本项ABN最小单笔融资金额低至27.37万元，突破银行间债券市场传统服务边界，惠及中小型技术研发 企业。持票中小微客户综合融资成本较区域市场同类供应链融资成本下降逾30%，融资成本得到较大幅 度下降。另外，83%入池资产来自高新技术企业，精准契合以中国人民银行为代表的中央六部委下发的 《关于规范供应链金融业务 引导供应链信息服务机构更好服务中小企业融资有关事宜的通知》（以下 简称《银发〔2025〕77号》），对科创、民营企业具有融资支持导向，形成了"供应链票据+科创企业 +数字信息披露"标准化解决方案，为全国提供可推广样本。 本项目是浙商银行南昌分行落实《银发〔2025〕77号》文中关于"优化供应链中小企业融资环境，鼓励 发展多样化的供应链金融模式"的具体实践，通过盘活供应链应收账款，将核心企业信用转化为产业链 上下游的融资动能，直击中小企业"规模小、信用弱"的融资痛点。 下一步，浙商银行南昌分行将围绕江西省特色产业和产业集群，加强总分支联动，内外部协同，进一步 创新服务模式、提升服务质效，持续做实做优金融"五篇大文章"，为实体经济注入金融活水。（付绍 华） 日前，浙商银行南昌分行推动中国电建集团江西省电力建 ...

致：香港交易及結算所有限公司 公司名稱: 浙商銀行股份有限公司 (「本行」) 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7月31日 狀態: 新提交 呈交日期: 2025年8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) | 02016 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 5,920,200,000 | RMB | | 1 RMB | | 5,920,200,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 5,920,200,000 | RMB | | 1 RMB | | 5,920,200,000 | | 2. 股份分類 | 普 ...

8月4日金融一线消息，据国家金融监督管理总局温州监管分局行政处罚信息公开表显示，浙商银行股份有限公司温州分行因贷款"三查"不到位、金融产品销售行为不审慎等被罚款135万元。同时 以下为罚单详细信息： | 序 当事人名称 | 主要违法违规行为 | 行政处罚内容 | 作出决定机关 | | --- | --- | --- | --- | | 号 | | | | | | 贷款"三查"不到位； | | | | 1 浙商银行股份有限公司温州分行及 | | 对浙商银行股份有限公司温州分行罚款135万元；对陈伊凡警告；对周慧 | 国家金融监督管理总局温州 | | 相关责任人 | 金融产品销售行为不审慎；绩效考评指标设 | 警告；对张岑警告。 | 监管分局 | | | 置不合规。 | | | 责任编辑：小浪快报 ...

| 成交量 | 成交金额 | 成交价 | 相对当日收盘 | | | | --- | --- | --- | --- | --- | --- | | （万 | （万元） | 格 | 折溢价（%） | 买方营业部 | 卖方营业部 | | 股） | | （元） | | | | | 408.00 | 1383.12 | 3.39 | 0.00 | 兴业证券股份有限公司上 | 中信证券股份有限公司 | | | | | | 海锦康路证券营业部 | 总部(非营业场所) | （文章来源：证券时报网） 证券时报·数据宝统计显示，浙商银行今日收盘价为3.39元，下跌1.17%，日换手率为1.16%，成交额为 8.47亿元，全天主力资金净流入1329.81万元，近5日该股累计下跌2.02%，近5日资金合计净流入8429.83 万元。 两融数据显示，该股最新融资余额为15.32亿元，近5日增加2232.69万元，增幅为1.48%。（数据宝） 7月31日浙商银行大宗交易一览 浙商银行7月31日大宗交易平台出现一笔成交，成交量408.00万股，成交金额1383.12万元，大宗交易成 交价为3.39元。该笔交易的买方营业部为兴业证券股份有 ...

