| 证券代码：002958 | 证券简称：青农商行 | 公告编号:2025-026 | | --- | --- | --- | | 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 2025 年二级资本债券发行完毕的公告 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。 经国家金融监督管理总局青岛监管局和中国人民银行批准，青岛农村商业银行股 份有限公司（以下简称本行）近日在全国银行间债券市场发行"青岛农村商业银行 股份有限公司 2025 年二级资本债券"（以下简称本次债券）。 本次债券簿记建档日为 2025 年 6 月 20 日，缴款日为 2025 年 6 月 24 日，发行规 模为人民币 20 亿元，为 10 年期固定利率债券，在第 5 年末附有条件的发行人赎回 权，发行人在有关监管机构认可的前提下有权按面值部分或全部赎回该品种债券， 票面利率为 2.04%。 本期债券募集资金将依据适用法律和监管部门的要求，充实本行二级资本。 特此公告。 青岛农村商业银行股份有限公司董事会 1 2025 年 6 月 24 日 ...

Core Viewpoint - The article highlights the resilience and vitality of China's foreign trade, showcasing the role of Qingdao Rural Commercial Bank in supporting small and micro foreign trade enterprises through innovative financial services and products [1][2][10]. Group 1: Foreign Trade Growth - China's foreign trade has shown remarkable growth, with electric vehicle exports increasing by 19% in the first five months of the year, and imports and exports to ASEAN and Africa growing by 9.1% and 12.4% respectively [1]. - The bank has supported over 13,000 foreign trade enterprises, nearly half of the total in Qingdao, demonstrating its significant impact on the local economy [2]. Group 2: Financial Innovation - Qingdao Rural Commercial Bank has introduced various innovative financial products, such as the "China-Pakistan Clearing Express" which offers up to 75% savings on transaction fees for cross-border settlements [2][5]. - The bank's "Foreign Trade Boost Loan" allows enterprises to apply for loans without collateral, providing financing support through credit and intellectual property pledges [5][6]. Group 3: Digital Transformation - The bank has integrated foreign trade data into its credit assessment system, transforming previously unused data into valuable assets for financing [6][7]. - The "Tariff e-loan 2.0" product has supported 1,379 enterprises with a total credit limit of 405 million yuan, showcasing the effectiveness of data-driven financial solutions [6]. Group 4: Risk Management - Qingdao Rural Commercial Bank emphasizes a balanced approach to risk management, implementing a comprehensive risk control system while maintaining rapid business growth [8][9]. - The bank has established a differentiated credit policy based on industry and development stage, ensuring tailored financial services for small and micro enterprises [9]. Group 5: Future Outlook - The bank aims to deepen its focus on supporting agriculture and small enterprises while leveraging its advantages in international business to create a resilient cross-border financial ecosystem [10][11]. - The commitment to digital finance and expanding cross-border services is expected to enhance the bank's role as a financial partner for small foreign trade enterprises [10].

Core Viewpoint - The company is focused on maintaining steady growth in loan issuance while supporting the real economy and rural revitalization efforts, with a strategic emphasis on agricultural and small micro-enterprises [3]. Group 1: Impact of U.S. Tariff Policies - The overall impact of U.S. tariff policies on the bank's clients is manageable, as there are few credit clients involved in U.S. imports and exports [2]. - The bank plans to closely monitor international policy changes and provide services such as exchange rate hedging to help clients mitigate trade risks [2]. - The bank will enhance financial support for existing import and export credit clients through fee reductions and process optimizations [2]. Group 2: Loan Growth Outlook - The bank expects a steady increase in loan scale for 2025, focusing on supporting the real economy and rural revitalization [3]. - There will be an emphasis on credit issuance for agricultural and small micro-enterprises, reinforcing the bank's strategic positioning in these areas [3]. - The bank aims to control risks while increasing loan issuance and optimizing loan structures to support economic development [3]. Group 3: Fee Income and Business Development - The bank plans to implement multiple measures to advance its intermediary business development in 2025 [4]. - There will be a focus on optimizing asset management structures and enhancing the scale of insurance product sales [4]. - The bank aims to improve comprehensive service capabilities for corporate clients, addressing their diverse needs in financing, foreign exchange trading, and asset management [4]. Group 4: Financial Performance - In the first quarter of 2025, the bank reported a main revenue of 3.057 billion yuan, a year-on-year increase of 0.99% [5]. - The net profit attributable to shareholders was 1.182 billion yuan, reflecting a year-on-year growth of 7.97% [5]. - The bank's investment income reached 0.962 billion yuan, with a debt ratio of 91.89% [5].

