来源：中国农业银行 骏马踏春至，祥云贺岁来。2月11日，在新春佳节即将到来之际，农业银行总行机关举办新春团拜会。 董事长、党委书记谷澍代表总行党委向离退休老领导、老同志以及全行广大干部员工致以新春问候和美 好祝福。农业银行在京党委成员、董事等出席会议。 谷澍在致辞中指出，2025年是很不平凡的一年。全行以习近平新时代中国特色社会主义思想为指导，深 入贯彻党的二十届四中全会精神，圆满完成全年目标任务，高质量发展迈出新的坚实步伐。农业银行始 终牢记习近平总书记嘱托，扎实做好支农助农金融服务，"三农"金融服务的成色更足；牢牢把握"防风 险、促高质量发展"工作主线，"十四五"规划圆满收官，农行事业始终保持高质量发展良好态势；广大 干部员工迎难而上、拼搏奉献，全行干事创业的氛围更加浓厚，特别是总行机关各部门为基层减负赋能 更加给力。 谷澍强调，过去一年，农业银行的发展，凝结着全行干部员工的心血和汗水，也离不开广大老领导、老 同志的关心和支持，衷心感谢老干部们为农行高质量发展作出的巨大贡献。新的一年，希望广大干部员 工以更高标准、更强本领、更实举措、更平心态，奋力书写"十五五"农行高质量发展新篇章。 团拜会上，总行机关员 ...

（来源：票风笔记） 一、银票承兑总体情况 根据qeubee对四大类银行中银票承兑余额前100名银行的统计，2026年1月末，排名靠前的100家银行银票承兑余额合计16.95万亿元，较 上年末减少2379亿元，较上年末下降1.4%，占全市场银票承兑余额的93%。股份制银行、国有大行、城商行为银票承兑的三大主力， 农商行占比相对偏低。 分银行类型来看，2026年1月，四大类银行中，国有大行是唯一银票承兑余额增长的银行类型，较上年末增长1.8%；其余三类银行皆为 负增长，股份制银行、城商行、农商行分别较上年末下降3.4%、2.1%、6.0%。 | qeubee | | 2026年1月四类型银行银票承兑余额变化 | 单位: 万亿元 | | --- | --- | --- | --- | | 银行类型 | 样本银行数量 | 银票承兑余额 | 较上年末变化 | | 国有大行 | 6 | 5.93 | 1.8% | | 股份制银行 | 12 | 6.68 | -3.4% | | 城商行 | 68 | 3.98 | -2.1% | | 衣商行 | 14 | 0.36 | -6.0% | | 合计 | 100 | 16.95 ...

近日，江苏金融监管局披露发布行政处罚信息，对中国农业银行股份有限公司宝应县支行作出行政处罚。 行政处罚信息显示，因违规发放存单质押贷款，中国农业银行股份有限公司宝应县支行被扬州金融监管分局处以"罚款50 万元"的行政处罚。 行政处罚信息显示，因违规发放存单质押贷款，中国农业银行股份有限公司宝应县支行被扬州金融监管分局处以"罚款50 万元"的行政处罚。 行政处罚信息原文： | 序 | 当事人名 | 行政处罚决 | 主要违法违规行为 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | 름 | 称 | 定书文号 | | 内容 | 机关 | | | 中国农业 有限公司 | 〔2025〕 47 | | 罚款50万 元 | 扬州金融 | | | 银行股份 | 扬金罚决字 | | | | | 1 | | | | | | | | 宝应县支 | 를 | | | 监管分局 | | | 行 | | | | | | | 龚杰(任 中国农业 | | 违规发放存单质押贷 款 | | | | | 银行股份 | 扬金罚决字 | | | | | 2 | 有限公司 | 〔2025〕 4 ...

