Core Viewpoint - The article emphasizes the performance of regional banks in China, particularly focusing on city commercial banks and rural commercial banks, highlighting the economic vitality of regions like Jiangsu and Zhejiang compared to others like Guangdong and Shanghai [3][4][10]. Group 1: Regional Bank Performance - Jiangsu and Zhejiang regions are identified as having strong city commercial banks, with institutions like Jiangsu Bank and Ningbo Bank showing robust performance, indicating high economic vitality [8][9]. - In contrast, banks headquartered in Shanghai, such as Shanghai Bank and Hu'nong Bank, have underperformed, attributed to the city's "deposit surplus" characteristic and intense competition [17][21]. - Guangdong, despite being the largest economy, lacks representation in the top city commercial banks, with local banks like Guangzhou Bank showing poor performance and significant declines in revenue and profit [23][25][28]. Group 2: Economic Indicators - Jiangsu and Zhejiang's GDP growth rates are 5.8% and 5.5% respectively, outperforming Guangdong's 3.5%, showcasing their economic competitiveness [9][28]. - The article suggests that examining local bank performance can provide a clearer picture of regional economic health than GDP figures alone [6][10]. Group 3: Specific Bank Analysis - Jiangsu Bank reported a 16.12% growth in asset scale, with a net profit of 31.84 billion yuan, while Ningbo Bank achieved a 15.25% growth with a net profit of 27.12 billion yuan [11]. - Chengdu Bank has shown significant growth, with a 14.56% increase in asset scale and a 10.17% rise in net profit, attributed to its focus on local infrastructure projects [38][40]. - In contrast, Guangzhou Bank's asset scale grew only 2.77%, with a net profit decline of 66%, reflecting its struggles in retail and corporate sectors [25][26]. Group 4: Risk and Asset Quality - The article notes that banks in Jiangsu and Zhejiang maintain non-performing loan ratios below 1%, indicating strong asset quality, while banks in regions like Northeast China face higher non-performing rates [5][14][58]. - The article highlights that many banks in Jiangsu and Zhejiang have high provision coverage ratios, often exceeding 300%, which helps mitigate risks associated with potential loan defaults [14][15]. Group 5: Governance and Management Issues - Governance issues are prevalent in some central region banks, with several high-level executives facing investigations, impacting their performance [70][71]. - In contrast, banks in Jiangsu and Zhejiang have fewer governance issues, contributing to their stronger performance [31][72].

Core Viewpoint - Shanghai Bank announced the suspension of the conversion of its convertible bonds "Shangyin Convertible Bonds" during the implementation of the 2024 annual equity distribution, which will take place from June 5, 2025, until the first trading day after the equity distribution registration date [1][2]. Group 1: Equity Distribution Details - The 2024 annual profit distribution plan was approved at the shareholders' meeting on May 16, 2025, with a cash dividend of 2.20 yuan (including tax) per 10 shares for all registered common shareholders [4]. - The equity distribution will be based on the total share capital registered on the equity distribution registration date [4]. Group 2: Suspension and Resumption of Conversion - The "Shangyin Convertible Bonds" will stop conversion from June 5, 2025, until the first trading day after the equity distribution registration date [2][5]. - Holders of "Shangyin Convertible Bonds" wishing to benefit from the equity distribution must convert their bonds by June 4, 2025 [5]. Group 3: Future Announcements - The company will publish the implementation announcement of the equity distribution and the adjustment of the conversion price for "Shangyin Convertible Bonds" on June 6, 2025 [5].

Core Insights - Commercial banks are actively recruiting summer interns for 2025, targeting graduates from domestic and international universities for the 2026 class [1][2] - There is a strong demand for technology-related talent, particularly in financial technology and information technology sectors [2][5] - Banks are also focusing on recruiting candidates from engineering and science backgrounds, indicating a trend towards interdisciplinary talent [5][6] Recruitment Trends - Multiple banks, including Industrial Bank and Minsheng Bank, have initiated summer internship recruitment as early as March [1] - The focus on financial technology interns is evident, with positions available in areas such as big data analysis and financial technology project development [2][3] - Shanghai Bank has categorized its internship positions into business and technology sectors, highlighting the importance of data analysis and application development roles [2] Specialized Programs - Hangzhou Bank has launched its "Star Picking Plan" for summer interns, emphasizing roles in artificial intelligence and data research [3][4] - Shanghai Rural Commercial Bank has created a specialized recruitment channel for candidates with backgrounds in engineering, agriculture, and medicine [5] - The trend of seeking interdisciplinary talent is reinforced by banks like Industrial Bank, which prioritize candidates with diverse educational backgrounds [6] Green Finance Focus - Banks are increasingly prioritizing the recruitment of green finance talent, aligning with their strategic goals in sustainable finance [7][8] - Interns in green finance roles will engage in industry analysis and financial service solution development [7] Candidate Requirements - Many banks have set specific requirements for candidates, including good health, strong psychological resilience, and relevant academic backgrounds [8][9] - Language proficiency is also emphasized, with some banks requiring candidates to demonstrate their foreign language skills [8][9] - Interns can expect to gain valuable experience and potential job offers based on their performance during the internship [9]

