格隆汇2月4日丨紫金银行(601860.SH)公布， 近日，公司召开第五届第一次职工代表大会，选举李晓宇 先生为公司第五届董事会职工董事，其董事任职资格自国家金融监督管理总局江苏监管局核准后生效， 任期自监管机构核准其任职资格之日起至第五届董事会届满之日止。 ...

特此公告。 附件： 江苏紫金农村商业银行股份有限公司 江苏紫金农村商业银行股份有限公司董事会 2026 年 2 月 4 日 关于选举职工董事的公告 1 本公司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个别及连带责任。 证券代码： 601860 证券简称： 紫金银行 公告编号：2026-005 可转债代码：113037 可转债简称：紫银转债 近日，江苏紫金农村商业银行股份有限公司（以下简称"公司"）召开第五 届第一次职工代表大会，选举李晓宇先生（简历详见附件）为公司第五届董事会 职工董事，其董事任职资格自国家金融监督管理总局江苏监管局核准后生效，任 期自监管机构核准其任职资格之日起至第五届董事会届满之日止。 李晓宇先生简历 李晓宇，男，1986年10月出生，中共党员，硕士研究生学历。曾任紫金农商 银行泰山支行客户经理，党委办公室/党群工作部办事员、中心经理、副总经理， 总行营业部副总经理。现任总行营业部总经理。 2 ...

Core Viewpoint - The A-share banking sector has experienced a significant decline of 5.8% year-to-date, contrasting with a 1.1% increase in H-share Chinese banks, indicating a divergence in market performance [1] Group 1: Market Performance - The banking sector's performance has been weak, ranking last among 35 industries in the Wind secondary industry classification [1] - Despite the overall downturn, certain banks like Qingdao Bank and Ningbo Bank have shown strong performance, with increases of 19.87% and 9.29% respectively in January [2] - The average dividend yield for A-share banks remains at approximately 4.5%, which is higher than the 0.5%-2.0% returns of various risk-free assets, making bank stocks attractive for long-term investors [3] Group 2: Fund Flow and Market Sentiment - Since October 2025, there has been a cautious approach from funds towards the banking sector, leading to a period of consolidation [5] - Significant outflows have been recorded, with estimates showing that around 10% of the trading volume has been affected by net outflows from bank-related ETFs, totaling approximately 9111 billion yuan [6] - Despite short-term pressures, there is a belief that the fundamentals of the banking sector are improving, as indicated by increased institutional interest in bank credit issuance [6][9] Group 3: Long-term Opportunities - The banking sector is expected to see internal differentiation, with regional banks like Qingdao Bank and Ningbo Bank performing well against the backdrop of overall sector weakness [7] - Analysts predict that Qingdao Bank will maintain double-digit profit growth in 2026, supported by strong loan issuance capabilities and stable asset quality [8] - The demand for high-dividend assets remains strong, with expectations that insurance funds will inject over 2 trillion yuan into the market in 2026, further supporting bank stocks [9][10] Group 4: Investment Strategies - The current market adjustment reflects short-term fund disturbances, but the long-term outlook remains positive due to improving fundamentals [9] - Institutions are focusing on banks with strong asset quality and those that are improving their cost of liabilities and non-interest income [10] - The banking sector is anticipated to benefit from a stable dividend profile and recovery trading logic, especially as credit issuance continues to grow [10]

Core Viewpoint - The agricultural commercial bank sector experienced a decline of 1.13% on February 3, with the Shanghai Agricultural Commercial Bank leading the drop, while the overall Shanghai Composite Index rose by 1.29% [1] Group 1: Market Performance - The Shanghai Composite Index closed at 4067.74, up 1.29%, and the Shenzhen Component Index closed at 14127.1, up 2.19% [1] - The agricultural commercial bank sector saw various individual stock performances, with notable declines in several banks, including Jiangyin Bank and Zhangjiagang Bank, both down by 0.88% [1] Group 2: Trading Volume and Capital Flow - The total trading volume for the agricultural commercial bank sector was significant, with the highest trading volume recorded for Qingnong Bank at 895,900 shares and a total transaction value of 274 million yuan [1] - The sector experienced a net inflow of 77.82 million yuan from institutional investors, while retail investors saw a net outflow of 106 million yuan [1] Group 3: Individual Stock Analysis - Yunnan Agricultural Commercial Bank had a net inflow of 32.1 million yuan from institutional investors, but a net outflow of 18.46 million yuan from retail investors [2] - Changshu Bank also saw a net inflow of 23.19 million yuan from institutional investors, with retail investors withdrawing 10.73 million yuan [2] - Su Nong Bank had a net inflow of 15.3 million yuan from institutional investors, but a significant net outflow of 20.84 million yuan from retail investors [2]

