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].

投资者关系活动类 别 特定对象调研 □分析师会议 □媒体采访 业绩说明会 □新闻发布会 □路演活动 □现场参观 □其他： 参与单位名称及人 员姓名 投资者网上提问 时间 2025 年 4 月 29 日下午 地点 通过"价值在线"（www.ir-online.cn）采用网络远程的方式召开业绩说 明会 上市公司接待人员 姓名 董事长王锡峰先生，执行董事、行长于丰星先生，董事会秘书朱光远先生， 独立董事王绍宏先生 投资者关系活动主 要内容介绍 1.公司股价为何如此低迷？和大股东巴龙集团情况不妙有关吗？今后 对于提振股价有什么措施？ 答：感谢您的提问。截至 2024 年 12 月 31 日，巴龙国际集团有限公司 及巴龙国际建设集团有限公司合计持有我行股份不足 5%，且不再派出董 事、监事，已不再是我行主要股东。商业银行二级市场股价受宏观经济、 行业特征、政策以及市场情绪等多种因素影响。本行将持续聚焦主责主业， 提升经营管理业绩，强化风险及内控管理，重视股东回报，做好信息披露， 加强投资者关系管理，推动经营水平和发展质量提升，积极有效地向市场 传递公司价值。 2.公司要求承担 2000 多人的退休工资，这是什么原因形成 ...

Group 1 - The core event is the establishment of strategic partnerships between Pinggu District and three banks, with a total credit of 10 billion yuan allocated to support agricultural high-tech, logistics, and leisure industries [1] - The "1+4" policy framework aims to create a comprehensive financial service network covering industrial chain upgrades, logistics hub construction, live e-commerce cultivation, and the integration of agriculture, culture, and tourism [1][2] - The event promotes new financial service models tailored to the characteristics of the capital and Pinggu, focusing on innovation in rural revitalization [1] Group 2 - The four special plans emphasize the integration of industrial chains, optimization of supply chains, digital breakthroughs, and scenario-based fusion [2] - Pinggu District will explore a "chain leader + fund empowerment" model to support 15 industrial chains, enhancing government financing guarantees and risk-sharing mechanisms [2] - A five-in-one supply chain financial service system will be established, including financial institutions, financing service providers, logistics service providers, digital warehouse receipt registration platforms, and government supply platforms [2] Group 3 - Pinggu District will provide multi-level, full-cycle financial support services through five models, including "four-in-one" industry-finance collaboration and "one industry, one policy" specialized credit [3]

Group 1 - The core initiative is to establish a financial service innovation demonstration zone for rural revitalization in Pinggu District, with an action plan for 2025-2027 [1][2] - By 2027, the agricultural loan scale in Pinggu is expected to reach 10 billion yuan, with a goal to cultivate at least two agricultural listed companies [2][3] - Strategic partnerships have been formed with three banks, each providing credit of 10 billion yuan focused on high-tech agriculture, logistics, and leisure industries [2][3] Group 2 - Financial support will be directed towards the high-quality development of supply chains, logistics, live e-commerce, and the integration of agriculture and culture [3] - Pinggu will implement a comprehensive supply chain financial service system, integrating financial institutions, service providers, and government platforms [3] - A digital service platform for "culture and tourism + finance" will be established, introducing innovative financial products such as loans for homestay clusters and tourism consumption vouchers [4]

Core Insights - The article highlights the increasing role of financial services in supporting agricultural development in the Hebei province, particularly through innovative loan products tailored for farmers and agricultural enterprises [2][3][4]. Group 1: Agricultural Financing Innovations - The "Farm Loan" product has significantly boosted agricultural financing, with a reported growth rate of 499.1% in high-standard farmland loans in the first quarter [2]. - The "Grain Farmer e-Loan" addresses funding gaps for agricultural cooperatives, enabling timely procurement of essential supplies like fertilizers [3]. - The "Jiqun Loan" has provided tailored financial solutions for leading agricultural enterprises, with a total of 12.7 billion yuan in credit extended to over 400 agricultural enterprises [4]. Group 2: Impact on Agricultural Productivity - The financial support from Agricultural Bank of China has facilitated the construction of high-standard farmland, with a government investment of 60 million yuan for a project covering 20,000 acres [2]. - The proactive approach of the Agricultural Bank's financial service teams has ensured that farmers receive necessary funding without delays, thus enhancing agricultural productivity [3]. - The collaboration between financial institutions and agricultural enterprises is fostering a sustainable agricultural ecosystem, contributing to food security and economic growth in the region [5].

