点击查看公告原文>> 声明：市场有风险，投资需谨慎。 本文为AI大模型基于第三方数据库自动发布，任何在本文出现的信 息（包括但不限于个股、评论、预测、图表、指标、理论、任何形式的表述等）均只作为参考，不构成 个人投资建议。受限于第三方数据库质量等问题，我们无法对数据的真实性及完整性进行分辨或核验， 因此本文内容可能出现不准确、不完整、误导性的内容或信息，具体以公司公告为准。如有疑问，请联 系biz@staff.sina.com.cn。 责任编辑：小浪快报 江阴银行董事会表示，本行及董事会全体成员保证信息披露内容真实、准确和完整，不存在虚假记载、 误导性陈述或重大遗漏。此次公告发布日期为2025年9月30日。 登录新浪财经APP 搜索【信披】查看更多考评等级 market 近日，江苏江阴农村商业银行股份有限公司（证券代码：002807，证券简称：江阴银行）发布 公告称，已收到《无锡金融监管分局关于江阴农村商业银行修改公司章程的批复》（锡金复﹝2025﹞ 109号）。该行2025年第一次临时股东大会审议通过的修订《章程》事项已获核准，后续将履行工商备 案等相关手续。 ...

章程 2025 年 9 月 | | | 江苏江阴农村商业银行股份有限公司 第一章 总则 第一条 为维护江苏江阴农村商业银行股份有限公司（以下简称"本行"）、 股东、职工和债权人的合法权益，规范本行的组织和行为，根据《中国共产党章 程》、《中华人民共和国公司法》（以下简称"《公司法》"）、《中华人民共和国银行 业监督管理法》（以下简称"《银行业监督管理法》"）、《中华人民共和国商业银行 法》（以下简称"《商业银行法》"）、《中华人民共和国证券法》（以下简称"《证券 法》"）、《银行保险机构公司治理准则》和其它有关规定，制定本章程。 本章程是本行的行为准则，对本行及本行股东、董事、行长及其他高级管理 人员具有约束力。 第二条 本行系依据《公司法》、《商业银行法》和其他有关规定成立的股份 有限公司。 本行经中国人民银行（银复[2001]198 号）文批准，由辖内农民、农村工商 户、企业法人和其他经济组织共同以发起方式设立；本行在无锡市数据局注册登 记，并领有统一社会信用代码为 91320000732252764N 的《营业执照》，具有独 立法人资格。 第三条 本行于 2016 年 7 月 21 日经中国证券监督管理 ...

本行及董事会全体成员保证信息披露内容真实、准确和完整，没有虚假记载、误导性 陈述或重大遗漏。 近日，江苏江阴农村商业银行股份有限公司（以下简称"本行"） 收到《无 锡金融监管分局关于江阴农村商业银行修改公司章程的批复》（锡金复﹝2025﹞ 109 号），本行 2025 年第一次临时股东大会审议通过的修订《章程》事项已获核 准，本行随后将履行工商备案等相关手续。 特此公告。 江苏江阴农村商业银行股份有限公司董事会 2025 年 9 月 30 日 证券代码：002807 证券简称：江阴银行 公告编号：2025-031 江苏江阴农村商业银行股份有限公司 关于修订公司章程获核准的公告 ...

Market Performance - The rural commercial bank sector increased by 0.94% on September 29, with Yunnan Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3862.53, up 0.9%, while the Shenzhen Component Index closed at 13479.43, up 2.05% [1] Individual Stock Performance - Yunnan Rural Commercial Bank (601077) closed at 6.60, with a rise of 2.17% and a trading volume of 995,000 shares, amounting to a transaction value of 654 million [1] - Other notable performers include Ruifeng Bank (601528) with a 1.13% increase, Wuxi Bank (600908) with a 1.02% increase, and Shanghai Rural Commercial Bank (601825) with a 0.73% increase [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 66.4588 million from institutional investors, while retail investors saw a net inflow of 22.9898 million [1] - Specific stocks like Qingnong Bank (002958) had a net inflow of 9.1251 million from institutional investors, while Su Nong Bank (603323) had a net inflow of 613.43 million [2] Detailed Capital Flow for Selected Stocks - Yunnan Rural Commercial Bank had a significant net outflow of 50.7024 million from institutional investors, but a net inflow of 54.2507 million from retail investors [2] - Common trends show that while some banks like Zhangjiagang Bank (002839) attracted retail inflows, others like Changshu Bank (601128) faced substantial outflows from institutional investors [2]

Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]

证券日报网讯江阴银行（002807）9月26日在互动平台回答投资者提问时表示，关于2025年中期分红具 体方案请持续关注本行的信息披露。 ...

Market Overview - On September 26, the rural commercial bank sector declined by 0.74% compared to the previous trading day, with XD Hu Nong leading the decline [1] - The Shanghai Composite Index closed at 3828.11, down 0.65%, while the Shenzhen Component Index closed at 13209.0, down 1.76% [1] Individual Stock Performance - The following stocks in the rural commercial bank sector showed varying performance: - Chongqing Rural Commercial Bank (601077) closed at 6.46, up 2.38% with a trading volume of 730,200 shares [1] - Wuxi Bank (600908) closed at 5.88, up 0.68% with a trading volume of 127,700 shares [1] - Su Nong Bank (603323) closed at 5.02, up 0.60% with a trading volume of 167,700 shares [1] - Zhangjiagang Bank (002839) closed at 4.32, up 0.47% with a trading volume of 193,000 shares [1] - Ruifeng Bank (601528) closed at 5.32, up 0.38% with a trading volume of 95,700 shares [1] - Other banks like Jiangyin Bank (002807) and Changshu Bank (601128) showed minor fluctuations [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 30.21 million yuan from institutional investors and 22.38 million yuan from retail investors, while retail investors saw a net inflow of 52.59 million yuan [1] - Specific capital flows for individual banks include: - Changshu Bank (601128) had a net inflow of 8.26 million yuan from institutional investors but a net outflow of 34.30 million yuan from retail investors [2] - Zijin Bank (601860) saw a net inflow of 7.99 million yuan from institutional investors [2] - Other banks like Su Nong Bank (603323) and Zhangjiagang Bank (002839) experienced significant net outflows from institutional investors [2]

