公开资料显示，杨超1973年10月出生，历任张家港市农村信用合作社泗港办事处信贷员，信贷科商业信 贷专管员，张家港农商行计划信贷科副科长，风险管理部总经理，信贷管理部总经理，社区金融部总经 理，零售金融部总经理，信用卡与消费金融部总经理，即墨支行行长，云龙支行行长，南通分行行长， 零售业务部总经理。 北京商报讯（记者 宋亦桐）9月12日，张家港农商行发布公告，该行9月12日召开的第八届董事会第十 一次会议审议通过了《关于聘任行长助理的议案》，聘任杨超为该行行长助理，任职期限同本届董事会 期满。 ...

1、现场会议召开时间：2025 年 9 月 12 日（星期五）下午 2:30 证券代码：002839 证券简称：张家港行 公告编号：2025-027 江苏张家港农村商业银行股份有限公司 2025 年第一次临时股东大会决议公告 本公司及董事会全体成员保证公告内容的真实、准确和完整，没有虚假记录、误导性 陈述或重大遗漏。 重要提示： 1、本次股东大会未出现否决提案的情形。 2、本次股东大会未涉及变更以往股东大会已通过的决议。 一、会议召开和出席情况 （一）召开时间 2、网络投票时间：2025 年 9 月 12 日 通过深圳证券交易所交易系统进行网络投票的时间为 2025 年 9 月 12 日上 午 9:15—9:25、9:30—11:30，下午 13：00—15:00； 通过互联网投票系统（http://wltp.cninfo.com.cn）投票的时间为 2025 年 9 月 12 日上午 9:15 至 2025 年 9 月 12 日下午 15:00 期间的任意时间。 （二）会议地点：张家港市杨舍镇人民中路 66 号张家港农商银行十九楼会 议室 （三）召开方式：采取现场投票与网络投票相结合的方式。 （四）召集人： ...

国浩律师（苏州）事务所 关于 江苏张家港农村商业银行股份有限公司 国浩律师（苏州）事务所 股东大会法律意见书 国浩律师（苏州）事务所 关于江苏张家港农村商业银行股份有限公司 2025 年第一次临时股东大会的 法律意见书 苏州工业园区旺墩路 269 号圆融星座商务广场 1 幢 28 楼（215000） 电话:（+86）（512）62720177 传真:（+86）（512）62720199 www.grandall.com.cn 网址/Website:http://www.grandall.com.cn 2025 年 9 月 2025 年第一次临时股东大会的 法律意见书 致: 江苏张家港农村商业银行股份有限公司 国浩律师（苏州）事务所接受江苏张家港农村商业银行股份有限公司（以下 简称"公司"）委托，指派律师出席并见证了公司 2025 年第一次临时股东大会（以 下称"本次股东大会"），并依据有关法律、法规、规范性文件的规定以及《江苏 张家港农村商业银行股份有限公司章程》（以下简称"《公司章程》"）的规定， 对本次股东大会的召集、召开程序、召集人资格、出席人员资格、大会表决程序 等事宜进行了审查，现发表法律意见如下： ...

二、审议通过了《关于修订<重大事项内部报告制度>的议案》； 表决结果：同意 11 票，反对 0 票，弃权 0 票。 三、审议通过了《关于修订<董事会战略发展委员会工作细则>的议案》。 证券代码：002839 证券简称：张家港行 公告编号：2025-026 江苏张家港农村商业银行股份有限公司 第八届董事会第十一次会议决议公告 本公司及董事会全体成员保证信息披露内容的真实、准确和完整，没有虚假记载、误 导性陈述或者重大遗漏。 江苏张家港农村商业银行股份有限公司（以下简称"公司"）于 2025 年 9 月 2 日以电子邮件及书面方式向全体董事发出关于召开第八届董事会第十一次 会议的通知，会议于 2025 年 9 月 12 日在公司 1605 会议室召开，以现场加视频 会议表决方式进行表决。公司应参会董事 11 名，实际参会董事 11 名。会议由董 事长孙伟先生主持，监事和高级管理人员列席，本次会议的召集、召开符合《公 司法》《深圳证券交易所股票上市规则》和《公司章程》的规定，会议合法有效。 会议经逐项表决，通过以下议案： 一、审议通过了《关于聘任行长助理的议案》； 聘任杨超先生为本行行长助理，任职期限同本届董事会期 ...

