证券代码：601916 证券简称：浙商银行 公告编号：2025-030 浙商银行股份有限公司 关于召开2024年度股东大会的通知 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 2024年度股东大会 (二) 股东大会召集人：董事会 (三) 投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相 结合的方式 (四) 现场会议召开的日期、时间和地点 召开的日期时间：2025 年 6 月 13 日 14 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 601 会议室 (五) 网络投票的系统、起止日期和投票时间。 涉及融资融券、转融通业务、约定购回业务相关账户以及沪股通投资者的投 票，应按照《上海证券交易所上市公司自律监管指引第 1 号 — 规范运作》等有 关规定执行。 (七) 涉及公开征集股东投票权 不涉及 二、 会议审议事项 本次股东大会审议议案及投票股东类型 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 ...

Group 1 - As of May 14, 78 stocks reached a 52-week high, with Chang'an Renheng (08139), Hengchang Group International (01421), and Lehua Entertainment (02306) leading the high rate at 65.38%, 42.59%, and 38.52% respectively [1] - The closing price of Chang'an Renheng was 1.370, with a peak price of 2.580, indicating a significant increase [1] - Hengchang Group International closed at 0.690, reaching a high of 0.770, reflecting a 42.59% increase [1] Group 2 - Lehua Entertainment's closing price was 1.510, with a maximum price of 1.690, showing a 38.52% rise [1] - XL Ernan CO (07711) and XL Ernan CO-U had increases of 27.75% and 26.89% respectively, with closing prices of 125.000 and 15.960 [1] - Other notable stocks include Madison Holdings (08057) with a 25.00% increase and Du Fu Wine Group (00986) with a 17.48% increase [1] Group 3 - The report also highlights stocks that reached 52-week lows, with XI Ernan CO (07311) dropping by 36.46% to a closing price of 26.500 [3] - XI Ernan CO-U saw a decrease of 35.53%, closing at 3.386 [3] - Other stocks with significant declines include Touyun Biotechnology (01332) at -22.46% and Aoweiholdings (01370) at -16.67% [3]

Core Viewpoint - The concept of "善本金融" (Good Financial Practices) is presented as a new paradigm for financial development in China, emphasizing the integration of social value and digital technology to reshape the financial landscape [1][3]. Group 1: Financial Industry Changes - The financial industry is facing three major changes: a shift towards a service-oriented function, a digital transformation driven by technology, and a focus on high-quality development in a stock-based economy [2][4]. - The emphasis is on aligning financial services with social development, ensuring that financial resources are directed towards positive societal outcomes [2][4]. Group 2: "善本金融" Concept and Implementation - "善本金融" is defined by the principles of "善为魂" (Good as the Soul) and "数为用" (Data as the Tool), creating a financial ecosystem that prioritizes social value and integrates digital solutions [3][5]. - The practical framework includes six dimensions: awakening the social role of finance, deepening service scenarios, transforming business logic, directing capital towards good, facilitating supportive mechanisms, and promoting a culture of goodness [3][5]. Group 3: Cultural and Theoretical Perspectives - The importance of financial culture is highlighted, with a call for a blend of traditional Chinese values and modern financial governance principles to guide the development of the financial system [4][5]. - Experts recognize the need for a diversified financial approach that balances commercial, policy, developmental, and cooperative financing to meet the varied needs of the economy [5][6].

Core Insights - The article discusses the innovative financial services provided by Zheshang Bank to support technology-driven companies in Zhejiang, particularly focusing on the case of Fubao Intelligent Technology Co., Ltd. [3][4][6] Group 1: Financial Innovation - Zheshang Bank has developed a differentiated financial service system called "thousand people, thousand faces," which shifts the evaluation criteria for technology companies from traditional asset-based metrics to talent and innovation-based metrics [7][8] - The bank has established a "Talent Bank" to support high-level talent and technology enterprises, providing tailored financial products to meet their unique needs [7][10] Group 2: Case Study - Fubao Intelligent - Fubao Intelligent experienced significant growth in orders for its intelligent care robots in 2023 but faced financial pressure due to high upfront development costs and lack of collateral for traditional financing [5][6] - Zheshang Bank provided Fubao Intelligent with a 10 million yuan loan to alleviate its liquidity issues, demonstrating a proactive approach to understanding and addressing the financial needs of technology companies [6][8] Group 3: Broader Impact on Technology Sector - The bank's support has enabled Fubao Intelligent to set ambitious sales targets for 2025, with a credit limit approaching 100 million yuan, indicating a strong growth trajectory [6][10] - Zheshang Bank has served over 32,000 technology enterprises, providing financing exceeding 400 billion yuan, showcasing its commitment to fostering innovation and supporting the technology sector [8][11] Group 4: Future Directions - The bank is expanding its services to include cross-border financial solutions for technology companies looking to enter international markets, reflecting a growing trend in the industry [11][12] - Zheshang Bank aims to transform from a traditional funding provider to an ecosystem builder, emphasizing long-term partnerships and comprehensive service offerings for technology innovation [12]

