这家成立于2011年的高新技术企业，仅用十余年便实现了从深耕本地到辐射全球的跨越式发展。如今， 其产品已成功打入新加坡、英国及非洲、东南亚等90个国家和地区的市场，成为平顶山智能制造领域一 张亮眼的"硬核名片"。 这份"出海成绩单"的背后，离不开中原银行平顶山分行的精准金融赋能——从信贷支持到利率让利，从 产业链协同到发展陪伴，该行以金融"活水"滋养科创根系，助力企业在国际舞台上崭露头角。 "2021年那会儿，新厂房刚落成，设备和原材料采购都需要资金周转。"回忆起与中原银行平顶山分行的 初次合作，平顶山天晟电气有限公司融资部部长赵向旭记忆犹新。在为资金犯难的节骨眼上，中原银行 郏县支行客户经理卢倩羽主动上门服务。 来源：环球网 走进河南平顶山天晟电气股份有限公司的智能制造车间，科技创新的澎湃活力扑面而来。自动化生产线 高速运转，工人们与智能设备协同作业，一件件精密变压器在流水线上成型，一幅高效运转的现代化工 业图景鲜活铺展。 图为天晟 电气智能制造车间。 "我们保证一周内完成放款。"这句承诺让赵向旭心里打了个问号。在她的经验里，贷款从申请到放款， 少说也要一个月。可这次，中原银行平顶山分行的效率却远远超出了她 ...

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份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD.* 茲提述中原銀行股份有限公司*（「本行」）日期為2025年7月31日的2025年第一次 臨時股東大會（「2025年第一次臨時股東大會」）通函（「通函」）及通告，內容有關 （其中包括）2025年第一次臨時股東大會。除文義另有所指外，本公告所用詞彙與 通函所界定者具有相同涵義。 董事會謹此宣佈，2025年第一次臨時股東大會已於2025年8月20日（星期三）在中 國河南省鄭州市鄭東新區金融島C3-18號中原銀行大廈實體舉行。 2025年第一次臨時股東大會由董事長郭浩先生主持。董事郭浩先生、馮若凡先 生、張姝女士、徐義國先生、趙紫劍女士、王茂斌先生、潘新民先生及高平陽先 生出席2025年第一次臨時股東大會。2025年第一次臨時股東大會的召開程序符合 相關法律法規及本行章程的規定。 通函所載決議案已在2025年第一次臨時股東大會上提呈供股 ...

Core Insights - The article highlights the transformation of traditional food production in Henan's Jia County, specifically focusing on the automated production of the local specialty, He Le Mian, by Huang Banzhang Food Co., Ltd [1][3] - The company has developed a product matrix that includes fresh, self-heating, and instant varieties, expanding its offerings to over ten specialty food products [1][4] - The financial support from Zhongyuan Bank has been crucial for the company's growth, with a recent loan of 500,000 yuan facilitating market expansion and the development of new high-quality food products [3][4] Company Overview - Huang Banzhang Food Co., Ltd was established in 2016, driven by a demand for local flavors among customers in the restaurant business [1] - The company has successfully integrated automated production lines to standardize and package traditional He Le Mian, allowing for wider distribution [1][3] - The founder, Huang Pu Jian, emphasizes the importance of financial support from banks in enabling business growth and innovation [3][4] Financial Support and Impact - Zhongyuan Bank's Jia County branch has implemented a "thousand enterprises, ten thousand households" outreach program, visiting over 10,580 small and micro enterprises since October of the previous year [4] - The bank has streamlined its loan approval process, reducing the average approval time by over 30%, and has provided over 2.5 billion yuan in loans to small and micro enterprises [4] - The efficient service provided by the bank, including on-site assistance, has been highlighted as a significant factor in supporting local businesses like Huang Banzhang Food [3][4]

