Market Overview - On September 18, the rural commercial bank sector declined by 1.73%, with Changshu Bank leading the drop [1] - The Shanghai Composite Index closed at 3831.66, down 1.15%, while the Shenzhen Component Index closed at 13075.66, down 1.06% [1] Individual Stock Performance - The closing prices and percentage changes for key rural commercial banks are as follows: - Hu Nong Commercial Bank: 8.41, -0.94% - Yu Nong Commercial Bank: 6.35, -1.55% - Wuxi Bank: 5.84, -1.68% - Ruifeng Bank: 5.34, -1.84% - Zijin Bank: 2.90, -2.03% - Su Nong Bank: 5.11, -2.11% - Zhangjiagang Bank: 4.35, -2.25% - Qing Nong Commercial Bank: 3.17, -2.46% - Jiangyin Bank: 4.58, -2.97% - Changshu Bank: 7.02, -3.17% [1] Capital Flow Analysis - The rural commercial bank sector experienced a net outflow of 58.22 million yuan from main funds, while retail investors saw a net inflow of 59.78 million yuan [1] - The capital flow for individual banks shows: - Yu Nong Commercial Bank: Main funds net inflow of 36.53 million yuan, retail net outflow of 9.74 million yuan - Wuxi Bank: Main funds net inflow of 21.54 million yuan, retail net outflow of 16.86 million yuan - Zhangjiagang Bank: Main funds net inflow of 4.67 million yuan, retail net outflow of 13.05 million yuan - Changshu Bank: Main funds net outflow of 62.08 million yuan, retail net inflow of 74.20 million yuan [2]

9月17日，"向'信'而行诚'势'而为"2025山东省社会信用体系建设主题调研团走进青岛市。在这里，社会 信用体系建设恰似春风化雨，深度融入教育、文旅、金融等关键领域，不仅催生出累累发展硕果，更让 本土文化魅力绽放光彩，铸就起极具影响力的特色品牌，为青岛区域高质量发展持续注入强劲动能。 在教育领域信用体系建设的征程中，青岛胶州市里岔镇里岔小学探索实践"1+2+3+N"工作法，精心打造 出诚信教育特色品牌，为区域校园信用建设树立标杆。 以"信用+专班"为核心驱动力，里岔小学充分发挥校党组织的领导核心作用，构建起涵盖信用分级分类 管理、信用承诺、信用积分的完善制度体系。同时，组建校信用议事会、校信用中心、信息采集库"三 位一体"专班队伍，为信用工作落地见效筑牢组织根基。 里岔小学聚焦信用培育与管理开发信用教育专题校本课程，将诚信理念融入各学科教学环节，实现信用 教育全覆盖。学校还邀请政府、银行等领域专业人士担任"信用大使"，定期开展信用讲座与教学研讨， 为师生搭建起接触多元信用知识的平台。 家校社协同融合是里岔小学信用建设的一大亮点。学校积极搭建家校、银行、企业、商户、社区"五位 一体"交流机制，打造专属实训基地 ...

自2025年5月青岛农商银行与青岛市市场监督管理局携手推出"个体益贷"金融服务以来，该业务凭借创 新模式与精准服务，在支持个体工商户、助力小微经济发展方面初显成效。截至目前，该业务新增贷款 余额突破2亿元，惠及全市超400户优质个体工商户，为小微经济发展注入金融活水。 数据赋能政银协作，破解个体工商户融资瓶颈 "真没想到，凭信用和流水就能贷到50万元，提供简单的材料，钱就到位了，进货周转再不发愁！"市北 区海鲜批发经营者刘老板的感慨，道出了众多个体工商户在"个体益贷"服务下的融资便利。 "个体益贷"是青岛农商银行与青岛市市场监督管理局深化政银合作的创新成果，依托"青融通"平台数据 共享与联合建模技术打造的数字化信贷业务新模式。该模式通过归集和分析个体工商户经营、信用等数 据，实现分级分类精准授信。同时平台设立个体工商户专属融资通道，支持线上申请，大幅简化了贷款 流程，极大提升了融资效率。 针对个体工商户"轻资产、周转急、融资难"等问题，该模式定制化提供"随借随还、利率优惠"的灵活信 贷服务，有效打通融资"最后一公里"。 普惠实效显著，多维助力民生行业发展 "个体益贷"服务聚集民生领域，将信贷资源重点投向青岛市 ...

