来源：城商行研究 咱城商行真没必要去香港上市。 港股市场的一记冷水，让这家深耕山东的城商行股价跌至1.91港元，刷新了历史最低纪录。 2026年2月5日，当A股银行板块整体反弹之际，威海银行却遭遇了一场罕见的暴跌。股价单日下跌 26.54%，收盘报1.91港元，创下该行自2020年上市以来的最低水平。 令人惊讶的是，这次大幅杀跌仅伴随着55.6万股的成交量，成交金额仅为114万港元，不足国资定增金 额的千分之一。 如此微薄的成交额竟引发近三成的股价跌幅，反映出港股市场中中小内银股的尴尬处境。 股价跌跌不休 威海银行的股价表现一直不尽如人意。今年2月5日的暴跌并非孤立事件，而是该股长期低迷的延续。截 至2月6日，威海银行股价报收1.93港元，总市值已缩水至115.42亿港元。 从长期走势看，该行股价自上市以来就表现疲软。2020年10月12日，威海银行以3.35港元的发行价登陆 港交所，但上市后很快破发。 国资的高溢价定增无疑表明了支持威海银行发展的明确态度，超出了单纯的财务投资逻辑。然而，面对 市价与定增价的严重倒挂，这些国资机构可能面临被"深套"的风险。 经营业绩与市场表现的背离 从基本面看，威海银行的表现 ...

| 股票名称 | 收盘价 | 最低价 | | 创低率 | | --- | --- | --- | --- | --- | | 乐摩科技(02539) | 21.080 | 18.000 | -42.01% | | | 威海银行(09677) | 1.910 | 1.910 | -20.42% | | | ＸＬ二南ＣＯ(07711) | 33.100 | 32.460 | -17.57% | | | 宋都服务(09608) | 0.048 | 0.042 | -16.00% | | | ＸＬ二南策略(07799) | 6.300 | 6.155 | -13.86% | | | ＸＬ二南策略－Ｕ | 0.801 | 0.799 | -13.25% | | | (09799) | | | | | --- | --- | --- | --- | | 泰德医药(03880) | 23.420 | 21.500 | -13.17% | | 恒月控股(01723) | 1.060 | 1.050 | -11.02% | | 乐思集团(02540) | 1.040 | 0.900 | -10.89% | | ＸＬ二南ＣＯ－Ｕ ...

来源：泰山财经 泰山财经记者 杨永明 胡明政 股份制银行：头部引领，核心区域精准布局 股份制银行作为国内银行业的中坚力量，在山东区域的布局呈现"头部引领、聚焦核心、精准发力"的特点，既包括总部扎根济南的本土全国性股份制银 行，也涵盖多家全国性股份制银行的异地分支机构，成为连接全国金融市场与山东地方实体经济的重要桥梁。 总部位于济南的恒丰银行，是山东唯一一家拥有独立法人资格的全国性股份制商业银行，作为国内12家全国性股份制银行之一，截至2025年9月末，资产 总额达15687.26亿元，距1.6万亿元关口仅一步之遥；在英国《银行家》杂志"2024年全球银行1000强"中以一级资本排名121位。 数据显示，全国性股份制银行在山东共设立25家一级分行、119家二级分行，合计设立144家分行，布局密度位居区域前列。其中，招商银行、光大银行与 恒丰银行布局最为广泛，在济南、青岛、烟台三大城市均设立了分行；渤海银行、浙商银行聚焦济南；其余股份制银行则重点布局济南、青岛两大核心城 市。 整体而言，股份制银行凭借灵活的经营机制与综合金融服务能力，在山东核心区域布局中发挥了"领头雁"作用，既带来了先进的经营理念与产品体系，也 ...

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2026年1月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 威海銀行股份有限公司 呈交日期: 2026年2月3日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | 其他類別 (請註明) | | 於香港聯交所上市 (註1) | | 否 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | N/A | 說明 | 内資股 | | | | | | | | | 法定/註冊股份數目 | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 4,971,197,344 RMB | | | 1 RMB | | 4,971,197,344 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 4,971,197,344 RMB | | | 1 RMB | | 4,971,197,344 | | 2. 股份分類 | 普通股 ...

Core Insights - Weihai Bank focuses on addressing the financing challenges in the elderly care industry by optimizing credit models and building a dedicated risk control system [1][2] - The bank aims to create a positive ecosystem where finance empowers industries and industries serve the public [1] Group 1: Financing Solutions - Weihai Bank has optimized its credit review logic to lower financing barriers and costs for elderly care institutions, which often face challenges such as light assets and long cycles [1] - A case study involves the Tai'an branch providing a loan of 10 million yuan to a private medical care enterprise, which lacked sufficient collateral but demonstrated strong operational capacity and growth potential [1] - The bank employs a multi-dimensional evaluation model that assesses operational capability, cash flow, and compliance to accurately profile enterprise credit [1] Group 2: Comprehensive Financial Services - In addition to credit support, Weihai Bank has developed comprehensive financial solutions tailored to the needs of elderly clients, including stable retirement financial products [1] - The bank is enhancing its physical branches to be more senior-friendly and has introduced online services such as a "large font" mobile banking app and priority customer service for elderly clients [1] - The bank's initiatives aim to bridge the digital divide and improve the overall service experience for older customers [1]

