来源：21世纪经济报道 你有多久没用过ATM扫码存款了？ 日前，招商银行发布公告称， 该行将于4月9日起停止ATM扫码存款服务 ，后续，客户可持银行卡，通过招商银行ATM或前往该行营业网点办理存款业 务。 近年来， 多家银行都在收紧无卡存取款业务 。谈及调整此类业务的原因，多家银行表示，是基于优化金融服务、风险管理以及成本效率等方面的考量。 01 近一年来，超50家银行暂停各类无卡业务 据不完全统计，近一年来已经有超过50家银行机构宣布，停止无卡存款、无卡取款、扫描取款等各类业务。 去年三、四月份 多家国有大行率先作出调整 比如， 工商银行 率先表示，其个人手机银行无卡取现功能已于去年4月17日起暂停服务，客户可通过ATM机手机银行扫码取现功能提取现金，或在ATM机 上插卡提现。 交通银行 随后发布公告称，于2024年5月24日起停止个人手机银行无卡取款功能中的预约取款服务。客户仍可通过交通银行智能机具办理有卡取款、扫码 取款或前往银行营业网点办理取款业务。 去年下半年 多家股份行、头部城商行持续跟进 去年6月4日， 民生银行 发布公告称，将于2024年6月7日起停止个人手机银行"ATM无卡取现"功能，现金机 ...

Core Insights - The establishment of a four-level coordination mechanism for financing support to small and micro enterprises aims to enhance the efficiency and quality of financial services provided to these businesses [1][6][9] Group 1: Policy and Mechanism - The financial regulatory authority and the National Development and Reform Commission have initiated a mechanism to improve financing for small and micro enterprises, focusing on information sharing and tailored support [1][6] - Local governments have formed specialized teams to address the unique financing challenges faced by small and micro enterprises, breaking down previous departmental silos [6][7] Group 2: Loan Growth and Performance - Major state-owned banks have reported significant growth in inclusive small and micro enterprise loans, with Agricultural Bank of China, Industrial and Commercial Bank of China, and China Bank showing growth rates exceeding 29% [2][3] - As of February 2025, the total balance of inclusive small and micro enterprise loans in China approached 34 trillion yuan, with a year-on-year growth rate of 12.6%, outpacing other loan categories by 5.7 percentage points [4][6] Group 3: Case Studies and Implementation - Local teams have successfully facilitated financing for specific enterprises by addressing regulatory hurdles and providing necessary documentation to banks, demonstrating the effectiveness of the new coordination mechanism [7][8] - The focus has shifted from merely providing loans to ensuring the quality and suitability of financial products for small and micro enterprises, highlighting the importance of personalized solutions [8][9]

Core Viewpoint - Minsheng Bank aims to be a partner for private enterprises, targeting over 1.5 trillion yuan in loans to private enterprises in 2024, accounting for nearly 40% of total loans [1] Financial Performance - In 2024, Minsheng Bank's total assets reached 7.8 trillion yuan, a 1.8% increase year-on-year, with loans amounting to 4.45 trillion yuan, up 1.5% [4] - The bank's operating income was 136.3 billion yuan, a decrease of 3.2% from the previous year, while net profit fell by 9.8% due to increased risk provisions and technology investments [4][5] - The net interest margin for 2024 was 1.39%, down 7 basis points year-on-year, but the decline was less than the industry average [6] Asset Quality - The non-performing loan (NPL) ratio was 1.47%, a slight decrease of 0.01 percentage points year-on-year, marking four consecutive years of decline [7] - The bank recovered 67.4 billion yuan in non-performing assets in 2024, with cash recovery of 10.2 billion yuan from written-off assets [7] Real Estate and Financing Platform - The NPL ratio for the real estate sector was 5.01%, with a decrease in both the amount and rate of new NPLs compared to 2023 [8] - The financing platform debt balance was 98.257 billion yuan, down 26% year-on-year, indicating manageable risk levels [8] Specific Loan Cases - The loan balance for Dongfang Group was 7.694 billion yuan, reduced by approximately 1.9 billion yuan from the previous year, with provisions made based on risk assessments [9] - The loan balance for Fan Hai Group was 18.484 billion yuan, with provisions also made considering the risk profile [9] - The loan balance for Evergrande Group was 9.1 billion yuan, primarily for real estate projects, with provisions in place to mitigate potential impacts on the bank's operations [10]

