| 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 | | 1.70 Z | 7.07% | -6735.31万 | -2.81% | -1.02 Z | -4.26% | | 6000000 | 南京银行 | 1.37亿 | 23.69% | -2984.65万 | -5.18% | -1.07 Z | -18.51% | | 601665 | 齐鲁银行 | 7332.09万 | 17.29% | -4974.69万 | -11.73% | -2357.40万 | -5.56% | | 002948 青岛银行 | | 4859.32万 | 24.84% | -938.50万 | -4.80% | -3920.83万 | -20.04% | | 601229 | 上海银行 | 3676.11万 | 7.96% | -920.75万 | -1.99% | -2755.36万 | -5.96% | ...

A股市场银行股普涨，其中，江苏银行、杭州银行、江阴银行、渝农商行涨超2%，中国银行、成都银 行涨近2%。值得注意的是，邮储银行创历史新高。 责任编辑：栎树 | 代码 | 名称 | 涨幅% ↓ | 总市值 | 年初至今涨幅% | | --- | --- | --- | --- | --- | | 600919 | 江苏银行 | 2.61 | 2092亿 | 21.94 | | 600926 | 杭州银行 | 2.32 | 1185亿 | 13.76 | | 002807 | 江阴银行 | 2.04 | 123亿 | 20.15 | | 601077 | 渝农商行 | 2.00 | 752亿 | 14.69 | | 601988 | 中国银行 | 1.98 | 18269亿 | 7.50 | | 601838 | 成都银行 | 1.88 | 783亿 | 13.12 | | 601187 | 厦门银行 | 1.49 | 180亿 | 23.97 | | 002958 | 青农商行 | 1.45 | 194亿 | 18.81 | | 600928 | 西安银行 | 1.30 | 173亿 | 10.36 | | 6 ...

头部城商行是银行中业绩增长最快的群体，从 2019年到2024年的5年间，增速最快的7家上市银行里有6家是城商行。 不过，今年城商行一反常态，罕见拖了银行板块的后腿。一季度，上市城商行同比增速环比下降了3.6个百分点，在上市银行板块中增速下降最大。在降 速趋势下，头部城商行也未能幸免。 前几年以成长性著称的成都银行、江苏银行、杭州银行、长沙银行都有明显降速。尤其是杭州银行，一季度，其营收同比增长2.2%，与之前五年复合增 长率（12.4%）相差较多。 为什么头部城商行都在降速？ 1 业绩、压力与潜力 城商行作为地方金融体系的重要组成部分，其发展状况不仅关乎自身的盈利能力，也影响着地方经济的稳定与增长。 然而，在追求增长的过程中，城商行面临的合规管理压力也不容忽视。2024年以来，金融监管趋严，多家城商行因信贷管理不审慎、资金空转、存款数据 造假等问题收到罚单，合规挑战成为影响其可持续发展的重要因素。 图：头部城商行营收增速变化 今年一季度，20家上市城商行有16家同比增速下降。其中，不乏长沙银行、江苏银行、杭州银行、成都银行等以成长性著称的头部城商行。 以杭州银行为例，其属地居民富裕、存款多，但产业机构中有大 ...

