证券代码：601916 证券简称：浙商银行 公告编号：2025-022 浙商银行股份有限公司 关于诉讼事项的公告 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。 重要内容提示： 案件所处的诉讼阶段：已立案未开庭 上市公司所处的当事人地位：原告 涉案的金额：借款本金 1,950,000,000.00 元，相应欠息、逾期利息、复利、 罚息、律师费等，暂共计 2,317,242,502.48 元。 是否会对上市公司损益产生负面影响：该笔债权有相应抵押、质押财产 并且本公司已对该笔融资计提了相应的损失准备，预计该诉讼事项不会对本公 司的本期利润或期后利润产生重大影响。 浙商银行股份有限公司深圳分行（以下简称"深圳分行"）因与深圳市森 森海实业有限公司、汪帮、深圳高题天德科技有限公司、黎建棠金融借款合同 纠纷，向深圳市中级人民法院递交起诉状。近日，深圳分行收到深圳市中级人 民法院的受理通知书。现将本次诉讼的相关事项披露如下： 一、有关本案的基本情况 （一）案件当事人 原告：浙商银行股份有限公司深圳分行 被告：深圳市森森海实业有限公司（" ...

( 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 年度報告 2024 智 慧 經 營 善 本 金 融 人 文 浙 銀 重要提示 本公司董事會、監事會及董事、監事和高級管理人員保證年度報告內容的真實、準確、完整，不存在虛假記 載、誤導性陳述或重大遺漏，並承擔個別和連帶的法律責任。 本公司第七屆董事會第四次會議於2025年3月28日審議通過了《浙商銀行股份有限公司2024年度報告及摘要》。 本公司實有董事12名，親自出席的董事11名，任志祥董事委託應宇翔董事出席會議，出席人數符合《中華人民 共和國公司法》和本公司章程的規定。本公司9名監事列席了本次會議。 本公司審計師畢馬威華振會計師事務所（特殊普通合夥）和畢馬威會計師事務所已分別對本公司按照中國會計準 則和國際財務報告會計準則編製的2024年度財務報告進行了審計，並分別出具了標準無保留意見的審計報告。 本報告除特別說明外，金額幣種為人民幣。本報告所載若干金額及百分比數字已作四捨五入調整。任何表格中 總數與金額總和間的差異均由於四捨五入所致。 本公司董事會建議派發2024年度現金股息，每10股分配現金股 ...

