【导读】中国进出口银行新疆维吾尔自治区分行原党委委员、副行长李盛业被开除党籍和公职 经查，李盛业存在下列问题： 金融反腐最新通报来了！ ●丧失理想信念，背弃初心使命，对抗组织审查，与他人串供虚构钱款性质，在组织核查有关问题时提供虚假情况掩盖事实； 2月24日，中央纪委国家监委官网通报：中国进出口银行新疆维吾尔自治区分行原党委委员、副行长李盛业被开除党籍和公职。 据中央纪委国家监委驻中国进出口银行纪检监察组、福建省纪委监委消息：日前，经中央纪委国家监委批准，中央纪委国家监委驻中国进出口银行纪检监 察组、福建省福州市监委对中国进出口银行新疆维吾尔自治区分行原党委委员、副行长李盛业严重违纪违法问题进行了立案审查调查。 公开信息显示，李盛业在中国进出口银行工作多年。2024年4月，国家金融监督管理总局新疆监管局核准李盛业中国进出口银行新疆维吾尔自治区分行副 行长的任职资格。 2025年11月，中央纪委国家监委官网通报：中国进出口银行新疆维吾尔自治区分行党委委员、副行长李盛业涉嫌严重违纪违法，接受中央纪委国家监委驻 中国进出口银行纪检监察组纪律审查和福建省福州市监察委员会监察调查。 此前，中国进出口银行已有多名干部在2 ...

转自：新华财经 •Comerica Bank：美联储有可能在鲍威尔任期结束前一直维持利率不变 【机构分析】 •Comerica Bank首席经济学家比尔·亚当斯表示，美联储将在鲍威尔的任期于5月结束前保持短期利率不 变。美国经济增长面临的最大下行风险来自劳动力供应瓶颈，这可能会引发通货膨胀的反弹。 •英国投资者正等待英国央行货币政策委员会成员格林、泰勒、皮尔以及行长贝利今晚向议会财政委员 会发表证词。加拿大皇家银行资本市场策略师表示，市场将密切关注贝利的言论，以寻找英国央行降息 路径的线索，因为他是委员会中关键的摇摆票。 •市场调查显示，经济学家预测韩国央行将在2月26日会议上维持指标利率在2.50%不变，并预计2026年 全年将保持这一水平。政策制定者正面临韩元贬值压力与房地产市场持续过热的双重挑战。分析师指 出，韩国央行日益关注外汇与房地产风险，且经济复苏基础更为稳固，今年降息的可能性极低。若资产 价格持续走高并传导至房地产市场，央行或需考虑在2027年收紧政策以防范通胀风险。 •日本国债收益率周二跌至数周低点，跟随隔夜美国国债走势；在美国总统特朗普关税政策的不确定性 下，投资者买入避险债券。三井住友信托 ...

Group 1 - The A-share market experienced a positive start to the Year of the Horse, with the Shanghai Composite Index rising by 0.87% and the Shenzhen Component Index increasing by 1.36% on February 24 [2] - The Hang Seng Index fell by 1.82%, and the Hang Seng Tech Index decreased by 2.13% on the same day [2] - As of February 24, there were 8 A+H listed companies experiencing an AH price inversion, where H-share prices exceeded A-share prices, representing approximately 4.6% of the total 174 A+H listed companies [3] Group 2 - The companies with AH price inversion include leading firms across various sectors such as new energy, banking, innovative pharmaceuticals, semiconductors, home appliances, mining, and machinery [4] - The phenomenon of AH price inversion is relatively rare, with no companies experiencing it a year ago on February 24, 2025 [2][4] - The average AH premium rate is typically around 125%, considering the 20% dividend tax on H-shares and the tax exemption for A-shares held for over a year [5] Group 3 - On February 24, the trading volume of A-shares for China Merchants Bank was 75.47 million shares, which is 7.7 times that of its H-shares at 9.8 million shares [5] - The market capitalization of China Merchants Bank is approximately 1.005 trillion yuan, with an AH premium rate of 0.89, indicating an 11% discount of A-shares relative to H-shares [5] - CATL, another leading company, saw its A-shares decline by 0.93% while H-shares fell by 3.13%, with A-share trading volume being 12.5 times that of H-shares [6] Group 4 - The AH premium index closed at 116.99 on February 24, indicating that A-shares are trading at a premium to H-shares, and this index has been on a downward trend since April 9, 2025 [11] - The index has dropped from a high of 144.85 to a low of 113.56, marking an eight-year low [11] - Analysts suggest that the recent trend of foreign capital favoring Hong Kong stocks may be influenced by the appreciation of the yuan, which could lead to a convergence of AH premiums [13] Group 5 - Morgan Stanley highlighted investment opportunities in sectors such as technology and cyclical recovery, particularly in leading companies within these fields [13] - Tianfeng Securities expressed a cautiously optimistic outlook for the Hong Kong market, suggesting a focus on value-oriented investments while maintaining growth as a secondary consideration [13]

