深蓝财经 . 影响价值圈层！创立于2011年，关注中国最具价值公司，是新中产的财富顾问。 导语：上万名员工 人均年薪超30万，广州农商行一年超40亿元的薪酬成本可不低 。 继"反向讨薪"之后，银行"反向讨福利"再引热议。这次的主角是总资产超万亿元的港股上市银行广州农商银行（01551.HK)，该行要求员工退回 近三年发放的过节费，每人约1.4万元。 以下文章来源于深蓝财经 ，作者深蓝财经 截至2025年上半年，广州农商银行员工总数为13029人。若全员均需退回，总金额或达约1.8亿元。 这笔意外"回流"的资金，对于正面临业绩下滑与资产质量压力的广州农商行而言，虽不能从根本上扭转局面，至少也能在账面上减轻一点压力。 而随着银行业强化绩效薪酬的延期支付和追索扣回机制成为常态，未来类似的变相"退薪"要求，或许还会在更多银行出现。 捧着"银饭碗"的打工人，正越来越不易。 每人退回近1.4万元，银行回应称"规范发放" 据第一财经报道， 近日，多名某农商行员工在社交平台上发帖称，该行要求员工退回3年前至今的过节费。此事引发业内关注。 "要求先交2500元，剩余部分在工资中倒扣。"一名该行员工称。另一名员工也表示，没有看到 ...

Core Viewpoint - The article discusses the recent controversy surrounding Guangzhou Rural Commercial Bank's demand for employees to return holiday bonuses, highlighting the bank's financial struggles and the implications for employee morale and industry practices [3][5]. Group 1: Employee Refunds - Guangzhou Rural Commercial Bank is requesting employees to return holiday bonuses totaling approximately 1.4 million yuan per person, which could amount to around 180 million yuan if all employees comply [9][10]. - The bank justifies this action as a means to "further standardize the distribution of allowances and benefits" and claims it is in line with relevant regulations [11][18]. - Employees have expressed dissatisfaction, with many sharing their grievances on social media, indicating a growing discontent within the workforce [11][13]. Group 2: Financial Performance - The bank's total employee compensation for 2024 is projected to be 4.074 billion yuan, reflecting a 5.53% decrease year-on-year, marking the second consecutive year of decline [20][21]. - From 2022 to 2024, the bank's revenue decreased from 22.5 billion yuan to 15.8 billion yuan, and net profit dropped from 3.5 billion yuan to 2.1 billion yuan [23]. - In the first half of 2025, despite a 9.24% year-on-year revenue increase to 8.024 billion yuan, net profit fell by 6.83% to 1.374 billion yuan, indicating ongoing profitability challenges [23][26]. Group 3: Asset Quality Concerns - The bank's non-performing loan (NPL) ratio rose to 1.98% in the first half of 2025, reversing a two-year downward trend, with a significant portion of overdue loans posing a high risk of default [28][29]. - The bank is actively engaging in asset sales to mitigate risk, with plans to publicly auction a batch of debt assets valued at approximately 12.2 billion yuan [30][32]. - This marks the third consecutive year of significant asset disposals, with total debt transferred since 2023 reaching 48.11 billion yuan [32].

近日，多名广州农商银行员工在社交平台反映，该行要求员工退还自2022年至今发放的过节费，部分员 工退还总额接近1.4万元，引发社会广泛关注。对此，广州农商银行对媒体回应称，此举是为进一步规 范津贴福利发放，确保符合相关制度规定。 值得一提的是，按照相关规定，过节费应缴纳个税。那么，员工此前为过节费已缴纳的个人所得税又该 如何处理？银行要负什么责任？ 对此，上海新古律师事务所主任律师王怀涛在接受《华夏时报》记者采访时表示，根据个税"实收实 缴"原则，为回收的过节费已经缴纳的税款理应退还。同时，银行作为扣缴义务人有责任主动协助员工 办理退税手续，向税务机关提供退费证明并更正申报。 银行追讨过节费 "倒扣三年前至今的过节费""一共要退13900元，完全没商量"……近日，多名农商行员工在社交平台发 帖称，该行要求退回2022年以来发放的近1.4万元过节费，这些网帖均指向广州农商银行。 10月21日，《华夏时报》记者分别致电、致函该行披露电话及邮箱询问退回缘由，截至发稿前，未收到 回复。 近年来，业内通过"反向讨薪"让员工"吐出"已领报酬的事情时有发生。今年就有10家上市银行披露了 2024年"反向讨薪"情况，累计追索 ...

