Market Performance - The banking sector saw a decline of 1.16% on January 8, with Pudong Development Bank leading the drop [1] - The Shanghai Composite Index closed at 4082.98, down 0.07%, while the Shenzhen Component Index closed at 13959.48, down 0.51% [1] Individual Bank Performance - CITIC Bank closed at 7.41, with a slight increase of 0.14%, while other banks like Zhejiang Commercial Bank and Minsheng Bank experienced declines of 0.33% and 0.52% respectively [1] - The largest decline was seen in Pudong Development Bank, which fell by 2.12% to close at 11.54 [1] Trading Volume and Capital Flow - The banking sector experienced a net outflow of 674 million yuan from main funds, while retail investors saw a net inflow of 313 million yuan [1] - The trading volume for CITIC Bank was 688,900 shares, with a transaction value of 507 million yuan, while the total transaction value for the banking sector was significant [1] Capital Inflow Analysis - Industrial Bank had a net inflow of 67.52 million yuan from main funds, but also saw a net outflow from retail investors of 63.06 million yuan [2] - Huaxia Bank experienced a substantial net outflow of 89.46 million yuan from main funds, despite a net inflow of 66.32 million yuan from speculative funds [2]

Core Viewpoint - The article emphasizes the importance of "stabilizing foreign trade and foreign investment" as a crucial support for economic stability, highlighting Zhejiang Commercial Bank's proactive approach in aligning with national strategies to enhance international circulation and promote trade innovation [1][4]. Group 1: Cross-Border Financial Services - Zhejiang Commercial Bank has introduced five innovative cross-border financial services, including global accounts and settlement, integrated liquidity financing, one-stop investment and financing services, immersive foreign exchange trading, and scenario-based foreign trade services, to support foreign trade enterprises in international markets [1][8]. - During the 14th Five-Year Plan period, the bank provided over $17,000 billion in cross-border settlement services and over $7,000 billion in exchange rate hedging services, along with a cross-border financing balance exceeding 150 billion yuan [3]. Group 2: Addressing Challenges for SMEs - A survey indicated that small and medium-sized foreign trade enterprises are increasingly seeking efficient and low-cost payment settlement processes due to frequent export trade transactions, particularly in new foreign trade models involving numerous small transactions [3]. - The bank has responded to the needs of enterprises expanding into emerging markets like ASEAN, the Middle East, and Africa by launching innovative services such as global collection and cross-border easy collection, which enhance collection efficiency and reduce costs [3][5]. Group 3: Cross-Border Asset Pool Innovation - Zhejiang Commercial Bank has developed a "cross-border asset pool" to facilitate efficient credit connection between domestic and overseas subsidiaries, addressing the financing challenges faced by companies like YN Technology, which has expanded internationally but struggled with local financing due to insufficient asset and credit history [5][6]. - The bank provided 38 million yuan in funding support to YN Technology's overseas subsidiary through this innovative service, demonstrating the effectiveness of the cross-border asset pool in enhancing business processing efficiency [6][7]. Group 4: Comprehensive Support for Global Operations - The bank's comprehensive cross-border financial service capabilities are designed to meet the full chain of foreign trade enterprise needs, offering a one-stop, immersive support system that includes specialized products for settlement and financing [8]. - The services are interconnected, forming a financial backbone that supports enterprises in their global operations, with a focus on customer-centric approaches and alignment with national strategies for international trade development [8].

Core Insights - The digital transformation is crucial for the banking industry, with a significant focus on the restructuring of digital talent, particularly the Chief Information Officers (CIOs) [1][2] Group 1: Changes in CIO Positions - In 2025, several major banks experienced changes in their technology leadership, with the CIOs of China Construction Bank (CCB) and Bank of China (BOC) resigning [2][4] - CCB's former CIO, Jin Panshi, resigned due to age reasons after serving for four years [2][3] - BOC's former CIO, Meng Qian, also resigned for age reasons after a 38-year tenure, during which she held multiple senior positions [4][6] - The Industrial and Commercial Bank of China (ICBC) also saw its technology leader, CTO Lv Zhongtao, leave at the end of 2025 [7][8] Group 2: New Appointments and Trends - In 2025, 21 new CIOs were appointed, primarily in small and medium-sized banks, with many being external hires [10][11] - Notable new CIOs include Gong Weihua at Huaxia Bank and Wang Fenghui at Xiamen International Bank, both of whom were brought in from outside the banking sector [11][12] - The trend indicates a shift towards external recruitment for CIO positions, with 48% of the new appointments being external hires [16] Group 3: Recruitment Trends in Smaller Banks - Many small and medium-sized banks have publicly announced CIO recruitment in 2025, including Xiamen International Bank and Zhengzhou Bank [18][19] - Recruitment criteria often include age limits and specific experience requirements, such as a minimum of six years in information technology and four years in senior management roles [18][20] - The trend reflects a growing emphasis on digital leadership within smaller banks, as they seek to enhance their technological capabilities [18][19]

