记者了解到，LPR上一次变化是在2025年5月，1年期和5年期以上LPR均下调10个基点。王青对此认 为，受出口持续偏强、以高技术制造业为代表的新质生产力领域较快发展等推动，2025年宏观经济顶住 外部经贸波动压力及国内房地产市场调整等影响，顺利完成全年经济增长目标。2026年1月，央行根据 经济金融形势需要，先行推出一揽子结构性货币政策，强化对科技创新、小微企业等国民经济重点领域 和薄弱环节的支持力度。这也意味着短期内货币政策处于观察期，政策利率和LPR报价保持稳定。 另外，此前发布的《2025年第四季度中国货币政策执行报告》提到，继续实施好适度宽松的货币政策。 把促进经济稳定增长、物价合理回升作为货币政策的重要考量，根据国内外经济金融形势和金融市场运 行情况，把握好政策实施的力度、节奏和时机。灵活高效运用降准降息等多种政策工具，保持流动性充 裕和社会融资条件相对宽松，引导金融总量合理增长、信贷均衡投放，使社会融资规模、货币供应量增 长同经济增长、价格总水平预期目标相匹配。 人民网北京2月24日电 (记者黄盛)中国人民银行(以下简称"央行")授权全国银行间同业拆借中心公布， 2026年2月24日，贷款市场报 ...

Core Viewpoint - The ecological environment department has announced the first batch of beautiful rural pilot areas, with Liyang City in Changzhou, Jiangsu Province, being the only county in the province to receive this honor, highlighting its achievements in urban-rural integration and green development [1] Group 1: Ecological Protection and Financial Support - Liyang serves as an important ecological barrier for Taihu Lake, focusing on water environment governance and improving living conditions through over 100 projects during the 14th Five-Year Plan period [2] - Agricultural Bank of China (ABC) Liyang Branch has invested over 600 million yuan in ecological protection projects, including wetland restoration and water quality improvement, reinforcing Liyang's status as a national-level wetland park [2] - The bank has approved loans exceeding 2.2 billion yuan for rural environment governance projects, enhancing the livability of over 110 administrative villages [2] Group 2: Development of the Homestay Economy - The "Liyang No. 1 Road," spanning 365 kilometers, connects 220 rural tourism spots and has become a key driver for the local homestay industry, with over 380 establishments along the route [4] - ABC Liyang Branch has provided over 130 million yuan in loans to 117 homestay operators, facilitating local employment and entrepreneurship [4] - The bank supports the development of high-quality homestay brands and has provided 10 million yuan in financial support for ecological agriculture initiatives [4][5] Group 3: Empowering Specialty Agriculture - ABC Liyang Branch focuses on specialty agricultural products like "Tianmu Lake White Tea," offering comprehensive financial services to enhance the agricultural value chain [6] - The bank has supported nearly 60 tea growers with over 30 million yuan in loans, enabling farmers to share in the industry's benefits [7] - The bank is also investing in the emerging "freshwater lobster" farming sector, providing 800,000 yuan in loans to individual farmers and 180 million yuan for a modern agricultural park project [7]

近年来，农行辽宁省分行立足粮食主产区定位，将保障粮食安全视为头等大事，积极融入辽宁粮食产能 提升行动，打造特色服务网点，创新推广"粮农e贷""粮贸e贷"等系列产品，精准服务种植、收储到加 工、流通的全产业链。2025年，该行累计向粮食重点领域投放贷款101亿元，同比多投37亿元，有力支 持了辽粮集团、沈粮集团、"十月稻田"等一大批产业链主体稳健经营。 近年来，农行辽宁省分行积极融入农业强省与"海上辽宁"建设蓝图，持续引导金融活水深度灌溉辽沈大 地，确保金融资源优先保障县乡领域。2025年，该行投放县域贷款1800亿元、涉农贷款582亿元，分别 同比多投220亿元、135亿元。 为保障春节期间鸡蛋供应，建行河北武安支行工作人员走访佳美农业开放有限公司，了解生产情况和融 资需求。图为该公司鸡蛋分拣车间。 破解收储企业"燃眉之急" 冬日的辽宁虽寒气袭人，粮食收储却如火如荼。根据省气候中心预测，今年1月全省平均气温较常年同 期偏低0.5~1℃，降水量偏多一至二成。面对收购时间窗口更紧、资金压力更大的挑战，许多轻资产的 收储企业常因缺乏传统抵押物而犯难。 朝阳县二十家子镇的远丰贸易有限公司正面临这样的困境。该公司负责人 ...

