齐鲁晚报·齐鲁壹点 王赟 一进7月，国家金融监督管理总局山东监管局同日一连发布7张批复，同意济阳北海村镇银行、山东历城圆融村镇银行、济南高新北海村镇银行、德州陵城 圆融村镇银行、武城圆融村镇银行、费县梁邹村镇银行、乐陵圆融村镇银行共计7家村镇银行解散。各银行资产、负债、业务及各项权利义务将由对应银行 承接。 记者注意到，其中有四家冠有"圆融"字号，而"圆融"村镇银行的发起行均为山东寿光农村商业银行股份有限公司。 公开资料显示，寿光农商银行成立于2009年3月份，是在原寿光市农村信用合作联社基础上改制组建的地方性金融机构，截至目前，该行注册资本18.45亿 元。 企查查显示，股权结构上，寿光农商银行第一大股东是山东寿光金鑫投资发展控股集团有限公司，持股比例为7.55%。其余持股5%以上的股东有三家，寿 光市金财公有资产经营有限公司持股6.46%、潍坊市投资集团有限公司持股6.46%和山东寿光巨能集团有限公司持股6.02%。 根据工商登记信息，寿光农商银行在此次被官宣"消失"的四家冠有"圆融"字号的村镇银行的持股情况为，持有武城圆融村镇银行41%的股权、持有陵城圆融 村镇银行49.75%的股权、持有乐陵圆融村镇银 ...

Core Viewpoint - The issuance of technology innovation bonds (科创债) has gained momentum, with various banks participating actively, indicating a strong market response to the supportive policies introduced for these bonds [2][6][12]. Group 1: Issuance Overview - As of July 3, 2025, a total of 419 technology innovation bonds have been issued, with an aggregate issuance scale exceeding 620 billion yuan, highlighting the growing interest in this financial instrument [2]. - Among the issuers, banks have emerged as the main players, having issued 27 bonds with a total scale of over 220 billion yuan [2][3]. Group 2: Bank Participation - Large banks lead in issuance scale, while small and medium-sized banks are also entering the market, with 11 banks participating in the issuance process [3][4]. - The issuance scale of city commercial banks and rural commercial banks collectively reached 391 billion yuan, with notable contributions from banks like Beijing Bank (80 billion yuan) and Shanghai Bank (50 billion yuan) [6][7]. Group 3: Interest Rates and Credit Ratings - The credit ratings of the issuers are predominantly high, with most banks rated AAA, except for one rated AA+ [3][7]. - The interest rates for technology innovation bonds vary, with large banks offering rates between 1.17% and 1.65%, while small and medium-sized banks have higher rates, with some reaching up to 1.95% [3][10]. Group 4: Fund Utilization - The funds raised through technology innovation bonds are primarily directed towards supporting technology loans and investing in bonds issued by technology innovation enterprises, creating a synergistic effect [11]. - Major banks have consistently used the proceeds for "issuing technology loans," while some also invest in technology innovation enterprises' bonds [11]. Group 5: Future Trends - The market is expected to see innovations in bond products and an expansion of issuing entities, with banks likely to introduce more flexible bond terms to cater to the specific needs of technology enterprises [12]. - There is a growing emphasis on technology finance as a strategic focus for banks, particularly among small and medium-sized banks, which may accelerate their participation in the technology innovation bond market [12].

Core Insights - The launch of the Science and Technology Innovation Bonds (科创债) has attracted various participants, with a total issuance of 419 bonds amounting to over 620 billion yuan as of July 3, 2025 [2] - Large banks are leading the issuance, while small and medium-sized banks are also entering the market, increasing the number of issuers to 11 [2] - The credit ratings of the issuers are predominantly high, with most rated AAA, and the interest rates for small and medium-sized banks are higher compared to large banks [2][4] Issuance Overview - As of June 30, 2025, policy banks and state-owned banks are the main issuers, with the China Development Bank issuing 3 bonds totaling 20 billion yuan, and major state-owned banks collectively issuing 1.1 billion yuan [4] - The issuance scale of various banks includes 550 billion yuan from joint-stock banks and 391 billion yuan from city and rural commercial banks [4][5] - The issuance of floating-rate bonds has also been noted, with Sichuan Bank issuing the first floating-rate 科创债 [5] Interest Rates - The overall interest rates for 科创债 are relatively low, with the weighted average interest rate for commercial banks decreasing by 5 basis points [6] - The lowest rates are observed in the China Development Bank's bonds, with rates as low as 1.17% for short-term bonds [6] - Small and medium-sized banks face higher issuance rates, with some reaching up to 1.95% [6] Fund Utilization - The funds raised through 科创债 are primarily directed towards supporting technology loans and investing in bonds issued by technology innovation enterprises [7] - Major banks have a consistent focus on issuing 科创债 for technology loan disbursement, while some joint-stock and city commercial banks also invest in technology innovation bonds [7] Future Trends - There is potential for innovation in bond products and expansion of issuers in the 科创债 market, with banks likely to introduce more flexible bond terms [8] - Small and medium-sized banks are expected to design issuance plans that align with local industry characteristics and technology enterprise funding needs [8]