Core Viewpoint - The article emphasizes the importance of stabilizing foreign trade and foreign investment as key supports for economic stability, highlighting Zhejiang Commercial Bank's proactive measures to align with national strategies for expanding international circulation and promoting trade innovation [1]. Group 1: Cross-Border Financial Services - Zhejiang Commercial Bank has introduced five major cross-border financial services, including global accounts and settlement, integrated liquidity financing, one-stop investment and financing services, immersive foreign exchange trading, and scenario-based new foreign trade services, to support foreign trade enterprises in international markets [1]. - During the 14th Five-Year Plan period, Zhejiang Commercial Bank provided over $17,000 million in cross-border settlement services and over $7,000 million in foreign exchange risk hedging services, along with a cross-border financing balance exceeding 150 billion yuan [1]. Group 2: Addressing Challenges for SMEs - A survey targeting small and medium-sized foreign trade enterprises indicates a growing demand for efficient and low-cost payment settlement processes, particularly for new foreign trade models involving numerous small transactions [2]. - Zhejiang Commercial Bank has responded to the challenges faced by enterprises expanding into emerging markets like ASEAN, the Middle East, and Africa by launching innovative services such as global collection and cross-border easy collection, which enhance collection efficiency and reduce costs [2]. Group 3: Cross-Border Asset Pool Innovation - The case of YN Technology, which has expanded its international operations, illustrates the need for efficient and low-cost financing support as it faces challenges in obtaining financing for its overseas subsidiaries due to their short establishment time and lack of credit history [3][5]. - Zhejiang Commercial Bank provided 38 million yuan in funding support to YN Technology's overseas subsidiary through an innovative "cross-border asset pool" service, which allows for efficient credit connection between the parent company and its subsidiaries [5]. Group 4: Comprehensive Support for Global Operations - Zhejiang Commercial Bank has developed a systematic cross-border financial service capability to address the full chain of foreign trade enterprise needs, offering a one-stop, immersive support system [7]. - The five major services are interconnected, enhancing the overall efficiency of fund utilization for enterprises and aligning with the national strategy to promote trade innovation and international circulation [7].

证券代码：601916 证券简称：浙商银行 公告编号：2026-001 浙商银行股份有限公司 关于召开2026年第一次临时股东大会的通知 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法律责任。 重要内容提示： 一、召开会议的基本情况 (一)股东大会类型和届次 2026年第一次临时股东大会 (二)股东大会召集人：董事会 (三)投票方式：本次股东大会所采用的表决方式是现场投票和网络投票相结合的方式 (四)现场会议召开的日期、时间和地点 召开的日期时间：2026年1月26日 15点00分 召开地点：中国浙江省杭州市上城区民心路1号浙商银行总行大楼 (五)网络投票的系统、起止日期和投票时间 网络投票系统：上海证券交易所股东大会网络投票系统 网络投票起止时间：自2026年1月26日 涉及融资融券、转融通业务、约定购回业务相关账户以及沪股通投资者的投票，应按照《上海证券交易 所上市公司自律监管指引第1号一规范运作》等有关规定执行。 (七)涉及公开征集股东投票权 不涉及 ● 股东大会召开日期：2026年1月26日 （星期一） ● 股权登记日：202 ...

Core Viewpoint - The article emphasizes the role of Zhejiang Commercial Bank in promoting financial services that support both technological innovation and rural development, showcasing its commitment to "finance for the people" and aligning with national strategies [1][2]. Group 1: Technological Finance - Zhejiang Commercial Bank has significantly contributed to the growth of small and micro enterprises, serving over 500,000 clients and increasing loan issuance by 133% during the 14th Five-Year Plan period [2]. - The bank has developed a unique credit evaluation system tailored to the characteristics of technology companies, moving away from traditional collateral-based assessments [3][6]. - The case of Wuhan Heyuan Biotechnology Co., Ltd. illustrates the bank's innovative approach, providing critical funding of 5 million yuan to support its research and development efforts [5][6]. - The bank's "Talent Bank" initiative focuses on evaluating companies based on their human resources and technology rather than physical assets, enabling timely financial support [6][8]. Group 2: Inclusive Finance - Zhejiang Commercial Bank has extended its financial services to rural areas, exemplified by the transformation of Taohou Village from poverty to a model of shared prosperity [9][13]. - The bank implemented the "3386 model" to tailor financial services to local resources and industry characteristics, facilitating access to loans without collateral [11][13]. - The successful case of a couple starting a guesthouse in Taohou Village highlights the bank's role in providing 500,000 yuan in loans, which helped them overcome initial financial challenges [11][13]. - The bank has served 800,000 small micro enterprises and issued over 3 trillion yuan in loans, demonstrating its commitment to inclusive finance and rural revitalization [13][15].

