稠州银行异地扩张，金子军有个杀手锏

Core Viewpoint - In 2025, Chouzhou Bank faced significant regulatory penalties due to compliance issues, reflecting challenges in its expansion strategy and risk management capabilities [1][13]. Group 1: Regulatory Issues - Chouzhou Bank's Nanjing branch was fined 2 million yuan in July 2025 for three violations [1][13]. - The Fuzhou branch was fined 4.15 million yuan in December 2025 for inadequate pre-loan investigations and post-loan management, as well as for improperly issuing working capital loans for fixed asset investments [1][13]. - The penalties indicate a need for improved compliance and risk management as the bank expands into new regions [1][13]. Group 2: Expansion and Loan Distribution - Since 2006, Chouzhou Bank has expanded its operations across nine provinces, establishing a network of 14 branches and 211 sub-branches by the end of 2024 [3][15]. - As of the end of 2024, nearly 40% of the bank's loan amounts were still concentrated in the Jinhua area, with loans amounting to 82.64 billion yuan, an increase of 8.56% year-on-year [4][15]. - The Fuzhou branch, which oversees 11 institutions, had a loan amount of 8.31 billion yuan, representing 3.87% of total loans, up from 3.18% the previous year [4][15]. Group 3: Management Changes - In September 2025, the Fuzhou branch's leadership changed, with Jiang Jing appointed as the new branch manager, having previously served as the risk director [6][17]. - Jiang Jing has been with Chouzhou Bank since 2016 and was recognized as one of the youngest management personnel in the bank [6][17]. Group 4: Financial Performance and Risk Management - Chouzhou Bank has shown improvement in asset quality, with non-performing loan ratios decreasing from 1.36% in 2022 to 1.13% in 2024 [7][18]. - The bank's provision coverage ratios were 194.64%, 208.99%, and 173.92% for the years 2022 to 2024, indicating some fluctuations [8][19]. - The concentration of loans among the top ten clients increased from 37.7% in 2022 to 42.71% in 2024, highlighting a reliance on larger clients [20].