| 证券代码：601229 | 证券简称：上海银行 | 公告编号：临 2025-029 | | --- | --- | --- | | 优先股代码：360029 | | 优先股简称：上银优 1 | | 可转债代码：113042 | | 可转债简称：上银转债 | 上海银行股份有限公司关于实施 2024 年度权益分派时 "上银转债"停止转股的提示性公告 上海银行股份有限公司（以下简称"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： 证券停复牌情况：适用 因实施 2024 年度权益分派,公司的相关证券停复牌情况如下：自本次普通股 权益分派实施公告前一交易日（2025 年 6 月 5 日）至权益分派股权登记日期间， "上银转债"将停止转股，本次权益分派股权登记日后的第一个交易日，"上银转 债"恢复转股。 | 证券代码 | 证券简称 | 停复牌类型 | 停牌起始日 | 停牌 | 停牌 | 复牌日 | | --- | --- | --- | --- | --- | --- | --- | | | | | | 期间 | ...

Group 1 - The core viewpoint of the news is that the launch of the "Technology Board" in the bond market has led to a significant increase in the issuance of technology innovation bonds (科创债), with banks becoming the main issuers, reflecting a trend of financial resources being directed towards technological innovation [1][4]. - As of May 25, 14 banks have collectively issued 170 billion yuan in technology innovation bonds, accounting for approximately 60% of the total issuance, indicating strong participation from the banking sector [1][2]. - The issuance of technology innovation bonds is supported by policies from the People's Bank of China and the China Securities Regulatory Commission, which aim to enhance the product system and support mechanisms for these bonds [4][5]. Group 2 - Major banks such as China Bank and Shanghai Bank have successfully issued technology innovation bonds with significant demand, showcasing the market's enthusiasm for these financial instruments [2][6]. - The collaboration between banks and securities firms is highlighted, as they work together to support technological innovation, forming a core force in the financial ecosystem [2][4]. - The expected growth in the technology innovation bond market is driven by ongoing policy support and market momentum, with projections indicating a potential explosive increase in issuance this year [6].

Core Viewpoint - The competition in consumer loans among banks has shifted from a focus on low interest rates to enhancing loan limits and extending loan terms, as banks seek to adapt to changing market conditions and regulatory guidance [1][11][15] Consumer Loan Growth - In 2024, the total consumer loan balance of 40 A-share listed banks increased by over 950 billion yuan, with some banks experiencing growth rates exceeding 90% compared to the previous year [1][3] - The consumer loan balance for these banks reached approximately 6.06 trillion yuan by the end of 2024, marking an increase of 957.85 billion yuan from the previous year [3][4] Interest Rate Trends - Consumer loan interest rates dropped to the "2" range, with some banks offering rates as low as 1.88% for select customers, but this trend has reversed with many banks raising rates to no less than 3% by April 2024 [1][9][10] - The shift back to "3" range interest rates is aimed at preventing excessive competition and potential financial risks associated with low-rate loans [10][11] Bank Strategies - Banks are now focusing on enhancing consumer loan products by increasing limits and extending terms, responding to government initiatives to boost consumption [11][12] - Various banks have begun to raise loan limits and extend repayment periods, with some institutions increasing the maximum loan amount from 300,000 yuan to 500,000 yuan and extending terms from five to seven years [12][16] Market Segmentation - The consumer loan market is showing significant differentiation, with some banks rapidly expanding their loan portfolios through low-rate strategies, while others are contracting due to concerns over rising non-performing loan rates [5][10] - Banks are increasingly targeting specific consumer scenarios, such as home renovations and electric vehicle purchases, to drive loan growth [15][16] Risk Management - The rise in consumer loan balances has led to an increase in non-performing loans, prompting banks to enhance their risk management practices and focus on quality customer segments [9][10][14] - Regulatory bodies are emphasizing the need for banks to monitor the flow of consumer loan funds to mitigate systemic risks [14]

《金融时报》记者注意到，中小银行为吸引更多储蓄资源，在存款利率设置上通常要略高于全国性银行。在本次调整后，部分城商行定期存款挂牌利率与 绝大多数股份行保持一致，整体的利率优势已不再明显。 紧跟全国性银行的步伐，各家城商行正在陆续下调存款挂牌利率。 记者从北京银行（601169）官网了解到，自5月27日起，该行已执行新的存款挂牌利率。调整后，该行一年期、二年期、三年期、五年期整存整取定期存 款挂牌利率分别调整为1.15%、1.20%、1.30%、1.35%，与光大银行（601818）、中信银行（601998）等多家股份制银行存款挂牌利率保持一致。 | 人民币储蓄存款利率表 (2025年5月27日起执行) | | | --- | --- | | 各项存款 | 储蓄存款利率(%) | | 一、活期存款 | 0.05 | | 二、定期存款 | | | (一) 整存整取 | | | 三个月 | 0. 70 | | 半年 | 0. 95 | | 一年 | 1. 15 | | 二年 | 1. 20 | | 三年 | 1. 30 | | 五年 | 1. 35 | 自5月26日起，江苏银行（600919）也调整了人民币存款挂牌 ...

