又一家银行宣布不再设立监事会！ 10月23日，常熟银行发布公告称，已于近日收到《苏州金融监管分局关于常熟农村商业银行修改公司章程的批复》。自《公司章程》核准之日起，常 熟银行监事会依法撤销，现任监事不再担任监事及监事会相关职务，该行《监事会议事规则》等监事会相关制度同时废止。 （截图来源：常熟银行） 常熟银行官网"组织构架"显示，该行原监事会由监督委员会、提名与履职考评委员会和监事会办公室组成。公告内容显示，后续将由董事会审计与消 费者权益保护委员会依法承接监事会职权。 《国际金融报》记者注意到，今年以来，商业银行监事会正密集退出历史舞台。 9月25日，工商银行、建设银行、农业银行、中国银行和交通银行5家国有大行纷纷发文宣告获批取消监事会。据不完全统计，年内还有招商银行、光 大银行、沪农商行、华夏银行和长沙银行等约20家机构的监事会退场。事实上，自2022年以来，多家国有大行和股份行监事长一职便"名存实亡"，职 位陆续空缺。 据了解，2023年新修订的《公司法》第121条明确允许股份有限公司通过董事会下设审计委员会行使监事会职权，《商业银行法》规定商业银行组织形 式适用公司法，则为银行裁撤监事会提供了直接法律 ...

Market Overview - The rural commercial bank sector experienced a decline of 0.82% on October 24, with Jiangyin Bank leading the drop [1] - The Shanghai Composite Index closed at 3950.31, up 0.71%, while the Shenzhen Component Index closed at 13289.18, up 2.02% [1] Individual Stock Performance - The closing prices and changes for key rural commercial banks are as follows: - Hu Nong Commercial Bank: 8.86, +0.68% - Ruifeng Bank: 5.54, -0.89% - Qingnong Commercial Bank: 3.27, -1.21% - Yunnan Commercial Bank: 6.93, -1.28% - Su Nong Bank: 5.26, -1.31% - Zhangjiagang Bank: 4.53, -1.52% - Changshu Bank: 7.09, -1.53% - Wuxi Bank: 6.16, -1.60% - Zijin Bank: 2.93, -1.68% - Jiangyin Bank: 5.03, -3.82% [1] Capital Flow Analysis - The rural commercial bank sector saw a net outflow of 144 million yuan from main funds, while retail funds experienced a net inflow of 63.71 million yuan [1] - The detailed capital flow for individual banks indicates: - Hu Nong Commercial Bank: Main funds net inflow of 6.22 million yuan, retail net outflow of 16.25 million yuan - Wuxi Bank: Main funds net outflow of 29.30 million yuan, retail net outflow of 0.99 million yuan - Jiangyin Bank: Main funds net outflow of 56.10 million yuan, retail net inflow of 36.93 million yuan [2]

Core Viewpoint - The Jiangsu Province Urban Football League ("Su Super") has become a phenomenon, surpassing professional leagues in public interest and showcasing the potential of local sports, culture, tourism, consumption, and public services [1] Group 1: Su Super's Impact - The success of "Su Super" has inspired other provincial leagues such as "Gan Super," "Xiang Super," and "Chuan Super," igniting enthusiasm for local industry competitions [2] - From mid-August to mid-October, Jiangsu's rural commercial banks held their own "Su Super" - the Jiangsu Rural Commercial Bank System Employee Football League, featuring over 100 matches among 61 banks [2][5] - Jiangnan Rural Commercial Bank, the largest in terms of asset size in Jiangsu, won the championship on October 19, defeating Changshu Rural Commercial Bank in a penalty shootout [2][6] Group 2: Financial Institutions and Community Engagement - The Jiangsu Rural Commercial Bank system consists of 61 banks, with six successfully listed on A-share or SME boards, making it the region with the most listed rural commercial banks in China [3] - The league emphasized inclusive finance, with each bank representing local support for small and micro enterprises and agricultural development [6] - The event attracted 600,000 online viewers and facilitated 103 exchange activities among participating teams [6] Group 3: Cultural and Regional Significance - The "Su Super" phenomenon is closely tied to local cultural narratives, such as rivalries between cities like Nanjing and Suzhou, and Xuzhou and Suqian [6] - The matches featured friendly competition, with banks engaging in pre-match correspondence to maintain camaraderie [6][7] - Both Jiangnan and Changshu Rural Commercial Banks expressed their commitment to inclusive finance and rural revitalization in their communications [8] Group 4: Player Profiles and Business Development - Players from the rural commercial banks gained significant attention, with two players, Xiao Xuhui and Wang Haining, being highlighted as "Su Super Stars" [9] - Wang Haining, a client manager at Jiangnan Rural Commercial Bank, successfully expanded his client base through connections made during the league, achieving a credit balance of 18.92 million yuan [10] - The small micro-loan division of Jiangnan Rural Commercial Bank, which Wang is part of, reached a loan balance of 2 billion yuan by July 2024 [10]

