直销银行，是指业务拓展不以柜台为基础，打破时间、地域、网点等限制，主要通过电子渠道提供 金融产品和服务的银行经营模式和客户开发模式。 北京银行直销银行是国内首家直销银行。2013年9月18日，北京银行在京举行直销银行开通仪式， 正式开通直销银行服务模式，此举标志着国内第一家直销银行诞生。 又一家银行直销银行将与手机银行合并。 5月26日，北京银行发布公告称，该行直销银行App相关服务将于2025年6月25日迁移至北京银 行"京彩生活"手机银行App，迁移后原直销银行App上办理的业务将通过北京银行"京彩生活"手机银行 App办理。 苏商银行特约研究员薛洪言对《证券日报》记者表示，随着手机银行功能的日益完善和用户体验的 持续优化，用户对于金融服务的需求越来越倾向于一站式解决。手机银行App作为商业银行服务客户的 主要平台，其功能丰富、操作便捷，能够满足用户的多样化需求，使得直销银行的独立存在价值逐渐降 低。此外，互联网流量红利的消退和获客成本的上升，也对直销银行的运营模式提出了挑战。 薛洪言表示，随着行业数字化转型的深化和用户需求的不断变化，直销银行需要寻找新的发展路径 以适应市场变化。一方面，直销银行可以通过 ...

Core Points - The Beijing Jingguan Taifu Fund Management Co., Ltd. has announced the effective contract of the Jingguan Taifu Zhongzai Jingjinji Bond Composite Index Securities Investment Fund [1] - The total net subscription amount during the fundraising period reached approximately 5.999 billion yuan, with interest accrued during the fundraising period amounting to approximately 907,694 yuan [1][4] - The total number of shares raised was approximately 6.000 billion [1][4] Company Information - Fund Name: Jingguan Taifu Zhongzai Jingjinji Bond Composite Index Securities Investment Fund [2] - Fund Abbreviation: Jingguan Taifu Zhongzai Jingjinji Composite [2] - Fund Manager: Beijing Jingguan Taifu Fund Management Co., Ltd. [2] - Fund Custodian: Bank of Beijing Co., Ltd. [2] - Effective Date of Fund Contract: June 17, 2025 [2] Fund Details - The fundraising period was from May 15, 2025, to June 13, 2025 [4] - The total number of valid subscription accounts was 392 [4] - The fund consists of two sub-funds: Jingguan Taifu Zhongzai Jingjinji Composite A and Jingguan Taifu Zhongzai Jingjinji Composite C [2][4]

中国经济网北京7月21日讯 国家金融监督管理总局网站今日公布的永川监管分局行政处罚信息公开 表（永川金管罚决字〔2025〕1号）显示，重庆永川北银村镇银行股份有限公司贷款资金被挪用。永川 金融监管分局对重庆永川北银村镇银行股份有限公司罚款30万元；对陶俊男（时任重庆永川北银村镇银 行股份有限公司副行长）警告。 北京银行(601169.SH)2024年年度报告显示，截至2024年12月31日，重庆永川北银村镇银行注册资 本8,000万元，北京银行持股比例为70%。 以下为原文： | 序 | 当事人名称 | 行政处罚决 | 主要违法违规 | 行政处罚内 | 作出决定 | | --- | --- | --- | --- | --- | --- | | 릉 | | 定书文号 | 行为 | 容 | 机关 | | 1 | 重庆永川北银村镇 银行股份有限公司 陶俊男（时任重庆 | 永川金管罚 洪字 | 贷款资金被挪 | 罚款30万元 | 永川金融 | | | 永川北銀村镇银行 | (2025) 1 | 用 | | 监管分局 | | 2 | | 름 | | 警告 | | | | 股份有限公司副行 | | | | | | | ...

