从资金流向上来看，当日城商行板块主力资金净流出3.82亿元，游资资金净流出1.38亿元，散户资金净流 入5.21亿元。城商行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601009 南京银行 | | 1.35 Z | 15.71% | -1.65 Z | -19.31% | 3077.83万 | 3.60% | | 601665 齐鲁银行 | | 6627.67万 | 10.23% | -4361.83万 | -6.74% | -2265.83万 | -3.50% | | 001227 | 兰州银行 | 965.81万 | 5.77% | -405.00万 | -2.42% | -560.81万 | -3.35% | | 002966 苏州银行 | | 627.64万 | 2.50% | -581.69万 | -2.32% | -45.95万 | -0.18% | | 002936 ...

Group 1: Market Performance - The three major indices showed strong performance, with the Shanghai Composite Index rising by 0.48%, surpassing last year's October high, while the Shenzhen Component Index increased by 1.76% and the ChiNext Index surged by 3.62% [1] - Over 2,600 stocks in the two markets experienced gains, with a total trading volume of approximately 2.15 trillion yuan [1] Group 2: Sector Highlights - The computing power, liquid cooling servers, and CPO concept stocks performed exceptionally well, with New Yisheng (300502.SZ) rising over 15%, and other notable gains from Zhongji Xuchuang (300308.SZ) at 11.66% and Cambridge Technology (603083.SH) at 9.93% [1] - PEEK materials saw collective strength, with companies like Huami New Materials (836247.BJ) and Xinhang New Materials (301076.SZ) experiencing significant increases [2] - The non-ferrous metals sector also performed well, with Electric Alloy (300697.SZ) rising over 9% and other companies like Luoyang Molybdenum (603993.SH) and Zhongfu Industrial (600595.SH) showing strong gains [2] Group 3: Economic Insights - Citic Securities noted that poor economic and employment data in the U.S. strengthened market expectations for a Federal Reserve rate cut in September, contributing to a broad rise in the non-ferrous metals sector [3] - The domestic push for "anti-involution" to optimize production factors is expected to enhance profitability across various sectors, benefiting metal prices [3] - The valuation of industrial metals is currently low, indicating potential for upward correction, with a bullish market for non-ferrous metals starting to emerge [3] Group 4: Policy and Market Sentiment - Dongguan Securities highlighted active market sentiment, suggesting an overweight position in the financial sector due to supportive policies aimed at enhancing the attractiveness of domestic capital markets [4] - The number of new A-share accounts opened in July reached 1.96 million, a significant year-on-year increase of 71%, indicating rising market participation and potential business opportunities for the securities industry [4] - Some sectors, including banks, coal, and logistics, experienced declines, with notable drops in stocks like Lu'an Huaneng (601699.SH) and Jiangsu Bank (600919.SH) [4]

中央首次实施的个人消费贷款"国补"，城商行、农商行无缘首批经办机构名单。 8月12日，财政部、中国人民银行、金融监管总局联合印发《个人消费贷款财政贴息政策实施方案》 （以下简称《实施方案》）。自2025年9月1日至2026年8月31日，居民个人在贷款经办机构办理的、实 际用于消费的个人消费贷款（不含信用卡业务），可享受年贴息比例1个百分点的财政补贴，贴息金额 最高不超过贷款合同利率的50%。 与此同时，财政贴息银行名单也同步落地。六大国有银行与十二家全国性股份制银行入列，城商行、农 商行等地方性银行集体缺席，即便是2024年末个人消费贷规模位居全国前列的宁波银行（3575亿元）、 江苏银行（3229亿元）、北京银行（2068亿元），也未能跻身其中。 业内人士表示，贴息名单决定了客户能否直接获得政策优惠，这一初步安排对城商行、农商行等中小银 行的冲击不容小觑，或将引发消费贷市场竞争格局的新一轮洗牌。不过，名单外银行并非没有机会，它 们可以通过产品创新、服务升级打造差异化优势。 同时，8月13日，在国新办举行的新闻发布会上，财政部副部长廖岷亦表示，政策到期后，还会开展效 果评估，研究视情况延长政策的期限，或扩大支 ...

