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） 將於2025年8月20日舉行之 2025年第一次臨時股東大會或其任何續會適用的代表委任表格 本代表委任表格相關的股份數目 （附註1） 內資股 H股 本人╱吾等 （附註2） 地址為 為中原銀行股份有限公司（「本行」） 股內資股（「內資股」）╱H股（「H股」） （附註3 （每股面值人民幣 ） 1.00元）之持有人， 茲委任大會主席或 （附註4） 地址為 作為本人╱吾等受委代表並代表本人╱吾等出席本行將於2025年8月20日（星期三）下午三時正於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之2025年第一次臨時股東大會（「2025年第一次臨時股東大會」）（或其任何續會），並按下文所指示 於該大會上就日期為2025年7月31日（星期四）的2025年第一次臨時股東大會通告所載決議案投票，或倘無作出指示，則作為本人╱ 吾等的受委代表酌情投票。 普通決議案 贊成 （附註5） 反對 （附註5） 棄權 （附註5） 1. 審議並批准關於變更本行總部住所的議案；及 特 ...

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通告的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通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） 2025年第一次臨時股東大會通告 茲通告中原銀行股份有限公司（「本行」）2025年第一次臨時股東大會（「2025年第 一次臨時股東大會」）謹定於2025年8月20日（星期三）下午三時正假座中國河南省鄭州 市鄭東新區金融島C3-18號中原銀行大廈實體舉行，以供審議並酌情通過下列決議案： 普通決議案 1. 審議並批准關於變更本行總部住所的議案；及 代表董事會 中原銀行股份有限公司* 郭浩 董事長 中國鄭州市 2025年7月31日 於本通告日期，本行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香港銀行業條例（香港法例第155章）之認可機構，不受 ...

閣下如已出售或轉讓名下的全部中原銀行股份有限公司*股份，應立即將本通函連同代表委任表格送交買 主或承讓人，或經手買賣或轉讓的銀行、股票經紀或其他代理人，以便轉交買主或承讓人。 此乃要件 請即處理 閣下如對本通函任何方面或需採取的行動有任何疑問，應諮詢 閣下的股票經紀或其他註冊證券商、銀行 經理、律師、專業會計師或其他專業顧問。 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通函的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示，概不對因本通函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） 變更本行總部住所、 修訂《中原銀行股份有限公司章程》 及 2025年第一次臨時股東大會通告 董事會函件載於本通函第3頁至第7頁。 本行將於2025年8月20日（星期三）下午三時正假座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。2025年第一次臨時股東大會通告載於本通函第EGM-1頁至第 ...

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） 建議變更總部住所 建議修訂《公司章程》 建議變更總部住所 中原銀行股份有限公司（「本行」）董事會（「董事會」）建議將本行總部辦公地址變 更為中華人民共和國河南省鄭州市鄭東新區金融島中原銀行大廈，註冊地址及本 行住所由中華人民共和國河南省鄭州市鄭東新區CBD商務外環路23號中科金座大 廈變更為中華人民共和國河南省鄭州市鄭東新區金融島C3-18號中原銀行大廈， 最終以市場監督管理部門核准登記為準（「建議變更總部住所」）。 建議修訂《公司章程》 董事會建議對《中原銀行股份有限公司章程》（「《公司章程》」）作出修訂以反映上述 建議變更總部住所（「建議修訂《公司章程》」），具體修訂內容如下： | 《公司章程》原條款 | 《公司章程》修改後的條款 | | --- | -- ...

