来源：银瑞社 作者：许淑敏 盛京银行的掌舵者孙进，逐渐淡出大众视线。 上一次看到孙进的公开露面，还是2025年3月，他出席了长春新区组织的北湖未来科学城、盛京银行政 银企对接会。此后一年，鲜少看到孙进的身影。 孙进对于盛京银行的作用很大。他是盛京银行"去恒大化"的关键人物，于2023年接任了恒大集团派出的 董事长邱火发的职位。 他出生于1973年，拥有东北财经大学金融学博士研究生学历，职业生涯主要在中国银行系统度过，拥有 逾30年的银行业务营运及管理经验，工作履历丰富。 在掌舵盛京银行以后，孙进不断调整业务布局、优化业务流程，大批量处置不良资产，压缩房地产业贷 款规模，取得了一些成绩。 比如，2025年6月末，盛京银行房地产业贷款余额降至393.17亿元，占贷款总额7.6%。 无奈盛京银行"旧疾"难消，还是走到了退市的结局。 2025年11月，盛京银行已正式从港交所退市，不再活跃于资本市场。其第一大股东盛京金控及其一致行 动人通过全面现金要约方式，收购其余全部已发行的H股及内资股。 大家也会好奇，退市之后的盛京银行，会有哪些新的动作。 步入新年，盛京银行传来一则好消息。 天眼查显示，沈阳万基实业发展有限公司收 ...

Group 1: Company Overview - Shengjing Bank disclosed its 2025 second half financial management report, marking the first such report released through the banking industry financial management registration and custody center [2] - The bank's newly issued financial products amounted to 33.952 billion yuan in the second half of 2025, a slight decrease from 34.169 billion yuan in the first half [2] - The number of new financial products issued by Shengjing Bank decreased to 20 in the second half of 2025 from 22 in the first half [2] Group 2: Financial Performance - As of the end of the reporting period, Shengjing Bank had 122 existing financial products with a total amount of 38.7045 billion yuan, remaining stable compared to 38.7464 billion yuan at the end of the first half of 2025 [3][4] - The bank reported a net profit of 508 million yuan in the first half of 2025, a year-on-year decrease of 83 million yuan, representing a decline of 14.1% [4] - Operating income for the first half of 2025 was 4.326 billion yuan, down 234 million yuan year-on-year, a decrease of 5.1% [4] Group 3: Revenue Breakdown - Shengjing Bank's net income from fees and commissions reached 213 million yuan in the first half of 2025, an increase of 194 million yuan, or 1003.3%, driven by business transformation efforts [5] - The bank's interest income was positively impacted by a reduction in interest expenses, which helped offset the decline in asset yield [4] Group 4: Industry Context - As of the end of the third quarter of 2025, there were 181 banking institutions and 32 financial companies with existing financial products in China, totaling 43,900 products, a year-on-year increase of 10.01% [6] - The total scale of existing financial products reached 32.13 trillion yuan, a year-on-year increase of 9.42% [6] - The overall financial product market in China maintained steady growth, with a total scale of approximately 34 trillion yuan by the end of November 2025, reflecting a growth of over 10% since the beginning of the year [7]

2025年12月30日，辽宁金融监管局发布关于周峙盛银消费金融有限公司（以下简称"盛银消金"）董事长任职资格的批复，核准周峙盛银消金董事长的任职资 格。 2025年9月份，盛银消金发布公告称，第二届董事会任期届满，经股东会审议通过，提名周峙、陈劲伟、孙长虹、韩东丰担任第三届董事会董事。其中，董 事陈劲伟、韩东丰为连选连任。原董事长张珺、原董事包宏不再担任董事职务。 公开信息显示，周峙来自盛银消金母公司盛京银行，曾在盛京银行任职超30年。盛京银行年报显示，周峙于1991年8月加入盛京银行前身沈阳合作银行的南 湖支行，先后在盛京银行证券部及市府广场营业部任职员。7年后，周峙先后担任盛京银行市场发展部副总经理以及发展战略研究中心副主任，行长办公室 副主任，监事会办公室主任等职务。2015年2月，周峙获聘任为盛京银行董事会秘书。2025年1月获推荐为盛银消金董事长。 ...