Financial Performance - The total assets of the company reached RMB 3.3 trillion, marking a significant milestone[11]. - The company reported continuous growth in net profit, maintaining a positive growth trend[11]. - The non-interest income saw a substantial increase, contributing to the overall revenue growth[11]. - In 2024, the company's operating income reached 67.702 billion CNY, an increase of 6.18% year-on-year[33]. - Net profit attributable to shareholders was 15.186 billion CNY, reflecting a growth of 0.92% compared to the previous year[33]. - Total assets amounted to 3.33 trillion CNY, up 5.78% from the end of the previous year[33]. - The total amount of loans and advances was 18.6 trillion CNY, increasing by 8.21% year-on-year[33]. - The bank's net profit for 2024 was CNY 15.693 billion, up from CNY 15.493 billion in 2023, indicating a steady growth trend[66]. - Operating income for 2024 was CNY 67.702 billion, compared to CNY 63.764 billion in 2023, showing an upward trajectory[67]. - The non-interest income reached CNY 22.545 billion in 2024, a significant increase from CNY 16.236 billion in 2023[68]. Asset Quality and Risk Management - The company has achieved a reduction in the non-performing loan ratio for three consecutive years[16]. - The non-performing loan ratio at the end of 2024 was 1.38%, with a provision coverage ratio of 178.67%, indicating improved asset quality[19]. - The bank's non-performing loan ratio improved to 1.38% in 2024, down from 1.44% in 2023, reflecting better asset quality management[72]. - The bank has achieved record levels in handling non-performing assets, emphasizing risk management as a top priority[20]. - The company maintains a prudent risk appetite, focusing on "small and diversified" credit principles to support the real economy[165]. - The risk management framework includes a Chief Risk Officer and various committees to oversee comprehensive risk management[166]. - The company has strengthened its credit management system, implementing a unified credit management policy for corporate clients to enhance overall credit control and risk prevention measures[171]. - The company has established a comprehensive risk management framework for anti-money laundering (AML) in compliance with relevant laws and regulations in China[198]. Regional Support and Market Position - Financing services provided to the Zhejiang province exceeded RMB 1 trillion, demonstrating strong regional support[16]. - The financing service volume for Zhejiang province exceeded 1 trillion for the first time, with the bank ranking first in local bond underwriting[21]. - The company has been recognized as the "Most Satisfied Bank for Private Enterprises" in Zhejiang for five consecutive years[16]. - The bank ranked first in underwriting local government bonds in Zhejiang, with an issuance of CNY 40.3 billion in 2024, accounting for 8.48% of the market share[52]. Digital Transformation and Innovation - The company launched a series of influential brands, including supply chain finance and talent innovation finance, as part of its digital transformation strategy[16]. - The company aims to deepen digital transformation and develop five major business segments: retail, corporate, investment banking, asset management, and cross-border services[42]. - The company has developed a comprehensive digital inclusive finance brand, introducing products like "Digital Easy Loan" and "Digital Science Loan" to enhance service capabilities[49]. - The company is focusing on customer-centric comprehensive collaborative reforms to enhance service to the real economy and promote inclusive finance[199]. Talent Development and Organizational Culture - The bank has implemented a "123 Talent Plan" to enhance employee engagement and create a positive organizational culture[19]. - The company has implemented a "123 Talent Plan" to enhance talent reserves, focusing on young and highly educated professionals[44]. - The company aims to enhance its financial technology and retail talent development to optimize expenditure structure and improve management capabilities[109]. Compliance and Governance - The company is committed to compliance and governance, enhancing its regulatory image and operational efficiency[25]. - The compliance risk management framework has been enhanced to ensure legal and regulatory compliance, with ongoing initiatives to improve compliance risk management effectiveness[192]. - The company has actively engaged in compliance image enhancement activities, promoting internal control and compliance requirements among employees[193]. Customer Base and Service Enhancement - The company increased its retail customer base to 11.6654 million, representing a growth of 20.75% compared to the beginning of the year[200]. - The company is exploring platform-driven customer acquisition models through collaborative partnerships[200]. - The company has implemented online operations to effectively enhance the value extraction of existing customer bases[200].

Core Viewpoint - Zhejiang Merchants Bank Shanghai Branch is committed to supporting the private economy by implementing various financial support policies and enhancing financial services for private enterprises [1][7] Group 1: Support for Private Enterprises - The bank actively reduces financing costs for private enterprise clients by implementing differentiated pricing strategies, offering loan interest rate discounts, and expanding the coverage of fee reductions [1] - The bank promotes seamless loan renewals and expansions, adhering to the requirements of the national financial supervision authority to enhance the coverage of seamless loan renewals for small and micro enterprises [1] - The bank is focused on reducing the financial burden on private enterprises by waiving various fees and costs associated with banking services [1] Group 2: Integrated Financial Services - The bank accelerates the reform of integrated financial services centered on customer needs, utilizing a comprehensive service model that combines commercial banking, transaction banking, investment banking, and private banking [2] - The bank enhances collaboration between small and large enterprises by leveraging cross-departmental coordination and providing comprehensive financial services through joint marketing and project collaboration [2] - The bank supports private enterprise bond issuance, particularly through risk mitigation instruments, to improve market acceptance and reduce financing costs [2] Group 3: Financing Service Mechanisms - The bank aims to establish effective financing service mechanisms by enhancing cooperation with government-backed financing guarantee companies to provide better financial services for small and micro enterprises [3] - The bank conducts extensive outreach and research activities to address the urgent needs of private clients, ensuring a responsive organizational structure to meet market demands [3] Group 4: Digital Financial Ecosystem - The bank is developing a comprehensive digital financial service model that integrates digital reform with practical applications to create a collaborative digital ecosystem for supply chain financing [4] - The bank is focused on leveraging data value by utilizing digital financial platforms to provide services to underserved groups and enhance credit data applications [5] Group 5: Service System and Risk Control - The bank is simplifying approval processes to improve service efficiency, aiming to reduce unnecessary steps and shorten loan approval times for private enterprises [6] - The bank is enhancing resource allocation and incentive mechanisms to direct more credit resources towards private enterprises, particularly in manufacturing and green finance [6] - The bank is optimizing risk control strategies by focusing on the primary repayment sources and reducing reliance on collateral, while enhancing credit information sharing with government and industry associations [6]

