在今年存款利率持续下行、大量高息定存集中到期的双重压力下，年初银行揽储呈现出分化态势。一边 是国有大行"按兵不动"，战略性放弃价格战，转而通过资产提升活动争夺客户的综合金融资产；另一边 是城商行、农商行逆势上调存款利率，甚至推出"存款送路费"等花式营销。这一"冷"一"热"的背后，既 是银行业净息差收窄下的现实抉择，也是从"规模扩张"向"财富管理"转型的缩影。 储户：从"抢存单"到"问理财" 春节过后，往往是银行揽储的黄金窗口期，但今年一线从业者感受到的却是另一番景象。华南地区一股 份行理财经理向记者坦言："客户对传统定期存款热情明显下降，更多人开始咨询理财、固收+等替代 产品。"这一微观变化，折射出今年"开门红"的深层转向。 中国人民银行最新发布的金融数据印证了这一趋势：1月住户存款增加2.13万亿元，但与2025年同期相 比，同比少增3.39万亿元；而非银行业金融机构存款则同比多增2.56万亿元。中国银河证券研报进一步 指出，居民存款增速与M2增速差值时隔7年半首次转负，这意味着居民资金正从单纯存款需求向多元资 产配置迁移。 这一现象的背后是存款利率持续下行。有储户对记者展示了2023年的存单——当时三年期 ...

If you are tired of the constant rollercoaster ride and headline drama of mainland regional banks, it might be time to take a little vacation in the Caribbean and look at a quiet local overachieverI have been investing and trading in my personal account for over 7 years now, with respectable profits. I focus on Commodities, iGaming & Casinos and cheap asset heavy businesses. I like to hold my investments for longer periods, but here and there I make some shorter trades when I see the market wrongly pricing ...

If you are tired of the constant rollercoaster ride and headline drama of mainland regional banks, it might be time to take a little vacation in the Caribbean and look at a quiet local overachieverI have been investing and trading in my personal account for over 7 years now, with respectable profits. I focus on Commodities, iGaming & Casinos and cheap asset heavy businesses. I like to hold my investments for longer periods, but here and there I make some shorter trades when I see the market wrongly pricing ...

I have been working in the logistics sector for almost two decades. I have been into stock investing and macroeconomic analysis for almost a decade. Currently, I focus on ASEAN and NYSE/NASDAQ Stocks, particularly in banks, telco, logistics, and hotels. Since 2014, I have been trading on the PH stock market. I focus on banking, telco, and retail sectors. A colleague encouraged me to engage in the stock market as part of my portfolio diversification instead of putting all my savings in banks and properties. ...

Time now for Options Corner. Joining us to take a deeper look at the chart is Rick Dukat, lead market technician. All right, Rick, what trends are you looking at on this chart.>> Yeah, so uh Birkshshire Hathaway here, uh we can see that uh you know, uh uh underperforming the financial sector and the S&P here. Uh but when we uh uh kind of try to think about how to compare this one, it's such a sprawling company, it's difficult to really compare it directly to other stocks. Instead, here's a an example of uh ...

Core Insights - Foreign markets are outperforming U.S. equities in 2026, with the MSCI World ex-US index gaining approximately 8% compared to a stagnant S&P 500 performance [2] - The dollar's weakness is a significant concern, with UBS predicting the euro to rise to $1.22 by the end of Q1, and historical data indicating that a 10% drop in the dollar's trade-weighted index leads to a 4% underperformance in U.S. equities [3] - UBS has downgraded American equities to "benchmark" status in a fully invested global equity portfolio, citing fading factors that previously supported U.S. stock outperformance [4] Market Dynamics - Corporate buybacks, a key driver of U.S. stock strength, are losing their effectiveness, with the buyback yield now comparable to global peers, which diminishes support for earnings per share growth [5] - The combined shareholder yield from dividends and buybacks in the U.S. is about half that of Europe, indicating a shift in capital flows [5] - The sector-adjusted price-to-earnings ratio for U.S. stocks is 35% above international peers, significantly higher than the average premium of 4% since 2010, with 60% of sectors trading at higher multiples than their global counterparts [6] Policy Environment - Policy volatility under the Trump administration presents additional challenges, including changes in tariff policies and scrutiny of corporate practices such as drug pricing and buybacks [7] - Despite these challenges, the U.S. economy and equities may benefit during the early phases of a potential market bubble, with expectations for artificial intelligence adoption to drive earnings growth across key industries [8] Market Projections - UBS strategist Sean Simonds has set a year-end target of 7,500 for the S&P 500, which is lower than the average forecast of 7,629 among top strategists [9]

