事件：物产中大发布 2024年年报。全年实现营业收入为 5995.2亿元，同比上升3.3%；归母净利润为 30.8 亿元，同比下降14.9%；扣非归母净利润为25.0亿元，同比下降17.5%；经营现金流净额为41.49 亿 元，同比增长928.3%。 智慧供应链集成服务主业竞争优势不断稳固。2024年，智慧供应链集成服务实现营业收入5537.70 亿 元，占公司营业收入92.37%；利润总额34.98 亿元，贡献占比53.92%。其中，金属、能源、化工、汽车 服务等核心业务营业规模均位列全国前列。主要品种的经营数据如下：钢材销售7459.46 万吨，矿石销 售4176.80 万吨，煤炭销售5,958.37 万吨，化工销售1639.96 万吨，农产品销售370.61 万吨，油品销售 428.73 万吨，元通汽车跻身2024 年中国汽车经销商集团百强第七名。 现金分红比率持续提高。每股派发现金红利0.21 元(含税)，现金分红和股份回购金额共计11.97 亿元， 占归母净利润比例为38.89%。2015 年整体上市以来合计现金分红99.90 亿元，较好实现了以提高上市公 司内在价值为核心、高质量发展回报投资者的理 ...

资料图。 在宏观经济复苏承压、净息差持续收窄的背景下， 2024 年民营银行呈现 "冰火两重天"格局：头部 互联网银行凭借科技能力与客群优势逆势增长，持续领跑 ， 而中尾部中小银行则面临盈利收缩与 资产质量的双重考验。 " 头雁 " 领飞小微赛道 4 月 30 日披露 2024 年报的 微众银行年报显示 ， 2024 年 微众 总资产规模达 6517 亿元，营业收 入 381.28 亿元，净利润 109.03 亿元 。 网商银行数据显示 ，截至 2024年末，网商银行资产总额为4710.35亿元，较年初增长4.2%；营业 收入213.14亿元，同比增长13.7%， 净利润 31.66亿元。 除微众、网商资产规模超过 4500亿 元 之外，其他 民营银行资产规模 均低于 1500亿 元 。 | | | 2024年民营银行营收排行 | | | | --- | --- | --- | --- | --- | | 梯队 | 民营银行 | 资产总额(亿元) | 营业收入 (亿元) | 净利润(亿元) | | 第一梯队 | 微众银行 | 6517.76 | 381.28 | 109.03 | | | 网商银行 | 471 ...

Core Insights - The company reported a stable performance in 2024, with total assets reaching 471.035 billion yuan, a 4.2% increase from the beginning of the year, and operating income of 21.314 billion yuan, reflecting a year-on-year growth of 13.7% [1] - Net profit for the year was 3.166 billion yuan, and the company has provided comprehensive financial services to over 68 million small and micro enterprises, with asset management scale surpassing 1 trillion yuan [1] Group 1 - The company has launched the "Cuckoo" intelligent inclusive wealth management system to meet the demand for small micro liquidity management, utilizing AI models to predict cash flow and risk preferences [1] - The "Cuckoo" system has served over 8 million users, improving fund utilization efficiency by 10% for small micro business owners [1] - The company ranks second in the industry for the scale of third-party bank wealth management products sold, with over 3.43 million users on the "Stable Profit" platform [1] Group 2 - The company has introduced the "E-commerce Pass" to provide comprehensive financial services for e-commerce merchants, with one in three e-commerce businesses currently using it [2] - The upgraded "Chain Pass" service has supported 34,000 chain brands and 1.78 million individual franchisees in the restaurant and convenience store sectors [2] - The company’s asset management scale has surpassed 1 trillion yuan, indicating initial success in its transformation towards comprehensive financial services [2] Group 3 - The company has maintained a 30-day loan non-performing rate of 2.30%, consistent with the previous year, while the 60-day rate is reported at 2.00%, indicating manageable overall risk [2] - Despite a slight decrease in net profit, the company continues to enhance its provision coverage ratio and increase support for small micro enterprises [2]

Core Viewpoint - The Bank of China Shanghai Branch is actively integrating financial services with the coffee industry, launching various initiatives to support new employment groups and enhance the coffee culture in Shanghai [1][2]. Group 1: Initiatives and Collaborations - The Bank of China Shanghai Branch has partnered with Ele.me to launch a coffee charity initiative, where every coffee order on May 15 will result in a coffee being gifted to delivery riders, acknowledging their hard work [1]. - The bank has introduced the "Magic Coffee Credit Card" to provide rich discounts for coffee enthusiasts and has customized "Magic Coffee Loan" services for small and micro coffee enterprises, offering a total of 380 million yuan in credit support to 195 businesses [1]. Group 2: Digital and Community Engagement - The bank has launched a WeChat payment promotion in collaboration with multiple coffee shops, featuring activities such as digital RMB purchases and prize draws, attracting significant public participation across various districts [2]. - The establishment of the "Hongqiao International Coffee Port" internet platform aims to provide a one-stop online service for the coffee industry, integrating financial services and utilizing blockchain technology to enhance cross-border financial services [2]. Group 3: Future Directions - The Bank of China Shanghai Branch plans to continue exploring new pathways for integrating financial services with the coffee industry, aiming to inject vitality into coffee culture and create better experiences for citizens [2].