Core Viewpoint - The company achieved significant growth in revenue and net profit in Q1 2025, driven by a recovery in the domestic capital market and effective marketing strategies [1][2]. Financial Performance - Total revenue in Q1 2025 increased by 85% year-on-year to 542 million yuan, while net profit attributable to shareholders surged by 726% to 139 million yuan [1]. - The company's financial information service revenue grew by 76% year-on-year to 424 million yuan, primarily due to concentrated marketing of high-end products [2]. - The net income from brokerage and proprietary trading activities rose significantly, with net commission income increasing by 143% to 97 million yuan and investment income soaring by 259% to 106 million yuan [2]. Cost Structure - Operating costs rose by 45% year-on-year to 42 million yuan, driven by increases in employee compensation and communication expenses [3]. - Research and development expenses increased by 49% to 51 million yuan, with the R&D expense ratio decreasing by 2 percentage points to 9% [3]. - Sales expenses grew by 80% to 260 million yuan, while the sales expense ratio decreased by 1 percentage point to 48% [3]. Strategic Developments - The company is transitioning from a software provider to a comprehensive financial services provider, exploring intelligent stock selection tools and enhancing its investment strategy recommendations [3]. - The "one body, two wings" strategy has been deepened with the acquisition of a 95% stake in Pioneer Fund [3]. - The company’s major shareholder provided loans to support business expansion and enhance liquidity, with commitments to increase returns through dividends and buybacks over the next three years [3]. Profit Forecast and Investment Rating - Based on Q1 2025 performance, profit forecasts for 2025-2027 have been revised upward, with expected net profits of 306 million, 414 million, and 539 million yuan respectively [4]. - The company’s rating has been upgraded to "Buy," reflecting confidence in its long-term growth potential [4].

Group 1: Core Principles of Financial Work - The principle of "seeking progress while maintaining stability" is essential for addressing complex situations and achieving strategic goals in financial work [2][3] - Financial work must balance stability and progress, focusing on maintaining stability in key areas while promoting necessary reforms to drive high-quality financial development [2][3] Group 2: Regulatory and Market Dynamics - Effective regulation and market vitality must be balanced to promote high-quality financial development, requiring precise strategies that ensure financial safety while maintaining market dynamism [4][5] - Current discrepancies between regulatory requirements and market demands can lead to financial instability and hinder innovation, necessitating a coordinated approach to achieve effective regulation and a thriving market [5] Group 3: Financial Services to the Real Economy - Strengthening financial services to the real economy is crucial, as finance is the lifeblood of the economy, and enhancing service efficiency is a priority [7][8] - Financial resources should be directed towards emerging industries, infrastructure, and major technological innovations to support sustainable economic growth [8][9] Group 4: Financial Openness and Security - Financial openness must be pursued alongside security, ensuring that risks associated with external shocks and cross-border capital flows are effectively managed [10][11] - Enhancing financial management capabilities and risk prevention measures is vital for achieving a balance between high-level financial openness and security [11][12] Group 5: Educational and Research Initiatives - Educational institutions like Tsinghua University's Wudaokou School of Finance play a significant role in aligning financial education with national strategic needs, fostering high-quality financial talent to support financial reform and development [13]

4月23日，中国人民银行在新闻发布会上介绍了《上海国际金融中心进一步提升跨境金融服务便利化行 动方案》的相关情况。副行长陆磊指出，借由《行动方案》的发布，央行将不断充实和完善跨境金融服 务政策工具箱，以构建一个更加贴合外向型经济需求的金融体系。此举旨在进一步增强上海国际金融中 心的竞争力与影响力。 【金融监管总局完善银行业高管任职资格管理】 金融监管总局发布《银行业金融机构董事（理事）和高级管理人员任职资格管理办法》，将于2025年6 月1日实施。该办法详细规定了任职资格条件、核准程序、金融机构的责任、监管机构的监管职责及法 律责任等内容，并明确了取消相关责任人任职资格的具体情形。 【澳门推出《2025年中小企业银行贷款利息补贴计划》】 澳门特区政府推出了《2025年中小企业银行贷款利息补贴计划》，旨在提高中小企业的资金流动性并减 轻其资金压力。符合条件的企业可在指定期间内向澳门持牌银行申请用于企业运营的资金贷款，并享受 贷款利息补贴。该计划规定了贷款金额上限、补贴期限及年补贴率上限等具体条款。 【央行等部门：支持在沪银行通过供应链金融更好服务长三角等地区"走出去"企业】 【央行宣布将持续优化跨境金融服务政策 ...

党的二十届三中全会提出，高质量发展是全面建设社会主义现代化国家的首要任务。作为北京市管金融企业，华夏银行始终坚持植根首都、服务首都，积 极贯彻落实北京市委市政府"推动首都高质量发展"工作部署，争做"首都金融排头兵"，始终将服务首都经济社会高质量发展作为使命担当。 首都国企作为推动北京经济发展的 " 主力军 " ，是激发市场活力的关键力量。 华夏银行本次活动旨在推动与首都国企合作向纵深发展，共同打造 " 政银 企 投 " 合作新模式。 此次大会邀请了涵盖城市基建、民生保障、先进制造等 多个关键 领域的重点企业代表，通过项目对接、产业协同、数字赋能等多元 合作、协同发展的创新模式，建立起 "产融结合、优势互补、合作共赢" 的发展合作机制， 标志着华夏银行与首都国企的合作向更深层次、更广维度迈进 。 以至臻方案，启服务新篇 4 月 2 8 日， " 华夏银行服务首都国企高质量发展大会 " 隆重召开，北京 市国资委 领导 、 16 家首都国企 主要 负责人及媒体代表齐聚一堂， 共 商国企改革深化提升行动背景下产融协同新路径， 共同见证华夏银行与 首都国企开启合作新篇章。会上，华夏银行与 16 家首都国企签署战略合 作 ...