| 第一章 | 总 则 | 2 | | --- | --- | --- | | 第二章 | 经营宗旨和业务范围 | 3 | | 第三章 | 股份和注册资本 | 4 | | 第四章 | 股票和股东名册 | 9 | | 第五章 | 党组织（党委） | 9 | | 第六章 | 股东和股东会 | 11 | | 第七章 | 董事和董事会 | 27 | | 第八章 | 高级管理人员 | 45 | | 第九章 | 董事、高级管理人员的资格和义务 47 | | | 第十章 | 财务会计制度、利润分配和审计 48 | | | 第十一章 | 激励约束机制 54 | | | 第十二章 | 利益相关者 | 54 | | 第十三章 | 通知和公告 | 55 | | 第十四章 | 合并、分立、增资、减资、解散和清算 56 | | | 第十五章 | 修改章程 | 59 | | 第十六章 | 争议的解决 | 59 | | 第十七章 | 优先股的特别规定 | 60 | | 第十八章 | 附 则 | 62 | 第一章 总 则 第一条 为规范郑州银行股份有限公司（以下简称"本行"）的组织和行为，维护本 行、股东、职工和债权人的合法权益，根据《中华 ...

董事会拟决议事项属于专门委员会职能范围内的，应当先提交相应的专门委 员会进行审议，由该专门委员会提出审议意见。除董事会依法授权外，专门委员 会的审议意见不能代替董事会的表决意见。 第二章 董事会的组成与职权 第一节 董事会产生、组成、更换 第四条 董事会设董事长一名，副董事长一至二名，均由本行董事担任，董 事长和副董事长由董事会以全体董事的过半数选举产生和罢免。 郑州银行股份有限公司董事会议事规则 第一章 总则 第一条 为进一步明确郑州银行股份有限公司（以下简称"本行"）董事会 及其成员的职责权限，健全和规范董事会的议事和决策程序，保证本行决策行为 的民主化、科学化，适应建立现代企业制度需要，根据《中华人民共和国公司法》 （以下简称"《公司法》"）、《中华人民共和国证券法》、《香港联合交易所有限公 司证券上市规则》（以下简称"《香港上市规则》"）、《银行保险机构公司治理准则》 以及《郑州银行股份有限公司章程》（以下简称"本行章程"）以及其它法律、行 政法规和规章的相关规定，结合本行实际情况，制定本议事规则。 第二条 董事会是本行常设决策机构，对股东会负责，承担本行经营和管理 的最终责任，在法律、行政法规、规章 ...

郑州银行股份有限公司股东会议事规则 第一章 总则 第一条 为完善郑州银行股份有限公司（以下简称"本行"）公司治理，保 障股东依法行使权利，确保股东会高效规范运作和科学决策，根据《中华人民共 和国公司法》（以下简称"《公司法》"）、《中华人民共和国证券法》（以下简称"《证 券法》"）、《中华人民共和国商业银行法》、《上市公司章程指引》、《上市公司股东 会规则》、《香港联合交易所有限公司证券上市规则》（以下简称"《香港上市规 则》"）、《银行保险机构公司治理准则》等有关法律、行政法规、规章和《郑州银 行股份有限公司章程》（以下简称"本行章程"）的规定，结合本行实际情况，制 定本议事规则。 第二条 股东会由本行全体股东组成。股东会依法行使法律、行政法规、规 章及本行章程规定的各项职权，不得干涉股东对自身权利的处分。 本行应当严格按照法律、行政法规、部门规章、本行股票上市地证券监督管 理机构及证券交易所、本议事规则及本行章程的相关规定召开股东会，保证股东 能够依法行使权利。 股东会应当在《公司法》和本行章程规定的范围内行使职权。 第三条 本议事规则对本行及本行股东、董事、高级管理人员和列席股东会 会议的其他有关人员均 ...

Core Insights - The report highlights the significant growth and development of inclusive finance in China, particularly focusing on small and micro enterprises and rural areas, with a notable annual growth rate of over 20% in inclusive micro loans during the 14th Five-Year Plan period [1][2] - As of June 2025, the balance of inclusive micro loans reached 36 trillion yuan, which is 2.3 times that of the end of the 13th Five-Year Plan, with a decrease in interest rates by 2 percentage points [1][2] - The average interest rate for newly issued inclusive micro loans was 3.48% as of June 2025, reflecting a decrease of 66 basis points year-on-year [1][2] Group 1: Digital Empowerment - Digital technology has been a key driver for the development of inclusive finance, with banks utilizing big data and AI to enhance loan approval efficiency and reduce financing costs [2][7] - The market structure among banks is changing, with large commercial banks holding a 45.11% share of inclusive micro loans, while rural financial institutions have seen a decline in their market share [2][3] - The average growth rate of inclusive micro loans has been slowing down, with a decrease from 30.9% in 2020 to 12.3% by mid-2025 [2][3] Group 2: Performance of Listed Banks - Among listed banks, Agricultural Bank of China, Industrial and Commercial Bank of China, and Beijing Bank reported the highest growth rates in inclusive micro loans at 18.50%, 17.30%, and 17.27% respectively [3][4] - In contrast, some banks, including Shanghai Bank and Zhengzhou Bank, experienced negative growth rates of -3.97% and -2.06% [3][4] - The performance of different banks varies significantly, with state-owned banks generally showing stronger growth in inclusive micro loans compared to smaller banks [3][4] Group 3: Interest Rates and Risk Management - The interest rates for newly issued inclusive micro loans have decreased across various banks, with the highest rate at 4.20% and the lowest at 2.94% [7][8] - The gap in interest rates between large and small banks is narrowing, with some large banks' rates aligning closely with those of smaller banks [8][9] - The report emphasizes the importance of risk management in the inclusive finance sector, with several banks focusing on improving asset quality and managing non-performing loans [9][10]

