在农村环境治理方面，农行溧阳支行积极推动"人居环境综合整治"乡村振兴项目贷款，目前已覆盖溧阳 全辖8个乡镇、110余个行政村，获批投放金额超22亿元，全面提升乡村宜居度。该行通过项目支持，积 极推进农污治理全覆盖，投放信贷资金支持水窖村管网改造及乡镇污水设施建设，完善雨污分流体系， 破解乡镇污水收集难题；支持道路"白改黑"，告别"扬灰路""泥泞路"；助力推进老街立面改造、店招规 整，唤醒乡村烟火气。 图为农行常州溧阳支行客户经理向民宿负责人介绍特色信贷产品。 壮大民宿经济 激活乡村旅游 近日，生态环境部公布首批美丽乡村先行区名单，江苏省常州市溧阳市凭借城乡融合发展的突出成果成 功入选，成为该省唯一获此殊荣的县区。从守护绿水青山到赋能产业兴旺，农行常州分行持续以金融活 水润泽乡野，为这片土地的绿色发展与乡村振兴注入强劲动力，助力绘就一幅生态美、产业兴、百姓富 的现代乡村画卷。 江苏溧阳作为长三角全域旅游标杆城市，依托 "三山一水六分田" 的生态禀赋，以 "1 号公路" 串联 220 余处乡村旅游点，将民宿产业打造为全域旅游的核心支点。 守护生态底色 筑牢绿色屏障 水是溧阳的生态底色。作为太湖上游重要生态屏障，溧 ...

近年来，农行辽宁省分行立足粮食主产区定位，将保障粮食安全视为头等大事，积极融入辽宁粮食产能 提升行动，打造特色服务网点，创新推广"粮农e贷""粮贸e贷"等系列产品，精准服务种植、收储到加 工、流通的全产业链。2025年，该行累计向粮食重点领域投放贷款101亿元，同比多投37亿元，有力支 持了辽粮集团、沈粮集团、"十月稻田"等一大批产业链主体稳健经营。 近年来，农行辽宁省分行积极融入农业强省与"海上辽宁"建设蓝图，持续引导金融活水深度灌溉辽沈大 地，确保金融资源优先保障县乡领域。2025年，该行投放县域贷款1800亿元、涉农贷款582亿元，分别 同比多投220亿元、135亿元。 为保障春节期间鸡蛋供应，建行河北武安支行工作人员走访佳美农业开放有限公司，了解生产情况和融 资需求。图为该公司鸡蛋分拣车间。 破解收储企业"燃眉之急" 冬日的辽宁虽寒气袭人，粮食收储却如火如荼。根据省气候中心预测，今年1月全省平均气温较常年同 期偏低0.5~1℃，降水量偏多一至二成。面对收购时间窗口更紧、资金压力更大的挑战，许多轻资产的 收储企业常因缺乏传统抵押物而犯难。 朝阳县二十家子镇的远丰贸易有限公司正面临这样的困境。该公司负责人 ...

近日，一位来自刚果，就读于济南大学的留学生来到农行济南市中支行营业室，希望开立银行卡用于接 收学校发放的奖学金。营业室员工对此高度重视，立即启动涉外金融服务流程，以专业、高效、热情的 服务，为这位远道而来的学子提供了有力的金融支持。 在营业室员工的共同努力下，银行卡开立业务迅速顺利完成。手持崭新的银行卡，留学生脸上露出了安 心与喜悦的笑容。他诚挚地用不太熟练的中文向工作人员道谢，表示这笔奖学金对他顺利完成学业至关 重要，农行高效周到的服务为他解决了后顾之忧，让他的留学之路更加顺畅。 此次服务不仅是一次标准的业务操作，更是农行践行服务承诺、积极支持教育事业的生动体现。农行济 南市中支行营业室始终以开放包容的态度和专业暖心的服务，迎接来自世界各地的客户，用实际行动诠 释"金融为民"的服务理念，为营造良好的国际化营商环境贡献农行力量。 客服经理根据农行针对外籍人士的快捷开卡服务规范，熟练地审核客户所持的外国护照等证件，快速完 成身份信息录入与系统建档，整个流程严谨而顺畅。同时，大堂经理主动提供全程引导服务，耐心协助 客户填写申请单据，细致讲解相关条款，并帮助其完成信息核对与签字确认等环节。两位员工默契协 作，有效克 ...

