汾水融冰，三晋逢春。2026年2月28日，晋商银行迎来十七周岁生日。自2009年在太原挂牌成立以来， 晋商银行始终高擎党建旗帜、厚植为民情怀，十七载栉风沐雨，从一支地方金融生力军，成长为总资产 近4000亿元的省属上市金融国企。在山西高质量发展的时代征程中，晋商银行既坚守晋商文化之根，又 熔铸现代金融之魂，用实干担当书写着地方金融机构守正创新、赋能民生的时代答卷。 晋商银行迎来十七周岁生日（晋商银行供图） 党建领航：铸牢发展之魂 融情三晋：浇灌实体之根 金融是国民经济的血脉，地方银行是服务地方发展的中坚力量。作为山西唯一本土上市法人银行，晋商 银行始终胸怀"国之大者"，以金融"活水"精准滴灌实体经济，以硬核担当诠释省属金融国企的初心使 命。 信贷资源精准倾斜。紧跟省委、省政府决策部署，重点投向能源转型、产业升级、适度多元发展等核心 领域，2025年累计为全省实体经济提供贷款支持1483亿元。深耕金融"五篇大文章"，科技金融、绿色金 融、普惠金融三大领域贷款增速均超10%。绿色金融贷款增速创近三年新高，以金融力量守护三晋绿水 青山；普惠金融开展"先锋行动"、专业镇专项服务，一年时间内普惠型小微企业户数增量超过去 ...

汾水融冰，三晋逢春。2026年2月28日，晋商银行迎来十七周岁生日。自2009年在太原挂牌成立以来，晋商银行始终高擎党建旗帜、厚植为民情怀，十七载 栉风沐雨，从一支地方金融生力军，成长为总资产近4000亿元的省属上市金融国企。在山西高质量发展的时代征程中，晋商银行既坚守晋商文化之根，又熔 铸现代金融之魂，用实干担当书写着地方金融机构守正创新、赋能民生的时代答卷。 党建领航：铸牢发展之魂 作为国有金融企业，晋商银行始终把党的领导摆在首位，将政治优势转化为治理效能，让"党建红"引领"金融蓝"行稳致远。 坚持政治建设为统领，严格落实"第一议题"制度，构建传达学习、部署落实、跟踪督办、监督考核的闭环体系，确保党中央决策部署和省委工作要求落地生 根。推进党建与公司治理深度融合，扎实落实"党建入章"和"双向进入、交叉任职"，将党的领导嵌入决策、执行、监督各环节。建强基层战斗堡垒，深入开 展"国企党建规范提升"专项行动，打造"晋领先锋"党建品牌，系统推进"四强"党支部建设，将组织优势源源不断转化为发展优势。 党建引领之下，战略转型步履铿锵。"十四五"期间，全行发展质效稳步提升，核心指标逆势增长：总资产从3033亿元稳步增长 ...

战略推进 根据晋商银行2026年工作会议部署，该行将在"十五五"开局之年聚焦服务实体经济、深化改革、风险防 控、人才建设及党建引领五大方向，例如打造"绿色能源+金融"模式、推广供应链服务等。这些举措的 实施进度与成效可能成为市场观察点。 公司状况 股权结构变动：2026年1月，山西金融控股集团有限公司拟将其持有的晋商银行7.15亿股股份（占比约 12.26%）全部转让给山西省财政厅，这意味着山西金控将退出晋商银行股东行列。此次股权调整可能 影响公司治理结构。 经济观察网 基于晋商银行（02558.HK）公开信息，截至2026年2月23日，以下事件可能对股票市场关注 度产生影响，具体包括战略部署、股权结构变化及公司治理动态： 公司高层选举 晋商银行第七届董事会已于2025年12月完成换届选举，新董事会成员包括执行董事郝强等人。新班子的 战略执行及决策效率值得关注。 此外，晋商银行在2025年业绩表现中曾出现净利润下滑、制造业不良贷款率上升等情况，未来资产质量 与盈利能力的改善进展也可能成为焦点。 以上内容基于公开资料整理，不构成投资建议。 ...

