机构观点 经济观察网 2026年02月23日，渤海银行CIPS直参系统正式上线，据报道上线两天结算额突破9.1亿元， 显示其在跨境支付基础设施领域的积极参与。 股票近期走势 渤海银行股价在近一周表现积极。2026年02月20日，该股上涨1.40%；02月23日收盘报0.91港元，单日 上涨1.11%。同期，港股银行板块整体上涨1.44%，恒生指数上涨2.53%。 天风证券于2026年02月22日发布银行行业研报指出，商业银行息差已连续三个季度企稳于1.42%，LPR 维持稳定，央行货币政策呈现"名稳实降"特征。该研报认为，贷款定价偏高可能对信贷需求形成反噬， 预计2026年信贷增速或降至5.5%以下。 以上内容基于公开资料整理，不构成投资建议。 ...

Core Viewpoint - Bohai Bank emphasizes its commitment to consumer protection and financial education, achieving significant outreach and recognition in 2025 through innovative practices and a comprehensive consumer protection culture [1][4][12]. Group 1: Consumer Protection Initiatives - In 2025, Bohai Bank reached 1.23 billion people through financial education, achieving a 100% complaint resolution rate and a 100% mediation execution rate, showcasing its dedication to consumer rights [1][12]. - The bank established a complete consumer protection culture system, including the issuance of guidelines and extensive training, with over 1,100 training sessions and participation from more than 130,000 employees [3][12]. - Bohai Bank's proactive complaint handling resulted in a 100% resolution rate within 15 days, with 1.93 million calls received through customer service channels [13][12]. Group 2: Financial Education and Outreach - The bank implemented a "Consumer Protection+" theme education campaign, integrating financial education into various community activities, including partnerships with local organizations [4][12]. - Bohai Bank developed engaging educational content, such as animated videos and social media materials, to enhance consumer understanding of financial risks [4][12]. - The bank's outreach included targeted programs for vulnerable groups, such as the elderly and youth, to educate them on financial safety and fraud prevention [12][4]. Group 3: Process and Compliance Management - Bohai Bank adopted a "Three Appropriateness" principle to ensure that financial products are suitable for the right customers through comprehensive risk management [17][18]. - The bank established a robust consumer protection review system, ensuring that all products undergo thorough scrutiny before launch, achieving a 100% coverage rate for consumer protection reviews [17][18]. - Various branches implemented localized strategies to enhance compliance and consumer protection, such as pre-sale product screening and tailored services based on customer profiles [18][17].

Management Changes - On February 3, 2026, Bohai Bank announced that Ms. Ling Yingjie was elected as the employee director of the sixth board of directors, effective upon regulatory approval of her qualifications [2] Regulatory Situation - In February 2026, Bohai Bank's Wuhan branch was fined 1.75 million yuan by the Hubei Regulatory Bureau of the National Financial Supervision Administration for inadequate pre-loan investigations and post-loan management of working capital loans, as well as imprudent practices in financing leasing and factoring [3] Performance and Operating Conditions - For the third quarter of 2025, Bohai Bank reported operating income of 19.326 billion yuan and net profit of 4.988 billion yuan. However, the asset quality remains a challenge, with a non-performing loan ratio of 1.81% as of June 30, 2025, which is relatively high among joint-stock banks. To optimize its asset structure, the bank announced in October 2025 plans to transfer a batch of debt assets totaling approximately 69.833 billion yuan through public listing [4] Business Development - In 2025, Bohai Bank ranked among the top ten in the underwriting scale and number of private enterprise bonds in the interbank market, securing the second position among joint-stock banks. The total amount of accepted bills exceeded 400 billion yuan for the entire year, with green bill discounting exceeding 10 billion yuan, representing a year-on-year growth of 34% [5] - In January 2026, Bohai Bank received investment-grade credit ratings of "Baa3" from Moody's and "BBB-" from S&P, both with a stable outlook [5] Funding Movements - In December 2025, Bohai Bank successfully issued financial bonds totaling 3.5 billion yuan to optimize its liability maturity structure [6]

