证券代码：002839 证券简称：张家港行 | | √特定对象调研 □分析师会议 □媒体采访 □业绩说明会 | | --- | --- | | 投资者关系活动 | | | 类别 | □新闻发布会 □路演活动 | | | □现场参观 | | | □其他 （请文字说明其他活动内容） | | 参与单位名称及 | 华泰证券贺雅婷、李润凌 | | | 中银基金 杨璨 | | 人员姓名 | 上海保银私募基金管理有限公司 沈泰宇 | | 时间 | 2025 年 6 月 5 日下午 15：30-16：30 | | 地点 | 上海 | | 上市公司接待人 | 董事会办公室相关工作人员 | | 员姓名 | 主要就张家港行近期相关经营情况进行了交流，以下为 | | | 投资者问询及简要回复情况记录： | | | Q：请贵行介绍一下目前的发展规划？ | | | A：我行作为一家区域性农商行，始终坚持"服务三农两 | | 投资者关系活动 | 小、服务实体经济、服务城乡居民"市场定位，构建"11183" | | 主要内容介绍 | 战略体系。即，秉持"1"大愿景—"中国农村金融先行者"， | | | 肩负"1"个使命—让普惠金融触手可及" ...

Group 1 - The event "Flow Data Sharing Credit Empowerment Development" was held in Guangzhou, focusing on financing development policies for small and micro enterprises in Guangdong [1] - Guangfa Bank has actively utilized the flow information platform, integrating it into their business processes to enhance data value and credit potential [1] - As of May this year, Guangfa Bank has queried enterprise flow information 14,700 times and disbursed over 10 billion yuan in credit, with 99% directed towards small and micro enterprises [1] Group 2 - A newly established management company in Zhanjiang received an 8.62 million yuan loan from Guangfa Bank, facilitated by the flow information platform, despite being a "credit white household" [2] - A pharmaceutical company in Heyuan secured 10 million yuan in credit support through the flow information platform, demonstrating the platform's effectiveness in assessing business health [2] - Guangfa Bank is committed to promoting inclusive finance and has developed a unique system to support small and micro enterprises comprehensively [2] Group 3 - Looking ahead, Guangfa Bank plans to deepen the application of the flow information platform, expand credit scenarios, and enhance service precision [3] - The bank aims to innovate financial products and services to better meet the diverse financial needs of enterprises [3] - Guangfa Bank intends to allocate more resources to provide targeted financial support to small and micro enterprises, helping them overcome financing challenges [3]

Group 1 - The meeting emphasized the need to accelerate the construction of world-class enterprises with excellent products, renowned brands, leading innovation, and modern governance [2][3] - It highlighted the importance of supporting and guiding leading enterprises and specialized innovative companies to deepen reforms and strengthen innovation capabilities [3] - The meeting called for a focus on enhancing the innovation system of state-owned enterprises, promoting the integration of innovation chains and industrial chains, and improving their ability to supply original technology [2][6] Group 2 - The meeting discussed the progress of inclusive finance since the implementation of the "Inclusive Finance Development Plan (2016-2020)", noting improvements in financial service coverage, accessibility, and satisfaction [4] - It stressed the need for structural reforms in financial supply to allocate more resources to key areas and weak links, particularly for small and micro enterprises [4] - The meeting also called for optimizing the financial institution system and enhancing the functions of insurance and capital markets to support sustainable financial development [4] Group 3 - The meeting underscored the importance of cultivating a large number of talented individuals in basic disciplines to meet national innovation and development needs [5] - It emphasized the need for a high-quality talent cultivation system that aligns with the frontiers of science and major national demands [5] - The meeting highlighted the role of state-owned enterprises in driving innovation and their contributions to economic and social development, especially during the COVID-19 pandemic [6]