特且统一的投教品牌形象与清晰价值主张，实现投教品牌与机构核心品牌协同共生；构建常态化、多元化的跨媒体品牌传播体系，整合线上线下渠道精准覆 盖各类投资者，以专业通俗的内容扩大公众影响力、积累品牌美誉度；投教品牌建设成果有效反哺机构整体声誉，在增强客户信任、提升客户粘性上发挥显 著作用，同时积极践行社会责任，其成效获得监管部门、专业机构及社会公众的广泛认可。 盛京银行是沈阳市国有城市商业银行，立足区域金融服务特色与普惠金融发展定位，提炼形成"普惠赋能·理性投教"的独特品牌价值主张，构建起统一、专 业的投教品牌形象，实现投教工作与银行"服务地方、惠及民生"核心品牌理念的深度融合，为投教品牌建设奠定了坚实的战略基础。 依托自身渠道优势与数字化转型成果，盛京银行建立起"线上+线下"联动、多媒体协同的常态化投教品牌传播体系。通过专业、易懂的投教服务，盛京银行 大幅增强了客户对银行的信任度与认可度，进一步夯实了客户基础；同时，积极履行金融消费者教育社会责任，投教工作覆盖不同年龄、不同职业的群体， 有效提升了区域公众的金融素养，相关实践获得监管部门肯定与社会各界广泛赞誉，充分彰显了金融机构的责任与担当。 展望未来，盛京银行将 ...

Core Viewpoint - The article discusses the aggressive deposit acquisition strategies employed by small and medium-sized banks as they approach the end of the year, highlighting both legitimate marketing tactics and the resurgence of questionable practices to meet performance targets [3][4][5]. Group 1: Deposit Acquisition Strategies - As the end of 2025 approaches, banks are entering a "sprint mode" for deposit acquisition, utilizing methods such as raising deposit interest rates, offering gifts, and promoting wealth management products to attract new customers and funds [5][6]. - For instance, Jiangsu Bank has raised the annual interest rate on a three-year fixed deposit product to 1.9%, a 15 basis point increase from the standard rate, while Jilin Bank has increased its three-year fixed deposit rate from 1.75% to 2% [5][6]. - Additionally, banks like Yilian Bank are implementing limited-time offers and gift incentives to draw in customers, with some banks offering gifts for deposits above certain thresholds [6]. Group 2: Market Dynamics and Risks - Industry insiders indicate that the year-end deposit acquisition not only plays a crucial role in banks' strategies but also reflects the challenges faced by small banks in a limited interest rate environment, prompting them to adopt refined operational strategies to attract customers and increase funds [7]. - The phenomenon of "deposit rushing" has re-emerged, where banks attempt to meet performance metrics by rapidly increasing deposits at the end of reporting periods, often facilitated by intermediaries advertising low-cost deposit options [8][9]. - This practice raises concerns about compliance with regulations and the potential risks to depositors' funds, as these operations may violate banking regulations and create market disturbances [11][12]. Group 3: Internal Pressures and Ethical Concerns - The pressure on bank employees to meet performance targets has led to the normalization of purchasing performance indicators through online platforms, with employees spending money to complete deposit and fund purchase tasks to avoid penalties [10]. - Such practices not only expose banks to regulatory risks but also create internal competition issues and could damage the bank's reputation and customer trust [12]. - Experts warn that these practices can lead to long-term negative consequences if not managed properly, emphasizing the need for customers to be aware of the risks associated with participating in such deposit operations [12].