Group 1 - The impact of "Trade War 2.0" has extended from macro policies to the operational "capillaries" of enterprises, presenting multi-dimensional challenges to supply chains, capital chains, and innovation chains [1] - The seminar titled "Survival Rules and Wealth under Trade War 2.0" was held, featuring discussions on risk response and wealth resilience in the context of global economic changes [1][3] - The event emphasized the need for enterprises to have long-term partners who can weather the storm together, highlighting that true wealth lies in the ability to navigate challenges rather than avoiding them [3][5] Group 2 - The Jinan branch of Zhejiang Commercial Bank is promoting a shift from "single financing" to "industrial ecosystem collaboration," enhancing comprehensive financial service capabilities with a global perspective [3][5] - Professor Dong Yanling analyzed the impact of the trade war on regional economies and wealth management, emphasizing that "policy sensitivity and financial tool innovation are key for enterprises to break through" [5] - The relationship between finance and enterprises is becoming increasingly intertwined, with a focus on collaborative development to navigate complex global economic changes [5]

证券代码：601916 证券简称：浙商银行 公告编号：2025-029 浙商银行股份有限公司 第七届董事会 2025 年第四次临时会议决议公告 二、通过《浙商银行股份有限公司 2025 年度业务经营计划》 表决结果：12票赞成，0票反对，0票弃权。 事会 2025 年第四次临时会议于 2025 年 4 月 29 日发出会议通知，以书面传签方 式召开，表决截止日为 2025 年 5 月 12 日。本公司董事会现有董事 12 名，实际 参与书面传签表决的董事共 12 名。本次会议的召开符合法律、法规、部门规章、 其他规范性文件和《浙商银行股份有限公司章程》的规定。 会议审议通过了以下议案： 一、通过《浙商银行股份有限公司 2025 年度财务预算报告》 表决结果：12票赞成，0票反对，0票弃权。 本议案已经公司董事会战略与可持续发展委员会审议通过。 本议案需提交股东大会审议。 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。 浙商银行股份有限公司（以下简称"本公司"或"浙商银行"）第七届董 本议案已经公司董事会战略与可持续发展委员会审 ...

证券代码：601916 证券简称：浙商银行 公告编号：2025-029 浙商银行股份有限公司 第七届董事会 2025 年第四次临时会议决议公告 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。 表决结果：12票赞成，0票反对，0票弃权。 本议案已经公司董事会战略与可持续发展委员会审议通过。 会议审议通过了以下议案： 一、通过《浙商银行股份有限公司 2025 年度财务预算报告》 表决结果：12票赞成，0票反对，0票弃权。 本议案已经公司董事会战略与可持续发展委员会审议通过。 本议案需提交股东大会审议。 二、通过《浙商银行股份有限公司 2025 年度业务经营计划》 浙商银行股份有限公司（以下简称"本公司"或"浙商银行"）第七届董 事会 2025 年第四次临时会议于 2025 年 4 月 29 日发出会议通知，以书面传签方 式召开，表决截止日为 2025 年 5 月 12 日。本公司董事会现有董事 12 名，实际 参与书面传签表决的董事共 12 名。本次会议的召开符合法律、法规、部门规章、 其他规范性文件和《浙商银行股份有限公司章程》 ...