江苏常熟农村商业银行股份有限公司 章 程 （2025 年修订） （由苏州金复〔2025〕194 号核准并生效） | | . | | --- | --- | | | 1 | | | | 第一章 总 则 第一条 为维护江苏常熟农村商业银行股份有限公司（以下简称"本行"）、 股东、职工和债权人的合法权益，规范本行的组织和行为，根据《中国共产党章 程》《中华人民共和国公司法》（以下简称《公司法》）、《中华人民共和国银 行业监督管理法》（以下简称《银行业监督管理法》）、《中华人民共和国商业 银行法》（以下简称《商业银行法》）、《中华人民共和国证券法》（以下简称 《证券法》）和其他有关规定，制定本章程。 本章程是本行的行为准则，对本行及本行股东、董事、高级管理人员具有约 束力。 第二条 本行系依据《公司法》《商业银行法》和其他有关规定成立的股份 有限公司。 本行经中国人民银行（银复[2001]197 号）文批准，由辖内农民、农村工商 户、企业法人和其他经济组织共同以发起方式设立，并取得金融许可证；本行目 前在公司登记机关注册登记，取得统一社会信用代码：91320000251448088B 的 《营业执照》，具有独立法人资 ...

证券代码：601128 证券简称：常熟银行 公告编号：2025-048 江苏常熟农村商业银行股份有限公司 关于修订《公司章程》获核准及不再设立监事会的公告 特此公告。 江苏常熟农村商业银行股份有限公司董事会 2025年10月23日 江苏常熟农村商业银行股份有限公司（以下简称"本行"）董事会及全体董 事保证本公告内容不存在任何虚假记载、误导性陈述或者重大遗漏，并对其内容 的真实性、准确性和完整性承担个别及连带责任。 本行于 2025 年 8 月 11 日召开的 2025 年第三次临时股东大会审议通过了关 于《修订<公司章程>》及《不再设立监事会》的议案。近日，本行收到《苏州金 融监管分局关于常熟农村商业银行修改公司章程的批复》（苏州金复〔2025〕194 号），核准本行修订后的《公司章程》，修订后的《公司章程》全文详见上海证券 交易所网站(www.sse.com.cn)。本行《股东会议事规则（2025 年修订）》《董事 会议事规则（2025 年修订）》等同步生效。本行随后将履行工商备案等相关手续。 自《公司章程》核准之日起，本行监事会依法撤销，由董事会审计与消费者 权益保护委员会依法承接监事会职权，现任监事不再 ...

Market Overview - The rural commercial bank sector experienced a decline of 0.27% on October 23, with Yunnan Rural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 3922.41, up 0.22%, while the Shenzhen Component Index closed at 13025.45, also up 0.22% [1] Individual Stock Performance - Key stocks in the rural commercial bank sector showed varied performance, with Zijin Bank closing at 2.98, up 0.68%, and Yunnan Rural Commercial Bank closing at 7.02, down 0.99% [1] - The trading volume and turnover for several banks were significant, with Jiangyin Bank recording a turnover of 5.45 billion yuan [1] Capital Flow Analysis - The rural commercial bank sector saw a net outflow of 210 million yuan from institutional investors, while retail investors contributed a net inflow of 277 million yuan [1] - Detailed capital flow for individual banks indicated that Changshu Bank had a net inflow of 18.64 million yuan from institutional investors, while Yunnan Rural Commercial Bank had a net outflow of 17.66 million yuan [2]

Core Viewpoint - The rural commercial bank sector experienced a 1.07% increase on October 22, with Jiangyin Bank leading the gains, while the overall stock indices showed slight declines [1] Group 1: Market Performance - Jiangyin Bank closed at 5.23, up 3.56%, with a trading volume of 1.13 million shares and a transaction value of 583 million [1] - Su Nong Bank and Zhangjiagang Bank also saw increases of 2.30% and 2.01%, respectively, with closing prices of 5.33 and 4.57 [1] - The Shanghai Composite Index closed at 3913.76, down 0.07%, and the Shenzhen Component Index closed at 12996.61, down 0.62% [1] Group 2: Capital Flow - The rural commercial bank sector had a net outflow of 160 million from institutional investors, while retail investors contributed a net inflow of 140 million [1] - Jiangyin Bank experienced a significant net outflow of 104 million from institutional investors, despite a retail net inflow of 78.44 million [2] - The overall capital flow showed that retail investors were more active in the sector, with notable inflows into several banks despite the institutional outflows [2]

