1月27日金融一线消息，北京银行发布公告称，董事会二〇二六年第一次会议通过《关于提名关文杰先 生为董事候选人的议案》。同意提名关文杰为北京银行董事候选人，任期三年，其任职资格尚需监管机 构核准。同意将该议案提交股东会审议。 简历显示，关文杰，文学硕士，高级会计师。现任北京银行党委书记。曾任北京农村商业银行党委书 记、董事长；华夏银行党委副书记、董事、行长；华夏银行党委常委、董事、副行长、首席财务官；华 夏银行会计部总经理、计划财务部总经理、财务负责人、首席财务官、计划财务部总经理兼金融市场部 总经理；华夏银行青岛分行党委书记、行长；华夏银行青岛分行党委委员、副行长；华夏银行青岛分行 计划财务部总经理；华夏银行青岛支行计划财会处副处长（主持工作）、处长；华夏银行青岛支行会计 财务处负责人、副处长；此前，关文杰曾在中国建设银行从事相关工作。 责任编辑：王馨茹 1月27日金融一线消息，北京银行发布公告称，董事会二〇二六年第一次会议通过《关于提名关文杰先 生为董事候选人的议案》。同意提名关文杰为北京银行董事候选人，任期三年，其任职资格尚需监管机 构核准。同意将该议案提交股东会审议。 简历显示，关文杰，文学硕士，高级会 ...

Market Performance - The city commercial bank sector increased by 0.13% compared to the previous trading day, with Qingdao Bank leading the gains [1] - The Shanghai Composite Index closed at 4139.9, up 0.18%, while the Shenzhen Component Index closed at 14329.91, up 0.09% [1] Individual Stock Performance - Qingdao Bank (002948) closed at 4.61, up 2.22% with a trading volume of 820,200 shares and a transaction value of 376 million [1] - Ningbo Bank (002142) closed at 30.55, up 0.86% with a trading volume of 507,200 shares and a transaction value of 1545 million [1] - Hangzhou Bank (600926) closed at 15.69, up 0.71% with a trading volume of 837,900 shares and a transaction value of 1323 million [1] - Qilu Bank (601665) closed at 5.59, up 0.54% with a trading volume of 649,200 shares and a transaction value of 363 million [1] - Chongqing Bank (601963) closed at 10.36, up 0.39% with a trading volume of 91,200 shares and a transaction value of 94.52 million [1] - Shanghai Bank (601229) closed at 9.27, up 0.11% with a trading volume of 635,000 shares and a transaction value of 593 million [1] - Other banks such as Changsha Bank, Xiamen Bank, and Suzhou Bank showed minimal changes in their stock prices [1] Capital Flow - The city commercial bank sector saw a net inflow of 404 million from main funds, while retail investors experienced a net outflow of 4.15 billion [2] - The main funds' net inflow and outflow for individual banks varied, with Ningbo Bank and Jiangsu Bank showing significant inflows [3] - Retail investors showed notable outflows in several banks, indicating a shift in investment sentiment [3]

股票研究 /[Table_Date] 2026.01.23 票 研 究 主动基金环比持平，被动基金增持 [Table_Industry] 商业银行 | [姓名table_Authors] | 电话 | 邮箱 | 登记编号 | | --- | --- | --- | --- | | 马婷婷(分析师) | 021-23185608 | matingting@gtht.com | S0880525100001 | | 陈惠琴(分析师) | 021-38676666 | chenhuiqin@gtht.com | S0880525100003 | 本报告导读： 25Q4 主动基金对银行持仓比例环比持平于 1.9%，被动基金持仓比例环比+1.6pct 至 7.0%，其中宁波银行、兴业银行、中国银行、建设银行等获主动基金增配。 25Q4 基金对银行持仓点评 投资要点： [Table_Summary] 2025 年四季度基金重仓持股情况披露（主动基金包括普通股票型、 偏股混合型、灵活配置型，被动基金包括被动指数型、指数增强型）： [Table_Report] 相关报告 商业银行《国有大行投放力度较大，不良压力或 企稳》20 ...

