FF301 | 上月底結存 | | | 6,945,000,000 RMB | | 1 RMB | | 6,945,000,000 | | --- | --- | --- | --- | --- | --- | --- | --- | | 增加 / 減少 (-) | | | 0 | | RMB | | 0 | | 本月底結存 | | | 6,945,000,000 RMB | | 1 RMB | | 6,945,000,000 | | 2. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | 於香港聯交所上市 (註1) | | 否 | | | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 01216 | 說明 | H股 | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 6,945,000,000 | RMB | | ...

来源：环球网 近年来，中原银行平顶山分行持续深耕养老金融领域，从服务升级适老化、养老产品多元化、金融宣传 普及化等方面，打造多层次养老金融服务体系，书写群众"老有所养、老有所乐"的中原答卷。 据悉，平顶山分行营业部联合三甲医院，定期开展免费体检、健康讲座，为老年客户建立专属健康档 案，实现金融需求与健康需求的精准对接。 如今的平顶山分行营业部，已形成"金融服务+生活关怀"双核心模式，辐射周边5个大型居民区，被中国 银行业协会评为四星级银行网点。 这是中原银行平顶山分行打造的全市首家养老金融示范网点，也是其深耕养老金融的一个缩影。 筑牢安全守护网，暖心守护老年人"钱袋子" 针对老年人金融诈骗高发问题，中原银行平顶山分行构建了"教育—预警—应急"三重防线体系，以实际 行动守护群众"钱袋子"。 升级适老化服务，打造全市首家养老金融示范网点 10月20日下午，81岁的陈秀花来到中原银行平顶山分行营业部，准备把到期的4万元定存办理续存。营 业部总经理助理许元元看见后，赶忙把陈秀花搀到大堂敬老爱心专座，推来移动填单台，指导她填写定 存单据。 作为全市首家养老金融示范网点，平顶山分行营业部立足老年群体需求，对网点进行全方位 ...

Core Viewpoint - The recent community service activities organized by Zhongyuan Bank's Luoyang branch focus on combining traditional virtues with innovative financial services, particularly aimed at the elderly population [1][2]. Group 1: Community Engagement Activities - Multiple branches of Zhongyuan Bank, including Tangong Middle Road Branch and the branch's business department, conducted a series of community service activities themed "Warmth in Chongyang, Financial Protection" [1]. - The activities included anti-fraud education, convenient services, and humanistic care, effectively delivering the warmth of a "citizen bank" to the elderly community [1]. Group 2: Specific Initiatives - The Tangong Middle Road Branch collaborated with Jiuzhou City Community to create a service platform, where staff and community volunteers prepared a large pot of food, attracting elderly residents [1]. - During the cooking, a financial manager conducted an "anti-fraud classroom," using recent high-profile cases to educate residents on fraud prevention through interactive quizzes [1]. Group 3: Financial Knowledge Promotion - The Luoyang branch's business department featured a "Financial Knowledge Quick Q&A" section at community events, addressing concerns of the elderly regarding currency exchange standards, counterfeit detection, and telecom fraud prevention [2]. - Residents who answered questions correctly received customized small gifts, enhancing their understanding of financial knowledge in a relaxed atmosphere [2]. Group 4: Commitment to Community Service - Zhongyuan Bank's Luoyang branch emphasized "convenient services + humanistic care" by setting up service desks in community squares, providing essential financial services and free commemorative photos for elderly residents [2]. - The series of activities reflects the bank's commitment to the "citizen bank" strategy and the deep-rooted tradition of respecting and caring for the elderly [2]. Group 5: Future Plans - The bank plans to continue enhancing its "citizen bank" construction, focusing on the service needs of key demographics like the elderly, and regularly conducting community financial service activities [2]. - The goal is to deliver high-quality, convenient, and safe financial services directly to the community, reinforcing the brand image of "Zhongyuan Bank, the bank of the people of Zhongyuan" [2].