Core Insights - A-shares of bank stocks have seen significant gains, with Jiangyin Bank rising over 3%, and Agricultural Bank achieving a historical high with a 14-day consecutive increase, up nearly 58% year-to-date [1][2] Summary by Category Stock Performance - Jiangyin Bank: Increased by 3.37%, market cap at 12.8 billion, year-to-date gain of 25.69% [2] - CITIC Bank: Increased by 2.45%, market cap at 441.8 billion, year-to-date gain of 15.95% [2] - Agricultural Bank: Increased by 2.41%, market cap at 282.44 billion, year-to-date gain of 57.91% [2] - Zhangjiagang Bank: Increased by 2.23%, market cap at 11.2 billion, year-to-date gain of 12.29% [2] - Other notable banks include: - Zhejiang Commercial Bank: Increased by 1.97%, market cap at 85.1 billion, year-to-date gain of 11.37% [2] - Su Nong Bank: Increased by 1.92%, market cap at 10.7 billion, year-to-date gain of 15.74% [2] Market Trends - The overall trend indicates a strong bullish sentiment in the banking sector, with MACD golden cross signals suggesting continued upward momentum for these stocks [1]

Core Points - The agricultural commercial bank sector experienced a decline of 0.3% on October 21, with Yuhuang Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 3916.33, up 1.36%, while the Shenzhen Component Index closed at 13077.32, up 2.06% [1] Summary by Category Stock Performance - Jiangyin Bank (002807) closed at 5.05, up 2.43% with a trading volume of 720,000 shares and a transaction value of 361 million yuan [1] - Zijin Bank (601860) closed at 2.94, up 1.03% with a trading volume of 501,600 shares and a transaction value of 147 million yuan [1] - Zhangjiagang Bank (002839) closed at 4.48, up 0.67% with a trading volume of 378,900 shares and a transaction value of 169 million yuan [1] - Qingnong Commercial Bank (002958) closed at 3.27, up 0.31% with a trading volume of 443,800 shares and a transaction value of 145 million yuan [1] - Wuxi Bank (600908) closed at 6.15, down 0.16% with a trading volume of 124,100 shares and a transaction value of 76.67 million yuan [1] - Ruifeng Bank (601528) closed at 5.57, down 0.36% with a trading volume of 173,700 shares and a transaction value of 96.85 million yuan [1] - Sunong Bank (603323) closed at 5.21, down 0.38% with a trading volume of 293,800 shares and a transaction value of 153 million yuan [1] - Changshu Bank (601128) closed at 7.08, down 0.42% with a trading volume of 395,200 shares and a transaction value of 280 million yuan [1] - Hunan Agricultural Commercial Bank (601825) closed at 8.75, down 0.46% with a trading volume of 188,300 shares and a transaction value of 165 million yuan [1] - Yuhuang Commercial Bank (601077) closed at 7.07, down 1.12% with a trading volume of 622,500 shares and a transaction value of 441 million yuan [1] Fund Flow - The agricultural commercial bank sector saw a net outflow of 111 million yuan from main funds, while retail investors contributed a net inflow of 211 million yuan [2]

Core Insights - Multiple wealth management companies have recently signed distribution agreements with small and medium-sized banks, indicating a growing trend in the number of banks participating in wealth management distribution [1][2] - Small and medium-sized banks are increasingly looking to enhance their intermediary income through distribution partnerships due to pressure on net interest margins and limited space for self-conducted wealth management [1][2] - The collaboration between wealth management companies and small banks is expected to deepen in the future, driven by mutual benefits [2][3] Group 1: Distribution Partnerships - Several wealth management companies, including Su Yin Wealth Management and Ning Yin Wealth Management, have announced new distribution agreements with small banks such as Weihai Bank and Jiangnan Rural Commercial Bank [1] - Since the beginning of October, nearly ten wealth management companies have added new distribution partners, including Wenzhou Bank and High Postal Rural Commercial Bank [1][2] - A wealth management company under a joint-stock bank has expanded its distribution channels to include nearly 30 new small banks this year, focusing on rural commercial banks [2] Group 2: Strategic Shift of Small Banks - Regional small banks are facing pressure from narrowing net interest margins and limited self-investment income, prompting them to explore wealth management distribution as a strategic pivot [2][3] - Regulatory constraints on self-conducted wealth management have further limited small banks' ability to grow their own wealth management businesses [2] - The shift towards distribution partnerships allows small banks to adopt a "light capital, light asset" operational model, which is seen as a necessary strategic path [2][3] Group 3: Performance Metrics - In the first half of 2025, several small banks reported significant growth in intermediary income, with Changshu Bank's net income from fees and commissions reaching 142 million, a year-on-year increase of over 600% [3] - Changshu Bank's wealth management distribution scale reached 7.277 billion by mid-2025, up from 4.954 billion at the end of 2024 [3] Group 4: Market Expansion Strategies - Wealth management companies are actively expanding their distribution networks beyond their parent banks to include small and medium-sized banks, aiming to tap into broader market opportunities [5] - The strategy includes covering state-owned and joint-stock banks, as well as deepening partnerships with city and rural commercial banks to reach lower-tier markets [5] - The diversification of distribution channels is expected to enhance the long-term development of wealth management companies, reducing the impact of market fluctuations on their investment behavior [5][6]