一处市场估价约200万元的房产，近日在某第三方拍卖平台上以150万元成交，由银行作为出售方直接完 成交易。 这种"捡漏"的背后，是多家银行正在加速推进的房产直售业务。据记者不完全梳理，包括农业银行、建 设银行、交通银行等多家银行，近期均通过线上平台大量直接销售房产。部分银行的在售房产标的已超 千套，处置速度明显加快。 这些被业内称为"银行直供房"的房源，实际上大多来自不良贷款处置。当企业或个人借款人无力还贷 时，银行通过债权剥离取得完整产权，随后以房东身份直接出售或出租。 业内人士透露，银行加速处置房产，主要是为了提升债权回收率。在房地产市场调整期，这种直售模式 正在成为银行快速盘活资产的新选择。 银行批量直供房产 在阿里资产平台的"银行清仓"栏目中，记者发现近期多家银行正直接挂牌销售房产。例如，广东云浮农 商行即将于隔日10点开拍一处商住房，起拍价为8万元；齐齐哈尔农商行也在挂牌销售位于龙沙区的一 套住宅，起始价9.9万元。该行目前共有108套房产正在对外销售，价格从10万元至800万元不等，类型 涵盖住宅、商业及办公用房。 这一现象并非孤例。记者梳理多家主流资产交易平台发现，包括农业银行、建设银行、交通银 ...

Market Overview - The city commercial bank sector experienced a decline of 0.21% on November 7, with Qilu Bank leading the drop [1] - The Shanghai Composite Index closed at 3997.56, down 0.25%, while the Shenzhen Component Index closed at 13404.06, down 0.36% [1] Individual Bank Performance - Xiamen Bank closed at 7.23, up 0.98% with a trading volume of 333,300 shares and a transaction value of 241 million [1] - Ningbo Bank closed at 29.31, up 0.51% with a trading volume of 297,300 shares and a transaction value of 875 million [1] - Qilu Bank closed at 6.08, down 1.46% with a trading volume of 648,100 shares and a transaction value of 39.86 million [2] - Suzhou Bank closed at 8.33, down 1.07% with a trading volume of 373,400 shares and a transaction value of 314 million [2] Capital Flow Analysis - The city commercial bank sector saw a net outflow of 148 million from institutional investors, while retail investors had a net inflow of 163 million [2] - Jiangsu Bank had a net inflow of 63.24 million from institutional investors, but a net outflow of 39.08 million from speculative funds [3] - Nanjing Bank experienced a net inflow of 24.45 million from institutional investors, with a net outflow of 30.58 million from speculative funds [3]

Core Insights - The private banking sector in China is experiencing significant growth, with several listed banks reporting an increase in private banking clients exceeding 10% [1][2][3] - Notably, Minsheng Bank, Beijing Bank, and Nanjing Bank have all reported client growth rates above 15% [1][2][3] - As of the end of September, the total number of private banking clients at Minsheng Bank reached 73,409, marking an 18.21% increase from the previous year [3][5] Private Banking Client Growth - Multiple banks have shown robust growth in private banking clients, with Minsheng Bank, Beijing Bank, and Nanjing Bank leading with growth rates over 15% [1][2][3] - As of September 30, 2023, the number of private banking clients at major banks is as follows: - China Merchants Bank: 191,418 clients, up 13.2% - Ping An Bank: 103,300 clients, up 6.7% - Minsheng Bank: 73,409 clients, up 18.21% - Beijing Bank: 20,586 clients, up 17.9% - Nanjing Bank: growth of 15.43% [3][5][6] Wealth Management Market Expansion - The wealth management market in China continues to expand, with listed banks reporting steady growth in wealth clients [8][9] - As of September 30, 2023, Ping An Bank reported 1.4911 million wealth clients, a 2.4% increase from the previous year [9] - Nanjing Bank's wealth clients grew by 16.31%, while Guiyang Bank's wealth clients increased by 7.77% [9] Asset Under Management (AUM) Growth - The total assets under management (AUM) for private banking clients at Minsheng Bank reached 1,014.72 billion yuan, an increase of 148.75 billion yuan, or 17.18% [3][5] - Beijing Bank's private banking AUM was 224 billion yuan, up 14.39% from the beginning of the year [4] Revenue from Wealth Management Services - Several banks reported positive growth in wealth management fee income, with many exceeding 15% growth [10][12] - For instance, China Merchants Bank's wealth management fee income reached 20.67 billion yuan, an 18.76% year-on-year increase [10] - Ping An Bank's wealth management fee income was 3.979 billion yuan, up 16.1% [10] Distribution and Sales Growth - The distribution of financial products has become a significant revenue source for banks, with many reporting substantial increases in sales [11][12] - For example, Ping An Bank's income from personal insurance sales grew by 48.7%, while its income from personal fund sales increased by 6.7% [12] - China Merchants Bank's income from fund sales rose by 38.76%, driven by increased sales and improved product structure [12]

证券代码：001227 证券简称：兰州银行 兰州银行股份有限公司投资者关系活动记录表 编号：2025-06 | 投资者关系活动类 | □特定对象调研 □分析师会议 □媒体采访 ☑业绩说明会 | | --- | --- | | | □新闻发布会 □路演活动 | | 别 | □现场参观 | | | □其他（请文字说明其他活动内容） | | 参与单位名称及人 | 通过网络互动参与本次业绩说明会的各类投资者 | | 员姓名 | | | 2025 时间 | 年 月 日下午 11 6 | | 地点 | 全景网"投资者关系互动平台"（http://ir.p5w.net） 1.党委书记、董事长 许建平 | | | 2.党委副书记、董事、行长 刘敏 | | 上市公司接待人员 | 3.董事、董事会秘书 张少伟 | | 姓名 | 4.独立董事 刘志军 | | | 高晓民 5.风险管理部总经理 | | | 6.计划财务部总经理 高雪梅 | | | 1.尊敬的许董事长、刘行长您好！贵公司在 年 月 日召开的 2025 6 25 | | | 股东大会上已授权董事会办理进行 年中期利润分配。但时至今日都 2025 | | | 快年底了还未 ...

