Core Viewpoint - Jiangxi Bank's stock price has significantly declined, becoming a "penny stock" with a current trading price around 0.70 HKD per share, down from over 3 HKD in 2021, indicating a substantial drop over the past four years [1][5] Regulatory Penalties - Jiangxi Bank has faced multiple regulatory penalties throughout the year, totaling 6 fines amounting to 3.832 million RMB [4] - The bank was fined 400,000 RMB for illegal handling of non-performing loans and 1.2 million RMB for violations related to bank acceptance bills and other financial misconduct [1][2] - Additional fines included 672,000 RMB for violations of account management and data security regulations [2] Management and Corporate Changes - Jiangxi Bank underwent a leadership change in August 2022, with new appointments for key positions including the Chairman and President [4] - The bank is currently classified as a D-level underwriter in the non-financial corporate debt financing tools market, indicating weak business capabilities and lack of proactive expansion [4] Stock Market Performance - Jiangxi Bank was listed on the Hong Kong Stock Exchange on June 26, 2018, with an initial price of 6.39 HKD, but has since seen a drastic decline in its stock value [5]

Core Viewpoint - Jiangxi Bank has faced multiple regulatory penalties in 2023, indicating ongoing issues with loan management and compliance, which may impact its financial stability and reputation [1][4][6]. Regulatory Penalties - Jiangxi Bank's Nanchang Bayi Branch was fined 300,000 yuan for inadequate loan management, with key personnel facing severe penalties, including a lifetime ban for one individual [1][4]. - As of December 18, 2023, Jiangxi Bank has received 22 regulatory penalties totaling 4.777 million yuan, primarily related to loan management, credit information violations, anti-money laundering, foreign exchange management, and financial fraud [1][4][5]. - The largest penalty was 1.2 million yuan imposed on the bank's Ji'an Branch for multiple violations, with six responsible individuals fined a total of 540,000 yuan [5][6]. Financial Performance - For the first half of 2023, Jiangxi Bank reported revenue of 1.639 billion yuan, a year-on-year decline of 19.91%, and a net profit attributable to shareholders of 558 million yuan, down 10.53% [6]. - The bank's net interest margin has decreased for five consecutive years, standing at 1.40% as of June 2023, below the industry average of 1.42% [6]. - Investment income fell to 461 million yuan, a significant decrease of 65.88% year-on-year, attributed to market interest rate fluctuations and asset value reassessment [6]. Market Position - Jiangxi Bank, established in 1997 and listed on the Hong Kong Stock Exchange in 2018, has become a benchmark for local financial reform but has struggled with its stock price, which has hovered around 0.70 HKD per share, down from over 3 HKD in 2021 [3][7]. - The bank operates 22 primary branches, 27 functional departments, and 232 service outlets, achieving full coverage in Jiangxi Province and extending its services to Guangzhou and Suzhou [6].

Core Viewpoint - The strategic cooperation between Jiangxi Bank and Jiangxi Open University aims to create a comprehensive service system for the elderly, integrating financial services, education, and community support to enhance the quality of life for the aging population in Jiangxi Province [1][2][3]. Group 1: Strategic Cooperation - The partnership is a proactive response to national strategies and local development needs, emphasizing a commitment to serve the elderly community [2]. - Jiangxi Bank has positioned itself as a key player in the local financial sector, focusing on developing a comprehensive pension financial service system [2]. - The collaboration combines Jiangxi Bank's financial capabilities with Jiangxi Open University's educational resources to extend services into communities and classrooms [2][3]. Group 2: Service Network Development - The initiative includes the establishment of the first "Silver Age e-Station," which will provide various courses and services for the elderly, including financial literacy and health management [4]. - A three-dimensional service network is being constructed, leveraging Jiangxi Bank's 227 branches and Jiangxi Open University's educational points to enhance community engagement [5]. - The "Silver Age e-Station" will serve as a model for integrating financial services with educational offerings, creating a one-stop service for elderly clients [6]. Group 3: Community Engagement and Financial Products - Jiangxi Bank is launching the "Jiangyin Love the Elderly" service brand, focusing on community-based financial services and enhancing consumer protection for elderly clients [7]. - The bank is developing specialized financial products tailored to the needs of the elderly, such as low-threshold savings accounts and themed electronic deposit products [8]. - Community financing solutions are being introduced to meet diverse needs, including housing loans and consumer credit, aimed at improving the quality of life for residents [8]. Group 4: Future Outlook - Jiangxi Bank plans to continue integrating resources across various sectors to expand its service offerings, positioning itself as a benchmark for financial institutions serving the elderly [9]. - The collaboration with Jiangxi Open University is seen as a new starting point for enhancing community governance and supporting the aging population [9].

Group 1 - The core viewpoint of the article highlights the administrative penalties imposed on Jiangxi Bank's Nanchang Bayi Branch due to inadequate loan management practices [1][3] - Jiangxi Bank's Nanchang Bayi Branch was fined 300,000 yuan for its violations [1][3] - Key individuals involved faced various penalties, including a lifetime ban from the banking industry for Meng Rui, warnings for Ma Jiandong and Xiao Junwu, and a fine of 60,000 yuan for Xiao Junwu [1][3]

因本次业务调整给您带来的不便，深表歉意。感谢您的理解和支持！如有疑问，可致电江西银行客服热 线956055。 2025年12月11日，江西银行发布公告称，感谢您长期以来对江西银行OLA PAY业务的支持。因业务调 整，江西银行将于2026年3月1日起正式终止OLA PAY全部支付服务。服务终止后，您的OLA PAY账户 将无法正常使用。您可随时通过江西银行小程序办理OLA PAY电子账户余额退款。具体退款路径：登 录江西银行小程序--业务大厅--OLA PAY注销。 ...