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 127 regional banks in Jiangsu Province, highlighting their asset and liability structures, profitability, and asset quality [6][18] - Jiangsu's regional banks have shown a significant increase in asset growth, with major city commercial banks growing at 19.4%, surpassing the growth of listed city commercial banks at 14.2% [24][26] - The report indicates that the loan-to-asset ratio for city commercial banks is projected to reach 48.4% in 2024, reflecting a gradual increase in lending activities [30] - Jiangsu's regional banks exhibit better return on assets (ROA) compared to listed banks, with city commercial banks outperforming by 16 basis points and rural commercial banks by 9 basis points [6][42] - The asset quality of Jiangsu's regional banks is superior to that of listed banks, with lower non-performing loan ratios and higher provision coverage ratios [6][42] Summary by Sections 1. Economic Structure of Jiangsu Province - Jiangsu Province is focusing on new industrialization and strategic emerging industries, with significant contributions from cities like Nanjing and Suzhou [13][14] 2. Overview of 127 Regional Banks in Jiangsu - The report categorizes the banks into city commercial banks, rural commercial banks, and others, with a total of 127 banks established between 2006 and 2015 [18][20] 3. Asset/Liability Structure - The asset growth of major city commercial banks is accelerating, while rural commercial banks are experiencing a decline in growth rates [24][26] - The loan-to-asset ratio for city commercial banks is expected to increase to 48.4% by 2024, indicating a shift towards more lending [30] 4. Profitability - Jiangsu's regional banks have a higher ROA compared to listed banks, with city commercial banks showing a 16 basis point advantage [6][42] 5. Asset Quality/Capital Levels - Jiangsu's regional banks maintain a lower non-performing loan ratio compared to listed banks, with city commercial banks having a 30 basis point lower ratio [6][42]

Group 1 - Beijing Bank held its 2026 work conference on January 22, where Guo Wenjie, the newly appointed Party Secretary, made his first official appearance [1] - Guo Wenjie, born in October 1970, holds a master's degree and is a senior accountant with extensive experience in various financial roles [1] - His previous positions include leadership roles at China Construction Bank and Huaxia Bank, where he served in various capacities including CFO and Party Secretary [1]

原标题：锐意进取 真抓实干 北京银行召开2026年工作会议 来源：北京银行 要奋发有为抓好各项工作落实。一是要坚持党建引领，坚持把党的政治建设摆在首位，持续强化宣传思 想工作，扎实推进基层党组织建设，打造过硬人才队伍，持之以恒正风肃纪反腐，建设清朗美丽银行。 二是要坚持价值创造，优化资产负债体系。三是要坚持客群建设，做好深度经营、协同经营、价值经 营，厚植长远发展根基。四是要坚持特色发展，做深"五篇大文章"，做透"五大特色银行"，做专"六大 创新金融"，巩固市场竞争优势。五是要坚持业技融合，加快打造一流数智银行。六是要坚持因地制 宜，做实做细差异化区域政策。七是要坚持集团协同，强化投资机构管理。八是要坚持守牢底线，确保 稳健合规发展。九是要坚持改革攻坚，释放运营管理成果；十是要坚持精细高效，不断打造规范、精 细、赋能、系统、科学的管理体系，稳步提升管理质效。 会议强调 1月22日，北京银行召开2026年工作会议。党委书记关文杰讲话，党委副书记、行长戴炜作工作报告， 党委常委、党委委员出席会议。 会议指出 2025年，北京银行党委坚持以习近平新时代中国特色社会主义思想为指导，认真贯彻新时代党的建设总 要求，党建 ...

证券之星消息，1月22日城商行板块较上一交易日上涨0.8%，青岛银行领涨。当日上证指数报收于 4122.58，上涨0.14%。深证成指报收于14327.05，上涨0.5%。城商行板块个股涨跌见下表： | 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 600919 江苏银行 | | 2.02亿 | 13.49% | -1.14 Z | -7.60% | -8827.44万 | -5.89% | | 600926 杭州银行 | | 7317.50万 | 6.96% | -6483.11万 | -6.17% | -834.39万 | -0.79% | | 601169 | 北京银行 | 5714.07万 | 7.81% | -159.29万 | -0.22% | -5554.78万 | -7.59% | | 6000000 | 南京银行 | 3295.77万 | 4.44% | 2708.43万 | 3.65% | -6004 ...