Core Viewpoint - The article provides a comparative analysis of Hunan Bank and Changsha Bank, highlighting their differences in ownership structure, financial performance, and operational scale. Group 1: Background and Ownership - Hunan Bank was established in 2010 from the merger of several banks and credit cooperatives, with Hunan Financial Holdings becoming the largest shareholder after a series of ownership changes [3][4]. - Changsha Bank originated from 14 urban credit cooperatives in 1997 and has undergone several name changes, with the Changsha Municipal Finance Bureau being its largest shareholder [5][6]. Group 2: Capital Market Presence - Hunan Bank has not yet entered the capital market and remains unlisted [8]. - In contrast, Changsha Bank was listed on the Shanghai Stock Exchange in 2018, with the stock code 601577.SH [9]. Group 3: Operational Scope - Hunan Bank operates exclusively within Hunan Province, with 224 branches as of the end of 2024 [10]. - Changsha Bank has a broader operational footprint, with 411 branches, including one in Guangzhou, while generating 65.76% of its revenue from Changsha [10][11]. Group 4: Financial Performance - As of 2024, Hunan Bank's total assets were 565.34 billion, while Changsha Bank's total assets exceeded 1 trillion, indicating a significant scale difference [14]. - Changsha Bank's operating income was 259.36 billion, compared to Hunan Bank's 114.02 billion, with net profit figures showing a similar disparity [14]. - Hunan Bank's net interest margin was 1.63%, significantly lower than Changsha Bank's 2.11% [16][26]. Group 5: Asset Quality - Changsha Bank consistently maintains a lower non-performing loan (NPL) ratio, recorded at 1.17% in 2024, compared to Hunan Bank's 1.65% [16][28]. - The provision coverage ratio for Changsha Bank was 312.80%, indicating stronger asset quality management compared to Hunan Bank's 176.19% [14][33]. Group 6: Employee Compensation - In 2024, Changsha Bank's total employee compensation was 4.327 billion, significantly higher than Hunan Bank's 1.816 billion, reflecting a more competitive salary structure [37]. - The average salary for employees at Changsha Bank was 442,500, compared to Hunan Bank's 369,800 [37]. Group 7: Long-term Trends - Over the past decade, Changsha Bank's total assets have consistently outpaced Hunan Bank's, with the asset ratio increasing from 1.35 times to 2.03 times [17]. - Revenue and profit growth for Changsha Bank has also been more robust, with operating income and net profit ratios expanding significantly compared to Hunan Bank [19][22]. Group 8: Business Structure - Changsha Bank's revenue is primarily driven by net interest income, maintaining around 80% of total income, while Hunan Bank's reliance on interest income has fluctuated, dropping to 71.52% in 2024 [23][25]. - Hunan Bank's loan-to-asset ratio is higher, but its lower net interest margin indicates less efficiency in generating income from its loan portfolio [29][27]. Group 9: Conclusion - Overall, Changsha Bank has established itself as a larger, more efficient, and higher-quality institution compared to Hunan Bank, despite Hunan Bank's higher administrative level [7][39][40].

证券之星消息，8月14日城商行板块较上一交易日下跌0.46%，厦门银行领跌。当日上证指数报收于 3666.44，下跌0.46%。深证成指报收于11451.43，下跌0.87%。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) | | --- | --- | --- | --- | --- | --- | | 600T009 | 南京银行 | 11.75 | 0.09% | 43.50万 | 5.11亿 | | 002142 | 宁波银行 | 28.14 | -0.14% | 25.32万 | 7.15亿 | | 616009 | 江苏银行 | 11.17 | -0.27% | 130.62万 | 14.60亿 | | 601229 | 上海银行 | 10.15 | -0.39% | 42.26万 | 4.30亿 | | 002948 | 青岛银行 | 4.94 | -0.40% | 23.81万 | 1.18亿 | | 601997 | 贵阳银行 | 6.33 | -0.47% | 38.18万 | 2.43亿 | | 601963 | 重庆银行 | ...

从资金流向上来看，当日城商行板块主力资金净流出3.82亿元，游资资金净流出1.38亿元，散户资金净流 入5.21亿元。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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601009 南京银行 | | 1.35 Z | 15.71% | -1.65 Z | -19.31% | 3077.83万 | 3.60% | | 601665 齐鲁银行 | | 6627.67万 | 10.23% | -4361.83万 | -6.74% | -2265.83万 | -3.50% | | 001227 | 兰州银行 | 965.81万 | 5.77% | -405.00万 | -2.42% | -560.81万 | -3.35% | | 002966 苏州银行 | | 627.64万 | 2.50% | -581.69万 | -2.32% | -45.95万 | -0.18% | | 002936 ...

证券之星消息，8月12日城商行板块较上一交易日上涨0.03%，苏州银行领涨。当日上证指数报收于 3665.92，上涨0.5%。深证成指报收于11351.63，上涨0.53%。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) | | --- | --- | --- | --- | --- | --- | | 002966 | 苏州银行 | 8.63 | 0.94% | 29.67万 | 2.56亿 | | 002142 | 宁波银行 | 28.49 | 0.74% | 17.67万 | = 5.03亿 | | 601963 | 重庆银行 | 10.27 | 0.59% | 1 9.06万 | 9306.64万 | | 002936 | 郑州银行 | 2.10 | 0.48% | 82.44万 | 1.73亿 | | 001227 | 兰州银行 | 2.49 | 0.40% | 60.13万 | 1.50亿 | | 601997 | 贵阳银行 | 6.40 | 0.31% | 32.00万 | 2.05亿 | | 600928 | 西安银行 | 3.88 ...