关注重点人群，把贴心守护做到心坎里。 博兴农商银行坚持分类施策、精准服务：面向小微企业主和 个体工商户，重点讲解对公账户管理、电子票据安全等知识；面向在校学生及年轻客群，聚焦个人信息 保护、网络支付安全等内容；面向农村留守老人，以通俗易懂的方式反复提醒"不轻信、不转账、不透 露"。同时，各营业网点设立"金融安全咨询台"，由大堂经理担任安全宣讲员，随时解答客户关于账户 安全、信息泄露等方面的疑问，让客户带着问题上门的焦虑，换成明明白白回家的安心。 守护客户的信息安全，既需要技术屏障的"硬防护"，更需要客户自身的"软防范"，博兴农商银行将继续 做好金融安全知识的传播者、风险防范的陪伴者，让数据安全意识走进千家万户，让每一位客户都能安 心享受数字金融带来的便捷。 走进村居社区，把安全知识送到家门口。 金融安全无小事，防范意识要先行。博兴农商银行依托网点 遍布城乡、客户经理深耕一线的优势，将数据安全宣传融入日常服务。今年以来，全行组织开展"金融 知识进万家""网络安全赶大集"等主题宣传活动40余场，覆盖全县所有乡镇及重点行政村。客户经理进 村入户，面对面讲解银行卡保管、密码设置、验证码保护等基础知识；针对老年客户群体 ...

Northpointe Bancshares, Inc. Announces Appointment of Rodney E. Hood to its Board of DirectorsFeb 27, 2026 9:20 AM Eastern Standard Time# Northpointe Bancshares, Inc. Announces Appointment of Rodney E. Hood to its Board of DirectorsShare---GRAND RAPIDS, Mich.--([BUSINESS WIRE])--Northpointe Bancshares, Inc. (NYSE: NPB) (the "Company†), announced today that the Honorable Rodney E. Hood has been appointed to the Board of Directors of the Company and its subsidiary, Northpointe Bank, effective February 27, 2 ...

FAYETTEVILLE, Ark., Feb. 27, 2026 (GLOBE NEWSWIRE) -- White River Bancshares Company (OTCQX: WRIV), (the “Company”) the holding company for Signature Bank of Arkansas (the “Bank”), today announced that it has completed the private placement (the “Private Placement”) of $25.0 million in fixed-to-floating rate subordinated notes due February 29, 2036 (the “Notes”) to certain qualified institutional buyers and institutional accredited investors. The Company intends to use the net proceeds from this Private Pla ...

在贵金属市场波动加剧的背景下，银行上调个人贵金属延期合约保证金比例至100%，这是一项具有前 瞻性的主动风险管理举措。 工商银行、农业银行、建设银行近日纷纷出手，将个人客户上海黄金交易所（下称"上金所"）延期合约 保证金比例同步上调至100%。《国际金融报》记者注意到，多家机构年内已完成3至4轮上调动作。 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表示，对投资者而言，把保证金 比例拉到100%能够把"爆仓"和"强平链条"尽量截断。对银行而言，能够压降尾部风险与运营压力。更 重要的是，保证金比例100%会天然压缩高频与短线资金，有望压降投机性的成交量，引导贵金属投资 者转向长期持有或者风险对冲。 国有大行多次出手控风险 多家银行再度上调个人客户上金所延期合约保证金比例。 "鉴于近期贵金属市场风险显著增加，为切实保护投资者利益，根据相关风控要求，我行将对代理个人 客户延期合约的交易保证金比例进行调整。"工商银行日前发布公告，自2026年2月27日收盘清算时起， 将代理个人客户Au（T+D）、mAu（T+D）、Au（T+N1）、Au（T+N2）、NYAuTN06（纽约金 TN06）、NYAuTN ...