Core Viewpoint - Liaoning Aoke Chemical Co., Ltd. announced its intention to provide a full joint liability credit guarantee for a loan application of 30 million yuan by its associated subsidiary, Shaanxi Lanshi Lithium Battery New Materials Co., Ltd. [1] Company Summary - The company is taking a proactive step to support its subsidiary by facilitating a credit guarantee, which indicates a commitment to the growth and financial stability of Shaanxi Lanshi Lithium Battery New Materials Co., Ltd. [1]

Group 1 - The Hunan Financial Regulatory Bureau has approved the opening of Beijing Bank's Changsha Yanghu Branch [1] - The branch will be located at No. 508, Xiangpu Road, Yuelu District, Changsha City, Hunan Province [1] - The approved business scope for the branch includes activities authorized by banking and insurance regulatory authorities [1]

| 601860 | 紫金银行 | -0.66 | 1.78 | -778.68 | | --- | --- | --- | --- | --- | | 600036 | 招商银行 | -0.29 | 0.21 | -666.17 | | 002807 | 江阴银行 | -0.83 | 0.70 | -583.01 | | 601825 | 沪农商行 | -0.53 | 0.16 | -572.73 | | 002948 | 青岛银行 | 0.99 | 1.24 | -410.70 | | 601963 | 重庆银行 | -0.48 | 0.50 | -306.36 | | 600000 | 浦发银行 | 0.29 | 0.28 | -259.69 | | 601187 | 厦门银行 | 0.00 | 1.63 | -242.53 | | 600928 | 西安银行 | 0.26 | 0.59 | -97.37 | | 600908 | 无锡银行 | -0.49 | 0.59 | -37.20 | | 603323 | 苏农银行 | -0.73 | 0.99 | 378.64 | | 002958 | 青农商 ...

Core Viewpoint - The first quarter report reveals a deep crisis in the scale-driven model during the interest rate down cycle, highlighting a divergence between asset growth and profitability for Beijing Bank [1][6]. Financial Performance - In Q1 2025, Beijing Bank's total assets exceeded 4.5 trillion yuan, growing by 5.9% year-on-year, with total deposits at 2.6 trillion yuan and loans at 2.3 trillion yuan, both maintaining approximately 6% growth [3]. - However, the bank's revenue fell to 17.13 billion yuan, a decrease of 3.2% year-on-year, and net profit attributable to shareholders dropped to 7.67 billion yuan, down 2.4%, marking the first quarterly revenue and profit decline in 12 years [5]. Net Interest Margin - The net interest margin (NIM) for Beijing Bank fell to 1.31% in Q1 2025, a decline of 16 basis points from the previous year, significantly underperforming the industry average of 1.43% [8]. - This low NIM indicates minimal profit margin, as the bank earns only 1.31 yuan for every 100 yuan in deposits after paying interest to depositors [9]. Asset and Liability Pressure - The bank's yield on interest-earning assets dropped by 18 basis points to 3.5% due to continuous LPR adjustments and lower loan rates, while the cost of interest-bearing liabilities decreased to 2.03% [11]. - Despite a 5.9% growth in loan volume, the bank's interest income fell from 12.77 billion yuan to 12.59 billion yuan, indicating that scale expansion did not translate into increased interest income [11][12]. Asset Quality - The non-performing loan (NPL) ratio for Beijing Bank stood at 1.3%, slightly down by 1 basis point from the beginning of the year, which is higher than the average NPL ratio of 1.15% among listed city commercial banks [15]. - The proportion of special mention loans increased from 1.14% in 2020 to 1.79% in 2024, indicating potential risks in asset quality [17]. Capital Adequacy - The bank's provision coverage ratio decreased from 208.8% at the end of 2024 to 198.1%, and the loan loss reserve ratio fell from 2.73% to 2.57%, suggesting a potential reduction in provisions to smooth earnings [18]. - Capital adequacy ratios also declined, with the core Tier 1 capital ratio dropping from 8.95% to 8.64%, indicating increased pressure on risk management [19][21]. Income Structure - Non-interest income decreased by 7.8% year-on-year in Q1 2025, highlighting competitive pressures in retail banking [22]. - Although fee and commission income rose by 24.4% to 1.44 billion yuan, it only accounted for 8.4% of total revenue, insufficient to offset the decline in interest income [22][23].

