青岛农村商业银行股份有限公司 股东会议事规则 第一章 总则 第一条 为保障青岛农村商业银行股份有限公司（以下简 称"本行"）股东依法行使权利，确保股东会高效规范运作和 科学决策、完善本行公司治理结构，根据《中华人民共和国公 司法》（以下简称"《公司法》"）、《中华人民共和国证券 法》（以下简称"《证券法》"）、《中华人民共和国商业银 行法》及《青岛农村商业银行股份有限公司章程》（以下简称 "本行章程"）及其他适用法律法规、行政规章，结合本行实 际，制定本规则。 第二条 股东会是本行的权力机构，依照国家法律法规、 行政规章和本行章程行使职权。 第三条 本行应当严格按照有关法律法规、行政规章、本 行章程及本规则的相关规定召开股东会，保证股东能够依法行 使权利。 第四条 本行董事会应当切实履行职责，按照本行章程规 定召集股东会。本行全体董事应当勤勉尽责，确保股东会正常 召开和依法行使职权。 第六条 股东会分为年度股东会和临时股东会。年度股东 会每年至少召开1次，应当于上一会计年度结束后的6个月内举 行。临时股东会不定期召开，出现《公司法》及本行章程规定 的应当召开临时股东会的情形时，临时股东会应当在相应事实 发生之 ...

第三条 本行董事会由 14 名董事组成，其中：执行董事 3 人，非执行董事 10 人（含独立董事 5 名）职工董事 1 人。本行 设董事长 1 名，副董事长 1 名，经全体董事过半数选举产生，经 银行业监督管理机构核准任职资格后履行职责。 董事会规模和人员构成应符合有关法律法规及公司治理的 - 1 - 有关要求，确保董事会专业、高效地履行职能。 青岛农村商业银行股份有限公司 董事会议事规则 第一章 总 则 第一条 为保障青岛农村商业银行股份有限公司（以下简称 "本行"）董事会依法独立、规范、有效地行使职权，确保董事 会高效规范运作和科学决策，完善本行公司治理结构，根据《中 华人民共和国公司法》（以下简称"《公司法》"）、《中华人 民共和国商业银行法》及《青岛农村商业银行股份有限公司章程》 （以下简称"本行章程"）及其他适用法律法规、行政规章，结 合本行实际，制定本规则。 第二条 本行董事会是股东会的执行机构和本行的经营决 策机构，对股东会负责。董事会遵照《公司法》《银行保险机构 公司治理准则》、本行章程及其他有关法律法规、规范性文件的 规定履行职责。 第二章 董事会构成及职权 第四条 董事会行使下列职权： （ ...

青岛农村商业银行股份有限公司 | 证券代码：002958 | 证券简称：青农商行 | 公告编号:2025-055 | | --- | --- | --- | | 转债代码：128129 | 转债简称：青农转债 | | 本次修订后的章程全文已在巨潮资讯网（http://www.cninfo.com.cn）披露， 供投资者查阅。 特此公告。 关于公司章程修订获得核准的公告 青岛农村商业银行股份有限公司董事会 2025 年 11 月 12 日 本行及董事会全体成员保证信息披露内容的真实、准确、完整，没有虚假 记载、误导性陈述或重大遗漏。 青岛农村商业银行股份有限公司（以下简称本行）近日收到《国家金融监督 管理总局青岛监管局关于青岛农商银行修改公司章程的批复》（青金复﹝2025﹞ 264 号），本行 2025 年第一次临时股东大会修订的公司章程已获得核准。 ...

Core Viewpoint - The rural commercial bank sector experienced a slight increase of 0.34% on November 12, with Yunnan Rural Commercial Bank leading the gains, while the Shanghai Composite Index fell by 0.07% and the Shenzhen Component Index decreased by 0.36% [1] Group 1: Market Performance - The closing price of Yunnan Rural Commercial Bank was 7.07, with an increase of 1.29% and a trading volume of 786,800 shares, amounting to a transaction value of 560 million yuan [1] - Zhangjiagang Bank closed at 4.70, up 0.86%, with a trading volume of 364,600 shares and a transaction value of 171 million yuan [1] - Wuxi Bank's closing price was 6.30, reflecting an increase of 0.80%, with a trading volume of 156,400 shares and a transaction value of approximately 98.55 million yuan [1] - Su Nong Bank closed at 5.38, up 0.37%, with a trading volume of 291,500 shares and a transaction value of 157 million yuan [1] - Ruifeng Bank's closing price was 5.68, with a 0.35% increase, trading 132,800 shares for a total value of approximately 7.55 million yuan [1] - Zijin Bank closed at 2.89, up 0.35%, with a trading volume of 578,600 shares and a transaction value of 167 million yuan [1] - Qingnong Bank closed at 3.28, reflecting a 0.31% increase, with a trading volume of 896,200 shares and a transaction value of 294 million yuan [1] - Jiangyin Bank's closing price was 5.05, unchanged, with a trading volume of 419,400 shares and a transaction value of 212 million yuan [1] - Changshu Bank closed at 7.25, unchanged, with a trading volume of 330,700 shares and a transaction value of 241 million yuan [1] - Shanghai Rural Commercial Bank closed at 9.04, down 0.33%, with a trading volume of 147,500 shares and a transaction value of 134 million yuan [1] Group 2: Fund Flow Analysis - The rural commercial bank sector saw a net outflow of 26.19 million yuan from main funds, while speculative funds experienced a net inflow of 34.43 million yuan, and retail investors had a net outflow of 8.24 million yuan [1]

