经济观察网 近期银行业热点集中在2025年四季度监管数据及2026年1月金融数据发布。2026年2月14 日，金融监管总局发布4Q25银行业数据，显示商业银行净利润同比增长2%，单季增速达12%，主要受 城农商行低基数推动；净息差稳定在1.42%，同比降幅收窄至11bp。2026年1月社融增量创历史同期新 高至7.22万亿元，直接融资同比多增3228亿元，居民短贷需求改善（同比多增1594亿元），反映消费政 策提振效应。此外，中英金融工作组首次会议达成多项合作成果，或增强金融市场互联互通预期。 机构观点 西部证券2月15日报告指出，2026年银行息差有望趋势企稳，净利息收入复苏或驱动估值修复，优质城 商行和股份行弹性较强。华创证券同日分析认为，存款活化及信贷结构优化将支撑银行业绩，建议关 注"红利+成长"双主线，如中信银行等财富管理业务突出的股份行。中金公司2月14日点评预计，2026年 商业银行息差降幅进一步收窄，净利息收入增速可能接近5%。 以上内容基于公开资料整理，不构成投资建议。 股票近期走势 中信银行A股（601998.SH）最新交易数据更新至2026年2月13日（春节休市前），收盘价7.34元，单 ...

据经济观察报-经济观察网 2025年，中国手机银行用户规模见顶，行业从增量获取转入存量提升，金融 机构需极致效率与精准生态才能生存。艾瑞咨询报告显示，在存量博弈中，股份制银行选择差异化生存 路径，头部效应显著。招商银行以7185.4万MAU稳居股份制银行首位，超越部分国有大行，得益于其 在财富管理与智能交互领域的深耕。平安银行与中信银行构成第二梯队，MAU维持在2000万至3000万 区间，前者通过AI重构服务链路，后者依托消费生态整合。民生银行、光大银行等第三梯队及之后机 构，MAU滑落至1000万至2000万区间，生存空间逼仄。地方银行中，深耕本地的机构逆势增长。城商 行如江苏银行、北京银行等，MAU稳定在300万以上；农商行与农信社中，福建农信等MAU突破450 万，占据县域与农村流量腹地。民营银行处境严峻，2025年TOP50榜单几近绝迹，因缺乏线下网点、本 地生活生态，且获客成本高，在手机银行赛道失去竞争力。存量时代，生态与区域能力成为制胜关键。 ...

据经济观察报-经济观察网 2025年，中国手机银行市场进入存量竞争阶段，月度总独立设备数在6.48亿至7.39亿区间筑底企稳。国有大型商业银行凭借生态 嵌入优势占据主导地位，农业银行以2.49亿MAU位居榜首，工商银行(1.94亿)和建设银行(1.09亿)位列第二、三位，形成第一梯队。中国银行和邮储银行 MAU超过5000万，构成第二梯队。国有大行的核心优势在于"全域场景融合"能力，将服务深度嵌入政务、社保、医疗、教育等高频生活场景。农行通过智 能服务匹配与客群定制延伸至县域与乡村，工行则依托"工小智"大模型实现"对话式办理"的交互革命。相比之下，民营银行在2025年集体退出月活TOP50榜 单，因缺乏线下网点支撑和本地生活生态，在存量市场中失去竞争力。股份制银行中，招商银行以7185.4万MAU领先，平安银行和中信银行构成第二梯 队，而其他股份制银行MAU普遍低于2000万。区域银行中，深耕本地的江苏银行、北京银行和宁波银行表现稳定，福建农信等农商行MAU突破450万，证 明本地化深耕在存量市场中更具可持续性。 | 序号 | APP名称 | 2025年平均MAU (万) | | --- | --- | -- ...

作者 胡群 艾瑞咨询近日发布的《2025年中国手机银行APP监测报告》（下文简称"报告"）显示，中国手机银行月度总独立设备数在6.48亿至7.39亿区间波动后筑底企 稳，用户规模天花板正式显现。持续十余年的流量红利期宣告终结，行业逻辑从增量获取全面转入存量提升，任何依赖粗放式获客的增长模式均已失效。 伴随规模见顶，用户行为发生结构性逆转。单机单日有效使用时长从2023年的4.9分钟下探至2025年中的2.7分钟左右，随后在2025年下半年稳定在约3分钟附 近，高频、短时、功能型使用成为主流。这一趋势倒逼金融机构砍掉低效模块、精简操作流程，将资源集中于核心交易场景。在这场存量博弈中，唯有极致 效率与精准生态者方能生存，否则将被迅速边缘化。 从TOP50总榜单来看，排名首位的中国农业银行突破以月均2.49亿MAU位居榜首；工商银行和建设银行两家国有大行实现MAU超1亿，分别以1.94亿和1.09 亿MAU位列第二、第三位。中国银行、招商银行、邮储银行排名第四至六位，分别为8881.6万、7185.4万和5324.4万。排名靠前第七至第十位的交通银行、 平安口袋银行、中信银行和民生银行MAU大体在1500—3500 ...

