全面风险管理体系

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苏豪汇鸿:公司持续投入建立全面风险管理体系
Zheng Quan Ri Bao Zhi Sheng· 2025-10-13 14:08
证券日报网讯 苏豪汇鸿10月13日在互动平台回答投资者提问时表示,公司持续投入建立全面风险管理 体系,切实保障公司经营合规、业务风险可控。加强大宗业务客户准入,从严从紧抓实大宗业务和合作 业务风险控制;完善逾期预警机制,强化额度控制,执行保证金、应收账款等重点指标的动态管理;加 强合规管理体系建设,制定合规管理重点领域"三张清单";严格执行双重法律审核机制,提升重要决 策、规章制度、重大合同的法律审核质量,构筑风险事前防控体系;加强"两金"管控,全面排查贸易风 险;围绕"风控有效、运营高效、管控见效"的总体目标,持续推进贸易风险管控和信息化的融合,实现 数据的及时更新和风险信息的主动预警,有效防范业务风险,保障公司供应链运营业务健康发展。 (编辑 楚丽君) ...
德邦证券再迎两位“行业尖兵”加盟 魏峰担任高级副总经理,高立拟出任首席风险官
Mei Ri Jing Ji Xin Wen· 2025-09-28 12:58
加入山东财金集团后,视人才为第一资源的德邦证券,近期在干部队伍建设与人才引进上再落重子。 据悉,财富管理行业领军人物、拥有超20年从业经验的证券业资深女将魏峰,将出任德邦证券高级副总 经理,全面分管公司的财富管理业务。 与此同时,拥有10余年行业经验的高立,则拟被聘任为德邦证券首席风险官,进一步筑牢公司的"风控 长城"。 此次两位行业干将加盟,被外界视为德邦证券在国资背景下,运用市场化机制加码财富管理转型与强化 全面风险管理体系的关键信号。 一手抓财富一手抓风控 近期,券商行业的人事变动再度吸引市场目光。《每日经济新闻》记者获悉,德邦证券在高级管理人员 引进方面有了新进展,正式聘任魏峰为公司高级副总经理,并拟聘任高立为公司首席风险官。 此次加盟的魏峰将在德邦证券担任高级副总经理,核心职责是分管被公司视为战略重点的财富管理业 务。从魏峰履历来看,她作为财富管理行业的代表性人物,拥有20余年证券行业从业经验,曾先后任职 于南方证券、中国建银投资证券、安信基金,后加入国投证券任副总经理分管财富管理业务。 与此同时,高立则拟出任首席风险官一职。2025年7月,德邦证券新一届高管名单中,公司总经理兼财 务总监武晓春曾一 ...
保险业处于重要战略机遇期 需破解供需错配难题
Zhong Guo Zheng Quan Bao· 2025-09-22 20:40
Core Insights - The insurance industry is currently at a critical juncture for transformation and high-quality development, facing both strategic opportunities and challenges [2][3] - There is a growing demand for insurance products related to retirement, health, and long-term care, driven by changes in macroeconomic conditions, demographic structures, and technological advancements [1][2] Group 1: Industry Opportunities - The Chinese insurance market is the second largest globally, but there is still a gap in insurance depth and density compared to global averages [2] - The insurance industry is expected to evolve from a focus on risk compensation to a comprehensive management tool for quality of life and wealth management [1][4] Group 2: Consumer Demand Changes - Consumer preferences for risk management have shifted, leading to mismatches between supply and demand in the insurance sector, including issues like personalized needs versus standardized offerings [3][4] - There is a need for insurance companies to adapt to these changes by offering products and services that cover the entire lifecycle of customer needs, particularly in health, retirement, and wealth management [4] Group 3: Strategic Recommendations - The insurance industry should focus on high-quality development, enhancing compliance management, and innovating floating income products to better serve customer needs [4] - Companies are encouraged to adopt a family-centered approach to meet diverse needs in healthcare, retirement planning, and wealth preservation [4]
保险业处于重要战略机遇期需破解供需错配难题
Zhong Guo Zheng Quan Bao· 2025-09-22 20:15
● 本报记者 陈露 梁涛表示,从规模上看,我国已经成为全球第二大保险市场,但是从保险深度与保险密度等来看,我国 离全球平均水平还存在差距。 此外,业内人士认为,随着经济、社会环境的变化,消费者的风险管理偏好也发生了变化,但保险业作 为服务供给侧并未针对消费者需求变化作出及时调整。益普索(中国)董事李海岚认为,目前保险业供 需两端仍存在四大错配,包括个性化需求与标准化供给错配、足额健康保障需求与低覆盖供给错配、跨 周期财富需求与短期化供给错配、多元化养老需求与弱协同供给错配。 向全面风险管理体系升级 业内人士认为,当前,消费者在选择风险保障方案时,其决策维度早已超越单一产品功能,转而聚 焦"产品+服务"的全链条体验。未来保险公司需顺应消费者需求变化,从单一的经济补偿机制向全面风 险管理体系升级。 白皮书调研结果显示,消费者需求已从标准化向个性化迭代,客户对保险公司的期待已超越保单本身, 延伸至健康、养老、财富等生活场景,保险服务供给唯有围绕不同客群构建覆盖客户家庭全生命周期的 分层体系,才能形成差异化竞争力。 "在宏观经济环境、社会人口结构、技术变革等因素共同作用下,民众在投资、储蓄、消费等方面呈现 出新特征。 ...