Core Viewpoint - The recent implementation of the "Private Investment" guarantee plan aims to enhance credit support for private investments, stimulate private sector activity, and address financing challenges faced by small and medium-sized enterprises (SMEs) [1][2] Group 1: Government Initiatives - The Ministry of Finance and three other departments have jointly issued a notice to implement a special guarantee plan for private investment [1] - The Shanghai Financing Guarantee Center quickly launched a specialized product plan for "private investment" guarantees under the guidance of the National Financing Guarantee Fund [1] Group 2: Financial Products and Services - The "Private Investment" guarantee product focuses on medium to long-term financing for SMEs, with a maximum loan amount of 20 million yuan and a compensation rate of up to 5% [2] - The guarantee fee is set at only 0.5% per year, covering various operational needs such as technological upgrades and expansion in sectors like catering, elderly care, and green digital initiatives [2] Group 3: Impact on SMEs - The first loan under the private investment guarantee plan was successfully issued by Agricultural Bank of China Shanghai Branch, addressing the financing needs of a company expanding its smart home business [1][2] - The initiative aims to alleviate the financing difficulties faced by SMEs and agricultural entities, enhancing the breadth and depth of support for these groups [2] Group 4: Future Plans - The Agricultural Bank of China Shanghai Branch plans to expand the coverage of the private investment guarantee business and explore innovative service models such as "guarantee + supply chain financing" [2] - The focus will be on key areas like technological innovation, green development, and consumer services to facilitate the effective implementation of various government policies aimed at supporting enterprises [2]

Core Viewpoint - A new round of deposit interest rate cuts has begun, with major banks reducing rates on large-denomination certificates of deposit (CDs), indicating a shift in the banking sector aimed at alleviating interest margin pressure and better serving the real economy [1][5]. Group 1: Interest Rate Changes - Major state-owned banks have lowered the annualized interest rates on 1-month and 3-month large-denomination CDs to below 1%, with some products seeing a maximum reduction of 35 basis points [1][2]. - The latest rates for China Bank's CDs are 0.9% for 1-month and 3-month terms, and 1.1% for 6-month terms, marking a significant decrease from previous rates [2][3]. - Other banks, including Industrial and Agricultural Banks, have also reduced their 1-month and 3-month CD rates to 0.9% [4]. Group 2: Implications for Banks and Investors - The reduction in deposit rates is expected to help stabilize banks' net interest margins, which have been under pressure, as evidenced by a 9 basis point decline to 1.43% in the first quarter of this year [5][6]. - Analysts suggest that investors should adjust their expectations for investment returns and consider a diversified asset allocation strategy, including cash management products and government bonds, in light of declining deposit rates [6].

Core Viewpoint - The banking sector experienced a volatile afternoon with notable gains, particularly for several banks including Qingdao Bank, Qilu Bank, Nanjing Bank, Zijin Bank, Chongqing Rural Commercial Bank, and Agricultural Bank, which all saw increases in their stock prices [1] Group 1 - Qingdao Bank rose nearly 2% [1] - Qilu Bank, Nanjing Bank, Zijin Bank, Chongqing Rural Commercial Bank, and Agricultural Bank all increased by over 1% [1]

Core Viewpoint - The integration of financial technology is essential for the high-quality development of the financial industry, serving as a critical driver to address the challenges posed by the "five major articles" in finance [3][5][6]. Group 1: Financial Technology Development - The meeting organized by the Financial Times focuses on the innovative breakthroughs and practical applications of financial technology, showcasing how digital technology enhances the quality and efficiency of financial services [1]. - Financial technology is no longer an optional enhancement but a necessary component for the sustainable development of the financial sector, as emphasized by the recent Central Financial Work Conference [3][5]. - The Financial Times has been a key player in promoting financial discourse and collaboration within the industry since its inception in 1987, aiming to build an efficient communication platform [3][4]. Group 2: Industry Collaboration and Experience Sharing - The event aims to foster collaboration and experience sharing among industry leaders, including representatives from major banks like ICBC, ABC, and CCB, who presented successful applications of financial technology [5]. - The Financial Times plans to leverage its media capabilities to report comprehensively on the event, ensuring that innovative practices are recognized and can be replicated across the industry [5][6]. Group 3: Specific Bank Initiatives - ICBC is developing a comprehensive AI-driven financial model called "工银智涌," which aims to integrate AI with financial services, enhancing productivity and supporting the "five major articles" in finance [10][12]. - ABC has initiated a digital transformation strategy focusing on a data-driven enterprise architecture to improve service quality and operational efficiency, addressing key challenges in the financial sector [16][19]. - CCB is building an integrated service system for technology finance, emphasizing collaboration across its branches and subsidiaries to support technology-driven enterprises [21][23]. - PSBC is innovating its credit granting process through a data-driven approach, enhancing its service capabilities in rural finance and supporting the national strategy for rural revitalization [26][28]. - CITIC Bank is focusing on creating a digital ecosystem for inclusive finance, addressing the unique needs of small and micro enterprises through innovative product offerings and risk management solutions [30][32].

