上海银行总行网络金融部总经理助理姜玉坤分享"AI手机银行"项目 生成式AI的发展推动了金融行业业务效率和用户体验的双重升级。上海银行AI手机银行以"对话即服务"为核心，用户通过自然对话即可高效获取金融服务。 用户无需在复杂菜单中反复查找，对着手机屏幕问一句"我这个月的养老金到账了吗"，AI助手即可快速响应并完成业务办理，目前已覆盖转账、还款、理财 咨询、养老金管理等十余项高频服务。不仅是用户界面交互创新，AI手机银行可根据用户习惯推送对应服务，如自动切换沪语模式、专属理财建议、常去 网点预约提醒等。 相比传统手机银行，上海银行AI手机银行以"服务找人"替代"人找服务"，通过上下文理解实现多轮对话，显著降低操作门槛、并满足千人千面的个性化服 务；同时依托多项适老化策略，为老年群体及残障人士提供便捷服务，成为银行数智化转型的行业样本。 近日，上海银行公布AI战略最新进展，"AI手机银行"已推动上海银行老年客户满意度显著提升，业务办理转化率提升10%。8月7日，全球知名咨询机构IDC 发布中国金融行业技术应用场景创新案例。上海银行"AI手机银行"从130个案例中脱颖而出，获得"金融行业智能体"创新奖。据悉，上海银行 ...

瑞财经 王敏 8月5日，上海银行股份有限公司（以下简称"上海银行"）发布关于董事、董事长任职资格获监管机构核 准的公告。 近日，公司收到《国家金融监督管理总局上海监管局关于顾建忠上海银行股份有限公司董事、董事长任职资格的批 复》（沪金复〔2025〕487号），国家金融监督管理总局上海监管局已核准顾建忠公司董事、董事长的任职资格。 今年4月，上海市发布市管干部任前公示公告，现任上海农商银行行长顾建忠拟任市管企业党委书记，并提名任董事 长；5月，选举顾建忠为上海银行第六届董事会董事长，任期与第六届董事会任期一致。 7月25日，上海银行10名董监高增持了股票。这是顾建忠掌舵上海银行以后，首次持有公司股票。 根据公告，该10名董监高分别于2025年7月23日至7月25日期间以自有资金从二级市场买入公司A股股票，合计增持44 万股股票，成交价格区间为每股10.46元至10.7元。 亦即，该等增持耗费总金额在460.24万元-470.8万元区间。 | 姓名 | 职务 | 买入数量(股) | 变动后持股数(股) | | --- | --- | --- | --- | | 顾建忠 | 党委书记 | 100, 000 | 10 ...

Core Viewpoint - Shanghai Bank faces significant regulatory penalties and compliance challenges as it appoints a new chairman amidst ongoing scrutiny and performance issues [2][3][4] Regulatory Penalties - Shanghai Bank has been fined over 3,000 million yuan in 2025, including a major penalty of 2,921.75 million yuan from the People's Bank of China for eight violations [3][4] - The Zhejiang Financial Regulatory Bureau imposed an additional fine of 380 million yuan for various compliance failures at the Hangzhou branch [3][4] - The penalties highlight systemic issues in internal controls, anti-money laundering practices, and credit management [4] Financial Performance - Despite recent penalties, Shanghai Bank reported a 4.8% year-on-year increase in revenue for 2024, reaching 52.99 billion yuan, and a reduction in non-performing loan ratio to 1.18% [2][5] - The bank's total assets as of Q1 2025 were 3.27 trillion yuan, reflecting a 1.37% increase, but it has fallen behind competitors like Ningbo Bank [6][7] - Revenue and net profit rankings among city commercial banks have declined, with Shanghai Bank now ranking fifth in revenue and fourth in net profit as of Q1 2025 [7][8] Strategic Changes - The bank has shifted its focus from merely managing asset quality to actively addressing the generation of non-performing loans [6] - Shanghai Bank has implemented significant write-offs of non-performing loans, exceeding 10 billion yuan annually since 2022 [5][6] Leadership Transition - The appointment of Gu Jianzhong as the new chairman comes at a critical time, as he faces the challenge of restoring confidence amid compliance issues and performance declines [2][8] - Gu has emphasized the importance of talent and aims to position Shanghai Bank as a long-lasting institution [9]

