2月27日，交通银行公告董事会已审议通过《关于深化零售板块体制机制改革的议案》； 决议的落地，意味着这家国有大行在零售业务领域的组织架构调整与战略升级，已经步入了实质性落地 阶段。 在宏观经济周期性波动与银行业净息差普遍承压的大背景下，零售业务作为商业银行"压舱石"的作用愈 发凸显，交行此番的大动作也并非突发，而是其近年来持续推进零售转型战略的必然延伸。 这一战略定位，将"数字化"从单纯的技术赋能层面，提升到了主导零售业务经营的核心位置，标志着交 行试图以科技驱动重塑零售底层逻辑。 伴随架构调整而来的，是密集的人事换防。根据2025年末的公开信息，交行已完成个金板块架构整合， 原新成立的数字化经营中心已并入个人金融业务部，组建为"个人金融业务部/消费者权益保护部/数智化 经营中心"，并已任命了新的负责人。 从行业惯例来看，零售业务的转型往往离不开架构与人事的双轮驱动。 交行通过调兵遣将，将具备丰富一线经验和数字化视野的业务骨干推至台前，意在为全新的零售架构注 入执行力； 此次董事会正式通过《关于深化零售板块体制机制改革的议案》，可以视作是对2025年以来包括设立数 字化经营中心、完成个金板块整合等一系列改革举 ...

2026.02.25 本文字数：2629，阅读时长大约4分钟 作者 |第一财经 陈君君 春节假期刚过，关于压岁钱的讨论再次升温。 对不少孩子来说，这是春节期间最真实的一笔"大额收入"；对家长而言，则是一场关于财商教育的实操 课；而在银行体系内部，这笔看似分散的小钱，正成为零售转型中的一块新拼图。 近期，从国有大行到股份制银行，再到城农商行，多家机构密集推出儿童专属储蓄账户、亲子共管理财 方案及压岁钱定制存单。部分产品给予阶段性利率上浮，个别产品利率甚至高于同期限成人存款。 业内人士称，当压岁钱不再只是"过年红包"，银行也开始重新审视其客户价值。在净息差持续承压的背 景下，发力零售业务、拓展细分客群，成为银行寻求利润增长点的重要路径。 一笔9000元的"人生第一桶金" 大年初二，12岁的金金跟随父母亲回长辈家拜年。爷爷奶奶各给1000元，外公外婆各1000元，一位伯伯 和一位姑姑各1000元，再加上哥哥姐姐的红包，总计9000元。 这是她目前为止收到的最大一笔压岁钱。 金金告诉记者，这笔钱将由她自己管理。母亲建议将资金存入银行，并适当配置教育类保险。"金额大 小不是关键，重要的是让她学会规划。"母亲说。 相比之 ...

金金告诉记者，这笔钱将由她自己管理。母亲建议将资金存入银行，并适当配置教育类保险。"金额大 小不是关键，重要的是让她学会规划。"母亲说。 相比之下，金金的表姐回忆，自己13岁那年拿到的压岁钱不过1000元，其余都被父母"代为保管"。"现 在回头看，其实对钱的概念建立得比较晚。"她说。 春节假期刚过，关于压岁钱的讨论再次升温。 对不少孩子来说，这是春节期间最真实的一笔"大额收入"；对家长而言，则是一场关于财商教育的实操 课；而在银行体系内部，这笔看似分散的小钱，正成为零售转型中的一块新拼图。 近期，从国有大行到股份制银行，再到城农商行，多家机构密集推出儿童专属储蓄账户、亲子共管理财 方案及压岁钱定制存单。部分产品给予阶段性利率上浮，个别产品利率甚至高于同期限成人存款。 业内人士称，当压岁钱不再只是"过年红包"，银行也开始重新审视其客户价值。在净息差持续承压的背 景下，发力零售业务、拓展细分客群，成为银行寻求利润增长点的重要路径。 一笔9000元的"人生第一桶金" 大年初二，12岁的金金跟随父母亲回长辈家拜年。爷爷奶奶各给1000元，外公外婆各1000元，一位伯伯 和一位姑姑各1000元，再加上哥哥姐姐的红包，总 ...

