证券代码：601916 证券简称：浙商银行 公告编号：2025-029 浙商银行股份有限公司 第七届董事会 2025 年第四次临时会议决议公告 二、通过《浙商银行股份有限公司 2025 年度业务经营计划》 表决结果：12票赞成，0票反对，0票弃权。 事会 2025 年第四次临时会议于 2025 年 4 月 29 日发出会议通知，以书面传签方 式召开，表决截止日为 2025 年 5 月 12 日。本公司董事会现有董事 12 名，实际 参与书面传签表决的董事共 12 名。本次会议的召开符合法律、法规、部门规章、 其他规范性文件和《浙商银行股份有限公司章程》的规定。 会议审议通过了以下议案： 一、通过《浙商银行股份有限公司 2025 年度财务预算报告》 表决结果：12票赞成，0票反对，0票弃权。 本议案已经公司董事会战略与可持续发展委员会审议通过。 本议案需提交股东大会审议。 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。 浙商银行股份有限公司（以下简称"本公司"或"浙商银行"）第七届董 本议案已经公司董事会战略与可持续发展委员会审 ...

证券代码：601916 证券简称：浙商银行 公告编号：2025-029 浙商银行股份有限公司 第七届董事会 2025 年第四次临时会议决议公告 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。 表决结果：12票赞成，0票反对，0票弃权。 本议案已经公司董事会战略与可持续发展委员会审议通过。 会议审议通过了以下议案： 一、通过《浙商银行股份有限公司 2025 年度财务预算报告》 表决结果：12票赞成，0票反对，0票弃权。 本议案已经公司董事会战略与可持续发展委员会审议通过。 本议案需提交股东大会审议。 二、通过《浙商银行股份有限公司 2025 年度业务经营计划》 浙商银行股份有限公司（以下简称"本公司"或"浙商银行"）第七届董 事会 2025 年第四次临时会议于 2025 年 4 月 29 日发出会议通知，以书面传签方 式召开，表决截止日为 2025 年 5 月 12 日。本公司董事会现有董事 12 名，实际 参与书面传签表决的董事共 12 名。本次会议的召开符合法律、法规、部门规章、 其他规范性文件和《浙商银行股份有限公司章程》 ...

Group 1 - The core viewpoint of the article highlights the recent surge in gold investment and the associated risks of using credit cards for speculative trading in gold, prompting several banks to issue warnings [1] - Major banks such as China Construction Bank, Industrial Bank, Guangfa Bank, and Zheshang Bank have emphasized strict control over credit card usage for gold trading, citing the rise of illegal activities that lure cardholders with promises of low thresholds and high returns [1] - The banks' announcements indicate that such practices violate credit card usage regulations and pose significant financial risks, as losses from gold price fluctuations could lead to additional costs for cardholders, including interest on overdue payments and negative credit records [1] Group 2 - According to relevant regulations, credit cards are intended solely for personal consumption by the cardholder and are prohibited from being used for investment purposes, including but not limited to precious metals like gold, stocks, and funds [1]

Investment Rating - The report maintains an "Increase" rating for the banking sector [5] Core Insights - The report highlights that by the end of 2024, the bond investments of 42 listed banks significantly contributed to their performance, particularly due to the continuous decline in bond market interest rates, with a cumulative drop of 88 basis points in the 10-year government bond yield [1] - The report emphasizes the substantial floating profits accumulated in the FV-OCI financial assets due to fair value changes, which banks have utilized to support their performance through timely disposals of financial assets [1][4] - The report identifies that the floating profits from FV-OCI assets are particularly significant for certain city commercial banks and rural commercial banks, with some banks showing floating profit to profit ratios exceeding 100% [2][3] Summary by Sections 1. FV-OCI Floating Profit Situation - State-owned banks dominate the floating profit scale, with China Construction Bank and Agricultural Bank of China exceeding 50 billion yuan in floating profits by the end of 2024 [1] - City and rural commercial banks show high ratios of FV-OCI floating profits to profits, with Lanzhou Bank reaching 126.9% [2] - The contribution of FV-OCI floating profits to core Tier 1 capital is significant for several city and rural commercial banks, with notable increases year-on-year [3] 2. Financial Asset Disposal Income Situation - In 2024, listed banks disposed of AC financial assets generating a total income of 50.29 billion yuan, an increase of 82.5% year-on-year, and FV-OCI financial assets generating 85.36 billion yuan, an increase of 134.4% year-on-year, leading to a total disposal income of 135.6 billion yuan [4][8] - The report notes that while the disposal income is significant, it does not imply a substantial increase in the scale of asset disposals, as the gains are influenced by the declining interest rates in the bond market [4] 3. Sector Outlook - The report suggests that while short-term impacts from tariff policies may affect exports, long-term domestic policies aimed at stabilizing real estate, promoting consumption, and enhancing social welfare are expected to support economic growth [9] - The banking sector is anticipated to benefit from policy catalysts, with specific banks like Ningbo Bank, Postal Savings Bank, and China Merchants Bank highlighted as potential investment opportunities [9]

