金融监管总局许可证信息查询系统显示， 2026年以来，已有近30家村镇银行完成注销，注销 数量显著高于去年同期。 记者丨余纪昕 编辑丨杨希 2026年开年，股份行整合与退出旗下村镇银行的步伐加快，"村改支"的行业浪潮已席卷股份 制银行领域。 日前，21世纪经济报道记者注意到，截至今年1月底， 光大银行在三个月内迅速完成了旗下三 家村镇银行的退出，实现了存量机构的全面"清零" 。与此同时，浦发银行也正以"村改支"模 式密集推进整合，仅在2月5日、6日就接连有旗下两家村镇银行退出，成为近期股份行中退出 动作最为频繁的机构。 此外，据券商中国，2月13日，国家金融监督管理总局金华监管分局披露，同意嘉兴银行收购 浙江浦江嘉银村镇银行，并在当地设立金华浦江支行等4家支行。此次收购，嘉兴银行将承接 浙江浦江嘉银村镇银行清产核资后的资产、负债、业务和员工。 这一系列动态表明，村镇银行的发展阶段正在从过去的规模扩张，正式转向"精而专"的高质 量发展新阶段。 光大银行实现村镇银行"清零" 从2025年11月韶山光大村镇银行率先退场，到2026年1月江苏淮安光大村镇银行和江西瑞金光 大村镇银行相继收尾，光大银行在短短数月内便实现 ...

据经济观察报-经济观察网 2025年，中国手机银行用户规模见顶，行业从增量获取转入存量提升，金融 机构需极致效率与精准生态才能生存。艾瑞咨询报告显示，在存量博弈中，股份制银行选择差异化生存 路径，头部效应显著。招商银行以7185.4万MAU稳居股份制银行首位，超越部分国有大行，得益于其 在财富管理与智能交互领域的深耕。平安银行与中信银行构成第二梯队，MAU维持在2000万至3000万 区间，前者通过AI重构服务链路，后者依托消费生态整合。民生银行、光大银行等第三梯队及之后机 构，MAU滑落至1000万至2000万区间，生存空间逼仄。地方银行中，深耕本地的机构逆势增长。城商 行如江苏银行、北京银行等，MAU稳定在300万以上；农商行与农信社中，福建农信等MAU突破450 万，占据县域与农村流量腹地。民营银行处境严峻，2025年TOP50榜单几近绝迹，因缺乏线下网点、本 地生活生态，且获客成本高，在手机银行赛道失去竞争力。存量时代，生态与区域能力成为制胜关键。 ...

截至2026年2月13日收盘，光大银行（601818）报收于3.29元，较上周的3.31元下跌0.6%。本周，光大 银行2月10日盘中最高价报3.36元。2月13日盘中最低价报3.28元。光大银行当前最新总市值1943.91亿 元，在股份制银行板块市值排名6/9，在两市A股市值排名81/5189。 中国光大银行股份有限公司H股公告 中国光大银行股份有限公司于2026年2月11日赎回并注销境内优先股3.5亿股，占有关事件前已发行优先 股总数的100%，每股赎回价为人民币100.423元。本次赎回后，该类别优先股已发行股份总数为零。相 关变动已于2026年2月12日提交翌日披露报表。 以上内容为证券之星据公开信息整理，由AI算法生成（网信算备310104345710301240019号），不构成 投资建议。 公司公告汇总：光大银行全额赎回35亿股优先股，支付总额351.48亿元。 公司公告汇总：第三期优先股已全部注销，该类别优先股发行总数归零。 本周关注点 公司公告汇总 中国光大银行股份有限公司于2019年7月15日非公开发行3.5亿股优先股，发行规模为350亿元人民币。 本行已于2026年2月11日向登记在册的 ...

