座谈会上，何忠友听取了兵团国资委及监管企业中央巡视反馈问题整改落实情况和改革发展情况汇报， 详细询问企业经营管理、重大风险隐患排查整治等工作，深入了解财政资金支持的国资国企项目实施进 展情况和预期目标完成情况等。他强调，"十五五"时期，是国有企业深化改革创新、实现高质量发展的 重要时期。要扎实推进国资国企"十五五"规划编制，找准企业在兵团发展大局中的功能定位，系统研 究"十五五"发展目标、重点任务、工程项目，以规划为引领，加快形成质量效益更显著、战略作用更巩 固、产业布局更优化、创新能力更强劲、运营管理更高效的国资国企高质量发展格局。要做精做强主责 主业，深入推进布局优化和结构调整，突出抓好存量资源盘活利用，积极扩大有效益的投资，推动科技 创新和产业创新深度融合，进一步夯实发展基础、放大战略优势，加快形成主业更加突出、核心竞争力 更强的业务格局。要全面落实深化国资国企改革重点任务，完善中国特色现代企业制度，健全公司治理 结构，不断完善"穿透式"监管机制，提升监管效能，推动解决一批制约高质量发展的深层次问题。要强 化风险防控，紧盯"关键岗位"，督促廉洁履职，扎实开展国企领域专项治理，深入查找、有效防控投 资、债 ...

来源：金融人事mini 近日，中国银行召开2026年党建和经营管理工作会议，强调要正确把握关键问题，接续打造强大的金融 机构，扎实推动集团高质量发展。 在加码服务实体经济、扩大全球化优势的同时，中行还将风险防控和化解摆在重要位置。突出抓好信用 风险集中度管控，前瞻做好趋势性风险管控，扎实防控科技运营风险，全面防范业务结构不平衡风险。 本期，继续介绍中行中层人事调整，涉及总行多部门，其中，子公司中银资产、中银投资、中银金租有 三位高管回归中行总行。 总行内控与法律合规部副总经理郭明霞，主持该部门工作；曾任中行内控法律部处长，2016年4月起任 湖南省分行总稽核、总审计师。 中行原总行内控与法律合规部总经理王寒冰，已调任浙江省分行党委书记。值得注意的是，在《金融机 构合规管理办法》一年的过渡期即将结束的背景下，年内银行业配备首席合规官职位提速，大多由高管 兼任。不过，目前国有大行的首席合规官还未有人选释出。 上海市分行长三角金融研究院院长张兴荣，任总行研究院副院长；曾任中国银行国际金融研究所银行业 研究团队主管、总行研究院资深研究员。 2019年，中行以原国际金融研究所为主体，整合全行研究资源，组建了中行研究院， ...

Core Insights - The banking industry is focusing on "digital transformation," "high-quality development," "risk prevention," and "artificial intelligence" as key themes for 2026, reflecting a shift towards more specialized and refined development paths [1][2][4] Group 1: Key Themes from Annual Meetings - "Digital transformation" and "risk prevention" are highlighted as primary focuses, with nine banks mentioning these themes in their annual meetings [4] - The term "high-quality development" appears frequently, indicating a collective industry goal towards sustainable growth [2][4] - "Cost reduction and efficiency enhancement" is emphasized by multiple banks, reflecting a strategic shift from scale expansion to more efficient operations in response to narrowing interest margins [6][7] Group 2: Specific Strategies and Initiatives - Banks are adopting "differentiated development" strategies to avoid internal competition, with seven banks mentioning this approach [6] - Several banks are actively working on reducing operational costs, with examples including the reduction of high-cost deposits and operational expenditures [7] - The concept of "investing in both tangible and human capital" is emerging, with two banks explicitly stating this in their annual meetings, indicating a shift in focus towards human capital and future value creation [8][9] Group 3: Risk Management and Performance - Banks are implementing comprehensive risk management systems, with proactive measures for early identification and handling of risks [4][5] - Some banks reported a decrease in non-performing loans, showcasing effective risk management practices [5] - Overall, banks are experiencing positive growth in revenue and net profit, indicating a recovery in performance amidst cost-cutting measures [7]

Core Viewpoint - The recent adjustments by banks in gold accumulation business reflect a cautious approach towards compliance management and risk prevention amid rapid expansion in gold-related services [6]. Group 1: Bank Adjustments - China Construction Bank announced an increase in the minimum amount for personal gold accumulation business to 1500 yuan starting February 2 [1]. - Existing accumulation plans set before the adjustment will remain unaffected, but new plans must meet the updated minimum requirements [4]. - Ping An Bank will adjust its gold accumulation business rates starting February 4, with reductions in interest rates for various terms [5]. Group 2: Market Conditions - On January 29, spot gold reached a record high of 5598.75 USD/ounce but closed at 5377 USD/ounce, reflecting a decline of 0.68% [7]. - The volatility in precious metal prices has increased, prompting banks to advise clients to exercise caution in their investments [6]. Group 3: Risk Assessment - Several banks, including Industrial and Commercial Bank of China, have implemented stricter risk assessment requirements for clients engaging in gold accumulation [5]. - The adjustments in risk assessment reflect a shift in how global risks are priced, considering factors like geopolitical risks and U.S. debt sustainability as long-term structural variables [8].

