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: Stock Performance and Shareholder Relations - The company's stock price is low due to various factors, including macroeconomic conditions and market sentiment. The major shareholder, Balong Group, now holds less than 5% of shares and is no longer a key stakeholder [2][3] - The company aims to enhance shareholder returns and improve stock performance through better management and communication of company value [2][3] Group 2: Financial Performance and Risk Management - In Q4 2024, the company reported impairment losses of 5.1 billion RMB, a significant increase year-on-year, attributed to growing loan volumes and proactive risk management [2][3] - The non-performing loan (NPL) ratio was 1.79% at the end of 2024, slightly down from the beginning of the year, indicating stable asset quality [3][13] - The company plans to strengthen risk management and enhance its ability to absorb risks in 2025 [3][11] Group 3: Loan Growth and Market Position - The company's loan growth rate was approximately 5.5%, lower than the 10% growth seen in other regional banks, reflecting a focus on supporting small and agricultural enterprises [2][3] - The growth rate for inclusive small and micro-enterprise loans reached 11.25%, outperforming overall loan growth by 7.28 percentage points [2][3] Group 4: Dividend Policy and Profit Distribution - The company plans to distribute a cash dividend of 1.20 RMB per 10 shares for 2024, which is higher than the previous year, but aims to restore the cash dividend payout ratio to 30% in the future [2][3] Group 5: Green Finance and Sustainable Development - The green loan portfolio grew by 3.1 billion RMB, with a focus on supporting energy-saving and environmentally friendly projects [9][10] - The company is committed to enhancing its green finance strategy, including developing innovative green financial products and ensuring compliance with environmental standards [9][10] Group 6: Future Growth Strategies - The company plans to optimize its asset-liability structure and expand its intermediary business to enhance profitability [11][13] - Future innovations in agricultural loans will include the "Golden Ear" series of credit products and exploring rural property rights as collateral for financing [18]

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]

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 ...

Core Insights - Jiangsu Bank has achieved a significant milestone by surpassing a total asset scale of 4 trillion yuan, marking its entry into the "4 trillion" city commercial bank category [1][3] - The bank reported a revenue of 22.304 billion yuan for Q1 2025, reflecting a year-on-year growth of 6.21%, and a net profit attributable to shareholders of 9.78 billion yuan, up 8.16% year-on-year [1][2] - The bank's non-performing loan ratio has improved to 0.86%, the best level since its listing, with a provision coverage ratio of 343.51%, indicating strong risk mitigation capabilities [1][4] Revenue and Profit Growth - Jiangsu Bank's revenue for Q1 2025 was 22.304 billion yuan, a 6.21% increase compared to the previous year, while net profit reached 9.78 billion yuan, up 8.16% year-on-year [2] - The annualized Return on Equity (ROE) stood at 16.5%, an increase of 1.12 percentage points year-on-year, and the annualized Return on Assets (ROA) was 0.96%, placing the bank among the top tier of listed banks [2] - Interest income, a key revenue driver, amounted to 16.592 billion yuan, growing by 21.94% year-on-year and accounting for 74.38% of total revenue [2] Asset Expansion - As of the end of Q1 2025, Jiangsu Bank's total assets reached 4.46 trillion yuan, marking a significant growth milestone [3] - The bank's loan balance was 2.26 trillion yuan, reflecting a year-on-year growth of 7.96%, with both corporate and retail loans showing positive growth [3] - Jiangsu Bank has actively supported the real economy by focusing on key industries and major projects, aligning with national policies to boost consumption [3] Asset Quality Improvement - The non-performing loan ratio decreased to 0.86%, down 0.03 percentage points from the end of the previous year, achieving the best level since its listing [4] - The provision coverage ratio of 343.51% significantly exceeds the industry average, indicating robust asset quality management [4] - The overdue loan ratio was 1.11%, down 0.01 percentage points, and the attention loan ratio was 1.33%, down 0.07 percentage points, demonstrating effective risk management [4] Market Performance and Investment Value - Jiangsu Bank's stock price has shown strong performance, with a year-to-date increase of over 56% in 2024 and multiple historical highs reached in 2025 [5] - The bank is favored by mainstream investment institutions, with 911 products holding its shares, ranking it among the top four listed banks [5] - The management has demonstrated confidence in the bank's long-term development by voluntarily increasing their holdings by over 20 million yuan [5]

