根据央行多地分行披露的数据，马年贺岁纪念钞、纪念币预约进度已达100%，但有部分用户尚未进行 兑换。截至1月25日，北京地区贺岁币、贺岁钞兑换热情较高，比例分别达90.71%和94.16%；深圳市兑 换比例则分别为62.46%、80.10%；内蒙古自治区分别为85.51%和91.68%；海南省贺岁币和贺岁钞的兑 换比例分别为70.22%和85.28%。 根据公告，工商银行内蒙古自治区分行将兑换截止日由原定的1月26日延至2月2日；工商银行深圳市分 行则延长至2月1日；工商银行北京市分行、建设银行北京市分行均将兑换时间延长至1月31日。此前， 交通银行海南省分行及内蒙古自治区分行亦宣布将兑换期延长至2月2日。 北京商报讯（记者 孟凡霞 周义力）1月26日，北京商报记者注意到，为保障公众兑换需求，工商银行内 蒙古自治区分行、工商银行北京市分行、建设银行北京市分行、工商银行深圳市分行等多家机构发布公 告，宣布延长2026年贺岁普通纪念币及纪念钞的兑换截止日期。 ...

Core Viewpoint - The high-risk nature of the secondary market for commemorative coins and notes is highlighted, with concerns over authenticity and potential price drops due to large issuance volumes [1][3]. Group 1: Market Dynamics - The total issuance of commemorative coins and notes is 100 million pieces, with regional distribution varying significantly, such as 6.3 million for Beijing and 7.5 million for Liaoning [2]. - Despite the large issuance, online reservations were extremely competitive, leading to a surge in secondary market activity as buyers sought alternatives after failing to secure items through official channels [2][3]. - The commemorative coin has a face value of 10 yuan, while a complete set of 20 coins is priced at 200 yuan; the commemorative note has a face value of 20 yuan, with a complete set of 20 notes priced at 400 yuan [2]. Group 2: Investment Risks - The secondary market is characterized by significant emotional and speculative premiums, which may not accurately reflect the long-term value of the items [2][3]. - Buyers are advised to clarify their intentions—whether for collection or speculation—and to be cautious of impulsive decisions made in emotionally charged environments [1][3]. - The lack of physical items available for immediate trade and the absence of authoritative verification channels in the secondary market increase the risk of fraud and misrepresentation [1][3].

Core Viewpoint - The 2026 Year of the Horse commemorative coins and banknotes have seen overwhelming demand, leading to rapid sellouts during the reservation period, sparking discussions about potential second reservation opportunities [1][3]. Group 1: Reservation Process - The reservation for the commemorative coins and banknotes began on January 13, with many users reporting difficulties in securing their reservations due to system overloads [2][3]. - The People's Bank of China has set the offline exchange period for the Year of the Horse commemorative coins and banknotes from January 20 to January 26, requiring successful applicants to present their ID for exchange [3]. Group 2: Market Dynamics - The current market price for a complete set of commemorative coins is around 60 yuan, with the coins having a face value of 10 yuan each and the banknotes at 20 yuan each [4]. - The market is particularly interested in "lucky numbers" for banknotes, which can significantly affect their value, with some numbers being highly sought after and commanding much higher prices [5][6]. Group 3: Investment Risks - Experts caution that while the current interest in the Year of the Horse commemorative items is high, historical trends indicate that prices can fluctuate significantly, as seen with previous commemorative coins [7]. - The market for commemorative coins is currently facing competition from rising gold and silver prices, which may affect the demand for these items [7].