经济观察网 晋商银行在2025年度中国资管"群星汇"评选中荣膺"混合类理财管理奖"，这是该行连续第 二年获得此项业界奖项，凸显其在财富管理领域的专业能力。同期报道显示，晋商银行于2025年推出的 两只FOF产品——丰盈人生安愉甄选FOF和丰盈岁月全球心选FOF，截至2026年1月26日年化收益率分 别达7.54%和7.31%，规模从不足200万元增长至4亿元，体现了产品业绩的强劲表现。该事件为近期公 司基本面的积极信号，可能对市场情绪产生正面影响。 财富管理行业正迎来重要发展机遇期，2025年银行理财规模增长3.34万亿元，低利率环境下资产配置需 求旺盛。预计2026年行业规模同比增速超12%，突破38万亿元，为具备专业能力的机构提供增长空间。 晋商银行表示将聚焦财富管理业务升级，通过优化多资产策略构建全生命周期服务体系，以捕捉市场红 利。 以上内容基于公开资料整理，不构成投资建议。 截至2026年2月20日，晋商银行（02558.HK）近7个交易日（2月13日至20日）股价表现平稳，收盘价均 为1.35港元，区间涨跌幅为0.00%，振幅0.00%。成交极为清淡，累计成交量为0股，换手率0%。技术指 标显示短 ...

图为客户手写的感谢信。 晋商 银行供图 2025年12月24日，客户卫某前往晋商银行迎新街支行办理50万元大额现金支取业务。系统预警提示该笔 交易存在异常，卫某遂出示手机中的"借条"截图作为资金用途证明。但在沟通交流中，客户言辞闪烁、 表述前后矛盾。 经办柜员凭借扎实的风险防控意识和职业警觉，立即察觉该笔业务疑点重重，可能涉及诈骗。支行迅速 启动风险处置流程，采取延迟支付、深入核查措施，及时防范电诈风险。 中新网山西新闻2月13日电 一封手写感谢信，一句"人民的守护者"，承载着民众对金融机构拦截涉诈资 金的诚挚谢意。近日，晋商银行驻派太原市反诈中心员工王小红因成功拦截一笔50万元涉诈资金，收到 受害人王女士亲笔书写的感谢信。 在警方与银行的联动配合下，这笔50万元资金在即将被取走的最后一刻成功冻结，守护了受害人王女士 的财产安全。事后，王女士寄来亲笔感谢信，对参与资金拦截的工作人员表达感激之情。 近年来，晋商银行坚持将反诈知识深度融入日常业务培训，持续深化与公安机关的联防联控协作，着力 构建"事前预警、事中拦截、事后溯源"的全链条反诈防御体系。仅2025年，晋商银行协助警方抓获嫌疑 人79名，成功劝阻电信诈骗 ...

Group 1 - In January, the A-share market saw increased trading activity and risk appetite, with all three major indices achieving gains, notably the Shanghai Composite Index rising by 3.76% and the CSI 500 Index increasing by 12.12% [1] - The rise in cyclical industries such as precious metals, non-ferrous metals, chemicals, and oil and gas was driven by multiple factors including complex international dynamics, a weakening US dollar, and domestic industrial policy support, although there was significant volatility at the end of the month [1] - The technology sector, particularly AI applications, is expected to enter a critical validation window as large model technologies mature, with strong demand for computing power and investments in AI hardware like storage chips and semiconductor equipment [1] Group 2 - As of January 2026, the total number of bank wealth management products in the market reached 46,845, an increase of 553 from December 2025, with fixed-income products making up the majority at 43,215 [2] - In January, 2,969 new wealth management products were launched, a decrease of 305 from the previous month, with wealth management subsidiaries of banks accounting for 76.56% of the new issuances [2] - The overall risk level of wealth management products in January increased significantly, with 51 products rated as medium risk and 4 additional products rated as medium-high risk compared to the previous month [12] Group 3 - The asset allocation of wealth management products in January showed a high proportion of bonds and public funds, with a focus on cash, bank deposits, and short-term bond ETFs for liquidity and low risk [17] - Mixed wealth management products had diverse asset allocations, covering debt, convertible bonds, equity assets, and gold, with many products cautiously investing in gold ETFs to capture commodity investment opportunities [18] - The top five institutions accounted for 43.81% of the products listed, indicating a competitive advantage for state-owned and joint-stock bank wealth management subsidiaries [14]

