长沙银行股份有限公司章程 第一章 总 则 第四条 本行于 2018 年 8 月 6 日经中国证券监督管理委 员会核准，首次向社会公众发行人民币普通股 342,155,376 1 股，于 2018 年 9 月 26 日在上海证券交易所上市。本行于 2019 年 11 月 14 日经中国证券监督管理委员会核准，发行优先股 60,000,000 股，于 2020 年 1 月 21 日在上海证券交易所挂牌 转让。 第五条 本行注册名称为： 中文名称：长沙银行股份有限公司，简称长沙银行。 第一条 为规范长沙银行股份有限公司（以下简称"本行"） 的行为，保障本行、本行股东和债权人的合法权益，根据《中 华人民共和国公司法》（以下简称"《公司法》"）、《中华人民 共和国证券法》（以下简称"《证券法》"）、《中华人民共和国 银行业监督管理法》（以下简称"《银行业监督管理法》"）、《中 华人民共和国商业银行法》（以下简称"《商业银行法》"）、《中 国共产党章程》（以下简称"《党章》"）、《银行保险机构公司 治理准则》（以下简称"《治理准则》"）、《优先股试点管理办 法》、《国务院关于开展优先股试点的指导意见》、《中国银保 监会、 ...

Core Viewpoint - The development of technology finance is essential for accelerating the construction of a strong financial nation and fostering new momentum for high-quality development [1] Group 1: Financial Support for Technology Enterprises - Local financial management departments and institutions are encouraged to implement detailed measures to support technology finance, including enhancing credit support for technology innovation [1][5] - Hunan Lihua Houpu Technology Co., Ltd. received a loan of 10 million yuan based on the assessed value of its intellectual property, highlighting the importance of patents in financing [2] - The People's Bank of China in Zhuzhou has issued implementation opinions to guide banks in focusing credit resources on technology enterprises [2][3] Group 2: Innovative Financial Products - Zhuzhou Construction Bank has introduced "Technology Loans" to support technology enterprises in key industries, while Zhuzhou Rural Commercial Bank has developed various loan products tailored to the needs of technology firms [3] - The cumulative issuance of "intellectual property pledge" loans reached 91.1 million yuan, benefiting 630 technology enterprises in Zhuzhou [3] - The average interest rate for technology loans in Zhuzhou is 3.75%, which is 68 basis points lower than the average rate for general loans [6] Group 3: Efficient Financial Services - Companies like Lifan New Energy have benefited from quick loan approvals, receiving 10 million yuan in "Technology e-loans" within 10 minutes, showcasing the efficiency of banking services [4] - Since 2024, banks have issued a total of 1.495 billion yuan in technology loans, indicating a strong commitment to supporting technology enterprises [4] Group 4: Government and Bank Collaboration - The People's Bank of China has established a 500 billion yuan re-lending program at a 1.75% interest rate to support technology innovation and transformation [5] - A total of 57 projects have been approved under this re-lending program, with a financing demand of 2.62 billion yuan [5] Group 5: Financing Connection Activities - Recent financing connection activities have facilitated partnerships between over 160 technology enterprises and banks, resulting in signed agreements totaling 7.35 billion yuan [7][8] - The People's Bank of China in Zhuzhou has organized 17 financing connection events, leading to the implementation of 92 loan projects worth 16.85 billion yuan [8] - A specialized service mechanism for quality technology enterprises has been established to enhance the coverage of high-tech enterprises [8]

一列披挂着"存款保险专列"醒目标语的智能轨道快运列车（智轨），近日在湖南省株洲市正式发 车。这并非一趟普通的城市交通工具，而是由中国人民银行株洲市分行主办、长沙银行株洲分行承办 的"存款保险主题宣传智轨专列"。这标志着株洲市在创新金融知识普及方式、提升公众金融素养方面迈 出了突破性一步，写下《存款保险条例》实施十周年极具地方特色的实践答卷。 智慧交通承载金融安全 这列穿行于株洲街巷的智轨专列，不仅搭载着广大人民群众，更承载着国家守护金融安全、保障人 民财富的庄严承诺。它以创新的姿态和贴近民生的方式，生动诠释了存款保险制度十年如一日为百 姓"钱袋子"带来的守护，成为株洲这座"动力之都"里一道亮丽的金融安全风景线。 图为银行工作人员正在向乘客宣传存款保险知识。 在发车仪式现场，中国人民银行株洲市分行党委书记、行长王一凡宣布专列正式启动。他表示，选 择株洲市具有自主知识产权的智轨系统作为存款保险宣教载体，是践行"金融为民"理念、推动存款保险 知识"飞入寻常百姓家"的创新尝试。"智轨是株洲智慧城市的名片，将存款保险这一守护金融安全的'金 盾'与其结合，旨在利用其高曝光度、广覆盖面和亲民属性，打造一个流动的、沉浸式的存 ...