Core Viewpoint - Minsheng Bank has strengthened its balance sheet and enhanced its resilience to navigate through economic cycles, as highlighted by Chairman Gao Yingxin during the 2024 performance communication meeting [1]. Group 1: Financial Performance - Minsheng Bank's total assets reached 7.8 trillion yuan, indicating a positive operational trend [2]. - The net interest margin has stabilized, with a year-on-year decline of 7 basis points, but the rate of decline has narrowed [3]. - The bank's non-performing loan ratio stood at 1.47% at the end of last year, marking a four-year consecutive decline [3]. - The core Tier 1 capital adequacy ratio has increased from 9.17% in 2022 to 9.36% in 2024, reflecting effective capital management [3]. Group 2: Business Strategy - The bank aims to maintain its competitive edge in supply chain finance, which has seen significant growth, with a balance of 310.4 billion yuan and a 115% increase in core customer numbers [3][9]. - Minsheng Bank is focusing on small and medium-sized enterprises (SMEs) as a key business strategy, with SME loan balances nearing 1 trillion yuan and a compound annual growth rate of 20% over the past three years [8]. - The bank has implemented a comprehensive customer service model that includes account services, payment settlements, and credit services tailored to the lifecycle of clients [8]. Group 3: Retail Business Development - The bank's retail assets under management (AUM) approached 3 trillion yuan, with a year-on-year increase of 7.87% [12]. - The average cost of personal deposits decreased to 2.16%, down 11 basis points year-on-year, indicating improved cost management [12]. - The number of retail customers reached 130 million, with a growth rate of 5.99% [12]. Group 4: Supply Chain Finance - Minsheng Bank has established a diverse product system for supply chain finance, enhancing efficiency through digital solutions [10]. - The bank has shifted to a data-driven risk assessment model, utilizing transaction and logistics data for credit evaluations [10]. - A dedicated supply chain team has been formed to improve internal collaboration and service delivery [11]. Group 5: Future Outlook - The management expresses confidence in the bank's strategic transformation and its ability to enhance operational efficiency and customer service quality [16].

民生银行在复杂的金融市场环境中，通过积极调整业务结构，展现出较强发展韧性。2024年年报显示， 民生银行实现集团营业收入1,362.90亿元，同比下降3.21%；归属于母公司股东的净利润322.96亿元，同 比下降9.85%；资产总额78,149.69亿元，比上年末增长1.82%；不良贷款率1.47%，比上年末下降0.01个 百分点；核心一级资本充足率9.36%，比上年末上升0.08个百分点。 总体来看，民生银行2024年财报稳中有进、态势向好。营业收入同比降幅逐季收窄，各季度累计降幅分 别为6.80%、6.17%、4.37%、3.21%，降幅优于同业水平；其中，三、四季度连续实现环比增长；全年 净息差1.39%，降幅同比收窄7BP，低于同业可比水平；下半年净息差1.41%，较上半年提升3BP。收入 与息差的企稳，主要由于全行客户基础、业务结构等因素的持续改善。 21世纪经济报道记者张欣 北京报道 "经过这几年持续夯基础、调结构，我们打造出一张更加健康、基础更加扎实的资产负债表，增强了穿 越周期的发展韧性。"4月1日下午，民生银行以网络直播的形式召开2024年度业绩交流会，董事长高迎 欣在会上如此表示。 过去 ...

年报中管理层讨论分析指出，净息差、房地产行业风险管控、非利息净收入等方面为重点关注问题。 此外，该行2024年年度权益分配预案指出，以总股本3546212.32万股为基数，向全体股东每10股派发现 金红利人民币0.62元，合计派发现金红利人民币21.99亿元。 营收净利润"双降" 净息差持续收窄 盈利方面，2024年，民生银行实现营业收入1362.90亿元，同比下降3.21%；实现归属于母公司股东的净 利润322.96亿元，同比下降9.85%。 | | | | 本报告期比 | | | --- | --- | --- | --- | --- | | | 2024年 | 2023年 | 上年同期 | 2022年 | | 经营业绩(人民币百万元) | | | 增减(%) | | | 营业收入 | 136,290 | 140,817 | -3.21 | 142,476 | | 利息净收入 | 98,690 | 102,431 | -3.65 | 107,463 | | 非利息净收入 | 37,600 | 38,386 | -2.05 | 35,013 | | 营业支出 | 101,946 | 103,230 | -1 ...

