2025年的中国银行业正步入一个深度调整期。在服务国家战略、让利实体经济的宏观要求下，净息差收 窄已成行业性"新常态"，过往依赖规模扩张的增长模式难以为继，银行间的业绩分化与转型压力日益显 著。 在这样的大背景下，上市银行的中期业绩报告，便成为观察行业转型趋势的绝佳窗口，而华夏银行交出 的这份"期中答卷"，则尤为值得剖析。今年一季度，该行营收同比下滑超过11%，似乎正印证着行业所 面临的普遍困境。然而，中报数据却展示出"V型"反转：其二季度单季营收同比增长4.15%，一举扭转 颓势，释放出企稳信号。 这背后并非是简单的市场波动，它与年初该行核心管理层的变更紧密相连。今年2月，杨书剑正式出任 华夏银行党委书记、董事长。下车伊始，一场深度内部改革拉开序幕，杨书剑提出"刀刃向内"的改革要 求，号召全行"走出舒适区，开辟新征程"，直面改革创新难点、转型发展痛点及作风建设堵点，要求 将"破局思维"转化为"破冰行动"。 可以说，这份企稳向好的成绩单，既有市场环境修复的因素，也更是内部改革成效的初步体现。 业绩"V"型反转，新帅交出的首份答卷 对于年初完成管理层交接的华夏银行而言，2025年的中期业绩报告是市场检验其新战略 ...

Core Viewpoint - The Chinese banking industry is entering a deep adjustment period in 2025, with narrowing net interest margins becoming the new normal, and the reliance on scale expansion for growth is no longer sustainable. The performance differentiation among banks and the pressure for transformation are increasingly evident [1] Group 1: Performance Analysis - In Q1, Huaxia Bank's revenue declined by over 11% year-on-year, reflecting the industry's common challenges. However, the Q2 data showed a "V-shaped" recovery with a 4.15% year-on-year revenue growth, indicating signs of stabilization [1][2] - For the first half of the year, Huaxia Bank achieved operating income of 45.522 billion yuan, with a year-on-year decline narrowing by nearly 12 percentage points compared to Q1. The net profit attributable to shareholders was 11.47 billion yuan, down 7.95% year-on-year, but this decline was over 6 percentage points less than in Q1 [3] - The significant recovery in performance was attributed to a substantial reduction in fair value losses, which narrowed to 186 million yuan by the end of Q2, contributing over 2.2 billion yuan to the quarter's positive recovery [3] Group 2: Risk Management and Dividends - Huaxia Bank's net interest margin stood at 1.54%, significantly higher than the industry average of 1.42%, providing a relatively ample profit cushion. The management plans to stabilize the margin by optimizing the asset-liability structure [4] - The bank maintained a stable risk profile, with a non-performing loan ratio of 1.60%, unchanged from the end of the previous year, and a provision coverage ratio of 156.67%, meeting regulatory requirements. Despite overall performance pressure, the bank proposed a cash dividend of 1.00 yuan per 10 shares, totaling 1.591 billion yuan, reflecting confidence in shareholder returns [4] Group 3: Strategic Initiatives - The second quarter's performance recovery is seen as the first report card for Huaxia Bank's new management, with a clear path for future growth outlined in its strategic initiatives [5] - Technology and green finance are emerging as strong dual engines for transformation, with technology loans reaching 210.5 billion yuan, up 32.31% year-on-year, and green loans at 332.9 billion yuan, up 16.79%, both exceeding the bank's total loan growth of 2.15% [6] - The bank is actively enhancing its digital transformation, with significant upgrades to customer platforms and the application of AI technologies, achieving over 2,000 automated online scenarios, saving over 350,000 hours of work [7][8]

【中国证监会就《公开募集证券投资基金销售费用管理规定（征求意见稿）》公开征求意见】 为落实《推动公募基金高质量发展行动方案》，进一步降低基金投资者成本，规范公募基金销售市 场秩序，保护基金投资者合法权益，推动公募基金行业高质量发展，中国证监会对《开放式证券投资基 金销售费用管理规定》进行了修订，并更名为《公开募集证券投资基金销售费用管理规定》，现向社会 公开征求意见。《规定》共六章28条，主要内容如下：一是合理调降公募基金认购费、申购费、销售服 务费率水平，降低投资者成本。二是优化赎回安排，明确公募基金赎回费全额计入基金财产。三是鼓励 长期持有，明确对投资者持有期限超过一年的股票型基金、混合型基金、债券型基金，不再计提销售服 务费。四是坚持权益类基金发展导向，设置差异化的尾随佣金支付比例上限。五是强化基金销售费用规 范，统筹解决基金销售结算资金利息归属、基金投顾业务双重收费等问题。六是建立基金行业机构投资 者直销服务平台，为基金管理人直销业务发展提供高效、便捷、安全服务。 【外汇局拟扩大跨境贸易高水平开放试点范围】 国家外汇管理局9月5日发布《国家外汇管理局关于进一步便利外汇资金结算支持外贸稳定发展的通 知（ ...

