国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"一种信用度的确定方法、装置和 设备"的专利，授权公告号CN113689114B，申请日期为2021年8月。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息965条，专利信息 5000条，此外企业还拥有行政许可79个。 来源：市场资讯 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 ...

Core Insights - The China Industrial and Commercial Bank has obtained a patent titled "Method, Device, Computer System, and Storage Medium for Determining Related Analysis Relationships," with authorization announcement number CN114661959B, applied for on March 2022 [1] Company Overview - The China Industrial and Commercial Bank was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of the company is approximately 35.64 billion RMB [1] Investment and Operations - The China Industrial and Commercial Bank has invested in 28 enterprises and participated in 5,000 bidding projects [1] - The company holds 965 trademark information records and 5,000 patent information records, along with 79 administrative licenses [1]

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"业务数据的存储方法、装置、设 备及存储介质"的专利，授权公告号CN117056311B，申请日期为2023年8月。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息965条，专利信息 5000条，此外企业还拥有行政许可79个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 工银科技有限公司，成立于2019年，位于石家庄市，是一家以从事软件和信息技术服务业为主的企业。 企业注册资本90000万人民币。通过天眼查大数据分析，工银科技有限公司共对外投资了2家企业，参与 招投标项目349次，专利信息801条。 ...

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"基于动态组网的区块链的业务交 易、区块链的动态组网方法及装置"的专利，授权公告号CN118233464B，申请日期为2024年3月。 来源：市场资讯 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了28家企业，参与招投标项目5000次，财产线索方面有商标信息965条，专利信息 5000条，此外企业还拥有行政许可79个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 ...

Group 1 - The core point of the article is that the Industrial and Commercial Bank of China (ICBC) has obtained a patent for a data processing method, system, device, medium, and product between different framework servers, with the patent announcement number CN119676288B and an application date of December 2024 [1] - ICBC was established in 1985 and is located in Beijing, primarily engaged in monetary financial services [1] - The registered capital of ICBC is approximately 35.64 billion RMB [1] Group 2 - According to data analysis from Tianyancha, ICBC has invested in 28 enterprises and participated in 5,000 bidding projects [1] - The bank has 965 trademark information entries and 5,000 patent information entries, along with 79 administrative licenses [1]

Core Viewpoint - The article highlights the trend of A-share listed companies implementing cash dividends ahead of the Spring Festival, indicating a shift towards a "return-focused" market environment driven by regulatory policies and improved corporate governance [2][6]. Group 1: Cash Dividends Overview - As of February 11, 57 A-share listed companies have implemented cash dividends totaling 409.11 billion yuan since February [2]. - Notable companies such as Changjiang Electric Power and Darentang have announced significant cash dividends, with Changjiang Electric Power distributing over 51 billion yuan [3][4]. - From December 1, 2025, to February 11, 2026, 289 A-share companies have distributed cash dividends amounting to 3,896.83 billion yuan, reflecting a year-on-year growth of approximately 13% [4]. Group 2: Industry Insights - The financial and consumer sectors continue to dominate cash dividends, with banks accounting for 8 out of the top 10 companies by total dividend amount [4]. - The total cash dividends from 19 listed banks reached 2,627.34 billion yuan, representing 67% of the total dividends during the specified period [4]. - In the food and beverage sector, 23 listed companies have distributed cash dividends totaling 494.84 billion yuan, with leading firms like Kweichow Moutai and Wuliangye contributing significantly [5]. Group 3: Regulatory Influence - Recent policies, including the new "National Nine Articles," have emphasized the importance of cash dividends, encouraging companies to enhance dividend stability and predictability [6][7]. - The China Securities Regulatory Commission has advocated for multiple dividends per year and pre-dividend announcements to improve investor returns [6]. - The Shanghai and Shenzhen Stock Exchanges are promoting initiatives to enhance cash dividend policies and increase the frequency of cash distributions [7].

三、中国工商银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险 合规意识，熟悉任职岗位职责，忠实勤勉履职。 2026年2月11日，国家金融监督管理总局天水监管分局发布批复称，《中国工商银行（601398）股份有 限公司甘肃省分行关于宋涛拟任天水分行行长任职资格核准的请示》（工银甘报〔2026〕20号）收悉。 根据《中国银保监会中资商业银行行政许可事项实施办法》（中国银保监会令2022年第5号）等有关规 定，经审核，现批复如下： 一、核准宋涛中国工商银行股份有限公司天水分行行长任职资格。 二、中国工商银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自中国工商银行 政许可决定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批 复文件失效，由决定机关办理行政许可注销手续。 ...