Investment Rating - The industry rating is "Buy" [6] Core Insights - The overall social financing growth slightly declined to 8.2% in January, while M1 and M2 growth rates significantly rebounded, with M1 growing by 4.9% and M2 by 9.0% [6][16] - Government net financing increased significantly by 2,831 billion yuan year-on-year, contributing to the overall social financing growth [6][17] - The report indicates a shift in deposit structure due to accelerated deposit migration, impacting M1 negatively while having limited effect on M2 [6][16] Summary by Sections Overall Situation - Social financing growth decreased slightly to 8.2%, while M1 and M2 growth rates increased significantly [15][16] - M1 and M2 growth rates rose by 1.1 percentage points and 0.5 percentage points respectively compared to the previous month [6][16] Government Sector - Fiscal strength showed a year-on-year decline, impacting overall financing dynamics [39] Household Sector - Demand remained stable year-on-year, with short-term loan demand increasing [39] Corporate Sector - Short-term loan demand increased year-on-year, while bill financing saw a significant reduction [39] Non-Bank Sector - The acceleration of deposit migration was noted, with non-bank deposits increasing by 1.45 trillion yuan year-on-year [6][39]

Group 1 - The People's Bank of China and the National Financial Regulatory Administration have conducted an assessment for the 2025 systemically important banks, identifying 21 domestic banks as systemically important, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1][3] - The list aims to establish a comprehensive macro-prudential management system and strengthen the regulation of systemically important financial institutions [2] Group 2 - Systemically important banks in China are categorized into five groups based on their importance scores, with the first group consisting of 11 banks, the second group having 4 banks, the third group with 2 banks, the fourth group containing 4 banks, and no banks in the fifth group [3] - The People's Bank of China plans to enhance the combined effect of macro-prudential management and micro-prudential regulation, continuing to solidify additional supervision for systemically important banks to promote their safe and sound operation and better serve the high-quality development of the real economy [3]

Core Viewpoint - The establishment of Chief Compliance Officers (CCOs) in major state-owned banks marks a significant shift in compliance management, emphasizing the importance of compliance at the highest management level [1][2][6]. Group 1: Establishment of Chief Compliance Officers - On February 13, Agricultural Bank of China and Bank of China announced the appointment of their respective CCOs, with the positions held by the banks' presidents [1][2]. - This move signifies the formal establishment of CCOs in major state-owned banks, replacing the previous supervisory board system that has been in place for over 20 years [2]. - The appointment of CCOs by bank presidents is seen as a way to elevate compliance responsibilities to the highest management level, fostering a culture of compliance within the organization [2][8]. Group 2: Regulatory Background - The "Compliance Management Measures" issued by the Financial Regulatory Authority came into effect on March 1, 2025, with a one-year transition period that is nearing its end [4][5]. - As of February 13, 21 out of 42 A-share listed banks have appointed CCOs, while half of the banks have yet to finalize their appointments [7]. Group 3: Industry Trends and Practices - Many listed banks are following suit in appointing CCOs, with recent announcements from Qilu Bank, Shanghai Bank, and Everbright Bank regarding their CCO appointments [3]. - Approximately half of the banks have adopted a model where senior executives, particularly bank presidents, serve as CCOs, which is prevalent among state-owned banks and some city commercial banks [7][8]. - The practice of having senior executives serve as CCOs is recommended to enhance the importance of compliance management and reduce operational costs associated with appointing separate compliance officers [8].

Core Viewpoint - The People's Bank of China has conducted an assessment of systemically important banks for 2025, identifying 21 domestic banks categorized into five groups based on their systemic importance scores [1] Group 1: Assessment Overview - The assessment is part of a broader effort to establish a comprehensive macro-prudential management system and strengthen the regulation of systemically important financial institutions [1] - The evaluation was carried out in collaboration with the National Financial Regulatory Administration [1] Group 2: Classification of Banks - A total of 21 banks were recognized as systemically important, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1] - The banks are divided into five groups based on their systemic importance scores: - Group 1: 11 banks including China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Jiangsu Bank, Beijing Bank, Nanjing Bank, Guangfa Bank, Zheshang Bank, and Shanghai Bank [1] - Group 2: 4 banks including Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, and China Postal Savings Bank [1] - Group 3: 2 banks including Bank of Communications and China Merchants Bank [1] - Group 4: 4 banks including Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China [1] - Group 5: No banks were classified in this group [1]

