《关于加强商业银行互联网助贷业务管理提升金融服务质效的通知》（业界称作"助贷新规"）自10月1 日施行以来，商业银行互联网助贷业务正经历深度调整。 近日，多家银行密集调整互联网助贷业务合作名单，掀起"瘦身"潮。 例如，乌鲁木齐银行11月6日发布公告称，自10月1日起该行已停止开展合作类个人互联网消费贷款业 务，目前存量业务涉及的合作机构包括9家平台运营机构和8家增信服务机构。 无独有偶，龙江银行11月5日公布的最新互联网助贷业务合作机构名单显示，该行此前唯一合作的平台 运营机构是深圳首付宝金融科技有限公司，如今为停止合作状态。 此外，在贵阳银行2025年三季度业绩说明会上，该行副行长李松芸表示，该行基于市场环境和监管要 求，主动对业务策略进行了调整，目前与互联网银行合作已到期，无新增互联网平台业务，仅有存量业 务在正常管理。 中国证券报记者梳理发现，近期，乌鲁木齐银行、龙江银行、贵阳银行等多家区域性银行相继宣布暂停 新增互联网助贷合作业务，吉林亿联银行等机构则大幅缩减合作机构数量，行业呈现从广合作到严筛选 的转变。 业内人士认为，助贷新规之下，名单制管理与合规责任强化倒逼银行重构合作逻辑，推动业务从被动依 赖 ...

每经记者｜李玉雯 每经编辑｜何小桃 董兴生 常熟银行（SH601128，股价7.23元，总市值239.78亿元）核心管理层迎来变动，据该行11月13日晚间公告，行长包剑、副行长李勇均因工作变动，申请辞 职。 与此同时，新任行长人选也浮出水面，该行于当日召开董事会会议，聘任陆鼎昌为行长兼首席合规官。陆鼎昌是常熟银行内部培养起来的干部，他从基层 信贷员做起，一路被提拔为该行副行长，期间担任过普惠金融部、小微金融总部等部门负责人，也在分支行管理岗有过历练。 此外，常熟银行还新聘任了两位副行长。新任行长、副行长的任职资格均待监管核准。 同日，常熟银行还披露了地方国资股东增持事项，第二大股东常熟市投资控股集团有限公司（以下简称"常熟投控集团"）年内再度出手，在10月9日至11 月13日期间合计增持该行561.93万股，占总股本比例为0.17%。 "85后"陆鼎昌拟接棒行长 担任行长两年后，包剑因工作变动提交辞呈，辞去常熟银行执行董事、董事会战略与三农金融服务委员会委员及行长职务，辞任后不再担任该行任何职 务。 这位银行业的老将已在常熟银行深耕近20年。常熟银行在公告中提及，任职期间，包剑以敢闯敢试的担当精神主导开创小微 ...

Core Viewpoint - Changshu Bank is undergoing significant management changes with the resignation of its president and vice president, and the appointment of a new president, Lu Dingchang, who is an internal candidate with extensive experience in the bank [2][4][5]. Management Changes - President Bao Jian and Vice President Li Yong have resigned due to work changes, with Bao stepping down from all positions within the bank [4]. - Lu Dingchang has been appointed as the new president and chief compliance officer, pending regulatory approval [2][4]. - Two new vice presidents, Zhang Kangde and Ni Jianfeng, have also been appointed, with their qualifications awaiting regulatory approval [5][6]. Shareholder Activity - Changshu Investment Holding Group, the second-largest shareholder, has increased its stake in Changshu Bank by acquiring 5.6193 million shares from October 9 to November 13, raising its total holdings to 132 million shares, which is 3.98% of the total share capital [3][7]. - The group has made multiple purchases throughout the year, increasing its shareholding by a total of 0.9 percentage points [7]. Financial Performance - For the first three quarters of the year, Changshu Bank reported a revenue of 9.052 billion yuan, a year-on-year increase of 8.15%, and a net profit attributable to shareholders of 3.357 billion yuan, up 12.82% [8]. - As of the end of September, the bank's total assets exceeded 400 billion yuan, reaching 402.23 billion yuan, a 9.72% increase from the previous year [8]. - The bank maintains a low non-performing loan ratio of 0.76%, with a high provision coverage ratio of 462.95% [8].