总结金融赋能上市公司高质量发展的关键，张佳蕾表示："希望将短期、低成本的融资转化为长期股权 陪伴资本，用金融视角和方式陪伴科创企业创新与产业升级，成为他们稳定的伙伴。"她认为，公募基 金应持续发挥专业投资机构优势，通过产品创新、科技赋能和跨机构协同，为实体经济特别是科技创新 企业提供全周期、多层次的金融支持，共同推动经济高质量发展。 风险提示：市场有风险，投资需谨慎。 基金频道更多独家策划、专家专栏，免费查阅>> 近日，在由中国银行四川省分行与鹏华基金联合主办的"金蓉汇聚 质创未来"金融服务新质生产力发展 大会上，鹏华基金现金投资部副总经理、基金经理张佳蕾围绕"为企业提供全周期多层次金融服务"这一 主题，系统阐述了公募基金在助力企业创新与产业升级过程中所扮演的角色及其具体实践，并着重分享 了科创债ETF作为创新型金融产品的投资价值与实践意义。张佳蕾表示，作为国内最早成立的"老十 家"公募基金公司之一，鹏华基金始终坚持以产品为载体，广泛募集社会资金，通过长期、分散的投资 策略，在为投资人实现财富增值的同时，也深度嵌入企业的全生命周期发展历程。在企业初创阶段，鹏 华基金通过科创主题基金、行业主题基金以及专户产品等 ...

Core Viewpoint - The gold market is experiencing significant volatility, with the London gold spot price surpassing $5,500 per ounce on January 29, leading to a surge in domestic gold investment interest. In response, several banks, including Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB), and Ping An Bank, have implemented adjustments to their gold accumulation and fixed deposit services to manage risks and guide investor behavior [1]. Group 1: Yield Adjustments - The first category involves a reduction in yields, focusing on optimizing the rules for gold fixed deposits and accumulation. Ping An Bank announced that starting February 4, 2026, the yield for its gold accumulation business will be adjusted, with the current account yield dropping to 0.01%, and fixed deposit yields set at 0.2% for 3 months, 0.4% for 6 months, and 0.8% for 1 year. Existing customers will retain their current rates for fixed deposits made before the new rules take effect [2]. Group 2: Business Threshold and Rules Adjustments - The second category includes adjustments to business thresholds and processing rules, such as raising the minimum investment amount and implementing limit management. CCB announced that effective February 2, 2026, the minimum amount for personal gold accumulation will be raised to 1,500 yuan, marking the fourth increase in the past year. Previously, the threshold had been raised from 700 yuan to 1,200 yuan [2]. - ICBC has focused on managing non-trading day operations by implementing dynamic limit management for its gold accumulation business starting February 7, 2026. This will cover daily accumulation and redemption limits for all customers, with specific limits adjusted based on market volatility [3]. Group 3: Risk Management Enhancements - The third category involves upgrading risk management protocols to enhance investor suitability assessments. Several banks, including Agricultural Bank of China, have begun requiring higher risk tolerance evaluations for individual clients participating in gold accumulation transactions. ICBC has mandated that only clients rated C3 (balanced) and above can engage in gold accumulation starting January 12, 2026, while Agricultural Bank has restricted participation to cautious investors and above from January 30, 2026 [3].

生态环境部会同各有关部门加快构建美丽中国建设框架体系，包括战略布局、组织实施、协同行动，以 及先行示范、政策创新、责任落实等工作体系。目前，美丽中国建设框架体系已基本形成，"1+1+N"工 作布局全面展开，23项分领域行动有力推进，三大战略区域美丽中国先行区建设高起点起步，分级分类 推进省域篇章和美丽城市、美丽乡村建设，累计发布了141个美丽河湖、43个美丽海湾优秀案例，印发 《地方党政领导干部生态环境保护责任制规定(试行)》，推动制定美丽中国建设成效考核办法，压紧压 实各方面责任，形成齐抓共管的工作格局。 聚焦源头治理，提升重点行业污染减排能力。以钢铁、水泥、焦化、煤电等高耗能、高排放行业为重 点，一方面有序推进淘汰落后产能，另一方面持续推进现有产能绿色化转型升级，累计完成9.4亿吨粗 钢产能、4.7亿吨水泥熟料产能、3.6亿吨焦化产能、1.7亿千瓦煤电机组超低排放改造。建成全球规模最 大的清洁电力供应体系和清洁钢铁生产体系;聚焦补齐短板，提升城乡环境基础设施建设水平。城镇层 面，目前全国城市污水处理能力提升至2.34亿立方米/日，污水管网长度达53.4万公里。农村层面，全国 新增完成11万个行政村农村环境 ...