8月1日，长沙银行进行2021年度分红股权登记，并将于8月2日派发现金红利。至此，今年的上市银 行分红季宣告结束，40家A股上市银行2021年度合计送出逾5400亿元（税前，下同）的现金"红包"，创 下上市银行年度分红的历史新高。 上市银行分红季将结束 由于2021年度业绩大面积增长，加之一以贯之的稳健分红政策，上市银行的分红金额也水涨船高。 根据上市银行披露的分红数据，在全部42家A股上市银行中，有40家银行实施2021年度分红回馈投 资者，这些银行的分红方案全部采用了现金分红方式。 40家上市银行2021年度合计分红金额达到5452.49亿元，较2020年度的分红金额增长11.62%。其 中，6家国有大行合计现金分红额就高达3821.93亿元，在40家上市银行合计分红额的占比超过七成。 长期以来，国有六大行不但年度现金分红额遥遥领先，现金分红比例也多年维持在30%及以上，利 润分配保持良好的连续性和稳定性。 上市银行2021年度分红历时近三个月之久。5月5日，张家港行率先进行了分红派息，开启了上市银 行2021年度分红的大幕。长沙银行作为40家分红银行中的最后一家，将于8月2日实施分红发放。6月份 和7月 ...

General Provisions - The company is established in accordance with the Company Law, Banking Law, and other relevant regulations, with independent legal status and registered in Hunan Province [1][2] - The company was approved by the China Securities Regulatory Commission to issue ordinary shares and listed on the Shanghai Stock Exchange in September 2018 [2] - The company operates under a unified accounting system and follows principles of safety, liquidity, and efficiency [3][4] Business Objectives and Scope - The company's business objective is to actively raise operating funds, focus on efficiency, create value for shareholders, provide quality financial services to clients, and promote social economic development [4][5] - The approved business scope includes accepting public deposits, issuing loans, handling domestic and international settlements, and engaging in various financial services [5][7] Capital and Shares - The initial capital of the company was RMB 4,021,553,754, divided into ordinary shares with a par value of RMB 100 [5][6] - The company issues both ordinary and preferred shares, with preferred shareholders having priority in profit distribution but limited decision-making rights [6][15] Shareholder Rights and Obligations - Ordinary shareholders have rights to participate in meetings, vote, and receive dividends based on their shareholdings [14][15] - Preferred shareholders have rights to receive dividends before ordinary shareholders and have specific voting rights under certain conditions [15][16] - Shareholders must comply with laws and regulations, fulfill capital contribution obligations, and avoid actions that harm the company's interests [18][19] Governance Structure - The company has a board of directors responsible for major decisions, and shareholders can request the board to take legal action if necessary [13][17] - The company holds annual and extraordinary shareholder meetings, with specific procedures for calling these meetings [51][52] Regulatory Compliance - The company must adhere to national financial policies and regulations, and its operations are subject to supervision by banking regulatory authorities [4][16] - Shareholders are required to report significant changes in their shareholdings and comply with regulations regarding share pledges and transfers [19][20]

证券代码：601577 证券简称：长沙银行 编号：2025-039 优先股代码：360038 优先股简称：长银优 1 长沙银行股份有限公司 关于修订公司章程获得核准的公告 特此公告。 长沙银行股份有限公司董事会 2025 年 8 月 12 日 1 本行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。 长沙银行股份有限公司（简称"本行"）第七届董事会第十五次 会议及 2024 年度股东大会审议通过了《关于修订<长沙银行股份有限 公司章程>的议案》，修订后的公司章程详见本行在上海证券交易所 披露的《长沙银行股份有限公司章程》。 近日，本行收到《湖南金融监管局关于长沙银行股份有限公司修 改公司章程的批复》（湘金复〔2025〕182 号），核准本行修改后的 《公司章程》。 ...