记者丨 黄子潇 编辑丨孙超逸 截至发稿，已有建设银行、工商银行、中国银行、农业银行、交通银行、邮储银行、招商银 行、平安银行、华夏银行、中信银行、浦发银行、渤海银行、广发银行、北京银行、上海银 行、广州银行、华润银行、华兴银行的深圳分行，以及深圳农商银行等 19家银行 发布了相关 声明。 7月15日，南方财经记者注意到， 深圳超15家银行密集发布声明，称某贷款中介机构假冒合作 方揽客。 其中，多家银行直接点名 该贷款中介为鑫心惠邻（深圳）咨询服务有限公司 ，表示该涉事机 构在相关门店、附近小区电梯广告位打出"降息优化""携手XX 银行"等宣传广告，并声称多家 银行为其战略合作伙伴，扰乱金融秩序。 值得注意的是，7月15日和16日，鑫心惠邻在公众号上两次发布推文回应，表示6月份因为"不 严谨"占用了公共资源，张贴了银行标签，该公司已经全面整改，并强调没有和任何金融机构 有合作。 不过这一说法与多家银行公告中"冒充银行合作机构"的声明存在矛盾。 南方财经记者获悉，相关部门已介入调查。 企查查显示，鑫心惠邻（深圳）咨询服务有限公司成立于2024年11月，注册资本1000万元， 注册地址位于龙华区，经营范围包括融资咨 ...

除此次姜壹盛被查外，2022年7月15日，据广东省纪委监委消息，工行广东省分行原副行长周杰涉嫌严重违纪违 法，接受相关部门的纪律审查和监察调查。经纪委监委调查发现，周杰在任职期间存在借职务之便违规从事营利 活动、向贷款企业出借资金获取大额回报、以手中信贷审批权谋取私利，非法收受巨额财物等违法违纪行为，后 被双开。 同样在2022年，周杰的原同事、工行广东省分行原副行长陆锦文被双开。陆锦文被指在担任工行广东省分行营业 部副总经理，工行广东省分行副行长、高级专家期间，利用职务便利，为有关单位及个人在销售产品、贷款融 资、工程承揽等方面谋取利益，单独或与他人共同非法收受他人财物折合人民币1.0477亿余元。2023年年底，陆锦 文因受贿罪、违法发放贷款罪等罪名被判获刑死缓，他成为工行系统内第一个被判决死缓的高管。 值得一提的是，姜壹盛与陆锦文的职业经历有不少重叠之处，都曾担任过广东省分行的副行长，都曾任工行广东 省分行营业部副总经理一职。据悉，陆锦文在2012年至2014年任该职务期间，曾违反国家规定为相关单位发放贷 款共计7亿元。 姜壹盛资料图 （一）概况 本监测期内，重点舆情中，中国工商银行（澳门）股份有限公司 ...

Investment Rating - The report maintains a "Recommended" rating for the banking sector, indicating a positive outlook for the industry based on expected policy catalysts and improvements in asset quality [4]. Core Insights - The central urban work conference emphasizes urban renewal as a key strategy, which is expected to drive incremental credit and improve asset quality for banks. The focus is on optimizing urban structure, transforming economic dynamics, and enhancing quality [4]. - The report anticipates that the implementation of urban renewal policies will lead to increased financing needs, particularly through special bonds and loans, with an estimated potential for banks to generate an additional 100 to 200 billion yuan in credit from urban village renovations [4]. - The expected improvements in asset quality are linked to the restriction of high-rise buildings and the promotion of dilapidated housing renovations, which may alleviate cash flow pressures on real estate companies and reduce the depreciation of real estate collateral [4]. Summary by Sections Urban Renewal and Financing - The report highlights the importance of diverse financing methods for urban renewal, including central budget funds, long-term special bonds, local fiscal funds, and various types of loans [4]. - It notes that the current proportion of special bonds used as capital is around 10%, indicating significant room for growth [4]. Impact on Banking Sector - The report suggests that banks will benefit from increased participation in urban renewal projects, with both corporate and retail banking segments expected to see positive impacts [4]. - It mentions that the sample banks have shown signs of improvement in corporate real estate loans, with a year-on-year decrease in non-performing loan balances by 2.87% and a slight decline in the non-performing loan ratio [4]. Investment Recommendations - The report recommends specific banks, including Industrial and Commercial Bank of China, China Construction Bank, and Postal Savings Bank of China, among others, as potential investment opportunities due to their favorable positioning in the current market environment [4].

