Group 1 - The banking sector experienced a decline of 0.37% on January 15, with Everbright Bank leading the drop [1] - The Shanghai Composite Index closed at 4112.6, down 0.33%, while the Shenzhen Component Index rose by 0.41% to 14306.73 [1] - The trading volume and turnover for various banks showed mixed results, with CITIC Bank closing at 7.63, up 0.39%, and Everbright Bank at 3.38, down 1.46% [1] Group 2 - The net outflow of main funds from the banking sector was 38.51 million yuan, while retail investors saw a net inflow of 42.9 million yuan [1] - The detailed fund flow data indicated that Industrial Bank had a net inflow of 13.72 million yuan from main funds, while CITIC Bank had a net outflow of 12.12 million yuan [2] - Retail investors showed varying trends, with CITIC Bank experiencing a net outflow of 7.91 million yuan, while Industrial Bank had a net inflow of 23.6 million yuan [2]

每经AI快讯，1月15日，国瓷材料（300285）(300285.SZ)公告称，公司近日取得中国民生银行股份有限 公司东营分行出具的《贷款承诺函》，同意为公司提供本次回购公司股份专项贷款融资支持，贷款额度 不超过人民币18,000万元，贷款期限为36个月，担保方式为信用。该事项不构成关联交易，亦不构成重 大资产重组，不会对公司的经营业绩产生重大影响。 ...

渣打集团(02888)发布公告，于2026年1月14日，该公司斥资996.13万英镑回购54.13万股股份。 ...

按美元计值，2025年12月，银行代客涉外收入8244亿美元，对外付款7109亿美元。2025年1-12月，银行 代客累计涉外收入79725亿美元，累计对外付款76704亿美元。 2025年12月，银行代客涉外收入58197亿元人民币，对外付款50186亿元人民币。2025年1-12月，银行代 客累计涉外收入569405亿元人民币，累计对外付款547906亿元人民币。 本文编选自"国家外汇管理局"官网，智通财经编辑：刘家殷。 智通财经APP获悉，国家外汇管理局统计数据显示，2025年12月，银行结汇22446亿元人民币，售汇 15382亿元人民币。2025年1-12月，银行累计结汇185227亿元人民币，累计售汇171314亿元人民币。按 美元计值，2025年12月，银行结汇3180亿美元，售汇2179亿美元。2025年1-12月，银行累计结汇25949 亿美元，累计售汇23983亿美元。 ...

格隆汇1月15日丨宋都服务(09608.HK)发布公告，为充分利用集团的闲置资金以获取更佳回报，于2026 年1月15日，公司附属公司杭州启寓及浙江和辰与中国民生银行订立结构性存款产品协议，据此，杭州 启寓同意利用集团内部资金向中国民生银行认购人民币990万元的结构性存款产品，浙江和辰同意利用 集团内部资金向中国民生银行认购人民币1600万元的结构性存款产品。 ...

摩通认为，中信银行2025年全年净利润同比增长3%，符合摩通预期，但较市场预高出2%。第四季计， 净利润增长3%，但营业利润表现超出预期，同比增长9%，分别较该行和市场预期的第四季估计高出5% 和2%，带来惊喜。 智通财经APP获悉，摩根大通发布研报称，预计中信银行(00998)2026年营收增速将转正，全年利润增长 保持稳定，重申对其H股"增持"评级。目前中信银行H股交易于预测2026年于0.45倍市账率，对应9.1% 的ROE以及5.9%的股息率，估值仍处于相对吸引水平。目标价8.85港元。 ...

宋都服务(09608)发布公告，为充分利用本集团的闲置资金以获取更佳回报，于2026年1月15日，本公司 附属公司杭州启寓及浙江和辰与中国民生银行订立结构性存款产品协议，杭州启寓同意利用本集团内部 资金向中国民生银行认购人民币990万元的结构性存款产品，浙江和辰同意利用本集团内部资金向中国 民生银行认购人民币1600万元的结构性存款产品。 ...