4月28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协议，通过深化银企合作、创 新金融服务，助力首都国企在服务国家战略和首都功能定位中发挥更大作用。 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 会上，华夏银行重点推介了产业数字金融、境外投融资等重点产品与服务，为首都国企精心打造多元 化、综合化金融服务生态，倾力服务首都国企高质量发展。 以同心之力，创未来新局 华夏银行与首都国企这场双向奔赴的盛会，既是落实"金融服务实体经济"要 ...

Core Viewpoint - China Everbright Bank has demonstrated a commitment to high-quality development by actively managing risks and enhancing financial services to support the real economy in the first quarter of 2025 [1] Group 1: Financial Performance - As of the end of Q1, the total assets of China Everbright Bank reached 72,289 billion yuan, a 3.9% increase from the end of the previous year, successfully surpassing the 70 trillion yuan mark [3] - The total loan amount was 41,110 billion yuan, an increase of 1,770 billion yuan (4.5% growth) compared to the end of the previous year, marking a new milestone of over 40 trillion yuan [3] - The bank's total liabilities reached 66,399 billion yuan, a 4.3% increase from the previous year, with deposits growing by 2,328 billion yuan (5.8% growth) [3] - The bank achieved an operating income of 330.9 billion yuan, a 4.1% year-on-year decline, while net profit was 125.3 billion yuan, reflecting a 0.3% year-on-year growth [3] Group 2: Service to the Real Economy - China Everbright Bank has focused on serving the real economy, with technology enterprise loans reaching 4,158 billion yuan (9.6% growth), green loans at 4,609 billion yuan (11.6% growth), and inclusive loans at 4,487 billion yuan (3.0% growth) by the end of Q1 [2] - The bank has established 64 "Pension Financial Service Centers" and provided over 760 pension financial products [2] - The bank is enhancing its online, mobile, intelligent, and ecological service capabilities, particularly in payment and financing scenarios [2] Group 3: Business Development - The bank is advancing its six key specialty businesses, including technology finance and wealth management, with a wealth management scale reaching 17 trillion yuan and retail AUM surpassing 30 trillion yuan for the first time [4] - The "Cloud Payment" service achieved a transaction amount exceeding 2,000 billion yuan, reflecting an 8.8% year-on-year growth [4] - The bank's bond underwriting reached 1,093 billion yuan, and it issued merger loans of 81.8 billion yuan in Q1 [4] Group 4: Asset Quality and Capital Adequacy - As of the end of Q1, the non-performing loan ratio was stable at 1.25%, with improvements in attention and overdue rates [5] - The capital adequacy ratio, tier 1 capital adequacy ratio, and core tier 1 capital adequacy ratio were 13.50%, 11.48%, and 9.40%, respectively, all meeting regulatory requirements [5]

近日，仲利国际2024年度业绩报正式发布。作为深耕融资租赁行业二十年的标杆企业，仲利国际始终聚 焦金融服务实体经济，累计服务中小微企业近8万家，合并资产总额达570.65亿元，较成立初期增长超 百倍。2024年全年合并营收74.18亿元，同比增长4%，累计合并市场投放额近3200亿元，以稳健步伐夯 实行业地位。 凭借卓越服务与责任担当，仲利国际近年屡获殊荣。2024年，公司获评"中国融资租赁榜年度公司"，跻 身"中国品牌500强"；此前还曾入选"福布斯中国融资租赁机构50强"与"亚洲品牌影响力500强"。而在社 会责任领域，公司深度支持绿色租赁项目，助力中小微企业节能改造，并通过乡村振兴公益行动反哺社 会——2024年向河南洛宁孙洞村捐赠善款助力路灯系统重建，改善村民生活；在西藏昌都市巴纳村设立 教育基金，支持偏远地区教育发展等。 *以上为仲利近期部分公益项目 战略深耕驱动高质量发展 通过优化全国布局，仲利国际已设立5大业务中心，扎根35个核心城市，服务网络覆盖超700个区县，深 度融入区域经济发展。团队规模同步扩张，全国70余个业务部、超3000名员工形成专业化服务矩阵，为 中小微企业提供定制化融资解决方案 ...

