证券之星消息，2月4日城商行板块较上一交易日上涨1.9%，宁波银行领涨。当日上证指数报收于 4102.2，上涨0.85%。深证成指报收于14156.27，上涨0.21%。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 | 31.70 | 3.26% | 36.54万 | 11.53亿 | | 601187 | 厦门银行 | 7.21 | 3.15% | 18.45万 | ● 1.32亿 | | 002948 | 青岛银行 | 5.52 | 2.79% | 93.00万 | 5.08亿 | | 601665 | 齐鲁银行 | 5.76 | 2.13% | 55.16万 | 3.16亿 | | 600926 | 杭州银行 | 16.14 | 1.89% | 39.19万 | 6.30 Z | | 6000000 | 南京银行 | 10.78 | 1.89% | 77.33万 | 8.33亿 | | 616009 | 江苏银行 | 10.18 | ...

Group 1 - A-shares of bank stocks collectively rose, with notable increases in stocks such as Chongqing Rural Commercial Bank, which rose over 2%, and several others including Ningbo Bank, Shanghai Bank, and Qilu Bank, which rose over 1% [1] - Specific stock performance includes Chongqing Rural Commercial Bank increasing by 2.24% with a total market value of 72.7 billion, and Ningbo Bank rising by 1.76% with a market value of 206.3 billion [2] - The year-to-date performance shows significant variations, with Ningbo Bank up 11.21%, while Shanghai Bank down 7.03%, and Hu'nong Commercial Bank down 10.23% [2] Group 2 - The MACD golden cross signal has formed, indicating a positive trend for these bank stocks [2]

Investment Rating - The industry investment rating is "Buy" [2] Core Insights - The report provides a comprehensive analysis of 163 regional banks in Zhejiang Province, highlighting their asset and liability structures, profitability, and asset quality [6][20] - The asset growth rate for major city commercial banks in Zhejiang is 9.4%, which is lower than the 14.2% growth rate of listed city commercial banks, while major rural commercial banks show an asset growth rate of 8.0%, exceeding the 6.7% growth rate of listed rural commercial banks [6][25] - The report indicates that the loan-to-asset ratio for city commercial banks is projected to reach 55.5% in 2024, an increase of 95 basis points year-on-year, while rural commercial banks will see a decrease to 59.3%, down 19 basis points [31] - Profitability metrics show that the average Return on Assets (ROA) for city commercial banks in Zhejiang is 0.78%, slightly above the average of listed city commercial banks, while rural commercial banks have an average ROA of 0.82%, which is below the average of listed rural commercial banks [6][31] - The asset quality of regional banks in Zhejiang is reported to be better than that of listed banks, with non-performing loan ratios lower by 16 basis points for city commercial banks and 9 basis points for rural commercial banks compared to their listed counterparts [6][31] Summary by Sections Section 1: Economic Structure of Zhejiang Province - Zhejiang Province is focused on high-quality development and aims to become a model for common prosperity [13] - The province's GDP is heavily concentrated in cities like Hangzhou, Ningbo, and Wenzhou, with Hangzhou accounting for 24.3% of the total GDP in 2025 [15] Section 2: Overview of 163 Regional Banks - The report categorizes the banks into city commercial banks, rural banks, and others, with a total of 163 banks in the region [20] - The distribution of registered capital among these banks is relatively balanced, with 63 banks having over 500 million yuan in registered capital [22] Section 3: Asset and Liability Structure - The asset growth of major city and rural commercial banks has been declining since 2019, with city banks showing a growth rate of 9.4% in the first half of 2025 [25] - The liability structure indicates that customer deposits account for 77.5% of liabilities for city commercial banks, which is higher than the 66.2% for listed city banks [44] Section 4: Profitability and Asset Quality - The average ROE for city commercial banks in Zhejiang is 11.98%, slightly lower than the average of listed city banks [6][31] - The report highlights that the non-performing loan ratio for city commercial banks is lower than that of listed banks, indicating better asset quality [6][31]

