21世纪经济报道记者张欣 近日，工商银行（601398）、农业银行（601288）、中国银行（601988）、交通银行（601328）等国有大型商业银行2026年党 建暨经营工作会议相继落幕，新一年的发展路线图已然清晰。 据本报记者梳理总结，在"十五五"开局之年，国有大行将强化政治引领与责任担当，围绕服务实体经济、防控金融风险、深化 内部改革三大核心主线，推动金融资源实现更精准、更有效的"滴灌"，为经济高质量发展提供有力支撑。 主线一：聚焦主责主业，精准服务国家战略 国有大行在部署年度经营任务时，普遍将信贷资源与金融服务重点投向国家战略领域和经济社会发展中的薄弱环节，力求实现 金融供给的"精准滴灌"。 一是服务国家战略部署。 工商银行提出，要靠前对接一揽子政策，在服务现代化产业体系建设、助力加快构建新发展格局、支持经济发展和社会发展协 调并进中发挥领军银行作用，构建高度适配的现代化布局。同时要突出主责主业，投资于物和投资于人紧密结合，加大贷款投 放、债券投资力度等。 农业银行则提出，将服务"三农"作为重中之重，全力支持乡村全面振兴和城乡融合发展。专注主责主业，持续向县域农村倾斜 金融资源。加大粮食全产业链、宜 ...

智通财经APP获悉，1月22日，香港财经事务及库务局副局长陈浩濂在立法会会议上就议员动议的"制订 香港特区发展愿景，主动对接国家'十五五'规划"议案发言指出，香港财库局已制定中长期愿景，推动 金融业融入和服务国家发展大局，重点有巩固提升市场优势、助力实体经济高质量发展、深化内外联动 以及守护金融安全四大方面。 第一，巩固提升市场优势。香港市场高度开放和国际化，监管接轨海外、法治稳健、人才汇聚、基建完 善、资金和资讯自由流通。香港财库局会继续提升股票市场竞争力，便利中概股回归、强化离岸人民币 业务枢纽，提升流动性和产品工具，并会继续吸引家族办公室落户，优化税制，以加强资产管理业务的 竞争力。 第三，深化内外联动。香港财库局会以沪深港通、债券通、跨境理财通等为基础，在"十五五"时期将继 续拓展互联互通，包括推动房地产投资信托基金纳入"互联互通"、推出离岸国债期货、推进人民币柜台 纳入港股通、优化快速支付系统互联等，用好大湾区政策"试验田"。 香港也会发挥"超级联系人"角色，助力内地企业"走出去"、把海外企业和国际资金"引进来"，吸引企业 在港设立财资中心及专属自保公司，并透过亚洲金融论坛、裕泽香江高峰论坛等金融盛 ...

展望"十五五"，新征程浩然开启。2026年是承前启后的关键之年，全市金融系统将牢记嘱托、感恩奋进，紧紧围绕加快建设金融强市目标，紧扣"防风 险、强监管、促发展"主线，以走在前列的奋斗姿态，谋篇布局、精准发力，为广州高质量实现老城市新活力、"四个出新出彩"，巩固提升高质量发展"领 头羊"和"火车头"地位，贡献更为坚实的金融力量。 （来源：广州金融） 广州市地方金融管理局局长傅晓初： "十四五"以来，在市委、市政府的坚强领导下，广州金融业实现了跨越式发展：金融业增加值突破3000亿元，跃升为全市第三大支柱产业；本外币存贷款 余额、保费收入稳居全国城市前列；广州期货交易所揭牌运营，国家级金融交易平台实现历史性突破；一批优质持牌机构相继落户，科技金融、绿色金 融、普惠金融、养老金融、数字金融"五篇大文章"书写出鲜明广州特色。金融"活水"精准浇灌，为全市经济社会高质量发展提供了坚实支撑。 广州市地方金融管理局局长傅晓初 聚焦实体赋能产业，在构建现代化产业体系、推动经济量质齐升上彰显新作为 金融是实体经济的血脉。我们将紧抓国家继续实施适度宽松货币政策的机遇，用好用足央行货币政策工具资金，探索推广"专项债+金融贷"组合，发 ...

