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张家港行(002839) - 2025年8月28日投资者关系活动记录表
2025-08-29 09:14
证券代码:002839 证券简称:张家港行 江苏张家港农村商业银行股份有限公司投资者关系活动记录表 编号:2025-02 | | √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) | | | 中泰证券 邓美君 东方基金 严凯 | | 参与单位名称及 | 大都会人寿 马思源 | | 人员姓名 | 前海联合 李瑞龙 | | | 混沌投资 黎晓楠 | | | 华宝资管 俞天甲 | | 时间 | 2025 年 8 月 28 日下午 15:00-16:00 | | 地点 | 张家港行总行 17 楼会议室 | | 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: | | 投资者关系活动 | Q:请贵行介绍一下上半年的主要经营情况? | | 主要内容介绍 | A:我行作为一家区域性农商行,坚守"支农支小"战略 | | | 定力不动摇,深耕普 ...
农村商业银行发力“支农支小”
Jing Ji Ri Bao· 2025-06-15 23:09
Core Viewpoint - Rural commercial banks play an irreplaceable role in providing financial services to agriculture and rural areas, especially during the critical period of advancing the rural revitalization strategy [1][2]. Financial Support for Agriculture - The People's Bank of China has increased the re-lending quota for supporting agriculture and small enterprises by 300 billion yuan, bringing the total to 3 trillion yuan [2]. - Various rural commercial banks are innovating financial products to support rural revitalization, with Zhejiang Rural Commercial Bank providing half of the agricultural loans in the province [2]. - Tianjin Rural Commercial Bank has established a financial service plan for spring farming, ensuring timely credit support for key agricultural sectors [3]. Support for Small and Micro Enterprises - By the end of Q1 2025, the balance of inclusive loans for small and micro enterprises reached 35.3 trillion yuan, a year-on-year increase of 12.5% [5]. - Jiangsu Rural Commercial Bank aims to provide no less than 50 billion yuan in loans for rural construction throughout the year [3]. - Beijing Rural Commercial Bank has engaged in extensive outreach to support small and micro enterprises, with over 4000 credit approvals totaling more than 20 billion yuan [6]. Innovation and Digital Transformation - Rural commercial banks are focusing on digital transformation to enhance service efficiency and customer experience [7][8]. - The implementation of "silver-tax interaction" mechanisms is helping rural banks address issues like insufficient credit ratings for agricultural enterprises [7]. - Innovative products like "Science and Technology Loans" and "Intellectual Property Pledge Loans" are being introduced to meet the financing needs of technology-based small enterprises [8]. Future Directions - Experts suggest that rural commercial banks should optimize internal policies and processes to better support weak links in agricultural financing [4]. - There is a call for establishing a government-led agricultural credit guarantee system to improve the rural financial risk compensation environment [4]. - The need for enhanced policy support and a robust evaluation system for inclusive finance is emphasized to ensure sustainable growth in rural financial services [6][9].
央行:增加科技创新和技术改造再贷款额度3000亿元 增加支农支小再贷款额度3000亿元
智通财经网· 2025-05-07 05:04
Group 1 - The People's Bank of China (PBOC) has announced an increase in the re-lending quota for technological innovation and technological transformation by 300 billion yuan, bringing the total to 800 billion yuan [1] - The new quota will no longer separate the support for first-time loans to technology-based small and medium-sized enterprises and loans for technological transformation and equipment updating projects [1] - This move is part of the broader "Two New" policy aimed at guiding financial institutions to accelerate loan disbursement in relevant fields [1] Group 2 - The PBOC has also increased the re-lending quota for agricultural and small enterprises by 300 billion yuan to enhance financial support for agriculture, small micro, and private enterprises [2] - The agricultural and small enterprise re-lending is a long-term tool supporting inclusive finance, with the PBOC continuously increasing its support in recent years [2] - Starting from April 1, 2025, the agricultural re-lending and small re-lending will be merged into a single category, optimizing management to better leverage policy incentives [2]
聚焦3家改制后农商联合银行一季度经营情况:支农支小提质效 降本增效谱新篇
Zheng Quan Ri Bao· 2025-05-05 23:50
近期,广西农商联合银行、江西农商联合银行、山西农商联合银行(此三家农商联合银行均已完成改 制)先后召开会议分析一季度经营形势,明确下一阶段重点工作。 相关会议围绕如何促进辖内农信机构强化支农支小主责主业、持续深入推进降本增效等内容展开,为自 身及辖内农信机构下一步发展明确方向。 金融活水精准滴灌实体经济 向精细化管理要发展动能 面对复杂多变的经营环境,三家已完成改制的农商联合银行将降本增效作为提升核心竞争力的关键抓 手,从结构调整、管理优化、科技赋能等维度深挖潜力。 王东升强调,要全面推进降本增效、增收节支,坚持不懈向专业化经营、精细化管理要效益,切实增强 可持续发展内生动能。要更大力度加大有效投放。启动实施普惠金融提升工程,加大对创新创业、农业 产业链、提振消费等领域信贷投放,推动贷款规模稳定增长;加强低成本资金拓展,优化信贷资产组合 和金融资金业务结构,推进中间业务收入倍增计划,全方位提升业务发展质效;统筹资产负债管理,动 态优化调整利率定价策略,加强费用精细化管理,不断提高精细化管理水平和效能。 江西农商联合银行党委副书记、副董事长、行长梁卫华表示,要以降本增效为抓手,持之以恒向专业化 经营、精细化管理 ...
青农商行(002958) - 002958青农商行投资者关系管理信息20250429
2025-04-29 10:14
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]
三家省级农信机构开业强化支农支小与风险化解双主线
Zheng Quan Ri Bao· 2025-04-27 15:48
Core Viewpoint - The establishment of three provincial rural financial institutions in China marks significant progress in rural financial reform, focusing on supporting agriculture and small enterprises, which is essential for local economic development [1][2][4]. Group 1: Establishment and Purpose of Institutions - The opening of Henan Rural Commercial Bank, Jiangsu Rural Commercial Union Bank, and Jiangxi Rural Commercial Union Bank signifies a solid step in rural financial reform [1]. - These institutions aim to enhance financial services for "three rural issues" (agriculture, rural areas, and farmers) and small enterprises, which is their fundamental mission [1][2]. - The leadership of these banks emphasizes a commitment to serving local markets and supporting rural revitalization and small business financing [1][2]. Group 2: Risk Management and Financial Stability - Risk prevention is a core mission for the newly established banks, with a focus on improving financial innovation, management capabilities, and risk control [3][4]. - The establishment of these banks is expected to help mitigate risks within the rural financial system and maintain local financial stability [4][5]. - Strategies suggested for effective risk management include merging local financial institutions, attracting quality strategic investors, and enhancing governance structures [5]. Group 3: Future Directions and Innovations - The reform of rural financial institutions is transitioning from decentralized operations to a model of provincial coordination and county-level deep cultivation [5]. - Future success will depend on balancing support for the real economy with risk prevention, with the new institutions playing a crucial role in this process [5].