Core Viewpoint - The article highlights the importance of macroeconomic analysis in understanding global economic trends and the role of financial services in supporting the real economy [2][12]. Group 1: Analyst Background - Chen Dafei, the Chief Macro Analyst at Shenwan Hongyuan Research, has 8 years of experience in the securities industry, focusing on global macroeconomics, monetary policy, and liquidity [3]. - Chen's career includes positions at Dongfang Securities and Guojin Securities, where he led macro research teams before joining Shenwan Hongyuan Research in August 2024 [3]. Group 2: Research Insights - The significance of overseas macro research has grown since 2018, particularly due to the evolving US-China trade relations and the impact of the COVID-19 pandemic, which led to a resurgence of inflation [5][6]. - Chen emphasizes a paradigm shift from a "low interest rate era" to a "high volatility era," where monetary policy becomes crucial in managing inflation [5]. - His research methodology involves a unified approach of "facts-theory-history," focusing on current facts, theoretical understanding, and historical comparisons to deepen insights [9]. Group 3: Professional Development - For newcomers in the industry, a genuine passion for research is essential, as it drives continuous learning and discovery [10]. - Deep thinking skills, supported by a broad knowledge base, are critical for effective economic research [10]. - Proficiency in AI tools is increasingly necessary to enhance research efficiency, paralleling the importance of traditional office software [11]. Group 4: Industry Perspectives - The relationship between finance and the real economy is characterized by both unity and opposition, with financial services playing a vital role in promoting high-quality economic development [12]. - Financial systems exhibit pro-cyclical behavior, which can extend economic expansion but may also lead to instability during downturns [12]. - Long-term economic growth is driven by technological innovation, with finance playing a crucial role in supporting research and development [12]. Group 5: Cultural Influence - The integration of party-building culture within Shenwan Hongyuan Research enhances personal growth and professional thinking, aligning with the broader strategic goals of the organization [14].

习近平总书记多次强调金融和实体经济的关系，指出"金融要把为实体经 济服务作为出发点和落脚点" "金融是实体经济的血脉，为实体经济服务是 金融的天职"。党的二十届三中全会对深化金融体制改革作出一系列系统 性部署，提出"完善金融机构定位和治理，健全服务实体经济的激励约束 机制"的要求。深化金融体制改革，必须建立健全分工协作的金融机构体 系，坚持把金融服务实体经济作为根本宗旨，全力提升服务质效，以金融 高质量发展助力中国式现代化。 深刻理解完善金融机构定位和治理，健全服务实体经济的激励约束机制的内在要求 建设金融强国的必然要求。 强大的金融机构是建设金融强国的六大关键核心金融要素之一，完善金融 机构定位和治理是建设强大的金融机构的关键步骤。习近平总书记指出，金融机构健康既包括资产负债 表健康，也包括公司治理、内控体系、复杂金融产品交易清算以及重要金融基础设施健康。如果金融机 构处于病态，就很难为实体经济服务好。当前我国金融机构总体运行稳健，但在内控管理、服务水平等 方面还存在与实体经济发展不适应的问题，需要抓紧采取有效措施解决。 经济和金融高质量发展的必然要求。 完善金融机构定位和治理是提升我国金融机构服务质效的关 ...