2026年第一次臨時股東大會之代表委任表格 本人╱吾等 （附註1） 地址為 （附註2） 持有浙商銀行股份有限公司（「本行」） （附註3） 股H股， CHINA ZHESHANG BANK CO., LTD. 浙商銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （股份代號：2016） 為本行的股東，現委任 （附註4） 臨時股東大會主席或 （其地址為 ） 為本人╱吾等之代理人，代表本人╱吾等出席2026年1月26日（星期一）下午3時在中華人民共和國（「中國」）浙江省 杭州市上城區民心路1號浙商銀行總行大樓舉行的2026年第一次臨時股東大會（「臨時股東大會」），並於該會代表本 人╱吾等依照下列指示就臨時股東大會通告所列的決議案投票；如無作出指示，則本人╱吾等之代理人可酌情投 票。除文義另有所指外，本表格所用詞彙與本行日期為2026年1月6日的通函所界定者具有相同涵義。 | | （附註5） 普通決議案 | （附註6） 贊成 | （附註6） 反對 | 棄權 | （附註6） | | --- | --- | --- | --- | --- | --- | | 1. | 關於選舉呂臨華先生為浙商銀行股份有限公司 ...

（股份代號：2016） 2026年第一次臨時股東大會通告 茲通告浙商銀行股份有限公司（「本行」）謹訂於2026年1月26日（星期一）下午3時 於中國浙江省杭州市上城區民心路1號浙商銀行總行大樓舉行2026年第一次臨時股東大 會（「臨時股東大會」），以審議並酌情通過以下決議案。除文義另有所指外，本通告所 用詞彙與本行日期為2026年1月6日的通函所界定者具有相同涵義。 普通決議案 香港交易及結算所有限公司及香港聯合交易所有限公司對本通告的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示概不就因本通告全部或任何部分內容而產生或因倚賴該等內容而引致的任何 損失承擔任何責任。 CHINA ZHESHANG BANK CO., LTD. 浙商銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） 關於選舉呂臨華先生為浙商銀行股份有限公司第七屆董事會董事的議案 承董事會命 浙商銀行股份有限公司 陳海強 執行董事 中國，杭州 2026年1月6日 – 1 – 附註： – 2 – 1. 個人股東親自出席會議的，應出示本人身份證或其他能夠表明其身份的有效證件或證明；委任代表 出席會議的，受委託代表應出示其本人 ...

此乃要件 請即處理 閣下對本通函或應採取的行動如有疑問，應諮詢 閣下的股票經紀或其他註冊證券交易商、銀行經理、律 師、專業會計師或其他專業顧問。 閣下如已售出或轉讓名下浙商銀行股份有限公司的全部股份，應立即將本通函及隨附的代表委任表格交予 買主或承讓人，或送交經手買賣或轉讓的銀行、股票經紀或其他代理商，以便轉交買主或承讓人。 香港交易及結算所有限公司及香港聯合交易所有限公司對本通函的內容概不負責，對其準確性或完整性亦 不發表任何聲明，並明確表示概不就因本通函全部或任何部份內容而產生或因依賴有關內容而引致的任何 損失承擔任何責任。 CHINA ZHESHANG BANK CO., LTD. 浙商銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （股份代號：2016） 選舉第七屆董事會董事 及 2026年第一次臨時股東大會通告 本行謹訂於2026年1月26日（星期一）下午3時於中國浙江杭州上城區民心路1號浙商銀行總行大樓舉行臨 時股東大會。臨時股東大會通告載於本通函第7頁至第8頁。 不論 閣下能否出席臨時股東大會，務請細閱臨時股東大會通告，並盡早按隨附的代表委任表格上印列 的指示填妥及交回該表格。H股 ...

Core Viewpoint - Insurance capital's involvement in listed companies is increasing, with a record number of shareholding actions in 2025, particularly favoring the financial sector, especially H-shares [1][2][4]. Group 1: Shareholding Activities - By the end of 2025, insurance capital had conducted over 30 shareholding actions, marking a significant increase compared to previous years [1]. - A total of 14 insurance institutions participated in 35 shareholding actions in 2025, with Ping An Life being the most active, conducting 12 actions [2]. - The month of August saw the highest activity, with 7 shareholding actions, including Ping An Life's investments in major banks [2]. Group 2: Investment Preferences - Financial stocks, particularly H-shares of banks, are the primary targets for insurance capital, with 15 actions in the financial sector [4]. - Insurance companies prefer low-valuation, high-dividend stocks with stable performance, which aligns with the new accounting standards that favor high-dividend stocks [4][5]. - The valuation of H-shares is generally lower than A-shares, providing greater appreciation potential, along with tax benefits through the Hong Kong Stock Connect [4][5]. Group 3: Market Impact and Trends - The shareholding actions by insurance capital have positively influenced stock prices, with notable increases following such actions [7]. - Major insurance companies have shown strong stock performance, with significant annual increases in share prices, outperforming the broader market indices [9]. - The trend of insurance capital's involvement in the equity market is expected to continue, driven by considerations of dividend yield and return on equity (ROE) [10].