12月24日金融一线消息，紫金银行发布公告称，近日，公司收到《江苏金融监管局关于江苏紫金农村商 业银行股份有限公司修改公司章程的批复》（苏金复〔2025〕482 号），核准公司修改后的章程。修改 后的《江苏紫金农村商业银行股份有限公司章程》详见上海证券交易所网站。 自公司章程修改获监管机构核准生效之日起，公司监事会及下设的各专门委员会依法撤销；公司《监事 会议事规则》等监事会相关公司治理文件相应废止；现任监事不再担任公司监事及监事会、监事会专门 委员会相关职务，并确认其与公司无不同意见，亦无任何其他事项需通知公司股东及债权人。 责任编辑：李琳琳 12月24日金融一线消息，紫金银行发布公告称，近日，公司收到《江苏金融监管局关于江苏紫金农村商 业银行股份有限公司修改公司章程的批复》（苏金复〔2025〕482 号），核准公司修改后的章程。修改 后的《江苏紫金农村商业银行股份有限公司章程》详见上海证券交易所网站。 自公司章程修改获监管机构核准生效之日起，公司监事会及下设的各专门委员会依法撤销；公司《监事 会议事规则》等监事会相关公司治理文件相应废止；现任监事不再担任公司监事及监事会、监事会专门 委员会相关职务，并确认 ...

江苏紫金农村商业银行股份有限公司 章程 （2025年12月修订） | 2 | œ | | | --- | --- | --- | | | | A œ | | 第一章 总则 . | | --- | | 第二章 经营宗旨和范围 . 3 | | 第三章 股份 4 | | 第一节 4 股份发行 | | 第二节 5 股份增减与回购 . | | 第三节 股份转让与质押 | | 第四章 股票和股东名册 . | | 第五章 党组织（党委）. | | 第六章 股东和股东会 . | | 第一节 12 股东 . | | 第二节 20 股东会的一般规定 . | | 第三节 2 3 股东会的召集 . | | 第四节 ટ ર 股东会的提案与通知 | | 第五节 股东会的召开 . 27 | | 第六节 股东会的表决与决议 31 | | 3 રે 第七章 董事和董事会 . | | 3 ર 第一节 董事 . | | 第二节 42 独立董事 | | 第三节 48 董事会 …………………………………… | | 第四节 董事会秘书 | | ર 8 第五节 董事会专门委员会 | | 第八章 高级管理层 . | | 第九章 财务会计制度、利润分配和审计 ...

Market Overview - The agricultural commercial bank sector experienced a slight decline of 0.05% on December 24, with Changshu Bank leading the drop [1] - The Shanghai Composite Index closed at 3940.95, up 0.53%, while the Shenzhen Component Index closed at 13486.42, up 0.88% [1] Individual Stock Performance - Jiangyin Bank closed at 4.70, with a gain of 0.64% and a trading volume of 252,600 shares, amounting to 118 million yuan [1] - Zhangjiagang Bank closed at 4.59, up 0.44%, with a trading volume of 232,800 shares, totaling 106 million yuan [1] - Zijin Bank closed at 2.76, gaining 0.36%, with a trading volume of 232,500 shares, amounting to 63.89 million yuan [1] - Qingnong Commercial Bank closed at 3.14, up 0.32%, with a trading volume of 241,600 shares, totaling 7.56 million yuan [1] - Shinan Bank closed at 5.15, gaining 0.19%, with a trading volume of 151,100 shares, amounting to 7.75 million yuan [1] - Wuxi Bank closed at 5.96, up 0.17%, with a trading volume of 93,900 shares, totaling 5.59 million yuan [1] - Yunnan Agricultural Commercial Bank closed at 6.43, gaining 0.16%, with a trading volume of 424,500 shares, amounting to 272 million yuan [1] - Shanghai Agricultural Commercial Bank closed at 9.16, down 0.22%, with a trading volume of 192,800 shares, totaling 177 million yuan [1] - Ruifeng Bank closed at 5.54, down 0.72%, with a trading volume of 121,600 shares, amounting to 6.74 million yuan [1] - Changshu Bank closed at 7.07, down 0.84%, with a trading volume of 363,200 shares, totaling 257 million yuan [1] Fund Flow Analysis - The agricultural commercial bank sector saw a net outflow of 10.80 million yuan from main funds, while speculative funds had a net inflow of 53.25 million yuan, and retail investors experienced a net outflow of 42.45 million yuan [1] - Yunnan Agricultural Commercial Bank had a main fund net inflow of 18.22 million yuan, accounting for 6.69% of its total [2] - Wuxi Bank experienced a main fund net inflow of 1.33 million yuan, representing 2.37% of its total [2] - Zijin Bank had a main fund net inflow of 130,700 yuan, which is 0.20% of its total [2] - Changshu Bank faced a main fund net outflow of 2.10 million yuan, accounting for -0.82% of its total [2] - Jiangyin Bank had a main fund net outflow of 5.73 million yuan, representing -4.84% of its total [2] - Zhangjiagang Bank experienced a main fund net outflow of 6.66 million yuan, accounting for -6.26% of its total [2] - Qingnong Commercial Bank had a significant main fund net outflow of 9.53 million yuan, representing -12.61% of its total [2]

