继5月20日六家国有大行率先开启新一轮人民币存款挂牌利率调降工作后，各家股份制银行正在纷纷跟进调整。 《金融时报》记者注意到，5月21日，已有招商银行（600036）、平安银行（000001）、中信银行（601998）等9家股份制银行完成了存款利率下调。5月 22日上午，渤海银行、恒丰银行、浙商银行（601916）3家股份行也在官网发布了关于调整人民币存款挂牌利率的公告。 | 存款项目 | 个人存款(年利率 %) | 单位存款(年利率%) | | --- | --- | --- | | 活期在家 | 0.05 | 0. 05 | | 定期存款 | | | | 整存整取 | | | | 三个月 | 0. 70 | 0. 70 | | 半年 | 0.95 | 0. 95 | | 一年 | 1. 15 | 1. 15 | | 二年 | 1. 30 | 1. 30 | | 三年 | 1. 55 | 1. 55 | | 五年 | 1. 60 | 1. 60 | | 零存整取、 整存零取、存本取息 | | | | 一年 | 0. 70 | - | | 三年 | 0.95 | - | | 五年 | 1. 15 | - | ...

继国有大行之后，多家股份制银行跟进下调了存款利率。5月21日，贝壳财经记者统计，目前已有10家股份制银行 调降了银行存款挂牌利率。 多家股份制银行跟随降低存款利率 招商银行1年定期跟调破1 5月21日，贝壳财经记者统计，已有10家股份制银行已经或即将降低存款挂牌利率。其中，1年、2年定期存款的挂 牌利率普遍下调15个基点，3年、5年定期存款的挂牌利率则均下调了25个基点。 此次调整中，招商银行的存款挂牌利率与国有银行保持同步。调整后，该行1年定期存款挂牌利率降至0.95%，首 次跌破1%。2年、3年5年定期存款利率分别降至1.05%、1.25%和1.30%，是股份制银行存款挂牌利率最低的银 行。 其余9家银行1年定期存款挂牌利率均下调至1.15%。2年、3年、5年定期存款挂牌利率下调后则不尽相同。以3年 定期存款为例，平安银行、兴业银行、光大银行、浦发银行、民生银行、广发银行、华夏银行均将挂牌利率降至 1.30%，中信银行调整后为1.25%，浙商银行（601916）则为1.55%。 上海金融与发展实验室副主任董希淼表示，不同的商业银行由于市场竞争、客户定位、负债结构等因素有所不 同，因此调整存款利率的节奏、幅 ...

Core Viewpoint - The recent reduction in deposit rates by multiple banks, including state-owned and joint-stock banks, aligns with market expectations and aims to stabilize net interest margins while supporting the real economy [1][5][6]. Group 1: Deposit Rate Adjustments - Nine out of twelve joint-stock banks have announced reductions in deposit rates, with significant cuts in medium to long-term deposit rates, particularly a 25 basis points (BP) decrease for 3-year and 5-year fixed deposits [1][2][3]. - Specific banks like Ping An Bank and Minsheng Bank have adjusted their deposit rates, with Ping An Bank's rates for various terms now at 0.70%, 0.95%, 1.15%, 1.20%, and 1.30%, reflecting reductions of 15 BP for most terms and 25 BP for longer terms [2][3]. - The speed of these adjustments is seen as necessary for banks to manage their liabilities effectively and maintain competitiveness in the current economic environment [5][6]. Group 2: Market Reactions and Expectations - Investors have anticipated the decline in deposit rates, with no significant rush to lock in rates observed at bank branches, indicating a broader acceptance of a long-term downward trend in deposit rates [3][5]. - Experts believe that the synchronized reduction in deposit rates by banks is crucial for reducing financing costs for the real economy and stabilizing net interest margins [5][6]. Group 3: Implications for Banking Sector - The current trend of deposit rate reductions is expected to create more room for lowering financing costs in the future, which is essential for improving banks' profitability and sustainability in serving the real economy [6][7]. - The recent adjustments have seen deposit rate cuts that exceed the reductions in the Loan Prime Rate (LPR), indicating a strategic move by banks to manage their interest expenses more effectively [6][7].