场景金融为消费者提供更优选择 春节前后城镇居民消费旺盛，山东省农信联社引导全省农商银行借力政府促消费活动，创设多元化消费 场景，积极开展异业联盟合作，与商场、超市、电商平台等线下线上商户联合搭建消费贷款分期、用信 有礼等金融消费场景，提高客户黏性。 沂水农商银行推出"异业联盟生活圈平台"，构建起"金融+生活"一站式服务生态，以非金融服务撬动金 融业务发展。自2025年5月上线以来，平台已形成涵盖食品生鲜、日用百货、生活服务、文体娱乐等十 六类101家商户、100余款商品的丰富供给体系，全方位满足不同客户的消费需求。青州农商银行积极搭 建"金融+场景"服务生态，通过深度参与同城联盟等本地商业平台，将支付结算、信贷支持、会员权益 等金融服务无缝嵌入消费链条，提供线上消费贷款8500户、7.22亿元。临邑农商银行聚焦消费"供给 端"融资需求，联合消费优质商户开展"异业联盟"活动，着力宣传推广"码上贷"等快贷产品，并为"需求 端"群体全程提供贷款咨询服务和金融支撑。截至目前，该行支持消费领域贷款7515户、19.9亿元。 精准支持让商户备足好货 春节前后本该是商户摩拳擦掌备货的好时候，可聊城冠县柳林镇的超市负责人王灿 ...

近日，一位来自刚果，就读于济南大学的留学生来到农行济南市中支行营业室，希望开立银行卡用于接 收学校发放的奖学金。营业室员工对此高度重视，立即启动涉外金融服务流程，以专业、高效、热情的 服务，为这位远道而来的学子提供了有力的金融支持。 在营业室员工的共同努力下，银行卡开立业务迅速顺利完成。手持崭新的银行卡，留学生脸上露出了安 心与喜悦的笑容。他诚挚地用不太熟练的中文向工作人员道谢，表示这笔奖学金对他顺利完成学业至关 重要，农行高效周到的服务为他解决了后顾之忧，让他的留学之路更加顺畅。 此次服务不仅是一次标准的业务操作，更是农行践行服务承诺、积极支持教育事业的生动体现。农行济 南市中支行营业室始终以开放包容的态度和专业暖心的服务，迎接来自世界各地的客户，用实际行动诠 释"金融为民"的服务理念，为营造良好的国际化营商环境贡献农行力量。 客服经理根据农行针对外籍人士的快捷开卡服务规范，熟练地审核客户所持的外国护照等证件，快速完 成身份信息录入与系统建档，整个流程严谨而顺畅。同时，大堂经理主动提供全程引导服务，耐心协助 客户填写申请单据，细致讲解相关条款，并帮助其完成信息核对与签字确认等环节。两位员工默契协 作，有效克 ...