《金融时报》记者采访时发现，春节前后，多家银行密集推出了儿童专属金融产品与服务，以利率上浮、特色权益、亲子共管等方式，竞相争抢"小客 户"，深度挖掘儿童金融这片"新蓝海"。 例如，在招商银行（600036）"金小葵管家服务"中，该行一年期存款年化利率为1.3%，两年期存款利率为1.4%，均高于该行普通定期存款利率；华夏银 行"阳光成长计划"为未成年群体提供存款专属服务，旗下的"月成长龙安3年"年利率达1.75%，起存金额仅50元，兼顾灵活性与收益性。 城商行的表现也颇为亮眼，北京银行针对孩子压岁钱推出了特色存款"小京压岁宝"，其中，2年期、3年期存款利率分别为1.60%、1.75%，较该行普通定 期存款利率均有不同程度上浮。 "让孩子的压岁钱成为成长路上的第一笔财富，见证宝贝的每一步成长！"2月6日，北京农商银行也推出了"阳光宝贝卡专属储蓄产品"，1年期、2年期、3 年期定期存款起存金额均为1000元，年利率分别为1.5%、1.6%、1.75%，而同期限定期存款挂牌利率分别为1.15%、1.2%、1.3%，利率优势显著。 如东农商银行还面向18周岁以下青少年推出了压岁钱定制存单，将1万元起存的一年期存款利率设 ...

每日晨报│2026 年 2 月 10 日 -主要市场指数表现 | | 收市价 | 上个交易日升 | YTD 升跌 | | --- | --- | --- | --- | | 恒生指数 | 27,027 | +1.76% | +5.45% | | 恒生科技指数 | 5,417 | +1.34% | -1.78% | | 国企指数 | 9,168 | +1.52% | +2.86% | | 沪深 300 | 4,719 | +1.63% | +1.92% | | 上证综合指数 | 4,123 | +1.41% | +3.89% | | 深证成份指数 | 14,208 | +2.17% | +5.05% | | 中小板指 | 8,594 | +1.74% | +4.01% | | 道琼斯指数 | 50,135 | +0.04% | +4.31% | | 标普 500 指数 | 6,964 | +0.47% | +1.74% | | 纳斯达克指数 | 23,238 | +0.90% | -0.01% | | 伦敦富时指数 | 10,386 | +0.16% | +4.58% | | CAC40 指数 | 8,323 ...