Core Viewpoint - Zhengzhou Bank plans to acquire the remaining 49% shares of Xun County Zhengyin Village Bank, which it currently holds 51% of, and will merge it into its branch after the acquisition [1] Group 1: Acquisition Details - Zhengzhou Bank currently holds 51 million shares of Xun County Zhengyin Village Bank, representing a 51% stake [1] - The bank intends to purchase the remaining 49% shares, totaling 49 million shares, from other shareholders through a cash transaction [1] - The acquisition will involve a share purchase agreement with the other shareholders and a merger agreement for those who do not sign the share purchase agreement [1] Group 2: Post-Acquisition Structure - Upon completion of the acquisition, all assets, liabilities, business operations, personnel, and rights and obligations of Xun County Zhengyin Village Bank will be inherited by Zhengzhou Bank [1] - Xun County Zhengyin Village Bank will be dissolved and its legal entity status will be canceled following the merger [1] - The acquisition is subject to approval from regulatory authorities before implementation [1]

Core Viewpoint - Zhengzhou Bank plans to acquire the remaining 49% shares of Xunxian Zhengyin Village Bank, which it currently holds 51% of, and will merge it into its branch after the acquisition [1] Group 1: Acquisition Details - Zhengzhou Bank currently holds 51 million shares of Xunxian Zhengyin Village Bank, representing a 51% stake [1] - The bank intends to purchase the remaining 49% shares, totaling 49 million shares, from other shareholders through a cash transaction [1] - The acquisition will involve a merger, transforming Xunxian Zhengyin Village Bank into a branch of Zhengzhou Bank [1] Group 2: Financial and Operational Implications - Upon completion of the acquisition, Zhengzhou Bank will inherit all assets, liabilities, operations, personnel, and other rights and obligations of Xunxian Zhengyin Village Bank [1] - Xunxian Zhengyin Village Bank will be dissolved and its legal entity status will be canceled following the merger [1] - The acquisition is subject to regulatory approval before implementation [1]

香 港 交 易 及 結 算 所 有 限 公 司 及 香 港 聯 合 交 易 所 有 限 公 司 對 本 公 告 的 內 容 概 不 負 責， 對 其 準 確 性 或 完 整 性 亦 不 發 表 任 何 聲 明，並 明 確 表 示 概 不 會 就 本 公 告 全 部 或 任 何 部 分 內 容 而 產 生 或 因 倚 賴 該 等 內 容 而 引 致 的 任 何 損 失 承 擔 任 何 責 任。 Bank of Zhengzhou Co., Ltd.* 鄭州銀行股份有限公司 * 海外監管公告 本 公 告 由 鄭 州 銀 行 股 份 有 限 公 司（「本 行」）根 據 香 港 聯 合 交 易 所 有 限 公 司證券上市規則第13.10B條 作 出。 以 下 為 本 行 於 深 圳 證 券 交 易 所 網 站 發 佈 之《鄭 州 銀 行 股 份 有 限 公 司 關 於 收 購 浚 縣 鄭 銀 村 鎮 銀 行 股 份 有 限 公 司 設 立 分 支 機 構 的 公 告》《鄭 州 銀 行 股份有限公司第八屆董事會2025年 第 八 次 臨 時 會 議 決 議 公 告》，僅 供 參 閱。 承董事會命 鄭州銀行股份有限公司* ...

Mergers and Acquisitions - Zhengzhou Bank plans to acquire 49% of the shares held by other shareholders of Xun County Zhengyin Village Bank for cash and will absorb and merge it into a branch of Zhengzhou Bank [1] - Sichuan Road and Bridge intends to acquire the bridge component asset group of New筑股份 for 628 million yuan, which constitutes a related party transaction [2] - Leike Defense has decided to acquire 24.4004% equity from minority shareholders of its subsidiary Yao Yun Technology for a transaction price based on the assessed value, totaling 117 million yuan [3] Shareholding Changes - Fuzhou Technology's controlling shareholder plans to reduce its stake by up to 2%, amounting to no more than 9.405 million shares [4] - Xinlong Holdings' shareholder Hainan Zhuhua plans to reduce its stake by up to 3%, which is no more than 16.15 million shares [5] - Jiangsu Cable's controlling shareholder intends to increase its stake by 100 million to 150 million yuan within 12 months, with a maximum purchase price of 4 yuan per share [6] Regulatory Issues - *ST Chang Pharmaceutical is under investigation by the China Securities Regulatory Commission for suspected false reporting of financial data [7] - Continental Oil and Gas's shareholder is being investigated for failing to halt trading when their combined shareholding reached 5% [8] - Meihua Biological's controlling shareholder has been sentenced to three years in prison, suspended for five years, for manipulating the securities market [9] - Bayi Steel is under investigation by the China Securities Regulatory Commission for suspected violations of information disclosure regulations [10]

Core Viewpoint - Zhengzhou Bank announced plans to acquire the remaining shares of Xunxian Zhengyin Village Bank and will merge it into its operations, effectively dissolving the latter as a separate entity [2] Group 1: Acquisition Details - The acquisition will be conducted in cash and will involve absorbing Xunxian Zhengyin Village Bank into Zhengzhou Bank as a branch [2] - Upon completion of the acquisition, all assets, liabilities, business operations, personnel, and rights and obligations of Xunxian Zhengyin Village Bank will be inherited by Zhengzhou Bank [2] - The legal entity status of Xunxian Zhengyin Village Bank will be canceled following the merger [2]