近日，山西、陕西、河南等多地的中小银行迎来一轮存款利率的逆势上调。 "利率上浮！"1月13日晚间，山西沁水农商银行在官微发文，宣布"存款利率全面上浮"。其中，1年期、 2年期和3年期50元起存的普通存款，利率分别上行至1.45%、1.50%和1.75%，同期限的三只大额存单产 品利率也分别上调至1.50%、1.50%和1.80%。同日，山西广灵农商行也打出"存款还得存农商行"的标 语，将1年至5年期定存利率上调至1.45%—1.8%。 陕西商南农商银行在月初宣布，自1月5日至3月31日期间办理定期储蓄存款的客户可享利率上浮优惠并 获得礼品。记者注意到，该行主要针对3个月至2年期整存整取的普通中短期存款进行调整，整体上浮区 间在14至15个BP。河南泌阳农商银行则在推送中强调了1年期和3年期定存产品上调后的利率，其中3年 期定存利率可达1.73%。 值得关注的是，与往年相比，今年银行"开门红"略显冷清。中小银行存款利率上调的幅度明显收窄，大 多在20BP上下，且参与上调的机构数量明显减少。 在复旦发展研究院助理研究员、复旦平安宏观经济研究中心主任助理石烁看来，监管部门持续推动存款 利率市场化自律机制，多次窗口指 ...

格隆汇1月15日丨大众金融控股(00626.HK)公告，截至2025年12月31日止年度，集团录得除税后溢利港 币7970万元，而去年则录得除税后亏损港币9.994亿元(包括商誉减值港币8.1亿元)。2025年，集团的每 股基本盈利为港币0.07元(2024年每股基本亏损：港币0.91元)。董事会已于2025年6月宣派第一次中期股 息每股港币0.02元，及于2025年12月宣派第二次中期股息每股港币0.05元。董事会不建议派付末期股息 (2024年：无)，故此2025年度股息总额为每股港币0.07元(2024年：无)。2025年度已宣派及派付的股息 总额为港币7,690万元(2024年：无)。 回顾年内，集团的利息收入减少港币1.113亿元或5.4%至港币19.4亿元，主要由于受市场利率及港元最 优惠利率下跌影响，客户贷款的利息收入减少所致。总利息支出减少港币2.817亿元或26.3%至港币 7.874亿元，主要由于定期存款的资金成本减少，加上低成本的往来及储蓄存款增加所致。 因此，集团的净利息收入增加港币1.704亿元或17.3%至港币11.5亿元。集团的其他营业收入增加港币 3,440万元或13.6%至港 ...

Group 1 - HSBC Holdings is exploring multiple options for its Singapore insurance business, including a potential sale, as part of a broader business restructuring led by CEO Georges Elhedery [3][4] - The valuation of HSBC Life Insurance (Singapore) Private Limited may exceed $1 billion, with several insurance companies and investment firms expressing initial interest [3] - The assessment of the insurance business is still in the early stages, and HSBC has not made a final decision [4] Group 2 - HSBC's insurance operations in Singapore include life insurance, critical illness insurance, savings insurance, personal accident insurance, and health insurance, which have been expanded through acquisitions [4] - In 2022, HSBC acquired 100% of AXA Insurance Pte Limited for $575 million, which was Singapore's eighth-largest life insurance company at the time [4] - The restructuring led by Elhedery is the largest in over a decade, reorganizing HSBC into four departments and cutting certain business lines [4]

兴业银行1月15日大宗交易平台出现一笔成交，成交量500.00万股，成交金额1.02亿元，大宗交易成交价 为20.47元，相对今日收盘价溢价0.74%。该笔交易的买方营业部为华福证券有限责任公司福州鼓屏路证 券营业部，卖方营业部为兴业证券股份有限公司福州湖东路证券营业部。 （文章来源：证券时报网） 进一步统计，近3个月内该股累计发生4笔大宗交易，合计成交金额为8.43亿元。 1月15日兴业银行大宗交易一览 | 成交量 | 成交金额 | 成交价 | 相对当日收盘 | | | | --- | --- | --- | --- | --- | --- | | （万 | （万元） | 格 | 折溢价（%） | 买方营业部 | 卖方营业部 | | 股） | | （元） | | | | | 500.00 | 10235.00 | 20.47 | 0.74 | 华福证券有限责任公司福 | 兴业证券股份有限公司福 | | | | | | 州鼓屏路证券营业部 | 州湖东路证券营业部 | 证券时报·数据宝统计显示，兴业银行今日收盘价为20.32元，下跌0.93%，日换手率为0.48%，成交额为 20.71亿元，全天主力资金净流入1 ...