Market Overview - On September 25, the rural commercial bank sector declined by 1.62%, with Chongqing Rural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 3853.3, down 0.01%, while the Shenzhen Component Index closed at 13445.9, up 0.67% [1] Individual Stock Performance - The closing prices and changes for key rural commercial banks are as follows: - Hu Nong Commercial Bank: 8.62, down 0.58% - Qing Nong Commercial Bank: 3.14, down 0.95% - Su Nong Bank: 4.99, down 0.99% - Wuxi Bank: 5.84, down 1.02% - Rui Feng Bank: 5.30, down 1.12% - Zhangjiagang Bank: 4.30, down 1.15% - Jiangyin Bank: 4.50, down 1.32% - Zijin Bank: 2.81, down 1.75% - Changshu Bank: 6.96, down 2.11% - Chongqing Rural Commercial Bank: 6.31, down 3.52% [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 3.11 million yuan from main funds, while speculative funds saw a net inflow of 5.88 million yuan, and retail investors had a net outflow of 2.77 million yuan [1] - Detailed capital flow for individual banks shows: - Jiangyin Bank: Main funds net inflow of 12.09 million yuan, retail net outflow of 14.79 million yuan - Wuxi Bank: Main funds net inflow of 11.99 million yuan, retail net outflow of 8.76 million yuan - Su Nong Bank: Main funds net inflow of 11.61 million yuan, retail net outflow of 8.11 million yuan - Chongqing Rural Commercial Bank: Main funds net outflow of 27.42 million yuan, retail net inflow of 34.26 million yuan - Zijin Bank: Main funds net outflow of 33.66 million yuan, retail net inflow of 16.64 million yuan [2]

Market Performance - The rural commercial bank sector increased by 1.75% on September 24, with Yunnan Rural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 3853.64, up 0.83%, while the Shenzhen Component Index closed at 13356.14, up 1.8% [1] Individual Stock Performance - Yunnan Rural Commercial Bank (601077) closed at 6.54, up 1.87% with a trading volume of 853,400 shares and a transaction value of 559 million [1] - Changshu Bank (601128) closed at 7.11, up 1.57% with a trading volume of 412,600 shares and a transaction value of 291 million [1] - Shanghai Rural Commercial Bank (601825) closed at 8.67, up 0.70% with a trading volume of 244,700 shares and a transaction value of 212 million [1] - Jiangyin Bank (002807) closed at 4.56, up 0.44% with a trading volume of 258,000 shares and a transaction value of 118 million [1] - Qingnong Commercial Bank (002958) closed at 3.17, down 0.31% with a trading volume of 435,000 shares and a transaction value of 138 million [1] Fund Flow Analysis - The rural commercial bank sector experienced a net outflow of 639,800 yuan from main funds, while retail funds saw a net inflow of 28.92 million yuan [1] - Individual stock fund flows showed that Changshu Bank had a main fund net inflow of 22.92 million yuan, while Yunnan Rural Commercial Bank had a net inflow of 9.09 million yuan from main funds [2] - Jiangyin Bank experienced a significant net outflow of 18.43 million yuan from main funds, indicating a potential concern among investors [2]

Market Performance - On September 22, the rural commercial bank sector rose by 0.05% compared to the previous trading day, with Shanghai Rural Commercial Bank leading the gains [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 Stock Performance - Shanghai Rural Commercial Bank (601825) closed at 65.8, with a gain of 1.30% and a trading volume of 301,400 shares, amounting to a transaction value of 258 million yuan [1] - Other notable performances include: - Chongqing Rural Commercial Bank (601077) at 6.27, up 0.16% [1] - Qingdao Rural Commercial Bank (002958) at 3.17, unchanged [1] - Zhangjiagang Bank (002839) at 4.32, down 0.23% [1] - Zijin Bank (601860) at 2.86, down 0.69% [1] - Ruifeng Bank (601528) at 5.31, down 0.93% [1] - Wuxi Bank (600908) at 5.84, down 1.02% [1] - Sunong Bank (603323) at 4.98, down 1.39% [1] - Changshu Bank (601128) at 6.95, down 1.56% [1] - Jiangyin Bank (002807) at 4.52, down 1.74% [1] Capital Flow Analysis - The rural commercial bank sector experienced a net inflow of 61.3 million yuan from institutional investors, while retail investors saw a net inflow of 291,200 yuan [1] - Notable capital flows for individual stocks include: - Shanghai Rural Commercial Bank had a net outflow of 35.5 million yuan from institutional investors [2] - Zijin Bank saw a net inflow of 17.5 million yuan from institutional investors [2] - Changshu Bank had a net inflow of 13.0 million yuan from institutional investors [2] - Wuxi Bank had a net inflow of 10.6 million yuan from institutional investors [2] - Jiangyin Bank experienced a net outflow of 11.5 million yuan from institutional investors [2]