Core Viewpoint - Strong rule of law is a key support for the high-standard construction of Hainan Free Trade Port, emphasizing the need for legal administration and the effective use of legislative powers to create a regulatory system aligned with international trade rules [3][7]. Group 1: Government Efficiency and Risk Management - The government has enhanced risk identification and prevention measures, particularly in the context of the Free Trade Port's operations, with a focus on maintaining social stability and combating smuggling [4]. - A comprehensive digital transformation of government services has been initiated, achieving a 96.6% rate of zero-run administrative services, positioning Hainan as a leader in efficient governance [4]. - The province has established a unified disaster insurance system to mitigate the impact of natural disasters, successfully reducing the number of safety incidents and fatalities [4]. Group 2: Development Goals and Strategic Focus - The "14th Five-Year Plan" period is critical for the high-standard construction of the Free Trade Port, with specific goals set for economic and social development, including the establishment of a competitive customs regulatory area [6]. - The government aims to achieve substantial progress in creating a favorable business environment and enhancing international cooperation networks during the "15th Five-Year Plan" [6]. - Eight strategic focuses have been identified to drive development, including promoting openness, high-quality development, ecological civilization, and risk prevention [6][7]. Group 3: Legal Framework and Governance - The government is committed to strengthening legal governance, utilizing legislative powers to enhance the regulatory framework in key and emerging sectors [7]. - There is a focus on improving foreign-related legal capabilities and establishing a one-stop mechanism for resolving international commercial disputes [7]. - The administration emphasizes transparency and accountability, actively engaging in legislative coordination and public supervision to ensure lawful governance [7].

监管层的及时出手，更是为了防范市场过热带来的潜在风险。上海黄金交易所、上海期货交易所即将上调黄金白 银合约保证金与涨跌停板比例。这些举措看似是收紧了交易规则、强化了监管力度，实是为了引导市场回归理 性，保护投资者的合法权益。这既是对市场负责，也是对每一位投资者负责。 对于普通投资者而言，面对火热的黄金市场，与其盲目追高，不如理性看待。尽管世界黄金协会29日发布的报告 预测强劲的黄金需求势头有望延续，但只是可能的市场趋势，并不代表投资无风险。黄金可作为资产配置选项， 但绝非"稳赚不赔"的神器，需摒弃"一夜暴富"心理，远离无资质平台，结合自身风险承受力理性决策。 金融市场的底线在于理性的风控。黄金价格的冲高，是全球经济金融形势的一面镜子，却不是投资者可以肆意冒 险的理由。唯有保持理性认知、树立风险意识，才能在潮起潮落中行稳致远。毕竟，真正的资产保值，从来都不 靠跟风追高，而是靠清醒判断和稳健选择。 证券时报记者 吴少龙 现货黄金站上5500美元/盎司新高，国内足金饰品价格突破1700元/克。2026年以来，国际、国内金价涨幅均超过 15%，金价持续走高带动市场情绪升温，但热度背后，市场的一系列风险信号，却在不断提 ...

海口海关党委书记、关长高瑞峰表示，2026年，海口海关紧紧围绕将海南自贸港建设成具有世界竞争力 和影响力的海关监管特殊区域，主要从以下4个方面做好相关工作：一是聚焦推动核心政策落地见效。 继续开展政策大宣讲，一对一进企业进行宣讲，联合市县、园区对重点企业进行落地的细化宣讲，真正 让政策落地见效。同时对政策的落地进行评估，认真收集企业在政策执行中遇到的困难和问题；二是聚 焦持续优化口岸营商环境、压缩通关时间、降低通关成本。围绕四大主导产业加工增值免关税、保税维 修、保税再制造等特殊新场景，逐项出台便利化通关措施，并优化风险布控查验比例、压缩查验时间、 大幅缩短检测时间，真正实现压缩通关时间、降低通关成本的目的，还要实现AEO企业再增长20%、通 关成本再降15%的目标；三是聚焦提升风险防控能力。充分利用大数据、算力等手段，实现数据共享、 风险联合研判、联合处置，坚决守住"二线口岸"和非设关地不发生系统性、规模性风险，确保封关运作 各项政策落地到位；四是聚焦提升海关作风和能力建设。树立马上就办、真抓实干的工作作风，对地方 政府和进出口企业提出的诉求绝不轻易说"不"，认真研究加以解决，分内的事不推诿、不扯皮，即使是 ...