此次处罚公示中，浙商银行股份有限公司因相关互联网贷款等业务管理不审慎，被处以罚没合计1130.80万元的处罚。相关责任人员谭飞达也被给予警 告处分。 近年来，互联网贷款业务发展迅速，但部分银行在业务拓展过程中风险管控不够严格，成为监管关注的重点领域。 【文/羽扇观经工作室】 9月5日，国家金融监督管理总局近日公布最新行政处罚信息，对多家银行及金融机构的违规行为进行严厉处罚，涉及罚款总额超过1亿元，并对多名相 关责任人员实施从业禁止等措施。 在此次处罚名单中，华夏银行股份有限公司因相关贷款、票据、同业等业务管理不审慎，监管数据报送不合规等问题，被金融监管总局处以8725万元罚 款，成为本轮处罚中金额最高的案例。 同时，华夏银行相关责任人员也受到相应处罚：陈成天、刘建新被给予警告处分；钱建华、何羽、吕玉梅、涂超等四人除被警告外，还被处以总计20万 元的罚款。 据不完全统计，今年以来，华夏银行及其分支机构已收到超过15张罚单，累计罚款金额近1500万元，加上此次的大额罚单，其年内被罚款的总金额已超 1亿元。 此前多张罚单已直指其内控管理漏洞，如华夏银行温州分行因贷款"三查"不到位、信贷资金被挪用、违规发放借名贷款等 ...

9月5日，据国家金融监管总局官网显示，华夏银行因相关贷款、票据、同业等业务管理不审慎，监管数 据报送不合规等违法违规行为，被重罚8725万元，六名相关责任人被警告并罚款共计20万元，为截至目 前金融业年内最大罚单。 当日，华夏银行在其官网发布关于诚恳接受国家金融监督管理总局行政处罚的公告。公告中提到，该行 诚恳接受监管部门的处罚决定。对于监管处罚问题，该行高度重视，深入分析问题成因，已迅速落实各 项整改措施，下一步将持续强化内控合规管理，推动业务经营健康发展。 从华夏银行发布的2025年半年报来看，其经营情况面临挑战。上半年，该行实现营业收入455.22亿元， 同比减少5.86%；归属于上市公司股东的净利润114.7亿元，同比减少7.95%，净利润增速在 A股上市银 行中最低。 在收入构成上，上半年华夏银行实现利息净收入305.74亿元，同比减少3.6%。虽然手续费及佣金净收入 同比增长2.55%至30.95亿元，但投资收益、公允价值变动损益、汇兑损益合计为86.8亿元，同比减少 25.42亿元，降幅达到22.64%。 资产质量方面，截至2025年6月末，华夏银行资产总额接近4.55 万亿元，较上年末增长3. ...

Summary of Key Points Core Viewpoint - The National Financial Supervision Administration has imposed fines exceeding 100 million yuan on several financial institutions due to various regulatory violations, highlighting ongoing scrutiny in the banking sector [1][2]. Group 1: Fines and Violations - Huaxia Bank was fined 87.25 million yuan for imprudent management of loans, bills, and interbank business, along with non-compliance in regulatory data reporting [1]. - Zhejiang Commercial Bank faced a fine of 11.308 million yuan for imprudent management of internet loans [1]. - CCB Financial Asset Investment Co. was fined 850,000 yuan for imprudent practices in debt-to-equity swap projects and irregular service fee pricing [1]. - ICBC Financial Asset Investment Co. was fined 400,000 yuan for non-compliance in service price management [2]. - CCB Insurance Asset Management Co. was fined 1.15 million yuan for operations not meeting regulatory requirements regarding trust plans and related transactions [2]. - Pacific Asset Management Co. was fined 1 million yuan for non-compliance in debt investment plan operations and insurance asset management products [2]. Group 2: Personnel Actions - Several responsible personnel from the fined institutions received warnings and fines, including Huaxia Bank's Chen Chengtian and Liu Jianxin [1]. - CCB Financial Asset Investment Co.'s Xu Wenbo was banned from the banking industry for five years due to violations [1]. - ICBC's former employees Li Chao and Yi Zhongbin were banned from the banking industry for five and seven years, respectively, for serious violations of prudent operation rules [2].

摩根基金管理（中国）有限公司已与华夏银行股份有限公司签订了基金销售代理协议，现决定自本公告 之日起，新增华夏银行股份有限公司"华夏e家"平台为摩根纯债债券型证券投资基金（A类份额代码： 371020；B类份额代码：371120；D类份额代码：022294）的代销机构。 投资人可通过华夏银行股份有限公司"华夏e家"平台开展基金的申购、赎回、定期定额等相关业务。具 体的业务流程、办理时间和办理方式以华夏银行股份有限公司"华夏e家"平台的规定为准。 有关摩根纯债债券型证券投资基金（A类份额代码：371020；B类份额代码：371120；D类份额代码： 022294）销售的具体事宜请仔细阅读本基金的招募说明书、基金产品资料概要及基金合同等相关法律文 件。 投资者可通过以下途径咨询有关详情： 1、华夏银行股份有限公司 客服电话：95577 公司网址：www.hxb.com.cn 2、摩根基金管理（中国）有限公司 客服电话：400-889-4888 公司网址：am.jpmorgan.com/cn 二○二五年九月八日 关于新增江海证券有限公司为摩根 基金管理（中国）有限公司 旗下部分基金代销机构的公告 摩根基金管理（中国） ...

