本报记者 张漫游 北京报道 Wind数据显示，截至5月14日收盘，A股银行板块总市值突破14万亿元，再创历史。同时多只银行股刷 新上市新高价。 分析银行板块上涨原因，业内人士认为，主要归因于三方面，一是无风险利率下行，股息率优势进一步 凸显；二是政策引导险资入市，中长期资金可期；三是公募基金高质量发展，强调业绩基准。下一步， 银行板块还会上涨多久？ 市场分析认为，此轮银行股价上涨与近期一系列政策有关。5月7日，各部委负责人宣布了一揽子稳定市 场预期的金融政策，其中全面降准0.5%、政策利率下调10bp等。鑫元基金方面分析认为，上述政策意 味着后续的无风险利率还将有进一步下行的空间，银行作为防御属性高股息资产的性价比进一步凸显。 同时，早在今年1月23日，六部门联合发布了中长期资金入市新规，明确规定公募基金未来三年每年A 股持仓增长10%，险资新增保费30%投入A股，实施三年以上长周期考核，强化价值投资导向，助力市 场稳定运行。5月，国家金融监督管理总局再次表示下一步将进一步扩大保险资金长期投资试点范围， 近期拟再批复600亿元，为市场注入更多增量资金。 据光大证券不完全统计，今年以来，险资已6次举牌银行股。截 ...

Group 1 - Beijing Bank has received a lawsuit notification from the Suzhou Intermediate People's Court regarding a securities false statement liability dispute involving Kangde Xin Composite Materials Group Co., Ltd. [2] - The lawsuit was originally filed in 2022 and has now been transferred to the Suzhou court without changes to the claims or requests [2][4] - The plaintiff, Zhejiang Zhongtai Chuangying Asset Management Co., Ltd., is seeking compensation for investment losses amounting to approximately RMB 5.15 billion, along with additional fees [3][5] Group 2 - The defendants in the case include multiple parties, with Beijing Bank being one of them, alongside Kangde Xin and other entities [4] - The bank has assessed that the lawsuit will not have a substantial impact on its current or future profits, as it is not the primary defendant [5] - The bank will continue to monitor the lawsuit's progress and fulfill its information disclosure obligations as required by law [5]

证券代码：601169 证券简称：北京银行 公告编号：2025-029 北京银行股份有限公司 关于收到应诉通知书的公告 原告：浙江中泰创赢资产管理有限公司 被告一：康得新复合材料集团股份有限公司 被告二：北京银行股份有限公司西单支行 被告八：宇龙汽车（集团）有限公司 被告九：联合信用评级有限公司 1 本公司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。 一、本次诉讼的基本情况 2025 年 5 月 13 日，北京银行股份有限公司（以下简称"本行"） 收到江苏省苏州市中级人民法院送达的（2025）苏 05 民初 450 号《应 诉通知书》，获悉本行涉及浙江中泰创赢资产管理有限公司以证券虚 假陈述责任纠纷对康得新复合材料集团股份有限公司提起的诉讼。本 案曾于 2022 年在江苏省南京市中级人民法院立案。本案现移送至苏 州中院受理，系存量案件，仅涉及管辖法院变更，诉讼请求等未发生 变化。截至本公告披露日，本次诉讼尚未开庭审理。 二、有关本次诉讼的基本情况 （一）诉讼各方当事人 被告十：恒泰长财证券有限责任公司 被告十一：瑞华会计师事 ...