苏州银行2025年中期净利润增6.41%,总资产突破7500亿元,不良率保持0.83%
Quan Jing Wang· 2025-08-29 05:26
Core Viewpoint - Suzhou Bank demonstrates steady growth in its mid-term performance, with significant advancements in digital transformation and a strong commitment to serving the real economy [1][5]. Financial Performance - In the first half of 2025, Suzhou Bank achieved an operating income of 6.504 billion yuan, a year-on-year increase of 1.81%, and a net profit of 3.134 billion yuan, up 6.41% year-on-year [1]. - Total assets reached 754.974 billion yuan, growing by 8.83% compared to the end of the previous year, with total deposits at 462.752 billion yuan, an increase of 10.98%, and total loans at 363.497 billion yuan, up 9.04% [1]. - The bank's non-performing loan ratio remained stable at 0.83%, with a provision coverage ratio of 437.91% and a loan-to-deposit ratio of 3.63%, indicating strong risk mitigation capabilities [2]. Income Sources - Net interest income, the primary source of operating income, amounted to 4.263 billion yuan, reflecting a year-on-year increase of 2.72% [2]. - The net interest margin was reported at 1.33%, showing a slight decline of 5 basis points from the end of the previous year [2]. - Non-interest income remained stable at 2.241 billion yuan, with net fee and commission income increasing by 9.00% to 735 million yuan [2]. Capital Adequacy - As of the reporting period, the core Tier 1 capital adequacy ratio stood at 9.87%, with a Tier 1 capital ratio of 11.67% and a total capital ratio of 14.57%, all meeting regulatory requirements [3]. - Shareholder equity reached 61.058 billion yuan, an increase of 10.50% from the end of the previous year [3]. Earnings Per Share - Basic earnings per share for the first half of 2025 were reported at 0.66 yuan, with diluted earnings per share at 0.65 yuan [4]. Focus on Key Areas - Suzhou Bank actively engages in key sectors such as government finance, technology innovation finance, green finance, cross-border finance, and inclusive finance [5]. - The balance of green loans reached 50.364 billion yuan, with a net increase of 9.133 billion yuan, representing a growth of 22.15% [5]. - The total credit amount for technology innovation enterprises exceeded 130 billion yuan, serving over 13,000 clients [5]. Inclusive Finance and Cross-Border Services - The balance of loans for ordinary small and micro enterprises with a single credit limit of 10 million yuan or less was 68.844 billion yuan, reflecting a growth of 13.51 million yuan [6]. - The international settlement volume surpassed 13.6 billion USD, marking a year-on-year increase of 30%, while cross-border RMB settlement exceeded 14.5 billion yuan, up 53% [6]. Digital Transformation and Risk Management - Suzhou Bank is the first city commercial bank in Jiangsu Province to directly connect with the central bank's digital RMB system, integrating financial technology into its strategic operations [7]. - The bank has established a comprehensive risk management system, with key risk indicators such as non-performing loan ratio and provision coverage ratio ranking among the top tier of listed banks [7]. Subsidiary Integration and Group Synergy - The recent approval for the merger of several village banks is expected to enhance operational efficiency and service capabilities in county markets [8]. - The financing lease balance of Suzhou Financial Leasing Co., Ltd. exceeded 42 billion yuan, while the management scale of Su Xin Fund Management Co., Ltd. surpassed 15 billion yuan, indicating a continuous improvement in the group's integrated operational structure [8]. - In the second half of 2025, the bank plans to maintain a customer-centric integrated operation strategy, focusing on dual engines of "technology innovation + cross-border" and "livelihood + wealth" [8].