马年贺岁币预约再度火爆。 | 22:14 @ @ = □ N = = | ( % % % % % = " " " ( 68) | | --- | --- | | 年念市/到河约 | | | 每款产品只能预约一次,请选择合适的兑换数量。此产 品兑换期限为2026.01.20至2026.01.26 | | | 纪念币/钞 | 2026年贺岁普通纪念币 | | 兑换分行 | | | 兑换辖行 | | | × 网点 | | 1月13日22时，2026年贺岁纪念币网上预约开启。记者注意到，一些银行相关预约网页出现卡顿、无法访问等情况，但整体较往年 的"卡""爆"好转。仅几分钟，中国工商银行纪念币预约页面显示，上海市各网点线上剩余数量为0。 一银行2026年贺岁币预约页面显示，各地可预约额度为0 卖爆了！山姆499元羽绒服，多地门店已断货 一银行APP2026年贺岁币预约页面卡顿 相比之下，交通银行的可预约数量仍有不少。截至22时20分，交行在其承办的多数省份可预约数量为0。 闫学晶，又一代言被终止 根据中国人民银行安排，国有六大行、华夏银行、浦发银行、徽商银行、长沙银行、陕西省农村信用社联合社共同承担2026年贺岁双色 ...

Group 1 - The 2026 commemorative coins and banknotes will start online reservations on January 13 at 22:00 and 22:30 respectively [1] - The commemorative coin has a face value of 10 yuan, a diameter of 27 mm, and is made of bimetallic copper alloy with a total issuance of 100 million pieces, including 10,000 for historical records [1] - The design of the commemorative coin features traditional Chinese paper-cut art combined with decorative elements, showcasing a horse image [1] Group 2 - The commemorative banknote has a face value of 20 yuan, dimensions of 145 mm by 70 mm, and is made of plastic with a total issuance of 100 million pieces, including 20,000 for historical records [3] - The front of the banknote features a horse design along with the national emblem and various security features, while the back showcases children celebrating with drums and Mongolian decorative patterns [3]

Core Viewpoint - The People's Bank of China will issue the 2026 New Year commemorative coins and banknotes through a reservation exchange system, with specific details on issuance and exchange procedures outlined [1][2][4]. Group 1: Issuance Details - The 2026 New Year commemorative coin has a face value of 10 yuan, with a total issuance of 100 million pieces, while the commemorative banknote has a face value of 20 yuan, also with a total issuance of 100 million pieces [1]. - The China Construction Bank (CCB) will handle the reservation exchange in 11 regions, including major cities and provinces such as Beijing, Inner Mongolia, and Zhejiang [1]. Group 2: Reservation Arrangement - The reservation period for the 2026 commemorative coin is from January 13, 2026, 22:00 to January 14, 2026, 24:00, while the banknote reservation period is from January 13, 2026, 22:30 to January 14, 2026, 24:00 [2]. - Each customer can reserve only once for each item, with a limit of 20 coins or 20 banknotes per person [2]. Group 3: Verification and Exchange Period - The verification period will take place from January 17 to January 19, 2026, during which the People's Bank of China will verify all reservation records [3]. - The exchange period for successful reservations is from January 20 to January 26, 2026, where customers must present their valid second-generation resident ID for exchange [4]. Group 4: Reservation Channels - Customers can reserve through various online channels, including the CCB international website, mobile portal, personal online banking, and WeChat service accounts [5]. - All online channels will open for reservations before the official start of the reservation period [5]. Group 5: Additional Information - The CCB supports cash, debit cards, and savings books for the exchange, with some branches also supporting digital RMB [8]. - A prepayment feature is available for customers who successfully reserve, allowing them to complete the payment through the CCB mobile banking app [8].