会议呼吁，银行金融科技子公司要进一步深化跨领域协作，共同推动金融科技在服务实体经济、助力民 生发展中释放更大价值，携手做好"五篇大文章"，在技术创新的浪潮中勇立潮头，书写金融科技高质量 发展新篇章，为金融强国建设贡献力量。 本报讯(记者李冰)日前，第四届银行金融科技公司研讨会在上海举行。本次研讨会由中银金融科技有限 公司与中国互联网协会数字金融工作委员会联合主办。工银科技、农银金科、建信金科、交通银行 （601328）金融科技部、邮储银行（601658）软件研发中心、中信科技、民生科技、兴业数金、龙盈智 达、浙商银行（601916）、北银金科、南京银行（601009）、金电公司、成方金科、成方金信、腾讯金 融云、上海金融数据港（603881）等机构代表参加会议。会议由中银金科党委书记、董事柯建勋主持， 中国互联网协会数字金融工作委员会张永福作发言，中国人民银行科技司李伟出席会议。 本次研讨会以"数智驱动.生态共赢——构建金融科技高质量发展新格局"为主题，聚焦银行系金融科技 公司的发展实践，搭建专业交流的互动平台，促进同业间的经验互鉴与战略协同。会议采用"集中学习 +主题演讲+讨论交流"的方式开展。主题演讲环节 ...

Core Viewpoint - The article highlights the innovative approach of Zhejiang Zheshang Bank in providing financial support to technology-driven enterprises by focusing on "soft information" such as talent and technology rather than traditional collateral and cash flow metrics [1][5][6]. Group 1: Company Overview - Heli Technology Co., Ltd., founded in June 2018, specializes in industrial digitalization and AI technology, with over 60% of its workforce dedicated to R&D [1]. - Zhejiang Zheshang Bank has approved a credit limit of 25 million yuan for Heli Technology through its "Talent Bank" product, emphasizing the importance of talent in assessing creditworthiness [1]. Group 2: Financial Support Mechanisms - The bank's "Talent Bank" model focuses on understanding the talent within technology companies, allowing for credit assessments based on the capabilities of the management team and the market competitiveness of their products [5][6]. - In 2022, the bank provided a credit line of 30 million yuan to Jiangfeng Electronic Materials Co., Ltd., a leader in chip materials, based on the expertise of its chairman, a national-level talent [4]. Group 3: Challenges Faced by Tech Companies - Technology companies often face challenges such as unstable cash flow, lack of sufficient collateral, long R&D cycles, and high risks compared to traditional industries [5][6]. - For instance, Zhejiang Fubao Intelligent Technology Co., Ltd. experienced a surge in orders for its robots but faced significant funding pressure for production [3]. Group 4: Market Trends and Insights - The article notes a growing trend of financial institutions, including Zhejiang Zheshang Bank, exploring ways to support early-stage technology companies by addressing their unique financing needs [2][5]. - As of the end of 2024, Zhejiang Zheshang Bank has served 30,712 technology enterprises with a financing balance of 367.4 billion yuan, indicating a robust commitment to supporting the tech sector [7][8].

