【#中国银行坚决拥护党中央决定#】#中国银行通报#据中国银行网站2月7日消息，近日，中国银行党委 召开会议，传达中央纪委国家监委关于给予中国银行原党委委员、副行长林景臻开除党籍处分、按规定 取消其享受的待遇的决定。与会同志一致表示，坚决拥护党中央决定，坚决拥护中央纪委国家监委决 定，深刻汲取林景臻案件教训，以案为鉴、警钟长鸣，发扬彻底的自我革命精神，以更高标准、更实举 措推进全面从严治党。党委书记、董事长葛海蛟主持会议，党委班子成员、中央纪委国家监委驻中国银 行纪检监察组有关同志参加会议。会议指出，党中央决定给予林景臻开除党籍处分，充分彰显了以习近 平同志为核心的党中央持之以恒推进全面从严治党、将反腐败斗争进行到底的坚定决心，充分体现了我 们党有腐必反、有贪必肃、除恶务尽的鲜明态度，充分释放了反腐败一刻不能停、半步不能退的强烈信 号。全行各级党组织和党员干部要切实把思想和行动统一到党中央决定精神上来，不断提高政治判断 力、政治领悟力、政治执行力，坚定拥护"两个确立"，坚决做到"两个维护"。会议强调，全行各级党组 织和党员干部要深学细悟习近平总书记关于党的建设的重要思想、关于党的自我革命的重要思想，深入 贯彻党 ...

Core Viewpoint - The China Bank Chongqing Branch has launched the "2026 Youth Commando Team" initiative, focusing on innovative consumer financial services to stimulate consumption and support regional economic development, particularly in the areas of new energy vehicles and housing [1] Group 1: Focus on New Energy Vehicles - The Shapingba Branch's Youth Commando Team has partnered deeply with brands in the new energy vehicle sector, completing over 2,000 financing transactions by 2025, integrating financial services into the entire green consumption chain [3] - The Jiulongpo Branch has established on-site support for housing and automotive consumption, achieving same-day loan approvals for vehicle purchases [3] Group 2: Community and Personalized Services - The Nan'an Xuefu Road Branch has actively engaged with teachers and salary distribution clients, processing over 40 consumer loans in just a few days [5] - The Banan Branch has completed over 160 loan signings this year, amounting to nearly 100 million yuan, by providing on-site and remote signing services [5] - The High-tech Zone Branch has implemented a "three-step strategy" to enhance service efficiency, achieving a 5-minute loan approval experience [5] Group 3: Tailored Financial Solutions - The Changshou Branch has adopted a "customer segmentation + personalized plan" approach to create a replicable service model [6] - The Bishan Branch focuses on teachers, simplifying processes and providing multiple product supports while promoting rational borrowing knowledge [6] - The Jiangjin Branch has established service points in community business circles to address funding needs and promote financial literacy [6] Group 4: Expanding Service Reach - The Yuzhong Changjiang Road Branch has conducted over 50 on-site services targeting military and hospital clients [8] - The Yubei Branch has implemented fiscal interest subsidy policies, reaching consumers directly at exhibitions [8] - The Two Rivers Branch has focused on housing finance, tailoring loan solutions to family development needs [8] Group 5: Commitment to Consumer Finance - The China Bank Chongqing Branch's Youth Commando Team aims to continue enhancing consumer finance services, optimizing service processes, and leveraging digital tools to support the development of Chongqing as an international consumption center [11]

Core Viewpoint - The Central Commission for Discipline Inspection (CCDI) has announced the expulsion of four senior officials for serious violations of party discipline and law, reflecting the government's ongoing commitment to anti-corruption efforts [1][3]. Group 1: Disciplinary Actions - Four senior officials were expelled from the Communist Party and public office for serious violations, including Ni Qiang, Gao Xingfu, Han Song, and Lin Jingzhen [1][3]. - All four officials were found to have committed serious job-related violations and are suspected of bribery, with their cases being transferred to the judicial authorities for prosecution [3][7][12]. Group 2: Individual Cases - Ni Qiang, former Secretary-General of Hainan Province, was expelled for serious violations including abusing power for personal gain and allowing his spouse to receive salary without actual work [5][7]. - Gao Xingfu, former Deputy Director of the Zhejiang Provincial People's Congress, was expelled for associating with political fraudsters and pursuing low-level pleasures [9][12]. - Han Song, former Director of the Xi'an Municipal People's Congress, was expelled for long-term unauthorized use of vehicles belonging to management and service objects [14][15]. - Lin Jingzhen, former Vice President of the Bank of China, was expelled for engaging in power-for-money transactions using his credit authority [17][18].

