监管 01 央行：强化消费领域金融支持 2月4日，中国人民银行发布消息，2026年1月30日，中国人民银行召开2026年信贷市场工作会议。 03 上海华瑞银行董事长任职资格获核准 日前，上海华瑞银行公告称，该行近日收到批复，国家金融监督管理总局上海监管局吴克照该行董事长的任职资 格。 04 凉山农商银行被罚120万元 会议提到，进一步完善金融"五篇大文章"各项机制，落实好结构性货币政策工具增量政策，加强与财政政策协 同，大力发展科技金融、绿色金融、普惠金融、养老金融、数字金融，强化消费领域金融支持。 02 银行不良资产转让出现新模式 日前，哈尔滨银行发布公告，对去年12月披露的一份债权转让协议进行说明。在这次债权转让过程中，部分约定 转让价款设置了收款条件，需依赖哈尔滨银行对标的债权的后续清收结果进行兑现。 业内人士认为，中小银行批量处置不良资产，或出于改善资产结构和提升资产质量的考虑。而附条件债权转让模 式，未来或许会被不良资产处置行业更多采用。（中国证券报） 据了解，付费通成立于2003年，并在2011年5月获得人民银行颁发的《支付业务许可证》，与支付宝、财付通都是 首批获得支付牌照的机构。 付费通主要股 ...

2月5日，中国人民银行天津市分行召开新闻发布会，公布2025年天津市金融运行情况。 "五篇大文章"重点领域贷款余额合计超万亿 天津银行信贷政策管理处负责人介绍，截至2025年年末，全市"五篇大文章"重点领域贷款余额合计超万 亿，科技、绿色、普惠、养老、数字等领域贷款均实现两位数增长。 数据显示，过去一年天津市社会融资累计增量超5000亿元，同比多增464亿元，创有统计以来历史新 高。存贷款增速稳中有进，信贷结构持续优化，金融对经济高质量发展的支撑作用进一步增强。 与此同时，全市"五篇大文章"重点领域贷款余额合计突破万亿元，科技、绿色、普惠、养老、数字金融 等领域贷款均实现两位数增长。跨境人民币业务规模稳步扩大，全年业务量突破6300亿元，同比增长 17%，连续六年保持增长，同样创下历史新高。 社会融资增量创历史新高 天津人行调查统计处负责人介绍，2025年天津市社会融资规模累计增量为5384亿元，同比多464亿元， 创有统计以来历史新高。"十四五"期间，社会融资规模保持在较高水平，累计增量和年均增量分别为 2.23万亿元和4451亿元。 存款保持稳定较快增长。 2025年末，全市各项存款余额5.06万亿元，较 ...

Core Insights - The "Pearl River Financial Summit 2026" was held, focusing on the theme of "Deepening the 'Five Major Articles' to Paint a New Picture for the Bay Area," attracting over 200 guests from regulatory bodies, academia, and financial institutions to explore new financial opportunities in the first year of the 14th Five-Year Plan [1][8] Group 1: Awards and Recognition - Ping An Rongyi, a micro-financing service under Lufax Holding, won the "2025 Outstanding Contribution Team Award for High-Quality Development" for its support and innovative models for small and micro enterprises in the Greater Bay Area [3] - The award signifies recognition of its achievements in inclusive finance and the expectation to continue empowering the real economy during the new journey of the 14th Five-Year Plan [3][9] Group 2: Financial Strategies and Innovations - Inclusive finance is highlighted as a crucial link between financial resources and the real economy, playing an irreplaceable role in stabilizing employment and promoting livelihoods [4] - Ping An Rongyi has been deeply engaged in inclusive finance since 2005, focusing on addressing the financing challenges faced by small and micro enterprises in the Bay Area, which are often hindered by difficulties in obtaining financing [5] Group 3: Service Model and Technology Integration - The company has developed a Bay Area-specific service model that emphasizes speed, precision, and a human touch, utilizing AI for rapid loan approvals and remote consultations [6][7] - The "Prism" project aims to provide customized financial solutions based on in-depth research of local industries, enhancing the accessibility and efficiency of financial services for small enterprises [11][12] Group 4: Future Outlook - Experts at the summit believe that during the 14th Five-Year Plan, the Greater Bay Area will accelerate its development towards becoming a world-class bay area, with a shift from quantitative expansion to qualitative improvement in the financial sector [8] - Ping An Rongyi plans to deepen its digital finance applications and enhance its service coverage while focusing on technology finance, inclusive finance, and green finance through the "Prism" project [10][11]