8月5日，上海银行发布公告称，近日，该行收到《国家金融监督管理总局上海监管局关于顾建忠上海银行股份有限公司董事、董事长任职资 格的批复》，国家金融监督管理总局上海监管局已核准顾建忠先生该行董事、董事长的任职资格。 公开资料显示，顾建忠，男，1974年11月出生，研究生学历，经济学硕士学位，经济师。此前任上海农商行党委副书记、副董事长、执行董 事、行长，并兼任上海金融业联合会第四届理事会副理事长、上海市企业家协会第五届理事会副会长。曾任上海银行金融部副总经理兼营销 经理部、港台业务部总经理，上海银行公司金融部总经理、授信审批中心总经理、营业部总经理，上海市金融服务办公室综合协调处副处长 （挂职）、金融机构处处长（挂职），上海银行党委委员、纪委副书记、人力资源总监、人力资源部总经理，上海国际集团有限公司党委委 员、副总经理。 上海银行一季度业绩报告显示，截至今年3月末，该行资产规模达3.27万亿元，较上年末增长1.37%。该行实现营业收入135.97亿元，同比增长 3.85%；归属于母公司股东的净利润62.92亿元，同比增长2.30%。 ...

ESG解读｜上海银行近两年因合规问题多次收到监管罚单；MSCI ESG评级BBB级 原创 王晓潇 资料来源：嘉应制药官网 出品 | 搜狐财经 作者 | 王晓潇 编者按：ESG年报解读是搜狐财经及价值公司100联合发起的针对各公司ESG报告披露情况的解读专栏。 参考上交所《上市公司治理准则》、港交所《环境、社会及管治守则》等文件，迭代完善各行业ESG星级测评体系标准，并以最新标准为依托，以2024年公司ESG报告为主要数据来源，对公司2 本文为"上海银行"篇。 涉8项违法行为被罚款3000万 据央行官网8月1日处罚公示，上海银行因存在"违反账户管理规定；违反清算管理规定；违反反假货币业务管理规定；占压财政存款或资金；以及未按规定履行客户身份识别和报送大额交易及可 一同被追责的还有时任公司风险管理部、信用卡中心及总分行零售业务部等相关部门主管人员，15名责任8.5万元。对此，上海银行回应称已根据要求完成整改。 这并非上海银行本月收到的唯一处罚。8月4日，杭州分行又因"绩效考评不合规、业务操作不规范、员工行为管理不到位"等问题，被浙江金融监管局处以380万元罚款。 而细数近两年来的监管处罚，上海银行及其分支机构因信 ...

