( 於中華人民共和國註冊成立的股份有限公司 ) A 股股票代碼 : 601916 H 股股票代碼 : 2016 中期報告 2025 重要提示 重大風險提示 2 浙商銀行股份有限公司 公司基本情況 | 1. | 公司中文名稱： | 浙商銀行股份有限公司（簡稱：浙商銀行） | | --- | --- | --- | | | 公司英文名稱： | CHINA ZHESHANG BANK CO., LTD.（簡稱：CZBANK） | | 2. | 法定代表人： | 陳海強（代行法定代表人職責） | | 3. | 註冊地址： | 中國浙江省杭州市蕭山區鴻寧路1788號 | | | 郵政編碼： | 311200 | | | 主要辦公地址： | 中國浙江省杭州市上城區民心路1號 | | | 郵政編碼： | 310020 | | | 電子郵箱： | ir@ czbank.com | | | 國際互聯網網址： | www.czbank.com | | | 服務及投訴電話： | 95527 | | | 投資者關係管理聯繫電話： | 86-571-88268966 | | | 傳真： | 86-571-87659826 | | 4. ...

线下活动"走心"：精准覆盖重点人群 "AI 换声骗你借钱、'高收益理财'挖坑？这些坑咱可别踩！" 为积极响应国家金融监督管理总局、中国人民银行、中国证券监督管理委员会关于金融教育宣传号召， 浙商银行紧扣"保障金融权益 助力美好生活"活动要求，聚焦真实案例、风险高发场景，于9月15日至21 日组织开展了"2025年金融教育宣传周"活动。 期间，浙商银行以"金融知识普及"为核心，针对校园、县域、乡村等重点场景和开学季等重要时点，通 过"线上+线下"多维教育宣传模式，精准对接不同人群需求，将专业金融知识转化为"大白话"，通过直 播拆解 AI 诈骗、机场快闪、机舱课堂等特色互动形式，打通金融教育"最后一公里"，覆盖超4000万人 次。通过实际行动，切实筑牢公众金融安全防线，彰显"金融为民"的责任担当。 线上直播"破圈"：让金融知识"唠"进心里 9月15日，金融教育宣传周启动当天，为打破传统金融知识传播的枯燥感，浙商银行打造"浙银消保·反 诈实验室"主题直播，聚焦校园、县域和社区三大诈骗高发场景，以"趣味实验+情景演绎+以案说险"的 创新形式拆解骗局。直播中，反诈达人"金博士"借助 AI 智能体、现场情景演绎，还原"A ...

茲提述浙商銀行股份有限公司（「本行」）日期為2025年9月1日的公告，內容有關 訂立增資認購協議（「該公告」）。除文義另有所指外，本公告所用詞彙與該公告所 界定者具有相同涵義。 香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示概不就因本公告全部或任何部分內容而產生或因倚賴 該等內容而引致的任何損失承擔任何責任。 CHINA ZHESHANG BANK CO., LTD. 浙商銀行股份有限公司 （於中華人民共和國註冊成立的股份有限公司） （股份代號：2016） 有關關連交易的補充信息 陳海強 執行董事、行長 中國，杭州 2025年9月23日 截至本公告日期，本行的執行董事為陳海強先生及馬紅女士；非執行董事為侯興 釧先生、任志祥先生、胡天高先生及應宇翔先生；獨立非執行董事為汪煒先生、 許永斌先生、傅廷美先生、施浩先生及樓偉中先生。 浙銀金租截至2024年12月31日及2025年6月30日之淨資產分別為人民幣78.37億元 及人民幣84.58億元，截至2024年12月31日及2025年6月30日之總資產分別為人民 幣783.27億元及人民幣86 ...

( 於中華人民共和國註冊成立的股份有限公司 ) A 股股票代碼 : 601916 H 股股票代碼 : 2016 中期報告 2025 重要提示 重大風險提示 本公司面臨的主要風險及擬採取的措施，請參見本報告「管理層討論與分析－風險管理」章節。 本報告中有關本公司未來計劃等前瞻性陳述不構成本公司對投資者的實質承諾，投資者及相關人士均應當對 此保持足夠的風險認識，並且應該理解計劃、預測與承諾之間的差異。 目錄 | 釋義 | 2 | | --- | --- | | 公司基本情況 | 3 | | 公司業務概要 | 5 | | 發展戰略及核心競爭力 | 6 | | 財務概要 | 10 | | 管理層討論與分析 | 12 | | 公司治理 | 65 | | 股份變動及股東情況 | 69 | | 董事、監事、高級管理人員、員工和機構情況 | 77 | | 重要事項 | 83 | | 中期財務資料的審閱報告 | 89 | 釋義 | 本公司、本行、我行、浙商銀行： | 浙商銀行股份有限公司 | | --- | --- | | 原中國銀保監會： | 原中國銀行保險監督管理委員會 | | 中國證監會： | 中國證券監督管理委員會 | ...