Core Viewpoint - The Bank of China announced adjustments to margin levels and trading limits for gold and silver futures contracts in response to market volatility and to protect investor interests [1] Group 1: Margin Adjustments - Starting from the close on February 9, 2026, the margin ratio for gold futures contracts on the Shanghai Gold Exchange will increase from 17% to 18% [1] - The margin ratio for Bank of China's gold futures clients will rise from 44.88% to 47.52% [1] - The price fluctuation limit for gold futures will be adjusted from 16% to 17% effective February 9, 2026 [1] Group 2: Silver Futures Adjustments - The margin ratio for silver futures contracts on the Shanghai Gold Exchange will increase from 23% to 24% starting February 9, 2026 [1] - The margin ratio for Bank of China's silver futures clients will rise from 66.01% to 68.88% [1] - The price fluctuation limit for silver futures will be adjusted from 22% to 23% effective February 9, 2026 [1] Group 3: Market Conditions - The Bank of China highlighted the increased uncertainty in the precious metals market, leading to significant price fluctuations [1] - Investors are advised to manage their trading activities based on their financial situation and risk tolerance [1] - The bank emphasizes the importance of controlling the scale of precious metal holdings to mitigate potential financial losses from price volatility [1]

Core Viewpoint - The banking industry is tightening cost control measures by increasing the threshold for transaction notification SMS services, with some banks raising the limit to 5000 yuan, marking the beginning of a paid SMS notification era for small transactions [1][2]. Group 1: Changes in SMS Notification Services - Multiple banks, including China Merchants Bank, have announced adjustments to their SMS notification services, with a new threshold of 5000 yuan for free notifications, which is among the highest in the industry [2][3]. - Other banks, such as Minsheng Bank and Bank of China, have also raised their SMS notification thresholds to 300 yuan and 100 yuan respectively, indicating a trend across the banking sector [3][4]. - The adjustments reflect a broader movement among banks to manage operational costs more effectively, particularly in light of the expenses associated with SMS notifications [6][13]. Group 2: Cost Savings and Digital Transition - Banks are expected to save significant costs by reducing the number of SMS notifications sent, as each message incurs a fee from telecom operators [6][9]. - The average cost for SMS services varies, with larger banks typically securing lower rates due to their scale, while smaller banks face higher costs [8][9]. - The shift towards digital notification methods, such as mobile banking apps and WeChat services, is becoming more prevalent, reducing reliance on traditional SMS notifications [12][14]. Group 3: Financial Implications - The banking sector's net interest margin remains stable at 1.42%, with expectations of continued optimization in asset-liability structures and a gradual decline in interest margins [14][15]. - The cost structure for SMS notifications suggests that charging customers around 3 yuan per month can cover operational costs, especially if the average customer receives fewer than 100 notifications monthly [11][10].

Core Viewpoint - The banking industry is tightening cost control by increasing the threshold for transaction SMS notifications, with some banks raising it to 5000 yuan, marking the beginning of a paid SMS notification era [1][3]. Group 1: Changes in SMS Notification Policies - Several banks have raised the threshold for free SMS notifications, with China Merchants Bank setting the highest threshold at 5000 yuan for single transactions [3][4]. - Other banks, including Minsheng Bank and Bank of China, have also adjusted their SMS notification thresholds to 300 yuan and 100 yuan respectively [4]. - The trend of increasing the threshold for free SMS notifications has been observed since the second half of last year, with over ten banks making similar adjustments [3][4]. Group 2: Cost Savings from SMS Notifications - Banks incur costs for each SMS sent, and the adjustments in notification policies are aimed at reducing these expenses [8]. - Estimates suggest that a bank with 1 million personal customers could save approximately 300 million yuan monthly if they stop sending free SMS notifications for small transactions [9]. - The procurement prices for SMS services vary, with larger banks generally securing lower rates than smaller banks due to their scale advantages [8]. Group 3: Shift to Digital Notification Channels - Banks are increasingly shifting towards digital notification methods, such as mobile banking apps and WeChat service accounts, which are more cost-effective than SMS [11]. - For example, Bank of China encourages customers to use its mobile banking app for free transaction notifications instead of relying on SMS [11]. - The overall trend indicates a decline in the necessity of SMS notifications as banks enhance their digital service offerings [11].

