转自：新华财经 春节临近，中原大地年味渐浓。中国银行河南省分行聚焦"饭桌年味"需求，通过针对性金融服务支持地方特色产业，助力市场保供与传统工艺发展。 在河南万邦国际农产品物流城的干调区，逍遥胡辣汤的香辛料、朱仙镇五香豆腐干的卤料、王勿桥醋的原浆等商品琳琅满目，香气扑鼻。针对该市场小微商 户在备货过程中面临的"资金周转难"等问题，中国银行河南省分行工作人员在进行深入市场调研后，为商户量身定制凭经营流水即可办理的"万邦场景贷"， 并开通涵盖申请、审批等环节的绿色通道。截至目前，中国银行通过"万邦场景贷"产品累计提供信贷支持超11亿元，惠及商户近千户。 粉条、粉皮、淀粉"三粉"是河南省许昌市禹州市的传统年味食材，但当地"三粉"产业长期面临"散、小、急"的融资困境。针对这一情况，中国银行河南省分 行推出"三粉场景贷"，工作人员深入乡镇、走进作坊，精准对接需求，快速投放贷款。目前，中国银行"三粉场景贷"已累计为禹州及周边地区"三粉"生产加 工全链条提供信贷支持近2000万元，为当地特色产业规模化、品牌化发展提供助力。（渠运兴） 编辑：穆皓 ...

新华财经北京2月10日电中国银行发布公告，2026年春节假期临近，根据上海黄金交易所（简称"上金 所"）2026年2月9日发布的《关于做好2026年春节期间市场风险控制工作的通知》，中国银行将对代理 个人上金所业务（包括黄金延期合约和白银延期合约）的交易保证金比例、涨跌幅度限制及交易时间进 行相应调整，具体如下： 三、自2026年2月11日（星期三）收盘清算时起，上金所白银延期合约保证金比例从24%调整为27%， 中国银行白银延期合约客户保证金比例由68.88%调整为77.49%，上金所下一交易日（2月11日20:00）起 涨跌幅度限制从23%调整为26%。 近期贵金属市场的不确定性因素较多，价格大幅波动。请您做好市场风险防范，基于自身财务状况和风 险承受能力开展贵金属交易活动，合理控制贵金属持仓规模，防范贵金属价格波动带来的资金损失风 险。 （文章来源：新华财经） 一、2026年2月14日（星期六）休市至2月23日（星期一）休市，2月24日（星期二）起照常开市，2月13 日（星期五）晚上不进行夜市交易。 二、自2026年2月11日（星期三）收盘清算时起，上金所黄金延期合约保证金比例从18%调整为21%， 中 ...

Summary of Key Points Core Viewpoint - The announcement indicates an increase in margin requirements for gold and silver deferred contracts on the Shanghai Gold Exchange, which may impact trading dynamics and investor behavior in the precious metals market [1] Group 1: Gold Contract Adjustments - The margin ratio for gold deferred contracts on the Shanghai Gold Exchange will increase from 18% to 21% starting from the close of trading on February 11, 2026 [1] - The margin ratio for the bank's gold deferred contract customers will rise from 47.52% to 55.44% [1] - The price fluctuation limit for gold contracts will be adjusted from 17% to 20% on the next trading day following the margin change [1] Group 2: Silver Contract Adjustments - The margin ratio for silver deferred contracts on the Shanghai Gold Exchange will increase from 24% to 27% effective February 11, 2026 [1] - The margin ratio for the bank's silver deferred contract customers will increase from 68.88% to 77.49% [1] - The price fluctuation limit for silver contracts will be adjusted from 23% to 26% on the next trading day following the margin change [1]

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].

天眼查工商信息显示，近期，中国银行（601988）发生工商变更，注册资本由约2944亿人民币增至约 3222亿人民币，增幅约9.5%。 中国银行股份有限公司成立于1983年10月，法定代表人为葛海蛟，经营范围为银行业务。股东信息显 示，该公司由中央汇金投资有限责任公司、香港中央结算（代理人）有限公司、中华人民共和国财政 部、中国证券金融股份有限公司等共同持股。 ...