Core Viewpoint - Beijing Bank has successfully completed the 1.0 phase of its digital transformation and is set to enter the comprehensive digital operation 2.0 phase in 2025, emphasizing the importance of digitalization in enhancing business operations and risk management [2][6]. Financial Performance - As of the end of Q1 2025, Beijing Bank's total assets reached 4.47 trillion yuan, a growth of 5.87% from the beginning of the year; total deposits amounted to 1.81 trillion yuan, up 6.1%; total loans reached 1.45 trillion yuan, increasing by 8.1%; and retail AUM (Assets Under Management) stood at 1.26 trillion yuan, reflecting a year-on-year growth of 13.8% [2][5]. Business Development - The bank has focused on differentiated development, particularly in serving specialized and innovative enterprises, aiming to be the leading bank for such businesses and providing comprehensive lifecycle services [3][4]. - The "Lighthouse e-loan 4.0" product was launched to support specialized enterprises, achieving over 100 billion yuan in loans and serving more than 20,000 clients by the end of 2024 [4]. Retail Business Growth - Retail business revenue reached 24.941 billion yuan in 2024, with a year-on-year increase of 2.26%, and net interest income grew by 4.66% to 23.961 billion yuan [4]. - By the end of 2024, retail AUM reached 1.22 trillion yuan, a significant increase of 178.778 billion yuan, with a growth rate of 17.25% [5]. Digital Transformation - The bank's digital transformation is characterized by three comprehensive upgrades: technology capabilities, business models, and organizational structures, enhancing decision-making, product competitiveness, and risk management [6]. - The bank aims to leverage AI and data-driven strategies to enhance customer segmentation, channel integration, and product adaptation [6][9]. AI Integration - Beijing Bank is committed to becoming an AI-driven commercial bank, implementing a "All in AI" strategy to reshape its operational framework [7][8]. - The bank has developed its own large-scale AI model, "Jingzhi," and an AI innovation platform, providing over 190,000 knowledge retrieval and Q&A services [8]. - AI applications have led to reduced operational costs and improved efficiency, with innovations in customer service and technology development [9].

Core Viewpoint - Beijing Bank's retail business director, Li Jianying, will become the chairman of Sino-Dutch Life Insurance Company, indicating a strategic leadership transition within the company [1][14]. Company Overview - Sino-Dutch Life Insurance is co-owned by Beijing Bank and the French insurance group, each holding a 50% stake [2]. - The current chairman, Wang Jian, also has a background in Beijing Bank, having previously served as its vice president [2]. Leadership Background - Li Jianying, born in 1971, has nearly 30 years of experience at Beijing Bank, holding various positions including retail banking director and employee supervisor [4][5]. - His current salary is reported to be 21.749 million yuan, the highest among the bank's executives [7][9]. Retail Business Performance - Under Li Jianying's leadership, Beijing Bank's retail business has shown significant growth, with personal loan growth rates of 15.91%, 8.69%, and 9.80% in 2021, 2022, and 2023 respectively, although it slowed to 3.23% in 2024 [10]. - The retail banking revenue has increased from 18.28 billion yuan in 2021 to 24.96 billion yuan in 2024, a cumulative growth of 36.55% [10]. - The total assets of Beijing Bank stand at 4.22 trillion yuan, with a growth rate of 12.61% in 2024, while competitors like Jiangsu Bank have surpassed it in key performance metrics [11]. Strategic Focus - The bank has prioritized retail business as a key transformation strategy, emphasizing digital transformation and organizational optimization [12]. - The bank's new strategic initiatives include "Big Retail, Big Operations, Big Technology" to further clarify the direction for retail business development [12].

Core Insights - Beijing Bank showcased its innovative financial technology solutions at the 27th China Beijing International Technology Industry Expo, emphasizing its commitment to AI-driven banking services [1][3] - The bank aims to become an "AI-driven commercial bank," leveraging artificial intelligence to enhance its digital transformation and service offerings [3][5] Group 1: Technological Innovations - The bank presented various advanced technologies, including the "Jingzhi" large model and interactive digital employee "Jing Xiaobao," highlighting the integration of AI in financial services [1][3] - Beijing Bank has developed a unique technology system combining large models and general machine learning models, processing over 5,000 requests daily [3][5] Group 2: Support for Specialized Enterprises - Beijing Bank is committed to supporting specialized and innovative enterprises, having provided credit funding exceeding 1.25 trillion yuan to over 53,000 tech SMEs by March 2025 [5][6] - The bank's initiatives include the launch of innovative credit products like "Leading AI Loan" and "Sci-tech E-Loan" to address financing challenges for enterprises [5][6] Group 3: Collaborative Ecosystem - The bank has established strategic partnerships with various organizations, including government agencies and educational institutions, to foster a collaborative technology finance ecosystem [6][8] - Beijing Bank is focused on creating a win-win situation through deep integration of finance, technology, and industry, supporting the innovation and development of tech enterprises [6][8]