银行零售业务的"新蓝海"。 春节假期刚过，关于压岁钱的讨论再次升温。 对不少孩子来说，这是春节期间最真实的一笔"大额收入"；对家长而言，则是一场关于财商教育的实操 课；而在银行体系内部，这笔看似分散的小钱，正成为零售转型中的一块新拼图。 近期，从国有大行到股份制银行，再到城农商行，多家机构密集推出儿童专属储蓄账户、亲子共管理财 方案及压岁钱定制存单。部分产品给予阶段性利率上浮，个别产品利率甚至高于同期限成人存款。 业内人士称，当压岁钱不再只是"过年红包"，银行也开始重新审视其客户价值。在净息差持续承压的背 景下，发力零售业务、拓展细分客群，成为银行寻求利润增长点的重要路径。 一笔9000元的"人生第一桶金" 大年初二，12岁的金金跟随父母亲回长辈家拜年。爷爷奶奶各给1000元，外公外婆各1000元，一位伯伯 和一位姑姑各1000元，再加上哥哥姐姐的红包，总计9000元。 这是她目前为止收到的最大一笔压岁钱。 金金告诉记者，这笔钱将由她自己管理。母亲建议将资金存入银行，并适当配置教育类保险。"金额大 小不是关键，重要的是让她学会规划。"母亲说。 相比之下，金金的表姐回忆，自己13岁那年拿到的压岁钱不过1000元 ...

【文/羽扇观金工作室】 春节假期刚过，银行间一场围绕孩子的客户争夺战悄然升温。从国有大行到城农商行，多家银行在节前 就推出了针对未成年人的储蓄及理财服务，试图把孩子们春节收到的压岁钱，沉淀为银行的长期存款。 工商银行的"宝宝卡"、招商银行App内的"金小葵"专区、北京银行的"小京卡"......各家机构的产品设计各 有侧重。不少网点在春节期间迎来了带孩子办理开户业务的家长潮。驱动这一热潮的，不只是节日营销 惯例。随着家庭理财观念趋于理性，越来越多家长愿意通过规范的金融工具帮助孩子打理压岁钱，同时 培养孩子的财商意识。 而在银行自身经营层面，净息差持续收窄、揽储压力不断加大的背景下，压岁钱所代表的低成本、长留 存资金，其价值正被银行重新审视和发掘。 各路银行各显其能，利率倒挂背后是差异化的竞争逻辑 这场儿童金融竞争中，各家银行的打法并不相同，但有一点趋同——都在努力把产品做得更有辨识度。 国有大行凭借网点规模与品牌沉淀，选择打全面战。工商银行推出的"宝宝卡"针对儿童压岁钱储蓄，即 使存入金额较低，也可享受接近大额存款的利率优惠。以存款5000元为例，一般客户三年期存款利率为 1.25%，而"宝宝卡"客户三年期存 ...

编者按： 今年春节，你逛超市了没？ 曾经深陷闭店和业绩下滑的沃尔玛，最近完美翻身了！ 照搬山姆的选品和服务，但价格却更便宜，还不用付会员费。 推荐你看这篇文章，看看沃尔玛是怎么靠借鉴山姆实现"翻身"的。 经历了绝处逢生，沃尔玛终于在今年春节挣回了面子。 谁能想到，那个曾被唱衰"即将退出国内市场" 的沃尔玛，如今不仅起死回生，甚至成了比山姆还火的"平替迪士尼"。 零售圈的剧本从来都是这么出人意料： 就在2026年2月3日，全球零售巨头沃尔玛在美股盘中市值正式突破1万亿美元，成为全球第一家"万亿零售巨鳄"。 这个年过60的老古董，在过去一年股价上涨约26%，十年累计涨幅近468%，硬生生挤进由英伟达、苹果、微软等科技巨头占据的万亿美元俱乐部。 在国内，沃尔玛去年的改头换面甚至强的有点邪门。 一边是山姆深陷选品降级、会员吐槽的泥潭，一边是作为山姆"亲爹" 的沃尔玛，靠着 "偷师" 小儿子完成了惊天翻盘。 以至于每一个重新走进沃尔玛的人，都会发出那句灵魂拷问：这背后到底是不是受高人指点了？ 这一幕，和沃尔玛门店里冷冷清清、六年关店129 家的场景形成了极致反差。 而这一切的背后，不过是沃尔玛终于想通了一个道理： 与其 ...

