江西銀行股份有限公司 章程 1 | 目錄 | | --- | | 第一章 | 總則 | 3 | | --- | --- | --- | | 第二章 | 經營宗旨和業務範圍 | 6 | | 第三章 | 股份 | 7 | | | 第一節 股份發行 | 7 | | | 第二節 股份增減和回購 | 9 | | | 第三節 股份轉讓與質押 | 12 | | 第四章 | 股票和股東名冊 | 14 | | 第五章 | 黨委 | 18 | | 第六章 | 股東和股東會 | 21 | | | 第一節 股東 | 21 | | | 第二節 股東會的一般規定 | 30 | | | 第三節 股東會的召集 | 32 | | | 第四節 股東會的提案與通知 | 34 | | | 第五節 股東會的召開 | 37 | | | 第六節 股東會的表決和決議 | 41 | | 第七章 | 類別股東表決的特別程序 | 44 | | 第八章 | 董事會 | 47 | | | 第一節 董事 | 47 | | | 第二節 獨立董事 | 54 | | | 第三節 董事會 | 59 | | | 第四節 董事會秘書 | 66 | | | 第五節 董事會專門委員會 ...

格隆汇11月24日丨江西银行(01916.HK)公告，江西金融监管局已于2025年11月21日核准《公司章程》的 修订，修订后的《公司章程》自核准之日起生效自修订后的《公司章程》获核准之日起，本行不再设置 监事会，由董事会审计委员会行使《公司法》和监管制度规定的监事会职权，《江西银行股份有限公司 监事会议事规则》等监事会相关制度相应废止。 ...

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之內容概不負責，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 賴該等內容而引致之任何損失承擔任何責任。 JIANGXI BANK CO., LTD.* 江西銀行股份有限公司 * （於中華人民共和國註冊成立的股份有限公司） （股份代號：1916） 《公司章程》修訂獲江西金融監管局核准及不再設置監事會的公告 中國，南昌，2025年11月24日 截至本公告日期，本行董事會成員包括執行董事曾暉女士及駱小林先生；非執行 董事尹光星先生**、熊潔敏女士、李水平先生、彭曦遠先生及李秀宏先生**；以 及獨立非執行董事楊愛林先生、劉興華先生、王菲米蘭女士及何恩良先生。 2 * 江西銀行股份有限公司並非香港法例第155章《銀行業條例》所指認可機構，不受香港金融 管理局的監督，亦不獲授權在香港經營銀行╱接受存款業務。 ** 該等董事待國家金融監督管理總局江西監管局核准其董事任職資格後履職。 茲提述江西銀行股份有限公司（「本行」）日期為2025年6月4日的公告，及日期為 2025年6月6日的2024年度股東週年大會通函。除文義另 ...

近日，中国人民银行正式公布2024年度金融科技发展奖(以下简称"金发奖")获奖名单，江西银行联合中国人民银行江西省分行共同申报的《基 于可信空间的区域金融机构信息交互新模式》凭借突出的技术创新性与实践价值，荣获三等奖。这是江西银行在金发奖中获得的首个软科学类 奖项，实现江西银行在软科学理论研究领域从无到有的突破，同时也是2024年度江西省唯一获奖项目，标志着江西银行在区域金融数字化协同 创新领域的探索获得监管机构权威认可。 (责任编辑：张紫祎) | | | 2024年度立微科仅久做关状关坝口有半 | | | | --- | --- | --- | --- | --- | | 序号 | 项目名称 | 宽成单位 | 主要完成人 | 拟获奖等级 | | 163 | 智能客服及运程银行系统 | 甘肃省农村信用社联合社 | 朱国亮,周君、张瑜,陈忠旺、牛宠,赵颖、杨志国、王旭堂、张巨涛,刘发宗、马俊君 | 三等奖 | | 164 | 具备扫码支付能力的硬钱包侧新与应用 | 中国人民银行数字货币研究所, 中国银行股份有限公司, 招商银行股份有限公司, | 穆长春,狄刚、吕远、崔沛东、陈松、彭英玲、刘刚、陈杏峰、赵昕鹏,马 ...

Core Insights - Jiangxi Bank has been recognized as the ninth city commercial bank in China to sign the United Nations' Principles for Responsible Banking, highlighting its commitment to ESG practices [1] - The bank's case study, "Strengthening ESG Core to Forge a New Paradigm of 'Responsible Banking'," was selected as a "2025 Banking Industry ESG Brand Building Case," reflecting its achievements in corporate governance, green low-carbon transformation, and social responsibility [1] Group 1: ESG Recognition - Jiangxi Bank was awarded for its innovative practices in ESG-related fields, including green finance, inclusive finance, social welfare, risk prevention, and brand building [1] - The recognition is a testament to the bank's efforts in enhancing corporate governance and integrating ESG principles into its operational development [1] Group 2: Future Directions - Jiangxi Bank aims to continue serving urban and rural residents, small and medium-sized enterprises, and local economies while enhancing its sustainable development capabilities [1] - The bank plans to accelerate its specialized operations and deepen its ESG practices to contribute to local economic and social development [1]

FF301 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2025年10月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 江西銀行股份有限公司 呈交日期: 2025年11月4日 I. 法定/註冊股本變動 | 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) | 01916 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 1,345,500,000 | RMB | | 1 | RMB | | 1,345,500,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 1,345,500,000 | RMB | | | 1 RMB | | 1,345,500,000 | ...