Core Viewpoint - Jiangnan Rural Commercial Bank is facing cyclical challenges in the banking industry but is strategically optimizing its structure and operations to ensure sustainable growth despite external pressures [1][2]. Financial Performance - As of September 2025, Jiangnan Rural Commercial Bank reported total assets of 616.51 billion yuan, total liabilities of 565.82 billion yuan, and total equity of 50.69 billion yuan, with a profit of 4.92 billion yuan [1]. - The bank anticipates a revenue reduction of approximately 300 million yuan due to tightening VAT policies and a further 500 million yuan from the proactive reduction of non-standard asset scale [1]. Interest Rate Dynamics - The bank is experiencing a significant "scissors difference" where the loan interest rate has decreased by 0.61 percentage points year-on-year, while the deposit interest rate has only decreased by 0.35 percentage points, leading to a narrowing interest margin [1]. - Loan interest income has decreased by 11.38% year-on-year, while deposit interest expenses have decreased by 7.96%, resulting in a revenue reduction of approximately 700 million yuan from loans [1]. Strategic Initiatives - Jiangnan Rural Commercial Bank is focusing on small and micro finance and optimizing its deposit structure as part of a dual strategy for growth [2]. - The bank has established a dedicated small micro-loan division, with over 2.5 billion yuan in loans issued and interest income exceeding 60 million yuan [2]. Deposit Management - The bank is implementing a "limited + pricing" strategy to manage deposit costs, controlling the issuance of long-term deposits and reducing interest rates for various deposit products [3]. - As of the third quarter, the conversion rate of savings deposits has reached 42%, with a significant decrease in the proportion of long-term deposits [3]. Non-Interest Income Growth - Jiangnan Rural Commercial Bank is expanding its non-interest income through bond asset allocation and derivative products, achieving a 35% year-on-year increase in trading gains [3]. - The bank's derivative business has seen a remarkable growth of 78% year-on-year, particularly in interest rate and foreign exchange derivatives [3]. Financial Leasing Business - The bank's subsidiary, Jiangnan Financial Leasing Co., has a leasing asset scale of 35.9 billion yuan, with a year-to-date increase of 2.1 billion yuan, and has achieved over 18% growth in both revenue and net profit [4]. - This leasing business is becoming a stable anchor and growth engine for the group's overall performance [4]. Future Outlook - The bank is gradually building a diversified income system through small micro finance, liability management, innovative funding operations, and subsidiary collaboration, positioning itself for a robust future [4].

Core Viewpoint - The event organized by Ping An Rongyi Yancheng Branch focuses on promoting financial knowledge and fraud prevention for small and micro enterprises, aiming to enhance their financial safety and support their stable development [1][4]. Group 1: Event Overview - The event titled "Guarding Financial Rights and Supporting Business Progress" was held in Yancheng Financial City, targeting small and micro enterprises [1]. - It included practical financial safety guidance through on-site explanations, case analyses, and interactive Q&A sessions [1][4]. Group 2: Financial Knowledge Dissemination - Volunteers provided in-depth explanations on small micro financial knowledge, covering topics such as financing channels, loan policy interpretation, and financial risk avoidance [4]. - The event addressed common financial fraud issues, revealing scams like "fake loans," "illegal fundraising," and "impersonating law enforcement" through real case studies [4]. Group 3: Personalized Consultation - A "one-on-one consultation desk" was set up for volunteers to offer solutions to personalized issues raised by business owners, such as "tax planning" and "supply chain financing" [5]. - Participants expressed appreciation for the practical knowledge gained, particularly in understanding how to apply for loans through legitimate channels and recognizing loan traps [5]. Group 4: Future Commitment - The Yancheng Branch aims to continue its corporate social responsibility by collaborating with various parties to conduct regular educational and customized service initiatives, enhancing financial literacy among small businesses [5]. - The initiative is intended to create a safe and healthy operating environment for small enterprises, contributing to the high-quality development of the regional economy [5].