Group 1 - Jerry Holdings reported a net profit of 1.241 billion yuan for the first half of 2025, an increase of 14.04% year-on-year, with total revenue reaching 6.901 billion yuan, up 39.21% year-on-year [1] - Tian Tan Biological announced a net profit of 633 million yuan for the first half of 2025, a decrease of 12.88% year-on-year, with total revenue of 3.110 billion yuan, an increase of 9.47% year-on-year [2] - Shunbo Alloy achieved a net profit of 177 million yuan for the first half of 2025, a significant increase of 110.56% year-on-year, with total revenue of 7.126 billion yuan, up 11.75% year-on-year [7] Group 2 - Dashi Intelligent signed a contract for the Jingpai Building smart project with a total contract value of 34.06 million yuan, accounting for 1.07% of the company's audited revenue for 2024 [3] - Maglev Technology plans to invest 700 million yuan to establish a research and production base for maglev compressors, aiming to optimize product structure and enhance production capacity [4] - Koweil received government subsidies totaling 5.502 million yuan, which are expected to positively impact the company's profits for 2025 [5] Group 3 - Pengding Holdings reported a consolidated revenue of 3.002 billion yuan for July 2025, an increase of 12.28% compared to the same period last year [9] - Liuyou Group repurchased 544,500 shares at a price range of 18.29 to 18.36 yuan per share, totaling approximately 9.9828 million yuan [10] - Jin Xin Nong reported a sales revenue of 96.731 million yuan from pig sales in July 2025, with a total of 79,400 pigs sold [12] Group 4 - Jiangsu Huachen plans to use up to 70 million yuan of idle raised funds for cash management, investing in safe and liquid financial products [13] - Gongtong Pharmaceutical's subsidiary intends to purchase assets from an affiliate for 16.57 million yuan to build a wastewater treatment facility [15] - Tian Shi Li appointed Wang Yimin as the vice general manager, effective immediately [16] Group 5 - Zhejiang Yongqiang established a subsidiary in Indonesia with a registered capital of 230 billion Indonesian rupiah, focusing on overseas capacity investment and international trade [18] - Wangli Security received three invention patents, enhancing its product portfolio in security locks [20] - Shennong Group reported a sales revenue of 327 million yuan from pig sales in July 2025, with an average selling price of 14.73 yuan per kilogram [21] Group 6 - Dize Pharmaceutical's product DZD8586 received fast track designation from the FDA for treating relapsed refractory chronic lymphocytic leukemia [23] - Daqin Railway reported a cargo transportation volume of 31.79 million tons in July 2025, a year-on-year increase of 5.40% [24] - Xin Hongye's subsidiary won a bid for a nuclear-grade cable procurement project worth 81.58 million yuan [26] Group 7 - Hainan Hengbo established a wholly-owned subsidiary with a registered capital of 50 million yuan, focusing on technology services and new material technology research [26] - Changhong Huayi reported a net profit of 257 million yuan for the first half of 2025, an increase of 13.42% year-on-year, with total revenue of 6.628 billion yuan [27] - Haiguang Information achieved a net profit of 1.201 billion yuan for the first half of 2025, an increase of 40.78% year-on-year, with total revenue of 5.464 billion yuan [28] Group 8 - Dongmu Co. reported a net profit of 261 million yuan for the first half of 2025, an increase of 37.61% year-on-year, with total revenue of 2.930 billion yuan [29] - Hanma Technology announced the resignation of its executive vice president due to personal reasons [30] - Guangge Technology's shareholders plan to reduce their holdings by up to 4.04% of the company's shares [31] Group 9 - *ST Energy's subsidiary won a bid for an independent energy storage project with a total bid price of 320 million yuan for design and 301 million yuan for construction [32] - Chipeng Micro plans to reduce its holdings by up to 2% of the company's shares due to personal financial needs [33] - Ancar Detection announced a change in its controlling shareholder to Silicon Technology, with stock resuming trading [35] Group 10 - Dahao Technology's vice president is temporarily unable to perform duties due to health reasons [36] - Sanjiang Shopping's cooperation agreement with Hema will not be renewed after its expiration in March 2026 [37] - Huisheng Biological reported a net profit of 117 million yuan for the first half of 2025, a year-on-year increase of 325.88% [38] Group 11 - Dongshan Precision plans to increase capital in its subsidiary by 3.5 billion USD to support high-end PCB projects [39] - Yunnan Copper's subsidiary's bankruptcy liquidation application has been accepted by the court due to resource depletion [40] - Shanghai Bank's board member and chairman's qualifications have been approved by regulatory authorities [41] Group 12 - Junwei Electronics plans to acquire 100% of Flat Electronics Co., Ltd. for 2.6 billion yen to enter the film resistor market [42] - Daodaoquan's controlling shareholder plans to increase its stake in the company by 50 million to 100 million yuan [43] - Yinglian Co.'s subsidiary signed a strategic cooperation agreement with a well-known cylindrical battery company [45] Group 13 - Debang Technology's state integrated circuit fund plans to reduce its holdings by up to 3% of the company's shares [47] - Tianyi New Materials plans to sell part of its subsidiary's assets for 51.4 million yuan to improve cash flow [49] - Rongtai Co. intends to acquire 51% of Zhongshan Aoduo for 288 million yuan [51]