Core Viewpoint - The article highlights the ongoing institutional research on listed banks in January, focusing on credit issuance, net interest margin, asset quality trends, and bond investment strategies during the peak marketing season [1][2][7]. Group 1: Institutional Research and Credit Issuance - A total of 373 institutions conducted research on 11 A-share listed banks, with 49 research instances recorded by January 31 [1][7]. - The banks under review include Nanjing Bank, Ningbo Bank, Shanghai Bank, and others, with Nanjing Bank being the most favored, receiving 76 institutional inquiries [2][8]. - Institutions are particularly focused on credit issuance during the marketing peak, with many banks reporting better performance compared to the same period in 2025 [2][8]. - Key areas for credit issuance include manufacturing, infrastructure construction, and green low-carbon transformation projects [3][9]. Group 2: Net Interest Margin Stability - Net interest margin (NIM) is a critical indicator of banking performance, with banks focusing on stabilizing NIM through asset and liability management [4][11]. - Shanghai Bank anticipates a slight decline in NIM due to the expected decrease in loan market quotation rates (LPR) and competitive pressures on deposit pricing [11][12]. - Qilu Bank is optimizing its asset portfolio and enhancing low-cost deposit acquisition to stabilize NIM [11][12]. Group 3: Bond Investment Strategies - The bond market has been volatile since 2025, affecting the bond investment returns of regional small and medium-sized banks [6][12]. - Shanghai Bank expects bond rates to remain in a fluctuating range in 2026, with limited potential for a trend reversal [6][13]. - Hu Nong Bank plans to focus on bond investment for asset allocation while employing risk management strategies, including the use of derivatives [6][13]. Group 4: Asset Quality Management - Banks are implementing measures to maintain stable asset quality, including improving the quality of new loans and increasing efforts to manage non-performing loans [6][13].

Group 1 - In January, 11 A-share listed banks were surveyed by 373 institutions, with a total of 49 survey instances, focusing on credit issuance, net interest margin, asset quality trends, and bond investment strategies during the peak marketing season [1] - The surveyed banks include Nanjing Bank, Ningbo Bank, Shanghai Bank, Hangzhou Bank, Suzhou Bank, Qingdao Bank, Qilu Bank, Xiamen Bank, Hu Nong Bank, Qing Nong Bank, and Zijin Bank, with six banks experiencing stock price increases, led by Qingdao Bank with over 16% growth [2] - Nanjing Bank was the most favored by institutions, receiving 76 surveys, while Shanghai Bank received 75 surveys, indicating strong interest in their credit issuance during the marketing peak [2] Group 2 - The focus of the credit issuance during the peak marketing season is on corporate credit, with banks reporting better performance compared to the same period in 2025, emphasizing manufacturing, infrastructure, and green transformation projects [2][3] - Shanghai Bank anticipates a continued decline in the Loan Prime Rate (LPR) in 2026, which may lead to a slight decrease in net interest margin due to competitive market factors [4] - Qilu Bank aims to stabilize its net interest margin by optimizing asset management and expanding low-cost deposits while managing liabilities effectively [4] Group 3 - The overall pressure on net interest margin for listed banks is expected to ease in 2026, with a narrowing decline anticipated, supported by improvements in funding costs [5] - Shanghai Bank predicts that bond yields will continue to fluctuate within a range in 2026, with low likelihood of a trend reversal [5] - Hu Nong Bank plans to focus on bond investments primarily for allocation, while also employing advanced technologies for trading and risk management [6]