Core Points - The article highlights the initiative taken by Jiangxi Bank's "Gan Jin Hong Dun" volunteer team to protect the financial rights of the elderly and fulfill the social responsibility of financial institutions [1][3] - The event focused on preventing illegal financial activities, providing convenience services, and engaging in cultural interactions with the elderly [1][3] Group 1 - Jiangxi Bank's "Gan Jin Hong Dun" volunteers emphasized the importance of educating the elderly about various illegal financial schemes, such as "health product sales with rebates" and "false pension investment projects" [3] - The volunteers used case studies and scenario simulations to reveal scam tactics, aiming to enhance the financial risk awareness of the elderly [3] - The initiative included community collaboration with local police to create a dual-dimensional educational matrix for financial safety [3] Group 2 - The event also provided information on elderly care policies, such as home modification subsidies and benefits for those over 80, ensuring that the elderly can access these resources [3] - Interactive games were organized to enrich the cultural experience of the elderly while fostering emotional connections [3] - The activity received positive feedback from the community and the elderly, showcasing the professional and caring service of Jiangxi Bank's volunteer team [3] Group 3 - Jiangxi Bank plans to continue organizing regular activities focused on financial safety education and convenience services for the elderly under the "Gan Jin Hong Dun" brand [3] - The bank aims to integrate financial safety and warm services into the elderly care scenario, contributing to the establishment of an elderly-friendly society [3]

Core Viewpoint - Jiangxi Bank has faced significant regulatory penalties and operational challenges, highlighting systemic issues in its internal control mechanisms and asset quality management [3][5][9]. Regulatory Penalties - On October 17, Jiangxi Bank was fined 1.06 million yuan for credit management violations, marking the second penalty at the headquarters level in 2025 [1]. - The bank and its branches have accumulated a total of five fines this year, exceeding 3.46 million yuan, with 11 responsible individuals held accountable [2][5]. - The penalties cover various compliance failures, indicating a widespread issue rather than isolated incidents [6]. Asset Quality and Financial Performance - As of June 2025, Jiangxi Bank's non-performing loan (NPL) ratio rose to 2.36%, surpassing the average of 1.76% for city commercial banks, with a significant increase of 0.21 percentage points since the beginning of the year [7]. - The bank's provision coverage ratio has decreased to 154.85%, indicating a narrowing buffer against potential losses [7]. - The bank's revenue for the first half of 2025 was 4.604 billion yuan, a decline of 19.99% year-on-year, while net profit fell by 9.64% to 583 million yuan [8]. Management Challenges - The bank's current difficulties stem from a leadership crisis that began in 2022, leading to significant governance failures and a lack of internal controls [9][10]. - Despite the appointment of new management in 2022, the bank's asset quality has not improved significantly, with the NPL ratio remaining above 2% [12]. - The market has reacted negatively, with Jiangxi Bank's stock price plummeting over 88% since its IPO, reflecting deep investor skepticism regarding its asset quality and future profitability [12][14].

Core Viewpoint - Jiangxi Bank is facing significant challenges related to internal control management and asset quality, highlighted by multiple regulatory fines and deteriorating financial performance [2][3][4]. Regulatory Issues - Jiangxi Bank was fined 1.06 million yuan for violating credit information regulations, with additional fines totaling 670,000 yuan for its Suzhou branch due to multiple violations [3]. - Since 2025, Jiangxi Bank and its branches have received five fines from financial regulators, totaling over 2 million yuan, indicating ongoing compliance issues [3][4]. Financial Performance - As of June 2025, Jiangxi Bank reported a non-performing loan (NPL) balance of 8.617 billion yuan, with an NPL ratio of 2.36%, which is significantly higher than the industry average of 1.76% [4]. - The bank's revenue and net profit for the first half of 2025 decreased by approximately 20% and 10%, respectively, with credit impairment losses accounting for over 60% of revenue [4][6]. Management Changes - The bank has undergone significant leadership changes since 2022, including the resignation and investigation of its former chairman and several executives, which has contributed to its current challenges [5][6]. - New executives have been appointed, including two new vice presidents in 2025, indicating a shift in management strategy [7][8]. Asset Quality Concerns - The bank's NPL rate in the real estate sector reached 19.07%, with wholesale and retail sectors also contributing significantly to the overall NPL figures [4]. - The decline in asset quality has been exacerbated by previous management practices, leading to a persistent high NPL ratio [5][6]. Market Valuation - Jiangxi Bank's stock price has plummeted from around 6 HKD at its IPO in 2018 to approximately 0.7 HKD, reflecting a significant discount in market valuation compared to its net assets [8].

Core Points - The People's Bank of China has imposed fines on Jiangxi Bank for violations related to credit information collection, provision, and management regulations [1][2] - The total fine imposed on Jiangxi Bank amounts to RMB 1.06 million, with individual fines of RMB 10,000 each for two responsible employees [1][2] Summary by Category Company Actions - Jiangxi Bank was fined RMB 1.06 million for failing to comply with credit information regulations [1][2] - Two employees, Xu and Zhou, were held responsible for the violations and fined RMB 10,000 each [1][2] Regulatory Response - The fines were issued by the Jiangxi Provincial Branch of the People's Bank of China on October 15, 2025, with the public disclosure period starting from October 17, 2025, to October 16, 2028 [1][2]