数智化转型是金融行业立足金融工作的政治性和人民性、加快推进金融强国建设、做好金融"五篇 大文章"的战略使命与核心任务。作为服务实体经济、助力乡村全面振兴的金融主力军，农业银行深刻 把握数智化发展时代趋势，将数智化转型作为推动业务流程重塑、实现高质量发展的必然选择，自2019 年启动数智化转型工作以来，探索形成数智驱动的企业级业务架构建设实践路径，以数智化赋能金融服 务质效全面提升。 金融行业数智化转型兼具复杂性与挑战性，既面临行业共性的转型难题，也受限于金融强监管的行 业属性，需在保障业务连续、运营安全、合规发展的前提下稳步推进。农业银行经深入调研分析，梳理 出转型过程中亟待破解的五个痛点：高质量数据供给不足、部分领域数据存在缺失；智能能力转化为业 务生产力的效率相对碎片化；业务"用数"需求日益增长但应用场景相对零散，体系化程度有待提升；数 据驱动银行业务流程升级的能力不足、人机协同的体系化运营模式尚未完全形成；支撑体系化转型的技 术平台、工艺标准、运营管控等基础能力亟待加强。同时，转型工作还面临三大约束：市场竞争日趋激 烈、产品开发迭代提速、业务连续稳定保障，这些都对转型提出了极高要求。 农业银行立足行业发 ...

根据协议，此次签约双方将充分发挥各自优势，坚决做好"两重""两新"和"五篇大文章"等领域金融供 给，大力支持山西省能源转型和产业升级，服务扩大内需和国内统一大市场建设。 在服务乡村振兴上，双方将持续深化在粮食安全、乡村产业、脱贫攻坚、特、优农业"走出去"等方面的 合作。紧密配合山西省"一带一路"大商圈重要节点和综合交通枢纽建设，双方共同支持稳外贸、稳外 资，拓展国际结算、涉外担保和贸易融资等方面的国际业务合作，服务山西省打造内陆地区对外开放新 高地。 2026年是"十五五"开局之年，也是山西省加快转型发展、基本实现社会主义现代化的重要窗口期。双方 通过此次战略合作协议的签署切实将各项措施转化为攻坚实效，共同为中国式现代化山西实践贡献金融 力量。 山西晚报·山河+讯（记者 张珍 通讯员 梁晨霄）2月10日，农业银行山西分行与中国进出口银行山 西省分行签署全面业务合作协议。双方将围绕国际经济合作、贸易金融、资金业务、代理业务、"五篇 大文章"等多个领域加强交流与合作，共同服务山西经济社会高质量发展。 山西晚报·山河+讯（记者 张珍 通讯员 梁晨霄）2月10日，农业银行山西分行与中国进出口银行山 西省分行签署全面业 ...

Core Viewpoint - A-share listed banks have shown positive growth in net profit for 2025, with all 11 banks reporting an increase, and four banks achieving double-digit growth, led by Qingdao Bank at 21.66% [1][5]. Group 1: Financial Performance - Qingdao Bank reported a net profit of 518.77 million yuan, up from 426.41 million yuan, marking a growth rate of 21.66% [2]. - Qilu Bank and Hangzhou Bank followed with net profit growth rates of 14.58% and 12.05%, respectively [5]. - In terms of total assets, China Merchants Bank leads with 13.07 trillion yuan, a year-on-year increase of 7.56% [4]. - The overall asset quality of the banks remains stable, with most banks reporting a decrease or stability in non-performing loan ratios [5][6]. Group 2: Revenue Trends - Revenue growth among the banks is varied, with only CITIC Bank experiencing a slight decline of 0.55% [4]. - Nanjing Bank led in revenue growth with a 10.48% increase, while Ningbo Bank and Qingdao Bank reported increases of 8.01% and 7.97%, respectively [4][5]. - The overall revenue growth for A-share listed banks is expected to improve in 2025, driven by narrowing interest margins and increased impairment contributions [9]. Group 3: Market Outlook - Analysts are cautiously optimistic about the banking sector's performance in 2026, with expectations of stable credit growth and improved profitability [9][10]. - The investment focus for 2026 includes identifying banks with potential for growth, particularly Ningbo Bank and China Merchants Bank, and those with convertible bond expectations like Industrial Bank [10]. - The overall market capitalization of the banking sector has surpassed 15 trillion yuan, reflecting a significant increase from the previous year [6].