此外，在保证假期开门网点数量合理、服务有效覆盖的基础上，该行重点做好主要商业街、居民区、大 型交通枢纽和热门旅游景点周边等区域的网点营业服务，累计服务客户数同比增长近23%，办理业务量 同比增长超15%。 编辑：刘润榕 在线上服务方面，该行持续做好手机银行与"工银e生活"7*24小时服务，转账汇款、投资理财、信贷申 请、生活消费等金融服务全天候在线，并依托智能客服、智能推荐与极简流程等功能持续优化用户体 验。春节假期，该行手机银行活跃用户同比增长超9%，交易量同比增长超10%。 新华财经北京2月26日电（记者 陆宇航）记者日前从工商银行了解到，春节假期，该行交易量再创新 高，较历史高峰增长近9%；支付结算交易规模显著增长，快捷支付笔数日均同比增长近44%，交易额 增长10%；商户收单笔数日均同比增长近12%，交易额增长超19%，其中受理境外来华人员消费交易笔 数和金额分别增长超90%和100%。 在消费信贷方面，该行2月以来该行累计发放个人消费贷款近290亿元。"融e借"信用贷款实现7*24小时 按需申请、快速审批、即时支用，精准对接汽车厂商等大宗消费场景，春节假期日均放款额较去年同期 增长超30%。高效落实 ...

齐鲁晚报.齐鲁壹点李可通讯员张萌 为将金融服务落到实处，该行不断优化服务体验，全力构建线上线下（300959）一体化服务体系。在线 下，该行着力提升柜面服务效率，为客户提供便捷高效的业务办理体验；在线上，依托手机银行、网上 银行等数字化平台，实现转账汇款、贷款申请、生活缴费等高频业务的"一站式"办理，真正打通金融服 务"最后一公里"，有效提升了客户的金融服务获得感。 未来，该行将继续坚守金融本源，深耕主责主业，持续创新服务模式与金融产品。在服务实体经济、推 动高质量发展的道路上，该行将以更精准的金融供给，为地方经济社会发展贡献更大的金融力量。 金融作为实体经济的血脉，对经济发展起着至关重要的作用。长期以来，东明农商银行始终坚守"立足 本土、服务实体"的市场定位，深耕区域金融市场，以高效的服务质效和稳健的经营理念，持续助力地 方经济高质量发展。 ...

辞旧迎新添吉庆，马踏春风启新程。2026年马年春节期间，年味漫染陇原大地，年货消费、返乡团聚、 资金周转等需求持续攀升。甘肃银行坚守"深耕陇原、服务民生"初心，秉持"客户至上，服务为先"理 念，以"数字化转型2.0"战略为引领，提前部署、周密谋划，将春节期间金融服务从"在岗值守"升级 为"场景深耕+智能响应+温情守护"的全方位保障体系，线上线下协同发力、优惠便民多措并举，用全 天候、高质量、有温度的金融服务，陪伴广大客户喜迎新春、乐享佳节，切实践行"甘肃人民自己的银 行"的责任与担当，让金融暖意浸润陇原大地每一个角落。 统筹部署早发力 筑牢服务"安全线" 为确保春节期间金融服务平稳有序、高效便捷，甘肃银行提前谋划、精准部署，筑牢服务保障"第一道 防线"。该行提早组织各支行制定春节期间运营服务保障方案，明确关键岗位人员值守安排，成立柔性 管理团队、值班团队及党员先锋队，建立工作支持群，确保突发事件第一时间响应、快速处置。 严格落实总行带班、分支机构值班制度，技术、业务、客服等跨部门应急保障团队7×24小时在岗值 守，实时监测系统运行状态，及时处置各类突发情况，确保金融服务"不断档、不缺位"。同时，各营业 网点节 ...

