首家股份行AIC高管团队成员已定，均为兴业银行"老将"。 近日，兴业银行旗下全资子公司兴银金融资产投资有限公司（简称"兴银投资"）在福州揭牌成立，注册 资本为100亿元，系第一家股份行系AIC，也是继工银投资、农银投资、中银资产、建信投资和交银投 资后第六家银行系AIC。 另外，除兴银投资董事长陈伟外及上述高管成员外，兴银投资还有五位主要成员，包括4名董事赵朝 清、赖富荣、郑榕斌、张水泉，以及财务负责人赵晶。其中，赖富荣现为兴业银行首席风险官，赵朝清 现为兴业银行总审计师。 另外，兴银投资总裁由兴业银行总行普惠金融部副总经理郑榕斌担任。郑榕斌近年的职业履历均集中在 兴业银行体系内，历任岗位覆盖多地分行及总行核心部门：如历任兴业银行南平分行党委委员、副行长 等，经过分行层面的历练后，郑榕斌调任兴业银行总行，担任普惠金融部/乡村振兴部副总经理。 兴银投资副总裁由兴业国信资管副总裁赵谷担任。赵谷也是一位兴业"老将"，从基层干起，其历任兴业 银行长沙分行信用审查部总经理、兴业银行长沙分行企业金融芙蓉路业务总部总裁、芙蓉中路支行行 长、兴业银行总行企业金融风险管理部风险监测处处长等。 值得注意的是，与陈伟类似，赵谷同样 ...

首家股份行AIC高管团队成员已定，均为兴业银行"老将"。 今年11月16日，兴业银行旗下全资子公司兴银金融资产投资有限公司（简称"兴银投资"）在福州揭牌成立，注册资本为100亿元，系第一家股份行系AIC， 也是继工银投资、农银投资、中银资产、建信投资和交银投资后第六家银行系AIC。 近日，21世纪经济报道记者了解到，目前兴银投资首届高管团队成员基本确定：兴银投资董事长由兴业银行厦门分行党委书记、行长陈伟担任。记者注意 到，在兴银投资揭牌仪式上，陈伟就以兴银投资董事长身份出席并公开致辞。 陈伟担任兴银投资董事长前，曾有丰富的投行业务经验。他曾担任兴业银行投资银行部总经理一职，他在任期间主导或参与了多项业内"首笔"金融业务落 地，如2020年兴业银行落地全国首单"ABCP+CRMW"，引入兴业银行信用为中小微企业融资提供信用保护，降低其融资成本。 另外，兴银投资总裁由兴业银行总行普惠金融部副总经理郑榕斌担任。郑榕斌近年的职业履历均集中在兴业银行体系内，历任岗位覆盖多地分行及总行核心 部门：如历任兴业银行南平分行党委委员、副行长等，经过分行层面的历练后，郑榕斌调任兴业银行总行，担任普惠金融部/乡村振兴部副总经理。 ...

银行系金融资产投资公司（AIC）版图再扩容。 11月23日，中信银行（601998.SH）、招商银行（600036.SH）同日公告，旗下的信银金投、招银投资分别获国家金融监管总局开业批复；此前11月初，兴业 银行（ 601166.SH）兴银投资已率先获批，并于11月16日揭牌。短短半月内，三家全国性股份制银行AIC集中落地，正式打破此前首批5家国有大行AIC独大 的格局。 AIC公司主要专注市场化债转股及股权投资。业内人士表示，银行成立AIC子公司，有利于发展投行业务，帮助改善银行的盈利能力。 据时代财经梳理，截至11月24日，国内获准设立的银行系AIC已达9家。其中包括2017年首批试点的工银投资、农银投资、中银资产、建信投资、交银投资5 家国有大行AIC，2025年10月刚获批筹建的邮储银行系中邮金融资产投资，9家银行AIC的注册资本合计达1485亿元。 中国邮政储蓄银行研究员娄飞鹏向时代财经表示，股份制银行AIC获批开业是新设AIC落地的关键一步，将有利于加大对科技企业的股权投资支持力 度。"AIC将有助于股份制银行专业化开展市场化债转股及股权投资试点业务，为企业提供全方位、多层次的融资支持，进一步提升 ...