Domestic Market Overview - The market experienced a mixed performance on January 14, with the Shanghai Composite Index closing at 4126.09 points, down 0.31%, while the Shenzhen Component Index rose 0.56% to 14248.6 points. The STAR 50 Index increased by 2.13%, and the ChiNext Index rose by 0.82%. The total trading volume of the A-share market reached 39,869 billion yuan, continuing to rise from the previous day [1][4][9] - Among the 30 sectors tracked by CITIC, 16 sectors saw gains, with comprehensive finance, computer, and media sectors leading the increases. In contrast, the banking, non-bank financial, and real estate sectors experienced significant declines [1][4][9] Overseas Market Overview - On January 14, all three major U.S. stock indices closed lower, with the Dow Jones down 0.09%, the S&P 500 down 0.53%, and the Nasdaq down 1%. Notably, Amazon and Microsoft both fell over 2%, leading the decline in the Dow [2][4] Key News - The Ministry of Finance, the State Taxation Administration, and the Ministry of Housing and Urban-Rural Development announced the extension of the personal income tax refund policy for residents changing homes until the end of 2027. This policy allows taxpayers who sell their homes and purchase new ones within one year to receive a tax refund on the income tax paid on the sale [3][11] - The Shanghai and Shenzhen Stock Exchanges have raised the financing margin ratio from 80% to 100% for new financing contracts, aimed at stabilizing the market and protecting investors' rights [10][12] - In December, China's exports (in RMB) increased by 5.2% year-on-year, while imports rose by 4.4%. The trade surplus was 808.77 billion yuan [13] - In 2025, China's automobile production and sales both exceeded 34 million units, setting a new historical high and maintaining its position as the world's largest automobile market for 17 consecutive years [14]

Core Insights - Visa has become the first international card organization to support Apple Pay for Chinese cardholders, allowing them to link their Visa cards to Apple Pay [1][3]. Group 1: Visa Card Support - The card linking feature covers both Visa single and dual-branded cards, with initial support from eight banks including Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [3]. - Users can add their Visa cards to Apple Wallet through the latest bank apps or directly via the Wallet app on their iPhone, Apple Watch, or iPad [3]. Group 2: Future Expansion - More banks, including Shanghai Pudong Development Bank, China Construction Bank, China Minsheng Bank, and China Everbright Bank, are expected to issue Visa credit cards that will support this feature in the coming months [5]. - Mastercard is also preparing to launch similar support for some issuing institutions in the near future [5]. Group 3: User Experience and Security - The integration allows Chinese users to use their local Visa credit and debit cards for contactless payments both domestically and internationally, addressing previous limitations of Apple Pay in China [7]. - Visa's tokenization technology ensures that actual card numbers are not stored on devices or Apple servers, enhancing payment security [7][8]. - In case of device loss, Visa can immediately disable the digital account number stored on the device, ensuring user protection [8].

二是促进增强居民消费能力，支持真实消费融资需求。继续实施好创业担保贷款政策，支持重点群体的 就业创业和符合条件的小微企业吸纳就业。支持中国资本市场健康稳定发展，增加居民的投资渠道。规 范发展消费金融，满足居民多样化、个性化的消费需求。加强金融、财政政策协同，配合落实好消费领 域贷款贴息等政策，降低消费领域的融资成本。 三是优化消费金融基础服务。持续完善多元化的支付服务体系，结合重点消费场景提升支付体验，实施 好一次性信用修复政策，改善消费金融环境。 银行频道更多独家策划、专家专栏，免费查阅>> 责任编辑：钟离 1月15日，中国人民银行货币政策司司长谢光启在国新办新闻发布会上表示，近年来，人民银行围绕支 持增强消费能力、提升金融供给、释放消费潜力等方面系统施策，满足消费领域多样化的融资需求。包 括设立了5000亿元的服务消费与养老再贷款，引导金融机构创新消费金融产品，持续推进支付服务便利 化等。从服务消费与养老再贷款情况来看，截至2025年末，金融机构已经向人民银行报送了两批申请， 人民银行发放了再贷款1184亿元。从银行贷款的情况来看，截至2025年11月末，不含个人住房贷款的消 费贷款余额已经达到了21.2 ...