Group 1 - The core announcement is the release plan for commemorative coins in 2026, which includes both ordinary and precious metal coins [1] Group 2 - The ordinary commemorative coin issuance plan for 2026 includes: - One 2026 New Year ordinary commemorative coin - One 2026 New Year commemorative banknote - One ordinary commemorative coin for Wuyi Mountain National Park - One ordinary commemorative coin for Chinese Peking Opera [2] - The People's Bank of China may adjust the ordinary commemorative coin issuance plan based on the needs of promoting socialism, patriotism, and commemorating significant achievements in the country's economic and social development [2] Group 3 - The precious metal commemorative coin issuance plan for 2026 includes 10 projects and 53 varieties, which are: - 2026 version of the Chinese Dragon silver commemorative coin - Wuyi Mountain National Park gold and silver commemorative coin - Guardians of the Earth gold and silver commemorative coin - 2026 auspicious culture gold and silver commemorative coin - National Treasures (Integration and Exchange) gold and silver commemorative coin - Beijing Central Axis gold and silver commemorative coin - Sci-tech Future (Artificial Intelligence) gold and silver commemorative coin - 2027 version of the Panda precious metal commemorative coin - 2027 Chinese Dingwei (Sheep) year precious metal commemorative coin - 2027 New Year gold and silver commemorative coin [3] - The 2026 version of the Panda precious metal commemorative coin, the 2026 Chinese Bingwu (Horse) year precious metal commemorative coin, and the 2026 New Year gold and silver commemorative coin were announced in 2025 [4]

Group 1 - The People's Bank of China plans to issue a total of 1 ordinary commemorative coin and 1 commemorative banknote for the year 2026, along with additional coins celebrating Wuyi Mountain National Park and Chinese Peking Opera [1] - The issuance plan for precious metal commemorative coins includes 10 projects and 53 varieties for 2026, highlighting significant cultural and environmental themes [1] - The issuance plan is subject to adjustments based on the needs of promoting socialism, patriotism, and commemorating the achievements of China's economic and social development [1][2] Group 2 - Specific projects for the 2026 precious metal commemorative coins include the 2026 version of the Chinese Dragon silver coin, Wuyi Mountain National Park gold and silver coins, and the "Guarding the Earth Home" gold and silver coins [1][2] - The detailed specifications for the coins include various shapes, weights, and materials, such as the 31.104 grams for the Chinese Dragon silver coin and 3 grams for the Wuyi Mountain gold coin [3][5] - The 2027 series will also feature a panda precious metal commemorative coin and a coin for the Year of the Sheep, with multiple weight options ranging from 1 kilogram to 3 grams [6]

Core Viewpoint - The People's Bank of China announced the issuance plan for ordinary commemorative coins for the year 2026, which includes various commemorative items to promote socialism and patriotism [1] Group 1: Issuance Plan - In 2026, the issuance plan includes one ordinary commemorative coin for the New Year, one commemorative banknote for the New Year, one ordinary commemorative coin for Wuyi Mountain National Park, and one ordinary commemorative coin for Chinese Peking Opera [1] - The People's Bank of China reserves the right to adjust the issuance plan based on the needs for promoting socialism, patriotism, and commemorating significant achievements in the country's economic and social development [1] - Specific details regarding the issuance will be announced prior to the release [1]

Core Viewpoint - The People's Bank of China announced the issuance plan for ordinary and precious metal commemorative coins for 2026, which is of interest to coin collectors [1] Summary by Category Ordinary Commemorative Coins - In 2026, the People's Bank of China will issue one ordinary commemorative coin for the New Year and one commemorative banknote, along with one ordinary commemorative coin for Wuyi Mountain National Park and one for Chinese Peking Opera [1] Precious Metal Commemorative Coins - The issuance plan includes 10 projects and 53 varieties of precious metal commemorative coins for 2026 [1] - The 10 projects consist of: - 2026 version of the Chinese Dragon silver commemorative coin - Wuyi Mountain National Park gold and silver commemorative coins - Protecting the Earth Home gold and silver commemorative coins - 2026 auspicious culture gold and silver commemorative coins - National Treasures (Integration and Exchange) gold and silver commemorative coins - Beijing Central Axis gold and silver commemorative coins - Sci-tech Future (Artificial Intelligence) gold and silver commemorative coins - 2027 version of the Panda precious metal commemorative coins - 2027 Chinese Dingwei (Sheep) year precious metal commemorative coins - 2027 New Year gold and silver commemorative coins [1] Adjustments and Announcements - The People's Bank of China may adjust the issuance plan for ordinary and precious metal commemorative coins based on the needs of promoting socialism, patriotism, and commemorating the great achievements of China's economic and social development [1] - Specific issuance information will be announced prior to the release [1]