Group 1 - The core point of the article is that China Merchants Bank Co., Ltd. has obtained a patent for a method related to bitmap-based test data query, indicating its focus on innovation and technology development [1] - The patent was granted with the announcement number CN116991899B, and the application date was August 2023 [1] - China Merchants Bank, established in 1987 and located in Shenzhen, primarily engages in monetary financial services, with a registered capital of approximately 25.22 billion RMB [1] Group 2 - According to data from Tianyancha, China Merchants Bank has made investments in 15 companies and participated in 5,000 bidding projects [1] - The bank holds 1,330 trademark registrations and 2,307 patent records, showcasing its extensive intellectual property portfolio [1] - Additionally, the bank possesses 433 administrative licenses, reflecting its compliance and operational capabilities [1]

来源：财经众议院 2月10日，最高检官网发布消息，招商银行原副行长王庆彬被提起公诉。 出生于1956年12月的王庆彬，今年已近70岁，在落马"金融虎"中仅次于70岁被查的蔡鄂生。 财经众议院注意到，王庆彬被查和被公诉时，其头衔为"招商局融资租赁有限公司原党委书记、董事 长"，但其涉罪事实均发生在其任职招商银行期间，未涉及招商局融资租赁有限公司以及更早时期的中 国建设银行。 王庆彬2025年9月被查时，已经卸任招商银行副行长9年，卸任招商局融资租赁有限公司董事长4年。 但王庆彬曾执掌招商银行济南分行、北京分行、上海分行，再加之担任总行行长助理和副行长，在招行 体系内可谓位高权重。 检察机关起诉指控：被告人王庆彬利用担任招商银行济南分行行长、北京分行行长、总行副行长等职务 上的便利，为他人在贷款授信、贷款审批、员工招聘等事宜上提供帮助，非法收受他人财物，数额特别 巨大，依法应当以受贿罪追究其刑事责任。 资料显示，王庆彬1956年12月出生，其职业生涯起步于建设银行系统，早年任职于建设银行，曾任建设 银行山东省分行综合计划处副处长、处长，济南分行行长，建设银行山东省分行副行长兼济南分行行 长。 2000年5月，王庆 ...

【导读】3年定存利率最高达1.8%！春节将至，各家银行开展"压岁钱"专属服务中国基金报记者 马嘉昕 新春佳节，是小朋友们最开心收"压岁钱"的时刻。多家银行紧随节日步伐，推出针对儿童和青少年群体 的专属账户、"压岁钱"储蓄计划等创新金融服务，并在相关存款利率上给予一定"优惠"。 多家银行瞄准"压岁钱"开展专属服务 2月10日，记者在招商银行手机银行App上看到，该行在春节期间针对"压岁钱"在"热门活动"界面推出了 专属直达路径，还有多款亲子账户、专属存款服务等。 招商银行宣传页面显示，该行上线了"金小葵"管家服务，为客户提供亲子账户，并包含"宝贝银行卡管 理"和"家长教育专项账户"两大功能，可帮助孩子管理银行卡，在家长名下为子女创建专属账户，实现 专款专用。同时，为了吸引客户参与，在1月至3月期间，金卡M1及以上客户只要在专属账户存款5万 元，就有机会抽奖。同时，在存款利率方面，该行一年期存款年化利率为1.3%，两年期存款利率为 1.4%，存款利率均较普通存款利率有一定提升。 值得注意的是，在招商银行推出的"金小葵"管家服务中，"压岁钱"的规划方向不仅有儿童黄金系列产 品，还有3年期利率存款产品以及教育金和婚嫁 ...

新春佳节，是小朋友们最开心收"压岁钱"的时刻。多家银行紧随节日步伐，推出针对儿童和青少年群体的专属账户、"压岁 钱"储蓄计划等创新金融服务，并在相关存款利率上给予一定"优惠"。 多家银行瞄准"压岁钱"开展专属服务 中国基金报记者马嘉昕 2月10日，记者在招商银行手机银行App上看到，该行在春节期间针对"压岁钱"在"热门活动"界面推出了专属直达路径，还有多 款亲子账户、专属存款服务等。 【导读】3年定存利率最高达1.8%！春节将至，各家银行开展"压岁钱"专属服务 从传统"揽储"向深化客户服务体验转型 记者观察到，近年来，各家银行不断加大对"压岁钱"揽储的营销力度，模式也从单一的"储蓄吸储"向构建"账户+教育+陪伴"的 全周期儿童金融服务体系转型，在专属产品的营销设计上更为贴合客户需求，并且以差异化的创新服务方式增强客户黏性。 招商银行宣传页面显示，该行上线了"金小葵"管家服务，为客户提供亲子账户，并包含"宝贝银行卡管理"和"家长教育专项账 户"两大功能，可帮助孩子管理银行卡，在家长名下为子女创建专属账户，实现专款专用。 同时，为了吸引客户参与，在1月至3月期间，金卡M1及以上客户只要在专属账户存款5万元，就有机 ...

