Investment Rating - The report maintains a positive outlook on the banking sector, suggesting potential investment opportunities due to favorable policy catalysts and improving fundamentals in certain banks [12]. Core Insights - The report highlights the adequacy of loan loss provisions among listed banks, with a provision coverage ratio of 70.8% for Stage 3 loans, indicating limited future impact on profits [2][12]. - It emphasizes the improvement in asset quality, particularly in Stage 3 loans, with notable reductions in the proportion of such loans for several banks compared to the end of Q4 2024 [1][2]. - The report suggests a focus on banks with positive fundamental changes and continuous improvement in financial statements, recommending specific banks for investment [12]. Summary by Sections 1. Loan Quality and Provisioning - The proportion of Stage 3 loans is relatively low for banks like Chengdu Bank (0.66%) and Ningbo Bank (0.76) [1]. - Significant improvements in Stage 3 loan ratios were observed for Chongqing Bank (-61bp) and Guiyang Bank (-48bp) compared to Q4 2024 [1]. - The provision coverage for Stage 3 loans is high, with leading banks like Qingnong Bank (4.35%) and Yunan Bank (4.16%) showing strong provisioning ratios [2]. 2. Financial Assets - The proportion of Stage 3 financial assets is low, with most banks not exceeding 0.05%, indicating manageable asset quality pressure [4]. - The report notes that the provision coverage for financial investments is also robust, with Zhejiang Bank (3.16%) and Qingdao Bank (2.85%) leading in provisioning ratios [8]. 3. Sector Outlook - The report anticipates that expansionary policies aimed at stabilizing the economy will benefit the banking sector, with a focus on banks like Ningbo Bank and Jiangsu Bank for potential investment [12]. - It highlights the ongoing economic recovery and the potential for interest rate cuts, suggesting a sustained dividend strategy for certain banks [12].

Core Viewpoint - Zhejiang Merchants Bank Hefei Branch successfully provided a total of 300 million yuan in "Internal Guarantee Free Trade Loans" to Anhui Jiatong Radial Tire Co., Ltd, addressing the company's overseas funding needs and supporting its international sales recovery [1][1]. Company Summary - Anhui Jiatong Radial Tire Co., Ltd is one of the three major production bases established by Jiatong Group in China, with annual sales revenue exceeding 5 billion yuan and products exported to over 130 countries and regions [1][1]. - The company is the largest tire production base of the group within China and represents a significant player in the internationalization of Chinese manufacturing [1][1]. Financial Service Summary - Zhejiang Merchants Bank Hefei Branch actively recommended "Internal Guarantee Free Trade Loans" and "Cross-Border Asset Pools" after thoroughly understanding the company's situation, providing comprehensive services from account opening to financing implementation [1][1]. - The collaboration has been positively received by Anhui Jiatong Radial Tire Co., Ltd, highlighting the efficiency and attentiveness of the bank's services, which has strengthened the company's confidence in future cooperation [1][1]. Industry Development Summary - This collaboration marks another beneficial exploration by Zhejiang Merchants Bank Hefei Branch in the field of cross-border financial services for the manufacturing industry [1][1]. - The bank aims to continue leveraging its professional advantages to prioritize financial consumers and support the high-quality development of the local manufacturing sector [1][1].

为积极践行金融机构社会责任，提升社区居民的金融素养和风险防范意识，近日，浙商银行北京分行聚 焦社区群体需求，深入多个社区，通过主题宣讲、趣味互动等多元形式开展"金融教育宣传周"活动，将 实用的金融知识送到居民家门口。 浙商银行北京分行走进大兴清城南区老干部活动中心，将金融教育与手工制作巧妙结合。活动现场，工 作人员先简短讲解"防范冒充公检法诈骗"的核心要点，随后指导老人们制作手工灯笼，过程中穿插"遇 到陌生来电称'涉嫌违法'该怎么办"等小问题，让大家在动手创作的轻松氛围中，自然吸收金融防骗知 识。 在大兴区枣园东里社区，工作人员针对社区中老年居民较多的特点，以"防范养老金融风险"为主题搭建 宣传台。台上整齐摆放"识别养老诈骗""远离非法集资"等主题宣传折页，工作人员结合"虚假养老项 目""保健品捆绑投资"等真实案例，现场讲解"定期存款提前支取的利息计算""社保卡金融功能激活"等 知识点，还手把手教居民通过银行APP查询账户安全状态，现场互动氛围热烈。 走进朝阳区十八里店乡华侨城社区，浙商银行北京分行将宣传重点放在"日常金融安全"上。工作人员在 社区活动广场设立咨询点，围绕"守护个人信息""识别假币技巧""防范 ...