Core Insights - The article highlights a strategic restructuring in the banking sector, where despite the closure of 7,871 offline branches, there is a net increase of 623 branches in 2025, marking the first positive growth in three years [1][2]. Group 1: Branch Closures - The closed branches typically exhibit characteristics of "three lows and one high": low customer density, low daily productivity, low value business ratio, and high operational costs due to factors like lease expiration and aging properties [2]. - A significant portion of branch closures is attributed to passive shutdowns resulting from institutional consolidations, with 377 banks closing due to mergers or dissolutions, including 218 village banks and 79 rural commercial banks [2]. - The decision to close branches is a strategic response to the pressures of narrowing net interest margins and the acceleration of digital transformation, aiming to eliminate inefficiencies and redirect resources to more valuable areas [2]. Group 2: New Branch Openings - The increase in new branches reflects a structural re-evaluation of the value of offline channels, emphasizing that online services cannot fully replace the warmth and precision of in-person interactions [3]. - New branches are designed to meet specific customer needs and situational contexts, focusing on underserved areas and creating specialized branches for themes like elderly finance and technology finance [3][4]. - The growth in new branches is driven by regulatory requirements and regional rebalancing, with 63% of new branches located in rural areas, and the expansion of consumer finance licenses necessitating physical storefronts [4]. Group 3: Branch Transformation - The new generation of branches has undergone comprehensive upgrades in form, function, and technology, transitioning from "transaction counters" to "scene plugins" [5]. - New branches average 186 square meters, equipped with advanced technology such as 8.4 smart screens and 3.2 cash recycling machines, while staffing has been reduced from 9 to 3.5 employees [6]. - The selection logic for new branches has shifted to a "15-minute community living circle," enhancing customer flow conversion rates by 2.6 times, indicating a focus on integrating banking services into daily life [6].

Core Insights - The 20th Central Committee's Fourth Plenary Session outlines a blueprint for China's development over the next five years, emphasizing the importance of financial asset management companies in risk prevention and supporting the real economy [1][2]. Group 1: Understanding the Significance of the Plenary Session - The plenary session addresses major issues for the "14th Five-Year Plan" period, providing fundamental guidance for financial work in the new era [1][2]. - Financial asset management companies must grasp the session's significance and contribute positively to the construction of a financial power [1][2]. Group 2: Implementation of the Plenary Session's Spirit - The session emphasizes the need for financial asset management companies to accurately position themselves and actively play their unique roles in the broader context [2]. - Companies are required to enhance their risk management capabilities and act as stabilizers in the financial system, ensuring high-quality development [2][5]. Group 3: Focus Areas for Financial Asset Management Companies - Companies are tasked with advancing five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, aligning with national strategic needs [3][4][5]. - Over the past three years, the company has invested a total of 107.7 billion yuan in these five areas, demonstrating its commitment to fulfilling its responsibilities [2][3]. Group 4: Specific Strategies and Innovations - In technology finance, the company aims to support enterprises in overcoming innovation challenges and optimizing governance [3]. - In green finance, the focus is on supporting the transition to a clean and low-carbon energy system, including investments in major energy projects [3]. - Inclusive finance efforts include addressing risks in the economy and providing targeted financial solutions to small and medium-sized banks [3][4]. Group 5: Addressing Aging Population and Digital Transformation - The company is actively engaging in pension finance to address the needs of an aging population, exploring sustainable business models in the healthcare sector [4]. - In digital finance, the company is promoting digital transformation and exploring innovative applications of artificial intelligence in asset management [5]. Group 6: Future Development Plans - The company plans to enhance its role in stabilizing the economy and supporting the real economy during the "14th Five-Year Plan" period, utilizing various financial tools to assist struggling enterprises [5][6]. - The focus will also be on revitalizing existing assets and addressing risks in key sectors, particularly in the real estate market [6].

Group 1 - The banking and insurance sectors in Henan have shown significant growth during the "14th Five-Year Plan" period, with total assets reaching nearly 15 trillion yuan and total liabilities at 14.85 trillion yuan, marking a 50% increase compared to the end of the "13th Five-Year Plan" [1] - The balance of deposits in the banking sector increased from 7.76 trillion yuan to 11.79 trillion yuan, a growth of 52.07%, while the loan balance rose from 6.41 trillion yuan to 9.27 trillion yuan, reflecting a 44.58% increase [1] - The insurance industry also experienced robust growth, with the insurance depth and density at 4.25% and 2761.43 yuan per person respectively by the end of 2024, with the insurance density increasing by 9.49% compared to the end of the "13th Five-Year Plan" [1] Group 2 - The financial sectors are focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, which are crucial for high-quality development in serving the real economy [2] - The loan balance in these five areas reached nearly 3.13 trillion yuan, showing a growth of 13.8% compared to the same period in 2024 [2] - The number of inclusive small and micro credit clients reached 2.311 million, with a loan balance of 1.311046 trillion yuan, representing an increase of over 70% since the beginning of the "14th Five-Year Plan" [2]