2月24日，2026年广东省高质量发展大会召开。在"科技与金融创新赋能产业融合"分会场上，国家开发 银行广东省分行副行长蔡丹华在接受采访时表示，国家开发银行将着力擦亮"制造业业务"这张新名片， 深化与地方政府和龙头企业的战略合作，力争在广东制造业领域的贷款投放实现两位数增长。 用"三链"服务大湾区国际科技创新中心建设 2025年12月，中央经济工作会议提出建设三大国际科技创新中心。蔡丹华表示，国家开发银行将从创新 链、产业链、资金链3个方面服务好粤港澳大湾区国际科技创新中心建设。 一是在创新链方面，发挥基础设施银行职能定位优势，助力广东超前布局重大科技基础设施；二是在产 业链方面，立足于广东省全产业链优势及制造业当家的要求，支持省级中试平台建设，加快把科技成果 转化为现实生产力，优化提升石化、电子等传统产业转型升级，培育壮大新能源汽车、集成电路、低空 经济等新兴产业和未来产业；三是在资金链方面，以新型政策性金融工具、研发贷款、项目贷款等全生 命周期产品谱系，提升金融服务供给能力，继续助力广东省科技创新与制造业深度融合、互促双强。 重点支持"广东强芯"工程、"智改数转"等 今年全省高质量发展大会主题是"制造业与 ...

Core Viewpoint - The establishment of Gansu Rural Commercial Bank marks a significant step in the reform of the rural credit cooperative system in Gansu Province, transitioning into a new phase of implementation and acceleration [1] Group 1: Reform Strategy - The reform blueprint for Gansu's rural credit system has evolved, shifting from the initial goal of forming a Gansu Rural Commercial Union Bank to focusing on risk resolution and foundational strengthening [2] - By 2025, the reform focus will be on addressing historical issues of small financial institutions and improving the collection and disposal of non-performing assets [2] - The transition from a union model to a unified legal entity model is aimed at consolidating financial resources and enhancing overall capital strength and risk resistance [3] Group 2: Institutional Structure and Challenges - The Gansu rural financial system comprises 37 rural commercial banks, 5 rural cooperative banks, and 41 county-level associations, with over 21,000 employees and nearly 1,904 business outlets [3] - The integration of 83 legal entities into a single legal entity will help address historical non-performing assets and unify risk control standards, creating a safer financial environment [5] - Challenges include the complexity of integrating assets, liabilities, and operations of the 83 entities, as well as the ongoing task of resolving historical non-performing assets [6] Group 3: Financial Services Enhancement - The establishment of a provincial-level rural commercial bank is expected to enhance financial support for rural revitalization and the real economy, particularly in agriculture and small enterprises [6] - A unified digital platform will streamline service processes and reduce financing costs, ensuring that financial resources effectively reach grassroots farmers and small market entities [6] - The reform must maintain a focus on serving rural areas and small enterprises to avoid potential neglect of these sectors in favor of larger scale operations [6] Group 4: National Context - Gansu's reform is part of a broader trend in the national rural credit system, with 13 provinces having completed similar reforms, reflecting diverse approaches to risk management and resource efficiency [7] - The shift from a union bank model to a unified legal entity model in Gansu mirrors changes in other provinces, indicating that there is no one-size-fits-all solution in rural financial reform [7]

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have assessed the systemically important banks for 2025, identifying 21 banks, with notable changes in the rankings and classifications of certain banks [1][2]. Group 1: Systemically Important Banks - A total of 21 domestic systemically important banks have been recognized, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1]. - The latest list shows that Zhejiang Commercial Bank has been newly included, while Industrial Bank has been reclassified from the third group to the second group [1][2]. - The banks are categorized into five groups based on their systemic importance scores, with the first group containing 11 banks, the second group 4 banks, the third group 2 banks, the fourth group 4 banks, and no banks in the fifth group [1]. Group 2: Zhejiang Commercial Bank - As of September 2025, Zhejiang Commercial Bank has an asset scale of approximately 3.4 trillion yuan, with capital adequacy ratios of 12.15%, 9.61%, and 8.40% for total capital, tier 1 capital, and core tier 1 capital respectively, all maintaining reasonable levels [2]. - The bank reported an operating income of approximately 48.9 billion yuan and a net profit attributable to shareholders of approximately 11.7 billion yuan for the first three quarters of the previous year [2]. - In the 2025 Global Bank 1000 ranking published by The Banker magazine, Zhejiang Commercial Bank ranked 82nd by tier 1 capital and 75th by total assets, both improving by 2 positions from the previous year [2]. Group 3: Regulatory Framework - Systemically important banks are defined as large, complex institutions with significant interconnections to other financial entities, necessitating stricter regulatory measures to ensure financial stability [2]. - The regulatory framework established in October 2021 mandates additional capital requirements for these banks, ranging from 0.25% to 1.5% based on their group classification [2]. - The authorities plan to enhance macro-prudential management and micro-prudential supervision to ensure the safe and sound operation of systemically important banks, thereby supporting high-quality development of the real economy [3].