浙江海控南科华铁数智科技股份有限公司公告，为推进业务发展，公司拟将不超9亿元应收账款质押给 浙商银行杭州分行融资，用于办理贷款等业务，质押额度可循环使用，有效期自董事会审议通过日起1 年。25日某月某日公司第五届董事会第十八次会议已审议通过该议案，事项在董事会审批权限内。浙商 银行杭州分行资信良好，与公司无其他关系。此次融资能满足公司日常资金需求，促进业务发展，降低 融资成本、优化财务结构，不损害股东利益。 ...

Group 1 - The 2025 9th "Yinhua Fund Cup" Sina Financial Advisor Competition has officially announced the list of finalists, with 170 outstanding financial advisors and 45 excellent financial teams advancing to the semi-finals [1][2] - The competition aims to provide a platform for financial elites to showcase their skills, enhance their capabilities, and bridge communication between excellent financial advisors and the public, promoting the healthy development of financial management in China [1][2] - The event has expanded its participation scope to include various financial sectors such as banks, securities firms, and insurance companies, receiving widespread attention and support from numerous financial institutions and advisors [1][2] Group 2 - Since its launch on July 8, the competition attracted over 40,000 financial advisors from 107 financial institutions, marking a new record in participation scale, particularly in team competitions with over 600 teams registered [2] - The rules have been upgraded this year, allowing teams to consist of 3 members instead of 4, significantly lowering the entry barrier and providing more opportunities for individual members to showcase their professional skills [2] - Major state-owned banks like China Construction Bank and China Postal Savings Bank have shown strong performances, with 11 and 9 advisors advancing to the semi-finals, respectively [2][3] Group 3 - Joint-stock banks, city commercial banks, and rural commercial banks have also demonstrated their professional characteristics, with institutions like Huaxia Bank and China Merchants Bank achieving significant improvements in both participation and advancement results compared to previous years [3] - The semi-finals will assess participants' real-time market analysis capabilities, insights into client needs, and comprehensive skills in financial planning and communication [4] - The semi-finals for individual participants will take place online on October 19, while team competitions will occur in Beijing, Shanghai, and Shenzhen on October 25, November 1, and November 8, respectively [4] Group 4 - The finals will introduce a new lottery segment with prizes including tickets to high-profile events and opportunities for networking with top entrepreneurs and economists [5]

证券之星消息，9月18日股份制银行板块较上一交易日下跌1.85%，招商银行领跌。当日上证指数报收于3831.66，下跌1.15%。深证成指报收于 13075.66，下跌1.06%。股份制银行板块个股涨跌见下表： | 代码 | 名称 | 主力净流入(元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入(元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 601998 中信银行 | | -1961.87万 | -4.37% | -3772.97万 | -8.41% | 5734.84万 | 12.78% | | 601916 浙商银行 | | -4244.96万 | -7.84% | -1362.44万 | -2.51% | 5607.40万 | 10.35% | | 600015 华夏银行 | | -7599.66万 | -10.44% | 2163.31万 | 2.97% | 5436.35万 | 7.47% | | 600000 浦发银行 | | -1.03亿 | -7.58% | 2639.52万 | 1 ...

针对老年群体，工作人员重点讲解了养老领域非法集资的特征和防范措施，帮助老年人守好"养老钱"； 对外来务工人员和新市民，则着重普及个人征信保护、合法借贷等金融知识，助力他们更好地融入城市 生活。 浙商银行北京分行将继续探索"金融+文化""金融+体育"等多元宣传模式，把金融教育融入市民日常休闲 场景，让"保障金融权益"的理念深入人心，切实提升社会公众的金融素养及风险防范意识，为构建和谐 金融环境、护航美好生活贡献力量。 近日，在通州大运河畔，一场别开生面的金融教育宣传活动拉开序幕。浙商银行北京分行联合国家体育 总局健身推广委员会，在大运河公园开展了一场以"保障金融权益 助力美好生活"为主题的宣传活动， 将传统文化展演与金融知识普及巧妙融合。 当天，运河岸边，锣鼓喧天，祥龙腾跃。精彩的舞龙表演率先点燃现场气氛，金色的长龙在舞龙队员的 操控下翻腾起舞，引得围观市民阵阵喝彩。随后，欢快的秧歌队伍踩着喜庆的鼓点翩翩而来，红绸飞 舞，脚步欢腾，将活动现场装点成一片欢乐的海洋。活动现场，浙商银行北京分行的工作人员开展金融 知识宣传。咨询台前，工作人员结合典型案例，用通俗易懂的语言向市民揭示非法集资、电信诈骗的常 见手法，特别 ...