Core Viewpoint - Zhejiang Commercial Bank's Zhuhai branch has been fined 350,000 yuan due to serious violations of prudent operation rules in its loan business, and an employee has been banned from the banking industry for five years [1][3]. Group 1: Regulatory Actions - The Zhuhai branch of Zhejiang Commercial Bank was fined 350,000 yuan for serious violations of prudent operation rules [1][2]. - Xu Yangjian, a customer manager at the Zhuhai branch, has been prohibited from engaging in banking activities for five years due to similar violations [1][2]. - The National Financial Supervision and Administration issued the penalty information recently [1]. Group 2: Background Information - Zhejiang Commercial Bank is one of the twelve national joint-stock commercial banks, officially established on August 18, 2004, with its headquarters in Hangzhou, Zhejiang [3]. - The Zhuhai branch was established on March 1, 2018, and is the 13th "A+H" listed bank in China [3]. - Violations of prudent operation rules are a significant portion of penalties issued by financial regulatory authorities, emphasizing the importance of risk management and internal controls in the financial industry [3]. Group 3: Previous Penalties - In January, Zhejiang Commercial Bank was fined 16.8 million yuan for various violations, including inaccurate classification of small and micro enterprises and serious violations in cross-border loan management [3]. - In March, the bank's Binhai New District branch was fined 300,000 yuan for inadequate post-loan management [3]. - In April, the Hangzhou branch was fined 700,000 yuan for issues related to personal business loans, including signing blank contracts and concealing actual loan amounts from guarantors [4].

（以上内容为金融界基于公开消息，由程序或算法智能生成，不作为投资建议或交易依据。） 截至5月9日收盘，浙商银行（02016.HK）报2.660港元，较上个交易日上涨1.92%，当日盘中最高价触 及2.660港元，创近一年新高。 资金流向方面，当日主力流入1118.608万港元，流出416.929万港元，净流入701.68万港元。 浙商银行股份有限公司是十二家全国性股份制商业银行之一,于2004年8月18日正式开业,总部设在浙江杭 州,系全国第13家"A+H"上市银行。开业以来,浙商银行立足浙江,放眼全球,稳健发展,已成为一家基础扎 实、效益优良、风控完善的优质商业银行。浙商银行以"一流的商业银行"愿景为统领,全面构建"正、 简、专、协、廉"五字政治生态,大力发扬四干精神,练好"善、智、勤"三字经,坚持"夯基础、调结构、控 风险、创效益"十二字经营方针,践行善本金融,坚持智慧经营,垒好经济周期弱敏感资产压舱石,扎实推进 321经营策略,以数字化改革为主线,全面开展以客户为中心的综合协同改革,以"深耕浙江"为首要战略,财 富管理全新启航,大零售、大公司、大投行、大资管、大跨境五大业务板块齐头并进、综合协同发展,实 ...

金十数据5月9日讯，浙商银行发布公告称，近期黄金市场价格波动剧烈，一些不法分子利用投资者急于 获利心理，通过虚假宣传、诱导操作等方式，怂恿持卡人使用信用卡资金涉足"炒金"投资。这种行为不 仅违背信用卡使用的相关规定，更因黄金市场的高度不确定性，使持卡人面临巨大资金风险。一旦黄金 价格大幅下跌，持卡人将承受投资亏损、交易手续费等多项损失，还可能因还款压力导致逾期，产生不 良信用记录。信用卡资金仅可用于持卡人本人日常消费，严禁以任何形式投入投资理财领域，包括但不 限于黄金等投资性贵金属、股票、期货、期权等。 浙商银行：进一步明确信用卡资金不得用于黄金投资领域 ...

