金融是现代经济的核心，是推动高质量发展的重要力量。一直以来，浙江省金融业聚力创新。五年 前，浙江在全国率先推出金融顾问制度，经过五年的探索实践，得到了各级政府、企业等社会各界的广 泛认可，成为金融供给侧结构性改革的浙江实践样本。在金融顾问制度推出五周年之际，由浙江省总工 会、浙商总会金融服务委员会主办，浙江省财贸工会和浙商银行承办的"2023年浙江省金融顾问综合服 务技能竞赛总决赛颁奖仪式暨金融顾问制度五周年图片展"于11月11日在杭州举行。 据介绍，"2023年浙江省金融顾问综合服务技能竞赛"被列入浙江省总工会省级职工职业技能竞赛十 大重点项目，由传统的金融竞赛模式上升到综合服务客户的主流业务上来，这是一次有益的尝试和创 新。本次竞赛也是五年来对金融顾问制度的一次总结回顾和展示，开启了金融顾问向社会传播"金融向 善"理念，增值赋能经济社会发展、助力浙江三个"一号工程"的新起点。 浙商银行党委书记、董事长，浙商总会金融服务委员会主任陆建强表示，金融顾问已经成为推动经 济社会高质量发展的新职业劳动者。本次竞赛的成功举办，说明金融顾问作为一种职业劳动者的角色越 来越被社会认可，金融顾问在推进经济社会发展过程中的价 ...

近日，国家金融监督管理总局表示，房地产与广大人民群众生活息息相关，金融业责无旁贷，必须 大力支持。1月26日，金融监管总局召开会议，部署推动落实城市房地产融资协调机制相关工作。会议 强调，要深入贯彻落实中央金融工作会议精神，加快推动城市房地产融资协调机制落地见效，更加精准 支持房地产项目合理融资需求，促进房地产市场平稳健康发展。 浙商银行积极响应国家政策号召，贯彻落实金融监管总局的相关要求，在银行间市场率先发力，于 1月25日正式推出了地产债篮子，并独立主承销发行首单房地产企业资产担保债务融资工具。 通过系列创新举措，该行为地产债提供市场流动性、精准支持地产企业，在满足投资机构交易需求 的同时，提振地产企业的市场信心，助力其融资需求。 首发房地产企业债券篮子 华远地产作为国内最早从事地产开发的品牌上市房企之一，业务布局以北京为核心，辐射京津冀、 西部、华中、华南区域。企业在做优住宅开发主业的同时，正在不断锐意进取、积极求变，试水新的发 展模式与产业业态。 此次发行的资产担保债务融资工具，以其独特的资产担保模式，盘活了企业在北京、长沙、广州三 地的资产，实现了风险的有效分散。募集资金全部用于住宅地产的项目建设， ...

2024年注定是向"新"而行的一年。 3月5日，新质生产力首次被写入政府工作报告，报告提出要"以科技创新推动产业创新"，"大力发 展科技金融、绿色金融、普惠金融、养老金融、数字金融"。 从"看资产、看抵押"转向"看未来"，浙商银行主动担当，在业内首创以高层次人才为服务对象的金 融服务品牌——人才银行，八年磨一剑，逐步形成了"以人才银行为基础的科技金融服务体系"，锻造助 推新质生产力的"新引擎"。 为推进新技术、新产品、新赛道加速破圈，以高质量金融服务支持科技力量前行，今年以来，浙商 银行全面实施科技金融助力新质生产力发展工程，将科技金融作为全行重点战略业务之一，发布了《浙 商银行科技金融服务高质量发展实施意见》（下称《意见》），提出了科技金融高质量发展的目标及37 条工作措施，确保每年科技型企业融资规模增速高于各项贷款平均增速。截至目前，浙商银行已服务人 才、科创企业近1.5万户，融资余额超2000亿元。 以专业化赋能 构建总分支协同服务立体网 浙商银行的科技金融之路始于杭州。 杭州城西，新的城市天际线一路延伸，包括紫金港科技城、未来科技城、青山湖等。这是一片充满 科技色彩的城市社区，也是杭州的创新策源地—— ...