Core Viewpoint - The recent announcement of monetary policy adjustments by Chinese financial authorities is expected to lead to a new round of deposit rate cuts by banks, particularly affecting small and medium-sized banks [1][2]. Group 1: Monetary Policy Changes - The People's Bank of China announced a reduction in the reserve requirement ratio by 0.5 percentage points and a decrease in the 7-day reverse repurchase rate by 0.1 percentage points to 1.4% [1]. - The anticipated market-driven transmission of these rate changes is expected to lower the Loan Prime Rate (LPR) by 0.1 percentage points [1]. - The adjustments are part of a broader strategy to stabilize the market and manage expectations [1]. Group 2: Impact on Small and Medium-Sized Banks - Several small banks have already begun to lower their deposit rates, driven by the need to reduce funding costs amid narrowing interest margins [2][3]. - Historically, small banks offered higher deposit rates to attract customers, but competitive pressures have led to a decline in loan rates, resulting in asset shortages [3]. - Current deposit rates for major state-owned banks remain stable, with rates for various terms set at 1.35% to 1.90% [3]. Group 3: Long-Term Deposit Rate Adjustments - Long-term deposit rates have become the primary focus for reductions among small banks, with significant cuts observed [6][7]. - For instance, Guangdong Qingxin Rural Commercial Bank has set its long-term deposit rates as low as 1.50% for five years [4]. - The strategy for small banks includes both lowering long-term deposit rates and enhancing the collection of low-cost deposits through targeted marketing efforts [7][8]. Group 4: Wealth Management Trends - With declining deposit rates, residents are increasingly opting for early mortgage repayments and low-risk investment products such as insurance and bank wealth management products [9]. - The average yield of bank wealth management products has decreased from 2.94% to 2.65% year-on-year, prompting banks to diversify their investment strategies [10].

从ChatGPT到DeepSeek，近年来，AI大模型的相继问世，正在影响着商业银行的数字化发展策略。 《金融时报》记者梳理上市银行年报时发现，2024年，在国有大行金融科技发展"放慢脚步"的同时，中 小银行却未曾停下数字化转型的步伐。 "长期以来，因为资金和专业技术人才受限等，中小商业银行在金融科技领域相对处于劣势地位。"在中 国邮政储蓄银行研究员娄飞鹏看来，将DeepSeek等开源大模型低成本接入内部自研模型平台，利用大 模型和AI提升科技能力，为中小银行缩小与大型商业银行的技术差距提供了可能。 值得关注的是，在数字化的驱动之下，中小银行正在积极推动"AI+金融"场景落地和生态建设，各种智 能化应用逐步替代了人工重复劳动、打破了服务半径，一系列生产力的变革正在重构中小银行的效率与 价值。 中小银行加速"招兵买马" 日前，由中小银行互联网金融(深圳)联盟等机构联合发布的《中小银行数字金融发展研究报告(2024)》 显示，与2023年相比，中小银行2024年金融科技投入规模稳步增长，越来越多的中小银行将核心技术研 发及新技术金融应用纳入规划，并进行相关产品研发。 据霍学文透露，目前，该行已完成DeepSeek ...

登录新浪财经APP 搜索【信披】查看更多考评等级 基金管理人：北京京管泰富基金管理有限责任公司 基金托管人：北京银行股份有限公司 重要提示 本基金A类基金份额和C类基金份额分别设置代码。投资者在认购时须注意选择相应的基金份额类别， 正确填写拟认购基金份额的代码。本基金不同基金份额类别之间不得互相转换。 8、在基金募集期内，投资者通过北京京管泰富基金管理有限责任公司直销柜台每次认购本基金A类或C 类基金份额的金额均不得低于1.00元（含认购费），通过其他代销机构认购本基金A类或C类基金份额 的每次最低认购金额以各代销机构的规定为准。基金管理人可根据有关法律法规的要求，增减或变更基 金销售机构，请投资者关注基金管理人网站公示的本基金销售机构名录。 1、京管泰富中债京津冀债券综合指数证券投资基金（以下简称"本基金"）经2024年11月25日中国证券 监督管理委员会（以下简称"中国证监会"）证监许可〔2024〕1652号文准予募集注册。 2、本基金为以契约型开放式运作的债券型证券投资基金。 3、本基金的基金管理人及登记机构为北京京管泰富基金管理有限责任公司（以下简称"本公司"），基 金托管人为北京银行股份有限公司。 ...