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have conducted the 2025 assessment of systemically important banks, 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 domestic systemically important banks have been recognized, 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 consisting of 11 banks, the second group having 4 banks, the third group with 2 banks, the fourth group containing 4 banks, and the fifth group having no banks [1] Group 2: Breakdown of Bank Groups - The first group 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] - The second group consists of: Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, and China Postal Savings Bank [1] - The third group includes: Bank of Communications and China Merchants Bank [1] - The fourth group comprises: Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China [1] - The fifth group currently has no banks included [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 [1] - This initiative is intended to better support the high-quality development of the real economy [1]

今年1月份，商务部等9单位联合印发《2026"乐购新春"春节特别活动方案》，其中明确"加大金融支 持。鼓励金融机构与重点商户合作，策划春节专属活动，推出消费红包、消费立减等优惠，扩大活动覆 盖面。" 国家金融监督管理总局新闻发言人、政策研究司司长郭武平在2月11日召开的国新办新闻发布会上表 示，国家金融监督管理总局认真贯彻落实党中央、国务院决策部署，促进投资于物和投资于人紧密结 合，指导金融机构落实好促消费的各项举措，丰富金融产品，便利金融服务，营造良好的消费环境。具 体可以概括为降成本、优服务、惠民生、强保障四个方面。 多家银行积极行动，围绕"好吃、好住、好行、好游、好购、好玩"等新春消费六大场景，开展2026年春 节促消费专项活动，推出一系列暖心、实惠的金融服务。 据建设银行（601939）相关部门负责人介绍，建设银行以"福享舌尖、福暖新家、福行天下、福购到 家、福乐生活"为主题，精心策划开展15项惠民活动，并集中推出微信立减金、消费券、数字人民币智 能合约红包、支付满减、利率优惠等多重权益，助力实现马年消费"开门红"。 天津市一位消费者对记者表示，春节期间购买电影票时享受了减满优惠，一张电影票便宜了10 ...

Core Viewpoint - The article highlights the significant cash dividends offered by major Chinese banks, positioning them as reliable investment options compared to traditional financial products in a volatile market [2][10]. Dividend Overview - In 2024, the total dividends from China's six major state-owned banks are expected to exceed 420 billion yuan, accounting for 78% of the entire banking sector's dividends [6]. - Industrial and Commercial Bank of China (ICBC) leads with a total dividend payout of 109.8 billion yuan, followed by China Construction Bank (CCB) with nearly 100 billion yuan [6]. - Agricultural Bank of China (ABC) and Bank of China (BOC) each exceed 60 billion yuan in annual dividends, showcasing strong performance [6]. Dividend Policy and Stability - The China Securities Regulatory Commission encourages cash dividends, with state-owned banks maintaining a dividend payout ratio of over 30% [9]. - Some joint-stock banks, like China Merchants Bank, have even higher payout ratios exceeding 35% [9]. - The introduction of mid-year dividends alongside annual dividends effectively doubles the cash flow for investors [9]. Yield Comparison - The average dividend yield for major state-owned banks ranges from 4.2% to 5.8% in A-shares, with Hong Kong shares reaching around 7% [9]. - Agricultural Bank of China boasts an average dividend yield of 6.41% over the past five years, significantly outperforming the current one-year fixed deposit rate of approximately 1.5% [9]. Investment Characteristics - Bank stocks are characterized by consistent dividends, making them suitable for conservative investors and long-term holdings [10]. - The article emphasizes that bank stocks are not about capital gains but rather about stable cash flow and dividends, providing a sense of security for investors [10]. - The low volatility of bank stocks makes them ideal for retirement planning and managing family savings [10].

海洋深处，大国重器正勾勒着能源新版图。随着海洋石油工程股份有限公司业务在国际市场的强势突 围，境外项目涉及的工程担保需求也逐年攀升。中国农业银行天津塘沽分行通过运用政策优化涉外保函 办理流程，建立"一企一策"定制化服务方案，成功为企业办理涉外保函超4000万元，成为这家央企"走 出去"战略实施的可靠伙伴。 近年来，农行天津分行主动融入国家重大战略，积极助力京津冀协同发展，通过"总行统筹+区域协 同"的金融服务机制，构建差异化政策支持体系，全面提升京津冀协同发展金融服务效能。 下一步，农行天津分行将持续创新产品和服务模式，倾斜各类资源保障，着力做好京津冀协同发展的金 融供给。通过高质量的金融服务，为"十五五"良好开局贡献农行力量，助力京津冀打造世界级城市群。 来源：中国农业银行天津市分行 在金融产品和服务创新方面，农行天津分行大客户部/营业部结合国内保函相关京津冀差异化政策，进 一步创新优化"央企快e融"线上保函集中作业平台。该平台整合线上申请、传输、签约、缴费等全流程 功能，实现T+1快速开立多品类国内保函，重塑业务流程，降低时间成本，全面提升客户业务体验。截 至2025年末，该平台累计运用京津冀差异化政策为 ...