Group 1: Core Insights - The commitment from a state-owned bank in Shenzhen to not withdraw or reduce loans to private enterprises highlights the financial sector's support for foreign trade companies amid external challenges [1] - Shenzhen's foreign trade enterprises have seen a total import and export value of 990.1 billion yuan in Q1 2023, reflecting a year-on-year growth of 2.8% [1] - The implementation of the "Big Coverage" export credit insurance aims to provide comprehensive support to small and medium-sized foreign trade enterprises in Shenzhen [8] Group 2: Financial Support Measures - As of March 2025, loans to foreign trade enterprises in Shenzhen reached 1.1 trillion yuan, with a focus on enhancing financial support for these businesses [1] - Banks are conducting risk assessments and "stress tests" on foreign trade enterprises to evaluate their exposure to potential impacts from U.S. tariffs [2][3] - Various banks are introducing differentiated financial products and services to meet the specific needs of foreign trade enterprises, including "Cross-border E-loan" and "Export E-loan" [5][6] Group 3: Insurance Support - The "Cross-border E-commerce Insurance" initiative has been launched to help e-commerce businesses mitigate risks associated with global trade uncertainties [9][10] - Export credit insurance is being optimized to increase coverage limits for small and micro foreign trade enterprises, enhancing their risk protection [10] - Insurance institutions are prioritizing claims processing for cases related to U.S. tariffs to expedite support for affected enterprises [10]

天然橡胶"稳产行动"项目各参与人员于会场合照 广东农垦为各期货公司颁发锦旗 展望未来，华泰期货将持续总结项目经验，深化与交易所、龙头企业的三方协作机制，联同子公司华泰长城资本管理有限公司，不断运用金融创新手段、充 分发挥金融机构专业、资源、信息等方面的优势，落实国家乡村振兴战略，研发出更贴合产业周期和经营模式的风险管理工具，为企业提供更加优质的衍生 品综合服务，"胶林稳产出、胶农稳收入、胶企稳经营"。 2025年4月23日，2024年度上海期货交易所广东农垦天然橡胶"稳产行动"项目总结会在茂名农垦集团胜利农场成功召开，上海期货交易所（以下简称"上期 所"）党委委员、副总经理陆丰，广东省农垦集团公司（以下简称"广东农垦"）党委委员、董事、副总经理蔡亦农，广东省广垦橡胶集团有限公司（以下简 称"广垦集团"）党委书记、董事长杨福云，华泰期货有限公司（以下简称"华泰期货"）总经理助理贾中萍等人出席会议。 会上，上期所肯定了广垦集团覆盖的天然橡胶"稳产行动"项目成果，其整体兑付率111%显著高于项目整体的平均兑付率，为天然橡胶胶农增收起到了积极 作用；广东农垦也表示，本项目既助力了广东天然橡胶的产业发展，也让胶农获得了 ...

银行网点是金融服务的重要窗口，在增强客户信任、保障金融安全、提供个性化服务等方面发挥着不可 替代的作用。近年来，农业银行北京分行聚焦网点服务的重点领域和重要环节，优化业务流程，提升服 务品质，积极参与总行服务标杆网点和服务明星评选活动，全面提升员工服务意识和网点服务水平。 在评选中，农行北京万寿路铁道支行、分行营业部分别获得中国农业银行2023年和2024年"农情服务标 杆网点"称号；农行北京海淀支行郭雅丹、丰台支行吴爱君获评中国农业银行2023年"农情服务最美服务 明星"，农行北京城市副中心分行钟东良获评中国农业银行2024年"网点最美服务明星"。 农行北京分行个人金融部总经理谷丰屹表示，农行北京分行始终将服务质量提升作为该行积极践行金融 工作政治性、人民性的重要实践，围绕"客户至上 始终如一"的服务理念，把"做暖微笑服务、做优文明 服务、做精专业服务"内化于心、融入日常，为客户营造真诚、热情、亲切、舒适的服务环境，以专 业、精准、高效的服务满足客户多元化金融需求。 郭雅丹：守好客户"钱袋子"普惠千万家 银行网点不仅要为客户提供金融服务，在反诈工作中也扮演着至关重要的角色。农行北京分行非常注重 加强与社区、 ...