证券之星消息，2月2日农商行板块较上一交易日下跌1.94%，沪农商行领跌。当日上证指数报收于 4015.75，下跌2.48%。深证成指报收于13824.35，下跌2.69%。农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) | | | --- | --- | --- | --- | --- | --- | --- | | 601860 | 紫金银行 | 2.79 | -0.71% | 46.93万 | | 1.32 Z | | 002807 | 江阴银行 | 4.53 | -0.88% | 44.60万 | | 2.04亿 | | 002839 | 张家港行 | 4.53 | -0.88% | 31.55万 | | 1.44亿 | | 601528 | 瑞丰银行 | 5.40 | -0.92% | 19.41万 | | 1.06亿 | | 603323 | 苏农银行 | 4.97 | -1.00% | 29.89万 | | 1.50亿 | | 601128 | 常熟银行 | 7.22 | -1.10% | 46.60万 | | 3.40亿 | | 60 ...

Core Viewpoint - Zijin Bank (601860) emphasizes its commitment to supporting agriculture and small enterprises, focusing on a "small and scattered" strategy to enhance its service offerings and market reach [1] Group 1: Strategic Focus - The company is deepening its engagement with the "three rural" sectors, targeting small and micro enterprises, individual businesses, and new agricultural operators through a structured marketing approach [1] - Zijin Bank is enhancing its regional industry research and analysis capabilities to better integrate business development with local特色产业, thereby building differentiated advantages [1] - The bank is aligning its services with policy directions, actively engaging with small and micro enterprises in high-tech, green low-carbon industries, and advanced manufacturing clusters to innovate product and service models [1] Group 2: Financial Services Expansion - Zijin Bank is accelerating its supply chain finance initiatives by leveraging core enterprises to create a chain-based referral platform, providing comprehensive services such as financing, settlement, and wealth management to upstream and downstream small and micro clients [1]

Core Insights - The bank emphasizes the integration of financial services with ecological public welfare, showcasing its commitment to environmental protection through innovative initiatives [1][2] Group 1: Brand Innovation and Financial Empowerment - The bank has launched unique "Smiling Yangtze River Dolphin" themed debit and credit cards, establishing a long-term mechanism where customers donate 0.01 yuan to the dolphin protection fund for every 10 yuan spent, resulting in over 20,000 customers participating and donating more than 50,000 yuan [1] - A themed hall dedicated to the Yangtze River dolphin has been created, featuring a science popularization display area, attracting over 80,000 visitors [1] Group 2: Community Engagement and Activities - The bank has organized over 30 family-oriented events under the "Big Hand Holding Small Hand: Together Protect the Smiling Dolphin" initiative, engaging more than 500 families [1] - Collaborating with the Nanjing Yangtze River Dolphin Conservation Association, the bank has conducted 26 specialized actions including dolphin observation and knowledge dissemination, while forming a volunteer service team to assist in population monitoring [1] - Educational outreach has reached over 6,000 people through science popularization lectures in 15 schools and 10 communities [1] Group 3: Volunteer Efforts and Ecological Impact - The bank has organized over 40 volunteer activities focused on cleaning the Yangtze River shoreline and planting greenery, with more than 1,800 volunteers participating, resulting in the removal of 3.2 tons of garbage and the planting of over 500 protective plants [2] - The water quality of the Nanjing section of the Yangtze River has improved, and the frequency of dolphin sightings has significantly increased, demonstrating the effectiveness of the bank's unique practices in promoting environmental protection [2]

Group 1 - The agricultural commercial bank sector increased by 2.37% on January 29, with Chongqing Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 4157.98, up 0.16%, while the Shenzhen Component Index closed at 14300.08, down 0.3% [1] - Major stocks in the agricultural commercial bank sector showed varying performance, with Chongqing Rural Commercial Bank closing at 6.47, up 4.19% [1] Group 2 - The net inflow of main funds in the agricultural commercial bank sector was 67.54 million yuan, while retail funds saw a net inflow of 44.49 million yuan [1] - The table of fund flows indicates that the main funds had a negative net flow in several banks, including Shanghai Rural Commercial Bank and Jiangyin Bank [2] - Retail investors showed a positive net flow in several banks, including Jiangyin Bank and Su Nong Bank, despite some negative flows in other banks [2]