2月13日金融一线消息，据央行官网，为构建覆盖全面的宏观审慎管理体系，强化系统重要性金融机构 监管，根据《系统重要性银行评估办法》，近期中国人民银行、国家金融监督管理总局开展了2025年度 我国系统重要性银行评估，认定21家国内系统重要性银行，其中国有商业银行6家，股份制商业银行10 家，城市商业银行5家。按系统重要性得分从低到高分为五组：第一组11家，包括中国民生银行、中国 光大银行、平安银行、华夏银行、宁波银行、江苏银行、北京银行、南京银行、广发银行、浙商银行、 上海银行；第二组4家，包括兴业银行、中信银行、浦发银行、中国邮政储蓄银行；第三组2家，包括交 通银行、招商银行；第四组4家，包括中国工商银行、中国银行、中国建设银行、中国农业银行；第五 组暂无银行进入。 责任编辑：曹睿潼 责任编辑：曹睿潼 2月13日金融一线消息，据央行官网，为构建覆盖全面的宏观审慎管理体系，强化系统重要性金融机构 监管，根据《系统重要性银行评估办法》，近期中国人民银行、国家金融监督管理总局开展了2025年度 我国系统重要性银行评估，认定21家国内系统重要性银行，其中国有商业银行6家，股份制商业银行10 家，城市商业银行5家。按系 ...

中国银行股份有限公司（简称"本行"）于 2026 年 2 月 13 日在北京 以现场表决方式召开董事会会议，会议通知于 2026 年 1 月 28 日通过书面 及电子邮件方式送达至本行所有董事。本次会议由董事长葛海蛟先生主 持，会议应出席董事 16 名，亲自出席董事 16 名。高级管理层成员列席了 会议。会议的召开符合《中华人民共和国公司法》等有关法律、行政法规、 部门规章、规范性文件和《中国银行股份有限公司章程》（简称"《公司 章程》"）的规定。出席会议的董事审议并以记名方式投票表决通过了如 下议案： 证券代码：601988 证券简称：中国银行 公告编号：临 2026-002 中国银行股份有限公司董事会决议公告 中国银行股份有限公司董事会及全体董事保证本公告内容不存在任何虚假记 载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责 任。 一、中国银行 2026 年固定资产投资预算 赞成：16 反对：0 弃权：0 辉先生兼任本行首席合规官。 张辉先生自董事会批准之日起兼任本行首席合规官。 张辉先生的简历如下： 二、张辉先生兼任本行首席合规官 赞成：15 反对：0 弃权：0 张辉先生因利益冲 ...

Corporate Dynamics - Huaxia Bank reported a net profit attributable to shareholders of 27.2 billion yuan for 2025, a slight decrease of 1.72% year-on-year [1] - The bank's operating income for 2025 was 91.914 billion yuan, down 5.39% compared to the previous year [1] - Total assets reached 4.737619 trillion yuan, reflecting an 8.25% increase from the end of the previous year [1] Financial Adjustments - Bank of China raised the minimum purchase amount for its accumulation gold products from 950 yuan to 1,200 yuan [2] - Bank of Communications announced an increase in the margin ratio for personal clients trading gold contracts from 60% to 80% due to heightened market risks [3] - China Construction Bank will implement dynamic trading limit management for its gold products and suspend physical repurchase services from February 14 to February 23 [4] Capital Increases - Jiujiang Bank plans to increase its capital and has received support from two major shareholders, including Industrial Bank, which will subscribe to the bank's domestic shares [5] Personnel Changes - Bank of China appointed Huang Xueling as a new executive, expected to serve as vice president after completing relevant procedures [6] - Beijing Bank elected Guan Wenjie as the new chairman and appointed Wei Yu as vice president, pending regulatory approval [7] - China Everbright Bank appointed Yang Wenhua as vice president and chief compliance officer, and Wang Yongqi as vice president, effective upon regulatory approval [8] Legal and Regulatory Issues - Lin Jingzhen, former vice president of Bank of China, was expelled from the party for serious violations, along with several other senior officials from major banks [9] - Xu Yiding, vice president of Agricultural Development Bank, is under investigation for serious violations [10]

中国银行公告称，2026年2月13日董事会会议审议通过了2026年固定资产投资预算及张辉兼任首席合规 官两项议案，分别以16票赞成、0票反对、0票弃权以及15票赞成、0票反对、0票弃权通过。张辉因利益 冲突回避表决，其自董事会批准之日起兼任该职，他还在本行担任副董事长、执行董事、行长等职。第 一项议案将提交股东会审批。 ...