Core Viewpoint - After a prolonged leadership vacancy and internal turmoil, Zhejiang Commercial Bank has appointed Chen Haiqiang as the new president, who emphasizes microfinance and risk management. However, the bank faces significant compliance and operational challenges, highlighted by recent regulatory penalties and declining profitability metrics [1][3][4]. Regulatory Issues - Zhejiang Commercial Bank's Changzhou branch was fined 500,000 yuan for inadequate verification of trade backgrounds in bank acceptance bill operations [1][2]. - The bank has faced over 20 regulatory penalties in 2025 alone, totaling more than 20 million yuan, which is double the total fines from 2024 [3][12][14]. Financial Performance - In 2024, Zhejiang Commercial Bank reported total assets of 3.33 trillion yuan, a year-on-year increase of 5.78%, with net profit growth slowing to just 0.92% [4][6]. - The bank's net profit growth has significantly declined from double digits in previous years to below 1% in 2024, indicating a troubling trend in profitability [4][7]. Asset Quality and Risk Management - The bank's non-performing loan ratio stood at 1.38%, which, while improved, remains high compared to peers like Hangzhou Bank [9]. - Credit impairment losses reached 28.2 billion yuan in 2024, with cumulative losses exceeding 80 billion yuan over three years, severely impacting profitability [9][11]. Market Position and Competition - Zhejiang Commercial Bank's market share and asset scale are under pressure from rising competitors in the Jiangsu and Zhejiang regions, such as Hangzhou Bank and Ningbo Bank [7][8]. - The bank's aggressive expansion strategy has led to a high concentration of real estate loans, raising concerns about its risk resilience [9][10]. Leadership and Management Challenges - The bank has experienced significant leadership instability, with multiple executives facing corruption investigations, which has adversely affected internal controls and market confidence [16][17]. - Chen Haiqiang's leadership aims to shift the bank's focus from rapid growth to sustainable value creation, addressing previous compliance and operational deficiencies [17][18].

Group 1 - The core focus of Fubao Intelligent Technology Co., Ltd. is on humanoid robots in the medical and elderly care sectors, with significant order intentions signed at the Canton Fair [1][2] - The company has seen a surge in orders due to the implementation of rural revitalization policies and its products being included in the official service robot list for the Asian Games [2] - Fubao Intelligent's business model transitions from B-end medical scenarios to G-end elderly care communities, and finally to C-end users, indicating a growth trajectory from startup to maturity [4] Group 2 - Zhejiang Zheshang Bank provided a timely loan of 10 million yuan to Fubao Intelligent to alleviate production funding pressures, showcasing the importance of financial support for tech companies [3][4] - The bank's approach includes offering differentiated financial services tailored to the development stages of tech companies, focusing on social value rather than just financial metrics [4][5] - The bank's "Shan Ke Accompanying Plan" aims to support tech companies through various dimensions, enhancing their growth and innovation capabilities [5] Group 3 - Ningbo Jiangfeng Electronic Materials Co., Ltd. is a key player in the semiconductor sputtering target material industry, having established a production base for ultra-pure metals and sputtering targets [6][7] - Jiangfeng Electronic has expanded its operations and is in need of financial support for its growth and the support of its incubated startups [8] - Zhejiang Zheshang Bank has provided credit facilities to Jiangfeng Electronic and its related companies, demonstrating a commitment to supporting the entire industrial chain [8][9] Group 4 - The bank has also introduced innovative financial products, such as the first knowledge property securitization product in Ningbo, to support tech companies like Heli Shikayoubei Technology Co., Ltd. [12][13] - The financial services provided by the bank are designed to connect various funding sources and support the innovation ecosystem, emphasizing the role of finance as a facilitator of technological advancement [12][13] - The establishment of the "Shan Shu Technology Financial Platform" aims to enhance the accessibility of financial resources for tech companies, promoting deeper integration of financial and technological elements [13]

