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。按系统重要性得分 从低到高分为五组。其中第一组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。 为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，根据《系统重要性银行评估办 法》，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。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 ...

据央行官网，为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，根据《系统重要性银行评估办法》， 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。 按系统重要性得分从低到高分为五组： 下一步，中国人民银行、国家金融监督管理总局将按照《系统重要性银行附加监管规定（试行）》要求，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。 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。 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； ...

炒股就看金麒麟分析师研报，权威，专业，及时，全面，助您挖掘潜力主题机会！ 为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，根据《系统重要性银行评估办 法》，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。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。 下一步，中国人民银行、国家金融监督管理总局将按照《系统重要性银行附加监管规定（试行）》要 求，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。 新浪声明：此消息系转载自新浪合作媒体，新浪网登载此文出于传递更多信息之目的 ...

Core Viewpoint - The article discusses the tightening of gold-related business by banks in response to recent volatility in gold prices and the upcoming Chinese New Year holiday, highlighting the need for investors to manage risks effectively during this period [3][4][6]. Group 1: Market Conditions - As of February 12, gold prices are experiencing high volatility, with London gold at $5063 per ounce and Shanghai gold at 1123 yuan per gram, while retail prices in major cities reach up to 1556 yuan per gram [3][4]. - The gold market has seen significant fluctuations, with prices peaking above $5600 per ounce at the end of January and then dropping below $4500, indicating a volatility of over 20% within three trading days [6]. Group 2: Bank Responses - Major banks, including China Construction Bank, Industrial Bank, and Bank of Communications, have raised margin requirements and implemented dynamic trading limits on gold transactions to mitigate risks associated with market volatility [4][5][6]. - The minimum investment amounts for gold accumulation products have been increased by several banks, with China Bank raising the threshold from 950 yuan to 1200 yuan, and Construction Bank increasing it to 1500 yuan [5][6]. Group 3: Investor Guidance - Analysts suggest that investors should be cautious about holding positions over the holiday, as the Shanghai Gold Exchange will be closed while international markets remain open, creating a "time difference risk" [6][9]. - For those considering gold as a long-term investment, a strategy of gradual buying and holding is recommended, with a suggested allocation of 5% to 10% of the investment portfolio to gold as a risk hedge [10].

Investment Rating - The investment rating for Minsheng Bank has been upgraded from "Neutral" to "Buy" by UBS [1] Core Insights - The upgrade is based on the bank's valuation being at a deep discount, with a projected price-to-book ratio of only 0.22 times for 2026, compared to 0.47 times for CITIC Bank [1] - UBS believes that the bank will benefit from revenue improvement and that the risks associated with its balance sheet have been largely mitigated, leading to a potential turning point in profitability starting in 2026 [1] - The target price for Minsheng Bank has been slightly adjusted down from HKD 5.43 to HKD 5.30 [1] - The market currently perceives ongoing profit pressure for Minsheng Bank, but UBS argues that the provisioning risks may have peaked [1] - Profitability is expected to stabilize in 2026 and turn to positive growth from 2027 onwards, indicating significant potential for valuation re-rating that could exceed recent weak equity returns [1] - UBS has raised its earnings per share forecast for Minsheng Bank for 2026 to 2029 by 5-6%, while slightly increasing the cost of equity (CoE) to 11.5% due to short-term market volatility [1]

日前，招商银行发布公告称，该行将于4月9日起停止ATM扫码存款服务，后续，客户可持银行卡，通过招商银行ATM或前往该行营业网点办理存 款业务。 近年来，多家银行都在收紧无卡存取款业务。谈及调整此类业务的原因，多家银行表示，是基于优化金融服务、风险管理以及成本效率等方面的 考量。 （原标题：超50家银行宣布暂停各类无卡业务） 你有多久没用过ATM扫码存款了？ 从用户角度来看，随着移动支付的兴起，现金使用频率降低，银行相继关闭ATM二维码存款功能，与保护客户资金安全、相关功能使用起来较为 繁琐等多种原因有关。 近一年来，超50家银行暂停各类无卡业务 据不完全统计，近一年来已经有超过50家银行机构宣布，停止无卡存款、无卡取款、扫描取款等各类业务。 去年三、四月份，多家国有大行率先作出调整 比如，工商银行率先表示，其个人手机银行无卡取现功能已于去年4月17日起暂停服务，客户可通过ATM机手机银行扫码取现功能提取现金，或 在ATM机上插卡提现。 交通银行随后发布公告称，于2024年5月24日起停止个人手机银行无卡取款功能中的预约取款服务。客户仍可通过交通银行智能机具办理有卡取 款、扫码取款或前往银行营业网点办理取款业务 ...