经济观察网 根据已知信息，未找到名为"大众银行"的实体相关事件。参考资料中涉及银行类股票的最 新事件主要围绕长沙银行（股票代码：001577.SZ）展开，以下为其2026年值得关注的事件摘要： 零售转型压力：子公司长银五八消费金融公司盈利承压，2025年上半年个人贷款不良率升至2.20%，票 据贴现不良率升至7.82%，反映零售业务风险上升。 财务状况 资产质量指标波动：截至2025年三季度，不良贷款率1.18%保持平稳，但关注类贷款占比升至3.25%， 逾期贷款率升至2.22%，需警惕潜在风险暴露。 行业政策与环境 新董事长履职：2025年12月19日，长沙银行首位女董事长张曼正式履职，高管团队全部为70后，75后占 比提升，为2026年战略转型注入新动力。 公司状况 优先股赎回完成：2025年12月25日，该行完成2019年发行的60亿元优先股（长银优1）赎回及注销，支 付本息合计62.304亿元，旨在优化资本结构并降低融资成本。 经营状况 高管变动 以上内容基于公开资料整理，不构成投资建议。 政策与市场趋势：2026年初银行优先股赎回潮延续（如北京银行、上海银行等），利率倒挂背景下银行 通过"高息退场、 ...

Core Viewpoint - Yonghui Supermarket is undergoing significant strategic adjustments, including closing nearly 400 low-quality stores and focusing on the transformation of over 300 existing stores to enhance customer flow and sales in 2025, while also acknowledging past mistakes in its expansion strategy [2][3][6]. Group 1: Strategic Adjustments - In 2025, Yonghui Supermarket plans to close approximately 400 low-quality stores and systematically renovate over 300 existing stores, aiming for a dual growth in same-store traffic and sales [2][3]. - The company anticipates a net loss of 2.14 billion yuan for 2025, which represents a 45.6% increase in losses compared to the previous year [2]. - The strategic adjustments include significant asset write-offs and one-time costs totaling around 910 million yuan, alongside an estimated gross profit loss of about 300 million yuan due to store closures and renovations [3]. Group 2: Focus Areas for 2026 - Yonghui Supermarket will concentrate on three main areas for deepening its operations: product quality, store experience, and organizational structure [9][10][11]. - The company aims to transition from procurement to co-creation in product quality, establishing a quality ecosystem with core production areas and factories [10]. - The store experience will evolve from a transactional space to a community hub, enhancing customer convenience and engagement [11]. - Organizational changes will focus on empowering employees and simplifying processes to enhance decision-making and responsiveness at the frontline [13]. Group 3: Employee and Customer Engagement - In 2025, Yonghui Supermarket distributed nearly 50 million yuan in profit sharing to employees, reflecting a commitment to share operational success with staff [2][8]. - The company emphasizes a people-centric approach, aiming to create a positive work environment for employees and a satisfying shopping experience for customers [8][12]. - The overarching mission is to make employees happier, customers more satisfied, and contribute positively to society [15].

