12月18日，江苏银行盘中上涨2.03%，截至13:19，报10.54元/股，成交8.67亿元，换手率0.45%，总市值 1934.23亿元。 资金流向方面，主力资金净流入6013.29万元，特大单买入1.67亿元，占比19.22%，卖出1.17亿元，占比 13.48%；大单买入2.48亿元，占比28.65%，卖出2.38亿元，占比27.45%。 江苏银行今年以来股价涨13.35%，近5个交易日涨1.25%，近20日跌3.66%，近60日涨2.33%。 分红方面，江苏银行A股上市后累计派现476.36亿元。近三年，累计派现257.94亿元。 机构持仓方面，截止2025年9月30日，江苏银行十大流通股东中，香港中央结算有限公司位居第四大流 通股东，持股7.76亿股，相比上期减少2.03亿股。 责任编辑：小浪快报 资料显示，江苏银行股份有限公司位于江苏省南京市中华路26号，成立日期2007年1月22日，上市日期 2016年8月2日，公司主营业务涉及吸收公众存款;发放短期、中期和长期贷款;办理国内外结算;办理票据 承兑和贴现;发行金融债券;代理发行、代理兑付、承销政府债券;买卖政府债券、金融债券;从事同业拆 借;买 ...

Core Viewpoint - The A-share market has seen a broad increase in bank stocks, indicating positive market sentiment towards the banking sector [1] Group 1: Stock Performance - Suzhou Bank, Xiamen Bank, Shanghai Bank, Hangzhou Bank, Jiangyin Bank, China Construction Bank, and Chongqing Rural Commercial Bank all experienced gains exceeding 2% [1] - Zhangjiagang Bank, Nanjing Bank, Jiangsu Bank, Qilu Bank, Changsha Bank, Qingdao Bank, and Chongqing Bank saw increases close to 2% [1]

银行 存款搬家股市放缓，中小行储蓄回流大行 2025 年 12 月 18 日 投资评级：看好（维持） 行业走势图 数据来源：聚源 -19% -10% 0% 10% 19% 29% 2024-12 2025-04 2025-08 银行 沪深300 相关研究报告 《存款非银化放缓，关注 2026Q1 大 行资负缺口压力—11 月金融数据点 评》-2025.12.13 《测算：BCBS 调整利率冲击幅度对Δ EVE 的影响 — 行业点评报告》 -2025.12.10 《大行 ΔEVE 指标测算及承接债券 能力评估—行业深度报告》-2025.12.8 ——11 月央行信贷收支表要点解读 | 刘呈祥（分析师） | 吴文鑫（分析师） | | --- | --- | | liuchengxiang@kysec.cn | wuwenxin@kysec.cn | | 证书编号：S0790523060002 | 证书编号：S0790524060002 | wuwenxin@kysec.cn 证书编号：S0790524060002 负债端：非银存款增长放缓，或反映股市脱媒减弱，定存到期持续流入理财 11 月大型银行非银存款下降 8 ...

登录新浪财经APP 搜索【信披】查看更多考评等级 根据《中华人民共和国证券投资基金法》、《公开募集证券投资基金运作管理办法》、《公开募集证券 投资基金信息披露管理办法》等有关规定及基金合同相关约定，天弘基金管理有限公司（以下简称"本 公司"）将旗下天弘鑫利三年定期开放债券型证券投资基金（基金主代码：008014，以下简称"本基 金"）关联交易情况公告如下： 本基金在二级市场买入本基金基金托管人江苏银行股份有限公司发行的"25江苏银行债03BC"债券。交 易详情如下： ■ 以上交易符合本基金的投资目标和投资策略，交易价格公允。本基金管理人严格按照法律法规的要求和 本基金基金合同的约定，履行相关程序。 投资者可登录我公司官方网站（www.thfund.com.cn）或拨打我公司客户服务热线（400-986-8888）了解 本基金的相关事宜。 风险提示 基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产，但不保证基金一定盈利，也不保证 最低收益。投资者投资于本基金时应认真阅读本基金的《基金合同》和《招募说明书》等相关法律文 件。 风险提示：本公司作为基金管理人承诺以诚实信用、勤勉尽责的原则管理和运用基金资产 ...

