那么，浙江本土银行的经营情况如何？根据宁波银行、杭州银行、浙商银行披露的2024年财报来看， 2024年，宁波银行以271.27亿元净利润连续六年稳居浙江最赚钱银行，其不良贷款率仅为0.75%，但零 售业务面临下滑。杭州银行则以18.08%的净利润增速快速追赶。相比之下，浙商银行虽以3.25万亿元总 资产居首，但净利润增速放缓，亟需优化业务结构。 宁波银行：最"赚钱"但零售失速 业绩快报显示，宁波银行2024年实现营业收入666.32亿元，较上年同期增长8.20%；归属于母公司股东 的净利润271.27亿元，较上年同期增长6.23%。 尽管宁波银行的盈利增速有所放缓，但其在浙江本地银行中的领先地位依然稳固。2024年，宁波银行实 现归母净利润271.27亿元，继续领跑。杭州银行和浙商银行分别以169.83亿元和151.86亿元的归母净利 润紧随其后。值得注意的是，宁波银行已连续六年蝉联浙江最赚钱本地银行的桂冠。 截至2024年末，宁波银行以0.75%的不良率在三家银行中表现最为优异在资产质量方面，宁波银行在三 家浙系银行中表现最为优异。截至2024年末，宁波银行的不良贷款率为0.75%，低于杭州银行的0.76 ...

中信证券股份有限公司关于 浙商银行股份有限公司配股持续督导 保荐总结报告书 保荐人编号：Z20374000 申报时间：2025 年 4 月 3 日 | 项目 | 基本情况 | | --- | --- | | 发行人名称 | 浙商银行股份有限公司 | | 发行人英文名称 | CHINA ZHESHANG BANK CO., LTD. | | A 股代码 | 601916 | | 公司简称 | 浙商银行 | | 注册地址 | 中国浙江省杭州市萧山区鸿宁路 号 1788 | | 法定代表人 | 陆建强 | | 董事会秘书 | 骆峰 | | 经营范围 | 吸收公众存款；发放短期、中期和长期贷款；办理国 内外结算；办理票据承兑与贴现；发行金融债券；代 理发行、代理兑付、承销政府债券；买卖政府债券、 | | | 金融债券；从事同业拆借；买卖、代理买卖外汇；从 | | | 事银行卡业务；提供信用证服务及担保；代理收付款 | | | 项及代理保险业务；提供保管箱服务；经国务院银行 | | | 业监督管理机构批准的其他业务。经中国人民银行批 | | | 准，浙商银行可以经营结汇、售汇业务。 | 一、发行人基本情况 二、本次发行 ...

Core Viewpoint - The practice of performance salary clawback in the banking industry is becoming more common, with several banks reporting significant amounts of clawed-back salaries due to risk exposure and management failures [2][3][5]. Summary by Category Performance Salary Clawback - Several banks have reported clawing back performance salaries, including: - Bank of China: 2,469 instances totaling 32.5 million yuan [5] - Zheshang Bank: 1,424 instances totaling 30.34 million yuan [5] - Bohai Bank: 612 instances totaling 24.03 million yuan, with a 65.41% increase in the number of clawbacks over two years [3] - Zhongyuan Bank: 20.11 million yuan clawed back [6] - The average amount clawed back per individual varies, with Bohai Bank averaging 39,300 yuan per person [3]. Regulatory Environment - The performance salary clawback mechanism has been in place since 2010, with guidelines issued by the former China Banking Regulatory Commission [7]. - In 2021, further regulations were established to enhance the clawback mechanisms, specifying conditions under which salaries can be reclaimed [7]. - Recent government directives have emphasized the need for financial institutions to establish robust performance salary clawback systems [8]. Penalties and Compliance - Bohai Bank received 16 penalties in 2024, with a total fine of 2.75 million yuan, primarily related to loan management issues [4]. - Since 2021, Bohai Bank has accumulated 154 penalties totaling 199 million yuan [4]. - The banking sector as a whole faced 6,666 penalties last year, amounting to over 1.8 billion yuan, with rural commercial banks and state-owned banks being the most penalized [8]. Future Outlook - As regulatory scrutiny increases and banks improve governance, the performance salary clawback system is expected to become more standardized across the industry [9].