Core Viewpoint - The successful launch of "Zhaoyin Jinkui" and "Puyin Shuzhi" satellites by China Merchants Bank and Pudong Development Bank marks a significant step in the integration of banking and commercial aerospace, highlighting the banks' strategic move to leverage satellite technology for enhancing digital financial infrastructure and supporting the commercial aerospace industry [2][10]. Group 1: Satellite Launch and Collaboration - The "Zhaoyin Jinkui" and "Puyin Shuzhi" satellites are part of the "Tianqi Constellation" low-orbit narrowband satellite IoT network, showcasing banks' involvement in satellite launches [2][3]. - This is not the first instance of banks collaborating with commercial satellite companies; previous launches include "Zhaoyin 1" and "Zhaoyin 2" by China Merchants Bank and "Ping An 1" and "Ping An 2" by Ping An Bank [3][4]. - Banks are adopting various paths to utilize satellite technology, including direct satellite launches and purchasing processed data from satellite companies for financial applications [3][4]. Group 2: Applications and Benefits of Satellite Technology - The integration of low-orbit satellites enhances banks' capabilities in financial asset management, risk control, and emergency communication, extending their digital infrastructure into space [3][6]. - Banks are increasingly moving from merely purchasing satellite data to actively participating in satellite launches, driven by the need for improved risk management and business continuity [6][7]. - The use of satellite technology allows banks to overcome geographical and environmental limitations, thus expanding their business reach, especially in remote areas [7][10]. Group 3: Cost and Market Dynamics - The cost of launching commercial satellites is expected to decrease due to technological advancements and economies of scale, making customized commercial applications more feasible [8][9]. - Current costs for launching a commercial satellite range from tens of millions to over a billion yuan, with significant potential for reduction as the industry matures [8][9]. - By 2030, the cost of satellite launches could drop to below 10,000 yuan per kilogram, further encouraging financial institutions to invest in satellite technology [9]. Group 4: Financial and Industrial Synergy - The collaboration between banks and satellite companies represents a deeper financial and industrial synergy, enabling banks to expand their service offerings and support the development of the commercial aerospace ecosystem [10][14]. - Banks are innovating financial products and services, such as satellite leasing and industry-specific funds, to meet the unique needs of the aerospace sector [14][15]. - The integration of satellite data into financial services is expected to enhance credit assessments and risk management, aligning financial services more closely with the real economy [10][15].

来源：环球网 春节临近，年味渐浓，中原大地处处喜庆，千家万户正忙着置办年货、准备团圆。中国银行河南省分行 聚焦"饭桌年味"需求，从市场辛香交织的调料摊到乡村热气朦胧的粉条架，以金融"活水"精准灌注，为 新春团聚献上温暖的中行红。 针对万邦市场广大小微商户备货需求，中国银行通过"万邦场景贷"产品累计提供信贷支持超11亿元，惠 及商户近千户。空气里浮动的，不仅是调料香，更是中行以高质量服务托起的年味烟火气。 寒冬季节，在河南禹州，一家家粉坊里热气蒸腾。这里的新春，是从一根根晶莹透亮的粉条开始的…… 作坊里，师傅手腕轻巧起伏，粉浆如丝入锅，红薯淀粉特有的醇香弥漫在空气里，乡亲们忙里说笑，谱 成了"年节生产交响曲"。禹州"三粉"——粉条、粉皮、淀粉，不仅是团圆锅里少不了的老味道，更是几 代人手艺与匠心的沉淀。 "手艺是祖传的，咱心里有底；可一到需求旺季想扩产，资金就没底了。"老板李师傅在晾晒架前一边忙 碌、一边感慨。这份"甜蜜的负担"，曾是粉坊老板们共同的难题。 为破解当地"三粉"产业"散、小、急"的融资困境，中国银行河南省分行创新推出"三粉场景贷"，工作人 员深入乡镇、走进作坊，精准对接需求，快速投放贷款。"扩产有 ...

Core Viewpoint - The A-share market saw a broad increase in bank stocks, with Shanghai Bank, Construction Bank, CITIC Bank, Minsheng Bank, Bank of Communications, and Zheshang Bank all rising over 1% [1] Group 1: Stock Performance - Shanghai Bank (601229) increased by 1.82%, with a total market capitalization of 142.8 billion and a year-to-date decline of 0.50% [2] - Construction Bank (601939) rose by 1.58%, holding a market cap of 2,354.4 billion, and has a year-to-date decline of 3.02% [2] - CITIC Bank (601998) saw a rise of 1.47%, with a market cap of 421.8 billion and a year-to-date decline of 1.56% [2] - Minsheng Bank (600016) increased by 1.27%, with a market cap of 174.3 billion and a year-to-date increase of 3.92% [2] - Bank of Communications (601328) rose by 1.19%, with a market cap of 602.6 billion and a year-to-date decline of 5.93% [2] - Zheshang Bank (601916) increased by 1.01%, with a market cap of 82.4 billion and a year-to-date decline of 1.32% [2] Group 2: Additional Bank Performance - Chongqing Rural Commercial Bank (601077) rose by 0.91%, with a market cap of 75.6 billion and a year-to-date increase of 6.49% [2] - Everbright Bank (601818) increased by 0.90%, with a market cap of 198.5 billion and a year-to-date decline of 0.78% [2] - Nanjing Bank (6000009) rose by 0.89%, with a market cap of 140.5 billion and a year-to-date decline of 0.61% [2] - Lanzhou Bank (001227) increased by 0.86%, with a market cap of 13.4 billion and a year-to-date increase of 3.46% [2] - Postal Savings Bank (601658) rose by 0.77%, with a market cap of 626.9 billion and a year-to-date decline of 2.05% [2] - Agricultural Bank (601288) increased by 0.75%, with a market cap of 2,365.9 billion and a year-to-date decline of 11.98% [2] - Bank of China (601988) rose by 0.74%, with a market cap of 1,746.4 billion and a year-to-date decline of 5.41% [2] - Qingdao Bank (002948) increased by 0.72%, with a market cap of 32.5 billion and a year-to-date increase of 24.78% [2]