长江商报记者注意到，在金融业"强监管、严监管"的常态化趋势下，2025年以来华夏银行已多次被罚， 且信贷业务成为违规"重灾区"。包括本次被罚在内，华夏银行年内收到的罚单金额合计已超过9900万 元。 当前，华夏银行正面临"业绩疲软"与"合规失守"并存的困境。数据显示，2025年上半年，华夏银行实现 营业收入455.22亿元，同比减少5.86%；归属于上市公司股东的净利润（净利润，下同）114.7亿元，同 比减少7.95%，净利润增速在A股上市银行中最低。 不仅如此，截至2025年6月末，华夏银行不良贷款率1.60%，与上年末持平，在A股9家上市股份行中最 高。 收8725万元"天价罚单" 短短一日内，国家金融监管总局对多家金融机构开出合计上亿元的罚单。 长江商报消息 ●长江商报记者 徐佳 全国性股份行再现天价罚单。 9月5日，国家金融监管总局官网披露，华夏银行（600015.SH）因相关贷款、票据、同业等业务管理不 审慎，监管数据报送不合规等违法违规行为，被重罚8725万元。同时，另一家股份行浙商银行也被罚千 万。 7月份，华夏银行太原杏花岭支行因贷后管理不到位，被罚30万元；华夏银行石家庄分行因违规向风险 ...

（原标题：华夏银行被罚8725万元 从贷款审批到数据治理系统性失灵） 天价罚单为何砸向华夏银行？从贷款审批到数据报送，此次处罚又揭开了银行内控与数据治理的哪 些"痼疾"？ 9月5日，国家金融监督管理总局发布行政处罚信息，对华夏银行股份有限公司及相关责任人员依法作出 重大行政处罚。经查，该行在贷款、票据、同业等核心业务管理中存在审慎性不足问题，同时监管数据 报送亦不符合合规要求。依据《中华人民共和国银行业监督管理法》等相关法律法规，监管部门决定对 华夏银行处以罚款8725万元。 当前，金融监管数据建设与治理呈现出全局化、标准化、下沉式、跨应用的趋势。数据是监管机构作出 监管判断并采取相应措施的重要基础。2012年，原银监会开发并开始应用检查分析系统(Examination & Analysis System Technology，EAST)。该系统可帮助现场检查人员灵活筛选、提取银行数据，建模并挖 掘分析数据，大幅提升了数据收集、处理和分析的能力。 对于银行业金融机构来讲，为了更好的满足监管要求，需要把监管数据治理的重点往前移，但是这是一 个比较系统比较复杂的过程，涉及到了不同条线，不同部门之间的配合，包括业务 ...

Investment Rating - The report maintains an "Increase" rating for the banking sector, indicating a positive outlook for the industry [1]. Core Insights - In the first half of 2025, the contribution of financial asset disposal gains from AC and OCI accounts to revenue reached 5.2%, an increase of 2.9 percentage points compared to 2024 [1][2]. - The investment income growth rate for 42 listed banks was 23.6%, with AC, OCI, and TPL gains showing year-on-year growth rates of 134.7%, 79.0%, and -8.4% respectively [1]. - The report highlights that the increase in disposal gains does not necessarily indicate a significant increase in asset disposal scale, as market conditions and strategies vary among banks [2]. Financial Asset Disposal Gains - The contribution of AC and OCI financial asset disposal gains to revenue was 5.2%, up 2.9 percentage points from 2024, with AC asset disposal gains contributing 2.6% [2]. - Among different types of banks, rural commercial banks had the highest contribution from AC and OCI disposal gains, reaching 11.0%, an increase of 6.2 percentage points from 2024 [2]. - Specific banks such as Jiangyin Bank, Sunong Bank, and Zijin Bank had high disposal gain ratios relative to their revenue, at 28.9%, 26.7%, and 22.7% respectively [2]. OCI Floating Profit Situation - The overall OCI floating profit decreased compared to the end of the previous year, accounting for 12.6% of the estimated profit for 2025 [3]. - Major state-owned banks like CCB and ABC reported significant OCI floating profits, with balances exceeding 30 billion [3]. - The average contribution of OCI floating profits to profits for city and rural commercial banks was notably high, with Ningbo Bank's ratio reaching 35% [3][6]. Sector Trends - The banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with a focus on real estate and consumer spending [7]. - The report suggests a focus on banks with improving fundamentals, such as Ningbo Bank, and those with dividend strategies like Jiangsu Bank and Chengdu Bank [7]. - Attention is also drawn to banks with potential convertible bond conversion expectations, including Shanghai Bank and Industrial Bank [7].