| 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | --- | --- | --- | --- | --- | --- | | 601963 | 重庆银行 | 10.18 | -1.83% | 12.29万 | 1.25亿 | | 601838 | 成都银行 | 15.82 | -1.62% | 44.70万 | 7.10亿 | | 601665 | 齐鲁银行 | 5.64 | -1.57% | 74.37万 | 4.21亿 | | 601169 | 北京银行 | 5.28 | -1.31% | 196.28万 | 10.39亿 | | 601229 | 上海银行 | 9.27 | -1.28% | 53.77万 | 4.98亿 | | 601577 | 长沙银行 | 9.56 | -0.93% | 19.60万 | 1.87亿 | | 600928 | 西安银行 | 3.69 | -0.81% | 24.44万 | 9033.50万 | | 601997 | 贵阳银行 | 5.69 | -0.70% | 42.61万 | 2.43亿 | | 616009 | 江苏银行 | ...

长沙晚报全媒体记者 吴鑫矾 近年来，湖南持续向全国青年发出"背着双肩包来创业"的邀约。作为湖南最大的法人金融机构和首家上 市银行，长沙银行推进"年轻人友好银行"建设，既是抢抓发展机遇的主动作为，更是扛起金融担当、赋 能地方发展的责任使命。 在日前举行的第19届亚洲金融论坛"湖南日"暨投融资对接会上，长沙银行与鸣鸣很忙集团签订战略合作 协议，围绕"年轻人友好"这一关键词深度合作。金融力量与年轻业态的深度融合将擦出怎样的火花？持 续推进"年轻人友好银行"建设的长沙银行又将如何为青年人进行赋能、托举？记者对此进行采访。 金融力量与年轻业态深度融合 何谓"年轻人友好银行"？长沙银行党委书记、行长张曼表示，人才是第一资源。在湖南建设"年轻人友 好省份"、长沙打造"年轻人友好城市"的背景下，长沙银行推进"年轻人友好银行"建设，正是立足国之 大者、省之大计、市之大业的具体实践。长沙银行将以创新的产品做最懂青年人的"添柴人"，以精准的 服务做青年人"在长沙，都实现"的"陪跑人"，更以长久的陪伴做青年人成长的"合伙人"。长沙银行将以 全方位、多层次、有温度的服务，服务当下，投资未来，让青年人成长有获、筑梦有成。 其实，在湖南创 ...

Market Overview - On February 2, the city commercial bank sector declined by 0.3% compared to the previous trading day, with Qilu Bank leading the decline [1] - The Shanghai Composite Index closed at 4015.75, down 2.48%, while the Shenzhen Component Index closed at 13824.35, down 2.69% [1] Individual Bank Performance - Shanghai Bank (601229) closed at 66.6, up 1.62% with a trading volume of 821,000 shares and a transaction value of 776 million [1] - Beijing Bank (601169) closed at 5.35, up 0.94% with a trading volume of 2.4269 million shares and a transaction value of 1.304 billion [1] - Nanjing Bank (6001009) closed at 10.62, up 0.85% with a trading volume of 844,400 shares and a transaction value of 902 million [1] - Qilu Bank (601665) closed at 5.73, down 1.55% with a trading volume of 715,600 shares and a transaction value of 415 million [2] - Hangzhou Bank (600926) closed at 15.92, down 1.49% with a trading volume of 521,800 shares and a transaction value of 840 million [2] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 17.93 million from institutional investors, while retail investors experienced a net outflow of 157.95 million [2] - Major banks like Shanghai Bank and Jiangsu Bank had significant net inflows from institutional investors, with Shanghai Bank receiving 71.52 million, accounting for 9.22% of its total [3] - Conversely, retail investors showed a notable outflow from several banks, including Beijing Bank, which saw a retail net outflow of 64.17 million, representing 4.92% [3]

