新年伊始，工行、农行等多家银行密集推出了资产提升活动，即月日均金融资产提升至一定规模后，可 享受对应档位的活动奖励，如商品兑换豆、微信立减金等。不止大行，多家城商行及农商行也在近期纷 纷推出相关活动的宣传海报。 记者注意到，多数银行都注明了金融资产包括存款、理财、基金、保险、国债等，不过部分银行对于理 财在途资金、基金在途资金的划分存在差异。 活动密集上线的背后，是当下银行持续发力零售AUM（资产管理规模），希望借此增强客户黏性。 多家银行开展资产提升活动 "成功的活动通过引导客户将更多资产集中于银行并开展多元配置，能显著增强客户的转换成本与服务 依赖度，从而提升黏性。对银行而言，这不仅能直接做大AUM基数，更能通过带动理财、基金等产品 销售增加中收，通过资金沉淀稳定低成本负债，并通过深化服务挖掘更多交叉销售机会，从而改善客户 综合收益贡献，实现从规模到价值的转化。"武泽伟表示。 据农行零售银行公众号1月6日消息，即日起至3月31日，农行掌银注册用户可参加该行"资产提升有 礼"活动。其中一季度1月场次的活动内容是1月月日均金融资产较去年12月月日均金融资产提升，可抽 取对应档位的奖励。从活动的档位设置来看，资 ...

转自：北京日报客户端 新年伊始，商业银行的零售财富"争夺战"已悄然升温。1月6日，北京商报记者注意到，从国有大行到区 域性农商行，近日多家金融机构密集上线2026年"资产提升好礼"活动，以阶梯式权益奖励撬动用户优化 资产配置的积极性，一场覆盖大中小银行的零售AUM（资产管理规模）争夺战正拉开帷幕。 事实上，在利率下行、息差不断收窄的大背景下，财富管理已成为银行业务发展的新动能。但如何超越 短期活动思维，构建提振零售AUM业务的长效机制，正成为这场"争夺战"角力的关键。 零售AUM"争夺战" 1月6日，北京商报记者注意到，农业银行、南京银行、永丰银行（中国）、祁县农商行、安庆农商行、 靖江农商行、溧水农商行等多家金融机构密集上线2026年"资产提升好礼"活动，通过设置资产提升档 位，奖励对应积分、小豆、微信立减金等权益，撬动用户优化资产配置的积极性。 农业银行推文介绍，即日起至2026年3月31日期间，掌银注册用户以2026年1月月日均金融资产较2025年 12月月日均金融资产对比，达到其设置的七级提升档位中的任一档位即可参与抽奖。具体来看，其资产 提升档位最低设置为10万元（含）—30万元（不含）可抽5.2万 ...

青海银行的前身是1997年12月30日成立的西宁市商业银行，2008年11月经原中国银监会批准更名为青海银行。 此次变更源于青海金融监管局的系列核准：2025年12月26日印发的《青金复〔2025〕166号》批复，首先同意了青海银行募集6.48亿股的注册资本变更方 案，并核准西部矿业集团有限公司、青海省交通控股集团有限公司的股东资格；同时要求该行严格核查入股资金来源的合法性，强化股权管理与风险防控。 在此基础上，青海银行提交注册资本变更申请后，青海金融监管局于2025年12月30日以《青金复〔2025〕171号》批复明确：同意其增加注册资本6.48亿元 人民币，注册资本由25.57亿元正式调整为32.05亿元，并要求按规定完成变更手续。 截至2024年末，青海银行资产总额已达1130.03亿元，各项存款余额839.44亿元（较年初新增74.2亿元），各项贷款余额664.35亿元（较年初新增9.16亿 元）；同期实现各项收入38.35亿元、净利润2.2亿元，拨备覆盖率157.18%、流动性比例81.03%，不良贷款率2.65%。 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6日，青海金融监 ...

来源：新金融琅琊榜 作者：叶冬 曾经的亢奋是时代红利的馈赠，如今的无奈是转型阵痛的必然。告别吧。回不去了。 "这开门红指标，李鸿章来了都不敢签。" 最近，这句吐槽在银行圈刷屏，带着几分黑色幽默，也道出了基层员工的真实困境。 曾几何时，开门红是银行业开年的全民狂欢，是全年业绩的底气所在；如今褪去红利加持，这场年度大 戏只剩指标高悬的唏嘘。 从亢奋到无奈，银行开门红的变迁，不仅记录着行业周期，也折射出一个时代的转折。 分行则将任务拆解到极致，把存款、贷款、理财、信用卡、保险等核心目标，拆成几十个子项，落到每 一个支行、每一个网点、每一个人头上。当日目标完不成，全员留堂复盘找问题；周进度落后，无休加 班补缺口；月末排名垫底，要站在全行大会上作检讨。 基层网点，更是这场狂欢最热闹的主战场。大红横幅从门头垂到立柱，"存款享好礼"的海报贴满墙面， 米面油堆成小山，电饭煲、空气炸锅、千元购物卡整齐列队。一线员工个个练就全能本领，白天守在柜 台，办卡时顺势推理财、取款时主动荐定期，嗓子哑了含颗润喉糖…… 下班从不是工作的终点，而是拓客的第二战场。有人沿街扫铺，从菜市场的摊贩到街边的便利店；有人 扎根社区摆起展台，给大爷大妈送 ...