Core Insights - The mobile banking user base in China is expected to peak in 2025, shifting the industry focus from acquiring new users to enhancing existing user engagement [1] - Financial institutions must achieve extreme efficiency and precision in their ecosystems to survive in this new environment [1] Industry Overview - According to an iResearch report, joint-stock banks are adopting differentiated survival strategies, leading to significant head effects [1] - China Merchants Bank leads joint-stock banks with 71.854 million monthly active users (MAU), surpassing some state-owned banks due to its focus on wealth management and intelligent interaction [1] - Ping An Bank and CITIC Bank form the second tier, maintaining MAUs between 20 million and 30 million, with Ping An Bank leveraging AI to reconstruct service chains and CITIC Bank integrating consumer ecosystems [1] Competitive Landscape - Third-tier institutions, such as Minsheng Bank and Everbright Bank, have seen their MAUs drop to between 10 million and 20 million, indicating a tightening survival space [1] - Local banks are experiencing growth by focusing on their local markets, with city commercial banks like Jiangsu Bank and Beijing Bank maintaining MAUs above 3 million [1] - Among rural commercial banks and rural credit cooperatives, Fujian Rural Credit has surpassed 4.5 million MAUs, capturing traffic in county and rural areas [1] Challenges for Private Banks - The situation for private banks is dire, with the top 50 list for 2025 nearly extinct due to a lack of physical branches, local living ecosystems, and high customer acquisition costs, leading to a loss of competitiveness in the mobile banking sector [1] - In the era of stock competition, ecological and regional capabilities are becoming the key to success [1]

Core Insights - The Chinese mobile banking market is entering a stage of stock competition in 2025, with monthly active users (MAU) stabilizing between 648 million and 739 million [2] - State-owned commercial banks dominate the market due to their ecological embedding advantages, with Agricultural Bank of China leading at 249 million MAU, followed by Industrial and Commercial Bank of China (194 million) and China Construction Bank (109 million) [2] - Private banks are expected to collectively exit the top 50 MAU rankings in 2025 due to a lack of offline branch support and local living ecosystems [2] Group 1: Major Players - Agricultural Bank of China has the highest MAU at 249 million, followed by Industrial and Commercial Bank of China with 194 million and China Construction Bank with 109 million, forming the first tier of banks [2] - China Bank and Postal Savings Bank have MAUs exceeding 50 million, constituting the second tier [2] - China Merchants Bank leads the joint-stock banks with 71.85 million MAU, while Ping An Bank and CITIC Bank form the second tier, with other joint-stock banks generally below 20 million MAU [2] Group 2: Market Dynamics - The core advantage of state-owned banks lies in their "full-scenario integration" capabilities, embedding services deeply into high-frequency life scenarios such as government affairs, social security, healthcare, and education [2] - Agricultural Bank of China extends its services to rural areas through intelligent service matching and customer customization, while Industrial and Commercial Bank of China utilizes its "Gong Xiao Zhi" model for interactive service [2] - Regional banks like Jiangsu Bank, Beijing Bank, and Ningbo Bank show stable performance by focusing on local markets, with some rural commercial banks like Fujian Rural Credit exceeding 4.5 million MAU, indicating the sustainability of localized operations in the stock market [2]

齐鲁晚报.齐鲁壹点李可通讯员张竞心 活动期间，使用农商银行银行卡或手机银行支付的客户可享受专属折扣，还能免费获赠春联、福字等新春好礼。不少村民表示："在家门口就能买到实惠 又放心的年货，还能学习金融知识，农商行的服务太贴心了！" 此次年货节既满足了群众置办年货的需求，也拉近了银行与客户之间的距离，充分体现了该支行服务"三农"、情系民生的责任担当。未来，该支行将继续 创新服务模式，开展更多惠民活动，为乡村振兴贡献金融力量。 新春临近，年味愈发浓郁。为答谢广大客户的长期支持，助力辖区居民轻松置办年货，菏泽农商银行吕陵支行近日在营业网点门前成功举办了"年货进万 家，农商来送福"主题年货节活动。活动现场热闹非凡，洋溢着喜庆氛围，为即将到来的春节增添了温暖的气息。 此次年货节精心挑选了丰富多样的年货商品，包含米面粮油、干果礼盒、糖果糕点、生鲜肉品等各类春节必备物资。所有商品均由支行严格筛选供应商， 确保品质上乘、价格合理，真正让居民得到实惠。 活动现场还设有金融知识宣传区。该支行工作人员向选购年货的群众普及反假币、防范电信诈骗、普惠金融等相关知识，共发放宣传资料300余份，解答 群众咨询50余人次，有效提升了居民的金融 ...

3.信用卡申请、信用卡分期：2月8日02:00至03:00。 微信银行 信用卡申请：2月8日02:00至03:00。 暂停业务类型 暂停时间（北京时间） 个人网银、手机银行 1.跨行普通转账汇款：2月8日02:00至04:50； 2.手机银行教育专区：2月8日02:00至03:40； 2026年2月4日，中国银行（601988）发布公告称，为给您提供更加丰富和优质的金融服务，中国银行将 于2026年2月8日（周日）进行系统升级，届时将暂停个人电子渠道部分服务，包括个人网银、手机银 行、微信银行等，具体安排如下： 中国银行将努力缩短因系统升级而暂停服务的时间，在上述公告停业时间内，如实际停业时间缩短，中 国银行将正常处理客户提交的交易，相关交易均有效。对系统升级给您带来的不便，敬请谅解。如有任 何问题或需任何帮助，敬请咨询在线客服或致电95566。 ...