Core Viewpoint - Postal Savings Bank of China (PSBC) has shown poor stock performance despite being one of the best in terms of net interest margin and non-performing loan (NPL) ratio among the six major banks, raising questions about its low valuation in a generally bullish banking sector [3][4][5]. Group 1: Performance Comparison - In 2025, Agricultural Bank of China (ABC) had a stock price increase of 52.66%, while PSBC only saw a rise of 0.67%, slightly outperforming Bank of Communications (0.37%) [3][4]. - As of January 2026, PSBC's price-to-book (PB) ratio was 0.6, the second lowest among the six major banks, significantly lower than ABC's 0.86 [5]. Group 2: Financial Metrics - For the first three quarters of 2025, PSBC's revenue grew by 1.82% and net profit by 0.98%, placing it in the middle tier among state-owned banks [7]. - PSBC led the six major banks in asset expansion speed, indicating competitive project acquisition capabilities [11]. Group 3: Risk and Business Structure - Despite having the best net interest margin and lowest NPL ratio among the six major banks, PSBC's valuation remains low due to concerns over risk accumulation in its retail-focused business model [12][14]. - The shift in retail lending dynamics has led to increased NPL ratios, with PSBC being the only major bank experiencing a continuous rise in NPLs and a decline in provision coverage [17][20]. Group 4: Strategic Changes and Leadership - The recent appointment of Lu Wei as the new president is expected to bring a shift in strategy, focusing on corporate lending and addressing the bank's weaknesses in wealth management and corporate services [25][32]. - The transition from a retail-dominant strategy to a more balanced approach involving corporate lending is anticipated to take time due to structural constraints [33][40]. Group 5: Market Expectations - The market has some renewed expectations for PSBC under the new leadership, particularly in enhancing corporate lending capabilities and addressing the existing talent gaps in wealth management [41]. - If PSBC can manage to alleviate individual loan risks and improve its wealth management offerings, there may be potential for a positive stock performance in the near future [41].

Core Viewpoint - Nanjing Bank has announced the transfer of non-performing assets, specifically personal non-performing loans related to credit card overdrafts, with a total outstanding principal of approximately 98.89 million yuan and total outstanding interest of about 24.32 million yuan, indicating a significant focus on managing and disposing of non-performing loans [1][2][13]. Group 1: Non-Performing Loan Transfer Details - The asset package consists of 604 loans from 499 borrowers, with a weighted average overdue period of 553.44 days and an average borrower age of 44.73 years [1][2][17]. - The total outstanding principal is 98.89 million yuan, total outstanding interest is 24.32 million yuan, and the total outstanding principal and interest amount to approximately 123.20 million yuan [2][15]. - The classification of the loans shows 601 as losses and 3 as suspicious [14][15]. Group 2: Conditions for Potential Buyers - Interested buyers must conduct individual investigations of the non-performing loans and agree to bear the risks associated with the disposal of these assets [3][16]. - Buyers are required to commit to using only legal means for the collection of these loans and are prohibited from transferring the loans to third parties or using violent collection methods [3][16]. Group 3: Retail Business Performance - Nanjing Bank has emphasized retail banking as a key area, launching a "three-year doubling plan for retail value customers" to enhance channel development and product creation [3][16]. - As of mid-2025, the bank's personal loan balance reached 3319.49 billion yuan, with a year-on-year increase of 117.55 billion yuan, reflecting a growth rate of 3.67% [4][17]. - Consumer loans accounted for over 62% of the total personal loans, while credit card overdrafts represented only 4.43% [4][17]. Group 4: Loan Growth and Quality - By the end of Q3 2025, the personal loan balance increased to 3383.47 billion yuan, marking a growth of 5.67% compared to the end of the previous year [20]. - The non-performing loan ratio for personal loans rose to 1.33%, up from 1.29% at the end of the previous year, indicating a slight increase in loan quality concerns [10][22]. - Despite the increase in non-performing loans, the retail segment achieved a revenue of 117.02 billion yuan in the first three quarters of 2025, with a year-on-year growth rate of 22.10% [12][22].