智通财经记者 | 杨志锦 智通财经编辑 | 王姝 "由于关税等外部冲击影响加大，本轮政策与去年9·24政策相比，除延续降准降息、稳定楼市和股市等 举措外，更加重视提振消费、稳定外贸、企业纾困以及支持科技创新等领域，在力度和节奏上也超过市 场预期，具有力度大、落地快、覆盖广等特点。"浙商银行党委书记、董事长陆建强5月28日在"贯彻落 实一揽子金融政策发布会"上表示。 4月25日召开的中共中央政治局会议指出，要加紧实施更加积极有为的宏观政策，用好用足更加积极的 财政政策和适度宽松的货币政策。5月7日，中国人民银行、国家金融监督管理总局、中国证券监督管理 委员会三大金融管理部门负责人齐聚国新办发布会，重磅推出一揽子金融政策。 为此，浙商银行将加快科技金融专业队伍建设，推动专职产品经理、客户经理和评审人员队伍建设，未 来三年组建100个科技金融团队。 支持外贸方面，浙商银行将制定稳外贸专项支持政策，切实做到不抽贷不断贷，并给予存量贷款无还本 续贷或其他还本付息安排政策。加大跨境融资投放力度，实现2025年对民营企业跨境融资投放总额达 170亿美元。 "浙江是外贸大省，进出口规模位居全国第三，外贸依存度更是全国最高。浙 ...

Core Viewpoint - Zhejiang Merchants Bank has launched a comprehensive implementation plan to support the stabilization of the market and expectations, focusing on aiding the real economy through various financial initiatives, including a special fund of 10 billion yuan for the "Snow in the Winter" project [1][2][5]. Group 1: Financial Support Initiatives - The bank aims to achieve an additional 10 billion yuan in technology financial loans within the year and plans to invest no less than 17 billion USD in cross-border financing for private enterprises by 2025 [1][2]. - The implementation plan includes 20 measures across eight key areas, emphasizing the "Good Financial" philosophy and targeting high-level technology enterprises, foreign trade stability, and consumer market stimulation [2][3]. Group 2: Technology and Innovation Support - The "Good Technology Accompaniment Plan" will enhance the bank's influence as a "Talent Bank," with plans to establish 100 technology financial teams over the next three years, providing integrated financial and non-financial services to tech enterprises [3]. - The bank will increase the issuance of technology innovation bonds and provide lower-cost, longer-term support for technological innovation [3]. Group 3: Foreign Trade and Consumer Market - The "Cross-Border Escort Plan" aims to support foreign trade enterprises affected by global trade tensions, offering customized financial services and flexible repayment arrangements to alleviate financial pressure [3]. - In consumer market stimulation, the bank plans to issue over 10 billion yuan in personal consumption loans and allocate 20 million yuan for government-backed consumption subsidies [4]. Group 4: Commitment to Good Financial Practices - Zhejiang Merchants Bank has established a comprehensive framework for "Good Financial" practices, integrating this philosophy into its services and operations to enhance the effectiveness of policy implementation [5][6]. - The bank is also focused on promoting county-level financial ecosystem construction, having initiated pilot projects to address financial service challenges in local areas [6].

Core Insights - The total number of employees in A-share listed banks decreased by approximately 5,971 from 2023 to 2024, representing a year-on-year decline of about 0.21% [3][4] - Among the 42 listed banks, 27 experienced an increase in employee numbers, while 15 saw a decrease, indicating a trend of growth in certain institutions despite overall reductions [4] Employee Growth Rankings - Nanjing Bank and Zheshang Bank led the employee growth with increases of 10.42% and 10.18% respectively [1][4] - A total of 7 banks had employee growth rates exceeding 5%, highlighting a significant trend in workforce expansion among select banks [4] Employee Numbers - The total employee count for A-share listed banks reached approximately 2.8766 million by the end of 2024, down from 2.8826 million in 2023 [3] - Agricultural Bank and Industrial and Commercial Bank had the highest employee counts, with approximately 454,700 and 415,200 employees respectively [3] Employee Reduction Insights - Among the banks that reduced their workforce, China Ping An and Ningbo Bank had the most significant declines, with reductions of 5.44% and 7.64% respectively [4] - China Ping An's workforce decreased by about 15,698 employees, reflecting broader trends in the financial services sector [2][4]