苏州银行(002966) - 2025年6月4日投资者关系活动记录表
2025-06-04 10:18
Group 1: Loan Performance - As of the end of Q1 2025, the total loan balance reached CNY 362.89 billion, an increase of CNY 29.53 billion from the beginning of the year, representing a growth rate of 8.86% [1] - The bank aims to maintain steady growth in loan scale throughout the year by optimizing credit structure and focusing on regional development [1] Group 2: Fee and Commission Income - In Q1 2025, the bank achieved a good year-on-year growth in fee and commission income by focusing on both corporate and retail sectors [2] - The bank plans to expand its sources of non-interest income by enhancing wealth management services and actively engaging in new business areas such as government bond sales and non-financial corporate bond underwriting [2] Group 3: Asset Quality - As of the end of Q1 2025, the non-performing loan (NPL) ratio stood at 0.83%, indicating a strong asset quality compared to industry standards [2] - The bank has established a comprehensive risk management system to enhance the foresight and effectiveness of risk management, aiming to maintain stable asset quality throughout the year [2] Group 4: Compliance and Communication - During the investor relations activity, the company ensured thorough communication with investors, adhering strictly to regulations without disclosing any undisclosed significant information [2]
申万宏源: 2024年度股东大会材料
Zheng Quan Zhi Xing· 2025-05-29 09:45
Core Points - The company is preparing for its 2024 Annual General Meeting (AGM) to ensure the protection of shareholders' rights and maintain order during the meeting [1][2] - The meeting will allow shareholders to exercise their rights, including speaking, questioning, and voting on proposals [2][3] - The company emphasizes the importance of orderly conduct and has set rules for participation and voting procedures [4][5] Meeting Procedures - Shareholders must register to speak before the meeting starts, with a time limit of 3 minutes per speaker and a total of 15 minutes for all speakers [2][3] - Voting will be conducted by a named ballot, where shareholders can express their opinions as "agree," "disagree," or "abstain" [2][4] - Latecomers will not be allowed to vote, and any unsubmitted or improperly filled ballots will be considered as abstentions [3][4] Financial Performance - In 2024, the company achieved a consolidated revenue of 24.735 billion yuan and a net profit attributable to shareholders of 5.211 billion yuan, with basic earnings per share of 0.21 yuan [6] - The company maintained a weighted average return on equity of 5.08% and received an A-class AA rating for its cultural construction practices [6] Strategic Focus - The company aims to enhance its service to the national strategy by focusing on core responsibilities and optimizing its business model [6][7] - It plans to strengthen its governance structure and improve risk management to support high-quality development [7][14] - The company is committed to increasing its support for small and medium-sized enterprises and enhancing its financial services in key areas [6][10] Governance and Compliance - The board of directors is focused on improving corporate governance and compliance with regulatory requirements, including information disclosure [13][22] - The company has implemented a comprehensive risk management system to address potential risks and ensure compliance with market regulations [14][27] - The board emphasizes the importance of maintaining a strong relationship with investors and enhancing investor relations practices [15][22] Future Plans - The company will continue to prioritize its core business and enhance its competitive edge in the market [18][19] - It aims to innovate its financial products and services to better meet the needs of the economy and society [18][19] - The company plans to deepen its organizational reforms and improve operational efficiency through technology and process optimization [20][21]
中新赛克(002912) - 2025年5月27日投资者关系活动记录表
2025-05-28 08:58
Group 1: Strategic Goals and Market Expansion - The company adheres to a "ToG+ToB" dual-driven strategy, focusing on balanced development in domestic and international markets. It aims to enhance channel ecosystem construction and optimize government-enterprise channel cooperation policies to expand market influence [1][6]. - In the domestic market, the company will increase resource investment and accelerate channel construction, particularly in existing industries and government-enterprise networks [1][6]. - For international markets, the company will deepen its international market development strategy, leveraging existing advantages to enhance market penetration and expand influence [1][6]. Group 2: Risk Management and Governance - In 2025, the company plans to optimize its comprehensive risk management system, utilizing digital tools for real-time monitoring and early warning of market, supply chain, and compliance risks [3]. - The company will automate key business processes to ensure compliance with regulatory requirements and enhance governance capabilities through training for governance personnel [3]. Group 3: Research and Development Investment - The company's R&D investment for 2024 is projected to be 33% of its revenue, with plans to increase investment in AI and other fields, leading to a growth in total R&D expenditure [4]. Group 4: Shareholder Actions - Recent share reductions by shareholders are primarily due to the exit needs of venture capital and private equity funds, which have been in existence for over ten years. The controlling shareholder and company executives maintain confidence in the company's future and have not reduced their direct holdings [5]. Group 5: International Market Strategy - The company will actively implement its AI technology development roadmap, enhancing product competitiveness and optimizing customer service to increase customer loyalty [6]. - It aims to explore new markets and innovate business expansion directions to create new opportunities in the international market [6].