当前，九江市武宁县正加快构建"1+3+2"六大绿色生态产业体系，其中智能家居产业已初步形成集群效 应。为助力当地智能家居产业"强龙头、补链条、聚集群"，今年5月，九江银行组织服务专班，对武宁 县智能家居产业链展开深入调研。 江西某家居有限公司是国内橡胶木指接板生产领域的头部企业，其生产原料主要为从泰国进口的橡胶 木。受行业影响，企业采购需采取"先款后货"模式，叠加进口木材货运周期长，以及泰国原料木材减产 导致的价格上涨等因素，企业存货规模持续攀升，营运资金周转压力加大。 转自：新华财经 近日，九江银行创新产业金融服务模式，成功为江西某家居有限公司新增授信额度5000万元，并发放首 笔500万元贷款。 作为九江地区首单进口木材抵押业务，九江银行武宁支行以金融云仓为载体，引入第三方供应链服务机 构，将在库木材纳入浮动抵押范畴，有效缓解企业流动资金压力，成为九江银行探索服务产业发展的又 一里程碑。 了解到企业常规抵押物不足、信用类授信额度有限，九江银行为该企业量体定制金融服务方案。该方案 利用金融云仓，将企业在库木材纳入浮动抵押范畴，建立动态评估机制，定期对抵押木材价值和企业资 信状况进行双重评估，并根据在库抵押木 ...

编辑：穆皓 有了先进的生产模式，摆在大业牧业面前的最大困难便是融资难题。"九江银行的金融支持为公司提供 了优惠贷款利率、配套支农再贷款政策的支持，融资成本大大降低，让我们安心搞技术研发、开拓市 场，做好'羊文章'的信心更足了！"黄列伍称，企业当前正积极深化"公司+合作社+农户"模式，通过统 一供种、防疫、培训等机制，年均培训养殖农户500人，带动村民增收致富，助力修水县黑山羊特色养 殖产业延链补链。 初夏雨后，九岭山脉山岚氤氲。走进位于九江市修水县的黑山羊养殖龙头企业——九江大业牧业有限公 司，开放式智能羊舍内，五级电动卷帘随着氨气和异味浓度变化自动开合，黑山羊在高高的热镀锌钢丝 网上悠闲踱步，羊粪通过钢丝网漏入下层发酵间，经生物发酵处理制成有机肥，就地反哺百亩牧草…… 一幅生态养殖图景的背后，展示出九江银行对转型金融支持传统农业绿色化、智能化蝶变的积极探索。 在九江银行金融"活水"的精准滴灌下，大业牧业黑山羊养殖基地加快建设农业转型金融项目，推动传统 养殖业绿色化、产业化、智慧化发展，为全市乃至全省提供了可复制推广的可行范本。（阚欣、郭梦 琪） 今年4月，九江银行深入大业牧业调研，第一时间成立总分支联动的服 ...

江西某钢结构企业负责人感慨："过去承接大型项目总担心资金链断裂，现在通过九江银行的专项产 品，我们从采购钢板到完成工程验收全程有资金保障，还能灵活应对不同项目的结算周期，真正实现了 轻装上阵！" 本报讯 （记者曹琦）近年来，九江银行南昌分行坚持党建引领，将党支部堡垒建在普惠金融服务一 线，以"千企万户大走访"专项行动为载体，精准对接企业需求，持续推动普惠金融高质量发展，做深做 精普惠金融大文章。截至一季度末，九江银行南昌分行走访企业近3200户，普惠小微贷款余额突破70亿 元。 下一步，九江银行南昌分行将始终坚持党建引领，努力将党建优势转化为发展优势，以党建联建、党员 志愿服务队等多种方式，进园区、进企业开展常态化走访调研，了解中小微企业的经营冷暖和所期所 盼，针对性地解决融资过程中的痛点难点，用更大力度、更实举措做好普惠金融大文章，加力助推传统 企业向新发展向上突破。 日前，九江银行南昌分行工作人员在走访南昌市进贤县某钢结构企业时了解到，因下游企业资金波动， 应收账款迟迟未能收回，导致企业无法支付原材料货款。针对这一钢结构中小企业普遍面临的痛点问 题，分行党委高位统筹，迅速成立党员攻坚小组，创新推出钢结构产 ...