2025年春季招聘还未完全结束，针对2026届毕业生，各家银行已纷纷启动暑期实习活动。 券商中国记者梳理，5月以来，兴业银行、浙商银行、杭州银行、上海农商行等多家银行启动了2025年暑假"招募 令"。从放出的实习项目来看，科技类岗位最火热，此外也有银行为理工科开辟了专属通道，还有银行表态，优秀 者可直接留用。 金融科技实习岗最热 近期，多家银行发布暑期实习招聘公告，其中金融科技、信息科技类岗位最为突出。 如兴业银行发布了2025年"雏雁计划"暑期实习生招聘公告，该行的总行部门、境内分行以及子公司部门均将"金融 科技实习生"岗位放在招聘首位，工作内容主要参与协助金融科技课题研究、大数据分析与应用、金融科技项目开 发建设等。 股份行中，金融科技类岗也是今年浙商银行暑期实习岗位中最多的一类，占据总岗位类别的四分之一，具体包括 信息安全岗、数据开发岗、算法开发岗、Java开发岗、系统运维岗等。 杭州银行也于近期发布了2026届校招提前批暨"摘星计划"暑期实习生招聘信息，该行总行实习生要求为经济类(如 金融、经济)或理工类(如数学、统计、计算机)相关专业；此外，总行信息技术部实习生要求为计算机相关专业。 针对2026届 ...

Investment Rating - The report indicates a positive outlook for the banking sector, suggesting that certain stocks may have alpha potential due to policy catalysts and a cyclical recovery [4]. Core Insights - Multiple banks have lowered their deposit rates, with the one-year and five-year Loan Prime Rate (LPR) reduced by 10 basis points on May 20, 2025. This trend reflects a broader market-driven decline in deposit costs [1][2]. - The average deposit cost rate for China Merchants Bank decreased significantly by 25 basis points to 1.29% in Q1 2025, indicating a trend of improving deposit costs across the sector [1]. - The report highlights that banks like Chongqing Bank, Minsheng Bank, and CITIC Bank have substantial room for further deposit cost reductions, suggesting a favorable environment for banks to optimize their funding costs [2]. Summary by Sections Section 1: Focus of the Week - Several banks have adjusted their deposit rates downward, with over half of listed banks participating in this trend by May 24, 2025 [1]. - The report notes that the average deposit cost rate for China Merchants Bank has shown improvement since Q2 2024, aligning with previous forecasts of enhanced cost reduction in liabilities [1]. Section 2: Sector Perspective - The banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with specific banks like Ningbo Bank, Postal Savings Bank, and China Merchants Bank highlighted as potential investment opportunities [4]. - The report emphasizes that the cyclical recovery may take time, but the ongoing interest rate cuts could sustain the dividend strategy for banks like Shanghai Bank and Jiangsu Bank [4]. Section 3: Key Data Tracking - The report tracks various financial metrics, including the issuance of interbank certificates and the average rates for different types of bank notes, indicating a dynamic market environment [9][8]. - It also notes the increase in the proportion of deposits with a remaining maturity of less than one year, which rose by 3 percentage points to 37.4% by the end of 2024, suggesting a trend towards concentrated deposit maturities [2][16].

21世纪经济报道记者 郭聪聪 北京报道 2025年4月1日，国家金融监督管理总局颁布的《关于加强商业银行互联网助贷业务管理提升金融服务质 效的通知》（下称《通知》）正式落地。如今，一个多月时间过去，已有金融机构快速响应监管要求， 一场以"名单制准入"为核心的助贷行业洗牌正在加速进行。 从各金融机构已披露的合作名单来看，头部平台占据主导地位，中小机构正在面临挤出效应。 在广州银行的 17 家合作机构中，头部平台占比超过 70%，蚂蚁、京东、乐信、奇富等行业领军企业均 在其中；尚诚消费金融合作的14家助贷平台及增信机构也均为行业知名企业；承德银行的合作名单更是 精简，仅选择了蚂蚁和京东两家巨头。 这种向头部集中的趋势，在助贷新规落地前其实已初现端倪。比如上海银行就在3月27日公示了零售信 贷业务合作催收机构名单，名单中同样出现了蚂蚁智信、微众银行等头部机构的身影。如今这种趋势在 监管政策的推动下，更是加速发展。 值得注意的是，部分助贷平台及其关联的融担公司同时出现在名单中，充分展现出集团化运作在资源整 合、风险控制等方面的优势。 日前，广州银行、尚诚消费金融、承德银行等金融机构陆续公布助贷平台合作名单。从入围机构 ...