随着我国人口老龄化进程加快，如何让亿万老年人实现"老有所养"已成为社会关切的问题。近期，《中共中央 关于制定国民经济和社会发展第十五个五年规划的建议》中明确提出，"积极应对人口老龄化，健全养老事业和 产业协同发展政策机制""优化基本养老服务供给"。这一系列顶层设计不仅为老龄事业发展指明方向，更对金融 机构深耕养老金融领域、履行社会责任提出了更高要求。作为金融"五篇大文章"之一，养老金融已成为增强国 民养老保障能力的战略选择和关键支撑。 近年来，中国工商银行北京市分行（以下简称"工行北分"）积极顺应人口老龄化趋势与国家战略导向，以体系 化建设筑牢发展根基，以多层次服务回应民生需求，以创新融合驱动业务升级，全力构建覆盖养老金金融、养 老服务金融、养老产业金融的养老金融生态体系。 构建协同高效组织体系 开拓养老金融发展新局 当前，"银发经济"正以蓬勃之势崛起，逐渐成为我国经济发展的新亮点。作为银发经济的重要组成部分，养老 金融正发挥着越来越重要的支撑作用。对于金融机构而言，想要更好地发展养老金融，健全的组织保障是前 提。 为推动养老金融业务高质量发展、强化服务保障能力，工行北分构建起了独具特色的"3+4+3"养老金 ...

截至2025年12月22日收盘，中国石油（601857）报收于9.72元，较前一交易日上涨0.73%，最新总市值 为17789.6亿元。该股当日开盘9.72元，最高9.75元，最低9.64元，成交额达8.38亿元，换手率为0.05%。 近日，中国石油天然气股份有限公司发布关于与中油财务有限责任公司货币类金融衍生业务交易及2026 年度金融业务预计的公告。公告称，公司第九届董事会第十六次会议审议通过相关议案，中油财务将在 2026年度向公司及附属公司提供存款、贷款、授信及货币类金融衍生品服务。其中，每日最高存款余额 为650亿元，贷款额度1,500亿元，综合授信金额2,000亿元。2026年开展货币类金融衍生业务交易规模上 限为70亿美元，资金来源为自有资金，交易品种包括远期结售汇、远期外汇买卖、外汇掉期、货币掉 期、利率掉期，交易期限为2026年1月1日至12月31日。本次交易构成关联交易，但无需提交股东会审 议。 最新公告列表 《中国石油天然气股份有限公司关于选举公司副董事长的公告》 《中国石油天然气股份有限公司第九届董事会第十六次会议决议公告》 《中国石油天然气股份有限公司关于与中油财务有限责任公司货币类 ...

新华财经成都12月19日电（记者袁波）记者19日从中国人民银行四川省分行获悉，2025年11月末，四川 省本外币各项贷款余额12.9万亿元，同比增长10.4%，较年初增加11312亿元。分部门看，住户贷款增加 1068亿元，企事业单位贷款增加10094亿元。 中国人民银行四川省分行相关负责人表示，各项贷款增速持续保持10%以上，有力满足了经营主体合理 信贷需求。近年来，四川不断加强金融政策和财政、产业政策的协同，特别是2024年9月以来，加力落 实系列存量和增量金融政策，针对性优化金融资源配置，金融服务实体经济质效大幅提升，全力支持四 川发挥经济大省挑大梁作用。 （文章来源：新华财经） 数据显示，11月末，四川省本外币各项存款余额14.5万亿元，同比增长8.2%，较年初增加10478亿元。 分部门看，住户存款增加6878亿元，非金融企业存款增加1391亿元，机关团体存款增加811亿元，财政 性存款增加981亿元，非银行业金融机构存款增加432亿元。 ...

