财通证券（601108.SH）总经理人选正式落定。 10月29日，财通证券公告称，正式聘任应朝晖为公司总经理。业界对应朝晖此次履新并不意外，早在今 年8月，财通证券已披露，决定应朝晖任公司党委副书记，提名其为公司总经理人选。 早在今年8月6日，财通证券便召开干部大会宣布，浙江省担保集团有限公司（简称"浙江担保集团"）原 党委书记、董事长应朝晖，将出任财通证券总经理；次日，财通证券进一步披露，公司收到中共浙江省 委相关文件，决定应朝晖任公司党委副书记，提名应朝晖为公司总经理人选。 回溯来看，财通证券此次人事变动，源于2024年9月6日公司董事、总经理黄伟建因到退休年龄，不再担 任公司董事、总经理及董事会风险控制委员会委员等有关职务。 从公开履历来看，应朝晖具备丰富的实战经验，早年深耕浙江省内金融体系，曾任浙江省农信联社党委 委员、副主任，浙江农商联合银行党委委员、副行长，还曾担任浙江省担保集团党委书记、董事长。现 任财通证券党委副书记、总经理、董事。 同日，财通证券发布的2025年三季度报告显示，前三季度，财通证券实现营业收入50.63亿元，同比增 长13.99%，归母净利润20.38亿元，同比增长38.42% ...

Core Viewpoint - Zhejiang Zheshang Bank is achieving steady growth by deeply cultivating its local market in Zhejiang province amidst industry challenges, with significant milestones in deposits and financing services [2][3]. Group 1: Financial Performance - As of June 2025, the total deposits in Zhejiang province reached 610.2 billion yuan, marking a historic breakthrough [2]. - The total financing services in the province increased to 1.12 trillion yuan, with 98.5 billion yuan added in the first half of the year, surpassing the total increase for the previous year [2]. - Revenue from provincial operations grew by 25.5% compared to 2021, despite industry-wide pressure on interest margins [4]. Group 2: Strategic Initiatives - The bank's "Deep Cultivation of Zhejiang" strategy, initiated in 2022, aims to enhance its role as a financial engine for high-quality economic development in the region [2][3]. - The bank has established strategic cooperation with all 11 municipal governments in Zhejiang, covering nearly 60% of county-level collaborations [4]. - The bank's new three-year action plan (2025-2027) sets ambitious targets for increasing financing volume, customer base, and deposit scale [5]. Group 3: Customer Base and Services - The number of corporate credit clients in the province increased by 66% over the past three years, achieving full coverage of key state-owned enterprises and top companies [4]. - The number of inclusive small and micro customers grew by 31%, with new inclusive small loans amounting to 44.5 billion yuan, maintaining the highest growth among peers [5]. - The bank's private banking clients exceeded 7,000, and retail value clients reached 264,000, indicating a comprehensive service network [5]. Group 4: Financial Innovation - The bank is focusing on financial innovation to support industrial upgrades, moving beyond traditional credit expansion [6][7]. - A unique "technology finance service system" has been developed, assessing technology companies based on future potential rather than historical collateral [7]. - The bank has issued 5 billion yuan in technology innovation bonds and designed comprehensive financial service solutions for small and micro enterprises [7][8]. Group 5: Green Finance Initiatives - The bank is actively supporting green industries and helping traditional sectors transition to low-carbon operations through innovative financial products [8]. - A notable example includes a loan mechanism linked to a company's carbon intensity, offering lower rates for reduced emissions [8]. - Overall, the bank's multi-faceted approach under the "Deep Cultivation of Zhejiang" strategy is aimed at supporting regional industrial upgrades while enhancing its own value [9].