Summary of Conference Call on Banking Sector Outlook Industry Overview - The conference focused on the banking sector, specifically discussing the performance and outlook of 11 listed banks in China for the year 2025 and beyond [1][6]. Key Points and Arguments 1. Overall Performance of Banks - The performance of the 11 banks exceeded expectations, indicating a robust resilience in the banking sector [1][6]. - The net interest margin (NIM) showed signs of stabilization, with a narrowing year-on-year decline contributing significantly to interest income and revenue growth [1][2]. 2. Sensitivity of Interest Income - Interest income is highly sensitive to changes in NIM; a decrease of 10 basis points (BP) in NIM could reduce net interest income growth by 7 percentage points, while a 5 BP decrease would result in a 3.5 percentage point reduction [2]. 3. Fee Income Recovery - There has been a recovery in fee income due to improved capital market conditions and asset allocation by residents, leading to a continuous improvement in bank fees [2][4]. 4. Potential for Old Bond Gains - The banks hold significant unrealized gains on old bonds, which presents a substantial opportunity for realization [3]. 5. Positive Outlook for 2026 - The overall judgment is that the situation in 2026 will be better than in 2025, driven by stable basis points, improving fees, and gains from old bonds [3]. 6. Investment Perspective - The investment strategy focuses on absolute returns, targeting a return on equity (ROE) of around 13% and a price-to-book (PB) ratio of 0.67 times, indicating a reasonable pricing range [3][4]. - The recommendation is to select stocks based on high growth and high dividend yield, particularly in regions like Jiangsu, Nanjing, and Qilu [4][5]. 7. Performance of Specific Banks - Notable banks such as China Merchants Bank and Industrial Bank showed positive revenue growth, with some banks transitioning from negative to positive growth [6][7]. - City commercial banks like Nanjing Bank and Qingdao Bank reported double-digit revenue growth, indicating strong performance [7][10]. 8. Asset Quality and Non-Performing Loans (NPLs) - The asset quality remains stable, with many banks reporting a decrease in NPL ratios. For instance, Qingdao Bank's NPL ratio dropped significantly [10][11]. - The overall trend suggests a gradual improvement in asset quality, with expectations for continued stability in 2026 [11][12]. 9. Credit Growth and Demand - Credit growth is expected to remain strong, particularly in major provinces like Sichuan and Jiangsu, which reported credit growth rates above 8% [12][13]. - The demand for corporate loans remains robust, while retail loan demand is weaker [12]. 10. Future Risks and Projections - There are concerns regarding the potential exposure of retail loans, particularly in mortgage and consumer credit segments, but the overall increase in NPLs is expected to be limited [16][17]. - Projections for 2025 indicate a slight increase in NPL ratios for retail loans, but overall asset quality is expected to remain stable [17][18]. 11. Revenue Growth Expectations - The banking sector is projected to achieve a revenue growth rate of approximately 1.2% year-on-year, with city commercial banks leading in net profit growth [19][20]. 12. Stock Selection Strategy - The stock selection strategy emphasizes high ROE and high dividend yield, with recommendations for both Hong Kong and A-share listed banks [20][21]. Additional Important Insights - The conference highlighted the importance of wealth management in driving fee income, with expectations for continued positive contributions to revenue [19]. - The overall sentiment is optimistic regarding the banking sector's ability to navigate challenges and capitalize on growth opportunities in the coming years [22].

三、中国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有关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 一、核准罗天中国银行股份有限公司珠海分行行长的任职资格。 二、中国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，自中国银行政许可决 定作出之日起3个月内到任，并按要求在到任后10日内报告到任情况。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。 2026年2月3日，珠海金融监管分局发布批复称，《中国银行（601988）广东省分行关于对罗天任职资格 核准的请示》（粤中银报〔2025〕380号）及相关说明解释材料收悉。经审核，现批复如下： ...