Core Viewpoint - Guangzhou Rural Commercial Bank's demand for employees to return holiday bonuses issued since 2022 has sparked widespread public concern, with some employees reportedly needing to return a total of approximately 14,000 yuan [2][3]. Group 1: Company Response and Regulations - The bank stated that the action is aimed at further standardizing the issuance of allowances and benefits to ensure compliance with relevant regulations [3]. - According to the revised guidelines for grassroots union fund management in Guangdong Province, holiday gifts should not exceed 3,000 yuan per person annually and cannot be issued in cash or vouchers [3]. - The bank has a responsibility to assist employees in handling tax refunds for the holiday bonuses that have already been taxed [4]. Group 2: Tax Implications - Employees who have already paid personal income tax on the returned holiday bonuses should be eligible for a tax refund, as the income no longer exists [4]. - The bank, as the withholding agent, is required to provide tax authorities with refund proof and correct declarations [4]. Group 3: Industry Context - The practice of reclaiming holiday bonuses has occurred in the banking industry before, with instances of banks requesting former employees to return holiday payments due to compliance issues [5]. - The concept of "reverse salary recovery" has become a common management mechanism in the banking sector, where banks reclaim performance-related pay from employees due to misconduct or risk exposure [6]. - Experts suggest that while the recovery of holiday bonuses may not become a widespread trend, the management of welfare compliance will continue to strengthen in the industry [6].

Core Viewpoint - The recent trend of large-scale asset disposals by banks, particularly in the context of non-performing loans, reflects a strategic shift towards optimizing asset structures and enhancing the ability to serve the real economy [1][4][6]. Group 1: Asset Disposal Plans - Bohai Bank plans to transfer nearly 700 billion yuan of debt assets through a public listing, marking its largest asset disposal action in recent years [1][2]. - The total amount involved in Bohai Bank's asset transfer includes approximately 499.37 billion yuan in principal, 104.36 billion yuan in interest, 93.34 billion yuan in penalties, and 1.26 million yuan in judicial fees, totaling 698.33 billion yuan with a book net value of about 483.10 billion yuan [2]. - Guangzhou Rural Commercial Bank announced a plan to transfer approximately 189.28 billion yuan of debt assets, continuing its trend of significant asset disposals for the third consecutive year [3]. Group 2: Market Trends and Drivers - The recent surge in asset disposals is driven by multiple factors, including the need for efficient handling of non-performing loans and the positive outcomes from previous loan transfer trials [4][6]. - The overall non-performing loan rate for commercial banks was reported at 1.49% as of June, with significant variations among different types of banks, indicating ongoing asset quality pressures [5][6]. - The trend of large asset transfers is seen as a shift from passive disposal to proactive management, with banks aiming to enhance risk management and optimize capital usage [6][7]. Group 3: Implications for the Banking Sector - The asset transfer initiatives are expected to improve asset quality, reduce risk asset occupation, and enhance capital adequacy and profitability for the banks involved [2][3]. - The current environment suggests a broader participation from various banking institutions in asset disposals, indicating a comprehensive approach to managing non-performing loans across the sector [6]. - Experts suggest that banks should adopt diverse strategies for handling non-performing assets, including cash recovery, self-write-offs, and asset securitization, to improve disposal efficiency [7].

广州农商银行表示，本次出售资产的最终代价将取决于最终交易价格。出售资产的初步最低代价总额预计约为122亿元。出售资产的最终代价预计不低于上 述初步最低代价总额。 日前，广州农商银行发布公告称，董事会于当日批准该行有条件出售部分资产。截至2025年6月30日，出售资产的本金金额约为149.78亿元、相应利息金额 合计约38.97亿元，代垫司法费用金额合计约为0.51亿元，违约金合计约为0.02亿元，债权金额合计约为189.28亿元。考虑表内应收利息和资产减值准备等因 素后合计抵减28.46亿元，出售资产未经审计账面价值约为121.32亿元。 从行业来看，广州农商银行此次拟转让不良资产主要来自租赁和商务服务业、房地产业、批发和零售业，在资产包中占比分别为38.78%、20.46%、 16.27%。 对于募集资金用途，广州农商银行表示，拟用于该行之一般性运营资金。出售资产转让后将有效降低不良贷款率和拨备计提额、提升效益水平。该行将会根 据实际业务需要使用所得资金。 ...

