12月23日金融一线消息，浙商银行公告称，根据中共浙江省委决定，吕临华任浙商银行股份有限公司党 委委员、党委副书记，提名吕临华任浙商银行股份有限公司董事、行长，提议陈海强不再担任浙商银行 股份有限公司行长职务。 责任编辑：李琳琳 12月23日金融一线消息，浙商银行公告称，根据中共浙江省委决定，吕临华任浙商银行股份有限公司党 委委员、党委副书记，提名吕临华任浙商银行股份有限公司董事、行长，提议陈海强不再担任浙商银行 股份有限公司行长职务。 特此公告。 浙商银行股份有限公司董事会 2025年12月23日 责任编辑：李琳琳 证券代码:601916 证券简称:浙商银行 公告编号:2025-057 浙商银行股份有限公司 关于提名董事、行长的提示性公告 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。 根据中共浙江省委决定,吕临华同志任浙商银行股份有限公司党委委员、 党委副书记,提名吕临华同志任浙商银行股份有限公司董事、行长,提议陈海 强同志不再担任浙商银行股份有限公司行长职务。 本公司董事会将尽快按照法定程序完成相关工作。 ...

Core Viewpoint - International gold prices have reached new historical highs, with London spot gold nearing $4500 per ounce, impacting domestic gold prices in China and leading to changes in product offerings by banks [1][5]. Group 1: Gold Price Trends - On December 23, London spot gold hit $4497.754 per ounce, marking a new record high [1]. - Shanghai Gold Exchange's spot gold price reached 1014 yuan per gram, while the main futures contract on the Shanghai Futures Exchange peaked at 1018 yuan per gram, both setting new highs [1]. Group 2: Bank Product Adjustments - Both Minsheng Bank and Zheshang Bank have removed the 10-gram gold bar option from their platforms, limiting users to purchasing a maximum of 8-gram gold bars due to rising gold prices exceeding 10,000 yuan per piece [1][7]. - The price for 8-gram gold bars was reported at 8175.68 yuan for Zheshang Bank and 8197.20 yuan for Minsheng Bank [5]. Group 3: Account Limitations and Regulations - Users must bind an I-class bank card to purchase physical gold bars, with a daily limit of 10,000 yuan and an annual limit of 200,000 yuan for II-class electronic accounts [7][8]. - To purchase physical gold bars, users can apply for an I-class savings account, which is also subject to limits based on customer profiles [8]. Group 4: Market Risks - Zheshang Bank has issued a risk warning regarding the volatility of gold prices, indicating that market uncertainties could affect transaction success rates for gold accumulation products [8].

2025年12月23日，财新从业内多方了解获悉，浙江农商联合银行副行长吕临华已调任浙商银行党委副书 记，提名为行长。 ...

近期，上市银行再掀"增持潮"。其中，南京银行单次增持超1.28亿股，浙商银行则出现管理层集体增 持，苏州银行也获大股东增持。 近期，上市银行再掀"增持潮"。其中，南京银行单次增持超1.28亿股，浙商银行则出现管理层集体增 持，苏州银行也获大股东增持。 据记者不完全统计发现，今年以来共有17家A股上市银行股东实施增持，累计增持金额达892.87亿元， 在全部31个行业中位居首位，其中有6家银行累计获增持金额超10亿元，南京银行年内增持金额居A股 所有上市公司之首。 12月16日晚间，浙商银行发布公告披露了由其13名高管及负责人联合实施的集中增持，合计增持671.22 万股，为12月以来最大单笔的增持行为。 南京银行年内增持金额居A股所有上市公司之首。11月21日晚，南京银行披露重磅权益变动公告。公告 显示，其大股东法国巴黎银行通过QFII主体增持南京银行，法国巴黎银行及法国巴黎银行（QFII）合计 持股比例突破可转债转股稀释前的最高水平18.04%，达18.06%，创下历史最高水平。而这已是该银行 连续两个月增持南京银行。 ...

据记者不完全统计发现，今年以来共有17家A股上市银行股东实施增持，累计增持金额达892.87亿元， 在全部31个行业中位居首位，其中有6家银行累计获增持金额超10亿元，南京银行年内增持金额居A股 所有上市公司之首。 【深圳商报讯】（首席记者 谢惠茜）近期，上市银行再掀"增持潮"。其中，南京银行（601009）单次 增持超1.28亿股，浙商银行（601916）则出现管理层集体增持，苏州银行（002966）也获大股东增持。 12月16日晚间，浙商银行发布公告披露了由其13名高管及负责人联合实施的集中增持，合计增持671.22 万股，为12月以来最大单笔的增持行为。 南京银行年内增持金额居A股所有上市公司之首。11月21日晚，南京银行披露重磅权益变动公告。公告 显示，其大股东法国巴黎银行通过QFII主体增持南京银行，法国巴黎银行及法国巴黎银行（QFII）合计 持股比例突破可转债转股稀释前的最高水平18.04%，达18.06%，创下历史最高水平。而这已是该银行 连续两个月增持南京银行。 ...