Core Viewpoint - The eighth West Lake Conference (2025) held on May 21 in Hangzhou emphasizes the role of commercial banks in the capital-driven economy, highlighting the need for banks to act as long-term partners for technology companies, value amplifiers for venture capital, and super connectors in the innovation ecosystem [1] Group 1 - Zhejiang Commercial Bank's Chairman Lu Jianqiang stated that banks must play three key roles in the capital-driven wave: as long-term partners for technology enterprises, as value amplifiers for venture capital, and as super connectors in the innovation ecosystem [1] - The bank has established an open technology financial service digital platform called "Shansu Technology Financial Platform" [1] - This platform aims to create a cross-regional and cross-industry technology financial data hub, integrating dispersed technological elements, financial resources, and industrial ecosystems [1] Group 2 - The initiative seeks to achieve seamless connectivity across the entire chain, real-time communication, and value co-creation [1]

Core Viewpoint - Hangzhou is emerging as a significant hub for innovation and technology, driven by a robust ecosystem of venture capital, government support, and a strong entrepreneurial culture [2][4][6]. Group 1: Innovation Ecosystem - The rise of Hangzhou's tech enterprises, referred to as the "Six Little Dragons," showcases the city's unique innovation ecosystem, which is characterized by a blend of historical commercial foundations and modern technological advancements [2][4]. - Hangzhou's entrepreneurial environment is supported by a strong private economy, with 61.5% of its GDP coming from private enterprises, highlighting the city's vibrant business landscape [4][28]. - The local government plays a crucial role in fostering innovation by providing supportive policies and services that encourage startups and established companies alike [5][6]. Group 2: Financial Support and Capital - Hangzhou is recognized as China's fourth-largest capital city, with a diverse range of financial institutions providing comprehensive support to the tech industry through various financing methods [8][9]. - The establishment of the "3+N" industrial fund cluster aims to enhance investment in strategic emerging industries, demonstrating a proactive approach to capital allocation [6][14]. - Innovative financing models, such as the "talent bank" approach by Zhejiang Commercial Bank, are tailored to meet the unique needs of high-tech companies, facilitating their growth and development [9][10]. Group 3: Industry Growth and Development - The city's GDP is projected to exceed 2 trillion yuan in 2023, with a significant contribution from the third sector, which is expected to reach 73% of the GDP by 2024 [23][24]. - The number of listed companies in Hangzhou has surged, with a notable increase in the number of technology firms, reflecting the city's growing prominence in the capital market [25][26]. - Hangzhou's focus on "three new" economies—new industries, new business formats, and new models—has led to a substantial increase in the contribution of these sectors to the overall economy [26][27]. Group 4: Future Prospects - The city is actively developing five major industrial ecosystems, including intelligent IoT and biomedicine, which are expected to drive future economic growth [30][31]. - The digital economy is a key growth driver, with its core industries projected to contribute significantly to the GDP, aiming for a 30% share by 2027 [32][33]. - Hangzhou's commitment to innovation and technology positions it as a leading example of how cities can leverage capital and entrepreneurship to foster sustainable economic development [21][22].

Summary of Key Points Core Viewpoint - The announcement details a reduction in shareholding by Hengdian Group Holdings Co., Ltd. in Zheshang Bank, which does not trigger a mandatory takeover bid and does not result in the establishment of a controlling shareholder or actual controller for the bank [1][3]. Group 1: Shareholding Changes - Hengdian Group Holdings Co., Ltd. reduced its holdings by 242,310,660 A shares, representing a decrease of 0.88% of the total share capital of Zheshang Bank [1][2]. - Prior to the reduction, Hengdian Group held 1,615,542,387 A shares, accounting for 5.88% of the total share capital. After the reduction, it holds 1,373,231,727 A shares, which is 4.99% of the total share capital [1][2]. Group 2: Company Structure - Zheshang Bank currently has no controlling shareholder or actual controller, and the recent shareholding change will not lead to the emergence of such entities [1][3][4]. - Hengdian Group has fulfilled its information disclosure obligations as per the relevant regulations, with details available in the simplified equity change report disclosed on the same day [4].