投资者关系活动类 别 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 □现场参观 □其他： 参与单位名称及人 员姓名 招商证券策略会，与千禧年基金 1 对 1 交流 时间 2025 年 7 月 3 日下午 地点 招商证券大厦 22 楼会议室 上市公司接待人员 姓名 本行高管及相关部门人员 投资者关系活动主 要内容介绍 1.去年制造业、批发零售业贷款投的非常好，怎么评估这类实体资金需 求的持续性？ 答：随着五大重点领域金融工作的推进，制造业等领域贷款仍然是本 行的贷款主要投向，目前看技术改造升级贷款占比不高，但技改升级是制 造业企业长久发展的基础，特别是高新技术企业客群，为了提高市场竞争 力和产品附加值，技术改造需求在某个企业可能是阶段性的，但是在整个 行业内会一直存在。批发零售业、餐饮住宿业等涉及民生的行业也是本行 作为地方法人银行支持区域经济发展必须加大投放的领域，只要客户有需 求，本行将积极提供贷款支持，做到能投尽投、应放尽放。 2.一季度的存款增的非常好，是什么原因？ 答：本行一季度末吸收存款余额 3396.82 亿元，较年初新增 130.09 亿 元，同比增幅 3.98% ...

Group 1 - The core viewpoint of the news is that Qingdao Rural Commercial Bank successfully issued 1 billion yuan in technology innovation bonds, marking the first issuance of such bonds by a rural commercial bank in China and the first by a local bank in Shandong province [1][2] - The funds raised from the technology innovation bonds will be used to support the development of technology enterprises, focusing on the "10+1" innovative industrial system prioritized by Qingdao city [1] - The issuance aligns with the initiatives announced by the People's Bank of China and the China Securities Regulatory Commission to support financial institutions and technology enterprises in issuing technology innovation bonds [1] Group 2 - Qingdao Rural Commercial Bank aims to enhance its service capabilities for the regional economy by establishing a comprehensive service matrix based on its financial market licenses [2] - The bank holds qualifications as a market maker in the interbank bond market and as a primary dealer in open market operations, allowing it to utilize diverse financial tools to support the development of the real economy [2] - The successful issuance of technology innovation bonds will strengthen the bank's long-term financial support for technology enterprises, ensuring funding for technological breakthroughs and the transformation of results [2]

Core Insights - Qingdao Rural Commercial Bank successfully completed the first national pledge re-loan transaction of technology innovation bonds on June 27, 2025, pledging 100 million yuan, marking a significant innovation in financial support for technology enterprises [1][2] - The People's Bank of China and the China Securities Regulatory Commission have issued an announcement to support the issuance of technology innovation bonds, aiming to create a more diversified financing system for technology enterprises [1][2] - Qingdao Rural Commercial Bank has established a comprehensive financial service matrix, enhancing regional technological innovation capabilities and supporting the development of technology enterprises [2][3] Group 1 - The successful transaction expands the application scenarios of technology innovation bonds beyond traditional financing tools, allowing them to be used as pledge financing targets [1][2] - Qingdao Rural Commercial Bank has achieved full-chain coverage in the technology innovation bond sector, including issuance, investment, and pledge, enhancing the efficiency and quality of financial resource allocation [2] - The bank's commitment to supporting technology enterprises is reflected in its recent issuance of the first technology innovation bond in Shandong province [2][3] Group 2 - Qingdao Rural Commercial Bank aims to continue exploring innovative applications of technology innovation bonds, leveraging its advantages as a local bank to enhance financial services for technology enterprises [3] - The bank's long-term focus on supporting technology enterprises aligns with national policy directions, contributing to high-quality development in the technology sector [3]