证券之星消息，8月12日城商行板块较上一交易日上涨0.03%，苏州银行领涨。当日上证指数报收于 3665.92，上涨0.5%。深证成指报收于11351.63，上涨0.53%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 002966 | 苏州银行 | 8.63 | 0.94% | 29.67万 | 2.56亿 | | 002142 | 宁波银行 | 28.49 | 0.74% | 17.67万 | = 5.03亿 | | 601963 | 重庆银行 | 10.27 | 0.59% | 1 9.06万 | 9306.64万 | | 002936 | 郑州银行 | 2.10 | 0.48% | 82.44万 | 1.73亿 | | 001227 | 兰州银行 | 2.49 | 0.40% | 60.13万 | 1.50亿 | | 601997 | 贵阳银行 | 6.40 | 0.31% | 32.00万 | 2.05亿 | | 600928 | 西安银行 | 3.88 ...

Group 1 - In January 2022, China saw a record high of 3.98 trillion yuan in new RMB loans, indicating strong financial support for the economy amid downward pressure [1][2] - The increase in loans is primarily driven by a significant rise in corporate loans, which accounted for over 80% of the total new loans, amounting to 3.36 trillion yuan [2][3] - The People's Bank of China is focused on stabilizing the economy by implementing policies that promote lending and support for the real economy, particularly in the face of economic challenges [2][3] Group 2 - Various regions are actively implementing financial measures to stimulate market vitality, with specific initiatives such as the "1+5+N" program in Chongqing aimed at supporting small and micro enterprises [4] - In January 2022, Chongqing's banks issued 38.729 billion yuan in new loans to small and micro enterprises, reflecting a year-on-year growth of 32.64% [4] - Financial institutions are responding to the needs of market entities by enhancing coordination and offering tailored financial products to address the challenges faced by small and micro enterprises [6] Group 3 - Despite improvements in corporate financing, challenges remain, particularly for small and micro enterprises that struggle with collateral requirements and high financing costs [6] - The People's Bank of China is transitioning direct tools to market-oriented policies to increase credit support for small and micro enterprises and individual businesses [6] - Financial institutions are committed to leveraging the strong demand for credit at the beginning of the year to proactively engage with businesses and provide necessary support [6]

监管审批或稳步推进 据证监会官网披露的信息梳理，目前共有48家证券公司、银行和金融公司获得证券投资基金托管资 格，其中银行有21家，包含渣打银行（中国）、花旗银行（中国）和德意志银行（中国）3家外资银 行。 继2014年江苏银行获批后，苏州银行日前发布公告称已获得证券投资基金托管资格，这是又一中资 银行拿到托管"资格证"。 "托管人是资管行业的'守门人'，掌握或参与各类资管业务的资金流动和证券交割，位置至关重 要，因此监管层对银行资质要求极其严格。"中信证券首席经济学家明明在接受记者采访时表示，对于 金融机构而言，获得证券投资基金托管资质意味着其自身实力受到监管和市场认可，有利于通过发展托 管业务拓宽其他各类业务，壮大自身体量。 中国银行研究院研究员原晓惠对记者表示，在利率市场化改革银行净利息收入承压的背景下，获得 基金托管资质利于银行拓展中间收入业务、提升业务多样性。特别是在公募基金方面，银行相比于券商 等金融机构，有较坚实的客户基础和渠道优势，有利于培养较强的竞争力。 托管业务正被越来越多的银行所看重。数据显示，2021年以来，截至3月23日，银行间基金托管总 规模近26.24万亿元，不过，规模排名前十均 ...

上市银行分红季已经开启。6月9日，贵阳银行共派发现金红利10.97亿元。截至目前，已有9家银行 实施了2021年度分红，总金额超过155亿元。另外，还有4家银行已发布2021年年度权益分派实施公告， 现金分红将于下周实施。 一直以来，A股上市银行都是"分红大户"。2021年年报数据显示，银行板块以拟超5400亿元的现金 分红规模在申万31个行业板块中居于首位。除分红"大气"外，银行股股息率也普遍较高。业内人士认 为，银行股具有长期配置价值。 9家银行派发逾155亿元 6月8日晚，兴业银行发布公告称，该行将于6月16日派发2021年年度A股权益，每股派发现金红利 1.035元（含税），共计派发现金红利215.01亿元。同日晚间，南京银行宣布，将于6月17日派发2021年 年度A股权益，每股派发现金红利0.46162元（含税），共计派发现金红利47.57亿元。 据中国证券报记者不完全统计，截至目前，共有13家A股上市银行发布2021年年度权益分派实施公 告，其中9家银行已实施完毕，共计派发现金红利155.70亿元。 9家银行中，现金分红比例超过30%的有3家，最高的是青岛银行，为31.86%；最低的是贵阳银行， ...