Group 1 - Qingdao Rural Commercial Bank successfully issued a "Three Rural" special financial bond with a scale of 500 million yuan and a term of 3 years, featuring a coupon rate of 1.88%, marking the first floating rate "Three Rural" special financial bond in the country [1] - The funds raised from this bond issuance will be entirely used for agricultural loans, reflecting the bank's commitment to the People's Bank of China's encouragement for financial institutions to issue "Three Rural" financial bonds [1] - The bond is based on the DR007 benchmark interest rate, which accurately reflects market supply and demand, providing unique advantages over traditional fixed-rate bonds, enhancing flexibility and adaptability for both banks and investors [1] Group 2 - Qingdao Rural Commercial Bank has actively supported the national rural revitalization strategy by channeling significant financial resources into rural areas, addressing key challenges in the "Three Rural" development [2] - As of June 30, 2025, the bank's agricultural loan balance reached 59.1 billion yuan, ranking first among financial institutions in the city [2] - The bank aims to strengthen its market positioning focused on "supporting agriculture and small enterprises," increasing credit investment in key areas such as "Three Rural" to enhance financial services for rural revitalization [2]

Group 1 - The core viewpoint of the report highlights that the banking sector is experiencing a recovery in revenue growth and profitability, with a year-on-year increase in operating income of 1.04% and a net profit growth of 0.80% in the first half of 2025, indicating a positive trend after previous declines [3][17][19] - The report emphasizes the importance of "volume-price balance" in banking operations for 2025, with banks focusing on improving asset quality and avoiding excessive low-priced credit supply, leading to a slight decrease in the loan ratio to 55.8% for listed banks [4][27][29] - Non-interest income has shown significant recovery, with a notable contribution from investment income, which is expected to account for 29.5% of total revenue in the first half of 2025, reflecting a shift towards diversified income sources [3][4][24] Group 2 - The report identifies challenges in the asset side of banks, including difficulties in finding quality assets and the need for balance sheet adjustments rather than mere expansion, as the demand for credit remains weak [4][5] - On the liability side, the trend of "wealthization" of deposits is creating liquidity management challenges, with a significant amount of high-interest fixed deposits maturing in the second half of 2025, potentially leading to a reduction in deposit costs [5][6] - The report notes a divergence in the provisioning trends between state-owned banks and smaller banks, with state-owned banks increasing their provisions while smaller banks face a decline in their coverage ratios due to rising non-performing loans [6][7][24] Group 3 - Investment strategies suggested in the report include focusing on banks with stable dividends and low implied price-to-book ratios, as well as selecting stocks based on funding attributes, competitive landscape, safety margins, and dividend strategies [7][8] - The report highlights specific banks that are expected to benefit from the current competitive landscape, including Agricultural Bank of China, China Merchants Bank, and CITIC Bank, among others [7][8][24] - The overall outlook for the banking sector remains cautiously optimistic, with expectations of a stabilization in net interest margins around 1.4% for the year [3][4][5]

Core Viewpoint - Qingnong Commercial Bank has received approval for the appointment of two new directors, Zhang Kun and Tang Jing, from the National Financial Supervision Administration's Qingdao Regulatory Bureau [1] Group 1 - Qingnong Commercial Bank announced the receipt of the approval for Zhang Kun's directorship [1] - The bank also received approval for Tang Jing's directorship [1]

证券代码：002958 证券简称：青农商行 公告编号：2025-045 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张坤青岛农商银行董事任职资格的批复》（青金复〔2025〕204 号）、《国家金融监督管理总局青岛监管局关于唐静青岛农商银行董事任职资格的批 复》（青金复〔2025〕205 号），分别核准张坤先生、唐静女士青岛农村商业银行股 份有限公司董事的任职资格。 张坤先生、唐静女士的简历详见本行 2025 年 6 月 5 日在巨潮资讯网 （http://www.cninfo.com.cn）披露的《第五届董事会第五次会议决议公告》。 特此公告。 青岛农村商业银行股份有限公司董事会 2025 年 9 月 16 日 ...

