（原标题：中小银行求生样本 渤海银行"甩卖"近700亿不良债权） 渤海银行在公告中进一步说明，鉴于本次拟出售资产规模巨大，难以通过单次交易完成，加之各批次资 产转让所需的准备时间及实施条件存在不确定性，为保障转让工作有序推进，董事会决议寻求股东大会 授予一般性授权，以期在为期一年的授权有效期内，根据实际情况分批次组织实施资产转让。 这并非是渤海银行第一次大规模转让不良资产。2024年，渤海银行曾先后两次以39.67亿元、207.24亿元 转让56.67亿元、289.65亿元债权资产，两次交易受让方均为天津本地的资产管理公司天津津融资产管理 有限公司。加上这次计划出售的资产，渤海银行三次累计处置的问题资产约为1044.65亿元。 自自2022年12月30日，银登网发布《中国银保监会办公厅关于开展第二批不良贷款转让试点工作的通 知》以来，已有广州银行、杭州银行、江苏银行等多家中小金融通过银登中心批量挂牌转让资产包，一 种共同的生存逻辑正在浮现：在盈利增长放缓的背景下，与其让不良资产长期滞留、持续侵蚀利润和资 本，不如果断折价变现，换取转型发展的主动权。 渤海银行的案例，折射出中国部分中小银行在宏观经济周期与产业结 ...

外媒消息，汇丰控股(HSBC.US)企业及机构银行业务负责人Michael Roberts周一(9月22日)在接受采访时 表示，鉴于亚洲与中东地区所汇聚的巨额财富及两地间活跃的资本流动，这两个区域将是汇丰未来发展 的核心阵地。 "这两个区域拥有极其庞大的资本规模，" Michael Roberts补充称这是一个"意义重大且将长期持续的趋 势"。他进一步指出："尤其值得关注的是中东地区的资金规模，此前我们显然低估了这一点。当前，全 球资本流动格局正处于重塑阶段。" 来源：瑞恩资本RyanbenCapital 他透露，转型第一阶段的"组织架构调整"工作，目前已接近尾声。 Roberts坦言，后续仍有更多艰巨任务等待推进，并表示汇丰"从未跻身顶级投行行列"。 Roberts强调，汇丰在如此短时间内完成的转型，"很可能是其历史上规模最大的一次"。"我们必将实现 既定的成本节约目标，"他表示，"转型第二年的工作重点将更多放在简化运营上——这不仅关乎提升成 本效益，更在于把汇丰打造成一家更优质的银行：能够更快速响应市场需求，具备更强的灵活性。而这 其中的诸多工作，都需要长期投入。" 版权声明：所有瑞恩资本Ryanben ...

Core Viewpoint - Ping An Bank is committed to enhancing its operational quality and optimizing its business structure while addressing past challenges through strategic reforms, aiming for steady growth in performance and profitability [3][4]. Business Performance - In the first half of 2025, Ping An Bank achieved a revenue of 69.385 billion yuan and a net profit of 24.870 billion yuan, with a narrowing decline compared to the first quarter [4]. - The total assets increased by 1.8% year-on-year, with a focus on balancing "volume, price, and risk" [5]. - The non-performing loan generation rate decreased to 1.64%, down 16 basis points from the previous year, with a recovery of 18.6 billion yuan in non-performing assets, a 14% increase year-on-year [5]. Strategic Progress - The bank's strategic reforms are progressing as expected, with a focus on retail transformation, corporate support, and enhancing loan quality [6]. - Retail loans saw a significant improvement, with new loans for small and micro enterprises increasing by 33.6% year-on-year, and technology enterprise loans growing by 13.2% [6][7]. - Corporate loans increased by 4.7% year-on-year, with a significant reduction in funding costs, achieving an average interest rate of 1.67%, down 34 basis points from the previous year [8]. Operational Efficiency - The bank is focused on cost reduction and efficiency improvement, with a 9% year-on-year decrease in business and management expenses [9]. - The bank is leveraging its technological advantages to enhance digital transformation and AI integration [9]. Future Initiatives - Ping An Bank plans to enhance its service to the real economy, focusing on key areas such as technology innovation and green finance [10]. - The bank aims to deepen its strategic transformation, particularly in retail and corporate sectors, while maintaining a focus on risk management [11]. - The bank is committed to improving its profitability and operational performance, with a focus on high-demand economic regions [11].

民生银行再度迎来大股东增持。 券商中国记者查阅上市公司公告获悉，香港立业成立于2003年11月，系立业集团持股100%的下属子公司。 2023年9月末，立业集团首度现身民生银行大股东之列，以3.15%的持股比例位列第七大股东。此后，立业集 团持续增持民生银行股份，到2024年3月末，合计拥有该行4.49%股份，仅次于同方国信投资控股有限公司及 其一致行动人，位列该行第五大股东。 香港立业此番增持后，立业集团已合计持有民生银行21.66亿股，占该行总股本比例为4.945%，跃居该行第四 大股东的同时，距离总持股5%的举牌线，仅差0.055个百分点。 2024年6月，民生银行董事会通过关于提名非执行董事、执行董事候选人的议案，随后在股东大会上，立业集 团创始人、华林证券董事长林立被选举为非执行董事。不过，据民生银行披露，截至2024年末，林立的董事任 职资格尚需国家金融监管总局核准。 工商资料显示，立业集团最大股东为深圳前首富林立，持股达99.99%。该集团成立于1995年，产业布局覆盖 新能源、化工、生物医药、综合金融等多个领域，控、参股子公司超百家。金融领域，立业集团控股上市券商 华林证券；2014年与腾讯等 ...

