就业报告与JOLTS数据是反映美国劳动力市场健康程度的重要指标，前者涵盖非农就业人数、失业率及 薪资增速等关键变量，后者则提供职位空缺、招聘与离职率等细分信息，均为美联储制定货币政策及市 场研判经济走向的重要依据。停摆导致的发布延迟，不仅削弱了经济透明度，也可能影响市场对短期经 济走势的判断与预期管理。 目前，众议院推动的法案若能在周二顺利通过，政府拨款有望尽快恢复，统计机构亦可重启数据编制流 程。但若表决遇阻或后续立法程序拖延，相关数据的缺失时间或将进一步延长，给经济监测与决策带来 更大不确定性。 【最新纸黄金行情解析】 工行纸黄金(人民币)报1070.01元/克，单日暴跌93.98元，跌幅达8.07%，日内最低触及1060.00元/克，创 近月新低，技术形态呈现"长阴破位"走势。国际现货黄金跌破4400美元/盎司，COMEX黄金跌至4543美 元/盎司，美联储鹰派预期升温推升美元指数，全球避险资产遭集中抛售。与沪金主力(AU2604)同步下 挫，跌幅高度一致，人民币汇率稳定下价格完全由国际定价传导主导。RSI跌至25以下超卖区，布林带 开口扩大，价格沿下轨运行，短期动能枯竭，但未现底背离，反弹需观察105 ...

"补仓！补仓！还是补仓！"近日，京东金融平台博主"黄金蛋炒饭"的"金友圈"被这几个字刷屏。 屏幕上刺目的绿色数字（亏损）成了这一轮黄金暴跌中，高位 入场个人投资者的写照。随着黄金市场震荡风险增加，有的银 行发布风险提示，有的银行早已悄然提高黄金积存金的准入门 槛。 作者：刘颖 封图：图虫创意 2026年2月2日下午，伦敦现货黄金价格跌破4500美元/盎司，国内积存金价格同步下探，他在京 东金融平台上果断以1016.27元/克买入近200克黄金积存金。这已是自今年1月29日金价创新高 以来，他的第12次补仓。 1月29日早盘，伦敦现货黄金价格冲破5500美元/盎司历史峰值，国内黄金积存金市场瞬间沸腾， 投资者入市热情高涨。然而，狂欢仅持续不到24小时。当日深夜，伦敦现货黄金价格半小时内暴 跌逾7%，突如其来的跳水让市场猝不及防。 但在京东金融"金友圈"里，不少投资者并未恐慌，反而将此次下跌视作难得的"上车机会"，博 主"黄金蛋炒饭"便是其中之一。1月29日23时，他果断出手，分别以1225.27元/克、1195.06 元/克、1160元/克的价格购入黄金积存金共计超250克，开启了本轮黄金震荡行情中的补仓之 路 ...

"补仓！补仓！还是补仓！"近日，京东金融平台博主"黄金蛋炒饭"的"金友圈"被这几个字刷屏。 2026年2月2日下午，伦敦现货黄金价格跌破4500美元/盎司，国内积存金价格同步下探，他在京东金融 平台上果断以1016.27元/克买入近200克黄金积存金。这已是自今年1月29日金价创新高以来，他的第12 次补仓。 建设银行也发布了关于调整个人黄金积存业务定期积存起点金额的公告，自2月2日9:10起，该行个人黄 金积存业务定期积存起点金额(包括日均积存及自选日积存)上调至1500元。 不过，跌势并未止步。1月30日至1月31日凌晨，伦敦现货黄金价格再次跳水，跌至4710美元/盎司。市 场恐慌情绪开始出现，这一轮下跌也让博主"黄金蛋炒饭"陷入犹豫。1月31日晚，他谨慎完成两次买入 操作，节奏明显放缓。直至2月2日的再度抄底，他的持仓成本均价从最初的1200元/克上方摊薄至 920.05元/克。 谈及12次补仓操作，他感慨地说："心理防线一破再破，只能逢低加仓，不要妄想抄底。" 选择补仓的投资者还有"买在高点"的单彤。1月29日，金价冲高时，她受朋友圈赚钱热潮影响，盲目跟 风冲入市场，在1237元—1248元/克的高位 ...

