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中原银行(01216) - 2025年第一次临时股东大会的投票表决结果;及变更本行总部住所及修订本行...
2025-08-20 11:54
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 ...
从“一碗面”,看鹰城大地的“小微发展经”
Huan Qiu Wang· 2025-08-18 10:13
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]
中原银行郑州分行开展系列宣传活动 普及国库知识
Huan Qiu Wang· 2025-08-18 10:09
Core Viewpoint - The article highlights the 40th anniversary of the People's Bank of China managing the national treasury, emphasizing the importance of public awareness regarding treasury operations and the role of banks in this context [1] Group 1: Treasury Awareness Campaign - The Zhengzhou branch of Zhongyuan Bank has actively responded to the national treasury's notification by organizing a series of promotional activities to enhance public understanding of treasury work [1] - Various promotional methods were employed, including setting up dedicated areas in bank branches, displaying electronic screens with the anniversary theme, and conducting grassroots educational activities [1] - Bank staff provided real-life examples to illustrate the close connection between the national treasury and daily life, showcasing the treasury's significant role in supporting national fiscal revenue and expenditure, macroeconomic regulation, and ensuring public welfare [1] Group 2: Future Initiatives - The promotional activities not only allowed the public to perceive the development changes of the national treasury over the past 40 years but also reinforced the bank's responsibility as an extension of treasury services [1] - Moving forward, the Zhengzhou branch of Zhongyuan Bank plans to continue enhancing treasury knowledge dissemination and improving service channels to better fulfill the treasury's functions of serving the nation and benefiting the public [1]
让平顶山美食饸饹面香飘四海|金融赋能民企 共绘发展新篇②
Sou Hu Cai Jing· 2025-08-18 03:25
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].
固定收益专题:区域角度看城农商行风险
GOLDEN SUN SECURITIES· 2025-08-15 06:11
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].
中原银行(01216)股东将股票由浦发银行转入中信证券经纪香港 转仓市值1.62亿港元
智通财经网· 2025-08-14 00:45
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]
中原银行股东将股票由浦发银行转入中信证券经纪香港 转仓市值1.62亿港元
Zhi Tong Cai Jing· 2025-08-14 00:44
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]
中原银行(01216.HK)拟8月28日举行董事会会议审批中期业绩
Ge Long Hui· 2025-08-13 08:37
格隆汇8月13日丨中原银行(01216.HK)宣布,董事会会议将于2025年8月28日(星期四)举行,藉以(其 中包括)审议及批准本行及其附属公司截至2025年6月30日止的六个月期间的中期业绩及其发布。 ...
中原银行(01216) - 董事会会议通知
2025-08-13 08:30
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。 ...
稳妥推进中小银行合并重组
Xin Hua Wang· 2025-08-12 06:26
Core Viewpoint - The recent approval for Zhongyuan Bank to absorb and merge with three other banks marks a significant development in the banking sector, highlighting the trend of consolidation among small and medium-sized banks in China [1][2]. Group 1: Merger and Acquisition Details - Zhongyuan Bank has received approval from the China Banking and Insurance Regulatory Commission to absorb and merge with Luoyang Bank, Pingdingshan Bank, and Jiaozuo Zhonglv Bank, taking on all their assets, liabilities, businesses, institutions, and employees [1]. - Post-merger, Zhongyuan Bank's total assets will exceed 1.2 trillion yuan, elevating its ranking among city commercial banks from 11th to 7th [1]. Group 2: Industry Trends - The pace of mergers and acquisitions among small and medium-sized banks has accelerated, with several banks like Sichuan Bank, Shanxi Bank, and Liaoshen Bank undergoing restructuring since 2020 [1]. - Regulatory encouragement has been a driving force behind these mergers, with the China Banking and Insurance Regulatory Commission advocating for quality banks and compliant institutions to participate in the consolidation of smaller banks [1]. Group 3: Benefits of Mergers - Mergers are expected to enhance banks' strength and risk resilience, as larger asset sizes correlate with better risk management capabilities [2]. - The consolidation allows banks to expand their business coverage and strengthen their core operations, particularly for profitable city and rural commercial banks seeking to invest in weaker regional banks [2]. Group 4: Performance Metrics - Zhongyuan Bank reported a revenue of 19.283 billion yuan in 2021, with a year-on-year growth of 0.8%, and a net profit of 3.565 billion yuan, growing by 8% [2]. - The bank's non-performing loan ratio stood at 2.18%, a slight decrease from the beginning of 2021, with new loan defaults maintained below 1% [2]. Group 5: Considerations for Future Mergers - Evaluating a bank's quality and risk resilience should consider not only asset size but also profitability and asset quality [3]. - Local governments should approach mergers cautiously, ensuring thorough understanding of internal equity structures and compliance to prevent potential risks during the consolidation process [3].