国家知识产权局信息显示，浙商银行股份有限公司取得一项名为"一种行情数据管理方法、系统、设备 及存储介质"的专利，授权公告号CN113850678B，申请日期为2021年9月。 天眼查资料显示，浙商银行股份有限公司，成立于1993年，位于杭州市，是一家以从事货币金融服务为 主的企业。企业注册资本2126869.6778万人民币。通过天眼查大数据分析，浙商银行股份有限公司共对 外投资了54家企业，参与招投标项目2388次，财产线索方面有商标信息473条，专利信息148条，此外企 业还拥有行政许可58个。 来源：市场资讯 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 ...

Fund Overview - The fund is named "Ping An Technology Selected Mixed Initiated Securities Investment Fund" and is categorized as a mixed securities investment fund [17] - The fund operates as a contractual open-end fund with an indefinite duration [17] - The fund's initial offering size is capped at 500 million RMB, excluding interest accrued during the fundraising period [21][22] Fund Offering Details - The public offering period is from December 1, 2025, to December 10, 2025, with the possibility of extension or early closure based on subscription conditions [21][22] - The fund is available for subscription by individual investors, institutional investors, qualified foreign investors, and other investors permitted by laws and regulations [19] - The minimum subscription amount for individual accounts through direct sales is 50,000 RMB, while the minimum for online transactions is 1 RMB [3][5] Subscription Process - Subscription applications are irrevocable once accepted, and the fund management has the right to limit subscriptions if a single investor's holdings exceed 50% of the total fund shares [31] - The fund management will use a "last day proportion confirmation" method if total subscription requests exceed the fund's cap, potentially leading to partial confirmations [2][22] - Investors must ensure that the funds used for subscription are legally sourced and free from any legal or contractual restrictions [12] Fund Management and Custody - The fund is managed by Ping An Fund Management Co., Ltd., and the custodian is Zhejiang Merchants Bank Co., Ltd. [53] - The fund management company is responsible for the fund's operations and must comply with relevant laws and regulations [53] Risk Management - The fund aims for long-term capital appreciation while strictly controlling investment portfolio risks [18] - The fund's investment scope includes stocks listed on the Science and Technology Innovation Board, which may involve specific risks associated with that market [9][10] Investor Information - Investors can access detailed information about the fund, including the prospectus and subscription forms, on the fund management company's website [5][18] - The fund management company will bear the costs related to legal disclosures and other issuance expenses, which will not be deducted from the fund's assets [55]

Core Viewpoint - Zhejiang Commercial Bank and Alibaba Group have signed a strategic cooperation agreement to enhance financial services through technology innovation, focusing on intelligent upgrades in financial services and building a collaborative fintech ecosystem [1] Group 1: Strategic Cooperation - The partnership aims to leverage both parties' strengths in finance and "cloud + AI" to deepen cooperation in technology innovation [1] - The agreement will enable Zhejiang Commercial Bank to upgrade its retail, corporate, and inclusive financial service systems by utilizing Alibaba's extensive business scenarios [1] Group 2: Technological Advancements - Zhejiang Commercial Bank will implement intelligent upgrades in key areas such as core business processes, customer service, risk management, and operational decision-making, utilizing Alibaba's advantages in AI technology [1] - The introduction of innovative products like intelligent assistants will facilitate the application of AI technology in financial scenarios [1] Group 3: Previous Achievements - Prior to this agreement, Zhejiang Commercial Bank and Alibaba had already achieved significant breakthroughs in fintech collaboration, including the creation of a unified, efficient, and scalable data platform for centralized data management and intelligent application [1] - The partnership has also led to the successful migration of big data to the cloud within the financial industry [1] - In the AI domain, both parties have utilized the advantages of the Tongyi large model to enhance internal office efficiency and promote the application of AI technology in financial business scenarios [1]

Core Viewpoint - Zhejiang Merchants Bank Beijing Branch emphasizes its commitment to "finance for the people," integrating financial services into the needs of citizens to enhance their quality of life [1] Group 1: Anti-Fraud Measures - The bank actively combats telecom and online fraud, successfully intercepting multiple fraud cases to protect customer funds [2] - A recent incident involved the detection of suspicious activity by staff, leading to the prevention of a potential loss of 180,000 yuan [2] - Various branches have effectively blocked significant amounts related to different fraud schemes, showcasing the bank's proactive approach in safeguarding customer assets [2] Group 2: Financial Education Initiatives - The bank focuses on enhancing financial literacy among key demographics, including the elderly and youth, through tailored educational programs [3][4] - Specific initiatives include financial service classes for veterans and interactive financial education for children, aiming to improve their understanding of financial concepts [3][4] - The bank employs various methods, such as community events and school programs, to disseminate financial knowledge and promote risk awareness [4] Group 3: Elderly Financial Services - The bank addresses the financial needs of the aging population by developing a comprehensive pension financial service system [5][6] - It has opened over 10,000 personal pension accounts and collaborates with insurance and pension institutions to offer diverse financial products [5] - The bank has implemented accessibility improvements in branches and conducts educational activities to help the elderly navigate digital banking [6] Group 4: Commitment to Community Welfare - The bank's leadership emphasizes a mission to extend financial services to meet various community needs, contributing to the overall well-being of citizens [6] - The bank has organized over 150 pension-related activities this year, reaching more than 5,000 customers, reflecting its dedication to community engagement [6]