三十载，砥砺前行、耕耘不辍。华夏银行南京分行积极践行金融工作的政治性、人民性，在总行引领下不断深化战略布 局，坚持"以人民为中心"价值取向，紧扣江苏发展主线，锚定"五篇大文章"向"新"求"质"，在10.72万平方公里的江苏大 地上深烙"华夏印记"。 三十载，励"金"图治、行棋谋远。华夏银行南京分行精工细绘"强富美高"新江苏画卷，目前拥有9家二级分行、63家营业 机构，系统内率先实现设区市机构全覆盖，总资产2200亿元、存款规模超1800亿元、贷款规模超2000亿元。 三十载，载誉江苏、"新"领未来。以自身高质量发展助力金融强国建设，在推进中国式现代化中彰显责任担当。华夏银 行南京分行先后获评"全国五一劳动奖状""全国精神文明建设先进单位""全国金融系统文明建设先进单位"，连续多年被 评为"江苏省文明单位"，荣膺南京市"助推引领性国家创新型城市建设有功单位"，连续两年获评南京市"绿色金融示范团 队"。 1995年6月6日，金陵沃土上，一朵"金融之花"悄然绽放。作为总行设立的首家外埠分行，华夏银行南 京分行应运而生，成为最早进入江苏的股份制商业银行之一。 培根铸魂 初心如磐 ——砥砺奋进"华夏新征程" "圆满实现 ...

虎嗅旗下二级市场投研服务品牌，为您提供精选上市公司价值拆解，热门赛道产业链梳理 以下文章来源于妙投APP ，作者董必政 妙投APP . 出品 | 妙投APP 作者 | 董必政 头图 | 信也官网 在金融科技行业看似平静的水面下，信也科技以2024年全年净利润23.88亿元、日赚超650万元的业 绩，悄然演绎着一场"暴利"神话。 这家成立于2007年的老牌互金平台，在经历P2P暴雷潮、监管收紧等行业动荡后，通过业务转型和 全球化布局，不仅实现了盈利的持续增长，更以18.28%的净利率远超制造业平均水平，成为资本市 场的"宠儿"。 然而，其高利润背后隐藏着怎样的商业逻辑？这种"暴利"模式是否可持续？ # 01 一、暴利数据的冰山一角 信也科技，来头不小，前身是P2P行业龙头企业拍拍贷。 2019年拍拍贷对外宣布正式升级为"信也科技集团"，并决定停止新增P2P业务。紧接着，在2020年9 月，拍拍贷彻底退出了存量网贷业务，就此彻底完成了从P2P网贷平台向助贷平台的转型。 所谓助贷平台，可以理解为贷款中介。 信也科技一手对接银行、金融消费公司等资金方，一手对接C端消费者、个体工商户等，但赚的服 务费可不止几个点。 在 ...

Core Insights - The financial regulatory bureau of Anyang has implemented a comprehensive approach to support the development of private enterprises and establish a high-quality inclusive financial system, achieving a loan balance of 100.25 billion yuan for private enterprises by the end of March, an increase of 7.89 billion yuan from the beginning of the year, with a growth rate of 8.54% [1] Group 1: Financial Support for Private Enterprises - The loan balance for private enterprises increased by 7.89 billion yuan, reaching 100.25 billion yuan, which is 2.39 percentage points higher than the overall loan growth rate [1] - The number of loan accounts for private enterprises rose to 198,300, an increase of 9,000 accounts since the beginning of the year [1] - The credit structure for private enterprises has improved, with increases in credit loans, medium to long-term loans, and non-repayment renewal loans of 4.63 billion yuan, 1.57 billion yuan, and 0.85 billion yuan respectively [1] Group 2: Technological and Green Finance Initiatives - The overall loan balance for technology-based enterprises exceeded 21 billion yuan, with an increase of 5.21 billion yuan, outpacing overall loan growth by 26.23 percentage points [2] - Green credit balance reached 24.14 billion yuan, growing by 1.25 billion yuan, with a growth rate of 5.46%, supporting ecological restoration and sustainable development [2] Group 3: Pension Finance Development - The cumulative amount of personal pension contributions reached 44 million yuan, an increase of 13 million yuan since the beginning of the year [3] - The number of effective personal pension accounts reached 330,000, with an increase of nearly 100,000 accounts, reflecting a growth rate of 42.63% [3] Group 4: Digital Finance Expansion - The online loan balance reached 51.44 billion yuan, increasing by 5.53 billion yuan, with a growth rate of 12.04% [4] - The electronic transaction replacement rate for most banking institutions exceeded 85%, promoting the integration of digital finance into economic development [4] Group 5: Inclusive Finance Growth - The loan balance for inclusive small and micro enterprises reached 51.91 billion yuan, with an increase of 5.55 billion yuan, reflecting a growth rate of 11.96% [4] - The average loan interest rate decreased to 3.91%, down by 0.5 percentage points since the beginning of the year, continuing a five-year trend of decline [4]