Investment Rating - The report provides a "Buy" rating for all major banks analyzed, indicating a positive outlook for the banking sector [7]. Core Insights - The digital renminbi has entered its 2.0 era, transitioning from a central bank liability (M0) to a commercial bank liability (M1), allowing it to earn interest and be included in deposit insurance and reserve requirements [6][14]. - This transformation positions China as the first economy to offer interest on its central bank digital currency (CBDC), fundamentally altering its monetary attributes and creating a new financial paradigm in the digital economy [27]. - The digital renminbi's interest-bearing feature enhances user motivation to hold it, shifting its perception from a mere payment tool to a viable store of value, thus promoting its integration into everyday financial activities [27][28]. Summary by Sections 1. Digital Renminbi 2.0 Era - The digital renminbi (e-CNY) is now classified as a digital deposit currency, which can earn interest and is managed under a new regulatory framework [14]. - Major state-owned banks have begun offering interest on digital renminbi wallet balances, marking a significant shift in its utility and appeal [14][27]. 2. Development Progress and Application Status - The development of the digital renminbi began in 2014, with significant milestones including pilot tests in various cities and the establishment of a comprehensive operational framework by 2025 [32][33]. - As of November 2025, the digital renminbi has processed 34.8 billion transactions amounting to 16.7 trillion yuan, with extensive coverage across multiple provinces and cities [37]. 3. Global CBDC Development Trends - The report identifies three main trends in global CBDC development: active retail CBDC initiatives, innovation in payment systems, and cautious approaches in some countries like the U.S. [6]. - China's proactive stance in developing its CBDC positions it favorably in the global digital economy landscape, particularly in cross-border trade applications [30].

Market Overview - The city commercial bank sector experienced a decline of 0.55% on January 21, with Chongqing Bank leading the drop [1] - The Shanghai Composite Index closed at 4116.94, up 0.08%, while the Shenzhen Component Index closed at 14255.12, up 0.7% [1] Individual Stock Performance - Ningbo Bank closed at 28.88, with an increase of 1.16% and a trading volume of 432,300 shares, amounting to a transaction value of 1.246 billion [1] - Chongqing Bank closed at 10.25, down 1.82%, with a trading volume of 106,800 shares and a transaction value of 110 million [2] - Other notable performers include Xiamen Bank, which closed at 7.13, down 1.66%, and Chengdu Bank, which closed at 15.72, down 1.38% [2] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 508 million from institutional investors, while retail investors experienced a net outflow of 566 million [2] - The capital flow for individual stocks indicates that Hangzhou Bank had a net inflow of 158 million from institutional investors, while it faced a net outflow of 86.5 million from retail investors [3] - Shanghai Bank also saw a net inflow of 107 million from institutional investors, with a net outflow of 121 million from retail investors [3]

2000年，关文杰加入华夏银行，先后担任华夏银行青岛分行计划财会处副处长、行长，总行会计部总经 理、财务负责人、首席财务官等职务，2023年4月正式出任华夏银行行长。在华夏银行任职期间，他深 度参与财务管控、经营管理及数字化转型相关工作。 2024年1月，关文杰调任北京农商行党委书记，同年6月其董事长任职资格获监管部门核准，掌舵这家万 亿级农商行。任职期间，他将数字化转型作为战略重点，明确精准营销、智能风控、智慧经营和监管合 规四大转型方向，推动设立数据信息部，搭建数字化治理支撑体系，同时积极布局产业数字金融与乡村 振兴金融服务，为机构发展注入新动能。 即将卸任的霍学文则出生于1965年9月，履历横跨学界、政界与业界。在2022年2月调任北京银行党委书 记、次年3月当选董事长前，他曾担任北京市地方金融监督管理局局长、北京市发展改革委副主任等 职。 除了资产规模的跨越式增长，北京银行在盈利水平上也展现出极强的韧性。2022年至2024年，公司营业 收入分别为662.78亿元、667.11亿元、699.2亿元；同期归母净利润为247.6亿元、256.2亿元、258.31亿 元，已连续十五年保持营收净利双增长。 1 ...