【文/羽扇观金工作室】 在全国性股份制银行普遍面临经营压力的背景下，渤海银行成为少数实现营收和净利润双重增长的机构 之一。 尽管业绩数据表现积极，但市场反应相对冷淡。自8月29日发布半年报以来，渤海银行港股价格一度跌 至0.98港元，直至9月9日收盘才回升至1.1港元，仅较报告发布日开盘价上涨5.77%。 在零售信贷收缩的同时，渤海银行加大了企业金融业务转型力度，重点打造"行业银行、专业银行、生 态银行"三大服务模式，聚焦新能源、生物医药、汽车等重点产业。 然而，转型成效尚未充分体现在财务表现上。公司业务分部上半年营收81.05亿元，同比仅增长0.93%； 税前利润37.4亿元，增幅仅为0.08%。业绩增长缓慢主要受资产质量波动影响，该板块资产减值损失 22.89亿元，同比大增25.7%。 金融市场业务贡献突出但盈利承压 分析人士认为，投资者态度谨慎主要源于两方面因素：一是该行连续三年未实施现金分红政策；二是尽 管整体业绩向好，但各业务板块发展质量参差不齐，长期增长动能仍待观察。 企业金融业务增长乏力 2025年上半年，渤海银行营业收入达142.15亿元，净利润38.3亿元，同比分别提升8.14%和3.61% ...

来源：金融人事mini 今年以来，民生银行信用卡中心管理层大换血，先后迎来三位副总经理闫春仲、黄海俊、胡跃鑫；原信用卡中心总裁陈大鹏调任深圳分行行长，原合肥分行行长孙兴接任信用卡中心总裁。 民生银行总行部门设置（2024年报） 33个部门，较2023年精简了3个：撤销了地产金融部和投资银行部，由于伦敦分行的成立也取消了原伦敦分行筹备组；另外优化科技金融组织架构，组建公司业务部/科技金融部。 地方分行 近日，民生银行高管层出现年内首次变动。7月23日，民生银行公告，副行长石杰因到龄退休离任；同时，聘任李稳狮为副行长，自其任职资格获准之日起就任，现年48岁的李稳狮将成为民生银 今年上半年，民生银行的中层管理人员也经历一轮较大调整，总行多个部门总经理赴任地方，部分一级分行行长调任总行。 本期银行人事，继续介绍民生银行总分行人事变动，其中，总行交易银行部副总转正，多位一级分行副行长的任职资格近期获批复。 总行部门 总行交易银行部副总经理邓莎莎，拟任交易银行部总经理；原交易银行部总经理杨鲲鹏已调任合肥分行行长。 邓莎莎，武汉大学金融学学士，香港大学IMBA，有20多年贸易融资从业经验，对银行保理业务操作风险、法律风险和 ...

Core Viewpoint - The banking industry is tightening control over cashless transactions, leading to a significant reduction in cardless cash services across multiple banks [1][3]. Group 1: Bank Policy Changes - China Merchants Bank announced it will stop ATM QR code deposit services starting April 9, 2025, to enhance customer safety and convenience [2]. - Over 30 banks, including major state-owned and joint-stock banks, have adjusted or closed cardless cash services in the past year, indicating a broader trend in the industry [3]. Group 2: Risk Management and Cost Considerations - The tightening of cardless cash services is primarily driven by financial risk concerns, as these services can lead to potential financial risks for banks [3]. - The operational costs associated with maintaining ATM systems and managing cardless cash services are also a factor in the decision to scale back these offerings [3]. Group 3: Customer Reactions and Usage Patterns - Customer responses to the cancellation of cardless services are mixed; while some prefer the convenience of QR code transactions, many still opt for traditional card usage [4]. - The demographic using ATM services tends to be older individuals who are more accustomed to using physical cards, indicating a potential gap in service adaptation among different age groups [6]. Group 4: Security Concerns - Experts highlight that the security of QR code deposits is relatively low, contributing to the decision to discontinue cardless cash services [4][5]. - The potential for identity verification issues and the risk of money laundering are significant concerns that banks must address in their cash handling processes [6].