Summary of Conference Call Company and Industry - The conference call pertains to **Nordea**, a financial services group operating in the Nordic region, focusing on macroeconomic trends, interest rates, and financial performance metrics. Core Points and Arguments 1. **Macro Trends**: - Interest rates are expected to decrease by approximately **12 basis points** quarter on quarter in Q4, following rate cuts in Q3. The average decrease in three-month interbank offered rates was **19 basis points** in Sweden and **8 basis points** in Norway, while Denmark and Finland saw increases of **2 to 3 basis points** [2][3] - The USD-denominated MSCI World Index increased by **4.9%** quarter on quarter, and the OMX40 Nordic Index rose by **3.8%** [2] 2. **Net Interest Income (NII)**: - NII for Q3 was reported at **EUR 1.775 billion**, with expectations for Q4 to be lower due to a decrease in average Nordic policy rates [3][4] - The margin-driven NII saw a reduction of nearly **EUR 90 million** in Q3, with a projected contribution of around **EUR 10 million** from deposit hedges in Q4 [4][5] 3. **Net Fee and Commission Income (NCI)**: - NCI for Q3 was **EUR 811 million**, with non-recurring gains of **EUR 10 million** not expected to repeat, leading to a relevant starting point of **EUR 800 million** for Q4 [6] - The average quarterly run rate for brokerage and advisory services was around **EUR 50 million** [7] 4. **Net Insurance Results**: - Q3 net insurance results were **EUR 66 million**, benefiting from movements in medium to long-term interest rates [9] 5. **Loan Losses**: - Historically, loan losses in Q4 tend to be higher, with expectations around **10 basis points** based on long-term averages. Significant portions of management judgment buffers have already been released earlier in the year [10][11] 6. **Capital and Dividends**: - The CET1 ratio was **15.9%** at the end of Q3, with a requirement of **13.6%**. A new buyback program of **EUR 500 million** was launched, expected to reduce the CET1 ratio by **30 basis points** [12][15] - The dividend policy aims for a payout of **60%-70%** of annual profits, with a stable to growing dividend per share ambition [12][13] Other Important Content - The impact of foreign exchange (FX) movements was noted, with SEK and NOK showing minor tailwinds for euro-denominated income in Q4 [3] - The conference call emphasized the importance of tracking FX movements, particularly for the P&L statement [3] - The company plans to book a fee for interest-free deposits under regulatory fees starting Q4, with a limited impact of mid-single-digit million euros [10] - The silent period for further inquiries begins on **7 January**, with the Q4 report scheduled for release on **29 January** [1][16]

Core Viewpoint - The core issue in current financial reform is balancing the reduction of financing costs for the real economy with the sustainability of financial institutions, as highlighted by the People's Bank of China's report indicating that the phenomenon of corporate loan rates being lower than government bond rates is unsustainable [2] Group 1: Transmission Blockages - The transmission of monetary policy is hindered by several structural issues, including the distortion caused by inverted interest rates, where corporate loan rates are lower than government bond yields, undermining the risk pricing logic [3][4] - The narrowing of bank interest margins restricts banks' willingness and ability to transmit policy changes to the real economy, with the net interest margin for commercial banks at a historical low of 1.42% in Q3 2025, down 12 basis points from 1.54% in the same period of 2024 [5] - The stagnation of the Loan Prime Rate (LPR) adjustment, which has remained unchanged for six months, reflects constraints on further monetary easing and affects the efficiency of policy transmission [6] Group 2: Structural Issues - The asymmetry in the adjustment of deposit and loan rates creates a dilemma for banks, as rapid declines in loan rates are not matched by corresponding decreases in deposit costs, further squeezing interest margins [7] - There is a regional and structural disparity in interest rate transmission, where developed eastern regions and large state-owned enterprises can access financing at lower costs compared to small and private enterprises in central and western regions [8] Group 3: Optimization Paths - To address these transmission blockages, six key optimization paths are proposed, including enhancing the interest rate corridor to improve the effectiveness of policy rate transmission and deepening the marketization of deposit rates [9][10] - Building a modern financial institution system that encourages differentiated competition and focuses on core business areas is essential for improving the competitive environment in the financial sector [11][12] - The use of structural monetary policy tools should be strengthened to provide targeted support for key areas such as technology innovation and small enterprises, ensuring that policy benefits reach the intended recipients [13][14] - Improving the risk pricing mechanism is crucial to address issues of interest rate inversion and pricing disorder, which includes enhancing the credit system and reforming internal bank assessment mechanisms [14] - Establishing a coordinated financial regulatory mechanism is necessary to maintain a conducive environment for interest rate transmission and to prevent regulatory arbitrage [15]

Core Viewpoint - The central bank's decision to lower the reserve requirement ratio (RRR) is a significant monetary policy adjustment that directly impacts economic operations and individual asset allocation, affecting mortgage payments, deposit interest rates, and investment returns [1][4]. Group 1: Impact on Mortgage Borrowers - The immediate benefit for mortgage borrowers is the potential for lower interest rates, with both new and existing mortgage rates likely to decrease following the RRR cut [5][6]. - Borrowers who have not yet converted to the Loan Prime Rate (LPR) should consider this option to benefit from future rate reductions, as fixed rates will not capture these potential savings [6]. - Optimizing the mortgage repricing cycle can allow borrowers to enjoy lower rates sooner, with banks now permitting negotiations on repricing periods [6]. Group 2: Impact on Depositors - Following the RRR cut, deposit interest rates are expected to decline, with significant differences in rates among large state-owned banks, joint-stock banks, and smaller banks [7][8]. - Depositors should focus on selecting the right bank and term for their deposits to maximize interest earnings, as current low rates on demand deposits are insufficient for long-term savings [7]. - Strategies such as the "ladder deposit method" and "tiered interest" products can enhance returns, allowing for flexibility and better interest rates [9]. Group 3: Impact on Investors - The decline in market interest rates post-RRR cut has altered the yield structure of investment products, with a shift towards more conservative investment strategies becoming prevalent among investors [10]. - Fixed-income products are recommended as a foundational investment, particularly for those with lower risk tolerance, while bond funds and index funds are seen as favorable options in the current environment [10]. - Investors should be cautious of high-yield traps, as products with significantly higher returns often carry increased risks, and should avoid impulsive investment decisions based on market fluctuations [11][12].