证券之星消息，8月8日农商行板块较上一交易日下跌0.47%，常熟银行领跌。当日上证指数报收于 3635.13，下跌0.12%。深证成指报收于11128.67，下跌0.26%。农商行板块个股涨跌见下表： | 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 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601128 | 常熟银行 | -3692.94万 | 8.38% | -1271.04万 | -2.88% | -2421.90万 | -5.49% | | 601528 瑞丰银行 | | 1099.03万 | 14.81% | -503.96万 | -6.79% | -595.08万 | -8.02% | | 603323 | 苏农银行 | 709.54万 | 7.48% | -764.26万 | -8.06% | 54.72万 | 0.58% | | 002839 张家港行 | | 62.66万 | 0.48% | -366.83万 | -2.80% | 304. ...

Core Viewpoint - The banking industry is undergoing a significant transformation in its mobile applications, with many banks opting to integrate or discontinue their apps to enhance efficiency and user experience [1][2][4]. Group 1: Current Trends in Banking Apps - Zhuhai China Resources Bank announced that its "Run Wallet App" will cease operations on October 15, 2025, with functionalities migrating to the China Resources Bank App [1]. - A trend of "thinning" is observed in the banking app sector, with multiple banks consolidating or shutting down their apps, particularly in credit card and direct banking services [2]. - The closure and integration of apps reflect the challenges and strategies banks face during digital transformation, including cost reduction, efficiency improvement, and market competition [1][2]. Group 2: Operational Insights - Each banking app requires significant investment in human resources, technology, and funding, making independent apps less viable as new credit card user growth stagnates [2]. - Consolidating apps allows banks to focus resources on core business areas, enhancing overall operational efficiency, aligning with current financial regulatory policies [2][3]. Group 3: User Experience and Future Directions - The integration of apps is expected to improve user experience by providing a one-stop service for various financial needs, reducing the complexity of managing multiple apps [3][4]. - Future banking apps are anticipated to leverage advanced technologies like big data and artificial intelligence to offer personalized financial solutions and enhance user experience [4][5]. - The trend indicates a shift towards ecological, intelligent, and differentiated banking apps, moving beyond traditional functions to create a "life + finance" ecosystem [5].

Core Viewpoint - Shanghai Rural Commercial Bank has developed a "2025 Service Plan for Private Enterprises" to address the challenges faced by private enterprises, focusing on enhancing financing support, strengthening service for key private clients, and deepening comprehensive services for private enterprises [1] Financing Support for Private Enterprises - The bank aims to increase credit support for private enterprises, implementing policies to encourage first-time loans and credit loans, resulting in over 500 billion yuan in loans to private enterprises in Q1 2025, including over 70 billion yuan for first-time borrowers [3] - The bank has issued nearly 130 billion yuan in seamless renewal loans in Q1 2025, with over 60 billion yuan allocated to small and micro enterprises, marking a nearly 60% increase year-on-year [3][4] Service for Key Private Client Groups - The bank has provided loan services to over 4,000 technology-oriented private enterprises, with a loan balance of nearly 80 billion yuan as of March 2025, and has also supported over 850 billion yuan in loans for inclusive private enterprises [5] - For green and low-carbon private enterprises, the bank has supported over 780 enterprises in green development, with a green credit balance of 28 billion yuan [6] Comprehensive Services for Private Enterprises - Shanghai Rural Commercial Bank emphasizes a holistic approach to support private enterprises, offering services beyond traditional finance, including investment services, listing guidance, and transaction banking services [7] - The bank has served over 200 A-share listed private enterprises and has a total credit scale exceeding 180 billion yuan for various industry associations as of March 2025 [7][8]