作为地方金融主力军，九江银行萍乡分行始终与这片沃土同频共振，截至2025年3月末，累计投放制 种、种植产业贷款5.82亿元，服务91户农户与企业，以真金白银诠释着服务"三农"的责任担当。 这样的场景并非个例——针对制种产业周期长、农时紧的特点，分行组建"春耕服务队"深入田间地头， 通过移动终端实现"现场申请、即时审批"，将金融服务送到农户手中。 （文章来源：证券日报） "贷款到期正赶上农忙，多亏了你们上门服务！"湘东区种植大户王先生握着九江银行客户经理的手连连 感慨。作为经营2000亩农田的老客户，王先生在春耕续贷的关键时期难以抽身。九江银行客户经理得知 后，带着移动设备直奔田间地头。连续两天守候在农机轰鸣的田埂边，利用农户劳作间隙完成资料审 核，最终在秧苗下田前成功发放20万元"易保贷-经营贷款"，确保资金不断档、农时不耽误。 本报讯 （记者曹琦）在赣西大地萍乡，一粒粒金色的种子正孕育着农民丰收的希望，更承载着端稳"中 国饭碗"的重要使命。从1973年颜龙安院士团队攻克杂交水稻制种难题，到如今全市年均制种面积30万 亩以上、水稻年均供种量占全国供种量近20%、南繁制种面积占全国85%以上，这座"杂交水稻制种 ...

转自：新华财经 九江银行坚定转型步伐，精细经营管理，提升战略执行力，走出了一条差异化、特色化发展路径。如何 坚持"党建领行"，如何做好金融"五篇大文章"？近日，九江银行党委书记、董事长周时辛围绕这几方面 内容与网友分享了自己的观点。 主持人：新一届行党委成立以来，九江银行发展态势稳健，成效明显，具体体现在哪些方面？ 周时辛：新一届行党委成立以来，九江银行深刻把握金融工作的政治性、人民性，加强精细化管理，持 续推进优结构、节资本、促合规、控不良、稳增长。主要体现在以下几方面： 一是聚焦党建领航，"进"的动能持续增强。九江银行将党的政治优势、组织优势转化为发展优势，严格 落实"第一议题"制度，开展"书记领航"重点工程，完善党建和业务联动互促工作机制，打造"九久红 银"党建品牌，创新推出"党建链引领产业链"模式。 二是聚力固本培元，"稳"的基础逐步夯实。坚持稳中求进工作总基调，推动量的合理增长和质的有效提 升。至2024年末，全行资产总额同比增长2.5%至5164.59亿元，客户贷款及垫款总额同比增长6.4%至 3208.35亿元，负债总额同比增长2.4%至4739.26亿元，其中客户存款总额3869.64亿元；营 ...

