银行 1.国有大行黄金积存业务再提门槛 2026年元旦过后，工商银行公告，自2026年1月12日起，将对个人客户积存金业务风险承受能力等级进 行调整。调整之后个人客户风险承受能力等级达到C3-平衡型及以上才能购买积存金。2025年11月，建 设银行月积存金额起点金额调整为1200元，并以10元整数倍递增。据了解，2025年以来，中信银行、宁 波银行、中原银行等多家先后将黄金相关业务准入等级上调至C3-平衡型或与之对应的级别，反映出银 行业在黄金市场高位震荡背景下，加强风险提示和投资者保护。【新京报】 2.50万亿存款到期潮来袭 据华泰证券测算，今年1年期以上定期存款到期体量达50万亿元，集中于2年期、3年期存款，这部分存 款到期量预计均在20万亿以上，5年期大致在5-6万亿。分银行类型来看，预计国有行存款到期规模最 大，体量大致在30—40万亿。华泰证券研报则提到，到期存款主要流向四个方向，首先是偿还存量房 贷，但数量有限；其次，通过理财、分红险、"固收+"等诸多途径进入股市，流入量级取决于股市表 现；转投理财、货基等，会带动理财等对债券的需求；最后，接受新的低利率环境，继续续作存款。 【时代周报】 3.20 ...

近日，晋商消费金融成为被执行人，执行标的为2万元，立案时间为2025年12月10日，执行法院为绥中 县人民法院。 公开信息显示，晋商消费金融成立于2016年2月23日，目前注册资本5亿元，是经原银保监会批准成立的 全国性持牌消费金融公司，也是山西省内首家消费金融公司。 成立初期，晋商消费金融的第二大股东为360旗下北京奇飞翔艺商务咨询有限公司（本文称"奇飞翔 艺"），2023年1月，彼时的中国银保监局山西监管局批复了晋商消费金融股权变更的相关请示。 晋商消费金融股份有限公司 主营产品上，晋商消费金融旗下拥有"借蛙"、"晋情贷"等消费信贷产品。 批复显示，由上海荣大投资管理有限公司（本文称"上海荣大"）受让奇飞翔艺持有晋商消费金融的1.25 亿股股份，受让后，奇飞翔艺不再持有相关股权。 截至目前，该公司前三大股东分别为：晋商银行（持股40%）、上海荣大投资管理有限公司（持股 25%）、天津宇信易诚科技有限公司（持股20%）。 在持牌消金公司中，晋商消费金融在资产规模和盈利方面上较为落后，且近几年的增长情况较为不稳 定。 截至2024年末，晋商消费金融总资产108.31亿元，较上年末增长20.99%；贷款余额10 ...

Group 1 - The National Financial Supervision Administration of Shanxi issued a response regarding the appointment qualifications of Zhao Chongping as the president of Jinshang Consumer Finance Co., Ltd. (hereinafter referred to as "Jinshang Finance") [1] - Jinshang Finance was established on February 23, 2016, headquartered in Taiyuan, Shanxi, and is a national licensed consumer finance company approved by the former China Banking and Insurance Regulatory Commission [1] - Jinshang Finance is a member of the Consumer Finance Professional Committee of the China Banking Association and was jointly funded by Jinshang Bank Co., Ltd., Shanghai Rongda Investment Management Co., Ltd., Tianjin Yuxin Yicheng Technology Co., Ltd., Shanxi Huayu Commercial Development Co., Ltd., and Shanxi Meitehao Chain Supermarket Co., Ltd. [1] Group 2 - According to Yuxin Technology (300674.SZ), Jinshang Finance's investment income recognized under the equity method for the first half of 2025 was 6.5468 million yuan, leading to a calculated net profit of 32.7341 million yuan for Jinshang Finance [1] - Jinshang Finance offers a range of consumer credit products, including "Jie Wa" and "Jin Qing Dai," and has developed a product system that includes online small loans, offline large loans, consumer installment, and revolving credit [1] Group 3 - In April of this year, the National Financial Supervision Administration issued a notice to strengthen the management of commercial banks' internet loan facilitation business, requiring banks to implement a list management system for platform operators and credit enhancement service institutions [2] - The notice will take effect on October 1, 2025, and will also apply to foreign bank branches, trust companies, consumer finance companies, and auto finance companies [2] - Jinshang Finance has published a list of 43 collection cooperation institutions, covering various fields such as information technology, business consulting, financial services, and law firms, with a significant number of institutions located in Shanxi Province, Sichuan Province, and Beijing [2]