Core Viewpoint - The ongoing "return to the nest" reform of village banks, led by main initiating banks, aims to address risks and optimize the financial layout in rural areas, ensuring that financial services remain rooted in local communities and meet the needs of rural residents [1][7][11]. Summary by Sections Village Bank Mergers and Acquisitions - On October 29, three village banks in Shandong were approved for dissolution, with their assets and operations taken over by Qingdao Rural Commercial Bank, marking a significant step in the "village to branch" reform [1][2]. - The day before, six village banks in Sichuan were also absorbed by Chengdu Rural Commercial Bank, indicating a broader trend of consolidation in the sector [2][3]. Background and Rationale - Village banks were established to serve "three rural issues," small and micro enterprises, and county-level economies, filling gaps left by traditional financial institutions. However, many have strayed from their original mission due to weak capital, governance issues, and inadequate risk control [7][11]. - The "village to branch" reform involves the absorption of village banks into their main initiating banks, eliminating their independent legal status and allowing for unified management and operations [7][11]. Strategic Implications - The main initiating banks can leverage their risk management frameworks and capital allocation mechanisms to reduce potential risks associated with village banks, enhancing their overall risk resilience [4][10]. - The consolidation allows main banks to deepen their penetration into rural financial markets by utilizing existing customer bases and branch networks of the absorbed village banks [4][10]. Future Outlook - The reform is expected to continue, with more village banks likely to be integrated into main initiating bank systems, as highlighted by recent regulatory approvals and ongoing discussions in the financial sector [11][12]. - The central government's emphasis on rural financial reform and the need for differentiated strategies for different institutions will be crucial for the success of these reforms [11][12].

Core Viewpoint - The ongoing "return to the nest" reform of village banks, led by main initiating banks, aims to address risks and optimize the financial layout in rural areas, transitioning from scale expansion to quality improvement in financial services [1][8]. Summary by Sections Village Bank Dissolution and Integration - On October 29, three village banks in Shandong were approved for dissolution, with their assets and operations taken over by Qingdao Rural Commercial Bank [3][5]. - Similarly, six village banks in Sichuan were absorbed by Chengdu Rural Commercial Bank, marking a significant shift in the operational structure of these institutions [3][5]. Background and Purpose of Village Banks - Village banks were established to serve the "three rural issues" and small enterprises, filling gaps in financial services at the grassroots level [8][12]. - However, many have deviated from their original purpose due to weak capital, governance issues, and inadequate risk control, leading to a need for consolidation [8][12]. "Village to Branch" Reform Mechanism - The "village to branch" reform involves the absorption of village banks into their initiating banks, eliminating their independent legal status and consolidating operations [8][12]. - This process can occur through two main pathways: full acquisition of shares by the initiating bank or the integration of multiple village banks into a regional management branch [8][12]. Strategic Benefits of Consolidation - The consolidation allows initiating banks to leverage unified risk management frameworks and capital allocation mechanisms, enhancing the overall risk resilience of the absorbed village banks [6][11]. - It also facilitates the expansion of county-level financial services by utilizing existing customer bases and branch networks [6][11]. Future Outlook and Challenges - The reform is expected to continue, with more village banks likely to be integrated into main banks, as highlighted by recent regulatory approvals [12][13]. - However, there are concerns about potential drawbacks, such as longer decision-making processes and increased product homogeneity, which could hinder the unique advantages of village banks [12][13].

Core Viewpoint - The recent legal skills competition organized by Zhongyuan Bank and the Henan Provincial Federation of Trade Unions highlights the bank's commitment to legal talent development and its emphasis on building a law-compliant banking environment [1][2]. Group 1: Competition Results - Zhang Yuanyuan, Deputy General Manager of the Legal Compliance Department at Zhongyuan Bank Pingdingshan Branch, won the "Individual Special Award" with the highest score in the competition [1]. - Hu Yiming received the "Individual Excellence Award," and the branch was recognized with the "Outstanding Team Award" [1]. Group 2: Talent Development - The Pingdingshan Branch views the competition as a crucial practice for cultivating legal talent, having selected three company lawyers to participate after multiple rounds of selection [1]. - The branch has a total of eight company lawyers, all of whom possess rich theoretical knowledge and practical experience in the field [1]. Group 3: Future Plans - The branch plans to deepen its talent cultivation mechanism by promoting learning, training, and application through competitions, aiming to create a team proficient in both legal and financial matters [2].