Core Viewpoint - The article highlights the efforts of Zheshang Bank in promoting financial education and fraud prevention during the "2025 Financial Education Promotion Week," emphasizing the importance of safeguarding financial rights and enhancing public awareness of financial risks [1][14]. Group 1: Online Initiatives - Zheshang Bank launched the "Zheshang Consumer Protection · Anti-Fraud Laboratory" themed live broadcast, focusing on high-risk fraud scenarios in campuses, counties, and communities, using innovative formats like experiments and situational performances to explain scams [2][4]. - The live broadcast attracted 151,000 viewers and received over 559,000 likes, with participants actively sharing anti-fraud tips in the comments [2]. - The bank also created a series of engaging short videos to simplify complex financial concepts, reaching 69,600 viewers [4]. Group 2: Offline Activities - Zheshang Bank organized various offline activities to cater to different demographic needs, including a financial knowledge flash event at Hangzhou Xiaoshan International Airport, providing travelers with bite-sized financial information [5]. - The bank conducted an "in-flight classroom" for new university students on a flight from Hangzhou to Guangzhou, focusing on fraud prevention [5]. - Specific initiatives were tailored for elderly clients, such as DIY workshops to help them recognize common scams related to retirement investments and health products [7]. Group 3: Community Engagement - The bank's "Hundred-Thousand-Ten Thousand" initiative involved financial advisors and volunteers engaging with rural communities to disseminate financial knowledge, collaborating with local governments and law enforcement [11]. - Events included a "Fraud Prevention Carnival" in Zhoushan, where real cases were shared in local dialects, making learning enjoyable for villagers [11]. - Interactive games and activities were used in various locations to teach practical financial knowledge, enhancing community engagement [11]. Group 4: Overall Impact - The comprehensive approach of combining online technology with offline experiences and deep community outreach transformed financial education from passive listening to active learning [14]. - Zheshang Bank aims to continue leveraging technology and collaboration to deepen financial education and contribute to a safer financial environment [14].

下一步，浙商银行合肥分行将持续践行"以客户为中心"的服务理念，贯彻落实"金融为民"理念，维护金 融市场秩序，向金融消费者做好风险提示工作。（柳杨） 编辑：赵鼎 日前，浙商银行合肥分行开展"财富投资"风险提示宣教活动，工作人员通过邀约行内客户、进企业、进 商户等方式向社会群体开展风险提示工作。 该行工作人员通过分享安徽省保险业协会最新"金融消费明白纸"，重点提示客户财富投资中需要注意的 事项要点，做到"盲目跟风不可取，独立决策防风险"，通过理性判断作出与自身风险承受能力匹配的决 策；了解"业绩基准非承诺，实际收益看表现"，产品业绩比较基准不代表产品最终收益；做好"细究赎 回规则，注意流动性管理"，消费者应根据产品类型和赎回规则，避免流动性不足影响正常生活。向金 融消费者做好"理财非存款、产品有风险、投资需谨慎"理念传导。 转自：新华财经 ...

浙商银行南昌分行各辖内网点利用厅堂电子屏、公众教育区，摆放金融教育宣传周活动主题海报及各类 金融知识宣传折页，营造浓厚宣传氛围，通过金融知识讲堂、"一对一"宣讲等形式向广大市民宣传金融 知识，揭示金融风险，提示防范技巧，发挥网点宣传阵地作用。 转自：新华财经 为切实提升社会公众金融素养及风险防范能力，维护金融消费者合法权益，响应"2025年金融教育宣传 周"活动号召，浙商银行南昌分行紧扣"保障金融权益 助力美好生活"宣传主题，聚焦公众关注的金融热 点与难点，充分拓展活动覆盖面和触达率，提升活动有效性和影响力，推动金融知识和风险提示深入基 层、直达群众。 浙商银行南昌分行通过此次金融教育宣传周活动，有利于提升公众对金融知识的认知水平和风险防范意 识。下一步，浙商银行南昌分行将持续贯彻落实常态化金融知识普及工作，积极履行金融企业社会责 任，让金融权益保护意识深入人心，为构建和谐、健康的金融生态环境贡献力量。（陈峰） 编辑：穆皓 在2025年金融教育宣传周集中宣传活动期间，浙商银行南昌分行通过互动游戏、案例讲解等形式，向群 众普及非法集资识别、个人信息保护、理性投资等知识，寓教于乐、反响热烈，提升群众参与度与获得 ...