Core Insights - Qingdao Rural Commercial Bank and Qingdao Bank have successfully obtained clearing member qualifications from the Shanghai Clearing House and launched general repurchase business, marking a significant breakthrough for Shandong's financial institutions in the interbank market clearing mechanism [1] - The launch of this innovative business fills a market gap for city commercial banks and rural commercial banks in Shandong province, providing practical experience for local financial institutions to enhance fund operation efficiency and risk management capabilities [1] - The People's Bank of China has approved the general repurchase business, which will officially launch in April 2024, allowing participants to submit bonds to a collateral pool and conduct repurchase transactions through the interbank lending center [1] Summary by Sections - **Business Development** - The general repurchase business has been introduced to enhance the operational efficiency of financial institutions in Shandong [1] - A total of 17 transactions have been conducted by local financial institutions, amounting to 12.08 billion yuan [2] - **Market Impact** - The business aims to reduce counterparty risk and improve market liquidity while supporting the smooth transmission of monetary policy [1] - The Shanghai Clearing House has expanded the range of participants in the general repurchase business to include deposit-taking financial institutions and added new categories of eligible collateral [1]

Core Insights - The rural commercial bank sector experienced a slight increase of 0.01% on November 11, with Zhangjiagang Bank leading the gains [1] - The Shanghai Composite Index closed at 4002.76, down 0.39%, while the Shenzhen Component Index closed at 13289.0, down 1.03% [1] Stock Performance - Zhangjiagang Bank (002839) closed at 4.66, up 1.08% with a trading volume of 305,100 shares and a transaction value of 1.42 billion [1] - Su Nong Bank (603323) closed at 5.36, up 0.94% with a trading volume of 200,500 shares and a transaction value of 107 million [1] - Jiangyin Bank (002807) closed at 5.05, up 0.80% with a trading volume of 394,000 shares and a transaction value of 1.98 billion [1] - Wuxi Bank (600908) closed at 6.25, up 0.64% with a trading volume of 137,500 shares and a transaction value of 85.68 million [1] - Qingnong Commercial Bank (002958) and Changshu Bank (601128) remained unchanged at 3.27 and 7.25 respectively [1] Fund Flow Analysis - The rural commercial bank sector saw a net outflow of 140 million from institutional investors, while retail investors contributed a net inflow of 79.48 million [1] - Zhangjiagang Bank had a net inflow of 6.31 million from institutional investors, but a net outflow of 4.63 million from retail investors [2] - Wuxi Bank experienced a net inflow of 2.46 million from institutional investors, with retail investors contributing a net inflow of 3.07 million [2] - Qingnong Commercial Bank faced a significant net outflow of 23.40 million from institutional investors, while retail investors contributed a net inflow of 20.09 million [2] - Yunnan Agricultural Bank (601077) had the highest net outflow of 87.93 million from institutional investors, with retail investors contributing a net inflow of 47.76 million [2]