出品|中访网 审核|李晓燕 在湖南银行业支持经济高质量发展新闻发布会上，长沙银行党委书记、行长张曼公布的一组数据引发广 泛关注：2025年该行累计投放普惠贷款超1000亿元，通过小微企业融资协调机制落地授信1570亿元、发 放贷款696亿元，两项核心指标稳居全省前列；同时实现减费让利近10亿元，以实打实的金融支持为湖 南实体经济注入强劲动能。作为扎根三湘大地的本土银行，长沙银行以"助企融资17条"为抓手，在信贷 额度、资金成本、考核激励、尽职免责等方面构建全链条支持体系，为区域性银行高效服务实体经济提 供了可借鉴的实践样本。 实体经济的痛点在哪里，金融服务就跟进到哪里。长沙银行聚焦民生消费、乡村振兴、创新创业"三个 重点"，实现信贷资源的精准滴灌与高效配置。在民生消费领域，针对"吃喝玩乐美""医教游养娱"十大 场景的经营主体需求，该行优化迭代"企业快贷"与"310"服务模式，创下"三分钟申请、一分钟放款、零 人工干预"的高效服务纪录，近三年已为7000余家市场主体提供授信支持，累计投放资金超200亿元，有 效缓解了中小微企业"融资慢、融资难"的燃眉之急。这种数字化服务模式的升级，不仅契合了消费领域 企业资金周 ...

此前，双方已具备良好合作基础。2024年底，长沙银行向鸣鸣很忙集团提供5亿元授信支持，有效满足 企业阶段性经营和备货需求。此次官宣战略合作，标志着双方合作由单一金融支持进一步拓展至长期、 系统性的生态协同。 长沙银行持续推进"年轻人友好银行"建设。2025年12月，该行启动支持青年人才创新创业行动，推出包 括一卡、一码、一平台、一沙龙和一大赛在内的"五个一工程"，为青年创新创业提供更加便捷、多元的 金融支持。其中，全省首创的"青年双卡"已正式发行，青年借记卡累计发卡超1万张；围绕"一卡"体系 推出的青年专享理财已发行1期，销量超1亿元。"一码"服务同步上线人才贷二维码，实现企业融资、个 人按揭等需求"一码办理"。同时已为2025年湖南省（国际）创新创业大赛的130家参赛企业授信超18亿 元。 长沙晚报掌上长沙1月29日讯（全媒体记者 吴鑫矾）为持续推进"年轻人友好银行"建设，长沙银行与鸣 鸣很忙集团于1月27日在第19届亚洲金融论坛"湖南日"暨投融资对接会上签订战略合作，双方将在青年 服务生态建设、金融支持新消费等领域深化合作。 双方将整合各自优势资源，共同构建年轻人服务生态，为青年群体提供创业指导、融资支持 ...

从资金流向上来看，当日城商行板块主力资金净流入7.24亿元，游资资金净流入8565.32万元，散户资金 净流出8.1亿元。城商行板块个股资金流向见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入(元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 600919 江苏银行 | | 2.49 Z | 13.77% | -2499.87万 | -1.38% | -2.24 Z | -12.39% | | eoilea | 北京银行 | 2.15 Z | 16.03% | -3997.26万 | -2.97% | -1.75 Z | -13.06% | | 601229 上海银行 | | 1.08亿 | 13.65% | 4314.61万 | 5.44% | -1.51 Z | -19.09% | | 6000009 | 南京银行 | 8171.13万 | 11.53% | 3568.90万 | 5.04% | -1.17 Z | -16.56% | | 601838 ...

[Table_Page] 深度分析|银行 证券研究报告 [Table_Title] 银行行业 一文纵览全国分省份财政社融特征 [Table_Summary] 核心观点： （5）地方债务：2024 年所有省份狭义赤字率平均为 16.4%，广义赤 字率平均为 20.0%，处于 2010 年来偏低水平；债务率平均为 357.0%， 2016 年来持续上行。 [Table_Grade] 行业评级 买入 前次评级 买入 报告日期 2026-01-28 [Table_PicQuote] 相对市场表现 -10% -2% 6% 14% 22% 30% 01/25 04/25 06/25 09/25 11/25 01/26 银行 沪深300 | [分析师： Table_Author]倪军 | | | --- | --- | | | SAC 执证号：S0260518020004 | | | 021-38003646 | | | nijun@gf.com.cn | | 分析师： | 林虎 | | | SAC 执证号：S0260525040004 | | | SFC CE No. BWK411 | | | 021-38003643 ...