金融界2025年5月28日消息，国家知识产权局信息显示，浙商银行股份有限公司;易企银（杭州）科技有 限公司申请一项名为"一种准实时的银行对账管控方法及系统"的专利，公开号CN120047228A，申请日 期为2025年01月。 天眼查资料显示，浙商银行股份有限公司，成立于1993年，位于杭州市，是一家以从事货币金融服务为 主的企业。企业注册资本2126869.6778万人民币。通过天眼查大数据分析，浙商银行股份有限公司共对 外投资了6家企业，参与招投标项目2090次，财产线索方面有商标信息457条，专利信息147条，此外企 业还拥有行政许可50个。 易企银（杭州）科技有限公司，成立于2020年，位于杭州市，是一家以从事软件和信息技术服务业为主 的企业。企业注册资本2000万人民币。通过天眼查大数据分析，易企银（杭州）科技有限公司参与招投 标项目26次，专利信息65条。 来源：金融界 专利摘要显示，本发明公开了一种准实时的银行对账管控方法及系统，该方法包括：获取数据源并进行 数据归集至数据存放平台，所述数据源包括待对账评估的业务系统产生的交易数据，将数据存放平台中 的数据发送到实时流计算平台中，根据对账检测规则 ...

Core Viewpoint - The rise of "Six Little Dragons" in Hangzhou highlights the importance of financial support for technological innovation, emphasizing a diversified financing support system involving securities, banks, funds, and trusts [1] Group 1: Financial Transformation - Financial industry faces three major changes: transformation and upgrade, repositioning to serve the real economy, and digitalization [4] - Financial services must evolve from serving individual enterprises to serving entire ecosystems, shifting from "pawnshop" finance to scenario-based finance, and from specialized services to comprehensive collaborative services [4] Group 2: Practical Explorations by Zhejiang Merchants Bank - Zhejiang Merchants Bank has implemented a financial advisor system to provide long-term, cross-license services to tech enterprises [5] - The "Good Credit" project aims to innovate credit risk management by focusing on social reputation and dynamic risk control rather than just financial metrics [6] - The bank promotes a chain-ecosystem finance model, integrating financial products seamlessly into enterprise operations using digital tools [5] Group 3: Policy Implementation and Support - The bank adheres to the "Good Financial" philosophy, creating a differentiated evaluation system for tech enterprises and enhancing the quality of tech financial services [6] - It emphasizes long-term investment strategies, considering non-financial indicators like technological innovation and business models in credit assessments [6] - The bank strengthens collaboration with venture capital, private equity, and government funds to enhance service offerings for tech enterprises [6] Group 4: Building a Financial Ecosystem - Zhejiang Merchants Bank aims to be a benchmark for financial support in common prosperity, developing a comprehensive product system tailored to the needs of tech enterprises [8] - The bank has launched the "Good Science Accompaniment Plan" to provide precise financial services throughout the lifecycle of tech enterprises [8] - It actively collaborates with various professional institutions to address challenges faced by enterprises, enhancing the overall tech financial ecosystem [8]

Group 1 - The core viewpoint of the news is that the launch of the "Technology Board" in the bond market has led to a significant increase in the issuance of technology innovation bonds (科创债), with banks becoming the main issuers, reflecting a trend of financial resources being directed towards technological innovation [1][4]. - As of May 25, 14 banks have collectively issued 170 billion yuan in technology innovation bonds, accounting for approximately 60% of the total issuance, indicating strong participation from the banking sector [1][2]. - The issuance of technology innovation bonds is supported by policies from the People's Bank of China and the China Securities Regulatory Commission, which aim to enhance the product system and support mechanisms for these bonds [4][5]. Group 2 - Major banks such as China Bank and Shanghai Bank have successfully issued technology innovation bonds with significant demand, showcasing the market's enthusiasm for these financial instruments [2][6]. - The collaboration between banks and securities firms is highlighted, as they work together to support technological innovation, forming a core force in the financial ecosystem [2][4]. - The expected growth in the technology innovation bond market is driven by ongoing policy support and market momentum, with projections indicating a potential explosive increase in issuance this year [6].

Core Viewpoint - The rise of "Six Little Dragons" in Hangzhou highlights the importance of financial support in fostering technological innovation, with a diversified financing support system being established through collaboration among various financial entities [1] Group 1: Financial Transformation - Financial institutions are facing three major changes: transformation and upgrading, repositioning to serve the real economy, and digitalization [1][2] - The financial sector must shift from serving individual enterprises to serving entire ecosystems, from "pawnshop" finance to scenario-based finance, and from specialized services to comprehensive collaborative services [2] Group 2: Innovative Practices - Zhejiang Commercial Bank has implemented a "Financial Advisor System" to provide long-term, cross-license services to technology enterprises [2][3] - The bank has initiated the "Good Credit Project," focusing on long-term assessments of technology firms based on social reputation and dynamic risk control [3] Group 3: Policy Implementation - The bank is committed to developing a differentiated evaluation system for technology enterprises, aligning with government policies to enhance venture capital and patient capital [2][4] - A comprehensive product system has been established, including 30 products tailored to the different growth stages of technology enterprises [4] Group 4: Ecosystem Development - The bank is actively building a technology financial ecosystem by collaborating with various professional institutions to address the diverse needs of enterprises [4] - Recent initiatives include hosting conferences to connect government departments and investment institutions with technology enterprises for equity financing [4]