Core Insights - Minsheng Bank's Beijing Huairou Branch officially opened on October 16, marking the establishment of the bank's 100th standard branch in the capital, enhancing its service capabilities for the capital's economic development [1][2] - The bank is expanding its branch network despite the general trend of contraction in physical bank locations, focusing on transforming branches from transaction-oriented to service-oriented [1][2] - The establishment of the Huairou Branch fills a gap in the bank's network in the area and aligns with the strategic development needs of Beijing [2] Network Expansion - The opening of the 100th branch in Huairou is a strategic move for Minsheng Bank to integrate deeper into the capital's development framework [2] - The bank has signed strategic cooperation agreements with multiple districts, including Miyun and Tongzhou, to enhance government-bank collaboration and meet the capital's development demands [2] - The bank's branch layout is guided by Beijing's "14th Five-Year Plan" and 2035 vision, focusing on regional economic trends for network planning [2] Service Model Transformation - Minsheng Bank is upgrading both the soft and hard infrastructure of its branches, aiming to transform them into "ecological integration centers," "customer experience centers," and "complex product marketing centers" [3] - The bank is focusing on integrating channel advantages, technological capabilities, and social credibility to expand its "bank+" diversified business scenarios [3] Community Banking - The bank has pioneered the "community bank" model, focusing on the needs of key demographics such as the elderly and children [4] - It has implemented measures like setting up care stations and adapting branches for elderly accessibility, addressing the digital divide faced by older customers [4][5] - The bank collaborates with local communities to enhance financial literacy and safety, establishing a dual mechanism for education and fraud prevention [5] Support for Small and Micro Enterprises - Minsheng Bank has established 26 small and micro enterprise financial centers to provide integrated financial and non-financial services [6] - The bank has restructured its approval teams to enhance efficiency and risk management for small and micro businesses [6] - It actively engages with government departments to facilitate financing for small enterprises and supports local economic activities [6] Technology and Innovation Focus - The bank has developed a "3+6+16" organizational structure for technology finance, with specialized branches and centers to serve key industrial clusters [7] - This network covers major industries such as information technology and healthcare, creating a 5-kilometer service radius [7] - The bank offers a comprehensive financial product system tailored to the lifecycle of technology enterprises, supporting various stages from startup to maturity [8] Future Outlook - Minsheng Bank plans to continue expanding its network in alignment with major strategic initiatives, focusing on green finance and technology finance to support regional ecological and industrial upgrades [8]

Core Insights - Jiangsu Changshu Rural Commercial Bank has achieved significant growth since its establishment, with total assets increasing from 100 billion to 400 billion yuan over nine years, and cumulative cash dividends exceeding 5.56 billion yuan, with an average dividend payout ratio of over 28% [1][2][3] - The bank's strategic focus on serving "agriculture, rural areas, and small enterprises" has been a key factor in its success, demonstrating that smaller banks can thrive by pursuing specialized development paths rather than competing on size alone [1][2] - The bank has established a strong presence in the microfinance sector, with personal operating loans accounting for 37.56% of total loans as of June this year, reflecting a 17.04 percentage point increase since June 2016 [2][3] Financial Performance - In the first half of this year, the bank reported operating income of 6.062 billion yuan, a year-on-year increase of 10.10%, and a net profit attributable to shareholders of 1.969 billion yuan, up 13.51% year-on-year [1] - The bank's total assets surpassed 400 billion yuan, total deposits exceeded 300 billion yuan, and total loans surpassed 250 billion yuan as of June this year, marking its entry into the "432" era [1] Strategic Initiatives - The bank has implemented a technology-driven strategy for microfinance, establishing specialized institutions for small loans and focusing on early-stage technology enterprises and talent [2] - Changshu Bank has initiated the establishment of investment management village banks, enhancing management and service capabilities in rural areas, with 31 such banks now operational [3] - The bank is actively pursuing a "village-to-branch" reform model to deepen its institutional layout and expand its sustainable development space, with recent expansions into key urban markets [3]

Core Insights - Jiangsu Changshu Rural Commercial Bank has achieved significant growth, with total assets exceeding 400 billion yuan, total deposits surpassing 300 billion yuan, and total loans exceeding 250 billion yuan as of June 30 this year [2][4] - The bank maintains a low non-performing loan ratio of 0.76% and a high provision coverage ratio of 489.53%, indicating a strong risk management framework [2][4] Group 1: Growth and Performance - Over the past nine years since its listing, the bank has transitioned from a scale of 100 billion yuan to 400 billion yuan, marking a significant milestone [4] - In the first half of this year, the bank reported operating income of 6.062 billion yuan, a year-on-year increase of 10.10%, and a net profit attributable to shareholders of 1.969 billion yuan, up 13.51% year-on-year [4] - The bank has consistently achieved double-digit growth in revenue and net profit for 16 consecutive quarters [4] Group 2: Strategic Focus - The bank's mission is to serve the "three rural issues" and small micro-enterprises, which has been its core focus since its establishment [4][6] - The bank has developed a unique financial service model, "Changyin Microfinance," which integrates advanced micro-lending technology with a standardized process to effectively serve small businesses [6][7] - The bank aims to become a leader in rural finance and a benchmark for inclusive finance, emphasizing a differentiated development path [4][6] Group 3: Shareholder Returns - Since its listing, the bank has returned over 5.56 billion yuan in cash dividends to shareholders, with an average dividend payout ratio exceeding 28% [5] - In 2025, the bank introduced a mid-term dividend plan, distributing 0.15 yuan per share, totaling 499 million yuan, with a dividend payout ratio of 25.27% [5] Group 4: Expansion and Innovation - The bank has initiated the establishment of investment management village banks, enhancing its service network in rural areas [9][10] - The "village-to-branch" reform has been implemented to optimize resource allocation and reduce management costs, with successful integration of village banks into the bank's structure [9][10] - The bank's management emphasizes a culture of innovation and continuity, ensuring alignment with its strategic goals [7][10]

