本报讯 （记者熊悦）记者从交通银行获悉，2月9日，交通银行"文旅大戏"云南站正式发布。交通银行云南省分行和云南省 文旅厅联合举办"游云南 交好运"2026启动仪式暨"冬暖花开游云南"活动。活动聚焦深化银政企合作，旨在推出更多贴近群众、 赋能产业的金融产品，以高质量金融服务为云南文旅提供强力支撑。 活动现场，交通银行云南省分行还与中旅（云南）旅游发展有限公司、云南省旅游投资有限公司、云南若谷文旅开发有限 公司、云南潘祥记工贸有限公司4家文旅企业签署合作协议。 （编辑 郭之宸） 交通银行党委副书记、行长张宝江表示，金融促进文旅融合发展，是交通银行推动旅游强国建设、服务地方经济社会发展 和推进自身高质量发展的务实举措。立足"十五五"规划开局契机，交通银行将进一步深化与云南省政府的战略合作，以更精准 的信贷投放、更丰富的金融产品、更智慧的科技赋能，打造文旅与金融融合发展、互促共赢的典范。 ...

Core Viewpoint - The meeting aimed to enhance communication between banks and enterprises, address financing challenges, and support the high-quality development of the local real economy [1][3]. Group 1: Meeting Overview - The meeting was held on February 6, 2026, with over 30 participants, including leaders from the bank, industry representatives, and business staff [1]. - The bank's deputy director welcomed the attendees and highlighted the achievements of the past year in supporting local enterprises and promoting inclusive finance [3]. - The core purpose of the meeting was to deepen bank-enterprise cooperation and achieve mutual benefits, with a commitment to optimizing financial services and strengthening credit support for local enterprises [3]. Group 2: Financial Products Presentation - Bank staff presented specialized financial products tailored to address the financing pain points of local enterprises, detailing product limits, interest rates, approval processes, and convenient application channels [5]. - Case studies of typical enterprises served by the bank were shared to illustrate the advantages of the bank's credit products, including short approval times, high loan efficiency, and competitive financing costs [5]. Group 3: Enterprise Feedback and Collaboration - Representatives from companies like Yuexi Hemei and Luzhou Biological shared their long-term cooperation experiences with the bank, expressing gratitude for the precise financial support and efficient service [7]. - Attendees provided suggestions on product adaptability, service process optimization, and efficiency improvements, fostering a collaborative and constructive atmosphere [7]. Group 4: Strategic Partnerships - During the meeting, strategic cooperation agreements were signed with three key enterprises, with a total credit limit exceeding 30 million yuan, providing substantial financial support for production expansion and transformation [9]. - The meeting further bridged the gap between banks and enterprises, streamlined communication channels, and built a consensus for development, with plans to enhance service quality and meet enterprise financing needs [9].

来源：中国金融家杂志 新春畅想 哈尔滨银行股份有限公司 党委书记、行长 姚春和 新春启序，岁喜安康。值此辞旧迎新的美好时刻，谨向社会各界朋友、广大客户及合作伙伴致以诚挚的 新春祝福！ 过去一年，哈尔滨银行在以习近平同志为核心的党中央坚强领导下，紧扣金融三项任务，聚焦客户为 本、文化铸魂、治理求变，向远笃行、全面发力，有效推动改革化险和转型创新，实现规模、质量、结 构、效益协同并进。历经"振兴创业"三年系统重塑，经营基础更牢，转型动能更劲，服务实力更强，站 到向上攀登的新起点，迎来向新出发的"新哈行"。 策马踏春来，奋进正当时。"十五五"规划的宏伟蓝图已经展开，作为扎根本土、服务民生的金融主力 军，哈尔滨银行将从全新战略规划出发，以自身高质量发展提供高质量金融服务，进一步展现地方银行 的初心与担当。坚持党建引领，深入践行金融工作的政治性、人民性，始终把党的领导贯穿经营管理全 过程，坚定聚焦主责主业的战略定力，进一步提升贯彻新发展理念、服务构建新发展格局的能力水平， 确保始终与国家战略同频共振、与地方发展同向而行。坚守本源使命，锚定"十五五"时期经济社会发展 目标任务，在精准赋能实体经济中，持续做优金融"五篇大文 ...