Core Viewpoint - Recent self-regulatory agreements from various banking and insurance associations aim to combat "involution" in the industry, focusing on prohibiting loan rebates and enhancing the qualifications of marketing personnel [1][2][10]. Group 1: Self-Regulatory Agreements - Multiple banking associations have issued self-regulatory agreements emphasizing the prohibition of loan rebates for housing and car loans, marking a new phase in the industry's "anti-involution" campaign [2][5]. - The Guangdong Banking Association plans to implement a comprehensive system to address "involution" competition, including a negative list and self-regulatory measures [2][3]. - The Ningxia Banking Association has recognized the negative impact of personal housing loan rebates on the health of the banking sector and the real estate market, prompting the need for effective regulation [3][4]. Group 2: Impact on Banking Practices - The implementation of self-regulatory agreements is expected to halt any form of rebate practices, contributing to a healthier competitive environment [4][5]. - The banking sector has seen a narrowing decline in net interest margins, with fees and commissions from banking and insurance businesses reduced by 5% compared to the same period in 2024 [2][5]. Group 3: Regulatory Actions and Compliance - Regulatory bodies are intensifying efforts to combat "full-staff marketing" violations, with recent penalties imposed on banks for assigning deposit assessment targets to non-marketing departments [6][7]. - The Financial Regulatory Authority has mandated that financial institutions strengthen the management of sales personnel qualifications, effective from February 1, 2026 [7][9]. Group 4: Insurance Industry Developments - The insurance sector is also advancing its "anti-involution" efforts, with associations in various regions promoting self-regulatory agreements to prevent malicious price competition and false advertising [10][11]. - The recent adjustments in the insurance industry, including a reduction in the preset interest rate for life insurance products to 1.99%, aim to regulate pricing and mitigate financial risks [11].

| 交易日期 | 证券简称 | 证券代码 | 成交价(元) 成交金额(万元) 成交量( * ) 买入营业部 | | | | 卖出营业部 | | --- | --- | --- | --- | --- | --- | --- | --- | | 2025-07-31 | 浙商银行 | eo191e | 3.39 | 1383.12 | 408 | 兴业证券股份有限 | 中信证券股份有限 | | | | | | | | 公司上海锦康路证 | 公司总部(非营业 | | | | | | | | Jake shops 11 dary | Land call and sell and | 7月31日，浙商银行大宗交易成交408万股，成交额1383.12万元，占当日总成交额的1.61%，成交价3.39元，较市场收盘价3.39元持平。 ...

Core Viewpoint - The article highlights the significant role of inclusive finance in supporting small and micro enterprises in Zhejiang, emphasizing the innovative financial solutions provided by Zheshang Bank to address the financing challenges faced by these businesses [2][3][11]. Summary by Sections Overview of Zhejiang's Economic Landscape - Zhejiang is a major province for private and small micro enterprises, with 3.5053 million registered private enterprises, accounting for 92.06% of the total, reflecting a 5.41% increase from the previous year [3]. Financing Challenges for Small Micro Enterprises - Different sectors face unique financing difficulties, particularly in agriculture where assets cannot be mortgaged, leading to a "no collateral" situation for many businesses [3]. - In manufacturing, small micro enterprises struggle with financing due to their small scale, weak risk resistance, and irregular financial information, resulting in a common issue of "difficult, slow, and expensive" financing [3]. Zheshang Bank's Innovative Financial Solutions - Zheshang Bank has developed a dual focus on scale and quality, as well as innovation and risk control, to create a robust financial support system for small micro enterprises [2]. - The bank has introduced tailored financial solutions such as "equipment loans" and "credit loans" to meet the specific needs of various industries [5][6]. Digital Transformation in Inclusive Finance - The application of financial technology is reshaping the service model of inclusive finance, with Zheshang Bank utilizing data analysis for proactive service delivery [7][8]. - The bank has implemented a 360-degree customer view report to accurately assess business conditions and has achieved 100% precise outreach to 16,000 quality clients [7]. Achievements in Inclusive Finance - As of June 2025, Zheshang Bank's inclusive loans for small micro enterprises reached CNY 355.37 billion, accounting for 20.58% of total loans, maintaining the top position among national banks [11]. - The bank's "thousand enterprises and ten thousand households" initiative has successfully provided credit to 38,910 small micro enterprises, with a total credit of CNY 127.7 billion [11]. Future Development Strategies - The bank aims to shift from scale expansion to quality prioritization, focusing on customer-centric comprehensive collaborative reforms and enhancing digital capabilities [12][13]. - Plans include leveraging artificial intelligence and other digital technologies to improve service efficiency and extend the reach of inclusive financial services [13].