签署日期：2025 年 5 月 20 日 浙商银行股份有限公司 简式权益变动报告书 浙商银行股份有限公司 简式权益变动报告书 上市公司名称：浙商银行股份有限公司 股票上市地点：上海证券交易所、香港联合交易所有限公司 股票简称：浙商银行 股票代码：601916（A 股）、02016（H 股） 信息披露义务人：横店集团控股有限公司 住所： 浙江省东阳市横店镇万盛街 42 号 通讯地址：浙江省东阳市横店镇万盛街 42 号 权益变动性质：信息披露义务人减持股份 三、依据《证券法》《收购管理办法》《准则 15 号》的规定，本报告书已 全面披露信息披露义务人在浙商银行股份有限公司中拥有权益的股份变动情况。 四、截止本报告书签署之日，除本报告书披露的持股信息外，信息披露义务 人没有通过任何其他方式增加或减少其在浙商银行股份有限公司中拥有权益的 股份。 五、本次权益变动是根据本报告书所载明的资料进行的。信息披露义务人没 有委托或者授权其它任何人提供未在本报告书列载的信息和对本报告书做出任 何解释或者说明。 信息披露义务人声明 一、信息披露义务人依据《中华人民共和国证券法》（以下简称"《证券法》"）、 《上市公司收购管理办法》 ...

证券代码：601916 证券简称：浙商银行 公告编号：2025-032 浙商银行股份有限公司 关于股东权益变动的提示性公告 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： 本次权益变动属于减持公司 A 股股份所致，不触及要约收购。 本公司目前无控股股东，无实际控制人，本次权益变动不会导致本公司 产生控股股东或实际控制人。 本次权益变动后，横店集团控股有限公司持有本公司 1,373,231,727 股 A 股股份，占本公司总股本比例为 4.99%（直接向下取 2 位小数，未四舍五入）。 浙商银行股份有限公司（以下简称"本公司"）于 2025 年 5 月 20 日收到 股东横店集团控股有限公司出具的《关于权益变动的告知函》，2025 年 4 月 18 日至 2025 年 5 月 19 日，横店集团控股有限公司通过竞价方式减持其持有的本 公司 A 股股份 242,310,660 股，减持比例占本公司总股本的 0.88%。现将相关股 东权益变动情况公告如下： 一、 本次权益变动基本情况 本次权益变动前，横店集团控股有限 ...

浙商银行股份有限公司 股东减持股份结果公告 本公司董事会、全体董事及相关股东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： 大股东持股的基本情况 减持股份计划实施前，横店集团控股有限公司（以下简称"横店集团"）持 有浙商银行股份有限公司（以下简称"本公司"）A 股股票 1,615,542,387 股， 占本公司总股本的比例为 5.88%。 减持计划的实施结果情况 2025 年 1 月 22 日，本公司披露了《浙商银行股份有限公司关于持股 5%以上 股东减持股份计划公告》（公告编号：2025-003），横店集团拟在公告披露之日起 15 个交易日后的三个月内，通过集中竞价和大宗交易方式合计减持其持有的 A 股股票不超过 274,646,359 股（含本数），即减持比例不超过本公司总股本的 1%。 2025 年 5 月 20 日，本公司收到股东横店集团发来的《关于浙商银行股份有 限公司股份减持计划实施结果的告知函》，截至 2025 年 5 月 19 日，股东横店集 团 在 本 次 减 持 计 划 期 间 通 过 集 中 竞 价 交 易 方 ...

浙商银行（601916）公告，横店集团控股有限公司于2025年4月18日至2025年5月19日通过竞价方式减持 浙商银行A股股份2.42亿股，占公司总股本的0.88%。本次权益变动后，横店集团控股有限公司持有浙 商银行的股份比例从5.88%降至4.99%。本次减持不触及要约收购，不会导致浙商银行产生控股股东或 实际控制人。 ...