2月1日出版的《求是》杂志发表习近平总书记重要文章《走好中国特色金融发展之路，建设金融强 国》。习近平总书记指出："我国金融必须守好服务实体经济本分，推动高质量发展，决不能脱实向 虚。" 实体经济是金融的根基，金融是实体经济的血脉，服务实体经济是金融的天职。近年来，金融系统坚持 把金融服务实体经济作为根本宗旨，持续做好金融"五篇大文章"，我国在绿色金融、普惠金融、数字金 融等方面走在世界前列。本版约请金融业从业人员、企业负责人和相关专家，探讨如何走好中国特色金 融发展之路，以金融高质量发展更好服务实体经济。 ——编者 为实体经济提供高质量金融服务 金融必须守好服务实体经济本分，围绕国家重大战略和政策传导落实，企业的多样化多元化金融需求， 广大人民追求美好生活的需要，深化金融供给侧结构性改革，为实体经济提供高质量金融服务。 首先，要服务好国家重大战略落地和政策落实。金融具有资金资源配置功能，可以引导资金流向，推动 国家重大战略和政策更有效落实。近期，在财政政策上，有关部门增加、优化贷款贴息，实施民间投资 专项担保计划，在货币政策上，降低结构性货币政策工具利率。金融业要积极主动作为，实现财政政策 与货币政策的协同 ...

（原标题：迪拜保险推出加密资产钱包） 据ZAWYA新闻网2026年1月29日报道，迪拜保险公司与伦敦Zodia Custody合作，推出阿联酋保险业 首个加密资产数字钱包，支持数字资产缴纳保费和理赔，标志保险服务向数字金融场景延伸，契合国家 数字金融发展战略。 ...

Core Insights - The Guangdong Digital Financial Innovation Industrial Park has officially launched its Financial City Park in Guangzhou, marking a significant step in the establishment of the first provincial-level digital financial park in China [1] - The park aims to create a robust ecosystem for financial technology companies by focusing on innovation in data, algorithms, computing power, and application scenarios, thereby fostering growth in the Greater Bay Area and influencing the national digital financial landscape [1] Group 1 - The Financial City Park covers an area of 50,000 square meters, indicating a transition from pilot exploration to a new phase of scale aggregation in the development of the industrial park [1] - The park is a key component of the Guangdong Digital Financial Innovation Industrial Park's core strategy, which includes "one room, one platform, and one park" [1] - The establishment of the park is intended to support Guangdong in becoming a digital financial hub and nurturing a technology-driven financial ecosystem [1]

Core Viewpoint - The Guangdong Digital Financial Innovation Industrial Park has officially launched its Financial City Park, marking a significant step in the development of a digital financial hub in China [1] Group 1: Overview of the Financial City Park - The Financial City Park is located in the heart of Guangzhou's financial district and is part of the first provincial-level digital financial park in China [1] - The park covers an area of 50,000 square meters, indicating a shift from pilot exploration to a new phase of large-scale aggregation [1] Group 2: Strategic Goals and Ecosystem Development - The park aims to leverage the core strategy of the Guangdong Digital Financial Innovation Industrial Park, which includes "data, algorithms, computing power, and scenarios" to foster an innovative service ecosystem [1] - The initiative is designed to support the growth of fintech companies in the Tianhe area, ultimately creating a digital financial industry cluster that radiates throughout the Greater Bay Area and influences the entire country [1]

