本报（chinatimes.net.cn）记者卢梦雪 北京报道 辽沈银行原行长杨法德，正式获批担任辽沈银行董事长。 2025年9月3日，辽宁金融监管局发布批复，正式核准辽沈银行董事长杨法德的任职资格。 成立以来，由于吸收合并了部分"高风险银行"，辽沈银行不良贷款率长期高企，但资产质量呈好转趋 势，不过，2024年吸收三家村镇银行后，该行净利润暴跌230.77%。 招行老将升任辽沈银行董事长 根据公开资料，杨法德1964年8月出生，上海财经大学统计学专业，硕士研究生学历，高级经济师。 工作经历方面，杨法德于2013年10月获准担任招商银行银川分行行长；2015年7月出任招商银行佛山分 行行长；2018年10月转战招银金租担任董事；2018年12月至2022年10月，担任招商银行广州分行行长。 而在监管正式核准杨法德的任职资格前，据沈阳市沈河区委宣传部文章消息，今年7月，杨法德已以辽 沈银行董事长的身份进行接待。 2024年，杨法德进入辽沈银行，在8月至12月代为履行行长职责，后正式出任辽沈银行行长、执行董 事、董事会审计委员会委员、董事会提名委员会委员。 辽沈银行承担着金融改革化险的任务而生，成立当年就吸收合并 ...

Group 1 - The People's Bank of China has established a service consumption and elderly care relending program with a total quota of 500 billion yuan, aimed at boosting consumption demand and providing financial support to the elderly care industry [1] - The new relending policy is expected to stimulate the service consumption and elderly care market, promoting consumption upgrades and meeting public demand [1] - The policy will be executed until the end of 2027 and will include 26 national financial institutions as eligible recipients [1] Group 2 - The People's Bank of China has lowered the policy interest rate by 0.1 percentage points and reduced the personal housing provident fund loan rate by 0.25 percentage points, which is expected to decrease the cost of home purchases [2] - The five-year housing provident fund interest rate has been reduced from 2.85% to 2.6%, resulting in a monthly payment reduction of 133 yuan for a million yuan mortgage, saving approximately 48,000 yuan in total interest [2] - The central bank's actions are seen as key measures to stabilize the real estate market and support high-quality economic development [2] Group 3 - The first quarter monetary policy execution report indicates that a moderately loose monetary policy is being implemented to support consumption as a key point for expanding domestic demand and stabilizing growth [3] - The report emphasizes the need to promote a reasonable recovery of prices by balancing supply and demand, with a focus on expanding effective demand [3] - The report also highlights the importance of increasing support for the real economy to effectively respond to external shocks and stabilize foreign trade [3] Group 4 - The central bank is guiding commercial banks to lower deposit rates through a self-discipline mechanism, which is expected to alleviate the pressure of narrowing interest margins for banks [4] - It is anticipated that deposit rates will be reduced by an average of about 0.1 percentage points, which will help stabilize growth and mitigate risks [4] Group 5 - Private banks are facing challenges such as narrowing net interest margins and asset quality pressure, leading to a slowdown in growth and adjustments in asset-liability structures [5] - Some private banks are enhancing their self-operated channels to cope with market competition, while growth on the asset side remains relatively constrained [5] Group 6 - The competition among the top four city commercial banks is intensifying, with Jiangsu Bank and Ningbo Bank showing significant growth in key indicators [6] - Both banks are experiencing rapid growth in corporate loans and financial investments, which are driving asset expansion [6] - Despite not surpassing Beijing Bank in asset scale, Jiangsu Bank and Ningbo Bank have stronger profitability and higher market valuations [6] Group 7 - The economic and financial landscape in China is undergoing significant changes, with Jiangsu and Zhejiang provinces emerging as new battlegrounds for city commercial banks [7] Group 8 - Shunde Rural Commercial Bank is accelerating its expansion by planning to integrate multiple village and town banks, aiming to optimize financial resource allocation [8] - The bank's integration efforts are in line with policy requirements for small and medium-sized bank reforms and aim to enhance its financial layout in the Greater Bay Area [8] Group 9 - CITIC Bank and China Merchants Bank are planning to establish financial asset investment companies (AIC) to expand their business boundaries and enhance financial services for innovative enterprises [9] - The expansion of AIC trials is expected to reshape the competitive landscape of the industry and increase the coverage and specialization of services for innovative companies [9] Group 10 - The Financial Regulatory Bureau is promoting a government-backed financing guarantee system for small and micro enterprises, with guarantee fees not exceeding 1%, significantly lower than commercial guarantee levels [10] Group 11 - In the first quarter, 85 property insurance companies reported a total net profit exceeding 25.6 billion yuan, driven by improvements in auto insurance business and the gradual release of investment income from the previous year [11] Group 12 - Many securities firms have been frequently updating reports on the progress of bank listing guidance since April, with 15 banks currently in the listing guidance registration stage [12] - These banks face urgent capital replenishment needs, asset confirmation challenges, and the need to optimize their equity structures [12] Group 13 - The Guangdong Provincial Association plans to establish a provincial-level rural commercial bank to optimize management systems and enhance market-oriented and professional levels [13] - This reform aims to better serve Guangdong's strategic development goals and follows a trend of provincial-level rural credit union reforms across multiple provinces [13]