Core Viewpoint - The article discusses the commencement of the bank dividend season in China, highlighting the significant cash dividends announced by various banks, particularly state-owned banks, and the trends in dividend distribution for 2024. Group 1: Dividend Announcements - Starting from this week, the bank dividend season officially begins, with China Bank announcing a cash dividend of 0.1216 yuan per share for the year-end of 2024 [2] - As of April 23, 36 banks have disclosed their dividend plans, with a total dividend amount of 616.26 billion yuan, including over 230 billion yuan in interim dividends from the previous year [3][8] - China Bank's annual dividend distribution is notably earlier than in previous years, which typically occurred between June and July [5] Group 2: Dividend Distribution Details - According to the distribution plan, China Bank will distribute a total cash dividend of 35.798 billion yuan based on its total ordinary share capital of 29.4388 billion shares, with A-shares accounting for 25.629 billion yuan of this total [6][7] - The total cash dividend for the year 2024, including interim dividends, amounts to 0.2424 yuan per share, totaling approximately 71.36 billion yuan [7] Group 3: Performance of Major Banks - The six major state-owned banks have collectively announced dividends exceeding 420 billion yuan, with all six banks increasing their dividend amounts compared to the previous year, totaling nearly 100 billion yuan more [8][9] - The total dividend amount for the six major banks accounts for over 70% of the entire banking sector's dividend total, indicating their strong profitability and dividend capacity [9] Group 4: Dividend Yields and Trends - Industrial and Commercial Bank of China leads with a dividend amount of 109.773 billion yuan, followed by China Construction Bank with 100.754 billion yuan, and Agricultural Bank of China and China Bank with 84.661 billion yuan and 71.36 billion yuan, respectively [9][10] - The average dividend payout ratio for state-owned banks remains stable at 30% or higher, with an increasing trend in dividend frequency to twice a year [9][11] Group 5: Individual Bank Strategies - China Merchants Bank plans to initiate interim dividends for 2025, marking its first such distribution, with a cash dividend ratio of 35.3% last year [10] - Other banks, such as Industrial Bank and Huaxia Bank, have also committed to maintaining or increasing their dividend payout ratios above 30% [11][15] - Zhejiang Merchants Bank's cash dividend for 2024 is 4.284 billion yuan, maintaining a payout ratio above 30%, although slightly lower than previous years [13] Group 6: Overall Market Sentiment - The trend of increasing dividends is seen as a way to enhance investor confidence and stabilize stock prices, with analysts emphasizing the importance of sustainable dividend policies based on solid operational performance [16]

导语：在"五篇大文章"的战略指引下，中国科技金融生态正经历新一轮重构。浙商银行十年耐心实践与"善科陪伴计划"，恰是这场国家行 动的微观映射。 金融范式创新 游标卡尺能丈量厂房面积，却无法为知识资产与"人才价值"定价。 当传统银行汲汲于"所见即所得"的思维惯性，如何"接得住"服务中国科技创新的时代命题？ 一场发生于十年前的商业银行突围实践，给出了破局解法。 浙商银行（601916.SH）2016年创新性推出的全国首个"人才银行"，以"人"而非"物"作为信用锚点，将4000余名高层次人才的创新潜力转化为 超300亿元的融资支持。 于是，浙商银行提出"以人定贷"的概念，并创立"人才银行"这一金融服务 品牌。 遵循这一设计理念的信用贷款产品，是以人才价值、政府对人才的认可度、人才企业的发展潜力作为主要评估依据，弱化营收、利润和负债率 等传统财务因素，给予人才企业最高3000万元的信用支持。 而今，这一金融品牌又进行了"新版本"迭代。 4月16日，"善科致远·创见未来——金融支持科技企业发展大会"在杭州举行。 在会上，浙商银行发布面向科技企业的全新综合金融服务品牌——"善科陪伴计划"。 浙商银行党委书记、董事长陆建强表 ...