Group 1 - The core point of the announcement is the adjustment of the conversion price for the company's convertible bonds due to the profit distribution plan for the year 2024 [1][2] - The conversion price before adjustment was set at RMB 4.12 per share, which will be adjusted to RMB 4.00 per share [1][2] - The effective date for the new conversion price will be July 9, 2025, following the equity distribution date of July 8, 2025 [1][2] Group 2 - The company issued a total of RMB 5 billion in A-share convertible bonds on August 25, 2020, under the name "Qingnong Convertible Bonds" [2] - According to the company's regulations, the conversion price is adjusted based on the formula: P1 = P0 - D, where P0 is the initial conversion price, D is the cash dividend per share, and P1 is the adjusted conversion price [2] - The cash dividend distribution will be RMB 1.20 per 10 shares for shareholders registered after the market closes on July 8, 2025, with no stock bonus or capital increase [1][2]

Core Viewpoint - Qingdao Rural Commercial Bank has announced its 2024 annual profit distribution plan, which includes a cash dividend of RMB 1.20 per 10 shares for shareholders, approved during the shareholders' meeting held on June 25, 2025 [1][2]. Summary by Sections Shareholders Meeting Approval - The profit distribution plan was approved at the shareholders' meeting on June 25, 2025, proposing a cash dividend of RMB 1.20 per 10 shares, with no stock bonus or capital increase [1][2]. Dividend Distribution Details - The cash dividend will be distributed based on the total share capital as of the record date (July 8, 2025), with a net dividend of RMB 1.08 for certain investors after tax deductions [2][3]. - The distribution will not involve withholding personal income tax for individual shareholders until the transfer of shares, where tax will be calculated based on the holding period [2][3]. Record and Ex-Dividend Dates - The record date for the dividend distribution is set for July 8, 2025, and the ex-dividend date is July 9, 2025 [2][3]. Dividend Recipients - The dividend will be distributed to all shareholders registered with the China Securities Depository and Clearing Corporation Limited, Shenzhen Branch, as of the record date [3]. Distribution Method - Cash dividends for A-share shareholders will be directly credited to their accounts through their securities companies on the ex-dividend date [3]. - The bank will bear all legal responsibilities if there are insufficient funds for dividend distribution due to a decrease in shares held by self-distributing shareholders [3]. Convertible Bond Adjustment - The conversion price of the bank's convertible bonds will be adjusted in accordance with the profit distribution plan, with further details provided in a separate announcement [3].

Summary of Key Points Core Viewpoint - Qingdao Rural Commercial Bank has reported the results of its convertible bond conversion and share changes for the second quarter of 2025, indicating limited conversion activity and adjustments to the conversion price over time [1][2][4]. Group 1: Convertible Bond Conversion Status - As of June 30, 2025, a total of RMB 310,100 worth of Qingnong convertible bonds have been converted into 63,685 shares, representing 0.0011% of the total issued ordinary shares prior to conversion [1]. - The remaining balance of unconverted Qingnong convertible bonds as of June 30, 2025, is RMB 49,996,899 [4]. Group 2: Convertible Bond Issuance Overview - The bank issued 50 million convertible bonds on August 25, 2020, with a face value of RMB 100 each, totaling RMB 5 billion, and an initial conversion price of RMB 5.74 per share [1][2]. - The conversion price has been adjusted multiple times due to annual profit distributions, with the latest adjustment reducing the price from RMB 4.12 to RMB 4.00 per share, effective from July 9, 2025 [4]. Group 3: Share Changes - From April 1, 2025, to the end of the second quarter, the number of shares decreased by 20 due to bond conversions, resulting in a total share count of 5,555,619,241 as of June 30, 2025 [5]. - The proportion of unrestricted circulating shares remained stable at 88.91% despite the minor changes in total share count [5].

| 证券代码：002958 | 证券简称：青农商行 公告编号：2025-030 | | --- | --- | | 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 2024年年度权益分派实施公告 本行及董事会全体成员保证公告内容的真实、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）2024年年度权益分派方案 已经2025年6月25日召开的本行2024年度股东大会审议通过，现将权益分派事宜 公告如下： 一、股东大会审议通过权益分派方案情况 （一）2025年6月25日，本行2024年度股东大会审议通过了《关于青岛农村 商业银行股份有限公司2024年度利润分配方案的议案》：本行拟以本次实施权益 分派股权登记日的总股本为基数，向收市后登记在册的普通股股东每10股派发现 金红利人民币1.20元（含税），不送股，不转增股本。 （二）由于本行发行的可转债处于转股期，在本次权益分派股权登记日前本 行总股本发生变动的，拟维持每股分配金额不变，相应调整分配现金红利总额。 （三）本次实施的分配方案与股东大会审议通过的分配方案一致。 （四）本次实施分 ...