编号:2025-08 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 中泰证券邓美君、王玉瑶，招商基金罗丽思 时间 2025 年 6 月 20 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. 美国关税政策对贵行客户影响如何？贵行有何应对措施？ 答：从整体来看，涉及对美进出口的企业在我行授信客户较少，总体 影响可控。我行将密切关注相关国际政策带来的变化，为企业提供汇率避 险等服务，助力企业规避贸易风险；同时加强对存量进出口授信企业的金 融支持力度，通过减费让利、优化流程等措施，助力企业拓展销路，降低 企业融资成本，提高融资效率。 2. 贵行全年新增贷款展望如何？ 答：2025 年我行贷款规模预计保持稳步增长。我行将继续围绕支持实 体经济、服务乡村振兴，加大涉农、普惠小微的信贷投放，夯实"支农支 小"的战略定位，持续加强对普惠金融、绿色金融、战略性新兴产业等重 点领域的支持力度，持续积极推进信贷业务增长，紧跟金融发展趋势，不 断调整和优化信贷投放 ...

证券代码：002958 证券简称：青农商行 公告编号:2025-025 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 关于获准发行资本工具的公告 2025 年 6 月 17 日 1 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青岛农商银行发行资本工具的批复》（青金复〔2025〕132 号）， 同意本行发行不超过 20 亿元人民币的资本补充工具，本行可在批准额度内，自主决 定具体工具品种、发行时间、批次和规模，并于批准后 24 个月内完成发行。 本行将严格遵守《商业银行资本管理办法》等有关规定，做好资本工具发行管理 等工作。 特此公告。 青岛农村商业银行股份有限公司董事会 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。 ...

Core Viewpoint - The introduction of a new fruit income insurance product by China Life Property & Casualty Insurance Qingdao Branch provides dual protection for fruit farmers against both yield losses due to natural disasters and income losses from market price declines [1][2]. Group 1: Product Features - The total insurance coverage for the fruit income insurance product is 1.49 million yuan, transitioning from "cost protection" to "income protection" [1]. - The insurance covers risks from natural disasters (such as hail, drought, and floods), accidents, and pest damage, ensuring compensation when actual income falls below the target income specified in the insurance contract [1]. Group 2: Collaborative Model - The successful implementation of this innovative insurance scheme is attributed to the collaboration among banks, insurance companies, and enterprises, creating a multi-dimensional risk protection and financing support model for the fruit industry [2]. - Shandong Rugong Agricultural Service Co., Ltd. provides support in selection, cultivation, management, and sales, while also supplying reliable yield and market price data during the insurance period [2]. - Qingdao Rural Commercial Bank offers financing services, allowing farmers to use the insurance policy as collateral for loans, enhancing their repayment capacity [2]. Group 3: Future Outlook - The company aims to continuously innovate its products and services to meet the diverse protection needs of farmers, thereby supporting high-quality agricultural development and stable income growth for farmers [2].

Market Overview - A-shares experienced a low open and high close, with the Shanghai Composite Index rising by 0.35%, Shenzhen Component Index by 0.41%, and ChiNext Index by 0.66% [1] - The total market turnover reached 12,435 billion, with over 3,500 stocks in the market closing in the green [1] Stablecoin Concept - The stablecoin concept surged throughout the day, with the digital currency sector rising by 4.72%, making it the top-performing industry concept [2] - Notable stocks included Tianyang Technology and Sifang Jingchuang hitting the 20% limit up, while Lakala rose over 15% [2] - The positive sentiment is attributed to favorable policies boosting investor confidence, with long-term prospects for stablecoins expected to drive the virtual asset industry [3] Financial Sector Performance - The banking sector showed strong performance, with Qingnong Commercial Bank and Sunong Bank rising over 3%, and several banks reaching historical highs [4] - The People's Bank of China reported an increase in social financing scale and new RMB loans, indicating a robust financial environment [4] - Analysts suggest that bank stocks have strong earnings certainty and recommend focusing on their investment value due to stable fundamentals and low valuations [5] Real Estate Sector Activity - The real estate sector exhibited strong performance, with a 1.69% overall increase, and 81 out of 91 stocks rising [6] - Positive policy signals from the government aim to stabilize the real estate market, with measures to optimize existing policies and enhance market expectations [6][7] - The National Bureau of Statistics indicated that the real estate market is moving towards stabilization, supported by the implementation of various policies [7]