Core Viewpoint - The People's Bank of China and the National Financial Regulatory Administration have conducted an assessment of systemically important banks for 2025, identifying 21 domestic banks categorized into five groups based on their systemic importance scores [1]. Group 1: Assessment of Systemically Important Banks - A total of 21 banks have been recognized as systemically important, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1]. - The banks are divided into five groups based on their systemic importance scores, with the first group containing 11 banks, the second group 4 banks, the third group 2 banks, the fourth group 4 banks, and the fifth group having no banks [1]. Group 2: Breakdown of Banks by Group - **First Group (11 banks)**: Includes China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Jiangsu Bank, Beijing Bank, Nanjing Bank, Guangfa Bank, Zheshang Bank, and Shanghai Bank [1]. - **Second Group (4 banks)**: Includes Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, and China Postal Savings Bank [1]. - **Third Group (2 banks)**: Includes Bank of Communications and China Merchants Bank [1]. - **Fourth Group (4 banks)**: Includes Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China [1]. - **Fifth Group**: No banks are included in this group [1]. Group 3: Future Regulatory Actions - The People's Bank of China and the National Financial Regulatory Administration will implement additional regulatory measures for systemically important banks according to the "Regulations on Additional Supervision of Systemically Important Banks (Trial)" [1]. - The aim is to enhance the synergy between macro-prudential management and micro-prudential supervision, ensuring the safe and sound operation of systemically important banks and better supporting the high-quality development of the real economy [1].

记者2月13日从中国人民银行获悉，近期中国人民银行、国家金融监督管理总局开展了2025年度我国系统重要性银行评估， 认定21家国内 系统重要性银行，其中国有商业银行6家，股份制商业银行10家，城市商业银行5家。 名单旨在构建覆盖全面的宏观审慎管理体系，强化系统重要性金融机构监管。 据介绍，中国系统重要性银行按系统重要性得分从低到高分为五组： 第一组11家，包括中国民生银行、中国光大银行、平安银行、华夏银行、宁波银行、江苏银行、北京银行、南京银行、广发银行、浙商银 行、上海银行； 第二组4家，包括兴业银行、中信银行、浦发银行、中国邮政储蓄银行； 第三组2家，包括交通银行、招商银行； 第四组4家，包括中国工商银行、中国银行、中国建设银行、中国农业银行； 第五组暂无银行进入。 中国人民银行相关人士表示，下一步，中国人民银行、国家金融监督管理总局将发挥好宏观审慎管理与微观审慎监管合力，持续夯实系统 重要性银行附加监管，促进系统重要性银行安全稳健经营和健康发展，更好服务实体经济高质量发展。 来源：新华社 记者：任军、吴雨 关注" 新华网财经 "视频号 更多财经资讯等你来看 往期推荐 多家银行，上调存款利率 雷 军：春 ...

Core Viewpoint - The People's Bank of China has identified 21 domestic systemically important banks for the year 2025, aiming to enhance macro-prudential management and regulatory oversight of these institutions [1] Group 1: Identification of Systemically Important Banks - A total of 21 banks have been recognized as systemically important, including 6 state-owned commercial banks, 10 joint-stock commercial banks, and 5 city commercial banks [1] - The banks are categorized into five groups based on their systemic importance scores, with the first group containing 11 banks, the second group 4 banks, the third group 2 banks, the fourth group 4 banks, and the fifth group having no banks [1] Group 2: Breakdown of Bank Groups - Group 1 includes: China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Jiangsu Bank, Beijing Bank, Nanjing Bank, Guangfa Bank, Zheshang Bank, and Shanghai Bank [1] - Group 2 consists of: Industrial Bank, China CITIC Bank, Shanghai Pudong Development Bank, and China Postal Savings Bank [1] - Group 3 includes: Bank of Communications and China Merchants Bank [1] - Group 4 comprises: Industrial and Commercial Bank of China, Bank of China, China Construction Bank, and Agricultural Bank of China [1] Group 3: Future Regulatory Actions - The People's Bank of China and the financial regulatory authority will implement additional regulatory measures as per the "Regulations on Additional Supervision of Systemically Important Banks (Trial)" to ensure the safe and sound operation of these banks [1] - The aim is to strengthen the macro-prudential management and micro-prudential regulatory synergy, promoting the healthy development of systemically important banks to better serve the high-quality development of the real economy [1]