Core Viewpoint - Minsheng Bank has seen significant changes in its shareholder structure, with Hong Kong Liyue Group increasing its stake, positioning itself as the fourth largest shareholder, just below the 5% threshold for mandatory disclosure [2][4]. Shareholder Changes - On June 30, Hong Kong Liyue Group purchased approximately 199 million H-shares of Minsheng Bank at an average price of about HKD 2.624 per share, totaling around HKD 523 million (approximately RMB 477 million), which represents 0.455% of the bank's total share capital [4]. - Following this acquisition, Liyue Group and its concerted parties now hold a total of 2.4% of Minsheng Bank's H-shares and 4.945% of the total share capital, making it the fourth largest shareholder [4]. - Liyue Group, a subsidiary of Shenzhen Liyue Group, was first listed among Minsheng Bank's major shareholders in September 2023, holding 3.15% of shares, and has since increased its stake to 4.49% by March 2024 [4]. Company Background - Liyue Group, founded in 1995 and controlled by Lin Li, the former richest person in Shenzhen, has diversified interests across various sectors, including new energy, chemicals, biomedicine, and comprehensive finance [5]. - The group also holds significant stakes in financial institutions, including a controlling interest in Huayin Securities and a 20% stake in WeBank, China's first internet bank [5]. Strategic Developments - Minsheng Bank's board has seen new appointments, including Lin Li as a non-executive director, pending regulatory approval [4]. - The bank has undergone a strategic transformation, focusing on reducing high-risk, unsustainable business lines and enhancing its core operations [8]. - As of the end of 2024, Minsheng Bank has disposed of non-performing assets totaling RMB 344.6 billion, with cash recoveries of RMB 95.3 billion, indicating a proactive approach to risk management [8].

Core Viewpoint - Local small and medium-sized banks in China are accelerating capital replenishment actions in response to regulatory pressures and the need for financial stability [2][8] Group 1: Capital Replenishment Actions - Su Nong Bank plans to increase its registered capital from 1.803 billion to 2.019 billion yuan through the conversion of convertible bonds and capital reserves [2] - Luzhou Bank intends to issue up to 1 billion new H shares, with a shareholder meeting scheduled for the end of June [2] - Several banks, including Jilin Bank and Tianjin Rural Commercial Bank, are also in the process of capital replenishment through various means [2] Group 2: Challenges and Pressures - The banking sector is experiencing a prolonged low-interest-rate environment, leading to a narrowing net interest margin and increased pressure on revenue growth [3] - Rising default rates among corporate and individual clients due to real estate market issues and local government debt are further straining asset quality [3] - Regulatory bodies are imposing stricter requirements on risk management and internal controls for small and medium-sized banks, necessitating reforms and restructuring [3] Group 3: Strategic Considerations - Optimizing equity structure and enhancing market competitiveness are key considerations for capital increases, with potential benefits from introducing strategic investors [5] - Capital adequacy is crucial for banks to maintain trust and expand business operations in a competitive market [5] Group 4: Effects of Capital Increase - Capital increases will enhance capital adequacy ratios, allowing banks to meet regulatory requirements and expand credit offerings [6] - Higher capital levels improve risk resilience, providing a buffer against potential losses amid economic downturns [6] - Introducing strategic investors can lead to improved governance and operational efficiency [6] Group 5: Future Trends in Capital Replenishment - The trend of capital replenishment among local banks is expected to continue, driven by regulatory demands and the need for strategic development [8] - The banking sector is likely to seek diverse capital sources, including local state-owned enterprises and foreign investments, to optimize governance and enhance competitiveness [9] - As economic structures evolve, banks will need to invest in new business areas, necessitating further capital increases to support digital transformation and risk management improvements [9]

"银行业'低利率、低息差'情况持续存在，我行也步入了战略转型的关键周期。"厦门银行董事长洪枇杷在日前召 开的2024年度业绩说明会上表示。 "稳""进""立"的考量 "这段时间，我对厦门银行的历史和现状有了更深入的了解，也在不断思考如何走好我们的'未来之路'。"洪枇杷开篇 表示。 他认为，如何挖掘、实现和展示厦门银行的内在价值，是"新课题"。对此，既要保持战略定力，也要确保战略与时 俱进、顺势微调。 在该行正在构建的"2+3"五年发展战略规划中，洪枇杷将主题锁定为"稳""进""立"，这既是自身发展需要，更是对中 央经济工作会议精神的贯彻落实。其中： "稳"是根本，是全局。要巩固"稳"的基础，做到站位更稳、效益更稳、风控更稳，让各方对厦门银行更放心、更有 信心。 "下阶段，我们将围绕'稳规模'和'优结构'，资负两端发力做好息差管控，推动净息差指标止跌企稳，变动趋势优于 大市。"洪枇杷称。 这是"70后"洪枇杷年初履新后首次亮相资本市场。此前他长期供职于兴业银行，从支行普通员工做起，先后掌舵多 家省内分行，对福建区域情况熟稔于心。 在他看来，形势越是多变，越需要战略引领，以战略的确定性应对外部的不确定性。 据透露 ...