首批三家全国性股份制银行AIC（金融资产投资公司）均已获准开业。 11月23日，中信银行发布公告称，于2025年11月21日收到《国家金融监督管理总局关于信银金融资产投 资有限公司开业的批复》，根据该批复，信银金融资产投资有限公司注册资本为100亿元人民币，注册 地为广东省广州市。后续信银金融资产投资有限公司将依照有关规定办理开业手续。 同日，招商银行（H股）也发布《关于招银金融资产投资有限公司获准开业的公告》。该行于11月21日 收到监管批复，其全资筹建的招银金融资产投资有限公司获准开业。根据公告，招银金融投资注册地为 深圳市，注册资本高达150亿元。 11月16日，兴银金融资产投资有限公司在福州正式揭牌成立，成为全国首家由股份制银行发起设立的金 融资产投资公司（AIC）。该公司注册资本100亿元，将主要依托专业化、市场化的债转股及相关业 务，支持科创企业与民营企业优化资本结构、降低杠杆率。 来 源：视觉中国 责任编辑：秦艺 截至目前，国有大行中5家均已成立金融资产投资公司（AIC），分别为工银投资、农银投资、中银资 产、建信投资和交银投资。 10月27日，邮储银行披露，该行收到《国家金融监督管理总局关于筹 ...

Core Insights - The establishment of Xingyin Financial Asset Investment Co., Ltd. marks the first financial asset investment company (AIC) initiated by a joint-stock bank in China, breaking the monopoly of the five major state-owned banks in this sector since 2017 [1][3] - The company has a registered capital of 10 billion yuan and aims to support technology innovation and the development of private enterprises by optimizing capital structures and reducing leverage [1][3] Regulatory Background - The significant expansion of regulatory policies in March 2023 allowed qualified commercial banks to establish AICs, promoting financial resources towards the technology innovation sector [3] - Following the approval of Xingyin's establishment, other banks such as CITIC Bank and China Merchants Bank were also granted permission to set up AICs, indicating a growing trend in the banking sector [3] Industry Impact - AICs are viewed as "patient capital," providing long-term support to technology enterprises and helping to lower financing costs while diversifying investment risks [4] - The growth of AICs is expected to provide stable and robust financial support for high-quality economic development and industrial upgrades in China [4]

Core Viewpoint - The establishment of Xingyin Financial Asset Investment Co., Ltd. marks a significant expansion in China's banking sector AIC market, breaking the previous monopoly held by the five major state-owned banks and providing new momentum for financial support to technology innovation and private enterprises [2][4]. Group 1: Company Establishment - Xingyin Financial Asset Investment Co., Ltd. was officially established in Fuzhou on November 16, with a registered capital of 10 billion yuan, focusing on market-oriented debt-to-equity swaps and related businesses to support the optimization of capital structures for tech and private enterprises [1][5]. - This company is the first financial asset investment company initiated by a joint-stock bank, following the regulatory expansion allowing commercial banks to establish AICs [4][5]. Group 2: Regulatory Background - The establishment of Xingyin Investment is a result of the National Financial Regulatory Administration's notification in March, which supports qualified commercial banks in setting up AICs to channel financial resources towards technology innovation [4][5]. - The regulatory framework was expanded to include 18 pilot cities, allowing more commercial banks to participate in the AIC market, which previously consisted solely of state-owned banks [4][5]. Group 3: Industry Impact - The entry of Xingyin Investment is expected to enhance the financial support for technology innovation and private enterprises, contributing to the high-quality development of the real economy [7][8]. - As more banks are approved to establish AICs, the collective "patient capital" from the banking sector will help reduce financing costs for tech enterprises and diversify investment risks, providing stable financial support for economic development and industrial upgrades [8].

Core Insights - The AIC market is experiencing significant changes with the entry of new players, particularly the approval of the first joint-stock bank AIC, Xingyin Investment, which marks a shift from state-owned banks dominating the market to a more diversified competitive landscape [1][3][5] Group 1: Market Developments - Xingyin Investment, a wholly-owned subsidiary of Industrial Bank, received regulatory approval to commence operations, with a registered capital of RMB 10 billion [3] - The establishment of Xingyin Investment is seen as a critical step in supporting the national strategy and empowering the real economy, particularly in aiding tech and private enterprises [3][5] - The AIC market is expanding rapidly, with several banks, including CITIC Bank and China Merchants Bank, also receiving approvals to establish their AICs, indicating a trend towards increased participation from joint-stock banks [5][6] Group 2: Investment Trends - The investment landscape within the AIC sector is becoming increasingly active, with various funds being established, such as the Jiangsu Social Security Sci-Tech Fund, which has a first-phase scale of RMB 50 billion [7] - Another notable fund, the Shenzhen Jianyuan Zhengxing Equity Investment Fund, aims to become the largest AIC fund in the country, with an overall scale projected to reach RMB 20 billion [8] - Major state-owned banks have reported significant progress in their AIC investments, with Industrial Bank establishing 28 AIC equity investment funds and Agricultural Bank serving nearly 300,000 tech enterprises [9] Group 3: Future Outlook - Analysts predict that the AIC sector will see a doubling in the number of institutions, with a competitive landscape emerging where state-owned banks leverage scale and policy resources, while joint-stock banks focus on flexibility and industry specialization [6] - The collaboration between government-guided funds and social capital is becoming more pronounced, facilitating long-term capital inflow into the tech innovation sector [10] - The active participation of AICs reflects a consensus on the need for innovation-driven development, emphasizing resource optimization and long-term investment strategies [10]