Core Viewpoint - The article highlights the growth and potential of the leisure food industry in Pingjiang County, showcasing successful brands and the role of financial support in driving industry development [9][11][12]. Industry Overview - The leisure food industry in Pingjiang County has become a significant economic driver, with products like spicy strips and fish snacks achieving substantial sales [9]. - The industry has maintained double-digit growth over the past three years, with projected industrial output value reaching 49.804 billion yuan in 2024, reflecting a year-on-year increase of 22.17% [13]. Company Highlights - "Mala Prince" has achieved sales in the tens of billions by selling spicy strips, while "Jinzai" has become the leading brand in fish snacks [9]. - "Original Memory," a brand focusing on Pingjiang's traditional soy products, has gained popularity through innovative production methods and strategic marketing, achieving significant market presence despite higher pricing [10][11]. Financial Support - Financial institutions like Changsha Bank have played a crucial role in supporting the growth of local food enterprises, providing tailored financing solutions that have helped companies scale from 30 million yuan to 100 million yuan in annual output [11][12]. - Changsha Bank has invested over 1 billion yuan in various loans, supporting more than 10,000 enterprises and contributing nearly 400 million yuan in taxes [12]. Market Dynamics - The article emphasizes the importance of quality and differentiation in the leisure food market, with companies adopting innovative production techniques to meet consumer demand for healthier options [10][11]. - The presence of 725 leisure food companies in Pingjiang, including 15 provincial-level specialized enterprises and 26 national high-tech firms, underscores the region's industrial strength [13].

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]

Core Viewpoint - Changsha Bank has successfully developed and promoted a unique "Youth Ideological and Political Course," which has gained significant recognition and demand from various sectors, including schools and enterprises, reflecting the strong societal need for innovative ideological education [9][10][15]. Group 1: Course Development and Impact - The "Youth Ideological and Political Course" was initially designed for internal employees, aiming to provide spiritual motivation and address work-related challenges, leading to a positive shift in employee attitudes and a sense of social responsibility [9][10]. - The course has expanded its reach, being invited to over 300 sessions, with more than 170,000 participants, including students and employees from various organizations [15]. - The course's success is attributed to its creative and refined approach, which includes tailored content that resonates with different audiences, moving away from traditional, broad ideological education methods [13][14]. Group 2: Societal and Institutional Needs - The initiative responds to three key needs: the national strategy for ideological education, the demand from educational institutions for quality ideological courses, and the necessity for banks to cultivate a strong corporate culture and positive public image [10][12]. - The course has been well-received by educational authorities and has fostered deep collaborations with schools, enhancing the bank's community engagement and social responsibility [15]. Group 3: Course Features and Delivery - The course is designed to be modular and customizable, allowing for various formats such as 15-minute focused themes or 1-hour comprehensive sessions, ensuring effective delivery and engagement [14]. - The content is continuously refined to maintain relevance and emotional impact, integrating historical context with contemporary issues, thereby enhancing its appeal and effectiveness [14].

证券之星消息，8月5日城商行板块较上一交易日上涨1.54%，齐鲁银行领涨。当日上证指数报收于 3617.6，上涨0.96%。深证成指报收于11106.96，上涨0.59%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601665 | 齐鲁银行 | 6.26 | 2.96% | 88.29万 | 5.47 乙 | | 002948 | 青岛银行 | 5.06 | 2.43% | 42.91万 | 2.15亿 | | 601229 | 上海银行 | 10.49 | 2.04% | 62.51万 | 6.50亿 | | 601997 | 贵阳银行 | 6.52 | 2.03% | 49.77万 | 3.22亿 | | 601187 | 厦门银行 | 7.10 | 2.01% | 36.41万 | 2.57亿 | | 6000000 | 南京银行 | 11.96 | 1.87% | 56.35万 | 6.72亿 | | 601577 | 长沙银行 | 10.19 | 1. ...