Core Viewpoint - The article introduces the "Private Enterprise Financial Service Express" initiative by the municipal Federation of Industry and Commerce, aimed at enhancing financial services for private enterprises and providing efficient connections between banks and small to medium-sized enterprises (SMEs) [1] Group 1: Bohai Bank Financial Products - Bohai Bank offers various financial products tailored for SMEs, including the "Huiqi E-loan" specifically designed for small and micro enterprises in Jining [2][3] - The loan application process is streamlined with online scanning and offline disbursement [4] Group 2: Huiqi E-loan Details - Target borrowers are small and micro enterprises registered in Jining, with specific eligibility criteria including a minimum sales revenue of 2 million yuan and tax obligations of at least 3,000 yuan in the past year [5] - The maximum loan amount is 5 million yuan, with a repayment period of up to 12 months [8][9] - Interest rates are based on the Loan Prime Rate (LPR) [10] Group 3: Personal Production and Operation Loan - This product is aimed at legal representatives or shareholders of limited liability companies controlled by natural persons, offering flexible funding options [11][12] - The maximum loan amount for this product is 10 million yuan, also with a maximum term of 12 months [17][18] - The application process involves submitting business-related documents at the branch, followed by a verification process [19] Group 4: Small and Micro Enterprise Guarantee Loan - This loan type is also targeted at small and micro enterprises in Jining, featuring an online application process and offline disbursement [20][21][22] - Similar eligibility criteria apply, including registration and operational location requirements, and the maximum loan amount is 10 million yuan [25] - The loan term is up to 12 months, with interest rates aligned with the LPR [26][27]

Group 1 - The core point of the article is that Bohai Bank's Wuhan branch has been fined for inadequate pre-loan investigation and post-loan management of working capital loans, as well as for imprudent practices in financing leasing and factoring business [1] - The total fine imposed on Bohai Bank's Wuhan branch amounts to 1.75 million yuan [1] - Regulatory authorities have issued warnings and fines to responsible individuals, including a 100,000 yuan fine for Liu Tianlun, and warnings for Liu Wenyiao, Zhang Bei, and Zhang Wentao [1]

Core Insights - Bohai Bank ranks among the top ten in terms of bond underwriting scale and number of underwritings for private enterprises in the interbank market, holding the second position among joint-stock banks in this category [1] Group 1: Bond Underwriting Performance - In 2025, Bohai Bank provided bond financing services for over 50 private enterprises, completing nearly 100 transactions across key sectors such as agriculture, electronic information, healthcare, high-end manufacturing, and equity investment, raising over 30 billion yuan [1] - The bank has successfully underwritten the first batch of technology innovation bonds for private tech companies like Geely Holding and Yingliu Electromechanical, as well as for private equity investment institutions, guiding funds towards R&D and industrial upgrades in technology-driven private enterprises [1] Group 2: Focus on Green Transition - Bohai Bank emphasizes green transformation by underwriting multiple green asset-backed securities for BYD's financing leasing subsidiary, aiding the expansion of financing leasing scenarios in the new energy vehicle sector and promoting the construction of a green transportation system [1] - The bank also underwrote green technology innovation bonds for Zhongchuang Innovation Technology Group, with funds specifically allocated for lithium-ion battery manufacturing projects, contributing to the low-carbon development of the new energy industry chain [1] Group 3: Innovative Financial Tools - To address the varying credit qualifications of private enterprises, Bohai Bank has innovatively utilized financial tools to provide multi-dimensional credit enhancement support for bond financing [2] - An example includes the first batch of technology innovation bonds for private equity investment institutions, which achieved a credit rating upgrade to AAA through the introduction of the People's Bank of China's risk-sharing tool and guarantees from Zhongdai Credit Enhancement Investment Co., significantly lowering the financing costs for enterprises [2] - The bank is also exploring a "bonds + derivatives" comprehensive service model, creating credit risk mitigation tools (CRMW) to empower bond issuance for several private enterprises, effectively reducing their bond issuance costs and enhancing market acceptance [2]