Core Viewpoint - China Agricultural Bank has applied for a patent related to a transaction processing method, device, storage medium, and electronic equipment, aimed at enhancing the accuracy of transaction status confirmation and efficiency of account reconciliation [1] Group 1: Patent Application Details - The patent, titled "A Transaction Processing Method, Device, Storage Medium, and Electronic Equipment," was published under CN121544411A and filed on November 2025 [1] - The invention focuses on distributed transaction processing technology, utilizing unique transaction elements to execute pre-business transactions and generate local transaction records [1] - After successful pre-transactions, the method retrieves auxiliary reconciliation information and executes auxiliary reconciliation transactions to produce results, ultimately synchronizing transaction statuses across systems [1] Group 2: Company Overview - China Agricultural Bank, established in 1986 and headquartered in Beijing, primarily engages in monetary financial services [1] - The company has a registered capital of approximately 34.998 billion RMB [1] - According to data analysis, the bank has invested in 16 enterprises, participated in 5,000 bidding projects, and holds 1,309 trademark records along with 5,000 patent records [1]

Core Insights - The report indicates that the average monthly active users (MAU) for major Chinese mobile banking apps in 2025 shows a significant user base, with the Agricultural Bank of China leading at approximately 24.9 million users [1]. Group 1: User Metrics - The average MAU for the top five mobile banking apps in 2025 are as follows: Agricultural Bank of China (24.9 million), Industrial and Commercial Bank of China (19.4 million), China Construction Bank (10.9 million), Bank of China (8.9 million), and Postal Savings Bank (5.3 million) [1]. - The total number of independent devices for mobile banking in China is projected to stabilize between 648 million and 739 million, indicating a plateau in user growth [1]. Group 2: Industry Trends - The report highlights a shift in industry dynamics from acquiring new users to enhancing existing user engagement, as the flow of new users has reached a ceiling [1]. - User behavior is changing structurally, with the effective daily usage time per device decreasing from 4.9 minutes in 2023 to around 2.7 minutes by mid-2025, stabilizing at approximately 3 minutes [1]. - The trend towards high-frequency, short-duration, and function-oriented usage is prompting financial institutions to streamline processes and focus on core transaction scenarios [1].

Core Insights - The Chinese mobile banking market is entering a stage of stock competition in 2025, with monthly active users (MAU) stabilizing between 648 million and 739 million [2] - State-owned commercial banks dominate the market due to their ecological embedding advantages, with Agricultural Bank of China leading at 249 million MAU, followed by Industrial and Commercial Bank of China (194 million) and China Construction Bank (109 million) [2] - Private banks are expected to collectively exit the top 50 MAU rankings in 2025 due to a lack of offline branch support and local living ecosystems [2] Group 1: Major Players - Agricultural Bank of China has the highest MAU at 249 million, followed by Industrial and Commercial Bank of China with 194 million and China Construction Bank with 109 million, forming the first tier of banks [2] - China Bank and Postal Savings Bank have MAUs exceeding 50 million, constituting the second tier [2] - China Merchants Bank leads the joint-stock banks with 71.85 million MAU, while Ping An Bank and CITIC Bank form the second tier, with other joint-stock banks generally below 20 million MAU [2] Group 2: Market Dynamics - The core advantage of state-owned banks lies in their "full-scenario integration" capabilities, embedding services deeply into high-frequency life scenarios such as government affairs, social security, healthcare, and education [2] - Agricultural Bank of China extends its services to rural areas through intelligent service matching and customer customization, while Industrial and Commercial Bank of China utilizes its "Gong Xiao Zhi" model for interactive service [2] - Regional banks like Jiangsu Bank, Beijing Bank, and Ningbo Bank show stable performance by focusing on local markets, with some rural commercial banks like Fujian Rural Credit exceeding 4.5 million MAU, indicating the sustainability of localized operations in the stock market [2]