Core Viewpoint - China Everbright Bank emphasizes its commitment to supporting technological innovation and expanding domestic demand as part of its financial strategy, aligning with national economic goals for the upcoming years [5][12][13]. Group 1: Support for Technological Innovation - The bank has established a specialized financial system for technological innovation, focusing on key areas such as domestic substitution, self-control, and supply chain enhancement, which has improved its credit structure while promoting new productive forces [5][12]. - It aims to increase financial support for strategic emerging industries and future industries, including integrated circuits, aerospace, and embodied intelligence, to provide high-level, comprehensive financial services to leading technology enterprises [13]. Group 2: Expansion of Domestic Demand - The bank has developed six distinctive services, including "Cloud Payment" and "Sunshine Wealth," to enhance consumer spending and support the construction of a modern industrial system, contributing to a strong market driven by domestic demand [5][12]. - It plans to align with national regional development strategies to bolster key industries in areas like the Guangdong-Hong Kong-Macao Greater Bay Area, Yangtze River Delta, and Beijing-Tianjin-Hebei, addressing financial needs related to industrial transfer and upgrading [13]. Group 3: Future Outlook - Looking ahead to 2026, the bank will continue to implement the "14th Five-Year Plan" and accelerate the transition from top-level design to coordinated implementation in building a financial powerhouse [6][13]. - The bank is committed to supporting the construction of a unified national market and enhancing consumer confidence through its specialized services, contributing to the successful completion of key economic tasks and the advancement of Chinese-style modernization [13].

在特朗普政府接管消费者金融保护局（CFPB）一年后，据消费者权益倡导者和民主党人估计，美国人 损失了超190亿美元的金融救济。 2月9日，参议员伊丽莎白·沃伦办公室发布了一份报告，指责CFPB通过放弃重要的消费者保护措施、拖 延调查并撤销诉讼，对消费者权益造成了严重损害。沃伦是参议院银行委员会的首席民主党人，也是该 机构在国会中最坚定的支持者之一。 但与此同时，政府和国会的共和党人认为，CFPB的规模过大，权力过度扩张，迫切需要进行缩编并加 以约束。 另一方面，CFPB解决消费者投诉的效率也出现了明显下滑。该机构运营着自己的消费者投诉数据库， 消费者可以在其中指控银行或金融服务公司存在不当行为，CFPB则充当消费者和金融公司之间的中 介，推动问题解决。根据拜登政府时期CFPB的数据，大约一半的消费者投诉能够得到有利于消费者的 解决。然而在特朗普政府时期，解决率已经降至不足5%。 独立三方机构政府问责局（GAO）也发布了一份报告，追踪特朗普政府对CFPB进行的重组与重构。根 据GAO的分析，CFPB在特朗普政府时期已取消数十起针对涉嫌违法者的执法行动，撤销了此前CFPB 管理层声称能有效保护消费者的监管措施。 ...

Group 1 - The gold market is experiencing increased activity as the Spring Festival approaches, with spot gold prices stabilizing around the $5000 mark, and related stocks in the A-share and Hong Kong markets rising [1] - On February 9, spot gold prices reached a daily high of $5047.257 per ounce, surpassing the critical $5000 level, leading to a rise in several precious metal stocks such as Laopu Gold and Yuguang Gold Lead [1] - Major banks are tightening their gold business operations by raising the entry thresholds and upgrading risk assessment levels, signaling a cautious investment approach [1] Group 2 - The consumer market is promoting gold products such as zodiac-themed gold ornaments and investment gold bars, with younger consumers showing interest in small-weight zodiac pendants and woven gold bead bracelets [2] - The "old for new" model is becoming a popular choice among consumers, and it is advised to distinguish between "per gram pricing" and "fixed price" gold jewelry, with a preference for transactions through physical stores or authorized online platforms to avoid scams [2]

来源：中国金融家杂志 新春畅想 值此新春佳节，祝愿伟大祖国繁荣昌盛、国泰民安！祝愿金融同仁和各界朋友新年快乐、事业腾骧！ 责任编辑：王馨茹 华夏银行党委书记、 董事长杨书剑 刚刚过去的2025年，是"十四五"规划圆满收官之年，也是华夏银行发展历程中革故鼎新、筑基谋远的关 键一程。华夏银行新一届党委班子以"走出舒适区，踏上新征程"的共识凝聚动力，以贯穿业务发展、风 险防控、经营管理的"十大行动"推动全行系统性重塑，廓开新局。这一年，我们以"讲政治"指引方向， 以"创价值"驱动发展，以"担责任"回馈社会，在服务国家战略、赋能实体经济、满足人民需求的实践 中，淬炼出逆境中愈发坚韧、变革中主动求新的发展底色，经营发展迈上新台阶。 2026年是"十五五"规划全新开局之年。习近平主席在新年贺词中指出，"锐始者必图其终，成功者先计 于始"，华夏银行将以此为鞭策，以崭新的风貌、昂扬的姿态，全面融入金融强国建设的时代洪流： 我们将矢志不渝，做服务大局的坚定践行者。坚持以习近平新时代中国特色社会主义思想为指导，全面 贯彻党的二十大和二十届历次全会精神，认真落实中央经济工作会议精神。将更多金融资源配置到科技 创新的前沿、绿色发展的 ...