Core Viewpoint - Shengjing Bank is actively implementing the spirit of the Central Economic Work Conference by enhancing financial services for rural revitalization and supporting local economies through innovative financial solutions [1][2]. Group 1: Financial Services and Innovations - Shengjing Bank has established 302 volunteer teams, conducting 3,094 volunteer services throughout the year to deliver financial support to various aspects of county economic and social development [1]. - The bank has developed tailored financial products like "Liaonong Loan" to address specific financing challenges faced by local cooperatives and agricultural enterprises, providing quick access to funds [2][3]. - In Liaoyang, the bank issued a 3 million yuan loan to a cooperative facing cash flow issues, demonstrating its commitment to supporting local businesses [2]. Group 2: Support for Agricultural Sector - Shengjing Bank's branches are focusing on local economic characteristics, providing customized financial solutions to agricultural enterprises, such as a total of 32.6 million yuan in credit support to 13 rice processing companies [2]. - The bank has implemented a dual guarantee model in collaboration with provincial guarantee groups to facilitate loans for poultry farming enterprises, contributing to the development of a large-scale industry cluster [2][3]. - The bank has allocated 44 million yuan to support 17 enterprises in the peanut processing industry, promoting standardized and large-scale development [3]. Group 3: Political and Social Responsibility - Shengjing Bank emphasizes its political and social responsibilities by integrating its party-building advantages into practical financial services for rural revitalization, aligning with the goals of the "14th Five-Year Plan" [3].

Core Viewpoint - Shengjing Bank is committed to implementing the spirit of the Central Economic Work Conference, focusing on financial innovation to support rural revitalization and enhance financial services in county areas [1][2]. Group 1: Financial Services and Rural Revitalization - Shengjing Bank emphasizes the importance of serving local economies, small and medium-sized enterprises, and urban-rural residents, aiming to improve financial service levels in county areas and support comprehensive rural revitalization [2]. - The bank has established 302 party member teams and conducted 3,094 volunteer service activities throughout the year, ensuring that financial resources are effectively delivered to various aspects of county economic and social development [2]. Group 2: Tailored Financial Solutions - Shengjing Bank's branches adapt to local economic characteristics, translating the bank's strategic deployment into practical solutions, such as providing a 3 million yuan loan to a cooperative in Liaoyang to address seasonal funding shortages [3]. - In Yinkou, the bank has supported 13 enterprises in the rice processing sector with a total credit of 32.6 million yuan, facilitating stable grain production and supply chain operations [3]. Group 3: Innovative Financing Models - The bank has developed a collaborative model to address the challenges of agricultural financing, including a dual guarantee mechanism that combines government guidance, bank concessions, and enterprise benefits [4]. - In Anshan, the bank issued a 10 million yuan loan to support four poultry enterprises, contributing to a large-scale industry cluster with an annual output of 150 million birds [4]. - The bank's Tieling branch has provided 44 million yuan to 17 enterprises in the peanut processing industry, promoting standardized development and alleviating financial pressures [4].

Core Viewpoint - Shengjing Bank emphasizes the integration of party building and business development, focusing on providing tailored financial solutions to various financing entities, thereby enhancing the quality of inclusive finance services [1] Group 1: Financial Solutions for Small and Micro Enterprises - Shengjing Bank prioritizes enterprise credit and innovation capabilities, offering "light asset, wide credit, and convenient" financing to support small and micro enterprises in upgrading their industries and achieving high-quality development [2] - A technology company in Shenyang received a customized "Shenyandai 2.0" financing solution of 3.4 million yuan with a three-year credit term to support its research and development needs [2] - A manufacturing plant in Dalian was provided with a loan of 3 million yuan within two working days through the "Shengxindai" product to address a liquidity shortage caused by increased orders [2] Group 2: Support for Innovative Enterprises - A cultural and creative media company in Dalian received a specialized credit solution of 1.1 million yuan, which is expected to boost its revenue by 300% within the year [3] - Shengjing Bank's branches are actively customizing financial services for technology enterprises, such as an 8 million yuan loan and a 29 million yuan B-round financing for a national high-tech enterprise [4] Group 3: Tailored Financial Services - Shengjing Bank is committed to developing differentiated and personalized financial products, exemplified by a 3 million yuan loan to a duck egg cooperative to alleviate funding pressure before a peak sales season [5] - A feed company in Anshan received an 8.5 million yuan loan through a customized credit solution, demonstrating the bank's ability to respond quickly to client needs [5] Group 4: Commitment to High-Quality Development - Shengjing Bank aims to leverage its "Shengxianfeng" party building brand to enhance the integration of political and business operations, driving the high-quality development of inclusive finance [6]

