记者丨孙永乐 编辑丨巫燕玲 国联民生证券新一届管理层正式确立，共有16人，即顾伟担任董事长、葛小波担任总裁，汪锦 岭、熊雷鸣为执行副总裁。 对于顾伟此番履新，业界并不意外。 国联集团是无锡市政府出资设立的国有资本投资运营和授权经营试点企业，也是国联民生证券 合并后的控股股东，而国联民生证券的合并作为无锡国资成功推动的券商市场化并购案例。 2023年12月4日，国联集团发布关于总裁发生变动的公告，根据《市政府关于顾伟、华伟荣同 志职务任免的通知》，任命顾伟为无锡市国联发展（集团）有限公司总裁。 2024年3月、7月，顾伟先后担纲民生证券董事长、原国联证券党委书记，操刀"国联+民生"整 合事项。 75后的顾伟有较为丰富的工作履历。历任无锡市财贸信息中心科员，无锡市财贸办公室秘书处 副处长，无锡市政府办公室综合一处副处长，行政处处长，无锡市南长区政府、梁溪区政府副 区长，无锡市行政审批局局长、党组书记，无锡市地方金融监督管理局局长、党组书记等职 务。 8月8日，国联民生证券（601456.SH）新一届核心领导班子正式亮相。 公司现任党委书记顾伟出任董事长，原董事长葛小波因工作调整原因辞去该职，仍担任公司执 行董事、 ...

Core Viewpoint - The article discusses the Supreme People's Court's issuance of the "Guiding Opinions on Implementing the Private Economy Promotion Law," which aims to address the challenges faced by the private economy, particularly focusing on the issues of "difficult financing and expensive financing" through 25 specific judicial measures [1]. Group 1: Financing Challenges - The "Guiding Opinions" specifically target the regulation of illegal lending practices such as "usury" and "head-cutting interest," while also standardizing the lending behavior of financial institutions and encouraging innovative financing guarantee models [1][3]. - The article highlights that the "Private Economy Promotion Law," which took effect on May 20, 2023, emphasizes investment and financing promotion as a core component, addressing the persistent issue of "difficult and expensive financing" that hinders the growth of the private economy [1][3]. Group 2: Regulation of Illegal Lending - The "Guiding Opinions" aim to regulate private lending order and impose strict penalties on illegal lending activities, which often lead to financial black and gray market behaviors [3][4]. - A case study is presented where an individual faced severe financial exploitation through illegal lending practices, illustrating the detrimental impact of such activities on private enterprises' financing costs and overall order in private financing [4][5]. Group 3: Financial Institution Practices - The document addresses the need to regulate financial institutions' unilateral actions, such as increasing loan conditions, halting loan disbursement, and prematurely recalling loans, to protect the legitimate rights and interests of private economic organizations [5][6]. - The article cites an example of a business owner who experienced a sudden withdrawal of credit, exacerbating their financial difficulties, highlighting the need for stricter regulations to prevent such practices [5][6]. Group 4: Innovative Financing Solutions - The "Guiding Opinions" focus on expanding new financing guarantee methods, supporting private economic organizations in utilizing supply chain and industry chain resources for financing [7][8]. - The article emphasizes the importance of recognizing the legal validity of non-typical guarantees, which can help private enterprises effectively leverage their asset resources for credit financing [7][8].

8月8日晚，成都银行发布公告称，因股价持续超过增持计划披露的价格上限，公司实控人成都市国资委实际控制的企业——成都产业资本控股集团有限公 司（简称"成都产业资本集团"）、成都欣天颐投资有限责任公司（简称"成都欣天颐"），仍未增持公司股份，成都市国资委及增持主体拟对原增持计划进 行调整。 8月8日晚，成都银行称，由于股价持续超过原增持计划设定的价格上限，成都产业资本集团、成都欣天颐仍未增持公司股份。 股价持续超过增持价格上限 此前，成都银行在4月9日发布公告称，成都产业资本集团、成都欣天颐拟自4月9日起6个月内，通过上海证券交易所系统，以集中竞价等合法合规方式， 增持成都银行A股普通股股份。 原增持计划为，增持价格不超过截至增持计划公告披露日成都银行除权除息后的历史最高股价17.59元/股，在上述增持价格上限范围内，两家增持主体拟 增持的股份数量合计不超过7958.87万股，占成都银行股份总数的比例不超过1.878%；合计不低于3979.44万股，占成都银行股份总数的比例不低于 0.939%。 自4月9日以来，成都银行股价呈现上涨态势。8月8日，成都银行报19.03元/股，较4月9日收盘价15.91元/股，上涨 ...