Core Points - The rural commercial bank sector experienced a decline of 1.2% on September 12, with Yunnan Rural Commercial Bank leading the drop [1] - The Shanghai Composite Index closed at 3883.69, up 0.22%, while the Shenzhen Component Index closed at 12996.38, up 0.13% [1] Stock Performance - The closing prices and changes for key rural commercial banks are as follows: - Zijin Bank: 2.96, -0.34% - Changshu Bank: 7.60, -0.39% - Shanghai Rural Commercial Bank: 8.70, -0.46% - Zhangjiagang Bank: 4.48, -0.67% - Ruifeng Bank: 5.55, -0.72% - Sunong Bank: 5.25, -0.94% - Wuxi Bank: 6.03, -1.15% - Qingnong Bank: 3.28, -1.20% - Jiangyin Bank: 4.86, -1.42% - Yunnan Rural Commercial Bank: 6.49, -1.96% [1] Capital Flow - The rural commercial bank sector saw a net outflow of 118 million yuan from main funds, while retail investors contributed a net inflow of 108 million yuan [1] - Detailed capital flow for individual banks shows: - Ruifeng Bank: Main funds -189.46 thousand, Retail funds +66.01 thousand - Shanghai Rural Commercial Bank: Main funds -543.89 thousand, Retail funds +117.60 thousand - Zijin Bank: Main funds -740.49 thousand, Retail funds +762.08 thousand - Wuxi Bank: Main funds -831.59 thousand, Retail funds +881.56 thousand - Zhangjiagang Bank: Main funds -1087.07 thousand, Retail funds +1526.36 thousand - Qingnong Bank: Main funds -1198.02 thousand, Retail funds +899.30 thousand - Sunong Bank: Main funds -1200.33 thousand, Retail funds +764.96 thousand - Jiangyin Bank: Main funds -1627.70 thousand, Retail funds +850.10 thousand - Changshu Bank: Main funds -1722.64 thousand, Retail funds +2455.71 thousand - Yunnan Rural Commercial Bank: Main funds -2678.88 thousand, Retail funds +2524.52 thousand [2]

Group 1 - The core activity involved a financial enlightenment course for children in the Banjiao community, organized by Zhangjiagang Rural Commercial Bank's Wuxi branch, aimed at introducing basic financial knowledge to kindergarten and elementary school students [2] - The course covered the origin and development of currency, engaging children with stories and images, which sparked their interest in understanding where money comes from [2] - A significant part of the lesson focused on recognizing the features of the Renminbi, including watermarks, security lines, and color-changing ink, enhancing children's ability to identify counterfeit money [2] Group 2 - The practical aspect of the course included a "counting money skills show," where a bank staff member demonstrated professional counting techniques, impressing the children [3] - Children participated in a "counting battle" experience, learning and mimicking standard counting gestures under the guidance of bank staff, simulating the daily tasks of a bank teller [3] - Each child received a beautifully printed "Little Banker" certificate as a special gift, which brought joy and pride to the participants [3]

（文章来源：证券日报） 证券日报网讯张家港行9月11日在互动平台回答投资者提问时表示，截至9月10日，公司股东户数为 53273户。 ...

Core Viewpoint - The banking industry is undergoing significant transformation, with local financial institutions playing a crucial role in supporting regional economic development and meeting diverse financial needs of the public [1] Group 1: Focus on Inclusive Finance - Zhangjiagang Bank prioritizes inclusive finance as its core strategy, focusing on small and micro enterprises, with agricultural and small micro loans reaching 1246.25 billion yuan by June 2025, an increase of 83.89 billion yuan from the beginning of the year, accounting for 90.88% of the total [2] - The bank offers tailored financial services for enterprises at different stages, including various credit products that reduce reliance on financial indicators and utilize policy guarantees and a three-dimensional assessment model [2] Group 2: Comprehensive Financial Services - For mature enterprises, Zhangjiagang Bank provides a range of services including merger financing, syndicate loans, bond underwriting, and investment advisory, along with cash management tools to support global expansion [3] - The retail sector is also a key area for the bank, focusing on consumer credit innovation and optimizing services to stimulate local consumption through a three-dimensional support system [3] Group 3: Risk Management - As of June 2025, the bank maintained a non-performing loan ratio of 0.94%, stable compared to the beginning of the year, and a provision coverage ratio of 383.98%, indicating strong risk mitigation capabilities [4] - The bank employs rigorous pre-loan investigations, in-process reviews, and post-loan management to effectively identify and mitigate credit risks [4] Group 4: Industry Recognition - Zhangjiagang Bank has received multiple accolades, ranking 502nd among the world's top 1000 banks and being recognized as an excellent participant in foreign exchange clearing business [5] - The bank aims to continue optimizing financial services and adapting to national policy directions to strengthen its support for enterprises and contribute to the new development pattern [5]