Core Viewpoint - Commercial banks are proactively preparing for the 2026 credit season by focusing on project reserves and customer management, indicating a strategic shift to enhance their operational foundations in a complex environment [1][2][3]. Group 1: Credit Strategy and Project Preparation - Several listed banks have begun to lay out their credit strategies for 2026, with some starting as early as the second half of 2025 to ensure a robust project reserve [2][3]. - Banks are conducting investor surveys to discuss their "early bird" strategies, credit focus areas, and measures to manage net interest margins and funding costs [3][4]. - Suzhou Bank and Jiangsu Bank have initiated project reserves and are aligning their credit strategies with regional economic transformations and key sectors [3][4]. Group 2: Net Interest Margin and Profitability Outlook - Analysts expect a positive trend in net interest margins for 2026, with many banks indicating that the pressure on margins is likely to ease, leading to a recovery in net interest income [2][6][7]. - Institutions like Ping An Securities predict that net interest income growth will rise to 4% due to improved pricing dynamics and reduced funding costs [6]. - The overall financial performance of listed banks is anticipated to surpass that of 2025, driven by a combination of interest margin stabilization and improved non-interest income [6][7]. Group 3: Sectoral Focus and Competitive Landscape - The "14th Five-Year Plan" is expected to guide banks towards focusing on manufacturing, technological innovation, and green finance, with a significant emphasis on digital infrastructure and sustainable energy [7][8]. - There is a notable divergence in the competitive landscape, with state-owned banks benefiting from their scale and lower funding costs, while joint-stock banks face increasing pressure from both state-owned and city commercial banks [8].

本次大赛评委来自中行、农行、工行、建行、交行、江苏银行（600919）等江苏金融机构，江苏毅达、 南京紫金科创、苏州元禾控股等创投机构，还有一些创业孵化基地代表、创业企业家、创业导师等，在 确保评审专业性的同时，也为参赛选手打开了通向广阔资源的大门。所有参赛选手均有机会获得创业富 民贷、创业补贴、社保补贴等个性化政策服务包；享受运营管理、人才引进、融资对接、市场拓展、创 业培训、专家指导等针对性创业服务。对获奖的技术技能+创业项目优先列入专项职业能力考核规范开 发计划，符合条件的列入新职业（工种）申报计划。人社部门还将引导参赛项目入驻优质创业基地，帮 助落实优惠政策，在创业指导、资源对接、场地支持等方面提供便利条件。 大赛设置民生需求+创业项目、技术技能+创业项目、劳务品牌+创业项目3个赛道。民生需求+创业项 目，重点面向"衣食住行游购娱"等消费场景，主要包括夜间经济、直播电商、养老托幼、文化体育、环 境保护、农业生产、医疗健康、教育培训等民生领域。技术技能+创业项目，重点面向先进制造业、非 物质文化遗产传承等技能人才和乡土人才培育集聚行业，其中先进制造业项目主要包括高端装备、新材 料、新能源、信息技术、智能 ...

Core Insights - The article discusses the challenges and innovations in financing technology-driven enterprises, particularly in Jiangsu Province, where traditional credit models struggle to meet the unique needs of these companies [1][4]. Group 1: Innovation in Financing - Jiangsu Province is leading in regional innovation capabilities, moving away from traditional collateral-based lending to a system using "Su Chuang Points" to evaluate innovation [2][4]. - The "Su Chuang Points Loan" product has been developed to assist enterprises in their growth, particularly in the biomedicine sector, which has high funding demands and long development cycles [3][11]. Group 2: Financial Products and Support - Since its establishment in December 2024, the Nanjing Biomedicine Sub-center has facilitated project financing totaling 225 million yuan, collaborating with banks to create tailored credit products for university research projects [3]. - By the end of Q3 2025, nearly 40,000 enterprises were classified as "priority support" or "recommended support," with a loan balance of 381.2 billion yuan under the "Su Chuang Points Loan" program [5]. Group 3: Digital Financial Innovations - Digital financial tools are enhancing the capabilities of technology finance, with banks creating comprehensive profiles and scoring systems for enterprises based on their innovation capabilities [6][7]. - The China Bank Jiangsu Branch has developed a digital financial platform that provides real-time insights into industry chains and pre-approval credit limits for technology enterprises [7]. Group 4: Policy Support and Collaboration - The People's Bank of China is working with the Jiangsu Provincial Science and Technology Department to introduce special support policies for technology finance, addressing the mismatch between traditional credit models and the needs of tech enterprises [4][8]. - The "Su Chuang Rong" product has supported technology SMEs with loans totaling 397.8 billion yuan by the end of Q3 2025, demonstrating the effectiveness of policy-driven financial support [8]. Group 5: Tailored Services for Startups - Local banks are focusing on small and micro enterprises, emphasizing non-credit services such as equity financing and resource matching to better meet the needs of early-stage technology companies [9][10]. - The establishment of specialized banking teams with expertise in finance, industry, and risk management is crucial for effectively serving technology enterprises [9]. Group 6: Comprehensive Financial Service Systems - A comprehensive financial service system has been established in Suzhou, integrating digital credit platforms and specialized financial products to support innovation and technology-driven enterprises [13][14]. - The "Innovation Index" has been developed to help financial institutions better understand and support the operational needs of innovative companies [13].

