以下文章来源于信风TradeWind ，作者郑嘉意 2024年至今狂飙上涨近6成的金价，正在给银行业原本边缘化的贵金属业务带来悄然影响。 如今的银行，已凭借价格平实、产品丰富、信用背书等优势成为新晋"淘金圣地"，蛇年新春后各大行频频脱销的金条、金饰已是最好例证。 信风了解到，银行黄金业务可细分为对客、自营两大类： 对客业务的代表，是当下最火热的被熟知的实物黄金与积存金。 此类业务中，银行面向零售、企业客户或机构投资者开展销售、回购等业务，旨在赚取手续费及佣金； 自营业务主要由银行直接参与黄金市场（LBMA、上海金交所等），有期货、期权等衍生产品，旨在通过市场波动获利、对冲风险。 信风TradeWind . 关注资本市场的趋势与发展 作者郑嘉意 编辑松壑 | 分类 | 业务类型 | 具体内容 | | --- | --- | --- | | 对客业务 | 实物资金销售 | 向客户出售金条、金币、金章和金饰等实物黄金产品 | | | 黄金积存 | 客户在银行开户,采取定期积存或主动积存的方式购入黄金 | | | 黄金租赁 | 银行将持有的库存黄金借贷给产金、用金企业等机构客户 | | 自营业务 | 黄金交易 | 运 ...

Group 1 - The 15th Beijing International Film Festival's financing forum aims to reignite investor enthusiasm and explore new value in film financing [1] - The festival committee emphasizes the importance of building a bridge between film enterprises and financial institutions to foster a mutually beneficial innovative ecosystem [1] - Beijing Bank plans to deepen its cultural integration, enhance digital empowerment, and support high-quality films through comprehensive financial services [1] Group 2 - The Chinese film industry faces pressures from rising audience expectations, changing viewing habits, and market capacity contraction [1] - The president of the Chinese Film Critics Association highlights the need for diverse film types and encourages filmmakers to attract patient capital for more efficient financing [1] - iQIYI's senior vice president stresses the importance of long-term investment in films, asserting that excellent creation is the fundamental principle for establishing a sustainable mechanism [2]

Core Insights - The 15th Beijing International Film Festival emphasizes resource sharing and mutual benefits, aiming to connect film enterprises with financial institutions to foster an innovative ecosystem [1][5] - A strategic cooperation agreement was signed between the Beijing Municipal Film Bureau and Beijing Bank to provide financial support for quality film projects and expand collaboration in various areas [1][5] Group 1: Industry Trends - The film industry is facing challenges, with market expectations for capacity stimulation and a slight recovery in the financial market, while the pressure on the film sector is increasing [5] - There is a call for filmmakers to leverage their value and attract patient capital, adapting to market and audience changes for more efficient financing [3] Group 2: Financial Initiatives - Beijing Bank launched the "New Film Productivity Financial Service Plan" to support film projects, with initial partners including Bad Monkey Culture, Baiana Qiancheng, and Wuyuan Culture [1][5] - The film financing landscape is seeing cautious investment trends, with a slight increase in private equity financing and a focus on early-stage investments [5] Group 3: Expert Opinions - Industry leaders stress the importance of long-term thinking and learning from successful experiences in other sectors to enhance financing strategies [3] - The need for a comprehensive approach to financing that considers local, psychological, and industry-specific attributes is highlighted [3]

北京银行前身是由原北京 90 家城市信用社于 1996 年初组建而成的北京城市合作银行股份有限公 司， 1998 年更 名为 北京市商业银行股份有限公司 ， 2004 年正式更名为北京银行股份有限公司。 2005 年，北京银行引入外资战略投资者 荷兰国际集团 （ ING BANK N.V ）成为第一大股东， 2007 年在上交所 上市，股票代码为 601169 。 北京银行经营网络已经覆盖除北京外的，天津、石家庄、济南、青岛、上海、南京、苏州、杭州、宁波、深圳、 南昌、长沙、西安、乌鲁木齐等全国十余个中心城市，在香港特别行政区、荷兰设有代表处。但作为城市商业银行， 北京银行业务仍主要集中在北京及周边地区。 2024 年，京津冀及环渤海地区的营业收入、利润总额分别占全部收入和利润总额的 77.05% 和 85.66% 。 | 地区 | 营业收入 | 利润总额 | 资产总额 | | --- | --- | --- | --- | | 京津冀及环渤海地区 | 53,874 | 24,365 | 3,078,348 | | 长三角地区 | 6,936 | 1,675 | 636,718 | | 其他地区 | 9,10 ...