Report Summary 1. Report's Industry Investment Rating No relevant information provided. 2. Core Viewpoints - Global financial markets are affected by multiple factors including geopolitical tensions, tariff policies, and corporate earnings, leading to significant fluctuations in various asset classes. For example, the US stock market declined due to Trump's tariff plan and EU's suspension of the trade - agreement approval, while the precious metals market rose due to increased risk - aversion [5][6]. - The energy market is influenced by the Iran - US nuclear negotiation, with expectations of increased Iranian oil supply putting downward pressure on oil prices [7]. 3. Summary by Directory Overnight Night - Market Trends - **Stock Markets**: US major indices (Dow, S&P 500, Nasdaq) fell, with IBM and American Express leading the decline. European indices (DAX, CAC40, FTSE 100) also closed lower. The reasons include Trump's tariff plan and EU's suspension of trade - agreement approval [5]. - **Precious Metals**: COMEX gold and silver futures rose due to increased risk - aversion from geopolitical tensions, tariff policy changes, and other factors [6]. - **Energy**: US crude oil and Brent oil futures fell as the Iran - US nuclear negotiation showed signs of progress, increasing the expectation of more Iranian oil supply [7]. - **Base Metals**: Most London base metals declined, except for LME tin which rose [7]. Important News Macro News - Shanghai Export Container Settlement Freight Index for European routes dropped 2.1%. The US will stop collecting certain illegal tariffs. There is still a risk of US military strikes against Iran. India postponed a trade delegation plan. China is assessing the impact of US tariff rulings and urges the US to cancel unilateral tariffs. The EU suspended the approval of a trade agreement with the US. The Trump administration is considering new "national security tariffs" [9][11]. Energy Futures - Saudi Aramco sold condensate oil. Methanol supply in Southeast Asia is restricted due to planned maintenance. Goldman Sachs and Morgan Stanley have different forecasts for oil prices, with Goldman Sachs raising price forecasts for Q4 2026 and 2027, and Morgan Stanley expecting a short - term increase followed by a decline [14][16][18]. Metal Futures - The US energy storage market is expected to grow 21%. Lebanon may sell part of its gold reserves. UBS is positive on gold, with a target price of $6200/ounce [20][21]. Black - Series Futures - China's iron ore arrivals decreased, but global iron ore shipments increased. Vietnam plans to build a large - scale steel plant. The blast furnace capacity utilization rate of Chinese pig - iron enterprises decreased, and inventory increased [23][25]. Agricultural Products Futures - Malaysian palm oil production and exports decreased in February. Argentina's soybean moisture conditions improved, and the production forecast remains unchanged [27][28]. Financial Markets Financial - 143 companies have submitted IPO applications in the Hong Kong stock market in 2026. Deloitte predicts a better performance in the Hong Kong IPO market this year [30]. Industry - Payment transactions on Chinese New Year's Eve increased. The real - estate market may show more stabilization signals. China's AI governance system is maturing [31]. Overseas - The US may adjust tariff application methods and continue steel - aluminum tariffs. The Fed has about 75 basis - points to reach the neutral rate. India plans to invest $200 billion in AI. The Australian central bank may tighten policy. UK unemployment reached a new high [32][34][35]. International Stock Markets - US and European stock markets rose, while the Japanese market fell. High - end companies made significant stock - position adjustments. The UK may adjust accounting rules to attract Chinese companies. Australia simplifies corporate governance rules. Some companies announced major transactions or reported good earnings [36][38][41]. Commodities - Precious metals, oil, and most base metals futures fell due to factors such as progress in the Iran - US nuclear negotiation and reduced risk - aversion [43]. Bonds - US Treasury yields had mixed changes. Japanese bonds rose, and the 2029 fiscal - year bond issuance may increase [45]. Foreign Exchange - The US dollar index rose slightly, and most non - US currencies fell [46]. Upcoming Economic Data and Events - **Economic Data**: Include Japan's trade balance, UK's inflation and housing - price index, US's new - home construction, and other data [48]. - **Events**: New Zealand's central - bank rate decision, European Central Bank officials' speeches, and the Fed's release of meeting minutes [50]. - **Market Closures**: Chinese, South Korean, and Vietnamese stock markets are closed due to the Spring Festival [52].