Core Viewpoint - Bohai Bank has achieved significant recognition in the underwriting of private enterprise bonds, ranking among the top ten in both scale and number of underwritings, reflecting its commitment to supporting the private economy and implementing national financial policies [2][3][7] Group 1: Performance and Achievements - In 2025, Bohai Bank provided bond financing services to over 50 private enterprises, facilitating nearly 100 transactions and raising over 30 billion yuan, which supported various sectors including agriculture, electronics, healthcare, and high-end manufacturing [3][4] - The bank has received multiple industry awards in the bond underwriting sector, including the Wind Best Investment Bank awards, which validate its rapid progress and professional market position [3][7] Group 2: Innovation and Strategic Alignment - Bohai Bank focuses on aligning its services with national macro strategies, directing financial resources towards key areas such as technological innovation and green development [4][5] - The bank has successfully underwritten the first batch of technology innovation bonds for private tech companies, promoting R&D and industrial upgrades [4][5] Group 3: Service Model and Regional Focus - The bank has optimized its organizational structure to create a "headquarters-branch linkage" service system, tailoring services to meet the specific needs of private enterprises [6] - As a national commercial bank headquartered in Tianjin, Bohai Bank has played a crucial role in supporting local economic development, including underwriting the first private technology innovation bond in Tianjin [6][7] Group 4: Future Commitment - Bohai Bank is committed to continuing its support for private enterprises by enhancing bond financing efforts and innovating financial products and services to contribute to high-quality economic development [7]

呈交日期: 2026年2月5日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 09668 | 說明 | | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | | 法定/註冊股本 | | | 上月底結存 | | | 6,200,555,000 | RMB | | 1 | RMB | | 6,200,555,000 | | 增加 / 減少 (-) | | | 0 | | | | RMB | | 0 | | 本月底結存 | | | 6,200,555,000 | RMB | | 1 | RMB | | 6,200,555,000 | 股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2026年1月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 渤海銀行股份有限公司 | 2. 股份分 ...

Group 1 - The Tianjin Bohai Bank Women's Volleyball Team has achieved a record of 8 wins and 6 losses, accumulating 24 points and ranking 4th in the league after 14 rounds of the regular season [3] - The team has undergone significant changes this season, introducing foreign players Natalia from Brazil and Martinez from the Dominican Republic, while key players from the previous season are absent due to overseas commitments or injuries [3] - Despite the instability in the lineup and short preparation time, the team has demonstrated resilience and a strong fighting spirit, continuing to embody the "volleyball spirit" [3] Group 2 - In the regular season, Tianjin faced 7 opponents in a home-and-away double round format, achieving a mixed record against top teams, including a 1-1 record against Shanghai and Beijing, and a double victory over Fujian, Henan, and Liaoning [4] - The team had 4 matches that went to the full 5 sets, with a balanced outcome of 2 wins and 2 losses, and performed well in matches that ended in 4 sets, securing 5 wins and 1 loss [4] - A positive development for the team is the return of main attacker Wang Yizhu from injury, which is expected to enhance the team's strength and confidence as they head into the playoffs [4]

Group 1 - Bohai Bank announced that Ling Yingjie was elected as the employee director of the sixth board of directors during the employee representative meeting held on February 3, 2026 [1][3] - Ling Yingjie will serve from the date of regulatory approval of her qualifications until the term of the sixth board of directors expires [1][3] - Ling Yingjie, born in 1972, is a senior economist with a bachelor's degree and has held various positions in financial institutions, including senior manager at Bank of Communications and vice president at Beijing Oriental Garden Environment Co., Ltd. [1][3]