Group 1 - The company focuses on regional development and aims to enhance financial services to support high-quality economic growth in Taicang [1] - The bank has implemented a credit issuance mechanism driven by industry research, increasing financial support for manufacturing enterprises, with a manufacturing loan balance exceeding 8 billion yuan, a net increase of 400 million yuan since the beginning of the year [3] - The bank's loans to technology innovation enterprises reached nearly 3 billion yuan, with a growth rate exceeding 30%, covering 50% of the tech enterprises in Taicang [3] Group 2 - The bank is committed to green finance, optimizing resource allocation for green credit, and supporting projects like the green port construction and wastewater treatment, with a green loan balance surpassing 8 billion yuan, an increase of 1.27 billion yuan since the start of the year [3] - The bank has established a mechanism to enhance financial support for small and micro enterprises, with a balance of inclusive loans exceeding 6 billion yuan, benefiting nearly 800 small and micro enterprises [4] - The bank has designed tailored financial solutions for specific enterprises, such as a 10 million yuan bill discount for a specialized enterprise and a 3 million yuan loan for an asset-light sensor company [4] Group 3 - The bank is developing pension finance services, focusing on the needs of elderly clients, and has opened over 3,000 personal pension accounts [5] - The bank is enhancing digital finance capabilities, promoting a one-stop service platform, and has implemented a reverse invoicing service for resource recovery enterprises to reduce tax costs [5] - The bank aims to continue its commitment to practical efforts and regional development, leveraging financial power to shape a new landscape for high-quality growth [5]

2023年10月召开的中央金融工作会议提出，"严格中小金融机构准入标准和监管要求，立足当地开展特 色化经营"。为中小银行下一步发展指明了方向。对中小银行特别是农村中小银行而言，立足当地，发 展全方位成体系的普惠金融，是做好特色化经营的方向。 一、特色化经营是中小银行构建差异化竞争力的重要手段 中央金融工作会议要求中小金融机构立足当地开展特色化经营，本质上是引导中小银行通过特色化经营 加速培育差异化竞争能力，以差异化优势实现自身更高质量发展，更好服务当地经济社会发展。从管理 学角度来看，一家企业的发展必须依靠高水平的服务和风控质量、科学的成本管理以及稳健合理的盈利 表现，这是企业高质量发展的基础，但差异化竞争优势才是企业持续发展的核心能力，对能否成为基业 长青的百年老店起着至关重要的作用。对中小银行来讲，构筑差异化竞争优势必然是一个长期过程、长 远目标，需要稳扎稳打、久久为功。 中国幅员辽阔、禀赋各异，自中国第一家农村信用社成立至今，农信机构始终扎根基层、深入百姓，通 过做小做散、做深做实，满足不同地区、不同人群的基础金融服务需求，构建起了其他金融机构难以替 代的点多面广的服务优势。目前，全国农信系统营业网点覆 ...

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Key Points - The report highlights the ongoing recovery of the Chinese economy, with consumption and investment being the main drivers of growth, supported by recent monetary policy measures including interest rate cuts and liquidity injections [5][8][12] - The electronic consumption sector is leading the A-share market, indicating a positive trend in consumer spending and investment in high-tech manufacturing [5][8][12] - The report notes a significant increase in domestic photovoltaic installations, with April's new capacity reaching 45.22 GW, a year-on-year growth of 214.68%, driven by commercial and distributed solar projects [21][22] - The mechanical industry shows signs of recovery, with the first quarter of 2025 reporting a year-on-year revenue increase of 8.91% and a net profit growth of 17.21% [23][24] - The securities industry has seen a rebound in performance, with a 24.60% increase in revenue and an 83.48% increase in net profit in the first quarter of 2025 compared to the previous year [31][32] - The report emphasizes the importance of monitoring external factors such as U.S.-China trade relations and their impact on export-oriented sectors, particularly in electronics and machinery [10][19] - The new materials sector is expected to grow due to increasing demand from manufacturing and technological advancements, despite recent underperformance compared to the broader market [28][30]