盛京银行积极落实中央金融工作会议"五篇大文章"绿色金融工作要求，充分发挥"盛先锋"党建品牌引领 作用，积极践行社会责任，丰富绿色金融产品谱系，强化绿色金融服务创新，加大绿色金融信贷投放， 全力做好绿色金融大文章。 深耕不辍 有序扩大绿色信贷规模 盛京银行聚焦服务绿色低碳产业发展，重点布局节能环保、清洁能源、绿色交通运输、绿色建筑、转型 金融及绿色与普惠融合等领域，不断提升金融服务的"绿色含量"。在"盛先锋"精神的驱动下，绿色信贷 规模实现快速增长。截至2025年11月末，全行绿色信贷余额157.21亿元，比年初增加47.75亿元，增速 43.62%，充分彰显了绿色金融发展的"先锋速度"。 在战略引领与制度建设方面，盛京银行紧密结合行业发展趋势，从战略布局到落地执行，不断完善绿色 金融制度体系框架，自2024年起，相继出台《关于做好"五篇大文章"深入推进绿色金融的实施方案》和 《盛京银行绿色金融管理办法》，以"先锋速度"有效推动绿色金融业务迈向新高度。 在生态共建与价值共创方面，该行于同年成功举办"盛情下午茶"节能环保产业集群论坛，汇聚行业专 家、学者及企业代表，共同探讨绿色低碳产业的发展趋势，分享前沿技术和创 ...

Core Viewpoint - Shengjing Bank emphasizes the integration of party building and business development, focusing on providing tailored financial solutions to various financing entities, thereby enhancing the quality of inclusive finance services [1][5]. Group 1: Financial Solutions for Small and Micro Enterprises - Shengjing Bank prioritizes enterprise credit and innovation capabilities over collateral, offering "light asset, broad credit, and convenient" financing to support small and micro enterprises [1]. - A technology company in Shenyang received a customized "Shenyandai 2.0" financing solution with a credit amount of 3.4 million yuan, addressing urgent funding needs for equipment procurement and intellectual property acquisition [1]. - A manufacturing plant in Dashi Bridge, Yingkou, received a loan of 3 million yuan within two working days through the "Shengxindai" product, addressing a liquidity gap caused by increased orders [2]. Group 2: Tailored Financial Services for Technology Enterprises - Shengjing Bank promotes products like "Shengkedai" for technology enterprises, providing customized service plans to enhance financial innovation [3]. - A national high-tech enterprise in Beijing secured a total of 8 million yuan in inclusive loans and 29 million yuan in B-round financing through a combination of loan and investment services [3]. - A medical technology company in Tianjin received a loan of 5 million yuan through the "Shengkedai" product, demonstrating effective business growth innovation [3]. Group 3: Precision Financial Support - Shengjing Bank actively develops differentiated and personalized products to provide precise financial support, aligning with the central financial work conference's spirit [4]. - A duck egg production cooperative in Liaoyang received a 3 million yuan loan through a customized "Liaonongdai" service plan, alleviating funding pressure before the holiday sales peak [4]. - An advanced technology enterprise in Anshan received an 8.5 million yuan loan through a tailored credit solution, which was highly appreciated by the company [4]. Group 4: Commitment to High-Quality Development - Shengjing Bank aims to continuously enhance the integration of party building and business operations, transforming political and organizational advantages into strong momentum for supporting the real economy and promoting high-quality development of inclusive finance [5].