据第一财经报道，近日多名广州农商行员工在社交平台反映，该行要求退回2022年以来发放的过节费，每人合计接近1.4万元。对此，广州农商行 回应称，此举是为进一步规范津贴福利发放，确保符合相关制度规定。 据员工透露，此次退费并未发布书面通知，而是通过各分支行行长逐级口头传达。退款将分阶段执行，首期需缴纳2500元，剩余部分将从后续工 资中扣除。有员工分析，此次退费或与过节费发放存在合规性问题有关。 广州农商行在回应中表示，已就此事向全行员工说明情况，并称绝大部分员工表示理解与支持。 据了解，类似银行要求员工退回过节费的情况此前亦有发生。2022年，就曾有银行员工被要求退回2019年"冬至"节日费600元，整改依据为巡查要 求。 公开信息显示，广州农村商业银行的前身是始建于1951年的广州市农村信用合作社，1998年9月成立广州市农村信用合作社联合社，2006年11月完 成统一法人体制改革后成立广州市农村信用合作联社。2009年12月11日经银监会批准正式开业，成为立足粤港澳大湾区、专注服务"三农"与城乡 经济发展的金融机构，总部位于广州。 8月28日晚间，广州农商银行发布2025年中期业绩报告。报告期内，该行实现 ...

Core Points - A local bank has requested employees to return holiday bonuses received over the past three years, which has sparked industry attention [1] - Employees reported being asked to return a total of approximately 14,000 yuan, with an initial payment of 2,500 yuan required upfront, followed by deductions from their salaries [1] - The bank stated that this action is part of efforts to standardize the distribution of allowances and benefits in compliance with relevant regulations [1] Group 1 - The bank involved is Guangzhou Rural Commercial Bank, which has faced scrutiny due to the holiday bonus refund requests [1] - Previous instances of banks requesting the return of holiday bonuses have been noted, including a case in 2022 where an employee was asked to return 600 yuan for a holiday bonus due to compliance issues [1] - The Guangdong Provincial Federation of Trade Unions issued guidelines earlier this year regarding the management of grassroots union funds, which may relate to the compliance issues surrounding holiday bonuses [2] Group 2 - The guidelines specify that holiday gifts can be given to union members during national holidays, with a total annual amount not exceeding 3,000 yuan per person [2] - The distinction between refunding holiday bonuses and "reverse salary claims" is highlighted, with the latter being a common practice among banks, especially listed ones, to recover performance-related pay due to violations or risks [2] - Since the implementation of the performance pay recovery mechanism in early 2021, 13 listed banks have disclosed specific amounts recovered, totaling nearly 300 million yuan over three years [2]

#广州农商行回应要求员工退过节费# 【#银行员工被要求退3年过节费#？广州农商行回应】近日，多名 某农商行员工在社交平台上发帖称，该行要求员工退回3年前至今的过节费。此事引发业内关注。"要求 先交2500元，剩余部分在工资中倒扣。"一名该行员工称。另一名员工也表示，没有看到相关的书面通 知，而是由各（分支行）行长一层一层口头传达的，要求员工将2022年后的所有过节费退回，每人合计 接近1.4万元，第一期先退2500元，后续的从工资里扣。还有员工透露，上述过节费或涉及合规问题， 因此被要求退回。记者发现，上述网帖均指向广州农商行。就此，记者向该行求证，广州农商行回应 称："一方面，这是我行进一步规范津贴福利发放，确保符合相关制度和规定；另一方面，我行也向全 行员工说明了相关情况，绝大部分员工予以理解和支持。"（第一财经，泽塔） ...

还有员工透露，上述过节费或涉及合规问题，因此被要求退回。 第一财经发现，上述网帖均指向广州农商行。就此，第一财经向该行求证， 广州农商行回应称："一方面，这是我行进一步规范津贴福利发放，确保符合 相关制度和规定；另一方面，我行也向全行员工说明了相关情况，绝大部分员工予以理解和支持。" 2025.10. 19 本文字数：1120，阅读时长大约2分钟 作者 | 第一财经 安卓 近日，多名某农商行员工在社交平台上发帖称，该行要求员工退回3年前至今的过节费。此事引发业内关注。 "要求先交2500元，剩余部分在工资中倒扣。"一名该行员工称。另一名员工也表示，没有看到相关的书面通知，而是由各（分支行）行长一层一层口头 传达的， 要求员工将2022年后的所有过节费退回，每人合计接近1.4万元，第一期先退2500元，后续的从工资里扣。 根据实施细则，基层工会逢年过节可以向全体会员发放节日慰问品。逢年过节的"年节"是指国家规定的法定节日（即元旦、春节、清明节、劳动节、端 午节、中秋节和国庆节）。节日慰问品 原则上为符合中国传统节日习惯的用品和职工群众必需的生活用品等。年度总额一般不超过人均3000元。可结合 实际采取便捷灵活的 ...