Core Viewpoint - Zhejiang Commercial Bank reported strong financial performance in 2023, achieving significant growth in total assets, net profit, and maintaining a robust asset quality, while also emphasizing its commitment to social value and sustainable development through its "善本金融" (Good Financial) initiative [1][2][6]. Financial Performance - Total assets reached 3.14 trillion yuan, a year-on-year increase of 19.91% [2][3]. - Revenue for 2023 was 63.704 billion yuan, up 4.29% from the previous year, with net interest income at 47.528 billion yuan, reflecting a 0.99% increase [2]. - Net profit attributable to shareholders was 15.048 billion yuan, marking a 10.50% growth, with a two-digit growth rate returning since 2019 [2]. Asset Quality - Non-performing loan (NPL) ratio stood at 1.44%, down 0.03 percentage points year-on-year, while the provision coverage ratio increased to 182.60%, up 0.41 percentage points [3]. - Capital adequacy ratio improved to 12.19%, an increase of 0.59 percentage points from the previous year [3]. Strategic Focus - The bank adopted a strategy focusing on "weakly sensitive assets" to stabilize income through economic cycles, with these assets generating 20% revenue growth, significantly outpacing overall revenue growth [4]. - Key sectors for lending included renewable energy, food, pharmaceuticals, and agriculture, aligning with national financial policies [4]. Non-Interest Income - Non-interest income reached 16.176 billion yuan, a 15.35% increase, contributing over 80% of the revenue growth, thus mitigating the impact of narrowing interest margins [5]. Social Responsibility and Development Initiatives - The bank launched 15 measures to support small and innovative enterprises, establishing financial advisory services across 22 provinces, and facilitating over 550 billion yuan in financing for more than 80,000 businesses [7]. - A significant portion of loans, one-third, was directed towards Zhejiang province, with total financing services exceeding 920 billion yuan, contributing to local economic development [7][8].

一直以来，浙商银行以助力地产行业平稳健康发展为己任，精准支持房地产企业合理融资需求。下 一步，浙商银行将持续践行金融工作的政治性和人民性，坚决扛起金融"国之大者"使命担当，不断发挥 主动性和专业性，持续推动协调机制工作落实落细，将对房地产企业的金融支持落到实处，全方位助力 房地产行业平稳健康发展。 以广州星河地产集团某项目为例，浙商银行广州（惠州）分行自协调机制推进以来，积极对接属地 住建部门和企业需求，截至3月底，广州（惠州）分行合计收到第一批推送白名单项目3个，并作为首批 签约银行代表与星河地产签约。目前浙商银行已为该项目提供开发贷支持3000万元。房企相关负责人表 示，该这笔贷款将有效缓解项目施工压力，进一步保障项目按期交付。 【纠错】 【责任编辑:杨萌】 自《关于建立城市房地产融资协调机制的通知》（以下简称"协调机制"）发布以来，浙商银行高度 重视、快速响应。截至目前，已落地第一批次"白名单"（可给予融资支持的房地产项目）主办项目30 个，新发放融资超30亿元、新批复授信超100亿元。 浙商银行房地产金融部相关负责人介绍，为了保证审批效率，该行专门制定针对协调机制工作的尽 职免责认定标准和条件，并开通 ...

"因地制宜发展新质生产力，加快建设现代化产业体系。""民营经济发展前景广阔、大有可为，民 营企业和民营企业家大显身手正当其时。"近日召开的全国两会和民营企业座谈会释放了推动科技创新 和产业创新融合发展、促进民营经济健康发展的重要信号。 围绕高层次人才的创业和生活，浙商银行丰富"人才贷"系列产品，"人才支持贷""人才成长贷"突出 以"人"为本，对参与实际经营的人才，按不同人才层级给予相应授信额度与期限。截至2024年末，浙商 银行已服务科技型企业超3万户，提供融资余额超3600亿元，服务高层次人才近4000户，融资余额345亿 元。 将目光聚焦民营经济大省浙江，当人形机器人迈出实验室、无人机翱翔于低空经济赛道、搭载 着"绿色心脏"的火箭冲向太空时，一场又一场关于"耐心资本"培育未来产业、金融赋能高水平科技型企 业的实践正悄然上演。 作为一家根植浙江的全国性股份制商业银行，截至2024年末，浙商银行已服务科技型企业超3万 户，其中主要为民营企业，提供融资余额超3600亿元。这不仅是数字的跃升，更是赋能人才创业、驱动 科技发展的金融范式创新。 数据背后，折射出浙商银行对科技金融的深入布局。近年来，浙商银行秉持"善本 ...