在科技创新的浪潮中，上海农商银行始终秉持"科创更前、科技更全、科研更先"的理念，坚持"向 早、向小、向硬"。5月9日，该行作为主承销商之一，为上海新微科技集团有限公司（以下简称"新微集 团"）成功发行2025年度第一期科技创新债券，募集资金2亿元，期限3年，票面利率2.37%，募集资金 全部用于科创企业股权直投。该项目为科技创新债券政策推出后的全国首批项目之一，同时也是上海地 区首只纳入创新试点的科技创新债券。 新微集团扎根集成电路领域，已形成从集成电路材料、设备、FAB到先进封测及应用的完整集成电 路制造产业链条，新微体系投资企业达150余家，国家级专精特新小巨人企业40家，省级专精特新企业 26家，上市企业17家。本次科技创新债券募集资金将通过股权直投的方式全额用于科技创新领域，助 力半导体产业创新链、产业链、资金链、人才链的协同发展，有效突破科技型企业股权性质融资瓶颈， 有效赋能科技型企业。 上海农商银行作为新微集团的首批授信行，自2016年建立信贷合作关系以来，不断帮助新微集团 探索创新表内外融资工具。2021年在新微集团尚无主体评级的背景下，主承并投资其首单债权融资计 划；2023年为企业承销科创票 ...

Group 1 - The article emphasizes the importance of technological innovation as a core driver for economic development and social progress, particularly in the context of global technological competition [1] - The "Chuang·Zai Shanghai" International Innovation and Entrepreneurship Competition has been a significant platform for nurturing technology-driven enterprises in Shanghai, contributing to the city's technological development over the past decade [1] - Shanghai Rural Commercial Bank has been focusing on technology finance since 2009, aiming to support early-stage technology companies and enhance their innovation capabilities through tailored financial products [1][4] Group 2 - MO Company, established in 2018, is a leading provider of optoelectronic chip solutions in China and won a top 20 award at the 2024 "Chuang·Zai Shanghai" competition, highlighting its innovative technology [2] - Facing increased funding needs due to project delivery pressures, MO Company received a loan of 6 million yuan from Shanghai Rural Commercial Bank, which helped alleviate its cash flow issues and ensured project continuity [2] - FT Company, also a winner in the competition, specializes in chip optoelectronic equipment production and received a credit line of 15 million yuan from Shanghai Rural Commercial Bank to optimize its funding structure [3] Group 3 - Shanghai Rural Commercial Bank plans to continue enhancing its collaboration with the Shanghai Science and Technology Entrepreneurship Center to upgrade financial empowerment for technology enterprises [4] - The bank aims to innovate its service mechanisms to provide precise financial support to technology companies, facilitating the transformation of technological achievements into new productive forces [4]

7月7日，新京报贝壳财经记者采访了上海农商银行总部工作人员。工作人员告诉记者，主要还是陆 先生无法说清楚如此数量巨大的残缺污损人民币到底来自何处？银行有义务查清资金来源以防止洗钱活 动。根据《中华人民共和国反洗钱法》，金融机构需建立反洗钱内部控制制度，对客户资金来源进行尽 职调查并报告可疑交易。而陆先生提供的一张所谓的公司证明其"发黑"的硬币来自某生活垃圾焚烧发电 厂，但单位名称是被隐去的，并未告知银行具体的公司名称和联系人，银行无法核实钱币来源进行背 调。 新京报贝壳财经讯（记者俞金旻）近日，网友陆先生向贝壳财经记者反映，他带着140多斤1角硬币 前往上海农商银行兑换，却被网点支行拒收。他质疑银行的做法违反了《中国人民银行残缺污损人民币 兑换办法》。 7月3日，陆先生带着一麻袋1角硬币来到上海农商银行总行营业部"讨说法"，工作人员仍拒绝兑 换，也未给出理由。贝壳财经记者了解到，陆先生带去的这袋硬币共有20000多枚，总达140多斤，金额 为2000多元。 7月3日，陆先生在上海农商银行总部大厅休息区清点残缺污损人民币。受访者供图 当问及硬币的来源，陆先生陈述，其从事烟酒礼品回收生意，此次携带的硬币系某生活垃 ...