下一步，交易中心将继续加强一、二级市场联动，携手市场参与主体提升资源配置效率，夯实金融服务 实体经济本职和社会责任担当。 下一步，交易中心将继续加强一、二级市场联动，携手市场参与主体提升资源配置效率，夯实金融服务 实体经济本职和社会责任担当。 未来，江西银行将继续坚守"服务城乡居民、服务中小企业、服务地方经济"的发展定位，进一步做强主 责主业、做精金融"五篇大文章"、做优服务生态，为谱写中国式现代化江西篇章贡献更多金融力量。 未来，江西银行将继续坚守"服务城乡居民、服务中小企业、服务地方经济"的发展定位，进一步做强主 责主业、做精金融"五篇大文章"、做优服务生态，为谱写中国式现代化江西篇章贡献更多金融力量。 12月9日，中国外汇交易中心支持江西银行股份有限公司（以下简称"江西银行"）在全国银行间债券市 场成功簿记发行2025年金融债券，本期债券发行规模40亿元，发行期限3年期，票面利率1.91%，全场 认购倍数2.7倍。本期募集资金将用于优化江西银行中长期资产负债匹配结构，增加稳定中长期负债来 源并支持新增中长期资产业务的开展。 12月9日，中国外汇交易中心支持江西银行股份有限公司（以下简称"江西银行"）在全 ...

Core Viewpoint - Jiangxi Bank is promoting the theme activity "Tracing the Footsteps of Red Financial Culture, Gathering Strength for Progress" to enhance the understanding of red financial culture among its members and the public, with over 3,500 participants involved in various learning and practice activities [1]. Group 1: Educational Activities - Various party organizations are utilizing the "Common Class" format to organize centralized learning on the history of financial development, inviting external experts for lectures that explain the essence and contemporary value of red financial spirit [2]. - The bank's party committee has organized training for grassroots party organization leaders and mid-level managers, offering specialized courses on topics such as "Innovative Practices of Red Finance in the Central Soviet Area" and "The Value of the Long March Spirit" [2]. - A "Common Reading" initiative has been implemented, encouraging members to engage with a series of books related to red finance, fostering discussions and reflections on the mission of early financial pioneers [4]. Group 2: Practical Learning - Grassroots party organizations are conducting on-site educational activities using local red financial resources, allowing participants to experience the historical development of red finance through exhibitions and historical sites [6]. - Some party organizations have designed experiential routes like "Rewalking the Red Financial Path," enhancing the appeal and engagement of the activities by visiting significant historical locations related to red finance [7]. Group 3: Integration of Learning and Practice - The theme activity combines theoretical teaching with experiential learning, utilizing various formats such as listening, reading, viewing, and discussing to encourage participants to reflect on the transmission and practice of red financial spirit in the modern era [9]. - The activities aim to instill a sense of responsibility and mission among participants, integrating the principles of serving the people, risk prevention awareness, and integrity into various operational aspects of the bank [9].

服务河道治理项目 来源：大江网 绿色发展是高质量发展的底色，新质生产力本身就是绿色生产力。江西银行积极践行"绿水青山就是金 山银山"，加力绿色金融，努力在服务区域经济发展中作出更大贡献。 支持绿色能源项目 助力南丰经济发展 江西银行持续加大对节能环保、绿色能源基础建设等领域的支持力度，加强总分联动，以"新江银心服 务"精准对接企业需求，助力地方经济向绿色低碳发展新赛道转型。 南丰某有限公司申请新增项目贷款9500万元,期限10年，拟用于县域绿色能源基础设施建设项目，主要 建设内容为23座电动汽车充电站及324个直流快充车位，2座电动工程车充电站及56个直流快充车位， 161个电动自行车站点及1.96万个充电车位。该项目既是绿色信贷项目，也是基础建设项目、民生项 目。项目实施后，将有效减少碳排放，大幅改善区域生态环境及产业发展环境。 分支行申报企业授信材料后，江西银行总行积极跟进，加强与分支行的"5+5"阳光讨论，结合国家政 策、行内信贷制度共同商议，采取"落实放款前提条件、明确贷款约束性条件、加强贷后管理"等措施优 化授信方案，实现"敏捷受理、快速审结、及时投放"，以担当作为为区域绿色发展提供了"金融支持"。 ...

Group 1 - The core point of the article is that Jiangxi Bank plans to issue a financial bond on December 9, 2023, with a scale of 4 billion yuan and a maturity of 3 years [1] - The funds raised from the bond issuance will be used to optimize the matching structure of medium- and long-term assets and liabilities [1] - The issuance aims to increase stable sources of medium- and long-term liabilities and support the development of new medium- and long-term asset businesses [1]

经济观察网中国货币网12月4日披露信息显示，江西银行股份有限公司将于2025年12月9日发行"江西银 行股份有限公司2025年金融债券"。 本期债券发行规模为人民币40亿元，期限3年。经东方金诚国际信用评估有限公司评定，发行人江西银 行的主体信用等级及本期债券信用等级均为AAA级。本期债券的牵头主承销商及簿记管理人为中国国 际金融股份有限公司。 ...