浙商銀行股份有限公司 2025年第二次臨時股東大會 會議資料 二〇二五年十二月三十一日 | 1、会议议程 2 | | --- | | 2、会议须知 3 | | 3、浙商银行股份有限公司2025年第二次临时股东大会议案材料 5 | | （1）关于不再设置监事会的议案 5 | | （2）关于修订《浙商银行股份有限公司章程》的议案 6 | | （3）关于修订《浙商银行股份有限公司股东大会议事规则》的议案 119 | | （4）关于修订《浙商银行股份有限公司董事会议事规则》的议案 140 | 会议须知 会议议程 会议召开时间：2025年12月31日（星期三）15点30分 会议召开地点：中国浙江省杭州市上城区民心路1号浙商银行总行大楼 召集人：浙商银行股份有限公司董事会 会议议程： （四）关于修订《浙商银行股份有限公司董事会议事规则》的议案 2 一、宣布会议开始 二、宣读会议注意事项 三、推选计票人、监票人 四、审议各项议案 （一）关于不再设置监事会的议案 （二）关于修订《浙商银行股份有限公司章程》的议案 （三）关于修订《浙商银行股份有限公司股东大会议事规则》的议案 五、统计出席会议股东的人数、代表股份数 六、对议案投 ...

证券代码：601916 证券简称：浙商银行 公告编号：2025-054 浙商银行股份有限公司 关于召开2025年第二次临时股东大会的通知 本公司董事会及全体董事保证本公告内容不存在任何虚假记载、误导性陈述 或者重大遗漏，并对其内容的真实性、准确性和完整性承担法律责任。 重要内容提示： 一、 召开会议的基本情况 (一) 股东大会类型和届次 2025年第二次临时股东大会 (二) 股东大会召集人：董事会 召开的日期时间：2025 年 12 月 31 日 15 点 30 分 召开地点：中国浙江省杭州市上城区民心路 1 号浙商银行总行大楼 (五) 网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自2025 年 12 月 31 日 至2025 年 12 月 31 日 采用上海证券交易所网络投票系统，通过交易系统投票平台的投票时间为股 东大会召开当日的交易时间段，即 9:15-9:25，9:30-11:30，13:00-15:00；通 股东大会召开日期：2025年12月31日 （星期三） 股权登记日：2025年12月24日（星期三） 本次股东大会采用的网络投票系统：上 ...

12月10日，浙商银行、渝农商行发布公告宣布拟取消监事会。据不完全统计，今年以来，已超20家银行宣布不再设立监事会或披露相关计划。 业内人士指出，取消监事会的银行将由董事会审计委员会承接监事会职权，这有助于提升公司治理效率、降低运营成本，但需确保监督的独立性、专业性 与有效性。 多家银行不再设立监事会 12月10日，浙商银行发布第七届董事会2025年第九次临时会议决议公告，会议审议通过了《关于不再设置监事会的议案》，该议案尚需提交股东大会审议 通过。 随后，浙商银行发布H股公告显示，根据《中华人民共和国公司法》以及中国证监会、金融监管总局关于不设置监事会的有关规定，浙商银行拟不再设置 监事会，由该行董事会审计委员会承接法律法规规定的监事会职权，在董事会中设置职工董事，并相应修订公司章程。该行各项规章制度中涉及监事会、 监事的规定将不再适用。此次调整自该行股东大会审议通过且收到金融监管总局的核准批复后生效。 同日，重庆农商行发布2025年第一次临时股东大会决议公告称，会议审议通过了该行不再设置监事会的议案。 此外，宁波银行于12月8日召开的临时股东大会已审议通过《关于不再设立监事会的议案》；贵阳银行12月5日公 ...