Core Viewpoint - China Postal Savings Bank expresses gratitude to readers and stakeholders while highlighting its commitment to high-quality development and service to the economy as it enters the new year [2][5]. Group 1: Economic Context and Development Goals - The year 2025 marks the completion of the "14th Five-Year Plan," showcasing China's economic resilience and vitality, with a strong start towards the second centenary goal [2][5]. - The bank emphasizes its role in supporting national strategies, including expanding domestic demand and effective investment, contributing to a robust domestic circulation [2][5]. Group 2: Strategic Focus and Initiatives - The bank is committed to integrating the Party's leadership into all aspects of its development, aligning its strategies with the broader goals of national modernization and rejuvenation [2][5]. - It aims to deepen its focus on serving agriculture, rural areas, and small and medium-sized enterprises, while actively responding to diverse financial needs of the public [3][5]. Group 3: Future Outlook and Plans - The year 2026 will be significant as it marks the 105th anniversary of the Communist Party of China and the beginning of the "15th Five-Year Plan" [3][6]. - The bank plans to enhance its operational focus through six key upgrades, including specialization, lightness, comprehensiveness, ecological sustainability, precision, and digital intelligence [3][6]. - It aims to tackle six critical battles related to optimizing asset-liability structures, improving capital quality, enhancing income quality, controlling costs, boosting customer management, and strengthening risk control capabilities [3][6].

周二，该货币对在连续两个交易日上涨后回落，前一交易日印度卢比兑美元表现疲软。银行家表示，当前市场对冲活动及本地资金流动正常，近期汇率变化 是市场多重因素博弈的结果，非短期资金异动所致。 股权流入改善为印度卢比提供了支撑。周一，外国投资者净买入约2.5亿美元印度股票，使得当月外资净买入总额达约15亿美元。1月份外国投资者曾出现近 40亿美元资金外流，短短一个多月，外资流向从大幅外流转为稳步流入，这一初步转变缓解了卢比下行压力。 市场对美联储政策走向已有共识，普遍认为3月份将维持利率不变，首次降息大概率在6月份，9月份可能再次降息。这一预期与美国通胀预期缓解相关：1月 份美国中位未来通胀预期降至3.1%，为六个月最低，较12月份的3.4%明显回落。但食品价格预期仍维持在5.7%高位，三年期和五年期通胀预期稳定在3%， 通胀回落仍有不确定性。 美印近期达成的临时贸易框架，是限制印度卢比下行的关键。上周五，新德里与华盛顿公布这一框架，旨在降低双边关税、重塑能源合作、深化经济合作。 这是两国经长时间谈判取得突破后的成果，框架落地推动卢比创下三年多来最强劲周涨幅。 美联储官员近期表态凸显"数据依赖"的政策立场。旧金山联储 ...

Core Viewpoint - The successful launch of "Zhaoyin Jinkui" and "Puyin Shuzhi" satellites by China Merchants Bank and Pudong Development Bank marks a significant step in the integration of banking and commercial aerospace, highlighting the banks' strategic move to leverage satellite technology for enhancing digital financial infrastructure and supporting the commercial aerospace industry [2][10]. Group 1: Satellite Launch and Collaboration - The "Zhaoyin Jinkui" and "Puyin Shuzhi" satellites are part of the "Tianqi Constellation" low-orbit narrowband satellite IoT network, showcasing banks' involvement in satellite launches [2][3]. - This is not the first instance of banks collaborating with commercial satellite companies; previous launches include "Zhaoyin 1" and "Zhaoyin 2" by China Merchants Bank and "Ping An 1" and "Ping An 2" by Ping An Bank [3][4]. - Banks are adopting various paths to utilize satellite technology, including direct satellite launches and purchasing processed data from satellite companies for financial applications [3][4]. Group 2: Applications and Benefits of Satellite Technology - The integration of low-orbit satellites enhances banks' capabilities in financial asset management, risk control, and emergency communication, extending their digital infrastructure into space [3][6]. - Banks are increasingly moving from merely purchasing satellite data to actively participating in satellite launches, driven by the need for improved risk management and business continuity [6][7]. - The use of satellite technology allows banks to overcome geographical and environmental limitations, thus expanding their business reach, especially in remote areas [7][10]. Group 3: Cost and Market Dynamics - The cost of launching commercial satellites is expected to decrease due to technological advancements and economies of scale, making customized commercial applications more feasible [8][9]. - Current costs for launching a commercial satellite range from tens of millions to over a billion yuan, with significant potential for reduction as the industry matures [8][9]. - By 2030, the cost of satellite launches could drop to below 10,000 yuan per kilogram, further encouraging financial institutions to invest in satellite technology [9]. Group 4: Financial and Industrial Synergy - The collaboration between banks and satellite companies represents a deeper financial and industrial synergy, enabling banks to expand their service offerings and support the development of the commercial aerospace ecosystem [10][14]. - Banks are innovating financial products and services, such as satellite leasing and industry-specific funds, to meet the unique needs of the aerospace sector [14][15]. - The integration of satellite data into financial services is expected to enhance credit assessments and risk management, aligning financial services more closely with the real economy [10][15].