贊成：15 反對：0 棄權：0 本行於2026年2月13日在北京以現場表決方式召開董事會會議，會議通知於2026 年1月28日通過書面及電子郵件方式送達至本行所有董事。本次會議由董事長 葛海蛟先生主持，會議應出席董事16名，親自出席董事16名。高級管理層成員列 席了會議。會議的召開符合《中華人民共和國公司法》等有關法律、行政法規、部 門規章、規範性文件和《中國銀行股份有限公司章程》（「《公司章程》」）的規定。出 席會議的董事審議並以記名方式投票表決通過了如下議案： 一、中國銀行2026年固定資產投資預算 贊成：16 反對：0 棄權：0 二、張輝先生兼任本行首席合規官 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致之任何損失承擔任何責任。 中國銀行股份有限公司 BANK OF CHINA LIMITED （於中華人民共和國註冊成立的股份有限公司） （「本行」） （股份代號：3988） 公告 董事會決議 張輝先生因利益衝突迴避表決。 本行董事會提名和薪酬委員會已審議通過本議案， ...

Core Viewpoint - The article highlights the vibrant consumer market in Wuhan as the Spring Festival approaches, emphasizing the role of financial support from China Bank Hubei Branch in boosting consumption and ensuring supply stability [1][5]. Group 1: Consumer Market Dynamics - The festive atmosphere in Wuhan is characterized by bustling markets and restaurants, indicating a strong consumer demand as the Spring Festival nears [2][3]. - The supply chain management company, Yipinxian (Wuhan), plays a crucial role in ensuring the availability of high-quality seafood for consumers, with financial support enabling them to enhance production and inventory [2][5]. Group 2: Financial Support Initiatives - China Bank Hubei Branch has implemented various financial products to support local businesses, including a 500 million yuan loan to Yipinxian, facilitating their operations during the peak season [2][5]. - The bank's quick loan approval process, exemplified by a 150 million yuan credit loan to a local restaurant, demonstrates its commitment to providing timely financial assistance to businesses [3][4]. Group 3: Consumer Financing Innovations - The bank has introduced consumer loan policies with interest subsidies, allowing residents to benefit from reduced costs and streamlined application processes [4][5]. - Innovative financial services, such as the "随心智贷" and "中银E贷," are designed to meet the diverse funding needs of households, enhancing the efficiency of consumer finance [4][5]. Group 4: Broader Economic Impact - The bank's initiatives have resulted in significant support for over 50,000 small businesses, with nearly 10 billion yuan in credit provided, contributing to a stable supply chain and vibrant consumer market [5][6]. - The ongoing efforts by China Bank Hubei Branch aim to sustain the momentum of consumer spending and support the high-quality development of the local economy [6].

Group 1 - The announcement from Bank of China details the adjustment of trading hours for personal accumulation gold and bond services during the Spring Festival holiday [1] - Personal accumulation gold business will suspend trading from February 13, 2026, at 15:15 and will resume on February 24, 2026, at 09:00 [1] - Counter bond business will halt trading from February 13, 2026, at 15:30 and will restart on February 24, 2026, at 09:30 [1] Group 2 - Account precious metals and two-way account precious metals services will stop trading from February 14, 2026, at 06:00 and will resume on February 16, 2026, at 08:00; trading will also stop from February 21, 2026, at 06:00 and resume on February 23, 2026, at 08:00 [1] - The bank's foreign exchange trading and two-way foreign exchange treasure services will not be affected during the holiday [2] - The bank warns that market liquidity may be low before and after the holiday, and it may adjust bid-ask spreads based on market conditions until stability is restored [2]

2026年2月10日，中国银行（601988）发布公告称，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： 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%， 中国银行黄金延期合约客户保证金比例由47.52%调整为55.44%,上金所下一交易日（2月11日20:00）起 涨跌幅度限制从17%调整为20%。 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。 一、 ...

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]

在互动问答环节,社区群众踊跃参与现场问答,工作人员结合PPT中的知识点与实战经验逐一细致回应,现 场答疑解惑、互动交流,让防诈知识在轻松愉悦的氛围中入脑入心,真正成为居民手中的"新春平安符"。 此次新春防诈宣传活动累计发放各类宣传资料300余份,现场解答居民咨询50余人次,覆盖各年龄段居民 200余人,有效提升了居民群众的金融安全意识与反诈防骗技能。中行夏津支行相关负责人表示:"守护群 众"钱袋子"安全是金融机构的职责所在"。中行夏津支行将持续深化三方协作,常态化开展金融安全宣传 活动,不断创新服务形式、丰富宣传内容,切实用专业、暖心的金融力量,护航每一位居民度过平安、祥 和、幸福的新春佳节。(许杰) 近日,中行夏津支行联合夏津县公安局、夏津县朝阳社区共同举办"普及金融知识,共建和谐社区"主题宣 传活动,以银警社三方联动的坚实力量,为社区居民送上"新春防诈大礼",守护筑牢节日期间的资金安全防 线。 活动现场,中行夏津支行工作人员化身"新春防诈宣传员",带来了精心制作的防诈赶大集PPT,将专业金融 知识转化为生动直观的图文画面,用"高息理财陷阱""虚假贷款骗局""冒充电商客服退款诈骗"等节日高发 骗局作为讲解要 ...