Core Viewpoint - The competition in consumer loans among banks has shifted from a focus on low interest rates to enhancing loan limits and extending loan terms, as banks seek to adapt to changing market conditions and regulatory guidance [1][11][15] Consumer Loan Growth - In 2024, the total consumer loan balance of 40 A-share listed banks increased by over 950 billion yuan, with some banks experiencing growth rates exceeding 90% compared to the previous year [1][3] - The consumer loan balance for these banks reached approximately 6.06 trillion yuan by the end of 2024, marking an increase of 957.85 billion yuan from the previous year [3][4] Interest Rate Trends - Consumer loan interest rates dropped to the "2" range, with some banks offering rates as low as 1.88% for select customers, but this trend has reversed with many banks raising rates to no less than 3% by April 2024 [1][9][10] - The shift back to "3" range interest rates is aimed at preventing excessive competition and potential financial risks associated with low-rate loans [10][11] Bank Strategies - Banks are now focusing on enhancing consumer loan products by increasing limits and extending terms, responding to government initiatives to boost consumption [11][12] - Various banks have begun to raise loan limits and extend repayment periods, with some institutions increasing the maximum loan amount from 300,000 yuan to 500,000 yuan and extending terms from five to seven years [12][16] Market Segmentation - The consumer loan market is showing significant differentiation, with some banks rapidly expanding their loan portfolios through low-rate strategies, while others are contracting due to concerns over rising non-performing loan rates [5][10] - Banks are increasingly targeting specific consumer scenarios, such as home renovations and electric vehicle purchases, to drive loan growth [15][16] Risk Management - The rise in consumer loan balances has led to an increase in non-performing loans, prompting banks to enhance their risk management practices and focus on quality customer segments [9][10][14] - Regulatory bodies are emphasizing the need for banks to monitor the flow of consumer loan funds to mitigate systemic risks [14]

21世纪经济报道记者边万莉实习生余姿桦杭州报道作为中国经济最活跃、对外开放程度最高、创新能力 最强的地区之一，长三角地区在中国式现代化建设中的地位举足轻重。随着长三角一体化国家战略的落 地和实施，给商业银行带来了更加丰富的客户资源、重大项目和广阔的市场。 21世纪经济报道记者对国有大行和股份行2024年年报梳理发现，共有15家银行在财报中明确披露了长三 角地区相关数据，涵盖营业收入、利润总额、资产规模、存贷款规模等指标。 因区域划分口径差异等原因，中国银行(仅区分境内、港澳台及其他地区)、平安银行(按东南西北分区统 计)、渤海银行(采用华东地区分类)未纳入本次统计范围。 从存款占比来看，2024年共有3家银行超过20%。其中，交通银行在长三角存款占存款总规模的比例高 达27.65%，中信银行、农业银行这一数据为25.7%、23.5%。 | 表2: 存款 | | | | --- | --- | --- | | 银行名称 | 存款/百万元 | 占比/% | | 农业银行 | 6981158 | 23.5 | | 工商银行 | 6661782 | 19.1 | | 建设银行 | 5239658 | 18.25 | ...

Group 1 - The core viewpoint of the article highlights the successful issuance of two bonds by Zhejiang Zheshang Bank, each with a scale of 5 billion yuan and a maturity of 3 years, both rated AAA [2] - The bonds issued are the "Zhejiang Zheshang Bank Co., Ltd. 2025 Green Financial Bond (First Phase) (Bond Connect)" and the "Zhejiang Zheshang Bank Co., Ltd. 2025 Technology Innovation Bond (First Phase) (Bond Connect)" [2] - Shenwan Hongyuan Securities has collaborated with Zhejiang Zheshang Bank on a total of fifteen bond business projects, receiving continuous positive feedback from the client [2] Group 2 - Shenwan Hongyuan Securities actively responds to national strategic calls, focusing on serving green industries, strategic emerging industries, specialized and innovative industries, and inclusive finance [2] - The company contributes to the high-quality development of new productive forces by continuously enhancing its services in these key areas [2]