Quantitative Models and Construction Methods 1. Model Name: Large Order Transaction Amount Ratio - **Model Construction Idea**: This model tracks the buying behavior of large funds by calculating the proportion of large order transaction amounts to the total daily transaction amount[7] - **Model Construction Process**: 1. Use tick-by-tick transaction data to identify buy and sell orders based on bid and ask sequence numbers 2. Filter transactions by order size to identify large orders 3. Calculate the ratio of large buy order transaction amounts to the total daily transaction amount - Formula: $ \text{Large Order Transaction Amount Ratio} = \frac{\text{Large Buy Order Transaction Amount}}{\text{Total Daily Transaction Amount}} $ - **Model Evaluation**: This indicator effectively captures the buying behavior of large funds[7] 2. Model Name: Net Active Buy Amount Ratio - **Model Construction Idea**: This model measures the active buying behavior of investors by calculating the net active buy amount as a proportion of the total daily transaction amount[7] - **Model Construction Process**: 1. Use tick-by-tick transaction data to classify each transaction as either active buy or active sell based on the buy/sell flag 2. Calculate the net active buy amount by subtracting the active sell amount from the active buy amount 3. Compute the ratio of the net active buy amount to the total daily transaction amount - Formula: $ \text{Net Active Buy Amount Ratio} = \frac{\text{Active Buy Amount} - \text{Active Sell Amount}}{\text{Total Daily Transaction Amount}} $ - **Model Evaluation**: This indicator effectively captures the active buying behavior of investors[7] --- Model Backtesting Results 1. Large Order Transaction Amount Ratio - **Top 10 Stocks by 5-Day Average**: - **East Securities (601198.SH)**: 88.1%, 99.6% time-series percentile[9] - **Shanghai Kaibao (300039.SZ)**: 86.3%, 100.0% time-series percentile[9] - **Sanxiang Impression (000863.SZ)**: 86.0%, 99.6% time-series percentile[9] - **Chongqing Steel (601005.SH)**: 86.0%, 78.7% time-series percentile[9] - **Jinzhengda (002470.SZ)**: 85.7%, 89.8% time-series percentile[9] - **Wanlong Optoelectronics (300710.SZ)**: 85.6%, 99.6% time-series percentile[9] - **Yasheng Group (600108.SH)**: 85.5%, 84.4% time-series percentile[9] - **Sinochem International (600500.SH)**: 85.5%, 90.4% time-series percentile[9] - **Chongqing Water (601158.SH)**: 85.2%, 96.7% time-series percentile[9] 2. Net Active Buy Amount Ratio - **Top 10 Stocks by 5-Day Average**: - **Jiuhua Tourism (603199.SH)**: 26.2%, 100.0% time-series percentile[10] - **Bailong Oriental (601339.SH)**: 22.9%, 100.0% time-series percentile[10] - **Zijin Bank (601860.SH)**: 20.2%, 