中信银行成都分行为沃飞长空提供金融支 持。图为沃飞长空全球总部基地开工活动现场。 □宇珩 （图片由中信银行股份有限公司成都分行提供） 此前，四川一家拥有10余项国家专利的省级专精特新中药材企业遇到难题：产品销量急剧增长导 致药材原材料采购费用大增，却因为缺乏抵质押物，四处筹措资金均遇到困难。 在深入了解企业情况后，中信银行股份有限公司成都分行（以下简称中信银行成都分行）客户经 理主动上门服务，详细介绍为专精特新企业定制的信贷产品——"科创e贷"，在一周内完成账户开 户和300万元贷款资金发放，解了该企业的燃眉之急。 助企脱困，只是中信银行成都分行践行金融强国使命的一个方面。奋力书写金融"五篇大文章"， 2024年中信银行成都分行存贷规模再创新高，自营存款余额突破1500亿元大关，达1507亿元，较 年初增长118亿元；各项贷款余额1772亿元，较年初增长74亿元。 不忘初心，砥砺前行。当前，中信银行成都分行正加力加劲，当好服务实体经济主力军。 高质量服务显担当 四川沃飞长空科技发展有限公司专注电动垂直起降飞行器的研发和制造，正在新建生产基地。不 久前，该公司有了开立工程款支付保函的需求，首笔保函金额达数百万元 ...

Group 1 - Recently, Pudong Development Bank Nanchang Branch was awarded the title of "2024 Excellent Bank for Cross-Border RMB Business," being one of only two joint-stock commercial banks in the province to receive this honor [1] - The bank's cross-border RMB settlement volume grew by 83.6% year-on-year, ranking first among joint-stock banks in terms of the proportion of cross-border RMB settlement to total foreign and domestic currency [1] - In the first quarter of 2025, the bank's cross-border business volume increased by 231% compared to the same period last year, ranking fourth among all branches, and successfully launched its first offshore USD loan business [1] Group 2 - The bank has successfully executed its first offshore 1+N revolving loan, marking a breakthrough in providing diverse cross-border product services to enterprises in Jiangxi [2] - Leveraging its offshore license, the bank has established a comprehensive cross-border financial service system to meet the overseas settlement, cross-border fund management, and overseas financing needs of Jiangxi enterprises [2] - The bank provided a comprehensive foreign exchange risk management solution alongside the offshore loan, receiving high recognition from the client [2] Group 3 - The Nanchang Branch recently facilitated the first cross-border financing convenience business for a "specialized, refined, distinctive, and innovative" enterprise in Jiangxi, marking a significant milestone in supporting tech innovation [3] - The enterprise, engaged in electric motor manufacturing, required diverse financing channels for production expansion, and the bank promptly matched its financing needs with a combination of foreign debt facilitation, offshore direct lending, and currency swaps [3] - This type of financing solution features low net asset thresholds and quick processing within limits, effectively meeting the enterprise's needs for rapid financing, cost reduction, and exchange rate risk mitigation [3]

Core Viewpoint - Anhui Xingtai Guarantee has been recognized for its innovative financial products that effectively address the financing challenges faced by technology-based enterprises, showcasing a comprehensive financial service system that supports the growth of private enterprises [1][3]. Group 1: Inclusive Financing - Anhui Xingtai Guarantee has provided financing guarantees totaling 134 billion yuan for 39,000 small and micro enterprises and agricultural entities, with an average guarantee fee rate reduced from 1% to 0.65% [3]. - The company has saved clients 200 million yuan in financing costs over the past three years, demonstrating its commitment to enabling businesses to achieve more with less [3]. Group 2: Technology Financing - Since its establishment, Anhui Xingtai Guarantee has supported 6,536 technology enterprises with 26.7 billion yuan in guarantees, helping over 20 companies go public [4]. - The company has introduced various specialized products targeting key industries, with a total investment of 3.3 billion yuan to address the financing difficulties of technology enterprises [4][5]. Group 3: Debt Guarantee - Anhui Xingtai Guarantee has supported the issuance of technology bonds and medium-term notes, with a credit scale exceeding 6 billion yuan, enhancing the fundraising capabilities of various funds [6]. - The company has achieved a credit rating of AAA, with a bond guarantee scale exceeding 34 billion yuan over three years [6][7]. Group 4: Guarantee Services - The company has developed an electronic guarantee platform, transitioning from paper guarantees to fully online services, facilitating 61.3 billion yuan in performance guarantees for major infrastructure projects [8]. - The electronic bidding guarantee has expanded its reach across multiple provinces, totaling 36.9 billion yuan in business, enhancing cash flow for enterprises [8]. Group 5: Commitment to Private Economy - Anhui Xingtai Guarantee aims to deepen its service to the private economy by focusing on the entire lifecycle needs of small and micro enterprises, promoting high-quality development in the sector [9].