这份信任在三个月后延续升级。2023 年 5 月，北京银行通 过私募股权理财计划完成 1.6 亿元机构理财 销售，间接参与企 业 B 轮融资，构建起 "债权 + 股权 " 的联动模式。 同年三季度，针对企业设备改造 需求，又新增 1 亿元三年期技术改造贷 款，让先进芯片测试仪器顺利落户实验室。 2024 年上半年，人工智能赛道算力需求呈爆发式增长，摩尔线程突然面临原材料采购的现金流压力。 北京银行的服务团队第 一时间响应，将部分固定资产贷款额度灵活转为流动资金贷款， 让授信"活起来 "。 "额度提升，账期通过北京银行的金融特色产品拉长，现金流一下宽裕了。 " 企业财务负责人的感慨， 道出了这场精准助力的价值。在算力竞争的关键窗口期，金融服务的快速调整，帮助企业牢牢抓住了市 场机遇，也让 "专精特新第一行 "的承诺落到实处。 三载同行，北京银行以"全生命周期 "的金融服务，深度融入摩尔线程的成长轨迹。从首贷破冰到股债 联动，从政策衔接到生态共建，双方逐步构建起战略同频、 品牌共宣、风险共担的命运共同体。 下一步，北京银行将持续秉持"服务实体经济 "初心，以打 造"专精特新第一行 "为己任，为摩尔线程提 供上市、 ...

在政策导向与市场红利的双重驱动下，作为"五篇大文章"之首的科技金融，已成为银行业的战略聚焦方 向。在初步构建起科技金融业务"敢贷""愿贷""能贷"的机制基础后，如何切实实现"会贷"能力的提升， 仍是全行业持续探索的课题。 近日，在"第十九届深圳国际金融博览会暨2025中国金融机构年会"分论坛"中国银行业年会"上，来自中 国银行、兴业银行、浦发银行、平安银行和北京银行的嘉宾，展开了以"'种树'的密码：书写科技金融 大文章"的圆桌讨论。 上述嘉宾认为，科技金融的"种树"密码，在于专营化的组织架构及作业模式、风控逻辑和信审模型的升 级打磨、多元化产品供给和服务体系外延，以及多类型非银机构生态圈的搭建。 设立专营组织架构 上述5家银行均将科技金融置于战略优先地位。嘉宾在分享业务布局方法论时一致提到，组建专营队 伍、优化组织设置，是开展科技金融业务的首要保障。 "做科技金融必须有专业性队伍，因为科技金融企业和传统企业不一样，需要专业化积累，所以我们通 过队伍建设，保障业务人员更加准确了解科技型企业的诉求。"中国银行总行公司金融与投资银行部副 总经理杨雷对设置科技金融专营组织架构的归因，颇具代表性。 "科技金融面对的企业 ...

2025年11月26日，陕西金融监管局发布批复称，《北京银行（601169）关于马鑫同志任职资格的请示》 （京银人发〔2025〕887号）收悉。经审核，现批复如下： 一、核准马鑫北京银行股份有限公司延安分行行长助理的任职资格。 二、北京银行应要求上述核准任职资格人员严格遵守金融监管总局有关监管规定，自北京银行政许可决 定作出之日起3个月内到任，并按要求及时报告到任情况。未在上述规定期限内到任的，本批复文件失 效，由决定机关办理行政许可注销手续。 三、北京银行应督促上述核准任职资格人员持续学习和掌握经济金融相关法律法规，牢固树立风险合规 意识，熟悉任职岗位职责，忠实勤勉履职。 ...

Core Insights - Beijing Bank successfully launched the first phase of the 2025 25 Hengyi CP006 (Sci-tech Bond) credit risk mitigation certificate, with a scale of 50 million yuan and a term of one year [1][4]. Group 1 - The underlying bond is the sixth phase of the technology innovation bond issued by Zhejiang Hengyi Group Co., Ltd. for the year 2025 [1][4].

