Group 1 - The nature of Weihai Bank is determined by its regulatory attributes and shareholder structure [1][8] - The bank is a local joint-stock commercial bank, non-state-owned, established in 1997, and listed in Hong Kong in 2020 [4] - Major shareholders include Shandong Highway Group with 38.12% and Weihai Finance Bureau with 12.67%, indicating a state-owned enterprise nature [4][8] Group 2 - Regulatory oversight is provided by the National Financial Supervision Administration, with local supervision by the People's Bank of China Jinan Branch [3] - The bank holds a full commercial banking license and has the qualification to conduct QFLP cross-border RMB business, being one of the first green finance pilot banks in Shandong Province [3] Group 3 - The bank's market positioning focuses on serving small and micro enterprises, with a secondary emphasis on rural revitalization [6] - Unique products include Blue Carbon Loans for offshore wind power and aquaculture enterprises, and a talent credit card with no annual fee for recipients of Weihai's talent program [6] Group 4 - The bank's non-performing loan ratio is 1.23%, lower than the average of 1.45% for city commercial banks [6] - Total assets amount to 538.7 billion, ranking above average among city commercial banks [6] - The capital adequacy ratio stands at 13.87%, meeting Basel III requirements [6] - The bank has 4.5 million mobile banking users, leading among city commercial banks in Shandong Province [6]
威海银行是什么性质的银行