Core Viewpoint - The city commercial bank sector experienced a slight decline of 0.11% on November 6, with Xiamen Bank leading the drop, while the overall market indices showed positive movements with the Shanghai Composite Index up by 0.97% and the Shenzhen Component Index up by 1.73% [1][2]. Group 1: Market Performance - The closing price of Xiamen Bank was 7.16, reflecting a decrease of 2.59% with a trading volume of 539,700 shares and a transaction value of 387 million yuan [2]. - Other notable banks included Changsha Bank, which closed at 9.98 with a rise of 0.91%, and Qilu Bank, which closed at 6.17 with an increase of 0.82% [1]. - The city commercial bank sector saw a net outflow of 608 million yuan from major funds, while retail investors contributed a net inflow of 473 million yuan [2][3]. Group 2: Individual Bank Performance - Beijing Bank had a net inflow from major funds of 20.80 million yuan, while it experienced a net outflow from retail investors of 30.79 million yuan [3]. - Chongqing Bank recorded a net inflow of 11.91 million yuan from major funds but faced a net outflow of 12.20 million yuan from retail investors [3]. - Jiangsu Bank had a net inflow of 202.55 million yuan from major funds, while retail investors contributed a net inflow of 3.33 million yuan [3].

Market Performance - The city commercial bank sector increased by 0.12% on November 5, with Ningbo Bank leading the gains [1] - The Shanghai Composite Index closed at 3969.25, up 0.23%, while the Shenzhen Component Index closed at 13223.56, up 0.37% [1] Individual Stock Performance - Ningbo Bank (002142) closed at 29.09, up 0.83% with a trading volume of 306,800 shares and a transaction value of 894 million [1] - Nanjing Bank (6000000) closed at 11.65, up 0.60%, with a trading volume of 555,100 shares and a transaction value of 648 million [1] - Shanghai Bank (601229) closed at 10.04, up 0.50%, with a trading volume of 842,000 shares [1] - Other notable performances include Chengdu Bank (601838) at 17.06, up 0.35%, and Hangzhou Bank (600926) at 16.02, up 0.12% [1] Capital Flow Analysis - The city commercial bank sector saw a net inflow of 52.36 million from institutional investors, while retail investors contributed a net inflow of 89.18 million [2] - The sector experienced a net outflow of 142 million from speculative funds [2] Detailed Capital Flow for Selected Banks - Jiangsu Bank (600919) had a net inflow of 63.74 million from institutional investors, while it faced a net outflow of 46.26 million from speculative funds [3] - Chengdu Bank (601838) reported a net inflow of 63.42 million from institutional investors, with a net outflow of 57.05 million from speculative funds [3] - Ningbo Bank (002142) had a net inflow of 5.72 million from institutional investors but a significant net outflow of 43.57 million from retail investors [3]

Core Viewpoint - Lanzhou Bank announced that its shareholder, Shengda Group, will release the pledge on 68.2 million shares on October 30, 2025, which accounts for 24.36% of its holdings and 1.20% of the total share capital [1] Group 1 - Shengda Group re-pledged the same 68.2 million shares to the bank on November 3, 2023, for limited sale, intended for production and operation [1] - As of November 3, 2023, Shengda Group and its affiliate, Shengda Resources, hold a total of 335,772,000 unpledged shares in the bank [1]

人民财讯11月4日电，兰州银行（001227）发布公告称，近日，该行通过中国证券登记结算有限责任公 司深圳分公司系统查询，获悉甘肃盛达集团有限公司(简称"盛达集团")将其所持有的该行部分股份解除 质押并重新办理质押登记。本次解除质押股份数量为6820万股，占盛达集团所持股份比例24.36%，占 该行总股本比例1.20%，解除日期为2025年10月30日。 ...

Group 1 - Lanzhou Bank announced that as of the date of the announcement, Shengda Group has pledged a total of 99.2 million shares, accounting for 35.43% of its holdings [1] - For the first half of 2025, Lanzhou Bank's revenue composition is as follows: interest income accounts for 197.73%, while non-interest income accounts for 4.99% [1] Group 2 - As of the time of reporting, Lanzhou Bank's market capitalization is 13.8 billion yuan [2] - A significant increase in overseas orders by 246% has been reported in a certain industry, covering over 50 countries and regions, with warnings about potential malicious competition due to some entities selling at a loss [2]

证券代码：001227 证券简称：兰州银行 公告编号：2025-050 兰州银行股份有限公司 关于股东部分股份解除质押及再质押的公告 本行及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记载、 误导性陈述或者重大遗漏。 近日，兰州银行股份有限公司（以下简称"本行"）通过中国证券登记结算有 限责任公司深圳分公司系统查询，获悉甘肃盛达集团有限公司（以下简称"盛达 集团"）将其所持有的本行部分股份解除质押并重新办理质押登记，具体事项如 下： 一、本次解除质押基本情况 | 股东 | | | 本次质押前 | 本次质押后 | 占其所 | 占本行 | 已质押股份情况 | | 未质押股份情况 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | 持股数量 | 持股 | 质押股份数 | 质押股份数 | 持股份 | 总股本 | 已质押股份 | 占已质 | 未质押股份 | 占未质 押股份 | | | 名称 | （股） | 比例 | 量（股） | 量（股） | 比例 | 比例 | 限售和冻结 | 押股份 | 限售 ...