Core Viewpoint - Shanghai Rural Commercial Bank addressed concerns regarding the refusal to exchange damaged coins, stating that the bank recommends customers to visit authorized banks for such exchanges to improve efficiency and accuracy [1] Group 1: Customer Interaction - The bank reported that a customer attempted to exchange over 20,000 coins weighing more than 140 pounds, amounting to over 2,000 yuan, which were primarily from a waste incineration plant and mostly burned black but not defective [1] - Despite multiple discussions, the customer refused to go to the recommended bank locations for the exchange [1] Group 2: Bank's Response - The bank has arranged for a dedicated staff member to handle the exchange of qualifying coins in accordance with the People's Bank of China's regulations on damaged currency [1] - The bank also offered transportation assistance for customers who have difficulty traveling to authorized exchange locations [1]

Group 1 - The first China (Shanghai) Innovation Practice Case Release Conference was held on July 25, showcasing 60 exemplary cases that highlight Shanghai's efforts in creating a market-oriented, law-based, and international first-class business environment [1] - Shanghai Rural Commercial Bank's case titled "Electronic Certificate Empowering 'Zero Movement', Accelerating Business Services" was awarded as an "Excellent Innovation Practice Case" [1] - Since 2018, Shanghai has continuously updated its "Shanghai Optimization of Business Environment Action Plan" for eight consecutive years, demonstrating a commitment to improving the business environment [1] Group 2 - Shanghai Rural Commercial Bank has taken on social responsibility by focusing on customer-centric services and digital transformation, exploring new paths for financial services to optimize the business environment [1] - The bank has innovatively applied digital business licenses and electronic seals in various financial service scenarios, significantly reducing the burden on customers by streamlining processes and minimizing the need for physical documents [1] - The application of electronic business licenses and seals represents an innovative exploration in the bank's digital transformation within the inclusive finance sector, embodying the service principle of "more data movement, less customer movement" [1] Group 3 - The awarded case reflects Shanghai Rural Commercial Bank's proactive innovation and value creation for customers, with a commitment to continue enhancing the depth and breadth of "electronic certificates + financial services" [2] - The bank aims to deepen the integration of digital finance and government services, contributing to the establishment of an open, inclusive, and smart business ecosystem in Shanghai [2] - The case collection activity was guided by the Shanghai Municipal Development and Reform Commission and organized by various media and economic information agencies, resulting in over 440 submissions and the selection of top innovative practice cases [2]

Core Insights - Shanghai Rural Commercial Bank has successfully issued the first structured deposit product in the country linked to the daily temperature index of the Yangtze River Delta, raising a total of 50 million yuan [1] - The issuance aligns with national policies aimed at enhancing the collaboration between meteorology and finance, supporting high-quality financial development [1] - The structured deposit product features a bullish three-tier option structure, where potential returns increase with rising temperature indices, addressing risks posed by extreme weather, particularly for agricultural sectors [1] Group 1 - The product is a response to the national dual carbon strategy and leverages the bank's experience in the agricultural sector to innovate in green finance [2] - Shanghai Rural Commercial Bank plans to continue developing market-oriented products with a focus on green finance and agricultural characteristics to support the construction of a strong financial nation [2]

另外，上海农商银行还积极加入ESG领域国际高水平组织、参与ESG相关标准的制定以及试点工 作，为行业ESG水平总体提升发挥引领示范作用。作为上海首家PRB成员机构，该行曾受邀参加联合国 环境规划署金融倡议（UNEP FI）全球圆桌论坛并作主题分享。今年3月，该行成为中国供应商ESG评 级平台发起单位中的首家银行，助力中国可持续供应链生态建设。在2024年度ESG报告中，该行首次引 入双重重要性议题评估，按照四支柱方式详尽披露了"应对气候变化""消费者权益保护""信息安全和隐 私保护""人力资本发展"等7个双重重要性议题，为资本市场提供了鲜活样例。 下阶段，上海农商银行将继续强化ESG管理，打造长三角最具绿色底色银行，推动可持续、高质量 发展，为培育新质生产力、建设美丽中国贡献金融力量。 （责任编辑：田云绯） 上海农商银行充分认识到践行ESG理念对自身增强核心功能、提升核心竞争力、推动高质量发展的 战略意义，围绕"打造ESG管理的示范银行"战略目标，将ESG理念全面融入发展战略与主业经营，扎实 履行社会责任。完善ESG顶层设计，董事会战略与可持续发展委员会全面领导、统筹协调全行可持续发 展推进工作，设立ESG工 ...