Group 1 - Global panic selling has swept the precious metals market, with silver prices dropping by 34.67% from over $110/oz to $75.38/oz, and gold prices falling by 12.41% from $5400/oz to $4709.68/oz [1] - As of the market close, spot gold was reported at $4880.034/oz, down 9.25%, marking the largest single-day decline since April 1, 1980 [4] - The U.S. stock market experienced a broad decline, with the Nasdaq down 1.22%, the Dow Jones down over 1%, and the S&P 500 down 0.92% [5] Group 2 - President Trump nominated Kevin Walsh as the next Federal Reserve Chairman, shifting market focus to his monetary policy stance and the independence of the Fed [5] - Analysts predict that the Federal Reserve may lower interest rates by approximately 50 to 100 basis points over the next year, which could influence gold prices [5] - Despite the current volatility, analysts from China International Capital Corporation (CICC) suggest that the gold bull market may not be over, as the Fed's policies and U.S. economic conditions continue to evolve [6] Group 3 - Industrial and Commercial Bank of China (ICBC) announced adjustments to its personal gold accumulation business, implementing limit management for transactions on non-trading days starting February 7, 2026 [6][7] - China Construction Bank (CCB) also announced an increase in the minimum amount for personal gold accumulation plans to 1500 yuan, effective February 2, 2026 [7] Group 4 - Retail gold stores generally do not accept returns after purchase, while online platforms have varying return policies, often not allowing returns for investment gold products [9][13] - Some brands have specific return policies for gold jewelry, allowing returns within 24-48 hours under certain conditions, while others impose fees for returns [11][13] - Legal interpretations indicate that gold jewelry and bars purchased in physical stores are generally not subject to a 7-day no-reason return policy, aligning with consumer protection laws [13]

二、中国工商银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国工商银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由安顺金融监管分局办理行政许可注销手续。 三、中国工商银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 2026年2月2日，安顺金融监管分局发布批复称，《工行贵州省分行关于核准张琛任职资格的请示》（工 银黔报〔2025〕140号）收悉。经审核，现批复如下： 一、核准张琛中国工商银行（601398）股份有限公司安顺分行副行长的任职资格。 ...

Group 1: Domestic News - Premier Li Qiang emphasized the importance of combining short-term and long-term strategies to effectively promote development and improve people's livelihoods during his research in Shandong [2] - The Central Committee and the State Council approved the "Modern Capital Metropolitan Area Spatial Coordination Plan (2023-2035)", which aims to enhance the capital's functions and promote high-quality regional development [2] Group 2: International News - The ISM Manufacturing PMI for January in the U.S. rose significantly from 47.9 to 52.6, surpassing expectations of 48.5, indicating robust growth in new orders and production [5] - A trade agreement between the U.S. and India was reached, reducing U.S. tariffs on Indian goods from 25% to 18%, with India agreeing to lower its tariffs on U.S. products [6] Group 3: Commodity Market - International crude oil prices fell, with WTI crude down 4.71% to $62.14 per barrel and Brent crude down 4.36% to $66.30 per barrel [7] Group 4: Financial Market - The central bank conducted a 7-day reverse repurchase operation of 750 billion yuan at an interest rate of 1.40%, resulting in a net withdrawal of 755 billion yuan due to 1,505 billion yuan of reverse repos maturing [8] - The money market remained stable, with the DR001 rate rising by 3.65 basis points to 1.364% and the DR007 rate falling by 10.2 basis points to 1.491% [9] Group 5: Bond Market - The bond market experienced fluctuations, with the 10-year government bond yield rising by 0.50 basis points to 1.8150% [9] - In the credit bond market, significant price deviations were noted, with "H0 Zhongjun 02" dropping over 72% and "H1 Bidi 03" dropping over 56% [11] Group 6: Convertible Bonds - The convertible bond market saw a collective decline, with major indices falling by 2.39% to 2.31%, and a total trading volume of 850.83 billion yuan, down 81.89 billion yuan from the previous trading day [14]

Core Insights - The government work report for 2025 emphasizes the strategy of "vigorously boosting consumption," which the Industrial and Commercial Bank of China (ICBC) in Duyun actively supports by enhancing service scenarios, innovating financial products, and strengthening policy collaboration [1][3] Group 1: Consumption Loan Performance - By the end of 2025, ICBC Duyun's consumer loan balance reached 1.4 billion yuan, and credit card loan balance reached 2.1 billion yuan, both ranking first among local peers [1] - The bank's credit card consumption amount reached 820 million yuan during the four seasons, driven by targeted promotions during key consumption periods like National Day and Double Eleven [3] Group 2: Policy Implementation and Community Engagement - ICBC Duyun strictly implements national consumer loan interest subsidy policies, forming specialized service teams to conduct outreach in communities and enterprises, effectively communicating the dual benefits of fiscal subsidies and bank concessions [3] - Since September of the previous year, the bank has issued 340 million yuan in subsidized consumer loans, fulfilling the demand for consumption upgrades in county areas [3] Group 3: Future Strategies - ICBC Duyun plans to continue implementing the national strategy to expand domestic demand, enhance digital development momentum, and leverage GBC linkage advantages [3] - The bank aims to utilize big data to expand its quality customer list, innovate financial products, optimize real-time credit granting, and strengthen promotional efforts to inject stronger financial momentum into local economic development [3]