Market Performance - On September 22, the share price of the joint-stock bank sector fell by 0.63%, with Pudong Development Bank leading the decline [1] - The Shanghai Composite Index closed at 3828.58, up 0.22%, while the Shenzhen Component Index closed at 13157.97, up 0.67% [1] Individual Bank Performance - Citic Bank closed at 7.39, down 0.14% with a trading volume of 358,600 shares and a transaction value of 266 million yuan [1] - China Merchants Bank closed at 40.92, down 0.20% with a trading volume of 656,100 shares and a transaction value of 2.688 billion yuan [1] - Minsheng Bank closed at 4.04, down 0.25% with a trading volume of 2.3409 million shares and a transaction value of 946 million yuan [1] - Everbright Bank closed at 3.45, down 0.29% with a trading volume of 1.7881 million shares and a transaction value of 617 million yuan [1] - Huaxia Bank closed at 6.77, down 0.59% with a trading volume of 492,100 shares and a transaction value of 334 million yuan [1] - Ping An Bank closed at 11.38, down 0.61% with a trading volume of 596,400 shares and a transaction value of 680 million yuan [1] - Zhejiang Commercial Bank closed at 3.01, down 0.66% with a trading volume of 1.0164 million shares and a transaction value of 307 million yuan [1] - Industrial Bank closed at 20.13, down 0.79% with a trading volume of 522,200 shares and a transaction value of 1.056 billion yuan [1] - Pudong Development Bank closed at 12.54, down 2.11% with a trading volume of 491,800 shares and a transaction value of 620 million yuan [1] Capital Flow Analysis - The joint-stock bank sector experienced a net inflow of 164 million yuan from institutional investors, while retail investors saw a net inflow of 118 million yuan [1] - However, speculative funds had a net outflow of 282 million yuan [1] Detailed Capital Flow for Individual Banks - China Merchants Bank had a net inflow of 324 million yuan from institutional investors, but a net outflow of 214 million yuan from speculative funds [2] - Huaxia Bank saw a net outflow of 1.172 million yuan from institutional investors, but a net inflow of 385,400 yuan from speculative funds [2] - Citic Bank experienced a net outflow of 639,310 yuan from institutional investors and a net outflow of 176,290 yuan from speculative funds [2] - Industrial Bank had a net outflow of 1.297 million yuan from institutional investors and a net outflow of 36.539 million yuan from speculative funds [2] - Ping An Bank faced a net outflow of 1.862 million yuan from institutional investors, while retail investors contributed a net inflow of 1.607 million yuan [2] - Zhejiang Commercial Bank had a net outflow of 1.953 million yuan from institutional investors, but a net inflow of 1.398 million yuan from retail investors [2] - Everbright Bank saw a net outflow of 2.857 million yuan from institutional investors, with a net inflow of 4.665 million yuan from retail investors [2] - Pudong Development Bank had a net outflow of 3.323 million yuan from institutional investors, but a net inflow of 5.201 million yuan from retail investors [2] - Minsheng Bank experienced a net outflow of 4.007 million yuan from institutional investors, while retail investors contributed a net inflow of 4.548 million yuan [2]

这一双项荣誉的取得，源于浙商银行北京分行对消费者权益保护工作的高度重视和创新探索。北京分行 积极顺应数字化传播趋势，精心打造了一系列内容丰富、形式新颖的金融知识普及短视频，通过社交媒 体平台触达更广泛的受众群体，有效提升了金融教育的传播效果和社会影响力。 未来，浙商银行北京分行将继续深耕金融消费者教育领域，不断创新内容形式和传播渠道，以更优质、 更生动、更高效的金融知识普及作品，履行金融机构的社会责任，切实保护消费者合法权益，为构建健 康和谐的金融环境持续贡献专业力量。 展播盛典在国家金融监督管理总局北京监管局领导的致辞中拉开帷幕。本届盛典发布的四大类优秀短视 频评选结果中，浙商银行北京分行表现突出，一举斩获两项大奖："金融基础知识普及类"十佳短视频 和"金融便民惠民服务类"十佳短视频。 近日，在由国家金融监督管理总局北京监管局指导，北京广播电视台财经频道与北京市银行业协会等单 位联合举办的第二届"首都金融卫士"优秀短视频展播活动上，浙商银行北京分行荣获两项"十佳短视 频"大奖。 ...

Core Viewpoint - The article emphasizes the importance of distinguishing between various bank wealth management products with similar names and characteristics, providing a weekly performance ranking of these products to assist investors in making informed choices [1][2]. Group 1: Product Performance Rankings - The article presents a ranking of wealth management products based on their annualized returns for different holding periods: 7 days, 14 days, 30 days, and 60 days [1]. - For the 7-day holding period, the top-performing product is from Minsheng Bank with an annualized return of 9.75% [4]. - The 14-day holding period rankings show Minsheng Bank's product achieving an annualized return of 8.34% [6]. - In the 30-day holding period, Hangzhou Bank leads with a return of 24.26% [11]. - For the 60-day holding period, China Bank's product tops the list with a return of 26.21% [15]. Group 2: Investment Institutions - The ranking includes products from 28 distribution institutions, such as Industrial and Commercial Bank of China, Bank of China, Agricultural Bank of China, and others [1]. - The performance data is sourced from the Nanfang Financial Terminal, ensuring a comprehensive overview of available products [4][11][15]. Group 3: Methodology and Data Collection - The performance metrics are calculated based on the annualized yield over the respective holding periods, with the same institution and product series retained for comparison [1]. - The article advises investors to refer to the actual product listings on the banks' apps, as availability may vary due to factors like quota exhaustion [1].