Core Viewpoint - The banking industry is intensifying credit card promotions and consumer loan activities to stimulate user spending as the "Double Twelve" shopping festival approaches, marking a shift from "scale expansion" to "quality cultivation" in banking operations [2][5]. Group 1: Credit Card Promotions - Major banks are launching various credit card discount activities across platforms like Taobao, JD.com, and Douyin, with specific offers such as discounts for spending thresholds [3][4]. - China Bank announced multiple promotions, including discounts for spending over 200 yuan on Taobao and JD.com, with potential savings reaching up to 188 yuan [3]. - Other banks, such as Zhejiang Merchants Bank, are offering unique promotions tailored to different spending scenarios, including significant discounts on food delivery and transportation services [3][4]. Group 2: Consumer Loan Incentives - Financial institutions are enhancing consumer loan offers, supported by national interest subsidy policies, to further activate consumer spending potential [6][7]. - Jianxin Consumer Finance is providing various incentives for new customers, including interest-free periods and random gift vouchers, to encourage borrowing [6]. - The national subsidy policy allows for a 1% interest rate reduction on personal consumption loans, effective from September 2025 to August 2026, covering various consumer needs [7]. Group 3: Market Dynamics and Strategy - The shift towards digital marketing and precise operations in the banking sector reflects a new phase in financial services, moving away from broad promotional strategies to targeted marketing [5]. - Analysts suggest that the collaboration with large platforms like JD.com allows banks to expand their reach without the need for building their own customer bases, facilitating a transition to managing the entire customer lifecycle [4][5]. - The ongoing asset scarcity and weak corporate loan demand are driving banks to focus on consumer loans, which have lower capital requirements and reduced risk weights, making them a strategic priority for maintaining net interest margins [7].

Core Viewpoint - Zhejiang Commercial Bank's Chongqing Branch has signed a cooperation agreement with the Chongqing Economic Information Commission to enhance the integration of innovation, industry, finance, and talent, aiming to promote high-quality development of the real economy in Chongqing [1][3]. Group 1: Financial Support and Collaboration - Over the next five years, Zhejiang Commercial Bank's Chongqing Branch plans to provide no less than 20 billion yuan in financing support for the high-quality development of the manufacturing industry in Chongqing, in line with national financial policies and its own credit standards [3]. - The collaboration will focus on key industrial clusters, strategic emerging industries, intelligent manufacturing, and green manufacturing, aiming to meet the diverse financial needs of manufacturing enterprises through innovative financial products and optimized service models [3]. Group 2: Service Capabilities and Industry Focus - The bank has been actively serving the real economy in Chongqing, leveraging its supply chain finance and digital service advantages to address financing challenges faced by small and micro enterprises in various sectors, including energy, automotive, and steel [3]. - The bank aims to enhance its supply chain finance capabilities, focusing on modern manufacturing clusters and key industrial chains, while increasing financial support for advanced manufacturing and green low-carbon industries [3]. - Additionally, the bank will continue to leverage its strengths in innovation finance and talent banking to provide efficient and high-quality financial services to enterprises [3].

Core Insights - The article highlights how Zhejiang Merchants Bank's Beijing branch has transformed technology finance into an "ecological project" over five years, integrating a "good" gene into the entire lifecycle of innovative enterprises to provide precise financial support for small and beautiful tech companies [1] Group 1: Financial Solutions for Tech Enterprises - Zhejiang Merchants Bank's Beijing branch has developed a "10+N" financial advisor service system, which includes 10 types of "park loans" covering various financial needs from entry to transformation, along with additional customized services for precise empowerment [2] - The bank has introduced 30 types of financial products tailored to 15 major scenarios, including initial startup, R&D, and IPO, creating a comprehensive "toolbox" for tech enterprises [3] Group 2: Collaborative Ecosystem - The bank's "good financial" philosophy emphasizes a customer-centric approach, building a multi-party collaborative ecosystem involving government, banks, guarantee companies, and investment entities to support tech enterprises [4] - The bank has established a "risk-sharing pool" with local guarantee companies, providing up to 80% risk compensation for early-stage tech companies [5] Group 3: Digital Transformation - By 2025, the bank plans to launch the "Tech Innovation e-Station" digital platform, integrating 12 functions to streamline the loan process, significantly reducing processing time by 60% [6] - The bank aims to enhance service efficiency through a digital inclusive product system, allowing enterprises to complete the entire loan process online with minimal physical interaction [6]