Core Viewpoint - Shenzhen banks have collectively issued statements targeting the misconduct of loan intermediaries, specifically addressing the actions of a consulting service agency named Xin Xin Hui Lin [1][5][17]. Group 1: Bank Responses - Nearly 20 banks in Shenzhen, including major institutions like Bank of China and Agricultural Bank of China, have released statements disavowing any partnership with the intermediary Xin Xin Hui Lin [1][5]. - The Bank of China emphasized that it does not charge intermediary fees or any related costs in its loan business [3]. - Postal Savings Bank of China highlighted that some intermediaries are using false advertisements to claim partnerships with banks, urging the public to be cautious of misleading loan offers [5][7]. Group 2: Intermediary Misconduct - Xin Xin Hui Lin has been accused of falsely advertising itself as a bridge between banks and communities, claiming to improve loan approval rates while charging various fees [7][9]. - The agency reportedly displayed logos of over 20 banks, misleading customers into believing it had strategic partnerships with these institutions [9][12]. - The actual control of Xin Xin Hui Lin is held by Gui Yaolin, who has registered multiple companies under the "Hui Lin" name, indicating a potential pattern of misconduct [12][14]. Group 3: Regulatory Response - The collective statements from banks were reportedly made in response to requests from Shenzhen's financial regulatory authorities, aiming to protect consumer rights and clarify the situation [5][7]. - The intermediary acknowledged its mistakes in using bank logos and stated it has undertaken corrective measures, asserting that it does not have any partnerships with financial institutions [17].

Core Viewpoint - The international silver price has surged significantly this year, with a cumulative increase of 35%, surpassing gold's performance, and reaching a 14-year high of over $39 per ounce on July 14 [1][12]. Group 1: Market Trends - Multiple banks have launched various silver investment products to capitalize on the rising silver prices [2][3]. - The Industrial and Commercial Bank of China (ICBC) has prominently featured a silver investment product called "Wealthy Blessing Silver Ingot" priced at 755 yuan for 50 grams, and a popular "Panda Silver Coin" set priced at 5,317 yuan for 30 grams each, achieving sales of over 7,000 sets [3][7]. - China Bank has introduced commemorative silver bars, with prices ranging from 598 yuan for 10 grams to 3,980 yuan for 200 grams [7]. Group 2: Investor Sentiment - Many investors are eager to invest in silver, but there is a noticeable disparity between the high demand for silver and the actual sales at bank branches, which remain relatively low [9][10]. - Despite the high price increase in silver, gold products continue to be more popular among investors, leading to limited inventory of silver products at banks [9][10]. Group 3: Market Dynamics - The recent surge in silver prices is attributed to several factors, including a tight supply of silver, significant inflows into silver ETFs, and a growing industrial demand that has resulted in a supply deficit of over 4,000 tons this year [12][13]. - Market analysts suggest that the rising risk appetite and expectations of interest rate cuts by the Federal Reserve have contributed to the bullish sentiment in the silver market [13].

沪指7月16日下跌0.03%，申万所属行业中，今日上涨的有14个，涨幅居前的行业为社会服务、汽车， 涨幅分别为1.13%、1.07%。跌幅居前的行业为钢铁、银行，跌幅分别为1.28%、0.74%。银行行业位居 今日跌幅榜第二。 | 601009 | 南京银行 | -0.69 | 0.34 | -2005.15 | | --- | --- | --- | --- | --- | | 002958 | 青农商行 | -1.34 | 2.04 | -1886.43 | | 601963 | 重庆银行 | -1.18 | 0.74 | -1660.69 | | 601998 | 中信银行 | -0.58 | 0.13 | -1305.22 | | 601860 | 紫金银行 | -0.94 | 2.13 | -1123.57 | | 600908 | 无锡银行 | -1.10 | 1.15 | -713.28 | | 002839 | 张家港行 | -0.85 | 1.95 | -610.12 | | 600928 | 西安银行 | 0.00 | 0.76 | -498.62 | | 002966 | 苏州银行 | ...

Group 1 - Multiple banks in Shenzhen have issued statements regarding a loan intermediary, Xin Xin Hui Lin (Shenzhen) Consulting Service Co., Ltd., which is accused of impersonating banks to attract customers [1][3] - The involved banks include major institutions such as China Construction Bank, Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others, totaling 19 banks that have released related statements [1] - Xin Xin Hui Lin claims to provide services for lowering interest rates and has been promoting itself as a "lower interest station," despite banks denying any partnership with the intermediary [3][4] Group 2 - Regulatory authorities have intervened in the investigation of the loan intermediary's practices, which included misleading advertisements claiming partnerships with various banks [2][4] - Recent regulatory actions have intensified scrutiny on loan assistance platforms, with the Ningxia local financial management bureau revoking the operating qualifications of seven loan intermediaries [4] - A notice was issued by regulatory bodies in April to strengthen the management of internet loan assistance services, set to take effect on October 1 [5]