国务院新闻办公室于2026年1月15日（星期四）下午3时举行新闻发布会，请中国人民银行（简称"央 行"）新闻发言人、副行长邹澜，国家外汇局新闻发言人、副局长李斌，中国人民银行货币政策司司长 谢光启，中国人民银行新闻发言人、调查统计司司长闫先东，国家外汇局资本项目管理司司长肖胜介绍 货币金融政策支持实体经济高质量发展成效，并答记者问。 来看看发布会主要内容： 央行：下调各类结构性货币政策工具利率0.25个百分点央行：降准降息还有一定空间 央行：人民币汇率预计将继续双向浮动，保持弹性 邹澜1月15日在国新办新闻发布会上表示，总体看人民币汇率是稳健的。影响汇率的因素是非常多元 的，比如经济增长、货币政策、金融市场、地缘政治突发的风险事件等等。中国具有超大规模的市场和 完整产业链，科技创新和产业创新加速融合，新动能蓬勃发展，内需潜力不断释放，国内国际双循环更 加畅通，宏观经济长期向好，对人民币汇率基本稳定形成了支撑。也要看到，外部形势依然复杂严峻， 主要经济体利率调整幅度和节奏还有不确定性，地缘政治冲击可能持续存在，对汇率走势会有一定的扰 动，人民币汇率预计将继续双向浮动，保持弹性。 央行：中国没有必要也无意通过汇率 ...

市场开始降温了，不仅指数涨跌各半，而且沪深两市的成交额从昨天的从昨天的39414亿一下子降低到今天的29055 亿，减少了1万亿多，不过这样也好，走成慢牛的概率反而大了。 | 名称 | 必生 | 本月 | 本周 | 当天 | BIAS25 | | --- | --- | --- | --- | --- | --- | | A股总数量 | 5181 | 5181 | 5182 | 5182 | | | A股上涨数量 | 4193 | 4193 | 2752 | 2168 | | | A股下跌数量 | 953 | 953 | 2350 | 2897 | | | A股零涨幅数量 | 35 | 35 | 80 | 117 | | | 涨幅>10% | 25. 19% | 25. 19% | 6.21% | 0. 91% | | | 涨幅>5%到10% | 23.61% | 23.61% | 9.61% | 3.01% | | | 涨幅>0%到5% | 32. 14% | 32. 14% | 37.28% | 37.92% | | | 涨幅>-5%到0% | 14.71% | 14.71% | 38. 87% | 52 ...

Core Insights - Shanghai's "28 Measures" aim to stimulate consumption through a systematic restructuring of the supply side rather than simple financial incentives, focusing on enhancing quality and efficiency in various sectors [2][8][20] Group 1: Policy Measures - The measures include 28 specific policies designed to optimize the supply side and activate the entire consumption chain [2][8] - The policies encourage financial institutions to develop tailored financial products for emerging consumption scenarios such as holiday, night, nostalgic, and two-dimensional economies [4][16] - The initiative promotes the integration of financial services with cultural and tourism sectors, aiming to create a comprehensive ecosystem that supports both supply and demand [5][17] Group 2: Financial Innovations - The measures facilitate the securitization of personal consumption loans, which can enhance banks' lending capabilities and foster a positive cycle of financial support for consumption [4][17] - Innovations in financial products are expected to extend beyond traditional large-item purchases to include experiences like themed exhibitions and night markets [4][16] - The optimization of inclusive insurance products provides a safety net for consumers, alleviating concerns and encouraging spending [5][17] Group 3: Digital Content and AI - The development of AI micro-dramas is highlighted as a key area for cultural consumption, with policies aimed at creating a hub for this content and fostering talent through competitions [6][18] - The integration of AI technology is expected to lower production costs and increase output efficiency in the digital content sector, leading to significant market growth [21][22] - The cross-industry collaboration between micro-dramas and tourism or commerce is anticipated to open new monetization channels for advertising and brand placement [21][22] Group 4: Industry Integration - The measures emphasize the deep integration of cultural, tourism, and commercial sectors, breaking down barriers and creating new opportunities for resource consolidation [10][22] - The focus on experiential consumption is expected to transform traditional shopping centers into experience centers, enhancing customer retention and rental income [10][22] - The promotion of event-driven consumption models, such as "travel with events," is likely to benefit the sports industry and related sectors [10][22] Group 5: Retail and Service Upgrades - Retail and service industries are encouraged to adopt digital tools for comprehensive upgrades, leading to innovations like unmanned retail and smart business districts [11][23] - The policies aim to expand the production service sector, including advertising and market research, to better align with high-quality consumer demand [11][23] - Sectors related to healthcare, childcare, and green consumption are expected to be activated through policy guidance and financial support, creating new family consumption engines [11][23]