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]

Fund Overview - The fund is named "Pengyang Multi-Asset Balanced Three-Month Holding Period Mixed Fund of Funds (ETF-FOF)" and is registered with the China Securities Regulatory Commission (CSRC) [1] - The fund operates as a contract-based, open-end mixed fund of funds (FOF) [2] - The initial face value and subscription price for both A and C class fund shares are set at 1.00 RMB [17] Subscription Details - The subscription period for the fund is from March 2, 2026, to April 30, 2026, with a maximum fundraising period of three months [4][19] - The maximum initial fundraising scale is set at 8 billion RMB, and if the subscription amount exceeds this limit, a proportional allocation method will be used [4][5] - Investors can subscribe through direct sales institutions or designated sales agencies, with specific minimum subscription amounts depending on the method used [19][21] Fund Share Classes - The fund has two classes of shares: A class, which charges a subscription fee, and C class, which does not charge a subscription fee [7][15] - A class shares have a maximum subscription fee rate of 0.50%, which decreases with the increase in subscription amount [22] Holding Period and Redemption - The defined holding period for the fund is three months, during which investors cannot redeem or convert their shares [3][9] - After the holding period, investors can apply for redemption or conversion [3] Investor Eligibility - The fund is open to individual investors, institutional investors, qualified foreign investors, and other investors permitted by laws and regulations [4][18] Fund Management and Custody - The fund is managed by Pengyang Fund Management Co., Ltd., and the custodian is China Merchants Bank Co., Ltd. [3][47]

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 ...

Investment Rating - The report maintains a "Buy" rating for several financial institutions including China Merchants Bank and Ningbo Bank, and a "Hold" rating for others like GF Securities and Dongfang Securities [9]. Core Insights - The report highlights a net outflow of 1.01 trillion yuan from broad-based ETFs in January 2026, indicating increased market volatility and a shift in investor sentiment towards high-quality financial stocks [1][3]. - The overall market for wealth management products saw a decrease in issuance, with 2,728 new products launched in January 2026, down 10.4% month-on-month, while the average yield for these products increased to 3.62%, up 177 basis points from the previous month [2][15]. - The report emphasizes the importance of the newly implemented performance benchmark guidelines for public funds, which aim to strengthen the alignment of interests between fund managers and investors [3][15]. Summary by Sections Wealth Management Products - In January 2026, the total issuance of wealth management products was 2,728, a decrease of 10.4% from December, while the total market size for these products was 31.57 trillion yuan, showing a slight decline [2][16]. - The average yield for wealth management products increased to 3.62%, reflecting a positive trend in returns despite the decrease in issuance [2][15]. Public Funds - The public fund market saw a 6% increase in new issuance in January, but the total market size decreased to 36.30 trillion yuan, down 1.24% month-on-month [3][15]. - The net asset value of ETFs fell to 5.46 trillion yuan, with a significant outflow of 1.01 trillion yuan from broad-based ETFs [3][15]. Private Funds - As of December 2025, the total size of private fund products reached 22.15 trillion yuan, with a month-on-month increase of 0.27% [5][15]. - The report notes a strong growth in the registration of private securities investment funds, which increased by 157% year-on-year [5][15]. Insurance Asset Management - By the end of Q3 2025, the balance of insurance funds reached 37.46 trillion yuan, reflecting a year-on-year increase of 17% [6][15]. - The report indicates a rising trend in the allocation of insurance funds to equities, with a notable increase in stock investment ratios [6][15]. Securities Asset Management - The size of securities asset management reached 6.37 trillion yuan by the end of Q3 2025, with a quarter-on-quarter increase of 4% [4][15]. - New issuance in January 2026 amounted to 77.42 billion units, representing a 20% increase from the previous month [4][15]. Trust Industry - The trust industry reported an asset size of 32.43 trillion yuan as of June 2025, marking a 10% increase since the beginning of the year [7][15]. - In January 2026, 1,377 trust products were issued, totaling 110.5 billion yuan, which is a 15% month-on-month increase [7][15].

Group 1 - The core point of the article is that China Merchants Bank has obtained a patent for a method and device for calculating queue numbers, with the patent granted on July 2023 [1] - China Merchants Bank, established in 1987 and located in Shenzhen, primarily engages in monetary financial services, with a registered capital of approximately 25.22 billion RMB [1] - The bank has made investments in 15 companies, participated in 5,000 bidding projects, and holds 1,330 trademark registrations and 2,305 patents, along with 433 administrative licenses [1]

智通财经记者 | 安震 智通财经注意到，近期多家银行发布了理财产品降费公告。 2月10日，仅招商银行官网，就挂出了6则理财产品费率优惠公告。Wind数据显示，以"费率优惠"搜索理财产品公告，近一个月，相关公告超过1300条。降 费范围覆盖固定收益类、现金管理类等主流理财产品，零费率、近零费率产品持续扩容。 业内人士认为，在"存款搬家"的大背景下，理财产品降费是市场竞争和客户需求叠加的结果，但根本上，理财子公司仍然需要提供更加符合客户需求的产 品。 理财产品降费，部分产品"零费率" 从规模较大的国有大行理财子公司来看，中银理财今年以来已先后发布了数十条产品费率优惠的公告，涉及固定管理费率、销售服务费率等多个费种。 在2月2日至3月2日期间，中银理财对旗下一款机构专属理财产品进行费率优惠，其中，该产品固定管理费率由0.15%（年化）下调至0.10%（年化）；产品A 份额销售服务费率由0.30%（年化）下调至0.10%（年化）。 而股份制银行中，以招商银行一款理财产品为例，这款90天的固定收益类理财产品优惠前年化固定投资管理费为0.15%，优惠后年化费率仅为0.01%，优惠 时间从2月14日至3月14日。 光大理财 ...