Fund Overview - The fund is named "Hengsheng Qianhai Ruifeng Mixed Securities Investment Fund" and is classified as a mixed securities investment fund [7] - The fund will be publicly offered from August 18, 2025, to August 29, 2025 [9] - The initial offering price for the fund shares is set at RMB 1.00 [8] Fund Management and Custody - The fund is managed by Hengsheng Qianhai Fund Management Co., Ltd., and the custodian is Changsha Bank Co., Ltd. [1][35] Subscription Details - The fund offers two classes of shares: Class A and Class C, with different fee structures [2] - The minimum subscription amount for non-direct sales institutions is RMB 1, while for direct sales, it is RMB 50,000 for the first subscription [2][8] - There is no limit on the total subscription amount for individual investors, but the fund manager may restrict subscriptions if an investor's total exceeds 50% of the fund's total shares [2][10] Subscription Process - Investors must open a fund account with the management company and ensure the legality of the funds used for subscription [3][10] - Subscription applications must be confirmed by the fund's registration institution, and the acceptance of applications does not guarantee successful confirmation [3][20] Fund Operation and Conditions - The fund operates on a contractual open-end basis and has an indefinite duration [8] - The fund will only be established if it meets specific conditions, including a minimum of 200 investors and a total subscription amount of at least RMB 200 million [10][33] Investor Categories - The fund is open to individual investors, institutional investors, qualified foreign investors, and other investors permitted by law [1][8] - Specific groups, such as social security funds and enterprise annuities, may have differentiated subscription fee rates [12][14] Contact Information - Investors can contact the fund management company for inquiries regarding the fund and subscription processes [35][36]

Group 1 - The core conclusion is that high-quality cyclical stocks are expected to show a fundamental turning point, which is key to their potential for excess returns. Currently, banks with a high proportion of retail exposure are still under pressure, but signs indicate that the pressure on quality stocks is easing. This is due to the gradual clearance of retail non-performing loans and the expectation that net interest margins will stabilize first [3][5][29] - The report predicts that the retail non-performing loan generation for listed banks will remain high until the second half of 2026, but quality banks are expected to clear their non-performing loans ahead of the industry. For quality regional banks with strong risk management capabilities, the turning point for retail non-performing loans may be approaching [3][8][18] - The net interest margin for some quality regional banks is expected to stabilize first due to a noticeable narrowing in the decline of new loan interest rates and the high proportion of long-term savings deposits, which provides greater room for optimization [3][22][29] Group 2 - The macro narrative of anti-involution is strengthening, and long-term economic optimism is increasing, which enhances the winning probability of cyclical stocks. Although the current economic fundamentals remain weak, the long-term optimistic expectations have been reinforced. The report suggests that further demand-side policies are needed to translate expectations into reality, which is a significant factor in recent market adjustments [4][27][29] - The report recommends selecting undervalued high-quality cyclical stocks for excess returns in the second half of the year, while high-dividend stocks still hold significant value but are unlikely to yield excess returns. The performance of individual stocks is expected to diverge, making stock selection crucial [29][31] - The report highlights specific banks such as Ningbo Bank, Changshu Bank, Changsha Bank, Chongqing Rural Commercial Bank, and China Merchants Bank as key recommendations for investors looking for quality cyclical stocks with potential for early recovery in fundamentals [29][31]

证券之星消息，8月1日城商行板块较上一交易日上涨1.08%，宁波银行领涨。当日上证指数报收于 3559.95，下跌0.37%。深证成指报收于10991.32，下跌0.17%。城商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 002142 | 宁波银行 | 28.48 | 2.19% | 40.15万 | | 11.38亿 | | 6000000 | 南京银行 | 11.68 | 1.74% | 53.44万 | | 6.19亿 | | 601838 | 成都银行 | 18.72 | 1.35% | 29.71万 | | 5.51亿 | | 600926 | 杭州银行 | 16.26 | 1.31% | 57.32万 | | 9.26亿 | | 002948 | 青岛银行 | 4.81 | 1.26% | 90.82万 | | 4.45 乙 | | 616009 | 江苏银行 | 11.44 | 1.24% | 129.60万 | | 14.71亿 | | ...