Core Viewpoint - Zhongyuan Bank, the largest city commercial bank in Henan Province, is actively pursuing strategic acquisitions and management changes to enhance its operational capacity and market presence [2][14]. Management Changes - On October 17, 2025, Zhongyuan Bank announced the resignation of its former president Liu Kai, effective immediately, with Zhou Feng, born in the 1970s, appointed as the new president [6][7]. - Zhou Feng has a background in financial regulation and local government, having served in various roles including Deputy Secretary-General of the Henan Provincial Government [8][9]. - The bank has undergone multiple personnel adjustments in 2025, establishing a clear management structure with a team of 14 senior executives, including four vice presidents and several assistants [10][12]. Acquisition Plans - Zhongyuan Bank plans to acquire three village banks: Puyang Zhongyuan Village Bank, Mengjin Minfeng Village Bank, and Luanchuan Minfeng Village Bank, with a total acquisition cost of approximately 780 million yuan [14][17]. - The acquisition involves purchasing shares from other stakeholders at prices of 1.33 yuan, 2.99 yuan, and 4.25 yuan per share, respectively [15][17]. - Following the acquisition, these village banks will be restructured as branches of Zhongyuan Bank, inheriting all assets, liabilities, and operational rights [17]. Financial Performance - For the first half of 2025, Zhongyuan Bank reported a revenue of 13.563 billion yuan, a year-on-year decline of 3.1%, and a net profit attributable to shareholders of 2.034 billion yuan, down 0.8% compared to the previous year [17]. - The bank's non-performing loan ratio stood at 2.01%, a slight decrease of 0.01 percentage points from the beginning of the year [17].

Group 1 - The core viewpoint of the article is that Zhongyuan Bank plans to merge three rural banks with an investment of 782 million yuan, indicating a trend towards the transformation of rural banks into branches [3][5]. - The merger is part of ongoing reforms in small and medium-sized banks, which aim to mitigate risks and enhance operational efficiency [5]. Group 2 - The announcement was made during the second extraordinary shareholders' meeting of 2025, highlighting the bank's strategic direction [5]. - The cash-based approach for the merger reflects a proactive stance in adapting to the evolving banking landscape [5].

中原银行发布的该次股东大会的通函显示，在收购股权数量方面，中原银行拟收购濮阳中原村镇银行、 孟津民丰村镇银行、栾川民丰村镇银行的其他股东分别持有的0.29亿股、0.98亿股、1.06亿股股权，其 交易价格分别拟定为1.33元/股、2.99元/股、4.25元/股（具体交易对价以经主管财政部门备案后的评估 结果为准）。 10月20日，中原银行发布了2025年第二次临时股东大会通告。通告显示，该行拟以现金收购濮阳中原村 镇银行、孟津民丰村镇银行、栾川民丰村镇银行三家村镇银行，并将其改建为中原银行的分支机构。 如果以此价格计算，则中原银行此次收购三家银行的价格分别为0.38亿元、2.93亿元、4.51亿元，合计 金额将超7.8亿元。 然而，观察者网注意到，今年上半年中原银行的盈利表现并不突出。根据其2025年中期报告数据，今年 上半年该行实现营收135.63亿元，同比下滑3.1%；实现归属该行股东净利润20.34亿元，同比下滑 0.8%。此外，中原银行截至今年上半年的资产不良率为2.01%，较年初下滑了0.01个百分点。 近期，中原银行还迎来了新任行长。10月17日，中原银行发布公告称，因工作调整，刘凯不再担任行长 ...

Summary of Key Points Core Viewpoint - The report highlights the top short-selling stocks in the market, indicating significant investor sentiment and potential volatility in these companies [1][2]. Group 1: Top Short-Selling Ratios - BYD Company Limited (81211) has the highest short-selling ratio at 93.06% [2] - Xiaomi Group (81810) follows with a short-selling ratio of 82.68% [2] - Zhongyuan Bank (01216) ranks third with a short-selling ratio of 68.75% [2] Group 2: Top Short-Selling Amounts - Alibaba Group (09988) leads in short-selling amount with 2.694 billion [2] - Pop Mart International (09992) has a short-selling amount of 1.721 billion [2] - Tencent Holdings (00700) follows closely with a short-selling amount of 1.714 billion [2] Group 3: Top Short-Selling Deviation Values - Zhongyuan Bank (01216) has the highest deviation value at 63.70% [2] - Xiaomi Group (81810) has a deviation value of 49.42% [2] - BYD Company Limited (81211) has a deviation value of 38.40% [2]