Group 1 - The core point of the article is the approval and establishment of the first financial asset investment company (AIC) under a joint-stock bank in China, specifically the Xinyi Financial Asset Investment Co., Ltd. [2][3] - Xinyi Investment has a registered capital of 10 billion RMB and is located in Fuzhou, Fujian Province [3]. - The establishment of Xinyi Investment marks a significant step for the company in supporting national strategies and empowering the real economy, focusing on debt-to-equity swaps and related businesses to support technology and private enterprises [3]. Group 2 - The approval of Xinyi Investment is part of a broader trend where other joint-stock banks, such as CITIC Bank and China Merchants Bank, are also establishing their AICs, with registered capitals of 10 billion RMB and 15 billion RMB respectively [3]. - The Postal Savings Bank, previously absent in the AIC sector, has also announced plans to establish its own AIC with a registered capital of 10 billion RMB, completing the lineup of the six major state-owned banks in this area [4]. - Currently, there are five operational AICs in China, all initiated by major state-owned banks in 2017, with varying performance results reported in their recent half-year reports [5]. Group 3 - The performance of existing AICs has shown significant disparity, with Agricultural Bank's investment arm reporting a net profit of 1.936 billion RMB, a year-on-year increase of 54.88%, while others like China Construction Bank's investment arm saw declines in net profit by 43.34% [5]. - Compliance issues have arisen, with some AICs facing penalties for business violations, highlighting the challenges of maintaining compliance and profitability in a competitive environment [6].

Core Viewpoint - The establishment of Xingyin Investment marks a significant step for Industrial Bank in supporting national strategies and empowering the real economy through specialized financial asset investment services [1][3]. Group 1: Company Developments - Xingyin Investment, a wholly-owned subsidiary of Industrial Bank, has received approval from the National Financial Regulatory Administration to commence operations, with a registered capital of 10 billion yuan [2][3]. - The approval process for Xingyin Investment began in May, and it is the first joint-stock bank to establish a financial asset investment company (AIC) [1][2]. - The company aims to leverage its experience in private equity and venture capital to support technology and private enterprises, optimizing capital structures and reducing leverage [3]. Group 2: Industry Context - The AIC license expansion is accelerating, with several banks, including CITIC Bank and China Merchants Bank, also receiving approvals to establish AICs [4][6]. - The regulatory environment is evolving, with policies introduced in 2024 to expand AIC direct equity investment pilot programs across multiple cities, enhancing the role of AICs in supporting economic growth [5][6]. - AICs are expected to open new avenues for banks to engage in equity investments, particularly in high-potential sectors such as advanced manufacturing, biomedicine, and artificial intelligence [7]. Group 3: Strategic Implications - The expansion of AICs is seen as a crucial mechanism for banks to participate in technology finance and equity markets, potentially leading to innovative business models in venture capital and corporate restructuring [7]. - Analysts suggest that the ability to conduct long-term equity investments through AICs will help banks address the mismatch between risks and returns in financing technology enterprises, enhancing support for these sectors [7].

Core Viewpoint - The establishment of Xingyin Investment, a wholly-owned subsidiary of Industrial Bank, marks a significant step in the bank's efforts to support national strategies and empower the real economy through specialized and market-oriented debt-to-equity conversion and related businesses [6][5]. Group 1: Company Overview - Xingyin Investment has been approved to commence operations with a registered capital of 10 billion RMB, making it the first AIC initiated by a joint-stock bank [4][5]. - The approval from the National Financial Regulatory Administration was received on November 7, 2025, allowing Xingyin Investment to proceed with its opening procedures [5]. Group 2: Industry Context - Xingyin Investment is the sixth licensed AIC in the industry, following five state-owned banks, indicating a shift towards greater participation from joint-stock banks in the AIC sector [4][8]. - The AIC market has seen significant changes in 2025, with the National Financial Regulatory Administration expanding the pilot scope for AICs, allowing more commercial banks to engage in market-oriented debt-to-equity conversion and equity investment [8][9]. - The entry of joint-stock banks and urban commercial banks into the AIC space is expected to foster differentiated investment strategies, enhancing the overall financial system's ability to embrace uncertainty [9].