Group 1: Gold Market Prices - As of February 16, 2026, the domestic gold market shows a mixed trend with a real-time trading price of 1119 CNY per gram and a basic gold price set at 1125 CNY per gram [1] - The price range for jewelry brand gold products is between 1300-1579 CNY per gram, with major brands like Chow Tai Fook and Luk Fook uniformly priced at 1529 CNY per gram, while Lao Feng Xiang is slightly higher at 1548 CNY per gram [2] - The Shanghai Gold Exchange reports that the AuT D contract price is 1108.50 CNY per gram, down 1.47% from the previous day, and the Au9999 contract is at 1109.00 CNY per gram, with a decline of 1.20% [2] Group 2: Bank Gold Bar Pricing - Major banks are quoting investment gold bars in the range of 1121-1145 CNY per gram, with differences attributed to handling fees and brand premiums [4] - Among state-owned banks, Industrial and Commercial Bank of China is at 1143.43 CNY per gram, and China Construction Bank at 1141.30 CNY per gram, while joint-stock banks are slightly lower [5] - China Gold and Cai Bai Jewelry report prices of 1139 CNY per gram and 1137 CNY per gram respectively, while jewelry brands like Chow Tai Fook and Lao Feng Xiang have gold bar prices reaching 1342-1403 CNY per gram, exceeding bank channel prices [6] Group 3: Investment Case Studies - Investor Xue Di, with a strategy of gradual accumulation since 2023, turned an initial capital of 2.8 million CNY into over 5.6 million CNY by January 2026, emphasizing gold's value preservation [8] - In contrast, investor Shi Yue faced losses after buying at a high of 1200 CNY per gram, leading to an average cost of 1185.73 CNY per gram and a significant weekly loss [8] - Investor Tian Rui missed the opportunity to purchase gold at 553 CNY per gram in 2023, now facing much higher prices, highlighting the importance of timing in investment success [8] Group 4: Pricing Power Shift and Supply Variables - Since 2025, the pricing logic of gold has undergone structural changes, moving from a negative correlation with U.S. Treasury real interest rates to a new model influenced by global debt levels and central bank gold purchases [9] - In 2025, global gold demand reached a record high of 5002 tons, with central bank purchases of 863 tons stabilizing the market, indicating a shift in the pricing system towards a tripartite structure involving Asian demand, North American demand, and central bank purchases [9] - Supply dynamics are also changing, as seen in Ghana, where gold production reached a record 6 million ounces in 2025, with artisanal mining surpassing large commercial mines, indicating a surge in informal supply channels [10] Group 5: Consumer Awareness and Investment Strategies - Consumers are advised to be cautious of "one-price" gold products that may not clearly indicate weight, potentially leading to high per-gram prices upon resale [12] - For genuine investors, transparency is crucial, with institutions like China Construction Bank and Agricultural Bank of China offering gold bars at only a slight premium over market prices, making them preferable for risk-averse investments [12] - The strategic reserve demand from global central banks, alongside U.S. monetary policy expectations and geopolitical risk factors, supports high gold prices, emphasizing the distinction between jewelry and investment-grade gold [12]

Group 1 - The People's Bank of China and the National Financial Regulatory Administration have conducted an assessment for the 2025 systemically important banks, identifying 21 domestic banks as systemically important, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1][3] - The list aims to establish a comprehensive macro-prudential management system and strengthen the regulation of systemically important financial institutions [2] Group 2 - Systemically important banks in China are categorized into five groups based on their importance scores, with the first group consisting of 11 banks, the second group having 4 banks, the third group with 2 banks, the fourth group containing 4 banks, and no banks in the fifth group [3] - The People's Bank of China plans to enhance the combined effect of macro-prudential management and micro-prudential regulation, continuing to solidify additional supervision for systemically important banks to promote their safe and sound operation and better serve the high-quality development of the real economy [3]