Core Viewpoint - The article discusses the case of Fan Yifei, a former deputy governor of the People's Bank of China, who was involved in corruption by using financial market rules as a cover for illicit power-money transactions, ultimately leading to his downfall and legal consequences [1][12]. Group 1: Corruption Mechanisms - Fan Yifei utilized his position to engage in corrupt practices, believing he could cleverly navigate the system to benefit both himself and business associates [2][11]. - The investigation revealed that Fan Yifei's illicit financial activities were primarily facilitated through an investment company run by his brother, Fan Kan, which served as a front for corrupt dealings [3][12]. - Businessmen often provided "investment" projects as a means to bribe Fan Yifei, with some agreements being mere paper transactions without actual financial exchanges [4][12]. Group 2: Relationship Dynamics - Liu Qi, a businessman, exemplified the evolving tactics of corrupt businessmen, who sought to build personal relationships with officials to mask their intentions [6][10]. - Liu Qi ingratiated himself into Fan Yifei's social circle, providing personal favors and gifts, which included high-end audio equipment and social outings, to strengthen their bond [6][7]. - The relationship allowed Liu Qi to leverage Fan Yifei's influence to expand his own network within the financial sector, leading to further corruption [8][12]. Group 3: Consequences and Reflections - Fan Yifei's actions not only violated legal and ethical standards but also severely damaged the integrity of the financial system, as he failed to uphold his responsibilities as a regulatory leader [11][12]. - Following his exposure, Fan Yifei was expelled from the Party and public office, with his case highlighting the severe repercussions of corruption within high-ranking financial positions [12][14]. - The case serves as a cautionary tale about the dangers of intertwining power and personal gain, as articulated by Fan Yifei in his reflections on his downfall [14].

Group 1 - The core idea of the articles highlights the ongoing volunteer service activities by Min Tai Bank's Quzhou branch, integrating financial services with public welfare to promote community well-being and financial literacy [1][2] - The "Red Lily" volunteer team engages in various activities, such as anti-fraud education for the elderly, providing free breakfast and hot water for outdoor workers, and offering practical financial knowledge through mini financial classes [1] - Min Tai Bank's Changshan branch has set up mobile service points in its lobby, combining convenient services like free haircuts with financial education to enhance customer awareness of financial risks [1] Group 2 - A representative from Min Tai Bank's Quzhou branch stated that the bank will continue to lead with party building, aiming to professionalize and brand the "Red Lily" volunteer service, while integrating financial resources with innovative financial products and inclusive finance practices [2] - The commitment of "Min Tai Warm Heart, Beneficial Journey Together" aims to contribute to the high-quality development of the city through financial public welfare efforts [2]

Core Insights - The banking sector is undergoing a significant structural transformation in physical branch networks due to the rise of fintech and increasing industry competition [1][2] - In 2025, over 11,000 bank branches were approved for closure, while more than 8,400 new branches were established, indicating a shift from "scale expansion" to "value enhancement" [1][2] Group 1: Branch Closures - The trend of branch closures has accelerated, with over 11,000 branches approved to cease operations in 2025, a significant increase from 2,483 in 2024 [2][3] - Nearly 8,000 of the closures were commercial bank branches, marking a record high for branch exits in recent years [2][3] - The closures are driven by deep digital transformation and the need for banks to adapt their operational strategies [2][3] Group 2: New Branch Openings - In 2025, a total of 8,548 new bank branches were established, surpassing the number of closures [4] - The focus has shifted towards optimizing branch structures, with an emphasis on enhancing coverage in county areas and aligning with rural revitalization and inclusive finance strategies [4][5] Group 3: Efficiency and Value Creation - The transformation of bank branches aims to enhance service quality and redefine their roles, moving from mere transaction processing to value creation [6][7] - Banks are increasingly integrating technology into their branch operations, with a focus on creating specialized branches for sectors like technology finance, green finance, and elder finance [6][7] - The future of physical bank branches is expected to involve a redefined role rather than complete elimination, emphasizing the need for a hybrid approach that combines online and offline services [7]