Core Viewpoint - Recent actions by multiple banks to clean up "sleeping bank cards" aim to enhance account management and reduce financial risks associated with dormant accounts [1][4][5] Group 1: Bank Actions - Several banks, including Zhongyuan Bank and Shunde Rural Commercial Bank, have announced initiatives to clean up long-unused personal bank accounts, starting from September 1, 2023 [1][3] - Shunde Rural Commercial Bank plans to gradually close accounts identified as inactive by August 1, 2025, which will be permanently unusable after closure [3] - Hubei Bank has also conducted a cleanup of long-dormant accounts from May 29 to June 29, 2023, with plans for annual reviews of eligible accounts [3] Group 2: Definition and Criteria - "Sleeping accounts" are defined as those that have not had any active transactions for five years or more, although banks may have varying criteria for identifying such accounts [3][4] - Zhongyuan Bank's criteria for cleaning include accounts that have not had any transactions for two years or more and have a balance of 10 RMB or less [3] - Hubei Bank's criteria specify accounts that have not had any transactions for three years or more and have a zero balance [3] Group 3: Regulatory and Security Implications - The National Financial Regulatory Administration has initiated a special project to remind banks about "sleeping accounts," leading to a broader cleanup effort across over 50 banks [4] - The cleanup is intended to enhance customer fund security and improve banks' account management, thereby reducing financial risks [4][5] - Cleaning up dormant accounts is also seen as a measure to prevent fraud, as unused accounts can be exploited for illicit activities [5]

来源：环球网 近年来，中原银行新密支行积极响应国家战略号召，充分发挥党建引领作用，将金融服务深度融入乡村 振兴，以金融"活水"精准浇灌乡村沃土。 产业振兴是乡村振兴的重中之重。中原银行新密支行紧密围绕新密市的特色产业布局，充分发挥金 融"活水"作用，为乡村产业发展注入强劲动力。 为支持新密市农业生产加工产业，该行积极推广"产业普惠贷"等产品，为从事农产品生产、加工、销售 的农户和企业提供全方位、一站式的信贷支持。 2025年夏收，面对急需卖粮的农民和良好的收储商机，新密市牛店镇某面粉厂却缺乏资金，难以扩大收 储规模。中原银行新密支行了解情况后，迅速组织人员上门调研，为其量身定制了融资方案，及时发放 贷款100万元。有了这笔资金，面粉厂敞开仓库，全力收储，不仅解决周边数百户农户卖粮难问题，还 确保了面粉加工原料供给的稳定性。 据介绍，在党建引领下，中原银行新密支行与地方政府、企业、农户建立了紧密的合作关系，形成了共 同推进乡村振兴的强大合力。该行积极参与政府主导的乡村振兴项目，为项目提供融资支持和专业金融 服务。 与企业开展深度合作，共同探索产业融合发展新模式。为支持农业产业化龙头企业做大做强，中原银行 新密支 ...

Core Viewpoint - Zhongyuan Bank is focusing on building a financial ecosystem for the entire grain industry chain, supporting various stakeholders in agriculture to promote modernization and standardization in the sector [1] Group 1: Financial Products and Support - Zhongyuan Bank has launched the "Rural Revitalization Industry Inclusive Loan," providing credit support of up to 10 million yuan, with a cumulative investment of 8.05 billion yuan in various agricultural sectors [2] - The bank has introduced specialized financial solutions for grain storage and trade, addressing urgent funding needs for grain storage enterprises [2][3] - The bank's grain storage loan balance has reached 9.14 billion yuan, with 5.11 billion yuan disbursed this year [4] Group 2: Collaboration and Innovation - Zhongyuan Bank collaborates closely with Henan Agricultural Guarantee Company to enhance business approval efficiency through a direct data connection [1] - The bank has established a special task force for grain storage, conducting on-site research to understand the financial needs of local grain storage enterprises [2] - The introduction of the "优粮优信" (Quality Grain, Quality Credit) model and the "Grain Storage - Taiyi Platform" aims to provide tailored services for state-owned and small to medium-sized grain enterprises [2][3] Group 3: Market Impact and Agricultural Development - The bank's initiatives are contributing to the modernization of agriculture in Henan, enhancing the quality and efficiency of grain supply and processing [4] - The successful implementation of these financial products is expected to create a vibrant agricultural landscape, promoting prosperity for farmers and beautifying rural areas [4]