Core Insights - The mobile banking app industry in China is transitioning into a stock operation phase, with user behavior shifting towards efficient, purpose-driven usage rather than prolonged browsing [1][7][9] - AI and ecosystem integration are driving a transformation in service delivery, enhancing user experience and security [2][11] - Regulatory frameworks are tightening, emphasizing compliance and innovation, with new policies guiding the industry towards value creation [3][14] - Competitive dynamics are increasingly influenced by ecosystem capabilities and regional strengths, with state-owned banks leading the market [4][16] Market Overview - The user base for mobile banking apps is stabilizing, with monthly active users (MAU) projected to fluctuate between 648 million and 739 million from 2023 to 2025, reaching a peak by December 2025 [7] - The overall market is moving from rapid expansion to a focus on enhancing existing user engagement [7] User Behavior Trends - User engagement metrics show a slight decline in daily usage frequency, with average daily sessions dropping from approximately 4.5 times in 2023 to around 3.3 times in early 2024, stabilizing thereafter [9] - Effective usage time is also decreasing, indicating a shift from passive browsing to targeted, functional use [9] Technological Trends - By 2025, mobile banking technology will focus on deep AI integration and ecosystem-level enhancements, moving beyond simple feature improvements [11] Regulatory Environment - The regulatory landscape is evolving, with a focus on compliance and user rights protection, driven by the implementation of new policies [14] Competitive Landscape - The competitive environment is characterized by significant differentiation, with state-owned banks leveraging their extensive ecosystems, while regional banks focus on localized growth [4][16] User Demographics - The core user demographic consists predominantly of males (56.7%) and younger users under 40 years old (63.3%), with a significant portion being married and having children [6][45][47] - Users from new first-tier and lower-tier cities account for over 90% of active users, highlighting the importance of these markets for future growth [48] Top Mobile Banking Apps - Agricultural Bank of China leads with an average MAU of 249 million, followed by Industrial and Commercial Bank of China with 194 million, and China Construction Bank with 109 million [18][19] - Among joint-stock banks, China Merchants Bank leads with 71.85 million MAU, while Ping An Bank and CITIC Bank follow closely [20][22] Case Studies of Leading Banks - Agricultural Bank of China is enhancing user experience through its mobile app, aiming for over 270 million MAU by the end of 2025 [30] - Industrial and Commercial Bank of China focuses on smart financial services, improving user engagement through various innovative features [33] - Postal Savings Bank of China aims to evolve its app into a companion service, enhancing user interaction and experience [35] - China Merchants Bank emphasizes wealth management and digital loan services, integrating financial services into daily life [37] - Ping An Bank is enhancing its app with AI-driven insights and personalized services [39] - Beijing Bank is focusing on a comprehensive wealth management system and improved user experience through its app [41]

（来源：湖州日报） 转自：湖州日报 在浙江凯色丽科技发展有限公司，财务负责人谈起去年底的一笔融资时，用了"及时"二字。公司计划进 行生产设备节能改造，但部分资金需求与传统信贷产品不匹配。交通银行湖州分行在走访中了解到这一 情况后，结合绿色金融创新试点政策，成功为其办理了全市首笔绿色外债登记业务，引入150万美元资 金专项用于改造。"利率合适，手续顺畅，项目进度比预期快了不少。"该负责人表示。这笔"破冰"的业 务，成为湖州金融系统探索多样化融资服务、精准响应企业需求的一个生动注脚。 市绿色金融发展服务中心工作人员介绍，增速的背后是机制的协同与服务的靠前。"我们和行业主管部 门联动更紧密了，项目信息共享更及时，让银行能早介入、早研判。"他提到，围绕重大项目清单，金 融机构得以提前设计融资方案；而对于暂时遇到困难的企业，则通过"一企一策"进行针对性帮扶，努力 缓解企业经营压力。 在滋养实体经济的同时，金融风险的"防火墙"也在同步加固。据了解，湖州已连续46个月保持全省最优 的信贷资产质量。 "迈入2026年，湖州金融系统将围绕深化'金融生态最优市'建设这一主线，以打造全国绿色金融能力建 设基地为载体，实施金融服务赋 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report analyzes 132 regional banks in the Sichuan-Chongqing area, highlighting the growth and structural changes in the banking sector [6][27] - The asset growth rates of major city commercial banks in the region are higher than those of listed city commercial banks, indicating a robust expansion [38] - Profitability metrics show that city commercial banks in the region have lower ROE compared to listed banks, while rural commercial banks outperform them [6][27] - Asset quality is slightly weaker in regional banks compared to listed banks, with higher non-performing loan ratios [6][27] Summary by Sections Economic Structure Analysis - Sichuan province is positioned as a key driver for western development, with a focus on enhancing the Chengdu-Chongqing economic circle [13][14] - In 2025, Chengdu's GDP is projected to account for 38.7% of the province's total, with significant growth in various sectors [15] Banking Sector Overview - The Sichuan-Chongqing region has 132 commercial banks, including 14 city commercial banks, 65 rural banks, and 51 rural commercial banks [27] - The asset growth rates for major city commercial banks in the region are 15.6% and 18.2%, surpassing the 14.2% growth of listed city commercial banks [38] Asset and Liability Structure - The proportion of loans to total assets has been increasing since 2016, with city commercial banks in Sichuan projected to have a loan ratio of 56.1% by 2024 [38][40] - The financial investment ratio for city commercial banks is on a downward trend, with a slight recovery noted in the first half of 2025 [40][46] Profitability and Asset Quality - The average ROE for city commercial banks in the region is 10.97%, lower than the 11.99% average for listed city commercial banks [6][27] - Non-performing loan ratios for city commercial banks in the region are higher than those of listed banks, indicating potential asset quality concerns [6][27] Capital Adequacy - Capital adequacy ratios for regional banks are comparable to those of listed banks, providing a safety margin for operations [6][27]