对此，苏商银行特约研究员武泽伟在接受记者采访时表示，六大国有行2024年分红总额大幅高于上一 年，这体现了银行业盈利能力的强劲及管理层对加大股东回报的重视。他进一步分析称，银行加大分红 主要有三大原因：第一，六大行净利润实现稳健增长，强劲的盈利能力成为六大行进行高分红的底气； 第二，过去监管层屡次强调上市公司要通过分红、回购等方式，增强投资者回报，银行通过大力分红响 应落实监管要求；第三，体现了银行管理层对市值管理的重视，通过高频分红、定期分红等，可以坚定 投资者长期持有公司股票的信心。 武泽伟指出，对于银行自身而言，加大分红力度，可以强化投资者对银行股"压舱石"属性的认可，吸引 社保、险资等中长期资金加大对银行板块的配置力度，从而促进银行股整体估值水平上升和股价水平上 涨。 随着近期财报的陆续披露完毕，各家上市银行去年分红情况也浮出水面。已公告的A股42家上市银行 2024年度累计分红总额为6315.42亿元，其中作为分红的"主力军"，六大国有行2024年现金分红总额达 到约4206.36亿元，大幅高于上一年。另外，今年部分银行的分红落地时间也大幅提前。 4月29日晚间，西安银行（600928）、苏农银行（ ...

Core Viewpoint - The current economic environment presents a common challenge for commercial banks to maintain their fundamentals while leveraging policy opportunities for business upgrades. Zhejiang Commercial Bank has demonstrated resilience by achieving growth in both net interest income and net profit amidst industry pressures [1]. Financial Performance - As of March 31, 2025, Zhejiang Commercial Bank reported a revenue of 17.105 billion yuan and a net interest income of 11.981 billion yuan, reflecting a year-on-year growth of 1.38%. The net profit attributable to shareholders reached 5.949 billion yuan, with a growth of 0.61% [1]. - The bank's total assets exceeded 3.4 trillion yuan, growing by 3.54% from the previous year, with total loans and advances amounting to 1.89 trillion yuan, an increase of 1.81% [3]. Asset and Liability Management - The bank has focused on optimizing its asset-liability structure, with total liabilities reaching 3.24 trillion yuan, a growth of 3.67%. Total deposits amounted to 2.01 trillion yuan, up by 4.37% [3]. - The bank is transitioning from an "asset-driven" to a "liability-driven" model, successfully reducing the deposit interest rate for four consecutive years, which has helped mitigate the pressure from narrowing interest margins [4]. Risk Management - The non-performing loan ratio has decreased for three consecutive years, reaching 1.38% by the end of Q1 2025, indicating improved asset quality and risk management capabilities [4]. Strategic Initiatives - Zhejiang Commercial Bank has implemented the "Five Major Articles" strategy to enhance its service to the real economy, focusing on small and micro enterprises. By the end of 2024, the bank had added over 6,200 first-time loan clients, with a loan balance for small and micro enterprises reaching 355.425 billion yuan, a growth of 11.03% [7]. - The bank has also developed a "Talent Bank" to provide financial services to high-level talent startups, serving 30,712 technology enterprises with a financing balance of 367.4 billion yuan by the end of 2024 [8]. Social Responsibility and Sustainable Development - The "Good Financial" concept emphasizes the importance of social value and sustainable development in the financial sector. This approach has led to the establishment of a comprehensive financial service model that supports the real economy [10]. - The bank's financial advisor system has facilitated over 10,330 enterprises in securing financing exceeding 1.08 trillion yuan, demonstrating its commitment to supporting private enterprises and industrial upgrades [11].

Group 1 - The Shenyang to Changbai Mountain High-Speed Railway (Shenbai High-Speed Railway) has completed its track laying, marking a significant milestone for its operational readiness [1][2] - The railway spans 430 kilometers with a design speed of 350 kilometers per hour, connecting seven cities in Liaoning Province and ending at Changbai Mountain Station [1][2] - The railway is expected to open in September 2023, reducing travel times from Shenyang and Beijing to Changbai Mountain to 1.5 hours and under 4 hours, respectively [2] Group 2 - The Shenbai High-Speed Railway is a crucial part of the national medium- and long-term railway network plan, enhancing connectivity in Northeast China [2][3] - With the completion of this railway, Liaoning Province will achieve its goal of having high-speed rail access to all cities, becoming the 11th province in China to do so [2][3] - The railway will significantly improve access to tourism in Northeast China, linking the Beijing-Tianjin-Hebei region with the region's winter tourism offerings [2][3] Group 3 - Shenyang is already a core node in Northeast China's high-speed rail network, with existing lines such as Harbin-Dalian, Beijing-Shenyang, and Shenyang-Danjiangkou [3] - The addition of the Shenbai High-Speed Railway will complete the eastward high-speed rail gap for Shenyang, forming a "米" shaped high-speed rail framework [3] - By 2025, the national railway operating mileage target is set at 165,000 kilometers, with high-speed rail expected to reach 50,000 kilometers [3]