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 limiting it to a maximum annual rate of 6% [1][2] Group 1: Regulatory Changes - Multiple banks in Henan, including Everbright Bank and Agricultural Commercial Bank of Henan, have announced measures to control financing costs for car buyers, addressing high commission issues [1] - The new regulations prohibit auto dealers from coercing customers into high-commission financial products and aim to stabilize the auto consumer finance market in Henan [1] Group 2: Market Dynamics - The previous high-interest, high-rebate model, which involved banks offering substantial commissions to auto dealers to boost market share, is being phased out due to regulatory pressures [2] - Banks are facing reduced profit margins as many customers are repaying loans early, leading to diminished interest income and increased operational costs [2][3] Group 3: Shift in Competitive Strategy - The industry is transitioning from a price war to value competition, with banks needing to enhance product design and service experience to maintain market competitiveness [3] - Some banks, like Ping An Bank, are adapting their auto finance strategies by focusing on electric vehicle loans and improving online loan processes to meet customer needs [3]

Group 1 - The core viewpoint of the article is the regulation of auto consumer finance business by several banks in Henan, aiming to control financing costs and eliminate high commission issues [1] - Everbright Bank's Zhengzhou branch has announced measures to standardize loan product pricing and strictly control financing costs for car buyers [1] - Other banks in the Henan region, including Agricultural Bank of Henan, Bank of Communications Henan branch, CITIC Bank Zhengzhou branch, and Zhongyuan Bank, have issued similar statements regarding the regulation of auto finance [1] Group 2 - The measures include regulating commission payment behaviors to prevent dealers from using high commissions to manipulate car sales prices and mislead consumers regarding their loan intentions and terms [1] - The initiative aims to address the issue of dealers inducing consumers to repay loans early or distorting their genuine loan needs [1]

Core Insights - The health insurance market is experiencing a recovery, with a significant increase in inquiries for commercial health insurance products, particularly those covering outpatient medication [1] - Health insurance premium income reached 378.2 billion yuan in Q1 2025, growing by 4.85% year-on-year, outperforming the overall insurance industry's growth rate of less than 1% [1][2] - Major health insurance companies reported a combined insurance business income of 38.645 billion yuan in Q1 2025, with a year-on-year growth rate exceeding 12% [2] Group 1: Industry Performance - The net profit of health insurance companies doubled in Q1 2025, with a combined net profit of 3.117 billion yuan, reflecting a year-on-year increase of 103.86% [2] - Among the leading companies, PICC Health achieved an insurance business income of 28.069 billion yuan, up 14.4% year-on-year, and a net profit of 2.43 billion yuan, increasing by 134.56% [2] - Other companies like Ping An Health and Pacific Health also reported positive growth, although some faced declines in net profit [2] Group 2: Market Dynamics - The growth in health insurance is driven by increased awareness of health risks among residents and a preference for health insurance products due to compressed returns on investment-type insurance products [3] - The low interest rate environment has pressured insurance companies to expand their health insurance offerings to mitigate risks associated with interest rate spreads [3] - The National Healthcare Security Administration is promoting digital empowerment in commercial insurance, facilitating data sharing and collaboration between public and commercial health insurance [3] Group 3: Challenges and Opportunities - Despite the growth, the health insurance market has not yet reached the target of over 2 trillion yuan by 2025, with premium income remaining below 1 trillion yuan for the past three years [3] - The market faces challenges such as product homogeneity, insufficient collaboration with the medical system, and weaknesses in risk pricing capabilities [3] - The structure of health insurance products is under pressure for adjustment, with traditional products facing challenges from alternative savings products [4] Group 4: Future Outlook - The ongoing DRG/DIP reform in medical insurance is expected to create more opportunities for commercial health insurance, particularly in high-value medical needs [5] - Medical insurance is projected to continue growing, with a compound annual growth rate of 18.37% from 2018 to 2023, and is expected to account for approximately 44% of health insurance premiums in 2024 [6] - The health insurance industry is at a critical transformation stage, requiring innovation in products and enhanced collaboration with medical service providers to integrate "medical + insurance" [7]