Core Viewpoint - The A-share market experienced a positive start to the year, but bank stocks continued to be underperformers, reflecting ongoing concerns about credit quality and lending dynamics in the context of stable LPR rates and lower-than-expected credit growth [2][3][4]. Market Performance - On the first trading day of the year, the Shanghai Composite Index rose by 0.87% to 4117.41 points, while the Shenzhen Component increased by 1.36% and the ChiNext Index by 0.99% [3]. - The banking sector saw a decline of 0.24%, with more stocks falling than rising, indicating a divergence in performance compared to other sectors [3]. - The China Securities Banking Index has retreated nearly 16% from its peak in July 2022, contrasting with an 18% rise in the broader market during the same period [3]. Credit and Lending Dynamics - The latest financial data revealed that new RMB loans in January amounted to 4.71 trillion yuan, lower than the 5.13 trillion yuan recorded in January 2022, indicating a year-on-year decrease in credit growth [3][4]. - The social financing scale increased by 7.22 trillion yuan in January, with a notable decline in loans to the real economy, which increased by 4.9 trillion yuan, down by 317.8 billion yuan year-on-year [3][4]. Institutional Research Focus - Institutional interest in bank research has decreased compared to previous years, with 16 banks undergoing 63 institutional surveys in 2023, involving 467 institutions, compared to 20 banks and 92 surveys in the same period last year [6]. - Key areas of focus during these surveys included credit quality, liability management under margin pressure, capital replenishment plans, and asset quality outlook [6][7]. Future Outlook and Strategies - Analysts predict that the trend of prioritizing credit quality over quantity will become more pronounced in 2023, with significant attention on post-Spring Festival operational rhythms and consumer spending [4][5]. - Banks are expected to enhance their non-interest income sources, with strategies including the promotion of wealth management products and diversified capital replenishment channels to address ongoing profitability pressures [8][9].

2 月 24 日，"新春第一会"——2026年广东省高质量发展大会在广州如期召开。本届大会锚定"制造业与 服务业协同发展"主题，汇聚各方力量共谋高质量发展，中国平安总经理兼联席首席执行官谢永林受邀 出席。 金融服务广东新兴制造、护航人工智能等新质生产力也有一些探索。据了解，以低空经济领域为例，平 安产险作为粤港澳大湾区低空经济产业联盟成员，推出低空经济保障，2025年承保工业无人机超3万 台，提供超130亿元的风险保障，独家保障的农业无人机制造业头部企业极飞，降低无人机用户使用成 本。放眼目前炙手可热的具身智能机器人领域，推出行业首个具身智能综合金融解决方案。 记者注意到，今天下午，在广东省高质量发展大会的"科技与金融创新赋能产业融合"分论坛上，平安集 团也公布了一批"成绩单"。平安产险党委副书记石合群在论坛上表示，针对新能源、新材料、航空航天 等战略性新兴产业投入大、周期长、风险高的特点，该机构贯彻落实省委"1310"具体部署，服务广东省 现代化产业体系建设。截至2025年，累计服务省内科技企业超1.5万家，提供风险保障超过1.96万亿元， 支付赔款超6.1亿元。同时，首创人工智能责任保险、打造具身智能"融 ...