Core Viewpoint - The article highlights the role of private enterprises in promoting China's modernization and high-quality development, focusing on the financial support provided by Zhongyuan Bank to small and micro enterprises in Pingdingshan [1]. Group 1: Company Overview - Huang Pu Jian, a veteran and former chef, established Huang Banzhang Food Co., Ltd. in 2016, specializing in ready-to-eat dishes like instant He Le noodles and tofu dishes, leveraging traditional recipes and modern food processing technology [3][4]. - The company has successfully launched over ten varieties of ready-to-eat products, achieving annual sales exceeding 20 million yuan, with products available in over 1,100 supermarkets across Henan province [3][5]. Group 2: Financial Support and Growth - Zhongyuan Bank's Pingdingshan branch has intensified its financial support for private enterprises, successfully providing over 2.5 billion yuan in loans to small and micro enterprises since October of the previous year [5]. - The bank's efficient service includes a specialized loan product, "Shangyi Loan Plus," which facilitated a 500,000 yuan loan for Huang Banzhang Food Co., Ltd. within five working days, significantly aiding the company's operations [4][5]. Group 3: Market Expansion Plans - Huang Pu Jian plans to expand the market for his ready-to-eat products beyond Henan, with pilot sales set for Beijing and Shenzhen, aiming for a nationwide presence [3][5]. - The company is also looking to develop health-oriented products that align with new consumer trends, emphasizing the combination of local flavors and health benefits [5].

1. Report Industry Investment Rating There is no information provided in the report regarding the industry investment rating. 2. Core Viewpoints of the Report - In recent years, the risks of small and medium - sized banks have gradually increased due to economic transformation, regional development differences, and bank risk events. The central government has emphasized the timely disposal of risks in small and medium - sized financial institutions [1][10]. - The business share and profitability of small and medium - sized banks have declined. Their asset quality has also deteriorated during the rapid expansion period, and they are now gradually digesting historical legacy issues [2][33]. - The operations of urban and rural commercial banks across the country have shown differentiation. Underdeveloped regions generally have higher asset - to - total ratios, and there are differences in asset quality, profitability, and business growth rates among different regions [3]. - The core path for resolving the risks of small and medium - sized banks is the reform of the rural credit system, and the reform process of provincial rural credit unions has accelerated significantly in recent years [4]. - In the disposal of major risk events of small and medium - sized banks, a large amount of public funds are often consumed, and the restoration of the subject's qualifications and regional credit usually takes a long time [5]. 3. Summary According to Relevant Catalogs 3.1 Small and Medium - Sized Bank Risk Resolution Background - **Macro - background**: Since 2010, with China's economic transformation, the profitability of the real economy has declined, and the default rate of small and medium - sized enterprises has increased, leading to a rise in the non - performing loan ratio of small and medium - sized banks from 2010 - 2020. After 2020, macro - factors have put pressure on the asset quality and operations of small and medium - sized banks. Regional economic development imbalances and the limited risk - control capabilities of small and medium - sized banks, along with events such as the Baoshang Bank incident in 2019, have attracted more attention to the risk resolution of small and medium - sized banks [1][10]. - **High concentration of rural commercial bank credit risks**: In 2023, rural financial institutions accounted for 95% of the 3936 banking financial institutions rated by the central bank, and high - risk rural financial institutions accounted for 96% of the total high - risk bank institutions [15]. - **Non - redemption of Tier 2 and perpetual bonds concentrated in urban and rural commercial banks**: All cases of non - redemption of Tier 2 and perpetual bonds occurred in urban and rural commercial banks, especially in small and medium - sized banks in Liaoning, Tianjin, Shandong and other places. Since 2023, the non - redemption ratio has continued to decline, which may indicate an improvement in the capital adequacy of small and medium - sized banks in recent years [17]. 3.2 Operating Conditions of Urban and Rural Commercial Banks - **Overview of the fundamentals of urban and rural commercial banks**: Before 2016, small and medium - sized banks rapidly expanded their scale, but since 2019, their market share has continued to decline. During the rapid expansion period, their asset quality deteriorated, and since 2020, they have gradually digested historical legacy issues. Their profitability has also decreased significantly, and there are differences in capital adequacy among different types of banks [28][33][35]. - **Operating conditions of urban and rural commercial banks in different regions**: The market status of urban and rural commercial banks shows a two - tiered differentiation. Underdeveloped regions and Jiangsu, Zhejiang, and Anhui have a high asset - to - total ratio, while developed regions have a low ratio. There are also differences in asset quality, profitability, and business growth rates among different regions. For example, in 2024, the asset quality of urban and rural commercial banks in the three northeastern provinces and the northwest was generally poor, while that in Jiangsu, Zhejiang, Anhui, Beijing, and Shanghai was relatively good [3][38][41]. 3.3 Progress and Plans for the Reform of Provincial Rural Credit Unions in Different Regions - **The reform of the rural credit system is the core path for resolving the risks of small and medium - sized banks**: The reform of provincial rural credit unions is an important part of risk resolution for small and medium - sized banks. Currently, there are two main reform models: the joint - bank model and the unified - legal - person model. The reform process has accelerated significantly in recent years [4][59][62]. - **Cases of rural credit system reform**: Examples include the Zhejiang Rural Commercial United Bank (joint - bank model), Liaoning Rural Commercial Bank (unified - legal - person model), and Henan Rural Commercial Bank (a combination of joint - bank and unified - legal - person models) [64][66]. 3.4 Cases of Risk Disposal of Small and Medium - Sized Banks - **Sources of funds for risk disposal of small and medium - sized banks**: The order of fund use in the financial risk disposal process is the shareholders and actual controllers of the disposed financial institution, market - based funds, the deposit insurance fund, local public resources, and the financial stability protection fund. In recent years, the deposit insurance fund has been widely used in major risk resolution of small and medium - sized banks, and as of July 2025, a total of 530 billion yuan of special bonds for risk resolution of small and medium - sized banks have been issued [69][70][72]. - **Cases of risk disposal of small and medium - sized banks**: After the risk exposure of Baoshang Bank in 2019, risks of small and medium - sized banks in various places broke out concentratedly. Taking Liaoning Rural Commercial Bank and Jinzhou Bank as examples, the causes of risks, disposal plans, and related risks are analyzed [76].