Core Viewpoint - The 2024 annual reports of listed banks reveal significant performance salary clawbacks, with a total amount exceeding 113 million yuan across nine banks, indicating a growing trend in enforcing accountability in executive compensation [1][4]. Summary by Category Performance Salary Clawbacks - Nine listed banks have disclosed their performance salary clawback situations in their 2024 annual reports, including major banks like Bank of China, Zhejiang Commercial Bank, and Bohai Bank [1][4]. - The total amount of clawbacks reported by these banks exceeds 113 million yuan, with Bank of China leading at 32.5 million yuan [1][4]. - The average clawback amount per person was highest at Bohai Bank, reaching 39,264.71 yuan, while Bank of China and Harbin Bank also reported significant average clawbacks exceeding 10,000 yuan [2][4]. Year-on-Year Comparison - Compared to 2023, several banks, including China Merchants Bank and Weihai Bank, did not disclose specific clawback amounts for 2024, despite having reported significant figures in the previous year [6]. - In 2023, China Merchants Bank had the highest clawback amount at 43.29 million yuan, affecting 4,415 employees with an average clawback of approximately 9,805 yuan [6]. Disclosure Trends - Zhejiang Commercial Bank and Zhongyuan Bank disclosed specific clawback amounts for the first time in 2024, indicating an improvement in transparency [7]. - Bohai Bank and Dongguan Rural Commercial Bank have consistently disclosed their clawback amounts for three consecutive years, showing a commitment to accountability [5][6]. Regulatory Context - The regulatory framework for performance salary clawbacks has been strengthened over the years, with guidelines established by the former China Banking Regulatory Commission and the China Banking and Insurance Regulatory Commission [10][11]. - As of 2023, over 95% of banking institutions have implemented performance salary clawback mechanisms, reflecting a significant shift towards more robust governance in the banking sector [11].

NO.2 2024年个人征信机构提供各类征信服务700多亿次 4月2日，中国人民银行征信管理局局长任咏梅就征信相关问题进行了答记者问。任咏梅称，在个人征信 方面，人民银行按照"总量控制、结构优化、适度竞争"的原则，稳妥有序开展个人征信许可工作，先后 批设了百行征信、朴道征信、钱塘征信三家市场化个人征信机构，与征信中心互为补充、协同发展。 2024年，个人征信机构提供信用评分、信用画像、反欺诈等各类征信服务700多亿次。 点评：这凸显征信数据在消费金融、普惠信贷等场景的渗透率加速提升。此举既完善了金融基础设施， 也为银行、互金平台等机构优化风控模型提供底层支撑，可能推动相关技术服务商拓展信用评估、智能 反欺诈等增量业务。当前数据要素市场化改革背景下，征信体系扩容有助于盘活信用数据资产价值，或 催化金融机构数字化转型进程。 每经编辑 马子卿 | 2025年4月3日 星期四 | NO.1 七部门发布新修订的《安全生产责任保险实施办法》 应急管理部、财政部、金融监管总局等七部门4月2日对外发布新修订的《安全生产责任保险实施办 法》。据悉，《实施办法》进一步细化明确了应当投保安责险的行业、领域范围；对安责险产品条款和 ...

根据达诚基金管理有限公司（以下简称"本公司"）与浙商银行股份有限公司（以下简称"浙商银行"）签 署的代销协议，投资者可自2025年5月14日起参与浙商银行基金转换申购补差费率优惠活动。具体公告 如下： 一、适用基金 ■ 如上述基金尚未开放、暂停办理对应业务或对其进行限制的，请遵照相关公告执行。投资者在各销售机 构办理对应基金相关业务的数额限制、规则、流程以及需要提交的文件等信息，请遵照上述基金招募说 明书或其更新、本公司发布的相关公告及各销售机构的有关规定。各销售机构的业务办理流程、办理时 间及办理方式请以其各自规定为准。 二、费率优惠活动 1.活动内容 自2025年5月14日起，投资者通过浙商银行办理达诚基金旗下基金转换的业务，基金转换申购补差费率 享受浙商银行费率优惠，具体折扣费率及优惠活动期限以浙商银行的活动公告为准。本基金原费率标准 详见该基金的基金合同、招募说明书、产品资料概要等法律文件，以及本公司发布的最新业务公告。 2.重要提示 达诚基金管理有限公司 (3)费率优惠期间，业务办理的流程以浙商银行的规定为准。投资者欲了解基金产品的详细情况，请仔 细阅读基金的基金合同、招募说明书（更新）、产品资料概 ...