Core Viewpoint - Zhejiang Zheshang Bank emphasizes its commitment to serving Zhejiang as its foundational principle and core advantage, integrating its development into the province's key initiatives for common prosperity and high-quality growth [1][8]. Group 1: Financial Performance - As of October 2025, the bank's total deposits in Zhejiang reached 626.6 billion yuan, with financing services exceeding 1.16 trillion yuan, showcasing its resilience in a complex macroeconomic environment [1][8]. - During the 14th Five-Year Plan period, Zhejiang Zheshang Bank provided over 4.5 trillion yuan in comprehensive financial support to the province, positioning itself as a key player in promoting common prosperity [1][8]. Group 2: Strategic Initiatives - The "Deepening Zhejiang" strategy was established as the bank's primary focus in 2022, initiating a three-year action plan to enhance its service offerings [2][9]. - The bank has implemented various innovative practices to support high-quality development, including maintaining the leading position in underwriting local government bonds and enhancing financial advisory services [4][11]. Group 3: County-Level Financial Services - The bank has developed a "3386" model for comprehensive financial service ecosystems in counties, which has been replicated across 11 cities in Zhejiang, achieving full coverage in areas like Hangzhou and Ningbo [5][12]. - To support the development of mountainous and island counties, the bank has established financial advisory studios in villages, focusing on understanding local industries and addressing the needs of small and micro enterprises [5][12]. Group 4: Innovative Financial Products - Zhejiang Zheshang Bank has introduced products like "Jian Ci Talent Loan" and "Jian Ci Digital Common Prosperity Loan," which do not require collateral but focus on the skills of artisans, thereby addressing funding challenges for traditional crafts [7][14]. - The bank aims to achieve a threefold increase in financing volume, customer base, and deposit scale, further embedding itself into the economic and social development of Zhejiang [14].

Investment Rating - The report assigns a "Buy" rating for the banking sector, indicating an expectation that stock prices will outperform the market by more than 10% over the next 12 months [40]. Core Insights - The growth of M2 is primarily driven by government and corporate leverage, with government leverage's contribution increasing from 23.9% in 2015 to 45.5% in 2025, while corporate leverage is expected to contribute 63.6% to M2 growth in 2025 [5][14]. - The report highlights a divergence between the social financing (社融) and M2 growth rates, indicating a liquidity accumulation in the financial system when the demand for financing from the real economy is insufficient, which can lead to a decline in bond yields [5][19]. - The expected social financing-M2 differential for 2026 is projected to be 0.56%, with a quarter-on-quarter increase of 33 basis points [32]. Summary by Sections M2 and Liquidity Analysis - M2 includes cash, personal deposits, corporate deposits, non-bank deposits, and deposits from non-deposit financial institutions. The main contributors to M2 growth are government and corporate leverage [5][13]. - The report discusses the relationship between the social financing-M2 differential and bond market performance, noting a shift in correlation since the second half of 2022 [5][19]. Social Financing Projections - For 2026, the report forecasts a total of 16.3 trillion yuan in new loans under the social financing framework, with a growth rate of 8.11% [32][34]. - The report anticipates that the net issuance of government bonds will reach 14.8 trillion yuan in 2026, with a focus on maintaining a proactive fiscal policy [34]. M2 Growth Forecast - The M2 growth rate for 2026 is projected at 7.55%, influenced by factors such as net fiscal deposits, the strengthening of the equity market, and cross-border capital flows [32][36].

北京商报讯（记者 孟凡霞 周义力）12月10日，浙商银行发布第七届董事会2025年第九次临时会议决议 公告，会议审议通过了《关于不再设置监事会的议案》。该议案尚需提交股东大会审议通过。 ...

12月10日金融一线消息，浙商银行发布公告，建议不再设立监事会，并对公司章程进行修订。根据《中 华人民共和国公司法》和相关监管规定，浙商银行拟由董事会审计委员会承接监事会的职权，并在董事 会设立职工董事。相关监事会的规章制度将被废止，新的调整将在股东大会审议通过后生效。 CZBANK 念 浙商银行 责任编辑：秦艺 12月10日金融一线消息，浙商银行发布公告，建议不再设立监事会，并对公司章程进行修订。根据《中 华人民共和国公司法》和相关监管规定，浙商银行拟由董事会审计委员会承接监事会的职权，并在董事 会设立职工董事。相关监事会的规章制度将被废止，新的调整将在股东大会审议通过后生效。 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 或完整性亦不要表任何聲明,並明確表示概不就因本公告全部或任何部分內容而產生或因綺賴 該等內容而引致的任何損失承擔任何責任。 CHINA ZHESHANG BANK CO., LTD. 浙商 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：2016) 建議不再設置監事會 建議修訂公司章程 K 暫停辦理股份過戶登記 ...