1、央行公告称，2月5日以固定利率、数量招标方式开展了1185亿元7天期逆回购操作，操作 利率1.40%，投标量1185亿元，中标量1185亿元。同时，以固定数量、利率招标、多重价位 中标方式开展了3000亿元14天期逆回购操作。Wind数据显示，当日3540亿元逆回购到期， 据此计算，单日净投放645亿元。 2、财政部、海关总署、税务总局联合印发《关于海南自由贸易港岛内居民消费的进境商品" 零关税"政策的通知》，自公布之日起实施。政策规定，对海南自由贸易港岛内居民在指定经 营场所购买的进境商品，在免税额度和商品清单范围内免征进口关税、进口环节以及国内环节 增值税和消费税。其中，岛内居民包括持有海南省身份证、海南省居住证或海南省社保卡的中 国公民，在海南省工作生活并持有居留证件的境外人员。免税额度为每人每年1万元人民币， 不限购买次数。 3、中国人民银行召开2026年信贷市场工作会议。会议要求，大力发展科技金融、绿色金融、 普惠金融、养老金融、数字金融，强化消费领域金融支持。建设多层次金融服务体系，着力支 持扩大内需、科技创新、中小微企业等重点领域。继续做好金融支持融资平台债务风险化解工 作，支持地方政府持续 ...

Core Insights - The Gansu Provincial Government is focusing on enhancing financial services to support the real economy, with a target of increasing the social financing scale by 208.6 billion yuan by 2025 [1] - The total loan balance in the five key financial areas is projected to reach 1.1 trillion yuan, reflecting a year-on-year growth of 7.3% [1] Group 1: Financial Strategies - The People's Bank of China Gansu Branch is implementing structural monetary policy tools to direct credit resources towards key sectors and weak links in the real economy [3] - A "Financial Escort Plan for Technology Enterprises" is being organized to support technology-driven companies and major technological projects, with a target of achieving a technology loan balance of 463 billion yuan by the end of 2025, benefiting 6,452 enterprises [3] Group 2: Green Finance Initiatives - Gansu is deepening its green finance innovation pilot, aiming to increase credit support for green low-carbon transitions and ecological restoration, with a target green loan balance of 469.5 billion yuan by the end of 2025, an increase of 51.4 billion yuan from the beginning of the year [3] Group 3: Inclusive Finance Development - The province is focusing on inclusive finance by establishing a list of key industry chains and enterprises, with 379.8 key enterprises identified, leading to a total of 85.2 billion yuan in loans for these sectors, benefiting 567,000 business entities [3] Group 4: Consumer Finance and Economic Growth - Measures to boost consumption have been developed, including a credit support ledger for consumer and elderly care industries, with 30 million yuan allocated by 18 banks and UnionPay Gansu to stimulate social consumption growth [3] Group 5: Financing Costs - The average interest rate for new corporate loans in Gansu is 3.22%, down 0.49 percentage points year-on-year, while the average interest rate for new personal housing loans is 3.28%, down 0.41 percentage points year-on-year [4] - The bank has clarified the comprehensive financing costs for corporate loans, helping save 2.74 million yuan in non-interest costs for enterprises [4]

Group 1 - The People's Bank of China held a meeting to discuss the credit market work for 2026, emphasizing the need to adapt to economic and financial changes during the 14th Five-Year Plan period [1] - The meeting highlighted the importance of enhancing financial services for major strategies, key areas, and weak links, while promoting a multi-level financial service system to support domestic demand, technological innovation, and small and micro enterprises [1] - The meeting called for improved coordination between monetary and fiscal policies, and the development of various financial sectors including technology finance, green finance, inclusive finance, pension finance, and digital finance [1] Group 2 - Market analysts believe the central bank's meeting will bring multiple benefits to the banking sector, including expanding credit growth space and optimizing bank asset structures through structural monetary policy tools [2] - The meeting aims to solidify asset quality by addressing debt risks associated with financing platforms, while guiding business transformation and cultivating new profit growth points for banks [2] - The China Banking ETF (515020) is noted for tracking the China Securities Banking Index (399986) with the lowest comprehensive fee rate among ETFs [2]