Group 1 - Extreme weather in Beijing has caused significant flooding and landslides, affecting over 300,000 people and resulting in major casualties and property damage [1] - Banks in Beijing have activated emergency response mechanisms to ensure timely financial support for disaster relief and recovery efforts [1][2] - China Development Bank Beijing Branch provided an emergency loan of 300 million yuan to support disaster relief efforts [1] Group 2 - Agricultural Bank of China Beijing Branch opened a green channel for emergency funds, completing the entire process in just two and a half hours to support rescue operations [1] - Traffic Bank Beijing Branch prioritized emergency financial services for flood relief and ensured smooth processing of emergency fund requests [2] - China Bank Beijing Branch provided 400 boxes of mineral water to support rescue personnel on the front lines [2] Group 3 - Banks are actively engaging with affected communities to assess financial needs and provide comprehensive support for post-disaster recovery [3] - Industrial and Commercial Bank of China launched targeted credit products to assist residents in repairing homes affected by the disaster [3] - Agricultural Bank of China is implementing various relief policies, including loan extensions and interest reductions, to support small businesses and farmers [3][4] Group 4 - Minsheng Bank Beijing Branch is increasing online loan applications to support disaster recovery and has partnered with local agricultural financing institutions for targeted financial solutions [5] - China Bank Beijing Branch provided non-repayment loans to a severely affected ecological agriculture company to assist with cash flow issues [5][6] - Citic Bank Beijing Branch is actively reaching out to local businesses to understand their financial needs and provide necessary support [6]

证券之星消息，8月1日城商行板块较上一交易日上涨1.08%，宁波银行领涨。当日上证指数报收于 3559.95，下跌0.37%。深证成指报收于10991.32，下跌0.17%。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) | | | --- | --- | --- | --- | --- | --- | --- | | 002142 | 宁波银行 | 28.48 | 2.19% | 40.15万 | | 11.38亿 | | 6000000 | 南京银行 | 11.68 | 1.74% | 53.44万 | | 6.19亿 | | 601838 | 成都银行 | 18.72 | 1.35% | 29.71万 | | 5.51亿 | | 600926 | 杭州银行 | 16.26 | 1.31% | 57.32万 | | 9.26亿 | | 002948 | 青岛银行 | 4.81 | 1.26% | 90.82万 | | 4.45 乙 | | 616009 | 江苏银行 | 11.44 | 1.24% | 129.60万 | | 14.71亿 | | ...

在金融科技飞速发展的当下，大模型技术正成为银行业变革与创新的核心驱动力。步入 2025年，众多银行积极投身大模型应用领域，不断拓展业务边界， 提升服务效能与风险管理水平。 工商银行在大模型应用领域持续领跑行业，成果丰硕 作为国内银行业首个发布企业级千亿参数金融大模型技术体系 "工银智涌" 的机构，该系统截至2025年二季度累计调用量已突破10亿次，深度赋能公司金 融、个人信贷、财富管理等20余类核心业务，覆盖智能客服、风险监控、交易结算等200余个实际应用场景。与 2024 年相比，其应用场景数量同比增长 67%，调用频次提升120%，规模化应用效应显著。 在技术输出与生态共建层面，工商银行率先将大模型核心能力封装为标准化服务，向30余家中小银行开放API接口，助力行业整体智能化升级，技术辐射范 围覆盖长三角、珠三角等主要经济圈。在金融市场交易领域，"工银智涌" 实现了从宏观趋势研判到微观订单执行的全流程重构,通过实时解析全球财经资讯 与市场数据，生成多维度交易策略建议，使外汇交易决策响应速度提升80%；结合智能算法自动完成债券、衍生品等交易的询价、撮合与清算，交易执行效 率提高3 倍，2025年上半年相关业 ...