Core Viewpoint - The banking sector in A-shares is experiencing a "small bull market" with 29 out of 42 listed banks showing gains as of July 28, driven by multiple positive factors and expected to present a structural market trend in the future [1][3][7] Group 1: Market Performance - On July 28, banks like Qilu Bank and Qingdao Bank saw significant intraday gains, with Qilu Bank rising over 5% and Qingdao Bank over 3% [1][3] - Year-to-date, the banking sector has shown a steady upward trend, with banks like Qingdao Bank, Shanghai Pudong Development Bank, and Xiamen Bank achieving over 30% gains [3][4] - Despite a brief fluctuation in July, the overall upward trend remains supported by low valuations and high dividend yields [3][4] Group 2: Fundamental Improvements - The banking sector's asset quality has improved significantly, with a decrease in non-performing loan ratios and stable provision coverage ratios [4][6] - The economic recovery expectations have alleviated net interest margin pressures, leading to a steady rebound in profitability [4][6] Group 3: Policy and Valuation Support - Regulatory support for the banking sector, including liquidity release and optimized regulatory assessments, has created a favorable external environment [4][5] - Long-standing low valuations of bank stocks, with price-to-book ratios generally below 1, are expected to undergo a correction as market risk appetite increases [4][5] Group 4: Capital Inflows - Continuous inflows of long-term funds, particularly from insurance capital seeking stable returns, have bolstered the banking sector [5][6] - The expansion of passive funds and foreign capital inflows since Q2 have further supported the upward movement of bank stocks [5][6] Group 5: Positive Feedback Loop - Rising bank stock prices enhance banks' financing capabilities, reducing equity financing costs and improving credit image [6][7] - The increase in core capital through convertible bonds can enhance banks' credit expansion capabilities, ultimately benefiting the real economy [7] Group 6: Future Outlook - Analysts predict a structural market trend for the banking sector, with a focus on banks with strong asset quality and profitability [7][8] - The second half of 2025 is expected to see a fluctuating upward trend in the banking sector, with particular attention on low-valuation banks and those with strong fundamentals [7][8]

金华磐安，"磐龙药谷"的千亩中药材基地里，农户老陈弯腰查看元胡长势，脸上洋溢着满足的笑 容。"以前种玉米，一亩地挣不到500元。现在把地租给企业，每亩保底1700元，还能在基地打工，一年 能多赚3万多元。" 老陈生活的变化，是近年来浙江推进山区海岛县高质量发展工作成效的缩影。 近日，浙江省召开山区海岛县高质量发展工作推进会，加速推进区域协调发展。作为唯一一家总部在浙 江的全国性股份制商业银行，浙商银行（601916）以"深耕浙江"为首要战略，制定《浙商银行助力山区 海岛县高质量发展服务方案》，聚焦山区海岛县经济社会与产业发展薄弱环节，以"一县一策""一业一 品"提供金融帮扶，如重点与丽水遂昌县、衢州龙游县开展山海协作结对帮扶。截至2025年6月末，浙商 银行在山区海岛县各项贷款总额540.96亿元，较年初增长12%。据悉，今年浙商银行还在全行范围开 展"共同富裕建设年"系列活动，推动更多"共富故事"在全国上演。 数智创新普惠服务架起助农"连心桥" 当前，数字金融产品正悄然改变传统的融资模式。浙商银行通过金融创新，采用线上化、数字化审批及 服务，持续加大对山区海岛县的资源配置力度，以金融之力促进农民致富增收。 ...

金融助力县域高质量发展的作用机制：三个核心功能 金融是国民经济的血脉，是国家核心竞争力的重要组成部分。在中国式现代化建设进程中，金融要立足 县域发展需要，以问题为导向，通过产业助推、风险缓释、治理润滑三大核心功能，深度融入县域经济 社会发展肌理，推动形成"产业升级—风险可控—治理高效"的良性循环，为县域高质量发展提供系统性 支撑。 产业助推功能 县域高质量发展离不开县域产业经济基础的支撑，而金融是推动县域产业转型发展的必要力量。然而， 不少县域经济发展仍未走出传统的粗放经营模式，发展动能和内生需求尚显不足。县域发展过程中如何 组织好各类要素、做好资源配置，重塑产业链的发展逻辑和循环机制就需要金融在其中发挥积极作用。 在县域产业振兴进程中，金融通过数字化手段持续提升服务效率，以信息中介作用促进多元协同，并借 助资源配置能力强化要素整合，建立起了多方位的产业助推功能。近年来，随着数字经济技术不断壮 大，我国数字金融加快发展，以大数据、人工智能等技术为代表的新质生产力和生产要素与金融产品服 务深度融合，成为推动产业发展的催化剂。各类数据要素的价值通过数字金融手段不断放大，信息不对 称程度持续降低，为县域经济社会能级 ...