值得注意的是，相较于之前的《征求意见稿》，正式的《办法》新增并明确了禁止"为托管产品垫付资 金、提供流动性支持或融资承诺"，并禁止"违规代替产品管理人向其他机构或者个人进行托管产品信息 披露或提供相关数据信息"。 记者注意到，部分托管银行对基金公司的货币基金产品提供T+0快赎服务，一般而言，快赎需要由托管 机构先行垫资，而在此过程当中，可能会存在信用风险和流动性风险由管理人转移到托管人的情况。 对此，《办法》给出了3年过渡期安排，明确指出"对于不符合本办法规定的存量业务，应当自本办法施 行起三年内整改完成。已为托管产品垫付资金、提供流动性支持或融资承诺的，商业银行应当按照实质 重于形式原则和穿透原则，准确识别和评估业务风险，根据相关规定进行资产风险分类，并计提减值准 备和资本"。 （原标题：禁止为托管产品垫付资金！银行托管业务迎新规） 21世纪经济报道记者 吴霜 近日，国家金融监督管理总局正式发布了《商业银行托管业务监督管理办法（试行）》（以下简称《办 法》），对银行托管业务中，托管产品准入、非标资产托管、垫资行为，以及风险资本计提上做出了进 一步的明确要求。 该办法将于2026年2月1日起正式施行，并为存量 ...

Group 1 - The article discusses the high delivery fees associated with food delivery services, highlighting consumer frustration with a 5 yuan delivery fee on a 50 yuan meal [1] - It emphasizes the growing trend of consumers seeking cost-effective solutions in their spending habits, particularly in the context of food delivery [1] Group 2 - The article mentions the popularity of borrowing video app memberships among consumers, indicating a willingness to spend on experiences like concert tickets while seeking savings elsewhere [2] - It reflects a cultural trend where consumers are increasingly reliant on social networks for sharing resources, such as borrowing VIP memberships for video streaming [2] Group 3 - The article highlights a DIY approach to personal care, showcasing a trend of consumers looking for cost-saving methods in their skincare routines [3] - It suggests that consumers are becoming more resourceful and creative in finding ways to maintain their beauty regimens without overspending [3] Group 4 - The article introduces a cash management tool provided by China Construction Bank, which connects to money market fund products, emphasizing its features like quick redemption and flexible investment options [4] - It positions this tool as an ideal investment solution for consumers looking to manage their idle cash effectively, aligning with the trend of frugality [4]