（责任编辑：徐自立） 中国经济网北京8月13日讯 江苏银行(600919.SH)今日收报11.20元，跌幅2.35%。南京银行 (601009.SH)今日收报11.74元，跌幅2.33%。银行板块今日跌0.91%，江苏银行、南京银行为银行板块 跌幅最大的2家公司。 ...

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 ...

Core Viewpoint - The A-share listed banks are significant dividend payers, with a total cash dividend distribution exceeding 540 billion yuan for the year 2021, marking a historical high in the banking sector [1][3]. Dividend Distribution - As of June 9, 2022, nine banks have distributed a total of 15.5 billion yuan in cash dividends, with four more banks set to implement their dividend distributions next week [1][2]. - The highest cash dividend distribution among the nine banks is from Jiangsu Bank at 5.9 billion yuan, while Guiyang Bank has the lowest at 1.1 billion yuan [2]. - Three banks have a cash dividend payout ratio exceeding 30%, with Qingdao Bank leading at 31.86% [2]. Future Dividend Expectations - An additional 27 A-share listed banks are expected to distribute over 503.5 billion yuan in dividends, with the six major banks (ICBC, ABC, BOC, CCB, Bank of Communications, and Postal Savings Bank) accounting for 70% of the total expected dividends [3]. - ICBC is projected to lead with a proposed dividend of over 104.5 billion yuan [3]. Dividend Yield - As of June 9, 2022, 18 listed banks have a dividend yield exceeding 5%, with 26 banks yielding over 4% [5]. - The dividend yield of these banks is significantly higher than the average returns of bank wealth management products, which ranged from 2.29% to 3.97% in 2021 [6]. Strategic Considerations - High dividend payouts are seen as a strategy to attract more investors and enhance the banks' image, contributing to stock price stability and market value management [2].

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].