Core Viewpoint - Increasing number of banks are adopting mid-year dividend plans, with 17 A-share listed banks planning to implement mid-year dividends for 2024, reflecting a shift towards more frequent cash distributions to investors [1][2][3] Group 1: Mid-Year Dividend Plans - CITIC Bank has expressed its intention to implement a mid-year dividend for 2024, following the lead of Minsheng Bank, marking it as the second shareholding bank to announce such plans [2] - As of July 4, 2023, 17 out of 42 A-share listed banks have decided to implement mid-year dividends for 2024, with six major state-owned banks already having made arrangements [2][3] - The mid-year dividend plans are part of a broader trend among banks to enhance investor returns and improve liquidity [1][4] Group 2: Regulatory Influence - The Chinese government has introduced policies to strengthen cash dividend regulations, encouraging companies to adopt stable and predictable dividend policies, including multiple distributions within a year [4][5] - The new regulations aim to enhance the frequency of dividends, aligning domestic banks with international practices where dividends are distributed more frequently [5] Group 3: Impact on Investor Sentiment - Increased dividend frequency is expected to enhance investor confidence and attract more investments, as it reflects banks' profitability and commitment to shareholder returns [3][5] - Analysts suggest that mid-year dividends can serve as a sign of banks' confidence in their earnings and can improve investor sentiment towards bank stocks [3][5] Group 4: Considerations for Banks - Banks need to balance dividend payouts with their profitability, capital adequacy, and risk management capabilities to ensure sustainable operations [5][6] - There is a need for banks to improve internal governance and operational efficiency to better serve the real economy while managing dividend policies [6]

格隆汇2月11日｜瑞达期货公告，全资子公司瑞达置业为瑞达新控向民生银行厦门分行申请5000万元授 信额度提供连带责任保证担保。瑞达新控注册资本7.5亿元，2024年末资产总额18.51亿元，负债总额 8.96亿元，净资产9.55亿元；2024年度营业收入8.15亿元，净利润1.36亿元。担保总额度为11.76亿元， 实际担保余额4.06亿元，占公司净资产的14.05%。 ...

Group 1 - The company announced that starting from February 11, 2026, investors can open accounts, subscribe, redeem, and perform regular investment and conversion operations for certain funds through Chuangjin Qifu [1] - The company has signed a supplementary sales agreement with Beijing Chuangjin Qifu Fund Sales Co., Ltd. to enhance service offerings to investors [1] - Investors can enjoy fee discounts when subscribing or performing regular investment and conversion operations through Chuangjin Qifu, with the specifics determined by Chuangjin Qifu [2] Group 2 - The company will suspend subscription, conversion, and regular investment operations for the Ping An Jin Guanjia Money Market Fund from February 12 to February 23, 2026, while redemption and conversion out operations will continue [4][6] - The Ping An Zhongzheng Interbank Certificate of Deposit AAA Index 7-Day Holding Period Securities Investment Fund will also suspend similar operations during the same period [8][10] - The company will resume these operations on February 24, 2026, and will not issue further announcements regarding this resumption [4][8] Group 3 - The company has appointed Fangzheng Securities Co., Ltd. as a liquidity service provider for the Ping An Hang Seng Hong Kong Stock Connect Technology Theme ETF, effective February 11, 2026 [12] - The company has announced the establishment of the Ping An New Sharp Quantitative Stock Selection Mixed Fund, with the fund contract becoming effective on February 11, 2026 [21][22] - The company will handle subscription and redemption operations for the new fund within three months of the fund contract's effectiveness [22]

2026.02. 10 业内普遍认为，在净息差收窄、运营成本承压的背景下，银行正通过精细化管理压降费用，并引导客 户向App、公众号等数字化渠道迁移。 本文字数：2414，阅读时长大约4分钟 作者 | 第一财经 陈君君 银行账户动账短信这一曾被视为"基础服务"的功能，正在加速变化。 2025年以来，多家银行陆续上调免费动账短信的起点金额，小额交易不再触发短信提醒；若客户仍 有需求，则需按月付费。近期，招商银行更将免费短信通知门槛抬升至5000元，进一步引发市场关 注。 "免费门槛"不断抬升 从"笔笔必达"到"有门槛可选"，动账短信通知正在从普惠服务转向分级供给。 招商银行公告称，3月16日起，该行将优化账户变动短信通知服务。根据公告，该行对未开通账户变 动短信通知服务的客户， 将不再发送单笔5000元（含）以下、经人民银行大小额系统汇入的交易通 知短信 。 从采购价格看，银行短信服务仍需按条向运营商或服务商付费。四川银行近期披露的《2026年短信 发送服务采购项目》显示，其自有10698码号代理结算单价最高限价为0.05元/条，SP服务提供商 短信码号发送单价最高限价为0.032元/条。 江苏银行披露的采购项 ...