在2025年度中国资管"群星汇"评选中，晋商银行凭借优异的资产管理表现，荣膺"混合类理财管理奖"。 据悉，这是该行连续第二年获得此项业界奖项，体现了山西本土上市银行在财富管理领域的专业能力， 也是区域金融机构高质量发展的具体表现。 资产管理能力多次获得权威认可，是晋商银行长期专注财富管理领域、不断提升综合实力的结果。作为 山西区域金融发展的重要力量，该行经营规模和综合实力稳步提升。截至2025年9月末，晋商银行资产 总额达3980亿元，在"2025年中国银行业前100名单"中位列第82位，为其资产管理业务稳健发展提供了 有力支撑。 晋商银行相关负责人表示，近年来，该行深入落实中央金融工作会议精神，将资产管理业务作为重要抓 手，践行金融工作的政治性和人民性。该负责人同时表示，资产管理业务是连接居民财富与实体经济的 关键金融纽带，其发展质量不仅直接关乎人民群众的财产性收入，更与国家经济的长期健康发展紧密相 关。 这份奖项的获得，得益于晋商银行两只FOF旗舰产品的良好业绩，也反映出其服务地方经济社会发展的 综合金融实力。2025年，晋商银行布局财富管理市场，发行了丰盈人生安愉甄选FOF、丰盈岁月全球心 选FOF两只 ...

Core Insights - A significant incident of fraud prevention occurred at Jinshang Bank, where a customer attempted to withdraw 500,000 yuan under suspicious circumstances, leading to a successful intervention by bank staff and law enforcement [1][2] Group 1: Incident Overview - On December 24, 2025, a customer named Wei attempted to withdraw a large sum of cash, claiming it was for repaying personal debt, but exhibited nervous behavior and inconsistent statements [1] - The bank staff, trained in fraud detection, identified the transaction as potentially fraudulent and halted the withdrawal process [1] Group 2: Response and Actions Taken - The bank's management activated a risk response protocol, implementing a "delayed payment" measure to buy time for further investigation [1] - A rapid response mechanism between Jinshang Bank and the Taiyuan Public Security Bureau was utilized, allowing for quick communication and action against the suspicious transaction [1][2] Group 3: Fraud Prevention Measures - Jinshang Bank has established a comprehensive fraud prevention system that includes pre-warning, interception during transactions, and post-incident investigation [2] - The bank integrates fraud training into daily operations to enhance staff's ability to identify and respond to potential fraud [2] Group 4: Performance Metrics - In 2025, Jinshang Bank assisted in apprehending 79 fraud suspects and successfully intervened in 102 cases of telecom fraud, blocking a total of 7.9165 million yuan in suspicious funds [2]

Core Viewpoint - Jinshang Bank has been awarded the "Mixed Asset Management Award" for the second consecutive year in the 2025 China Asset Management "Star Gathering" selection, highlighting its strong foundation and professional capabilities in wealth management [1] Group 1: Award Recognition and Performance - Jinshang Bank's two flagship FOF products have achieved impressive performance, with annualized returns of 7.54% and 7.31% respectively, and total assets growing from under 2 million to 400 million within less than a year [1] - The bank's total assets reached 398 billion as of September 2025, ranking 82nd in the "2025 China Banking Industry Top 100" list, indicating continuous improvement in its overall strength [1] Group 2: Strategic Focus and Product Development - Jinshang Bank emphasizes the importance of asset management as a key financial link between residents' wealth and the real economy, aiming to meet diverse financial needs while safeguarding investors' rights [2] - The bank launched two FOF products in April and May 2025, targeting various investment opportunities across A-shares, bonds, and gold, providing a one-stop asset allocation solution [2] Group 3: Industry Trends and Future Outlook - The wealth management industry is experiencing significant growth, with the banking wealth management sector expected to increase by 3.34 trillion in 2025, driven by low interest rates and a growing awareness of asset allocation among investors [3] - Predictions indicate that the banking wealth management scale will exceed 38 trillion by 2026, with a year-on-year growth rate expected to surpass 12% [3] Group 4: Future Development Goals - Jinshang Bank aims to enhance its comprehensive competitiveness in wealth management and private banking, focusing on optimizing cross-market and multi-asset investment strategies [4] - The bank plans to transition from traditional product sales to comprehensive service models, creating a full lifecycle wealth management service system to help local residents achieve stable wealth growth [4]

Core Insights - The company has outlined its key focus areas for 2026, emphasizing five main directions for development [1] Group 1: Enhancing Service to the Real Economy - The company aims to improve its effectiveness in serving the real economy by developing a "green energy + finance" model and connecting with major provincial projects [1] Group 2: Deepening Digital Transformation - The company plans to implement a "challenge and lead" mechanism and leverage artificial intelligence to enhance its digital transformation efforts [1] Group 3: Strengthening Risk Control Systems - The establishment of a digital risk control platform is a priority to fortify the company's risk management framework [1] Group 4: Building a High-Quality Professional Team - The company will execute 12 training programs to cultivate a highly skilled and professional workforce [1] Group 5: Reinforcing Party Leadership - Strengthening the leadership role of the Party within the organization is also a key focus area [1]