Group 1 - The core point of the news is that Zhengyuan Zhihui Group Co., Ltd. won a procurement project from Bank of China with a bid amount of 1.3206 million yuan [1][2][3] Group 2 - Zhengyuan Zhihui (300645.SZ) reported a revenue of 1.195 billion yuan for 2024, with a revenue growth rate of -2.43% [2][3] - The net profit attributable to the parent company for 2024 was 12 million yuan, showing a significant decline with a growth rate of -71.35% [2][3] - The return on equity (ROE) for the company was 1.12% [2][3] - In the first half of 2025, the company reported a revenue of 460 million yuan, with a revenue growth rate of 0.03% [2][3] - The net profit attributable to the parent company for the first half of 2025 was -1.9 million yuan, reflecting a drastic decline with a growth rate of -118.03% [2][3] - The company operates in the information technology industry, with main product types including operational platform systems, specialized equipment, and components [2][3] - The revenue composition for 2024 was as follows: system construction 57.04%, operations and services 33.45%, intelligent control 7.94%, and others 1.57% [2][3]

中央纪委国家监委网站2月6日通报，据中央纪委国家监委驻中国银行纪检监察组、广西壮族自治区纪委 监委消息：日前，经中央纪委国家监委批准，中央纪委国家监委驻中国银行纪检监察组、南宁市监委对 中国银行贵州省分行原党委委员、副行长张文明严重违纪违法问题进行了立案审查调查。 经查，张文明丧失理想信念，背弃初心使命，伪造证据对抗组织审查；无视中央八项规定精神，接受管 理服务对象旅游活动安排；违反组织原则，不按规定如实报告个人有关事项；廉洁底线失守，利用职务 上的影响为家人谋取利益、长期收受可能影响公正执行公务的礼品礼金、将应当由本人支付的费用交由 他人支付、违规在外部单位兼职取酬；插手干预授信项目；利用职务便利为他人在贷款审批等方面谋取 利益，非法收受巨额财物；违反国家规定发放贷款，造成国有资产重大损失。 张文明严重违反党的政治纪律、组织纪律、廉洁纪律、工作纪律和生活纪律，并涉嫌受贿、违法发放贷 款犯罪，且在党的十八大后不收敛、不收手，性质严重，影响恶劣，应予严肃处理。依据《中国共产党 纪律处分条例》《中华人民共和国监察法》等有关规定，经中国银行党委研究，决定给予张文明开除党 籍处分；收缴其违纪违法所得；经南宁市监委研究 ...

经查，张文明丧失理想信念，背弃初心使命，伪造证据对抗组织审查；无视中央八项规定精神，接受管 理服务对象旅游活动安排；违反组织原则，不按规定如实报告个人有关事项；廉洁底线失守，利用职务 上的影响为家人谋取利益、长期收受可能影响公正执行公务的礼品礼金、将应当由本人支付的费用交由 他人支付、违规在外部单位兼职取酬；插手干预授信项目；利用职务便利为他人在贷款审批等方面谋取 利益，非法收受巨额财物；违反国家规定发放贷款，造成国有资产重大损失。 张文明严重违反党的政治纪律、组织纪律、廉洁纪律、工作纪律和生活纪律，并涉嫌受贿、违法发放贷 款犯罪，且在党的十八大后不收敛、不收手，性质严重，影响恶劣，应予严肃处理。依据《中国共产党 纪律处分条例》《中华人民共和国监察法》等有关规定，经中国银行党委研究，决定给予张文明开除党 籍处分；收缴其违纪违法所得；经南宁市监委研究，决定将张文明涉嫌犯罪问题移送检察机关依法审查 起诉，所涉财物一并移送。 中央纪委国家监委网站讯 据中央纪委国家监委驻中国银行纪检监察组、广西壮族自治区纪委监委消 息：日前，经中央纪委国家监委批准，中央纪委国家监委驻中国银行纪检监察组、南宁市监委对中国银 行贵州省分 ...

近期，职场人期盼的2025年年终奖陆续到账，年终奖理财市场持续升温。国有大行、股份制银行、城商 行及理财子公司纷纷推出年终奖专属产品与服务。 工商银行（601398）手机银行APP"薪管家"板块集中推介薪享系列专属理财产品，主打低起投与策略多 样化，适配年终奖等薪资类资金配置。交通银行（601328）推出"年终奖金好去处"主题活动，专享理财 产品均为R2稳健型，同时还推出涵盖存款、基金、贵金属、保险的多元产品组合，满足不同配置需 求。 具体操作上，可遵循"三层架构"：第一层是满足短期流动性需求的现金管理类工具；第二层是配置匹配 中期规划的稳健型产品，关注其投资逻辑与风险控制能力；第三层则是为长期目标进行的纪律性投资。 "银行集中布局年终奖理财是顺应居民阶段性资金配置需求、积极拓展财富管理业务的体现。"苏商银行 特约研究员高政扬在接受《金融时报》记者采访时表示，年终奖资金普遍具有金额集中、期限相对灵 活、风险偏好趋于稳健的特征，促使银行通过低起投门槛、风险分层、期限可选等一揽子方案，提升服 务黏性。 南开大学金融学教授田利辉表示，银行业务逻辑正从"产品中心"向"客户中心"与"场景中心"跃迁，即通 过嵌入"发薪" ...