Core Insights - The article emphasizes the importance of financial support for the growth of innovative enterprises in China, particularly in the technology sector, highlighting the need for tailored financial services throughout their lifecycle [1][6]. Group 1: Financial Support for Innovative Enterprises - Innovative enterprises, characterized by high potential and growth, face unique financial challenges due to their asset-light nature and lengthy R&D cycles [1][2]. - Financial institutions are innovating their products and services to provide comprehensive support, creating a "precise drip irrigation" and "full-cycle companionship" financial service system [1][3]. - The case of Kanglin Biotechnology illustrates the challenges faced by early-stage companies, which often lack collateral and revenue, making traditional financing difficult [2][3]. Group 2: Innovative Financing Models - Zhejiang Bank's "Talent Loan" program provided Kanglin Biotechnology with a 5 million yuan credit loan, demonstrating a shift from traditional credit models to more innovative financing solutions [2][3]. - As Kanglin Biotechnology progressed to clinical trials, it received additional financial support, including a 40 million yuan equity investment and a 30 million yuan credit line, showcasing effective integration of debt and equity financing [3][6]. - The "Common Growth Plan" in Anhui province offers long-term loans with flexible terms, significantly enhancing financial support for technology enterprises [4][5]. Group 3: Collaborative Financing Approaches - The "Zhejiang Science Union Loan" model promotes collaboration among multiple banks to provide comprehensive financial support to technology enterprises, improving credit efficiency and broadening financing channels [6][7]. - This collaborative approach has led to significant financial outcomes, with 27 banks participating and providing loans totaling 10.87 billion yuan to 197 enterprises since the policy's launch [7]. - The model not only mitigates risks for individual banks but also stabilizes the financing environment for enterprises, ensuring sustainable profitability for banks [7].

证券日报网讯 12月18日晚间，亿纬锂能发布公告称，控股股东西藏亿纬控股有限公司将其所持有的公 司470万股股份质押给浙商银行股份有限公司惠州分行，占其所持股份比例0.72%，占公司总股本比例 0.23%，质押用途为偿还债务。 （编辑 丛可心） ...

Core Viewpoint - The issuance of technology innovation bonds (科创债) by banks has significantly increased, with a total issuance scale reaching 301.4 billion yuan as of December 18, indicating a strong market response to the regulatory support initiated in May 2023 [3][14]. Issuance Scale - A total of 67 banks have issued 75 technology innovation bonds, with the largest share coming from state-owned banks, which account for 38.16% of the total issuance [3][15]. - The six major state-owned banks have collectively issued bonds worth 115 billion yuan, while city commercial banks and rural commercial banks have also become significant players, with issuance scales of 74.9 billion yuan and 15 billion yuan respectively [4][17]. Interest Rates - The interest rates for technology innovation bonds vary, with state-owned banks offering rates between 1.65% and 1.81%, while city and rural commercial banks have higher rates ranging from 1.67% to 2.07% [7][21]. - Notably, some city and rural commercial banks have rates exceeding 1.8%, indicating a competitive pricing environment [3][18]. Maturity Periods - The majority of the issued bonds have a maturity period concentrated around 5 years, which accounts for over 70% of the total, followed by 3-year bonds at over 20% [11][22]. - This maturity structure is designed to meet the medium to long-term funding needs of technology enterprises for research and development, as well as for project implementation [22]. Funding Allocation - The funds raised through these bonds are primarily directed towards technology innovation sectors, including the issuance of loans for technology projects and investments in innovative enterprises [6][17].

Core Insights - The banking sector saw a rise of 1.76% on December 18, with Industrial 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] Stock Performance - Industrial Bank (601166) closed at 20.94, up 2.25% with a trading volume of 670,000 shares and a transaction value of 1.389 billion [1] - Other notable performers include: - Shanghai Pudong Development Bank (600000) at 11.78, up 2.08% [1] - China Merchants Bank (600036) at 42.37, up 2.05% [1] - CITIC Bank (601998) at 7.51, up 1.76% [1] - The overall trading volume and transaction values for various banks indicate active market participation [1] Fund Flow Analysis - The banking sector experienced a net inflow of 309 million from institutional investors, while retail investors saw a net outflow of 118 million [1] - Detailed fund flow for key banks includes: - Industrial Bank had a net inflow of 101 million from institutional investors [2] - China Everbright Bank (601818) saw a net inflow of 63 million from institutional investors [2] - Shanghai Pudong Development Bank had a net inflow of 46 million from institutional investors [2] - Retail investors showed significant outflows across most banks, indicating a cautious sentiment among smaller investors [2]

Core Viewpoint - The series of interviews titled "Xinhua Finance Looks at Hunan: Dialogue with Hunan Bankers" aims to showcase the unique paths and solid achievements of Hunan's financial industry in serving the real economy, with a focus on the role of financial institutions in supporting technological innovation and modern industrial system construction in Hunan [1]. Group 1 - The Zheshang Bank Changsha Branch emphasizes its commitment to being a "true companion" for technology enterprises in Hunan, translating the head office's strategy into localized practices [1]. - A key aspect of this localized service capability is the development of an understanding of the language and needs of Hunan's technology innovation enterprises [1]. Group 2 - The "Talent Bank" brand created by Zheshang Bank Changsha Branch addresses the common challenges faced by technology enterprises, particularly those with technology but lacking collateral [2]. - The "Talent Bank" first resolves the "valuation" issue by converting soft assets like talent identity and patent value into assessable hard currency [2]. - It also addresses the "access" issue by allowing top talent to secure up to 30 million yuan in credit loans based on talent certifications and other materials [2]. - Furthermore, the "Talent Bank" provides customized products such as "Talent Support Loans" and "Talent Growth Loans" to support enterprises at different stages of their lifecycle, ensuring comprehensive support [2]. - The bank aims to continue focusing on the entire lifecycle of technology enterprises, refining its product system, and striving to be a "booster" and "stabilizer" for technological innovation while achieving high-quality development [2].