Company Overview - The registered capital of Bank of Jiujiang Co., Ltd. is RMB 2,847,367,200[5]. - As of the reporting period, the bank has 5,773 full-time employees, with an average age of 30.34 years[6]. - The bank has established a total of 20 village and town banks, enhancing its regional coverage[6]. - The company has established 20 rural banks, controlling 18 of them, with total assets of RMB 170.20 billion and total loans of RMB 98.83 billion as of the reporting period[159]. Awards and Recognition - The bank achieved recognition as a "Top 100 Self-Settlement Institutions" in 2023 by the Central Government Bond Registration and Settlement Co., Ltd.[8]. - The bank received multiple awards in January 2024, including the "2023 Mobile Payment Promotion Award" and "2023 Business Innovation Award" for its outstanding performance in mobile payment and credit card business[7]. - The bank's project "New Generation Fully Online Industrial Financial Platform" won the third prize in the "2022 Financial Technology Development Award," being the only city commercial bank in Central China to receive this honor[7]. - The bank was recognized as the "Best Digital Financial Small and Medium Bank" at the 12th Small and Medium Bank Development Summit Forum in July 2024[9]. - The bank received the "Outstanding Wealth Management City Commercial Bank" award in October 2024[10]. - The bank's "Smart Ranch Project" was recognized as an excellent case in financial innovation in December 2024[11]. - The bank's credit risk early warning system was awarded for risk management innovation in December 2024[11]. - The bank has been recognized as a top 100 self-operated settlement institution for seven consecutive years since 2018[12]. - The company received multiple awards, including "Outstanding Asset Management City Commercial Bank" and "Annual Growth City Commercial Bank" in 2024, reflecting its strong market recognition[143]. Financial Performance - Net interest income for 2024 reached RMB 9,170.6 million, an increase from RMB 8,289.0 million in 2023, representing a growth of 10.65%[16]. - Total operating income for 2024 was RMB 10,388.4 million, slightly up from RMB 10,358.4 million in 2023, indicating a marginal increase of 0.29%[16]. - The net profit for the year 2024 was RMB 761.5 million, compared to RMB 745.4 million in 2023, reflecting a growth of 2.83%[16]. - The basic earnings per share for 2024 was RMB 0.14, consistent with the previous year[16]. - The average return on total assets for 2024 was 0.15%, unchanged from 2023[16]. - The core tier 1 capital adequacy ratio improved to 9.44% in 2024 from 8.64% in 2023[16]. - Total assets reached RMB 516,458.6 million, an increase from RMB 503,849.2 million in 2023, marking a growth of 1.22%[17]. - Net customer loans and advances amounted to RMB 311,947.8 million, up from RMB 293,410.2 million in 2023, reflecting a growth of 6.67%[17]. - The liquidity coverage ratio decreased to 394.39% from 448.64% in 2023, indicating a tighter liquidity position[17]. - The total customer loans and advances reached RMB 320.83 billion, reflecting an increase of RMB 19.21 billion or 6.4% year-on-year, driven by stable growth in corporate loans and an increase in bill discounting business[71]. Risk Management - The bank's provision coverage ratio improved to 154.25% compared to 153.82% in 2023, showing enhanced risk management[17]. - The non-performing loan ratio increased to 2.19% from 2.09% in 2023, indicating a slight deterioration in asset quality[17]. - The company has established a comprehensive risk control system, emphasizing professional team building and clear control plans[145]. - The company is enhancing its risk management capabilities by building a credit risk monitoring system and improving post-loan management quality[168]. - The company has implemented a comprehensive country risk management system to monitor and manage exposure to geopolitical and economic changes[170]. Digital Transformation and Innovation - The bank's RFID composite smart safe project won the "Outstanding Case Award for Scene Financial Innovation" in January 2024[7]. - The company is advancing digital finance initiatives, including the launch of "Digital Transformation Loan" and the establishment of an AI model ecosystem[20]. - The bank implemented a digital transformation strategy, achieving 86% of business contracts signed online, significantly improving operational efficiency[135]. - The digital transformation platform achieved a total credit amount exceeding RMB 42.28 billion by the end of 2024, enhancing the company's digital support capabilities[146]. - The AI model platform "Jiuyin Brain" has been developed, learning from 23,000 FAQs and over 1,300 documents, with over 6,500 users and applications in more than 30 business scenarios[157]. Customer and Market Focus - The bank allocated 88.2% of corporate loans to small and micro enterprises, emphasizing support for local economic development[21]. - The consumer finance business aims to enhance consumption potential and support local economic development, focusing on innovative scenarios and a multi-tiered consumer credit system[140]. - The bank's retail banking business focused on enhancing service quality and efficiency, with a strong emphasis on supporting small and micro enterprises[138]. - The company has developed specialized financial service solutions for 27 industry scenarios, focusing on supply chain finance and industry-specific needs[144]. Shareholder Structure - As of December 31, 2024, the total issued share capital of the company is 2,847,367,200 shares, comprising 2,365,000,000 domestic shares and 482,367,200 H shares[190]. - The proportion of state-owned shares is 48.80%, with a slight increase of 0.46% from the previous year[192]. - The top ten domestic shareholders hold a total of 1,632,987,590 shares, accounting for 57.35% of the total issued share capital[194]. - The company has no controlling shareholder as of the reporting period[199]. - The Jiujiang Finance Bureau and Beijing Automotive Group have been identified as significant shareholders with influence over the company's management[199].

下一步，九江银行表示将持续推进"数字金融+产业金融"协同，通过创新金融服务体系与业务模式，持 续释放产业数字潜能，为产业数字化转型注入强劲动力。 数智驱动，助推产业转型新实践。九江银行积极衔接全省制造业转型政策，深度参与赣州钨和稀土产业 大脑、德安纺织产业大脑等多个区域级产业大脑建设。围绕制造业企业"提级"场景与产业大脑、互联网 园区等"产业数字平台"建设，推出并落地江西省首个数字化转型领域金融方案——"数转贷"，助力实 现"会转、想转、敢转"。九江恒通自动控制器有限公司是九江的一家制造业企业，数字化评级为L6。在 得知该企业存在智能化改造资金需求后，九江银行迅速响应，为其开辟绿色服务通道，一周内完成贷款 审批，并同步联动九江经开区经济发展局完成补贴资格认定，成功为企业发放"数转贷"专项贷款557.23 万元，帮助企业降低了70%的综合成本。 近年来，九江银行聚焦"产业+政策+金融+科技"战略发展理念，以客户需求为导向，以提高产业链供应 链运转质效为目标，以数字赋能与过程管控为抓手，持续推动产业数字金融发展，奋力写好数字金融大 文章。 数智引领，构建产业升级新生态。"链主+平台"作为江西省"1269"行动计划 ...