Core Viewpoint - The performance of A-share listed rural commercial banks in the first half of 2025 shows overall profit growth despite a declining net interest margin, with asset quality improving amidst increasing uncertainties [1][9]. Group 1: Financial Performance - All 10 A-share listed rural commercial banks reported year-on-year growth in net profit for the first half of 2025, despite a general decline in net interest margins [1]. - Jiangyin Rural Commercial Bank led the growth with a revenue of 2.401 billion yuan and a net profit of 846 million yuan, representing increases of 10.45% and 16.63% respectively [2]. - Changshu Rural Commercial Bank achieved revenue and net profit growth rates of 10.1% and 13.51%, maintaining a relatively high net interest margin of 2.58% [2]. Group 2: Net Interest Margin Trends - The net interest margin for several banks has shown a slowing decline, with some banks like Ruifeng Rural Commercial Bank experiencing a minimal drop of only 0.08 percentage points [4]. - Chongqing Rural Commercial Bank had the smallest decline in net interest margin, reducing by just 0.03 percentage points, while still achieving a 5.98% increase in interest income [4]. - However, banks like Zhangjiagang and Suzhou Rural Commercial Banks faced larger declines in net interest margins, with drops of 0.19 and 0.16 percentage points respectively [5]. Group 3: Asset Quality Improvement - The non-performing loan (NPL) ratio for rural commercial banks improved overall, with the average NPL ratio at 2.77%, a decrease of 0.03 percentage points from the end of 2024 [9]. - Qingdao Rural Commercial Bank showed the most significant improvement, with its NPL ratio decreasing by 0.04 percentage points to 1.75% [10]. - Despite improvements, challenges remain in retail loan quality, with some banks experiencing rising NPL ratios in specific sectors [11]. Group 4: Strategic Adjustments - Banks are adjusting their business structures and pricing strategies to mitigate the impact of declining net interest margins, with Chongqing Rural Commercial Bank effectively managing interest costs [6][7]. - The focus on enhancing non-interest income has been a key strategy, with banks like Changshu Rural Commercial Bank integrating financial and non-financial services to strengthen their competitive edge [7]. - Digital tools and data analytics are being utilized by banks to enhance customer targeting and service delivery, particularly in small and micro-business financing [12][13].

张家港农商银行党委委员、副行长陈金龙作开班讲话。他指出，数据分析已成为银行精准决策、高效运 营、创新服务的核心驱动力。培训的目标是培养一批既深谙银行业务精髓又熟练掌握数据分析技术的复 合型人才，推动全行数字化转型战略深入实施，实现业务质效的全面提升。他对参训学员寄予厚望，鼓 励大家珍惜难得的学习机会，以饱满的热情全身心投入，积极探索数据分析与业务深度融合的有效路 径，将所学知识转化为解决实际问题的有力武器，为行内数字化发展贡献智慧与力量。 近日，张家港农商银行数字银行部与党委组织部（人力资源部）共同组织开展的数据分析人才培训班正 式拉开帷幕。此次培训旨在打造一支专业过硬、素质优良的数据分析人才队伍，为推动全行数字化转型 与业务创新筑牢坚实基础。 本次培训的启动，是张家港农商银行推进数字化转型的务实举措。未来，该行将持续加强数据人才队伍 建设，提升数据应用能力，为可持续发展提供有力支撑。刘国良 本次培训特邀CDA研究院执行院长常国珍博士担任授课讲师。课程内容紧扣金融行业实际需求，围绕 数据分析应用及工具使用展开，系统讲解了Excel、Power BI和MySQL在报表生成、数据可视化及业务 决策分析中的应用技巧 ...