Group 1 - Aixin YuanZhi Semiconductor Co., Ltd. has established a long-term strategic partnership with CITIC Bank Chongqing Branch to innovate AI applications in the financial sector, focusing on smart risk control and service optimization [1][2] - Aixin YuanZhi's self-developed mixed-precision NPU and multi-core AI processors offer high computing power, low power consumption, and strong perception, achieving large-scale applications in smart cities, intelligent transportation, and consumer electronics [1] - The company went public on the Hong Kong Stock Exchange on February 10, further solidifying its technical strength and market prospects, which supports its strategic collaboration with financial institutions [1] Group 2 - The collaboration between CITIC Bank Chongqing Branch and Aixin YuanZhi represents a deep exploration of building an "AI + finance" ecosystem, aiming to provide reliable and efficient intelligent solutions tailored to financial scenarios [2] - Both parties will form a joint project team to explore AI applications in inclusive finance, supply chain finance, and digital operations, creating a model for smart financial solutions in the industry [2] - The partnership is expected to enhance CITIC Bank's competitive edge in regional finance through the integration of cutting-edge AI technology, contributing to the acceleration of local economic development [2][3]

Core Viewpoint - The People's Bank of China has conducted an assessment of systemically important banks for 2025, identifying 21 domestic banks categorized into five groups based on their systemic importance scores [1] Group 1: Assessment Overview - The assessment is part of a broader effort to establish a comprehensive macro-prudential management system and strengthen the regulation of systemically important financial institutions [1] - The evaluation was carried out in collaboration with the National Financial Regulatory Administration [1] Group 2: Classification of Banks - A total of 21 banks were recognized as systemically important, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1] - The banks are divided into five groups based on their systemic importance scores: - Group 1: 11 banks including China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Jiangsu Bank, Beijing Bank, Nanjing Bank, Guangfa Bank, Zheshang Bank, and Shanghai Bank [1] - Group 2: 4 banks including Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, and China Postal Savings Bank [1] - Group 3: 2 banks including Bank of Communications and China Merchants Bank [1] - Group 4: 4 banks including Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China [1] - Group 5: No banks were classified in this group [1]

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have conducted an assessment of systemically important banks for 2025, identifying 21 domestic banks categorized into five groups based on their systemic importance scores [1]. Group 1: Assessment of Systemically Important Banks - A total of 21 banks have been recognized as systemically important, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1]. - The banks are divided into five groups based on their systemic importance scores, with the first group containing 11 banks, the second group 4 banks, the third group 2 banks, the fourth group 4 banks, and the fifth group having no banks [1]. Group 2: Breakdown of Banks by Group - **First Group (11 banks)**: Includes China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Jiangsu Bank, Beijing Bank, Nanjing Bank, Guangfa Bank, Zheshang Bank, and Shanghai Bank [1]. - **Second Group (4 banks)**: Includes Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, and China Postal Savings Bank [1]. - **Third Group (2 banks)**: Includes Bank of Communications and China Merchants Bank [1]. - **Fourth Group (4 banks)**: Includes Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China [1]. - **Fifth Group**: No banks are included in this group [1]. Group 3: Future Regulatory Actions - The People's Bank of China and the National Financial Regulatory Administration will implement additional regulatory measures for systemically important banks according to the "Regulations on Additional Supervision of Systemically Important Banks (Trial)" [1]. - The aim is to enhance the synergy between macro-prudential management and micro-prudential supervision, ensuring the safe and sound operation of systemically important banks and better supporting the high-quality development of the real economy [1].

记者2月13日从中国人民银行获悉，近期中国人民银行、国家金融监督管理总局开展了2025年度我国系统重要性银行评估， 认定21家国内 系统重要性银行，其中国有商业银行6家，股份制商业银行10家，城市商业银行5家。 名单旨在构建覆盖全面的宏观审慎管理体系，强化系统重要性金融机构监管。 据介绍，中国系统重要性银行按系统重要性得分从低到高分为五组： 第一组11家，包括中国民生银行、中国光大银行、平安银行、华夏银行、宁波银行、江苏银行、北京银行、南京银行、广发银行、浙商银 行、上海银行； 第二组4家，包括兴业银行、中信银行、浦发银行、中国邮政储蓄银行； 第三组2家，包括交通银行、招商银行； 第四组4家，包括中国工商银行、中国银行、中国建设银行、中国农业银行； 第五组暂无银行进入。 中国人民银行相关人士表示，下一步，中国人民银行、国家金融监督管理总局将发挥好宏观审慎管理与微观审慎监管合力，持续夯实系统 重要性银行附加监管，促进系统重要性银行安全稳健经营和健康发展，更好服务实体经济高质量发展。 来源：新华社 记者：任军、吴雨 关注" 新华网财经 "视频号 更多财经资讯等你来看 往期推荐 多家银行，上调存款利率 雷 军：春 ...