"当前全行正处于爬坡过坎、转型升级的关键阶段"，尽管业绩止跌回稳，周时辛依旧在九江银行2025年 经营工作会议中明确强调。2024年末，九江银行不良贷款率2.19%，据wind数据不良率攀升至近十年最 高；逾期贷款94亿，同比增加47.4%，依旧暴露出这家千亿资产城商行在复杂经济环境下的深层挑战。 作为九江银行掌舵者，周时辛曾是深耕对公业务的"农行老将"，肖璟则是出身工行的技术专家，两位将 如何以"金融基因+科技基因"重构九江银行发展逻辑，带领九江银行从"止血"到"造血"？ "临危受命"新组合 2022年2月，九江银行原董事长刘羡庭到龄退休，此前有媒体报道称，该行前任行长潘明或将升任董事 长。 在外界看来，潘明是伴随九江银行一路成长起来的行长，2013年担任九江银行行长后，推动了该行资产 规模扩张及上市，对该行作出了不小贡献。2022年，潘明年仅47岁，年富力强；九江银行总资产十年间 从不足千亿到逼近五千亿，势头正好。 让外界感到意外的是，九江银行在宣布刘羡庭辞任董事长同时，解聘了潘明行长职务；副行长兼首席信 息官肖璟升任行长。2023年5月，周时辛从农行"空降"至九江银行担任党委书记，此后接任九江银行董 事 ...

日前，港股上市银行九江银行发布公告称，该行拟于5月6日召开临时股东大会，其中将审议关于九银村 镇银行改革总体方案的议案，根据该方案，该行拟分阶段对旗下20家九银村镇银行适时开展改革重组工 作。 | | 於2024年12月31日 | | | --- | --- | --- | | | 员工人數 | 佔總數百分比(%) | | 公司銀行 | 1,048 | 18.15 | | 零售管惠銀行 | 1,691 | 29.29 | | 金融市場業務 | 39 | 0.68 | | 財務及會計 | 460 | 7.97 | | 風險管理、内部控制及審計 | 327 | 5.66 | | 法律合規、人力資源及信息技術 | 476 | 8.24 | | 家居坪理 | 890 | 15.42 | | 九銀村鎮銀行 | 655 | 11.35 | | 1592812 | 1.75 | 15:74 | | 其他 | 105 | 1.82 | | 總計 | 5.773 | 100.00 | 拟对旗下20家村镇银行开展改革重组 公告显示，20家村镇银行中，有16家位于江苏省内，4家位于江苏省外，针对江西省内九银村镇银行， 九江银行拟逐 ...

九江银行发布2024年年度业绩报告，实现营业收入103.9亿元，同比增长0.29%；净利润7.44亿元，同比 增长2.88%。这份业绩报告展现出经营回稳迹象，但资产质量压力仍需关注。 业绩企稳显现韧性 在经历2023年净利润大幅下滑后，九江银行2024年经营状况开始企稳。利息净收入达91.71亿元，同比 增长10.6%，主要得益于存款付息率的显著下降。对公业务表现亮眼，制造业贷款新增81.55亿元，增幅 达18.7%。 数字化转型提速增效 九江银行在金融科技领域持续发力，自主研发的人工智能平台已在30余个场景落地应用。通过金融云建 设，提升了资源调配效率，为业务发展提供有力支撑。数字化转型不仅优化了运营效率，也为零售业务 未来发展奠定基础。 风险隐忧待化解 资产质量方面面临较大压力，不良贷款率升至2.19%，较上年增加0.1个百分点，创近10年新高，高于行 业平均水平。 | 公司全称: | 值用风险排标 | | | | | | --- | --- | --- | --- | --- | --- | | | 不良貸款余額 : 不良贷款速(%) 0 | | 投备覆盖面(%)(1) | 资款投备(%)(2) 4 | ...