Market Overview - The rural commercial bank sector experienced a slight decline of 0.09% on September 16, with Changshu Bank leading the drop [1] - The Shanghai Composite Index closed at 3861.87, up 0.04%, while the Shenzhen Component Index closed at 13063.97, up 0.45% [1] Individual Stock Performance - Zijin Bank (601860) closed at 2.96, up 1.37% with a trading volume of 667,700 shares and a turnover of 197 million yuan [1] - Chongqing Rural Commercial Bank (601077) closed at 6.40, up 0.47% with a trading volume of 1,039,100 shares and a turnover of 664 million yuan [1] - Zhangjiagang Bank (002839) closed at 4.45, up 0.45% with a trading volume of 226,300 shares and a turnover of 101 million yuan [1] - Su Nong Bank (603323) closed at 5.22, up 0.19% with a trading volume of 209,100 shares and a turnover of 109 million yuan [1] - Changshu Bank (601128) closed at 7.39, down 1.73% with a trading volume of 450,000 shares and a turnover of 335 million yuan [1] Capital Flow Analysis - The rural commercial bank sector saw a net inflow of 5.63 million yuan from institutional investors, while retail investors experienced a net outflow of 0.70 million yuan [1] - Major capital flows for Chongqing Rural Commercial Bank showed a net inflow of 73.19 million yuan from institutional investors, but a net outflow of 32.84 million yuan from retail investors [2] - Qingnong Bank (002958) had a net inflow of 8.92 million yuan from retail investors despite a net outflow of 8.54 million yuan from institutional investors [2]

证券代码：002958 证券简称：青农商行 青岛农村商业银行股份有限公司投资者关系活动记录表 编号:2025-10 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 信达证券张弛、山东省信用增进牟飞 时间 2025 年 9 月 16 日下午 地点 本行 4 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.今年零售中间业务收入增长主要来源和持续性？ 答：目前，理财业务仍是我行中收的重要来源，今年以来，我行大力 拓展财富业务，一是搭建普惠财富管理体系和私行财富管理体系，完善产 品支撑、队伍支撑、服务支撑、科技支撑等，提升财富管理综合能力，提 升客户 AUM，加大财富业务整体中收贡献度。二是深化客群精耕，聚焦重 点客群风险偏好、流动性偏好，配备专属产品、专项活动、服务策略，加 大财富产品配置，提升财富中收。三是加大理财经理人才培养力度，搭建 "培训赋能"机制，根据队伍等级评定结果，体系化制定学习地图，梯次 化、差异化进行培训赋能；搭建"实战赋能"机制，通过小班制速训营、 树立 ...

证券之星消息，9月15日农商行板块较上一交易日下跌1.26%，渝农商行领跌。当日上证指数报收于 3860.5，下跌0.26%。深证成指报收于13005.77，上涨0.63%。农商行板块个股涨跌见下表： | 代码 | 名称 | 收盘价 | 涨跌幅 | 成交量(手) | 成交额(元) | | | --- | --- | --- | --- | --- | --- | --- | | 603323 | 苏农银行 | 5.21 | -0.57% | 18.60万 | 9725.06万 | | | 002839 | 张家港行 | 4.43 | -0.67% | 28.54万 | 1.27亿 | | | 600908 | 无锡银行 | 5.94 | -0.83% | 18.67万 | | 1.11亿 | | 601528 | 瑞丰银行 | 5.47 | -0.91% | 11.82万 | 6477.66万 | | | 002958 | 青农商行 | 3.25 | -0.91% | 46.59万 | | 1.51亿 | | 601128 | 常熟银行 | 7.52 | -0.92% | 27.13万 | | 2.05亿 | ...