Group 1 - The "Jizhi Award" aims to establish benchmarks for high-quality development, guiding listed companies to focus on their core business, innovate continuously, and fulfill social responsibilities, thereby promoting capital to gather towards quality enterprises [3] - The evaluation of the award is based on six dimensions: social responsibility, industrial contribution, investment returns, growth prospects, innovation efficiency, and outstanding brand, covering over 8,000 companies in A-shares, Hong Kong stocks, and Chinese concept stocks [3] Group 2 - The "Outstanding High-Quality Development Model Award" recognizes banking institutions that adhere to high-quality development principles and excel in serving national strategies and economic development [4] - Key evaluation criteria include precise alignment with the credit needs of the real economy, implementation of strategic deployments, leading growth in financial services in key areas, and outstanding ESG performance and sustainability capabilities [4] - Xiamen Bank, as the first listed city commercial bank in Fujian, received this award for its commitment to high-quality development and effective financial services to the real economy [4] Group 3 - As of the end of September 2025, Xiamen Bank's total loans and advances reached 234.524 billion yuan, a year-on-year increase of 14.15%, indicating a continuous tilt of credit resources towards the real economy [4] - The bank has seen a 51% increase in loan balances for Taiwanese enterprises, with the number of Taiwanese clients growing by 7% as of June 2025 [4] - In the inclusive finance sector, the bank has supported over 4,900 small and private enterprises, alleviating financing difficulties for the private economy [4] Group 4 - Xiamen Bank's ESG performance is highly recognized, achieving an AA rating in the Wind 2025 ESG rating, placing it among the top listed commercial banks [5] - The bank maintains a low non-performing loan ratio of 0.80% and a provision coverage ratio of 304.39%, ensuring strong asset quality [5] - Looking ahead, Xiamen Bank aims to optimize financial resource allocation to promote industrial upgrades, green transformation, and improve livelihoods, achieving a synergy between economic benefits and social value [5]

Core Insights - The People's Bank of China released the "China Financial Stability Report (2025)", highlighting the complex changes in the development environment during the 14th Five-Year Plan period, with both strategic opportunities and risks present [1] - The report emphasizes the resilience and potential of China's economy, supported by the advantages of the socialist system, large market size, complete industrial system, and abundant human resources [1] Group 1: Economic Policy and Financial Stability - The monetary policy will focus on promoting stable economic growth and reasonable price recovery, maintaining ample liquidity, and keeping social financing costs low [2] - The report stresses the importance of market determination in exchange rate formation, maintaining exchange rate flexibility, and preventing excessive fluctuations while ensuring the RMB remains stable at a reasonable level [2] - It outlines the development of five key financial areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to support major national strategies and address key areas of economic development [2] Group 2: Risk Management and Financial Oversight - A comprehensive macro-prudential management system will be established to enhance monitoring and assessment of systemic financial risks, with a focus on key areas [2] - The report emphasizes the need to prevent and resolve financial risks in critical sectors, including supporting the resolution of financing platform debt risks and managing risks in small financial institutions [2] - It highlights the importance of maintaining macro-prudential management in the real estate finance sector to avoid systemic financial risks [2]

Core Insights - The People's Bank of China released the "China Financial Stability Report (2025)", highlighting that in 2024, the country aims to achieve its economic and social development goals amidst a complex external environment [1] - The report projects a GDP of 134.9 trillion yuan, with a year-on-year growth of 5%, stable employment and prices, and a record high in foreign trade [1] - The financial system will focus on maintaining stability while promoting progress, implementing proactive macro policies, and preventing financial risks [3] Group 1 - The report emphasizes the importance of balancing effective markets and proactive government roles, as well as managing supply and demand dynamics to foster new growth drivers while optimizing existing ones [1] - It notes that the financial system will adhere to the centralized leadership of the Party, ensuring stability and security in financial operations [1][3] - The report indicates that the international balance of payments is stable, with foreign exchange reserves exceeding 3.2 trillion USD [1] Group 2 - The upcoming "15th Five-Year Plan" period is characterized by both strategic opportunities and risks, with increasing uncertainties in the development environment [2] - The financial system will maintain ample liquidity, aligning social financing scale and money supply growth with economic growth and price level expectations [3] - There will be a strong emphasis on developing various financial sectors, including technology finance, green finance, inclusive finance, pension finance, and digital finance, to support key national strategies and address weaknesses [3]

Core Viewpoint - The People's Bank of China released the "China Financial Stability Report (2025)", highlighting the complex changes in the development environment during the "14th Five-Year Plan" period, characterized by both strategic opportunities and risks, with increasing uncertainties [1] Economic Environment - China's economic foundation is stable, with multiple advantages, strong resilience, and significant potential, maintaining long-term positive support conditions and trends [1] - The advantages of the socialist system with Chinese characteristics, large-scale market, complete industrial system, and abundant human resources are becoming more prominent [1] Financial System Outlook - The financial system will maintain ample liquidity, aligning the growth of social financing scale and money supply with economic growth and price level expectations [1] - Continuous efforts will be made to create a conducive monetary and financial environment, aiming to reduce the comprehensive financing costs for society [1] Exchange Rate Management - The market will play a decisive role in the formation of the exchange rate, maintaining exchange rate flexibility and strengthening expectation guidance to prevent excessive fluctuations [1] - The goal is to keep the RMB exchange rate stable at a reasonable and balanced level [1] Financial Development Focus - Emphasis on developing five key areas of finance: technology finance, green finance, inclusive finance, pension finance, and digital finance, to support major national strategies and key areas of economic and social development [1] Risk Management - A comprehensive macro-prudential management system will be established to enhance monitoring and assessment of systemic financial risks [1] - Focus on preventing and resolving financial risks in key areas, including supporting the resolution of financing platform debt risks and managing risks in small and medium-sized financial institutions [1] - Ensuring macro-prudential management in real estate finance to firmly maintain the bottom line of preventing systemic financial risks [1]