Core Viewpoint - The appointment of Chen Haiqiang as the new chairman of Zheshang Bank marks a significant internal promotion, but the bank faces substantial challenges as it has fallen behind competitors in key financial metrics [1][3][4]. Group 1: Leadership Changes - Chen Haiqiang has been nominated as the new chairman of Zheshang Bank, becoming the first internal candidate to hold this position in the bank's 21-year history [1]. - He has rapidly ascended through the ranks, moving from Chief Risk Officer to President and now to Chairman within a few months [1]. Group 2: Financial Performance - Zheshang Bank's total assets, operating income, and net profit have all lagged behind those of Ningbo Bank and Hangzhou Bank, with the latter surpassing Zheshang Bank in net profit by 4.217 billion yuan [3][4]. - In 2019, Ningbo Bank's net profit was 137.14 billion yuan compared to Zheshang Bank's 129.25 billion yuan, and by 2024, the gap had widened to 119.41 billion yuan [4]. - For the first three quarters of 2025, Zheshang Bank reported a net profit of 11.668 billion yuan, down 9.59% year-on-year, with a significant quarterly decline of 18.45% [7][8]. Group 3: Asset Quality and Risk Management - Zheshang Bank has made significant progress in reducing non-performing loans, with the non-performing loan ratio decreasing from 1.53% in 2021 to 1.36% in Q3 2025 [8]. - Despite improvements in asset quality, the bank still faces challenges with a growing balance of non-performing loans and an increase in loans under scrutiny [9]. Group 4: Internal Control and Reputation Issues - The bank has been plagued by a series of corruption scandals involving high-ranking officials, which have tarnished its reputation [11]. - In 2023, Zheshang Bank received 20 regulatory fines totaling over 46 million yuan, indicating significant internal control issues [12]. - Chen Haiqiang's immediate tasks include optimizing internal controls and restoring the bank's reputation while also addressing existing risks [9][12]. Group 5: Competitive Landscape - The competitive dynamics among Zhejiang banks have shifted from a focus on scale to a focus on quality and differentiation, posing additional challenges for Zheshang Bank [12].

Core Insights - The foreign exchange business reform has been positively received by commercial banks and the public, with 26 banks participating as of September 2025, covering various types of banks across the country [1][2] Group 1: Reform Implementation and Participation - As of September 2025, 26 banks are involved in the foreign exchange business reform, including 5 large banks, 9 joint-stock banks, 4 city commercial banks, and 8 foreign banks [1] - The newly added banks in the third quarter include Industrial and Commercial Bank of China, Deutsche Bank, Mizuho Bank, and Mitsubishi UFJ Financial Group [2] Group 2: Benefits of the Reform - The reform has reduced the burden on enterprises, allowing them to handle foreign exchange transactions more efficiently, with some businesses experiencing a significant reduction in processing time from days to minutes [3] - Banks have improved their customer identification and service capabilities, leading to a reduction in average processing time for transactions by over 50% [3] - The reform has enhanced regulatory quality, with banks establishing risk monitoring systems to better track cross-border transactions and identify abnormal activities early [3] Group 3: Future Directions - The State Administration of Foreign Exchange plans to further enhance the foreign exchange management system, focusing on convenience, openness, security, and intelligence [4] - Future efforts will include expanding the coverage of the reform to benefit more enterprises and integrating various facilitation policies [4] - The application of new technologies such as artificial intelligence and big data will be encouraged to improve efficiency in foreign exchange services [4]

11月22日，浙商银行公司银行部副总经理、科创金融部副总经理（主持工作）李林在南方财经全媒体集 团指导、21世纪经济报道主办的"第二十届21世纪金融年会上"表示，杭州是今年年初"六小龙"的诞生 地，作为唯一一家总部在浙江杭州的全国股份制银行，浙商银行也是一家具有科技金融基因的银行。 做好科技金融要实现三个"转变" 在李林看来，银行做好科技金融首先要实现三个"转变"。 第一个转变是在服务方式上，从单点服务向综合服务转变。李林表示，在一家科技企业的不同成长阶段 将产生多元化的服务需求，在传统信贷服务之外，还需要非信贷服务甚至非金融服务的支持。 第二个转变是在服务理念上，从短期逐利向长期陪伴转变。李林指出，银行传统评价体系以年度为单 位，会促使经营机构更愿意为成熟期企业提供服务，从而获得当年度收益，但对于早期科技型企业，特 别是在初创期、成长期的科技企业来说，需要银行有更强的耐心提供更长期的陪伴，因此在考核机制上 也需要做出转变。 第三个转变是在互动模式上，从被动响应向主动赋能转变。李林提到，科技型企业谈到融资往往会寻求 创投机构的帮助，不了解银行的金融服务范围，因此银行应当要更主动与企业交流，成为其成长过程中 的 ...