A股上市银行业绩快报陆续披露中。同花顺数据显示，截至7月25日记者发稿，已有紫金银行、厦 门银行、江苏银行、杭州银行等11家银行披露了上半年业绩快报。11家银行归母净利润均实现两位数增 长，业绩表现靓丽，资产质量稳中向好。 目前披露业绩快报的银行大多位于江浙沪地区。其中，江苏银行、南京银行、杭州银行上半年营业 收入均超过百亿元；杭州银行、江苏银行、无锡银行归母净利润均增超30%。 业绩快报显示，今年上半年，江苏银行、南京银行、杭州银行分别实现营业收入351.07亿元、 235.32亿元、172.95亿元，分别同比增长14.22%、16.28%、16.26%。杭州银行、江苏银行、无锡银行分 别实现归母净利润65.85亿元、133.80亿元和10.20亿元，分别同比增长31.52%、31.20%、30.27%。 11家银行中，归母净利润增速最小的为紫金银行，上半年实现营业收入21.66亿元，同比增长 2.64%；归母净利润8.24亿元，同比增长10.05%。不过，该行归母净利润仍实现两位数增长，资产质量 和风控能力有所提升。截至今年6月末，该行不良贷款率1.20%，较年初减少0.25个百分点。拨备覆盖率 261. ...

Core Viewpoint - The A-share listed banks have reported strong performance in their semi-annual reports, with significant growth in net profit and improved asset quality across multiple institutions [1][2]. Group 1: Financial Performance - Zhangjiagang Bank reported a total operating income of 2.353 billion yuan, a year-on-year increase of 5.74%, and a net profit attributable to shareholders of 762 million yuan, up 27.76% year-on-year [2]. - As of August 10, 2022, 12 listed banks have disclosed their semi-annual performance, all showing double-digit growth in net profit [2][3]. - Jiangyin Bank achieved the highest year-on-year growth in operating income at 25.96%, while Zijin Bank had the lowest at 2.64% [3]. Group 2: Asset Quality - The non-performing loan (NPL) ratio for Zhangjiagang Bank decreased by 0.05 percentage points to 0.90% as of June 30, 2022 [2]. - Among the 12 listed banks, Hangzhou Bank had the lowest NPL ratio at 0.79%, while Jiangyin Bank showed the most significant improvement, with a decrease of 0.34 percentage points to 0.98% [3][4]. Group 3: Provision Coverage - The provision coverage ratio increased for 10 out of 12 banks, with Hangzhou Bank, Changshu Bank, Zhangjiagang Bank, Wuxi Bank, and Suzhou Bank exceeding 500% [4]. - Jiangyin Bank and Suzhou Bank saw significant increases in their provision coverage ratios, rising by 165.46 percentage points and 82.02 percentage points, respectively [4]. Group 4: Market Outlook - Analysts are optimistic about the valuation recovery of the banking sector, citing stable net interest margins and improved asset quality as key factors [5][6]. - The overall performance of listed banks is expected to remain robust, with a focus on regional banks benefiting from economic recovery and increased financing demand [6].

A股上市银行今年上半年经营情况如何？ 据记者初步统计，截至今年8月初，已有12家A股上市银行披露业绩快报（未经审计），披露主体目前 均为城商行和农商行。从已披露的数据来看，银行业绩表现亮眼，归母净利润均较去年同期实现两位数 增长，且有多家银行同比增长超30%。 光大银行金融市场部宏观研究员周茂华表示，介于二季度遭遇了散发疫情的冲击，银行如果有两位数的 利润增长，则表明银行的经营和盈利性相当有韧性。 对于银行下半年经营情况，周茂华表示，虽然二季度的散发疫情波及面比较广，但对银行的影响整体可 控，加之上半年出台的政策，其效果也会在下半年逐渐显现，因此对银行下半年的经营"整体保持乐 观"。 营收、净利润齐增长 据记者统计，已披露中期快报的银行营业收入和归母净利润均实现双增长。城商行阵营中的江苏银行、 南京银行、杭州银行营收超百亿元，分别为351.07亿元、235.32亿元、172.95亿元，位居前三位。江苏 银行、南京银行的净利润超百亿元，分别为133.8亿元、101.5亿元，同比增长31.81亿元、16.96亿元。 总体来看，12家银行净利润同比增幅均超10%，其中张家港行、苏州银行、江阴银行等6家银行同比增 速 ...