Core Viewpoint - Weihai Bank is focusing on integrating "dual carbon" goals with rural revitalization, addressing challenges in ecological resource valuation and financing through innovative green financial products [1]. Group 1: Green Financial Products - Weihai Bank has developed a matrix of green financial products aimed at revitalizing ecological capital, including "carbon sink expected income right pledge loans" and "carbon emission right pledge loans" [1]. - The bank issued the first "marine shellfish carbon sink index insurance pledge loan" in the country, creating new pathways for realizing the value of blue ecological products [1]. - An innovative "biodiversity + sustainability-linked loan" has been introduced, linking interest rates to ecological targets, with a financing allocation of 10 million yuan for the Tianjin crab-rice symbiosis project [1]. Group 2: Inclusive Financial Services - Weihai Bank has promoted the "Green Agricultural Loan," providing 500 million yuan in support to nearly 1,000 farmers, with customized credit products for various agricultural products [1]. - Specific loans such as "garlic loan," "pepper loan," and "apple loan" have been tailored to cover a range of agricultural and marine products, supporting the development of marine specialty agriculture [1]. Group 3: Collaboration and Market Access - To lower financing barriers, Weihai Bank has deepened collaboration among "finance + banks + guarantees," promoting the "Huinong Loan" to convert policy benefits into rural development momentum [2]. - The bank has extended its service scenarios by creating platforms like "pension markets" to connect agricultural products directly with urban consumers, enhancing the financial service continuum from production to sales [2].

近日，威海银行主动聚焦济南数智化轨道交通建设战略部署，精准对接城市轨道建设资金需求，向济南 某重点重工集团成功投放1.45亿元专项信贷资金，该笔资金全部专款专用，定向用于盾构机结构件采 购，为城市智慧轨道交通高质量建设注入强劲金融活水。 业务办理过程中，该分行积极突破传统授信评估模式的局限，创新构建多维评估体系，将企业数智化生 产能力、核心产业技术优势及项目对城市发展的社会价值全面纳入核心评估范畴，切实提升授信审批的 精准度。 责任编辑：栎树 同时，依托自身成熟的数智化风控系统，威海银行对项目合规资质、生产进度安排、资金使用规划等关 键环节开展多维度动态核验，有效简化审批流程、大幅提升审批效率，确保1.45亿元信贷资金及时足额 到位。针对盾构机结构件生产周期长、资金占用量大的特性，该分行同步量身匹配"分期投放、灵活还 款"的个性化用信方案，精准契合企业生产经营资金周转节奏，既有效缓解了企业资金压力，又切实降 低了企业综合融资成本，以优质金融服务助力企业赋能城市轨道建设。 银行频道更多独家策划、专家专栏，免费查阅>> ...

1月6日，国家金融监督管理总局潍坊监管分局发布的行政处罚信息公开表显示，威海银行潍坊分行因违规发放无实际用途贷款、虚增存贷款规模被罚款35万 元。同时，时任威海银行潍坊分行零售银行部副总经理（主持工作）刘胜男被警告。 有分析人士指出，威海银行潍坊分行被指"违规发放无实际用途贷款"并"虚增存贷款规模"。这类"空壳贷款"通常是指贷款资金未用于实际生产经营或消费， 可能很快回流至银行体系，造成资金空转。 威海银行潍坊分行此次并非首次受罚，早在2024年1月就曾因"违反流通人民币管理规定"被中国人民银行潍坊市分行处罚。 | | | | | 2 | | | | | 1 | | 序号 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 持工作)) | 经理(主 | 行零售银 41号 行部副总 | | 司潍坊分 字 (2025) | 海银行股 份有限公 潍金罚决 | (时任威 | 刘胜男 | 公司潍坊 40号 分行 | 潍金罚决 股份有限 字〔2025〕 | 威海银行 | 决定书文 称 름 | 行政处罚 ...

Core Insights - The report highlights the need for improved sustainable information disclosure capabilities among small and medium-sized banks in China, revealing significant disparities influenced by regulatory pressures, market listing status, and regional characteristics [1][9]. Group 1: Research Findings - Finding 1: There is a notable divergence between mandatory and voluntary disclosures, with listed banks generally having more robust frameworks due to external compliance pressures, while non-listed banks rely heavily on management's strategic vision [3][4]. - Finding 2: Regional characteristics shape disclosure practices, with banks in green finance reform pilot areas leveraging policy advantages to innovate in areas like green credit and carbon accounting [5][6]. - Finding 3: Common capacity bottlenecks include insufficient internal motivation, weak data foundations, lack of organizational structure, and inadequate integration of environmental risks into core processes [7][8]. Group 2: Recommendations - The report proposes a tiered capability enhancement roadmap, suggesting banks improve internal governance, develop comprehensive ESG risk management systems, and establish practical climate risk stress testing mechanisms [8][9]. - Specific actions include clarifying board responsibilities for ESG oversight, creating dedicated departments, and developing localized carbon accounting practices [8].

| 序号 | 当事人名 | 行政处罚 决定书文 | 主要违法 | 行政处罚 | 作出决定 | | --- | --- | --- | --- | --- | --- | | | 称 | יקם | 违规行为 | 内容 | 机关 | | | 成海银行 股份有限 | 潍金罚决 字 | | 罚款35万 | 国家金融 监督管理 | | 1 | 公司潍坊 | (2025) | | 元 | 总局潍坊 | | | 分行 | 40号 | | | 监管分局 | | 2 | 刘胜男 (时任威 海银行股 份有限公 | 潍金罚决 | 违规发放 无实际用 途贷款, 虚增存贷 | | 国家金融 | | | 司潍坊分 | fit | | | 监督管理 | | | | | 款规模 | 警告 | | | | 行零售银 | (2025) | | | 总局潍坊 | | | 行部副总 | 41号 | | | 监管分局 | | | 经理(主 | | | | | | | 持工 | | | | | | | 作) ) | | | | | 齐鲁晚报·齐鲁壹点 李国栋 近日，国家金融监督管理总局潍坊监管分局行政处罚信息公开表（潍金罚决字〔2025〕40-41号 ...