Group 1 - The Hong Kong Stock Exchange reported that on August 13, the shareholders of China Zhongyuan Bank (01216) transferred shares from Shanghai Pudong Development Bank to CITIC Securities Brokerage Hong Kong, with a transfer market value of HKD 162 million, accounting for 6.68% of the total shares [1] - China Zhongyuan Bank announced that it will distribute a final dividend of RMB 0.12 per 10 shares on August 5, 2025 [1]

Group 1 - The Hong Kong Stock Exchange reported that on August 13, the shares of China Zhongyuan Bank (01216) were transferred from Shanghai Pudong Development Bank to CITIC Securities Brokerage Hong Kong, with a transfer market value of HKD 162 million, accounting for 6.68% [1] - China Zhongyuan Bank announced that it will distribute a final dividend of RMB 0.12 per 10 shares on August 5, 2025 [1]

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份內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 中原銀行股份有限公司 * ZHONGYUAN BANK CO., LTD. * （於中華人民共和國註冊成立的股份有限公司） （股份代號：1216） 董事會會議通知 中原銀行股份有限公司*（「本行」）董事（「董事」）會（「董事會」）謹此宣佈，董事會 會議將於2025年8月28日（星期四）舉行，藉以（其中包括）審議及批准本行及其附 屬公司截至2025年6月30日止的六個月期間的中期業績及其發佈。 代表董事會 中原銀行股份有限公司* 郭浩 董事長 中華人民共和國，鄭州 2025年8月13日 於本公告日期，董事會包括執行董事郭浩先生；非執行董事馮若凡先生及張姝女 士；獨立非執行董事徐義國先生、趙紫劍女士、王茂斌先生、潘新民先生及高平 陽先生。 * 中原銀行股份有限公司並非一家根據銀行業條例（香港法例第155章）之認可機構，並不受 限於香港金融管理局的監督，亦不獲授權在香港經營銀行及╱或接受存款業務。 ...

Core Viewpoint - The recent regulatory measures in Henan province aim to standardize auto consumer finance practices, capping the actual customer interest rate at no more than double the current one-year Loan Prime Rate (LPR), effectively addressing high commission issues and shifting the market focus from price wars to value competition [1][2][4]. Group 1: Regulatory Changes - Several banks in Henan, including Everbright Bank and Agricultural Commercial Bank of Henan, have announced new regulations to control financing costs for car buyers, setting the annualized interest rate cap at 6% and credit card installment fees at a maximum of 16% [2]. - The new regulations also prohibit auto dealers from coercing customers into high-commission financial products and aim to stabilize the auto consumer finance market in Henan [2][3]. Group 2: Market Dynamics - The previous high-interest, high-rebate model involved banks offering substantial commissions to auto dealers to boost market share, which led to unsustainable practices and risks for banks due to early loan repayments [3][4]. - The shift away from high-interest models is driven by narrowing interest margins for banks, prompting a need for strategic adjustments towards value-based competition, focusing on product design and service enhancement [4][5]. Group 3: Strategic Adjustments - Banks are beginning to adapt their auto finance strategies, with institutions like Ping An Bank enhancing their product offerings to meet comprehensive auto finance needs, including a focus on new energy vehicle loans and improved online loan processes [5].

FF301 第 1 頁 共 10 頁 v 1.1.1 | 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 | | | 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 | | | --- | --- | --- | --- | --- | --- | -- ...