Group 1 - China's innovation ecosystem has shown significant results, with many small tech companies receiving support in technology and funding, facilitating their technological breakthroughs [1][10] - Over 600,000 tech and innovative SMEs have been cultivated in China, with more than 140,000 specialized and innovative SMEs and over 17,600 national-level "little giant" enterprises [10] - Private enterprises constitute the majority among specialized and innovative SMEs, which are crucial for the country's technological self-reliance efforts [10] Group 2 - Beijing Bank is a representative pioneer in nurturing industrial innovation through financial support, focusing on technology finance as its primary strategy [2][11] - The bank aims to build a "specialized and innovative first bank" by restructuring service structures and innovating product systems to empower private and tech SMEs [2][12] Group 3 - Beijing Bank has developed a comprehensive financial service system that accompanies tech enterprises throughout their development cycle, providing tailored financial support [4][13] - The bank has established a "1+18+N" technology finance specialized network, serving nearly 60,000 tech SMEs with over 1.45 trillion yuan in credit funding [5][14] Group 4 - The core challenge in serving specialized and innovative enterprises lies in pricing their intangible assets, such as patents and data algorithms, which differ from traditional hard assets [6][15] - Beijing Bank has innovated its risk assessment by integrating various data sources to create dynamic digital profiles of enterprises, enhancing financing efficiency [7][15] Group 5 - The bank's strategy extends beyond individual financing solutions to building a collaborative industrial innovation ecosystem, focusing on key industries like information technology and high-end equipment [18] - By acting as a resource connector, Beijing Bank helps tech companies find market orders and investment partners, transitioning from mere financing to comprehensive intelligence integration [18][19]

2026年1月6日，国家金融监督管理总局江苏监管局发布行政处罚信息公开表，工商银行宝应支行和苏州 吴中支行领罚单。 因存款和贷款业务未严格分离的主要违法违规行为，工商银行宝应支行被江苏金融监管局罚款30万元； 郭伟（时任工商银行宝应支行行长助理）被江苏金融监管局警告并罚款6万元。 因收取不合理费用的主要违法违规行为，工商银行苏州吴中支行被江苏金融监管局罚款30万元；陈家玮 （工商银行苏州吴中支行副行长）被江苏金融监管局警告并罚款6万元。 行政处罚信息公开表原文： 行政处罚信息公开表原文： | 序 | 当事人名 | 行政处罚决定 | 主要违法违规行为 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | 름 | 称 | 书文号 | | 内容 | 机关 | | ﺎ | 中国工商 银行股份 | 苏金罚决字 | 存款和贷款业务未严 | 罚款30万 | 江苏金融 | | | | (2025) 167 | | | | | | 有限公司 | ਵੇ | 格分离 | 元 | 监管局 | | | 宝应支行 | | | | | | 2 | 郭伟(时 任中国工 商银行股 | ...

文 | 银行螺丝钉 （转载请注明出处） 今天大盘略微下跌，波动不大，截止到收盘，还在3.8星。 沪深300等大盘股微涨，小盘股下跌多一些。 前几天小盘股上涨比较多，这两天回调也大，盈亏同源。 价值风格波动不大，现金流等指数微涨。 成长风格微涨。 港股今天也下跌。 港股红利类品种波动不大，港股科技股下跌多一些。 不过几个组合表现稳定，今天整体上涨。 随着市场上涨，低估的品种也不太多了。 当时还没有现在的组合形态。都是一只只的低估指数基金定投。 从2018年至今，这个指数从底部上涨比较多。 估值上，目前在29倍市盈率上下（30倍到高估）。估值表里也有这个指数的。 这几年也一直持有下来，这个指数从18年5点几星到现在，也上涨了80%左右。 类似的还有中证红利、300价值等。 例如2018年定投的中证红利，到现在也有60%多的收益。 2. 低波动跟红利策略类似，也是每次调仓的时候会有低买高卖的特点，让指数的估值降低一些。 红利类指数还有一些低估品种。 螺丝钉汇总了关于红利指数的估值，供参考，见文章下方图片。 1. 有朋友问，以前定投的500低波动到高估了么？ 500低波动是2018年那轮5点几星，咱们定投比较多的指数 ...