责任编辑：于健 SF069 当被问及金融业的激烈竞争时，摩根大通首席执行官杰米·戴蒙表示，他开始看到与2008年金融危机之 前的年月有相似之处，当时一股放贷热潮最终以灾难性的结果告终。 "不幸的是，我们在2005年、2006年和2007年都看到了几乎一样的情况——水涨船高，人人都赚得盆满 钵满，"戴蒙周一告诉投资者。他表示，虽然摩根大通不愿为了提高净利息收入而从事风险更高的放 贷，"但我看到有些人做了些傻事。他们只是为了创造净利息收入而做一些蠢事。" 曾带领这家美国最大银行度过2008年金融危机并收购两家主要竞争对手的戴蒙表示，他预计信贷周期最 终会再次恶化，尽管他不确定具体时间。这位首席执行官几个月来一直在警告信贷品质可能恶化。去 年，汽车贷款机构Tricolor Holdings和汽车零件供应商First Brands Group相继倒下时，他曾经表示，当你 看到一只蟑螂时，意味着很可能还有更多。 最近几周，不同行业都面临着AI带来的"骇人交易"，投资者们都在权衡这项新技术可能会如何颠覆市 场。 戴蒙表示，信贷周期总会有一些意想不到的情况发生。他补充说，这种意外情况往往在于是哪个行业。 这一次可能会因为A ...

2月24日金融一线消息，据安徽纪检监察网，安徽含山农村商业银行股份有限公司党委书记、董事长黄 晓武涉嫌严重违纪违法，目前正接受安徽省纪委监委驻省农信社纪检监察组纪律审查；经安徽省监委指 定管辖，接受铜陵市铜官区监察委员会监察调查。 责任编辑：秦艺 2月24日金融一线消息，据安徽纪检监察网，安徽含山农村商业银行股份有限公司党委书记、董事长黄 晓武涉嫌严重违纪违法，目前正接受安徽省纪委监委驻省农信社纪检监察组纪律审查；经安徽省监委指 定管辖，接受铜陵市铜官区监察委员会监察调查。 责任编辑：秦艺 ...

早盘速递 2026/2/24 热点资讯 1.美国最高法院裁定特朗普政府依据《国际紧急经济权力法》实施的大规模关税违法。随后特朗普签署行政命令，自2月24日 起对进口商品征收10%从价关税，为期150天，后又将税率提升至15%。 预期2027年铜市将转为温和过剩，因铜废料供应增加、且2025年多个发生重大供应中断的矿场恢复供应。 2.我国今年继续推进大规模设备更新，多个领域的设备更新项目加快落地。线下消费商业设施的设备更新，在今年被首度纳入 设备更新政策当中。目前，2026年新一轮设备更新已陆续启动，涉及工业、电子信息、节能降碳环保等约20个领域。 3.摩根大通预计，2026年铜市将出现13万吨供应缺口，第二季度铜价将达13500美元/吨，第三季度为13000美元/吨。摩根大通 4.美国总统特朗普表示，所有关于可能对伊朗开战的报道都是错误的，而且是蓄意为之。自己是做决定的人，更愿意达成协议 而不是打仗，但如果不能达成协议，对伊朗及伊朗人民来说，那将是极其糟糕的一天。此前有消息称，特朗普已告诉其顾问， 他倾向于在未来数日对伊朗进行初步打击，然后在未来数月发动一场更大规模的军事打击，迫使伊朗屈服并按美方要求达成协 ...

股份方面，该行最看好港交所，因其更具杠杆效应，目前估值低于长期平均水平，评级上调至"买入"， 目标价由373.94港元上调至502港元。该行亦预期香港银行股今年将录得正回报，但或因资本回报水平 较低而跑输国际同业，予中银香港及东亚银行"持有"评级，较偏好前者，基于其基本面较具韧性及较高 的回报水平，目标价由31港元上调至48港元。 杰富瑞发表研报指，对今年香港金融股前景看法正面，因新股市场活跃、结构性跨境资金流动，以及住 宅物业市场初步复苏。该行预期未来美联储的政策可能令HIBOR正常化，料今年上半年一个月HIBOR 将维持于2.5%水平。信贷成本方面，该行看法则较为保守，偏好资产负债表较稳健及风险取态较审慎 的银行。另外，该行相信行业层面的不良贷款高峰期已过，预期与商业房地产相关的不良贷款将于今年 见顶回稳，其后经历一至两年的去风险过程。 ...