运营商财经网讯 作为财经领域知名媒体平台，长期以来运营商财经网致力于坚持打造独家新闻观点，扩大行业影响力。 近期，运营商财经网又正式推出了"2025年度城商行十大杰出董事长"榜单。聚焦2025年国内各大城商行 综合表现，关注多家头部企业重点人物，综合多重因素推出独家榜单。 | 银行机构 | 董事长 | 序号 | | --- | --- | --- | | 江苏银行 | 葛仁余 | 1 | | 2 | 上海银行 | 顾建忠 | | 谢宁 | 3 | 南京银行 | | 中原银行 | 郭浩 | 4 | | 5 | 长沙银行 | 赵小中 | | 6 | 重庆银行 | 杨秀明 | | 7 No | 天津银行 | 于建忠 | | 8 | 郑祖刚 | 齐鲁银行 | | 9 | 广东华兴银行 | 周泽荣 | | 10 | 厦门银行 | 洪枇杷 | | 、利润等业绩、个人知名度等, | 运营商财经网编辑整理 | | | 有校角 有清酒-Telwor | 不意容服招 | | | 生流财经媒体 有说虚有? | | | 长期以来，城商行在国内金融体系中扮演着至关重要的角色，是支持地方经济发展的重要力量。据了 解，在此次榜单的评选过程 ...

针对客单价较高的消费场景，江苏银行在合作支付平台同步推出分期付款立减、消费贷优惠等专项权益 活动，精准匹配消费者多元化支付需求。此次专项举措投入营销费用超百万，通过优化消费金融服务， 进一步提升大额消费交易规模，为消费升级提供有力支撑。 为积极响应全民消费热潮，充分发挥金融服务实体经济的重要作用，江苏银行围绕 "双十二" 消费节 点，精心部署多项线上促消费举措，并投入约330万元营销费用，通过跨界合作、资源聚焦、权益升级 等方式，全方位激活消费潜力，助力消费市场提质扩容。 联动头部支付平台，激活全域消费活力 江苏银行主动携手支付宝、京东等国内头部支付平台，聚焦 "双十二" 购物节核心客群，推出限定支付 优惠活动。本次活动专项投入营销费用约150万元，以实打实的优惠力度降低消费者购物成本，有效激 发全域消费热情，助力消费市场持续升温。同时，江苏银行将向"苏品苏货"等目标商户加大专项金融资 源支持力度，以信贷支持、消费补贴、支付优惠等多种形式，为优质商户经营与本地经济高质量发展注 入金融动力。 聚焦大额消费场景，开展信贷优惠活动 江苏银行依托手机银行2200万客户资源，在线上专区搭建了"苏品苏货"专区、聚惠平台等 ...

Investment Rating - The industry investment rating is "Increase" (maintained) [2][21] Core Insights - The external environment and major power competition remain important starting points for policy, with increased confidence in addressing internal and external issues [4][11] - Fiscal policy will maintain a stable and more proactive stance, with a focus on domestic demand and innovation [4][12] - Monetary policy will continue to be moderately loose, emphasizing flexible decision-making and policy efficiency [4][12] - The regulatory approach for small and medium financial institutions has shifted from "risk resolution" to "quality improvement" [4][18] Summary by Sections Overall Thoughts - The report emphasizes that the external environment and major power competition are crucial for economic policy, with a more confident outlook on both internal and external challenges [4][11] Fiscal Policy - The fiscal policy will continue to be more proactive, focusing on maintaining stability. The emphasis will be on domestic demand and innovation, with a potential tightening of tax incentives and subsidies [4][12][18] Monetary Policy - The monetary policy will remain moderately loose, with a focus on flexible and efficient decision-making. The use of various policy tools, including adjustments to reserve requirements and interest rates, will be prioritized [4][12][18] Financial Regulation - The regulatory focus for small and medium financial institutions has transitioned to enhancing quality rather than merely resolving risks, indicating a shift towards reform and consolidation in the sector [4][18] Investment Recommendations - Investment strategies for bank stocks have shifted from "pro-cyclical" to "weak-cyclical," with a focus on high-dividend stability during economic downturns. Recommendations include regional banks with strong certainty and large banks with high dividends [4][20]