Core Insights - Changshu Bank reported a strong performance in the first half of 2025, with revenue exceeding 6 billion yuan and net profit surpassing 1.9 billion yuan, reflecting year-on-year growth of 10% and 13.5% respectively [2][3] - The significant growth in non-interest income, particularly from investment gains, was a key driver behind the bank's performance, with non-interest income increasing by 57.26% [2][3] - The bank's strategy focuses on maintaining a stable and flexible investment approach, prioritizing high-quality bonds and enhancing liquidity to ensure stability and profitability [2] Financial Performance - For the first half of 2025, Changshu Bank achieved operating income of 60.62 billion yuan, a 10.1% increase year-on-year, and a net profit attributable to shareholders of 19.69 billion yuan, up 13.51% [3] - Total assets reached 401.23 billion yuan, a 9.45% increase from the previous year, with total loans amounting to 251.47 billion yuan, up 4.4%, and total deposits at 310.78 billion yuan, increasing by 8.46% [3] - The bank's non-performing loan (NPL) ratio stood at 0.76%, a slight decrease from the beginning of the year, indicating effective risk management [3][5] Regional Contribution - Over 66% of the bank's revenue came from regions outside Changshu, with 49.88% from within Jiangsu province and 16.64% from outside Jiangsu [3] - The bank's focus on small and micro enterprises is evident, with loans under 10 million yuan making up 72% of total loans, while maintaining a low NPL ratio [3][5] Strategic Expansion - Changshu Bank has accelerated its expansion by merging with seven village banks and establishing new branches, enhancing its risk control measures [4][5] - The integration of village banks is aimed at improving efficiency and consolidating resources, which is expected to enhance the bank's outreach in inclusive finance [4][5] Technological Advancements - The bank has successfully implemented several data migration projects to support its integration strategy, enhancing its capabilities in managing acquired institutions [6] - The "Changyin Microfinance Model," which combines technology and standardized processes, has proven effective in addressing the challenges of small and micro finance [6] Dividend Policy - Changshu Bank announced its first interim dividend since its listing, distributing 0.15 yuan per share, totaling approximately 497 million yuan, which represents 25.27% of the net profit for the first half of 2025 [7][8] - The bank aims to improve its dividend frequency and optimize its payout strategy in response to regulatory guidance [8]

Group 1: Financial Performance - In the first half of 2025, the bank achieved operating income of 6.062 billion yuan, a year-on-year increase of 10.10% [1] - The net profit attributable to shareholders reached 1.969 billion yuan, growing by 13.51% year-on-year [1] - The bank has maintained double-digit growth in both revenue and net profit for 16 consecutive quarters, demonstrating strong resilience [1] Group 2: Asset Quality - As of June 30, 2025, the non-performing loan ratio was 0.76%, a decrease of 0.01 percentage points from the end of the previous year [2] - The provision coverage ratio stood at 489.53%, despite a decline of 10.98 percentage points, still leading among listed banks [2] Group 3: Business Strategy - The bank focuses on serving "three rural and two small" market segments, with innovative models like "Changyin Microfinance" and "Changyin Micro Venture Capital" [2] - Total loans reached 251.471 billion yuan, with personal loans accounting for 54.20% of total loans [2] Group 4: Expansion Strategy - The bank's revenue from regions outside of Changshu accounted for 66.52%, with profits before provisions from these areas at 66.62% [4] - The bank is actively pursuing the "village to branch" reform, merging village banks and establishing branches to penetrate county markets [4][5] Group 5: Dividend Policy - The bank announced its first interim dividend, proposing a cash dividend of 0.15 yuan per share, totaling 499 million yuan, which is 25.27% of the net profit attributable to shareholders [6] - This move reflects the bank's commitment to enhancing shareholder returns and aligns with policies encouraging increased cash dividends [6]