Core Viewpoint - The banking industry is increasingly focusing on recruiting fintech talent, emphasizing the need for professionals who possess both technical skills and business acumen to drive digital transformation and innovation [1][3]. Group 1: Recruitment Trends - Major commercial banks in China are ramping up their recruitment of fintech talent during the 2026 campus recruitment season, with a particular emphasis on professionals with backgrounds in big data, artificial intelligence, and data science [2][6]. - Banks are adopting specialized recruitment strategies, such as the "AI+" initiative by Industrial and Commercial Bank of China, which aims to hire around 20 individuals with expertise in artificial intelligence and big data [2][6]. - Agricultural Bank of China has introduced a "Fintech Special Program" under its "Jing Sui Trainee" positions, targeting candidates with interdisciplinary backgrounds in finance and technology [2][3]. Group 2: Evolving Talent Requirements - The demand for fintech talent is shifting from mere technical support to business empowerment, with banks seeking individuals who can understand financial logic and leverage technology for business innovation [3][4]. - Candidates are increasingly required to have a financial knowledge background, project management skills, and the ability to communicate across departments, aiming to bridge the gap between technology and business [3][4]. Group 3: Training and Development - Banks are transitioning to a composite training model for fintech talent, where employees gain experience in both technical departments and various business units to understand customer needs and risk logic [4][6]. - For instance, the "AI+" program at Industrial and Commercial Bank of China includes a one-year rotation in technology and business departments to enhance practical experience [4][6]. Group 4: Retention Strategies - To attract and retain fintech talent, banks are advised to implement market-oriented compensation systems, dynamic salary adjustments, and competitive rewards for high-end technical professionals [6][7]. - Creating a technology company-like organizational culture and providing clear career development paths are essential for retaining top talent in the banking sector [6][7].

Core Viewpoint - The banking sector, particularly the joint-stock banks, experienced a decline of 1.54% on September 16, with Shanghai Pudong Development Bank leading the drop [1] Group 1: Market Performance - The Shanghai Composite Index closed at 3861.87, up 0.04%, while the Shenzhen Component Index closed at 13063.97, up 0.45% [1] - The individual performance of joint-stock banks showed varied results, with most banks experiencing a decline in share price [1] Group 2: Individual Bank Performance - Ping An Bank closed at 11.64, down 0.09% with a trading volume of 708,000 shares and a transaction value of 82.58 million [1] - Zhejiang Commercial Bank closed at 3.06, down 0.33% with a trading volume of 1,565,300 shares and a transaction value of 4.80 million [1] - China Merchants Bank closed at 41.75, down 1.11% with a trading volume of 859,100 shares and a transaction value of 3.60 billion [1] - CITIC Bank closed at 7.64, down 1.42% with a trading volume of 524,000 shares and a transaction value of 402 million [1] - Minsheng Bank closed at 4.13, down 1.43% with a trading volume of 9,878,100 shares and a transaction value of 4.11 million [1] - Everbright Bank closed at 3.55, down 1.66% with a trading volume of 5,724,600 shares and a transaction value of 2.05 billion [1] - Industrial Bank closed at 20.70, down 1.76% with a trading volume of 1,098,600 shares and a transaction value of 2.29 billion [1] - Huaxia Bank closed at 6.98, down 1.83% with a trading volume of 1,360,700 shares and a transaction value of 958 million [1] - Shanghai Pudong Development Bank closed at 13.16, down 2.01% with a trading volume of 885,100 shares and a transaction value of 1.17 billion [1] Group 3: Capital Flow - The joint-stock banking sector saw a net outflow of 3.42 billion in principal funds, while speculative funds saw a net inflow of 1.45 billion and retail investors saw a net inflow of 1.97 billion [1]

转自：新华财经 此次活动是浙商银行合肥分行践行"金融为民"初心的生动实践。未来，该行将以"特色金融服务站"为支点、"金融知识漫游巴"为纽带，持续创新服务模式， 全力打造群众"放心、安心、贴心"的金融服务品牌，为安徽金融业高质量发展注入更多力量。（周雅岗） 编辑：赵鼎 2025年9月，浙商银行合肥分行举办的"特色金融服务站"授牌仪式暨"金融知识漫游巴"活动启航。安徽省银行业协会专职副会长杨峻松、浙商银行合肥分行 党委书记兼行长徐凯等出席，共同见证这一重要时刻。 作为该行深化"金融为民"理念的创新载体，"特色金融服务站"将金融消费者权益保护深度融入日常服务。徐凯在致辞中表示，合肥分行始终践行金融工作的 政治性与人民性，通过开展金融知识普及活动，切实解决群众"急难愁盼"，助力公众提升风险防范意识。杨峻松在讲话中指出，合肥分行以"特色金融服务 站"为抓手，推动金融知识普及与消费者权益保护工作走深走实，充分彰显了高度的政治自觉与行业担当。活动现场，杨峻松与徐凯共同为"特色金融服务站 ——瑶海支行"授牌。 授牌仪式后，嘉宾移步广场启动"金融知识漫游巴"发车仪式。据悉，这辆"漫游巴"将化身"流动金融宣传站"，深入社区、商圈 ...