Core Viewpoint - Minsheng Bank reported a total asset of 78,149.69 billion yuan by the end of 2024, an increase of 1,400.04 billion yuan, or 1.82% year-on-year [1] Financial Performance - The total loan and advance amount reached 44,504.80 billion yuan, up by 656.03 billion yuan, or 1.50% year-on-year [1] - The net interest margin for 2024 was 1.39%, a year-on-year decrease of 7 basis points, with signs of stabilization in the second half of the year [1] - Total deposits amounted to 42,490.95 billion yuan, an increase of 1,843.63 billion yuan, or 4.54% from the previous half [2] Loan Growth and Focus Areas - Green credit, manufacturing loans, and inclusive small and micro enterprise loans grew by 22.41%, 9.38%, and 8.24% respectively, all exceeding the average loan growth rate [1] - Loans in key regions such as Beijing-Tianjin-Hebei, Yangtze River Delta, and Guangdong-Hong Kong-Macao Greater Bay Area accounted for 65.57% of total loans, up by 0.69 percentage points year-on-year [1] Customer Strategy and Growth - The number of strategic customers increased to 1,992, up by 303 from the previous year, with supply chain core customers rising to 2,494, an increase of 1,162 [2] - The number of institutional clients reached 39,637, reflecting a growth of 15.96% year-on-year [3] Small and Micro Finance - The balance of small micro loans was 8,551.02 billion yuan, an increase of 638.86 billion yuan year-on-year, with inclusive small micro enterprise loans at 6,627.18 billion yuan, up by 504.49 billion yuan [4] - The average interest rate for inclusive small micro enterprise loans was 4.27%, down by 38 basis points from the previous year [4] Retail Banking - Retail customers reached 13,429.02 million, a growth of 5.99% year-on-year, with private banking clients increasing by 12.48% to 62,100 [4] - Total assets of private banking clients amounted to 8,659.69 billion yuan, an increase of 890.27 billion yuan, or 11.46% year-on-year [4]

中国民生银行股份有限公司 自 2024 年 1 月 1 日 至 2024 年 12 月 31 日止年度财务报表 KPMG Huazhen LLP 8th Floor. KPMG Tower Oriental Plaza 1 East Chang Arı Avenue Beijing 100738 China Telephone +86 (10) 8508 5000 +86 (10) 8518 5111 Fax Internet kpmg.com/cn 近外椰型式外媒片做可好 (特殊普通合伙) 中国北京 东长安街1号 东方广场毕马威大楼8层 邮政编码:100738 电话 +86(10) 8508 5000 传真 +86 (10) 8518 5111 网址 kpmg.com/cn 审计报告 毕马威华振审字第 2508242 号 中国民生银行股份有限公司全体股东: 一、审计意见 我们审计了后附的中国民生银行股份有限公司(以下简称"民生银行")财务报表，包括 2024 年 12 月 31 日的合并及银行资产负债表，2024 年度的合并及银行利润表、合并及银行现 金流量表、合并及银行股东权益变动表以及相关财务报表附注。 ...

中国民生银行股份有限公司 内部控制审计报告 KPMGHuazhenLLP 8thFloor,KPMGTower OrientalPlaza 1EastChangAnAvenue Beijing100738 China Telephone +86(10)85085000 Fax +86(10)85185111 Internet kpmg.com/cn 毕马威华振会计师事务所 (特殊普通合伙) 中国北京 东长安街 1 号 东方广场毕马威大楼 8 层 邮政编码:100738 电话 +86(10)85085000 传真 +86(10)85185111 网址 kpmg.com/cn 内部控制审计报告 毕马威华振审字第 2508320 号 中国民生银行股份有限公司全体股东： 按照《企业内部控制审计指引》及中国注册会计师执业准则的相关要求，我们审计了中 国民生银行股份有限公司（以下简称"贵行"）2024 年 12 月 31 日的财务报告内部控制的有效 性。 一、 企业对内部控制的责任 按照《企业内部控制基本规范》、《企业内部控制应用指引》、《企业内部控制评价指 引》的规定，建立健全和有效实施内部控制，并评价其有效性是贵行董 ...

中国民生银行股份有限公司 2024 年度独立董事述职报告 根据《上市公司独立董事管理办法》《上海证券交易所上市 公司自律监管指引第 1 号——规范运作》"独立董事应当向上市 公司年度股东大会提交年度述职报告"相关要求，结合 2024 年 度工作情况，全体在任的六位独立董事及离任的两位独立董事分 别出具了 2024 年度独立董事述职报告，详见附件。 附件：1.2024 年度独立董事述职报告（曲新久） 2.2024 年度独立董事述职报告（温秋菊） 3.2024 年度独立董事述职报告（宋焕政） 4.2024 年度独立董事述职报告（杨志威） 5.2024 年度独立董事述职报告（程凤朝） 6.2024 年度独立董事述职报告（刘寒星） 7.2024 年度独立董事述职报告（解植春） 8.2024 年度独立董事述职报告（彭雪峰） 1 附件 1 2024 年度独立董事述职报告 （曲新久） 2024 年度，本人作为中国民生银行股份有限公司（以下简 称"民生银行"）独立董事，严格按照《公司法》《证券法》《上 市公司独立董事管理办法》《银行保险机构公司治理准则》、香 港联交所《企业管治守则》等境内外法律法规以及《中国民生银 行股份有 ...