February 2, 2026 12:08 PM GMT China Financials | Asia Pacific Tracking industrial risks: modestly slower near term growth, but notably lower future risks Key Takeaways More sectors' capex growth slowed in Dec 2025 amid steady progress of capacity control. 82.5% of sectors (by total liability) saw capex growth moderation in Dec 2025 vs. 1H24, up from 78.7% last month. Agricultural product processing and furniture sectors posted notable FAI growth slowdowns after months of stabilizing. Overall Industrial prof ...

来源：智通财经 2月3日早盘，现货黄金高位回调后回到4800美元/盎司，日内涨超3%。上周沃什被提名为下任美联储负 责人，其历史言论偏向"降息+缩表"组合，导致市场对货币政策紧缩的担忧升温，市场担忧其上台后将 推动美元走强、压制黄金，引发多头踩踏与高杠杆资金撤离。 截至2026年2月3日 09:42，上海金ETF(518600)上涨3.90%。拉长时间看，截至2026年2月2日，上海金 ETF近1月累计上涨6.97%。份额方面，截至2026年2月2日，上海金ETF最新份额达6.77亿份，创成立以 来新高！从资金净流入方面来看，上海金ETF近10天获得连续资金净流入，最高单日获得4.65亿元净流 入，合计"吸金"17.57亿元。 上海金ETF(518600)，场外联接(A类：008986；C类：008987)，业绩比较基准为上海黄金交易所上海金 集中定价合约。该基金紧跟金价、支持T+0交易，可谓黄金便捷投资利器；投资者可借道上海金ETF对 冲金饰价格上涨。 长期看，市场对美联储降息路径的预期并未根本扭转，CME FedWatch数据显示全年降息两次的预期依 然稳定。区域政治方面，国际紧张局势不断扰动市场，推升避 ...

Core Viewpoint - The performance reports of listed banks for 2025 reveal a resilient banking sector, with significant growth in profitability, particularly among small and medium-sized banks, providing insights for predicting the industry's trajectory in 2026 [1][2]. Group 1: Profitability and Growth - All ten listed banks reported positive growth in net profit, with nine achieving increases in both operating income and net profit [2]. - City commercial banks led the profitability growth, with Qingdao Bank showing a 21.66% increase in net profit, while Hangzhou Bank, Ningbo Bank, and Nanjing Bank reported growth rates of 12.05%, 8.13%, and 8.08% respectively [2]. - National joint-stock banks exhibited steady growth, with Shanghai Pudong Development Bank leading at 10.52% net profit growth, followed by CITIC Bank, China Merchants Bank, and Industrial Bank with growth rates of 2.98%, 1.21%, and 0.34% respectively [2]. Group 2: Revenue Structure Optimization - Revenue structure optimization was a key driver for many banks' performance, with Ningbo Bank's net fee and commission income reaching 6.085 billion yuan, a 30.72% year-on-year increase [3]. - Shanghai Pudong Development Bank improved its asset-liability management and reduced funding costs, stabilizing its net interest margin [3]. - Asset expansion was notable, with China Merchants Bank surpassing 13 trillion yuan in total assets, and several small and medium-sized banks showing significant growth rates in total assets, such as Qingdao Bank at 18.12% [3]. Group 3: Credit Growth and Asset Quality - Accelerated credit issuance was identified as a core driver for asset expansion among small banks, with strong demand in quality regions supporting growth [4]. - Asset quality remained stable, with five banks reporting a decrease in non-performing loan ratios, and overall fluctuations were kept within single-digit basis points [5][6]. - Notably, CITIC Bank and China Merchants Bank saw their non-performing loan ratios decrease by 1 basis point to 1.15% and 0.94% respectively, while the provisioning coverage ratios for several banks remained well above regulatory requirements [6]. Group 4: Future Outlook and Strategic Focus - Analysts predict a positive outlook for the banking sector in 2026, emphasizing the importance of loan growth, particularly in corporate lending, and the stability of asset quality [8]. - Major state-owned banks are focusing on developing differentiated strategies and enhancing operational efficiency as part of their 2026 goals [9][10]. - National joint-stock banks and local small and medium-sized banks aim to optimize their business structures and diversify income sources to improve profitability stability [10].