Group 1 - The banking sector experienced a decline of 0.24% on August 8, with China Merchants Bank leading the drop [1] - The Shanghai Composite Index closed at 3635.13, down 0.12%, while the Shenzhen Component Index closed at 11128.67, down 0.26% [1] - Among the listed banks, Shanghai Pudong Development Bank saw the highest increase of 1.72%, while China Merchants Bank had the largest decrease of 1.37% [1] Group 2 - The banking sector faced a net outflow of 365 million yuan from main funds, while retail investors contributed a net inflow of 363 million yuan [1] - Specific banks like Huaxia Bank and China Merchants Bank experienced significant net outflows from main funds, with China Merchants Bank seeing a net outflow of 239 million yuan [1] - Retail investors showed strong interest in several banks, with notable inflows into Huaxia Bank and China Merchants Bank, despite the overall outflow from main funds [1]

Core Viewpoint - The issuance of 30-year special government bonds is a significant move to enhance fiscal policy effectiveness and support major projects, while also reducing debt pressure for the government [4][6]. Group 1: Issuance Details - The first issuance of the 30-year special government bonds occurred on May 17, with distribution ending on May 20 and trading starting on May 22 [1]. - The average issuance scale for this year's special government bonds is 455 billion yuan, with a total of 1 trillion yuan planned for issuance over several years [5][6]. - The weighted average bidding rate for the first 30-year bond was 2.57%, which is favorable for reducing interest payment pressure [5]. Group 2: Market Response - Some banks, such as China Merchants Bank and Zheshang Bank, quickly sold out their quotas for the special bonds on the first day of availability [2]. - The demand for these bonds indicates strong interest from individual investors, although some banks have not yet received notifications to sell them [2]. Group 3: Economic Implications - The issuance of long-term bonds is expected to provide ample funding for long-term projects, thereby supporting economic recovery and reducing overall debt costs [4][6]. - Compared to international standards, China's proportion of long-term bonds is relatively low at 16.9%, indicating room for growth [6].

Core Viewpoint - The "Shanben Finance" concept, as a new paradigm for China's financial development, emphasizes the integration of social value and financial functionality, aiming to reshape financial value from a societal perspective [1][2][3] Group 1: Concept and Practice - "Shanben Finance" is defined by the principles of "goodness as the soul, and numbers as the means," which aims to create a financial development logic that merges social value with digitalization [3] - The practice of "Shanben Finance" includes six dimensions: awakening the social role of finance, deepening service scenarios, transforming business logic, directing capital towards good, facilitating mechanisms for goodness, and promoting a culture of goodness [3] - The concept is supported by a series of publications titled "Shanben Finance: New Paradigms for Chinese Financial Development," which explores the integration of goodness and digitalization in financial services [3] Group 2: Challenges and Changes - The financial industry is currently facing three major changes: a shift back to service-oriented functionality, a digital transformation driven by technology, and a need for high-quality development in a stock economy [2] - The emphasis is on aligning financial services with social development, ensuring that financial institutions focus on serving positive societal entities [2][6] Group 3: Cultural and Theoretical Perspectives - The importance of Chinese financial culture is highlighted, emphasizing the need for a blend of historical traditions and modern governance concepts [4] - The "Shanben Finance" approach reflects a deep understanding of the principle of "finance for the people," integrating social responsibility into business models to address challenges in inclusive finance [4][5] - Experts agree that the "Shanben Finance" concept provides a valuable framework for achieving a balance between social good and profitability, demonstrating that financial institutions can serve both interests [6]

以浙商银行为例，当天，在会上发布了面向科技型企业的全新综合金融服务品牌——"善科陪伴计划"。据悉，该计划将从人员陪伴、场景陪伴、服务陪 伴、生态陪伴四个维度进行升级焕新，为企业提供"信贷+非信贷""金融+非金融"的产品组合，构建了更全面的"陪伴支撑网络", 与科创企业的成长同频共 振。 金融与科技双向奔赴 商业银行要扮演好"三重角色" 会上，与会专家就近年来助力新质生产力发展的实践探索，与现场嘉宾分享了观察和感受。 陆建强认为，金融当前面临着"高质量发展""定位站位""数字化"三大变局，金融机构必须要有更高的站位和情怀，在资本向实的浪潮中扮演好三重角 色，实现社会各方合力共筑科技金融的创新生态。一是当好科技企业的"长期伴跑人"。金融机构要坚持长期主义，深度融入企业生产经营场景和其所处的产 业链生态中，主动在场景中提供快速响应的嵌入式服务，提前做好谋划布局。二是当好创投资本的"价值放大器"。通过"投贷联动打前站、中长期贷款稳底 盘、并购贷款促跃升"等全周期立体式的打法，匹配科技企业全生命周期需求，助力创投资本做好初创期价值发现、成长期价值培育、成熟期价值释放等重 点环节，全面放大资本价值。三是当好创新生态的"超 ...