Core Points - Beijing Bank announced the dividend distribution plan for its preferred shares (Beijing Bank Preferred 1) which was approved at the board meeting on October 29, 2025 [1][3] - The dividend calculation start date is December 11, 2024, with a fixed dividend rate of 4.67%, resulting in a cash dividend of RMB 4.67 per share (including tax) [1][7] - The total dividend payout amounts to RMB 228.83 million (including tax) [1][7] Summary by Sections Dividend Distribution Plan - The preferred share code is 360018, and the preferred share name is Beijing Bank Preferred 1 [9] - The dividend rate for the second adjustment period is set at 4.67%, determined by the benchmark interest rate on the re-pricing date of December 8, 2020, plus a fixed premium established at the initial pricing [7] - Key dates include: - Last trading day: December 9, 2025 - Share registration date: December 10, 2025 - Ex-dividend date: December 10, 2025 - Dividend payment date: December 11, 2025 [9]

证券代码：601169 证券简称：北京银行 公告编号：2025-057 优先股代码：360018 优先股简称：北银优 1 北京银行股份有限公司优先股股息发放实施公告 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法律责任。 重要内容提示： 北京银行股份有限公司（以下简称"本行"）优先股（优先股代 码：360018；优先股简称：北银优 1）的股息发放方案已经本行 2025 年 10 月 29 日召开的董事会 2025 年第十次会议审议通过，现将具体 实施事项公告如下： 一、优先股股息发放方案 1.股息率：北银优 1 第二个股息率调整期内的股息率通过重定价 日 2020 年 12 月 8 日的基准利率加首次定价时所确定的固定溢价确定， 股息率已调整为 4.67%。 优先股代码：360018 优先股简称：北银优 1 每股优先股派发现金股息人民币 4.67 元（含税） 最后交易日：2025 年 12 月 9 日（周二） 股权登记日：2025 年 12 月 10 日（周三） 除息日：2025 年 12 月 10 日（周三） 股息发放日：2025 ...

Core Insights - The article focuses on the performance of minimum holding period RMB public offering products, ranking them based on annualized returns for holding periods of 7, 14, 30, and 60 days [1][4][12] Group 1: 7-Day Holding Period Products - The top-performing product is from Minsheng Bank with an annualized return of 4.17% [3] - Other notable products include: - Huishang Bank with 3.58% [3] - Bank of China with 2.96% [3] - Minsheng Bank's Fuzhu Pure Bond with 2.54% [3] - Bohai Bank with 2.39% [3] Group 2: 14-Day Holding Period Products - Minsheng Bank's product "Jingxiang Fixed Income Incremental Dual-Week" leads with a return of 34.68% [5] - Other significant products include: - Minsheng Bank's Fuzhu Pure Bond with 5.66% [5] - WeBank's "Anying" Stable Income with 4.47% [5] - SPDB's "Wealth Management Series" with 2.33% [5] Group 3: 30-Day Holding Period Products - Minsheng Bank's "Guizhu Fixed Income Incremental Monthly" tops the list with a return of 21.23% [9] - Other key products include: - Minsheng Bank's Fuzhu Fixed Income with 13.53% [9] - Bank of China with 7.64% [9] - Huishang Bank's "Happiness 99" with 6.07% [9] Group 4: 60-Day Holding Period Products - The leading product is from Minsheng Bank with a return of 15.12% [13] - Other notable products include: - CITIC Bank's Fuzhu Pure Bond with 8.94% [14] - Bank of China with 4.57% [14] - Huishang Bank's product with 3.46% [14]