Group 1 - The banking sector has seen 9 stocks reach historical highs this month, including major state-owned banks like ICBC, ABC, and CCB, with significant year-to-date gains [2][4] - The banking sector index rose by 1.16% on April 24, outperforming the market, with notable increases in stock prices for major banks [2][3] - The overall performance of the banking sector improved significantly in Q4 of the previous year, with 33 out of 36 banks reporting year-on-year profit growth [4][5] Group 2 - The total cash dividends announced by banks for 2024 have reached a record high of 6,161.26 billion yuan, surpassing the previous year's total [6][7] - Major banks like ICBC, CCB, and ABC have declared dividends exceeding 500 billion yuan, contributing to the sector's reputation for high dividends [6][7] - Ningbo Bank reported the highest year-on-year increase in dividends at 50%, indicating a strong commitment to shareholder returns [7]

随着2024年报的持续披露，17家A股上市城商行中，已有14家成绩单"浮出水面"。 郑州银行营收同比降5.78%， 从资产质量情况看，截至去年末，10家银行不良贷款率有所下降，其他则与上年持平。其 中，郑州银行不良贷款率最高，为1.79%。此外，在拨备覆盖率上，北京银行和郑州银行位 居后两位，分别为208.75%、182.99%，虽已达标但仍存提升空间。 业绩快报整理 2024年，江苏银行营业收入继续位列上述14家银行榜首，实现营业收入808.15亿元；北京银 行、宁波银行排名次之，营收均超过600亿元；上海银行、南京银行位居第四位、第五位， 均超过500亿元。 同时，上述银行中仅厦门银行去年营收未及100亿元，为57.61亿元。不过，该行在2023年增 速为负，去年实现了正向增长。 而在14家上市城商行中，仅1家营业收入为负增长，即郑州银行，降幅为5.78%，同时，该 行营收座次亦降至第十一位。 年报显示，郑州银行去年实现利息净收入103.65亿元，较上年同比下降13.75亿元，降幅 11.71%，占营业收入80.49%。其中，业务规模调整导致利息净收入增加10.43亿元，收益率 或成本率变动导致利息净收入 ...

北京银行的2024年年度报告显示，该行实现营业收入699.17亿元，同比增长4.81%；实现归属于母公司 股东的净利润258.31亿元，同比增长0.81%。规模指标上，截至报告期末，资产总额达4.22万亿元，较 年初增长12.61%；贷款和垫款本金总额达2.21万亿元，较年初增长9.65%。霍学文称，这是一份量质齐 升的良好答卷。 霍学文今年将届60岁。2022年初，他从北京市地方金融监督管理局局长位置上"空降"北京银行担任"一 把手"，掌舵这家城商行至今满三年。 抛开单个年度的报表，拉长时间轴，一张跨越3年的答卷，可能会更加全面客观还原对这位"监管老 兵"的评价。 霍学文（图片来自网络） 1 营收三年微增约5.49%，利息净收入占比偏高 "2025年，北京银行正式进入全面数字化经营阶段。"日前在北京银行2024年年报业绩发布会上，董事长 霍学文为这家头部城商行定了战略基调。按照其说法，"经过过去三年数字化转型，北京银行进入到了 数字化转型的2.0阶段"。 （图片来自网络） 拆解多个关键数据，可圈可点。2021年北京银行实现营业收入662.75亿元，2024年是699.17亿元，三年 增长约5.49% 。值得 ...