转自：新华财经 编辑：赵鼎 海南绿发科技集团子公司绿发金科信息技术有限公司（以下简称"绿发金科"）近日依托自主研发的"可 持续发展国际服务平台"，成功协助北京信诺达泰思特科技股份有限公司高效完成企业可持续发展信息 披露，并据此获得中国工商银行基于该披露审核结果发放的专项贷款。这标志着全国首笔直接依据财政 部等9部门《企业可持续披露准则——基本准则（试行）》信息披露质量提供的商业贷款正式落地，为 绿色金融创新服务实体经济高质量发展开辟了新路径。 登录新浪财经APP 搜索【信披】查看更多考评等级 可持续发展国际服务平台是绿发金科基于财政部等9部门《企业可持续披露准则——基本准则（试 行）》核心框架与具体要求开发的企业可持续披露平台，为企业提供便捷、规范的信息披露渠道，免费 生成可持续发展报告，并通过智能化工具辅助数据填报、校验与分析，成为企业践行可持续发展的"一 站式"服务窗口。未来，绿发金科将继续在财政部等相关部门的指导下，深化平台服务能力，助力更多 企业实现可持续发展转型。（叶文华） 本次创新实践得到了财政部会计司及北京市财政局的高度重视与指导。北京市财政局围绕财政部等9部 门《企业可持续披露准则——基本准则 ...

各位投资者朋友大家下午好我是华安特略组分析师陈博近期市场对于银行板块关注度很高我们希望从多个角度对银行上涨的逻辑支撑然后未来的持续性角度对其做出一些详细的拆解所以我们未来会推出围绕银行多个问题探讨的系列报告那么我们将这个系列报告命名为银行放大镜系列今天给大家汇报该系列的第一篇报道银行股市率即将显著提升 这份报告主要是为了要探讨未来半年左右银行板块补息率的潜在变动幅度以及变化的时间节点那么核心结论是我们在转中期内仍然看好银行板块补息率整体维持在5%左右的一个水平并且有一个较强的支撑性那么接下来我们会从银行的主要分红方式银行的分红时间然后分红对补息率的具体影响三个方面进行拆解那么首先 我们从银行的派系方式去给大家做一个讲解通常来说上市公司分红有两种形式一种是发放现金股利的方式那么另外一种是股票股利比如说手上持有多少股然后以增发多余的股票为主那么上市公司其实可以根据实际情况选择其中的一种或者同时使用两种方式进行分红 那么我们其实可以看到就是从2022年到2024年银行公布的中报和年报中间实际上在42家A股上市银行中只有郑州银行在2023年采用了一次美股转赠的方式进行分红那么其余所有的上市银行的分红方式都是以派系为主 ...

Core Viewpoint - Retail banking is a crucial focus for commercial banks' transformation, facing challenges in 2024, but remains a key growth engine under policies promoting domestic demand and consumption [1] Retail Customer Situation - In 2024, 29 listed banks reported over 4.6 billion retail customers, an increase of 120 million from 2023, indicating intense competition in personal financial services [2] Retail Deposits and Loans - By the end of 2024, household deposits reached 152.3 trillion yuan, a 10% year-on-year increase, with 57 listed banks reporting retail deposits totaling 109 trillion yuan, accounting for 71.5% of the industry [5] - All 57 banks reported an increase in personal deposit scale, with the highest growth exceeding 30%. For instance, the average cost rate of retail customer deposits for China Merchants Bank was 1.44% [5] - The total amount of household loans was 82.8 trillion yuan, growing by 3% year-on-year, with retail loans from 57 listed banks totaling 64 trillion yuan, representing 77% of the industry [7] Retail Loan Structure - Among 59 sample banks, 29 saw an increase in personal housing loans, with some banks like Zheshang Bank and Guizhou Bank exceeding 10% growth. Consumer loans also saw significant increases, with some banks reporting over 40% growth [10] Retail Business Income - Of the 55 banks reporting retail line performance, 24 experienced year-on-year growth in retail business income, while 19 saw profit increases. However, half of the banks reported increased credit impairment losses, with the highest increase reaching 180% [12] - Interest income remains the primary source of retail business revenue, averaging 90% of total income, with many banks relying on inter-departmental interest income to support retail loan growth [12] Retail Business Risk - Most listed banks reported retail business non-performing loan ratios between 1% and 3%, with some city commercial banks nearing 5%. Housing loans showed the best asset quality, while risks in operating loans from regional banks need attention [14]