100.0% time-series percentile[10] - **Bailong Chuangyuan (605016.SH)**: 19.5%, 100.0% time-series percentile[10] - **Hengshun Vinegar (600305.SH)**: 17.8%, 100.0% time-series percentile[10] - **Qingfangcheng (600790.SH)**: 17.7%, 99.6% time-series percentile[10] - **Shandong Steel (600022.SH)**: 17.7%, 99.6% time-series percentile[10] - **Shengda Forestry (002259.SZ)**: 17.5%, 100.0% time-series percentile[10] - **Taoli Bread (603866.SH)**: 17.2%, 100.0% time-series percentile[10] - **Jiangsu Sopo (600746.SH)**: 16.8%, 100.0% time-series percentile[10] 3. Broad-Based Indices - **5-Day Average Results**: - **Shanghai Composite Index**: Large Order Ratio 73.7% (82.0% percentile), Net Active Buy Ratio 2.2% (3.7% percentile)[12] - **SSE 50**: Large Order Ratio 71.7% (58.2% percentile), Net Active Buy Ratio 5.8% (92.6% percentile)[12] - **CSI 300**: Large Order Ratio 73.0% (41.0% percentile), Net Active Buy Ratio 2.9% (20.9% percentile)[12] - **CSI 500**: Large Order Ratio 73.8% (86.9% percentile), Net Active Buy Ratio 1.5% (3.3% percentile)[12] - **ChiNext Index**: Large Order Ratio 70.5% (6.1% percentile), Net Active Buy Ratio 0.1% (14.8% percentile)[12] 4. Industry-Level Analysis - **Top Industries by 5-Day Average**: - **Steel**: Large Order Ratio 79.0% (79.1% percentile), Net Active Buy Ratio 12.7% (0.8% percentile)[13] - **Agriculture, Forestry, Animal Husbandry, and Fishery**: Large Order Ratio 77.1% (87.7% percentile), Net Active Buy Ratio 10.8% (3.3% percentile)[13] - **Food and Beverage**: Large Order Ratio 71.5% (95.5% percentile), Net Active Buy Ratio 10.1% (32.8% percentile)[13] - **Real Estate**: Large Order Ratio 78.7% (70.9% percentile), Net Active Buy Ratio 8.8% (9.8% percentile)[13] - **Consumer Services**: Large Order Ratio 75.8% (32.4% percentile), Net Active Buy Ratio 8.9% (13.9% percentile)[13] 5. ETF Analysis - **Top 10 ETFs by Large Order Ratio**: - **Haifutong Shanghai Urban Investment Bond ETF (511220.SH)**: 93.4%, 63.5% percentile[15] - **Fortune Military Industry ETF (512710.SH)**: 92.1%, 100.0% percentile[15] - **Guotai CSI A500 ETF (159338.SZ)**: 91.5%, 19.7% percentile[15] - **Guotai 10-Year Treasury ETF (511260.SH)**: 91.5%, 91.8% percentile[15] - **Penghua National Defense ETF (512670.SH)**: 90.7%, 99.6% percentile[15] - **Top 10 ETFs by Net Active Buy Ratio**: - **Huaxia Food and Beverage ETF (515170.SH)**: 18.2%, 99.6% percentile[16] - **Yinhua 5G Communication ETF (159994.SZ)**: 16.7%, 100.0% percentile[16] - **E Fund CSI 300 Non-Bank ETF (512070.SH)**: 16.0%, 95.9% percentile[16] - **Huatai-PineBridge Dividend Low Volatility ETF (512890.SH)**: 15.7%, 94.3% percentile[16] - **Fortune Agriculture ETF (159825.SZ)**: 15.2%, 96.7% percentile[16]