Core Insights - The agricultural commercial bank sector experienced a rise of 0.92% on November 10, with Shanghai Agricultural Commercial Bank leading the gains [1] - The Shanghai Composite Index closed at 4018.6, up 0.53%, while the Shenzhen Component Index closed at 13427.61, up 0.18% [1] Sector Performance - Shanghai Agricultural Commercial Bank (601825) closed at 60.6, with a gain of 2.48% and a trading volume of 291,000 shares, amounting to a transaction value of 263 million yuan [1] - Changshu Bank (601128) closed at 7.25, up 0.97%, with a trading volume of 290,900 shares and a transaction value of 210 million yuan [1] - Ruifeng Bank (601528) closed at 5.67, up 0.53%, with a trading volume of 144,300 shares and a transaction value of 81.76 million yuan [1] - Zhangjiagang Bank (002839) closed at 4.61, up 0.44%, with a trading volume of 129,300 shares and a transaction value of 135 million yuan [1] - Yuanxi Bank (600908) closed at 6.21, up 0.32%, with a trading volume of 117,800 shares and a transaction value of 72.99 million yuan [1] - Shinan Bank (603323) closed at 5.31, up 0.19%, with a trading volume of 165,600 shares and a transaction value of 87.91 million yuan [1] - Zijin Bank (601860) closed at 2.88, unchanged, with a trading volume of 366,300 shares and a transaction value of 105 million yuan [1] - Qingnong Commercial Bank (002958) closed at 3.27, unchanged, with a trading volume of 557,400 shares and a transaction value of 182 million yuan [1] - Yunnan Agricultural Commercial Bank (601077) closed at 7.00, down 0.14%, with a trading volume of 633,700 shares and a transaction value of 444 million yuan [1] - Jiangyin Bank (002807) closed at 5.01, down 0.20%, with a trading volume of 391,700 shares and a transaction value of 196 million yuan [1] Fund Flow Analysis - The agricultural commercial bank sector saw a net outflow of 210 million yuan from main funds, while retail funds experienced a net inflow of 118 million yuan [1] - The main fund flow for Shanghai Agricultural Commercial Bank was a net inflow of 9.12 million yuan, while retail funds saw a net outflow of 197,440 yuan [2] - Ruifeng Bank had a main fund net inflow of 4.43 million yuan, but retail funds experienced a net outflow of 763.71 million yuan [2] - Zhangjiagang Bank had a significant main fund net outflow of 16.33 million yuan, while retail funds saw a net inflow of 1.77 million yuan [2] - Changshu Bank experienced a main fund net outflow of 21.87 million yuan, with retail funds seeing a net inflow of 26.42 million yuan [2] - Qingnong Commercial Bank had a main fund net outflow of 32.17 million yuan, while retail funds had a net inflow of 20.39 million yuan [2] - Yunnan Agricultural Commercial Bank faced a substantial main fund net outflow of 143 million yuan, but retail funds had a net inflow of 59.38 million yuan [2]

Core Insights - The report highlights the significant growth and development of inclusive finance in China, particularly focusing on small and micro enterprises and rural areas, with a notable annual growth rate of over 20% in inclusive micro loans during the 14th Five-Year Plan period [1][2] - As of June 2025, the balance of inclusive micro loans reached 36 trillion yuan, which is 2.3 times that of the end of the 13th Five-Year Plan, with a decrease in interest rates by 2 percentage points [1][2] - The average interest rate for newly issued inclusive micro loans was 3.48% as of June 2025, reflecting a decrease of 66 basis points year-on-year [1][2] Group 1: Digital Empowerment - Digital technology has been a key driver for the development of inclusive finance, with banks utilizing big data and AI to enhance loan approval efficiency and reduce financing costs [2][7] - The market structure among banks is changing, with large commercial banks holding a 45.11% share of inclusive micro loans, while rural financial institutions have seen a decline in their market share [2][3] - The average growth rate of inclusive micro loans has been slowing down, with a decrease from 30.9% in 2020 to 12.3% by mid-2025 [2][3] Group 2: Performance of Listed Banks - Among listed banks, Agricultural Bank of China, Industrial and Commercial Bank of China, and Beijing Bank reported the highest growth rates in inclusive micro loans at 18.50%, 17.30%, and 17.27% respectively [3][4] - In contrast, some banks, including Shanghai Bank and Zhengzhou Bank, experienced negative growth rates of -3.97% and -2.06% [3][4] - The performance of different banks varies significantly, with state-owned banks generally showing stronger growth in inclusive micro loans compared to smaller banks [3][4] Group 3: Interest Rates and Risk Management - The interest rates for newly issued inclusive micro loans have decreased across various banks, with the highest rate at 4.20% and the lowest at 2.94% [7][8] - The gap in interest rates between large and small banks is narrowing, with some large banks' rates aligning closely with those of smaller banks [8][9] - The report emphasizes the importance of risk management in the inclusive finance sector, with several banks focusing on improving asset quality and managing non-performing loans [9][10]

Group 1 - The core point of the article is the approval of Wang Qingjin's qualification as an independent director of Qingdao Rural Commercial Bank by the National Financial Supervision Administration [1] Group 2 - Qingdao Rural Commercial Bank (002958) announced the receipt of the approval on November 7 [1] - The approval was issued by the Qingdao Regulatory Bureau of the National Financial Supervision Administration [1] - This appointment is significant for the governance structure of the bank [1]

王庆金先生的简历详见本行 2025 年 8 月 13 日在巨潮资讯网 （http://www.cninfo.com.cn）披露的《第五届董事会第十次临时会议决议公告》。 特此公告。 青岛农村商业银行股份有限公司董事会 2025 年 11 月 7 日 证券代码：002958 证券简称：青农商行 公告编号：2025-054 转债代码：128129 转债简称：青农转债 青岛农村商业银行股份有限公司 关于独立董事任职资格获核准的公告 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，青岛农村商业银行股份有限公司（以下简称本行）收到《国家金融监督管 理总局青岛监管局关于王庆金青岛农商银行独立董事任职资格的批复》（青金复〔2025〕 253 号），核准王庆金青岛农村商业银行股份有限公司独立董事的任职资格。 ...