Market Overview - The Shanghai Composite Index rose by 0.45% on August 6, with 24 out of the 28 sectors experiencing gains. The top-performing sectors were defense and military industry, and machinery equipment, with increases of 3.07% and 1.98% respectively [1] - The banking sector saw a decline of 0.14% [1] Capital Flow Analysis - The main capital outflow from the two markets totaled 9.652 billion yuan, with seven sectors experiencing net inflows. The machinery equipment sector led with a net inflow of 4.367 billion yuan, followed closely by the defense and military industry with a net inflow of 4.283 billion yuan [1] - The pharmaceutical and biological industry had the largest net outflow, totaling 9.049 billion yuan, followed by the telecommunications sector with a net outflow of 2.949 billion yuan [1] Banking Sector Performance - In the banking sector, there were 42 stocks, with 11 rising and 26 falling. The sector experienced a net outflow of 1.067 billion yuan [2] - The top three banks with the highest net outflow were Minsheng Bank, China Construction Bank, and Industrial and Commercial Bank of China, with outflows of 263.15 million yuan, 213.00 million yuan, and 174.41 million yuan respectively [2][3] - The individual stock performance showed that Changshu Bank had the highest net inflow of 41.12 million yuan, followed by Hangzhou Bank and Chongqing Rural Commercial Bank with inflows of 32.14 million yuan and 22.64 million yuan respectively [2][3]

【编者按：ESG年报解读是搜狐财经及价值公司100联合发起的针对各公司ESG报告披露情况的解读专栏。参考上交所 《上市公司治理准则》、港交所《环境、社会及管治守则》等文件，迭代完善各行业ESG星级测评体系标准，并以最 新标准为依托，以2024年公司ESG报告为主要数据来源，对公司2024年环境资源、社会责任及公司管治进行评价】 ——本文为"上海银行" 出品 | 搜狐财经 面对监管检查中暴露出的一系列业务操作不规范、风控缺失以及内部监督薄弱等问题，上海银行曾在2024年ESG报告 中披露过一系列改进措施。不过，从近期监管罚单仍持续出现的情况来看，这些措施的实际成效尚未完全显现。 涉8项违法行为被罚款3000万 据央行官网8月1日处罚公示，上海银行因存在"违反账户管理规定；违反清算管理规定；违反反假货币业务管理规 定；占压财政存款或资金；以及未按规定履行客户身份识别和报送大额交易及可疑交易报告"等8项违法行为，被予以 警告，没收违法所得46.95万元，并处以2874.8万元罚款。 一同被追责的还有时任公司风险管理部、信用卡中心及总分行零售业务部等相关部门主管人员，15名责任8.5万元。对 此，上海银行回应称已根据 ...

监管 01 央行等七部门：支持银行通过重组、核销、转让等方式，依法合规加大企业不良贷款处置力度 8月5日讯，央行等七部门联合印发《关于金融支持新型工业化的指导意见》。 《意见》提到，推动金融机构落实国家产业政策要求，强化信贷风险管理和资金用途监控，防范套取和挪用风 险，助力防止"内卷式"竞争。支持银行通过重组、核销、转让等方式，依法合规加大企业不良贷款处置力度。 银行 02 上海银行董事长任职资格获核准 8月5日讯，上海银行（601229.SH）公告称，近日该行收到批复，国家金融监督管理总局上海监管局已核准顾建 忠该行董事、董事长的任职资格。 03 湖南湘江新区农村商业银行被罚117.04万元 8月5日讯，中国人民银行湖南省分行公布的行政处罚决定信息显示，湖南湘江新区农村商业银行因"1.提供虚假的 或隐瞒重要事实的统计资料；2.违规开立单位银行结算账户；3.未按规定备案银行结算账户；4.未按规定收缴假 币；5.未按规定将假币解缴中国人民银行分支机构；6.相关人员不具备反假专业能力；7.未按规定为公众兑换污损 人民币；8.占压财政存款或者资金；9.提供个人不良信息，未事先告知信息主体本人；10.未按规定开展客户 ...

Group 1 - Shanghai Bank announced the approval of Gu Jianzhong as the chairman and director by the Shanghai Regulatory Bureau of the National Financial Supervision Administration [1] - Gu Jianzhong, born in November 1974, holds a master's degree in economics from Fudan University and has held various senior positions within Shanghai Bank and other financial institutions [4] - Gu Jianzhong emphasized the importance of 2025 as a pivotal year for Shanghai Bank's strategic planning, focusing on value creation and high-quality service to the real economy while pursuing innovation and transformation [5] Group 2 - The bank aims to enhance its sustainable development capabilities by optimizing its development structure and prioritizing service to the real economy [5] - There will be a strong emphasis on talent development and team building to boost employee motivation and operational vitality [5] - Shanghai Bank plans to improve its management system, focusing on risk management and accelerating digital transformation [5]