Core Viewpoint - The article emphasizes the significant advancements in rural finance and the integration of urban and rural development in China, particularly through the innovative "Xiao Wei Yun" service platform developed by Qingdao Rural Commercial Bank, which aims to enhance financial services in rural areas and support the rural revitalization strategy [1][7]. Group 1: Financial Innovation and Services - The "Xiao Wei Yun" platform integrates basic financial services, government services, and convenience services, effectively shortening service chains and improving efficiency to meet diverse customer needs [1][3]. - The platform has established approximately 1,500 service points across urban and rural areas, addressing the accessibility issues of financial services in rural regions [2][3]. - The service terminal supports various functionalities, including identity verification and transaction processing, catering especially to the elderly population in rural areas [3][4]. Group 2: Integration of Financial and Government Services - The "Xiao Wei Yun" platform connects with various government departments to provide over a hundred high-frequency government services at rural convenience stores, creating a comprehensive service ecosystem [5][6]. - This integration allows for a seamless transition of government services from centralized locations to local service points, enhancing convenience for rural residents [5][6]. Group 3: Economic and Social Impact - The "Xiao Wei Yun" service model not only benefits rural customers by saving time and transportation costs but also supports local businesses by attracting more customers to convenience stores [6][7]. - The platform has received recognition for its innovative approach and has been awarded multiple innovation awards, highlighting its societal value and replicability [6][7].

| 证券代码：002958 | 证券简称：青农商行 | 公告编号：2025-019 | | --- | --- | --- | | 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 关于持股 5%以下股东股份将被司法强制执行的 提示性公告 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。 青岛农村商业银行股份有限公司（以下简称本行）于近日收到招商证券股份有限 公司青岛香港花园证券营业部转来的山东省淄博市张店区人民法院《协助执行通知书 》，要求其协助法院处置巴龙国际集团有限公司（以下简称巴龙集团）所持本行的部 分股份。现将有关情况公告如下： 一、股东股份将被司法强制执行的情况 本次巴龙集团被司法强制执行的股份不超过5,660,000股，占本行总股本的0.1019% 。 二、其他说明 截至本公告披露日，巴龙集团及巴龙国际建设集团有限公司（以下简称巴龙建设 ）作为一致行动人合计持有本行5%以下的股份。巴龙集团及巴龙建设在本行上市时 作为持有本行5%以上股份的股东做出如下承诺"在青岛农商银行首次公开发行的境内 人民币普通股股票在证券交易所 ...

青岛农村商业银行股份有限公司（以下简称本行）收到本行非执行董事刘冰冰先 生、李庆香女士提交的辞职报告。参照银行业关键人员任职期限的相关规定，刘冰冰 先生辞去本行第五届董事会非执行董事职务，并不再担任本行董事会战略规划委员会 委员职务。因工作调动原因，李庆香女士辞去本行第五届董事会非执行董事职务，并 不再担任本行董事会三农金融服务与消费者权益保护委员会委员职务。根据相关法律 法规及本行《公司章程》规定，刘冰冰先生、李庆香女士的辞任自辞职报告送达董事 会时生效，具体情况如下： | 姓名 | 离任职务 | 离任时间 | 原定任期 | 离任原因 | 是否继续在 本公司及其 | 是否存在未 履行完毕的 | | --- | --- | --- | --- | --- | --- | --- | | | | | 到期日 | | 控股子公司 任职 | 公开承诺 | | | | | | 参照银行业 | | | | 刘冰冰 | 第五届董事会非执 行董事、董事会战 | 2025年6 | 2027年6 | 关键人员任 | 否 | 否 | | | 略规划委员会委员 | 月4日 | 月18日 | 职期限的相 关规定 | | | | | ...