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 - Zhejiang Zheshang Bank has appointed Chen Haiqiang as the new president, marking the end of a leadership vacancy lasting over six months [2][4]. Group 1: Leadership Changes - Chen Haiqiang has been appointed as the deputy secretary of the party committee and nominated as the president of Zhejiang Zheshang Bank [1]. - Chen Haiqiang has over 30 years of experience in the financial industry, having held various positions in major banks including ICBC, China Investment Bank, and China Development Bank [4]. - The bank's management structure will change to "one president and three vice presidents" after Chen Haiqiang officially takes office [4]. Group 2: Company Performance - As of the end of 2024, Zhejiang Zheshang Bank reported an operating income of 67.65 billion yuan, a year-on-year increase of 6.19% [5]. - The net profit attributable to shareholders reached 15.186 billion yuan, reflecting a year-on-year growth of 0.92% [5]. - The total assets of the bank amounted to 3.33 trillion yuan, which is a 5.78% increase compared to the end of 2023 [5]. Group 3: Compliance Issues - Zhejiang Zheshang Bank has faced significant compliance challenges, receiving nearly 30 regulatory fines in 2024, totaling over 11 million yuan [6]. - In January 2025, the Shanghai and Chongqing branches were fined 18.5 million yuan for serious violations of prudent management rules [6]. - The Hangzhou branch was fined 700,000 yuan in April 2025 for signing blank contracts and concealing actual loan amounts [6].

证券代码：601916 证券简称：浙商银行 公告编号：2025-017 特此公告。 浙商银行股份有限公司董事会 浙商银行股份有限公司 关于提名行长的提示性公告 2025 年 4 月 2 日 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。 根据中共浙江省委决定，陈海强同志任浙商银行股份有限公司党委副书记， 提名陈海强同志任浙商银行股份有限公司行长。 本公司董事会将尽快按照法定程序完成行长的聘任工作。 ...

Group 1 - The first SPV (Special Purpose Vehicle) renewable energy equipment leasing project in China has been successfully implemented, supporting the private sector's role in promoting green and low-carbon development [1] - The project involves financing leasing for a photovoltaic power station by Huizhou TCL Photovoltaic Technology Co., Ltd., marking a significant step in the development of the green energy industry [1] Group 2 - SPD Bank launched its upgraded "Technology Financial Service System 2.0," focusing on seven high-frequency technology activity scenarios to provide comprehensive "financial + non-financial" services [2] - The system aims to create value for technology enterprises through industry research and AI insights [2] Group 3 - Zhejiang Commercial Bank actively participated in the trading of newly launched 3-year and 7-year standard bonds, contributing to the high-quality development of the RMB fixed income market [3] - The bank is committed to building FICC 3.0 to provide continuous and high-quality quotes for various market products [3] Group 4 - Tianjin Bank successfully issued the first green asset-backed commercial paper (ABCP) in the Beijing-Tianjin-Hebei region for 2025, with a total issuance amount of 1.16 billion and 2.38 billion [4] - The underlying assets for this ABCP include green financing leasing assets such as biomass energy thermal power equipment and waste power generation equipment [4] Group 5 - Hangzhou United Rural Commercial Bank has received approval to issue up to 2 billion RMB of perpetual capital bonds, with the issuance to be completed within 24 months [5] - The bank must adhere to relevant regulations and report the issuance status to the Zhejiang Regulatory Bureau within 10 working days after the completion of the bond issuance [5]