Core Viewpoint - The rural commercial bank sector experienced a decline of 1.18% on December 22, with Yunnan Rural Commercial Bank leading the drop [1] Group 1: Market Performance - The Shanghai Composite Index closed at 3917.36, up by 0.69% [1] - The Shenzhen Component Index closed at 13332.73, up by 1.47% [1] - The rural commercial bank sector saw mixed individual stock performances, with notable declines in several banks [1] Group 2: Individual Stock Performance - Wuxi Bank (600908) had a closing price of 5.96, down by 1.32%, with a trading volume of 141,500 shares and a transaction amount of 84.89 million [1] - Changshu Bank (601128) closed at 7.16, down by 1.10%, with a trading volume of 259,900 shares and a transaction amount of 187 million [1] - Yunnan Rural Commercial Bank (601077) closed at 6.36, down by 2.15%, with a trading volume of 418,000 shares and a transaction amount of 267 million [1] Group 3: Capital Flow - The rural commercial bank sector had a net inflow of 19.98 million from main funds, while retail investors saw a net outflow of 44.62 million [1] - Individual stocks within the sector showed varied capital flows, with some banks experiencing significant net outflows from retail investors [2]

一直以来，紫金农商银行在ESG体系框架下，以公司治理为核心，加强顶层设计，不断建立和完善内部 ESG组织架构和相关制度体系，更精准地回应利益相关方在环境、社会和公司治理方面的各种关切。同 时，秉持"同分享·共成长"的发展理念，坚持"服务三农、服务中小、服务城乡"的市场定位，依托自身 的区位、网点、客户等资源优势，服务实体经济，助力普惠金融，夯实风险防控，落实人本要求，推行 绿色运营管理，全面推进经济、社会和环境的协调发展。 近日，在南京新华报业传媒集团主办的第五届江苏资本市场峰会上，紫金农商银行凭借在环境、社会和 治理（ESG）方面的卓越表现荣获"ESG金茉莉奖"，这也是该行连续四年获此殊荣。 "ESG金茉莉奖"旨在表彰上市公司在ESG治理理念、发展战略、基本架构、核心指标、运作框架、风险 框架、实质性分析框架、沟通机制等方面的突出表现，根据大数据监测分析，经江苏资本市场峰会组委 会遴选并认定。 此次获奖，是对紫金农商银行ESG工作的充分肯定。今后，该行将继续秉承可持续发展战略，积极履行 社会责任，不断增强ESG治理成效，为经济社会高质量发展贡献紫金力量。吴亭 ...

Core Viewpoint - Zijin Bank focuses on optimizing its credit structure by aligning loan issuance with the financial "five major articles," emphasizing support for small and micro enterprises and enhancing service quality for the real economy [1] Group 1: Loan Strategy - The company is concentrating its loan issuance on key areas such as technology finance, green finance, inclusive finance, pension finance, and digital finance [1] - Zijin Bank aims to continuously improve its support for inclusive small and micro customers, reinforcing its commitment to the real economy [1] Group 2: Service Quality - The bank is dedicated to providing high-quality financial services that contribute to local economic and social development [1]

Group 1 - The agricultural commercial bank sector increased by 2.0% on December 18, with Chongqing Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3876.37, up 0.16%, while the Shenzhen Component Index closed at 13053.98, down 1.29% [1] - Key stocks in the agricultural commercial bank sector showed various performance metrics, with Chongqing Rural Commercial Bank closing at 6.45, up 3.20% [1] Group 2 - The net capital flow for the agricultural commercial bank sector showed a net outflow of 12.09 million yuan from institutional investors and 10.73 million yuan from speculative investors, while retail investors had a net inflow of 22.82 million yuan [1] - Detailed capital flow data indicates that Chongqing Rural Commercial Bank had a net inflow of 17.10 million yuan from institutional investors, but a net outflow of 17.70 million yuan from retail investors [2] - Jiangyin Bank experienced a net inflow of 9.28 million yuan from institutional investors, while retail investors contributed a net inflow of 1.45 million yuan [2]

证券日报网讯12月16日，紫金银行（601860）在互动平台回答投资者提问时表示，根据2025年第三季度 报告，截至2025年9月30日，股东总数为63025户。 ...

赋能乡村产业发展 紫金农商银行瞄准"三农"领域核心需求，精准发力。深耕主体，全面走访。对省农业农村厅下发的3289 户苏农贷新型农业经营主体及26.6万农户进行"地毯式"走访，实现全覆盖，精准掌握需求。积极参 与"科金兴农"对接活动，打造全产业链服务模式，已对260户产业链企业授信，放贷6.8亿元。力挺项 目，夯实根基。积极对接南京市重大农业农村项目，投放贷款4.2亿元。支持基本农田和高标准农田建 设，发放贷款2.2亿元，筑牢粮食生产根基。围绕春耕备耕、"三夏"等关键农时，投放2.4亿元贷款，保 障粮食生产信贷需求强化与种业企业合作，种业贷款余额1亿元，助力种业高质量发展。 多元服务提质效， 提升乡村幸福指数 作为扎根地方的金融主力军，紫金农商银行始终将服务"三农"作为立行之本、发展之基，以金融活水精 准浇灌广袤乡村。截至2025年9月，该行普惠型涉农贷款余额达36.59亿元，较年初增长2.11亿元，增速 达6.12%，高于全行贷款平均增速，交出了一份助力乡村振兴的亮眼答卷。 构筑高效服务链， 疏通"三农"融资血脉 为打通金融服务"三农"的"最后一公里"，紫金农商银行着力构建高效、便捷的服务体系。专设机构，精 ...