Group 1 - The core viewpoint of the article highlights the recent surge in gold investment and the associated risks of using credit cards for speculative trading in gold, prompting several banks to issue warnings [1] - Major banks such as China Construction Bank, Industrial Bank, Guangfa Bank, and Zheshang Bank have emphasized strict control over credit card usage for gold trading, citing the rise of illegal activities that lure cardholders with promises of low thresholds and high returns [1] - The banks' announcements indicate that such practices violate credit card usage regulations and pose significant financial risks, as losses from gold price fluctuations could lead to additional costs for cardholders, including interest on overdue payments and negative credit records [1] Group 2 - According to relevant regulations, credit cards are intended solely for personal consumption by the cardholder and are prohibited from being used for investment purposes, including but not limited to precious metals like gold, stocks, and funds [1]

Investment Rating - The report maintains an "Increase" rating for the banking sector [5] Core Insights - The report highlights that by the end of 2024, the bond investments of 42 listed banks significantly contributed to their performance, particularly due to the continuous decline in bond market interest rates, with a cumulative drop of 88 basis points in the 10-year government bond yield [1] - The report emphasizes the substantial floating profits accumulated in the FV-OCI financial assets due to fair value changes, which banks have utilized to support their performance through timely disposals of financial assets [1][4] - The report identifies that the floating profits from FV-OCI assets are particularly significant for certain city commercial banks and rural commercial banks, with some banks showing floating profit to profit ratios exceeding 100% [2][3] Summary by Sections 1. FV-OCI Floating Profit Situation - State-owned banks dominate the floating profit scale, with China Construction Bank and Agricultural Bank of China exceeding 50 billion yuan in floating profits by the end of 2024 [1] - City and rural commercial banks show high ratios of FV-OCI floating profits to profits, with Lanzhou Bank reaching 126.9% [2] - The contribution of FV-OCI floating profits to core Tier 1 capital is significant for several city and rural commercial banks, with notable increases year-on-year [3] 2. Financial Asset Disposal Income Situation - In 2024, listed banks disposed of AC financial assets generating a total income of 50.29 billion yuan, an increase of 82.5% year-on-year, and FV-OCI financial assets generating 85.36 billion yuan, an increase of 134.4% year-on-year, leading to a total disposal income of 135.6 billion yuan [4][8] - The report notes that while the disposal income is significant, it does not imply a substantial increase in the scale of asset disposals, as the gains are influenced by the declining interest rates in the bond market [4] 3. Sector Outlook - The report suggests that while short-term impacts from tariff policies may affect exports, long-term domestic policies aimed at stabilizing real estate, promoting consumption, and enhancing social welfare are expected to support economic growth [9] - The banking sector is anticipated to benefit from policy catalysts, with specific banks like Ningbo Bank, Postal Savings Bank, and China Merchants Bank highlighted as potential investment opportunities [9]

Core Viewpoint - Zhejiang Commercial Bank's Zhuhai branch has been fined 350,000 yuan due to serious violations of prudent operation rules in its loan business, and an employee has been banned from the banking industry for five years [1][3]. Group 1: Regulatory Actions - The Zhuhai branch of Zhejiang Commercial Bank was fined 350,000 yuan for serious violations of prudent operation rules [1][2]. - Xu Yangjian, a customer manager at the Zhuhai branch, has been prohibited from engaging in banking activities for five years due to similar violations [1][2]. - The National Financial Supervision and Administration issued the penalty information recently [1]. Group 2: Background Information - Zhejiang Commercial Bank is one of the twelve national joint-stock commercial banks, officially established on August 18, 2004, with its headquarters in Hangzhou, Zhejiang [3]. - The Zhuhai branch was established on March 1, 2018, and is the 13th "A+H" listed bank in China [3]. - Violations of prudent operation rules are a significant portion of penalties issued by financial regulatory authorities, emphasizing the importance of risk management and internal controls in the financial industry [3]. Group 3: Previous Penalties - In January, Zhejiang Commercial Bank was fined 16.8 million yuan for various violations, including inaccurate classification of small and micro enterprises and serious violations in cross-border loan management [3]. - In March, the bank's Binhai New District branch was fined 300,000 yuan for inadequate post-loan management [3]. - In April, the Hangzhou branch was fined 700,000 yuan for issues related to personal business loans, including signing blank contracts and concealing actual loan amounts from guarantors [4].