转自：北京日报客户端 建设智能算力中心，以普惠算力服务破解需求瓶颈；搭建数据流通基础设施，让数据如电商网购般"供 得出""流得动""用得好"；金融领域的信贷审批、客服等落地效果明显，更多应用场景正加速拓展…… 记者从北京市国资委获悉，按照《市管企业"人工智能+"专项行动方案(2024-2025)》施工图，29家市管 企业正全力推进38项重点任务，以不同姿态积极拥抱人工智能发展新机遇。 城市级智算中心落子 破解需求瓶颈 巨型的银色管道既有散热实用功能，又具炫酷的视觉美感；外立面点阵激光屏散发的色彩五彩斑斓，更 成城市的一道夜景——酒仙桥中路18号，昔日的老厂房再度变身，已成北京数字经济算力中心。4月， 这座定位为"AI工厂"的算力枢纽正式投产。 酒仙桥是新中国"电子工业的摇篮"。一座城市级智算中心的落子，翻开国企在此深耕智能化的新篇。北 电数智是北京电控在数字经济、人工智能产业领域布局的高科技企业，成立至今也不过21个月。 北京是全国人工智能产业高地，已聚集超2400家人工智能企业，市场算力需求持续释放。北电数智的一 大业务布局就是建设智算能力基础设施，全力破解算力需求的瓶颈。 "我们主要向政府机关、国有企业和 ...

Core Viewpoint - Beijing Bank is actively exploring differentiated development strategies to navigate the challenges of financial supply-side structural reforms, aiming for high-quality growth and innovation in its services [1][3]. Group 1: Technological Financial Development - Beijing Bank established its first technology-oriented SME credit branch in 2009 and has since pioneered various financial products and services tailored for technology enterprises, achieving significant growth in its client base and loan balances [5][6]. - By the end of 2024, the bank served over 20,000 specialized and innovative clients, with a loan balance of 106.8 billion yuan, marking a 3.2-fold increase compared to two years prior [5][6]. Group 2: Green Finance Initiatives - In response to national policies on carbon neutrality, Beijing Bank launched a dedicated green finance team and introduced innovative products such as "Waste-Free Loans" and "Water-Saving Loans," achieving a green finance loan balance of 210.35 billion yuan, a 43.11% increase [9][10]. - The bank aims to integrate ESG factors into its business development, establishing a comprehensive ESG governance structure and setting 20 key initiatives to enhance its ESG capabilities [10]. Group 3: Cultural Finance Development - Beijing Bank has made significant strides in cultural finance, with a loan balance of 116.64 billion yuan by the end of 2024, reflecting a 32.39% growth [11]. - The bank has implemented various initiatives to support cultural consumption and has partnered with major film production companies to provide financial services for popular films [11]. Group 4: Digital Transformation - Over the past three years, Beijing Bank has focused on digital transformation, achieving comprehensive upgrades in technology, business models, and organizational structures [13]. - The bank has developed an AI-driven operational model, launching innovative tools that enhance efficiency and reduce operational costs, such as the AI collaboration service that improves staff productivity by over 10% [14]. Group 5: Future Outlook - Looking ahead, Beijing Bank plans to leverage its regional advantages to continue high-quality development, focusing on becoming a "children-friendly bank" and an "AI-driven commercial bank" while enhancing its digital capabilities [15].

2024年，对于银行业来说，无疑是充满荆棘与挑战的一年。面对利率持续下行、息差不断收窄的压力， 各家银行的盈利空间正在不断被压缩。 展望2025年，百年变局加速演进，AI大模型重塑千行百业，银行经营环境机遇与挑战并存。在即将迎 来"三十而立"的重要关口，北京银行该如何以形式更多、差异性更大的发展模式，在市场中脱颖而出？ 该行的"答题思路"正在逐渐清晰。 然而，2024年，北京银行却以穿越周期的经营智慧、差异化发展的创新实践，诠释了一家城商行的"破 浪前行"。 近日，北京银行发布了2024年业绩报告。截至2024年末，北京银行资产总额达4.22万亿元，较年初增长 12.61%，规模站上新台阶；实现营业收入699.17亿元，同比增长4.81%；实现归母净利润258.31亿元， 同比增长0.81%，展现出良好的发展韧性。 质效均衡发展 在经营业绩稳健向好的同时，资本市场也传来捷报：北京银行全年股价涨幅达到43.69%，创近十年最 大涨幅；品牌价值达到1036.62亿元，实现市值与品牌价值双提升。 在"逆周期"中实现韧性生长 在低利率、低息差的双重挑战下，韧性，成为了有竞争力的商业银行的重要特征，它体现在一家银行身 ...