Summary of Key Points Core Viewpoint - Guangzhou Ruoyuchen Technology Co., Ltd. has provided a guarantee for its wholly-owned subsidiary, Hengmeikang (International) Co., Ltd., to facilitate financing through a bank guarantee of 10 million yuan [3][6]. Group 1: Guarantee Overview - The company approved a total credit limit of up to 900 million yuan and an asset pool business limit of up to 400 million yuan during board meetings held on January 21 and February 14, 2025 [2]. - The guarantee is part of a broader strategy to support the financing needs of its subsidiaries [2]. Group 2: Details of the Guarantee - The bank guarantee issued by Zheshang Bank Guangzhou Branch is valid until May 29, 2026, specifically for Hengmeikang's financing activities [3]. - The guarantee agreement includes a fee structure based on the financing amount, with an annual guarantee fee rate of 1.2% [6]. Group 3: Financial Implications - After this guarantee, the total approved external guarantees amount to 900 million yuan, which represents 105.92% of the company's net assets attributable to shareholders as of June 30, 2025 [8]. - The total balance of external guarantees provided by the company and its subsidiaries is 62.81 million yuan, accounting for 7.39% of the latest audited net assets [8].

银行不仅能取公积金，还能办理身份证。在台州，市民张女士在台州分行营业部办理贷款业务的同 时，顺路就把快要到期的身份证进行了更新。身份证换领、补办是此次"政务服务进厅堂"的特色服务之 一，通过与当地政务服务管理办公室合作，将身份证自助办理设备搬入营业厅，让市民可自助完成人脸 识别、指纹采集、电子签名、扫码缴费等步骤的办理，而且身份证还能邮寄到家。 "目前，宁波、绍兴、丽水等分行也相继开通了身份证换领、补办业务。此外，我们还在多家分行 网点布放了'政务服务自助机'，可办理涵盖医疗保障、人力社保、税费申报等共计28项政务服务事 项。"浙商银行运营管理部相关负责人表示，后续还将持续扩大服务范围，让各种"跑腿事"在营业厅都 可以"顺路办"。 提取公积金、补办身份证、办社保、工商注册登记，甚至是法律咨询、线上诉讼……这些与市民生 活息息相关的政务大小事，以后不用到处跑，在家门口的银行网点就能"一站式"办理了。 为积极响应国务院深化"放管服"改革、推动高频政务事项"就近办"的重要部署，今年以来，浙商银 行在浙江省内银行网点全面开展"政务服务进厅堂"行动。依托银行物理网点分布优势与成熟的服务体 系，把公积金、社保、税务等多个 ...

Core Insights - The "Five Major Articles" strategic deployment from the Central Financial Work Conference provides a clear direction for financial services to support the real economy in the new era [2] - Shenzhen is leveraging technological innovation and green transformation to achieve high-quality development, creating a broad platform for financial institutions to empower urban development [2] Group 1: Financial Services for SMEs - Zheshang Bank's Shenzhen branch integrates the concept of "finance for good, finance for real" into urban development, focusing on serving the real economy [2] - The introduction of "Shu Ke Loan" has addressed the financing difficulties faced by small and micro enterprises, allowing them to secure loans quickly, as demonstrated by a technology company's experience of receiving 1 million yuan on the same day [3] - The bank has established a long-term mechanism that encourages lending to small and micro enterprises, with a higher tolerance for loan defaults compared to the average level [3] Group 2: Green Financing Initiatives - The bank is actively promoting green finance, exemplified by the "Photovoltaic Loan" which supports energy technology companies in financing their solar power projects, reducing their electricity costs by 30% [5] - The "Photovoltaic Loan" offers customized repayment plans and lowers overall financing costs, enhancing accessibility for companies expanding their renewable energy projects [5] - Zheshang Bank is committed to building a comprehensive green financial service system, aligning with the dual carbon goals and supporting more photovoltaic enterprises [5] Group 3: Future Directions - The bank aims to deepen its "finance for good, finance for real" philosophy, focusing on more scenario-based and digital products to enhance financial service accessibility [6] - The commitment to supporting Shenzhen's technological innovation, green low-carbon development, and the growth of small and micro enterprises will contribute to building a sustainable inclusive financial ecosystem [6] - The bank's efforts are positioned to inject continuous financial momentum into Shenzhen's high-quality development and serve as a model for modern urbanization in China [6]