrinsic value as an investment asset. Pricing Discrepancies - The price of a 30-gram gold bracelet at Chow Tai Fook is 47,100 yuan, while a 30-gram investment gold bar costs only 34,710 yuan, showing a difference of 13,500 yuan when considering resale value [1] - The current price of gold T D on the Shanghai Gold Exchange is reported at 1,149.48 yuan per gram, which serves as the domestic benchmark for gold pricing [3] - International gold prices fluctuate between 5,180 to 5,200 USD per ounce, translating to approximately 1,158 yuan per gram [3] Different Market Segments - In the banking sector, gold bars like ICBC's "Ruyi Gold Bar" are priced closely to the raw material price, with minimal markup for handling fees [3] - The wholesale market in Shenzhen's Luohu district quotes "bare gold" at 1,311 yuan per gram, with additional processing fees for jewelry not exceeding 1,350 yuan [4] - Retail prices in major jewelry stores are significantly higher, with Chow Tai Fook at 1,570 yuan per gram and China Gold reaching 1,589 yuan per gram, reflecting the added costs of craftsmanship and branding [6][7] Cost Structure - The markup in branded jewelry stores can reach 425 yuan per gram, which includes costs for rent, design, and marketing, while wholesale and banking channels maintain much lower additional fees [7] - The gold recycling market offers a stark contrast, with buyback prices ranging from 1,120 to 1,140 yuan per gram, disregarding brand and packaging [7] Consumer Behavior - Consumers are becoming more discerning, differentiating between "investment gold" and "jewelry gold," with a preference for investment gold bars that are closer to raw material prices [9] - The article notes that some unscrupulous dealers may manipulate the recycling process to undervalue gold, highlighting the need for consumer awareness [10] Market Dynamics - Geopolitical tensions and Federal Reserve policies are influencing gold prices, with current fluctuations reflecting a balance of risk and opportunity in the market [12] - The article suggests that consumers should consider their motivations for purchasing gold, whether for emotional value or as a financial asset, to make informed decisions [15][16]

零售价不跟着国际行情跌，店家自己其实也想调整价格，但成本压着没法动。 金店进货大多要提前几天甚至一周 预订，当2月25日金价暴跌时，他们柜台里和仓库中的货，还是用前几天甚至上周的高价买进来的。 如果立刻跟 着大盘价降价销售，每一克黄金都会产生实实在在的亏损。 所以，哪怕国际市场上风云变色，柜台里的标价牌也 只能先保持沉默。 再说，普通顾客走进金店买金子，很少是盯着手机上的实时K线图决定的。 更多人是看日子和需求，比如结婚要 买"三金"、孩子满月要送长命锁、过年了想给家人添件首饰。 这些人生重要节点不会因为国际金价跌了5%就推 迟。 2026年春节刚过，婚庆市场依然火热，很多年轻人拿着父母给的预算，目标明确地走进金店，他们的关注点 是款式、工艺和品牌，至于大盘价是1146元还是1166元，对最终购买决策的影响微乎其微。 2026年2月25日，国际黄金市场经历了一场惊心动魄的暴跌。 COMEX黄金期货价格从5240美元的高位跳水，一度 跌破5100美元关口，单日跌幅超过5%，每盎司黄金蒸发了将近100美元。 国内这边也没躲过去，上海黄金交易所 的Au99.99现货价格跟着跌了近4%，基础金价回落到了1146元/克 ...