Group 1 - The city commercial bank sector increased by 0.43% on December 2, with Jiangsu Bank leading the gains [1] - The Shanghai Composite Index closed at 3897.71, down 0.42%, while the Shenzhen Component Index closed at 13056.7, down 0.68% [1] - Jiangsu Bank's closing price was 10.95, reflecting a 1.67% increase, with a trading volume of 1.7435 million shares and a transaction value of 1.897 billion [1] Group 2 - The city commercial bank sector experienced a net outflow of 316 million from institutional funds, while retail investors saw a net inflow of 421 million [2][3] - The trading data for various banks showed mixed performance, with Ningbo Bank declining by 0.69% and Guizhou Bank remaining unchanged [2] - Shanghai Bank had a net outflow of 46.6477 million from institutional funds, while retail investors contributed a net inflow of 2.33839 million [3]

九项违规覆盖多关键领域 北京银行及11名责任人被追责 此外，北京银行运营管理部的赵某因违反反假货币业务管理规定，被警告并罚款19.5万元；电子银行部 的王某因收单业务违规及未履行客户身份识别义务，被警告并罚款10万元。其余8名责任人分别因信用 信息管理、大额交易报告报送等相关违规行为，被处以1万元至8万元不等的罚款。 据央行公示，北京银行的违法违规行为涵盖资金管理、反洗钱、征信管理等关键领域，具体违规类型包 括：违反账户管理规定、收单与代收业务违规、反假货币业务不合规、占压财政存款、信用信息管理不 当，以及反洗钱三大核心义务缺失，即未按规定履行客户身份识别义务；未按规定报送大额交易报告或 者可疑交易报告；与身份不明的客户进行交易。 此次处罚严格遵循监管部门"双罚制"执法原则，在对机构处以重罚的同时，明确追究相关人员责任。追 责名单中，北京银行零售银行部的侯某因涉及收单业务管理违规、代收业务管理违规、未按规定履行客 户身份识别义务及与身份不明客户进行交易多项违规，被给予警告并罚款21万元，成为本次个人处罚金 额最高者。 11月28日，中国人民银行公布的行政处罚决定书显示，北京银行因存在九类违法违规行为，被处以警 ...

Core Viewpoint - The article emphasizes that technology finance has become a strategic focus for the banking industry, driven by policy guidance and market dividends, and highlights the ongoing exploration of effective lending mechanisms in this sector [1]. Group 1: Organizational Structure - All five banks prioritize technology finance in their strategic frameworks, with a consensus on the necessity of specialized teams and organizational setups to support this business [3][4]. - China Bank has established a multi-tiered organizational structure for technology finance, enhancing its ability to understand the needs of tech enterprises [3]. - SPD Bank aims to strengthen its position as the preferred banking partner for tech companies by creating a specialized organizational framework that includes a dedicated technology finance team [3]. Group 2: Product Offerings - Ping An Bank has set up technology finance centers at both the headquarters and key branches, focusing on a wide range of clients and offering products that span the entire business cycle, including investment banking and transaction banking services [4]. - Beijing Bank has developed a specialized technology finance system and launched the "Leading e-loan" product, which has seen significant uptake, with cumulative loans exceeding 140 billion yuan [5]. Group 3: Risk Management - The article discusses the challenges banks face in assessing the value and risks of tech companies, particularly smaller ones, due to their unique characteristics such as light assets and long R&D cycles [6]. - Ping An Bank has formed a research team to evaluate industry segments and has developed an evaluation system focusing on intellectual property and financial health [6][7]. - Beijing Bank has implemented a dual approach to risk assessment, combining offline credit committees with an online approval system to better understand tech enterprises [7]. Group 4: Market Dynamics - The article notes a mismatch between supply and demand in the technology finance sector, with a significant increase in loan coverage for tech SMEs but unmet needs from early-stage companies [8]. - SPD Bank has shifted its focus from traditional lending to technology investment banking, aiming for high-quality development in technology finance [8]. Group 5: Strategic Recommendations - Recommendations include focusing on the quality of development rather than just quantity, emphasizing product differentiation and innovation, and utilizing syndicate loans to spread risk [9][10]. - The article suggests that banks should collaborate to support promising tech enterprises, balancing equity and debt financing to mitigate risks associated with market fluctuations [9][10].