8月8日，据中国人民银行广东省分行公布的行政处罚决定信息公示表显示，珠海华润银行因"违反支付 结算业务、货币金银业务、国库业务、征信业务、反洗钱业务管理规定"，被警告并罚款334.75万元。 时任珠海华润银行法律合规部总经理谭某，对该行未按规定履行客户身份识别义务；未按规定报送大额 交易报告或者可疑交易报告的行为负有责任，被罚款5万元。 如果加上高管个人处罚，本轮罚单总额超过360万元。 实际上，合规内控风险的背后，叠加了业绩滑坡。按照该行2024年报，实现营收71.32亿元，增幅 4.87%；而归母净利润则降幅近七成，由上年末的13.96亿元缩减68.21%至4.44亿元。对于净利润的缩 水，该行解释称"是对存量风险资产进行评估后计提信用减值损失所致"。 值得一提的，今年一季度， 该行继续延续承压趋势，营收下滑超两成。 采写：南都湾财社记者 卢亮 | 17- | 当事人名称(姓名、郎 | 行政处罚决 | 违法行为类型 | 行政处罚内容 | 作出行政处罚 | | --- | --- | --- | --- | --- | --- | | 3 | 第) | 定书文号 | | | 决定机关名称 | | | 味海华 ...

南方财经记者 庞成 广州报道 第十五届全国运动会（简称"十五运会"）将于2025年11月在广东、香港、澳门举行。 日前，中国工商银行与十五运会广东赛区执委会签约，正式成为"第十五届全国运动会银行合作伙伴"。 8月8日，工行在广州举办"第十五届全国运动会金融服务发布会"，宣布正式启动赛事金融服务。 工行还构建了赛事门票销售"全渠道支付矩阵"，线上支持银联卡、数字人民币、外卡等全品牌支付，线 下智能POS终端覆盖场馆、商圈、酒店，实现银行卡、数字人民币"一码通行"。同时，持续提升外卡受 理能力，扩大外卡受理商户覆盖面，加快推广外卡内绑等支付产品，增强现金供给能力，网点常态化配 置"零钱包"，让境外选手和旅客畅享丝滑支付。 此外，全运会期间，工行将聚焦票务、酒店餐饮、特许商品零售店和文旅景区等场景，联合商户开展信 用卡、借记卡和数字人民币消费优惠活动，激活赛事经济，助力提升消费活力。 据了解，工行将整合工银集团全球资源，汇聚粤港澳大湾区机构力量，形成服务合力，构建覆盖"赛前 筹备、赛中保障、赛后延伸"的全生命周期赛事金融服务生态。 工行将在手机银行和工银e生活平台上线"全运专区"，打造集票务信息及赛事资讯、票务购买 ...

Core Viewpoint - The article emphasizes the importance of digital transformation for Chinese commercial banks, highlighting the need for high-quality development and the integration of digital finance into their operations to enhance service efficiency and competitiveness [2][3]. Group 1: Digital Transformation Direction - The digital transformation of commercial banks is driven by the integration of digital economy and traditional banking, focusing on enhancing financial services through advanced technologies like AI, big data, and blockchain [3]. - The future of banking will see a shift from providing specific financial products to embedding financial services seamlessly into daily life, enhancing customer experience [3]. - Deep digitalization will create competitive advantages through high-frequency scenarios and customer profiling, enabling banks to better serve their clients [3]. Group 2: Challenges in Digital Transformation - The development of data capability systems is lagging behind the pace of digital transformation, limiting banks' ability to innovate [6]. - There is often a disconnect between business needs and digital transformation efforts, with a focus on system development rather than actual service requirements [7]. - Traditional organizational structures hinder the responsiveness of technology and business lines to evolving market demands, leading to inefficiencies [8]. Group 3: Basic Thoughts on Digital Transformation - The primary focus should be on maximizing data value, with strategies centered around governance, application, and management optimization [10]. - Implementing AI models to empower core business processes is essential, with a focus on creating intelligent workflows and enhancing customer interactions [11]. - A dynamic tracking incentive mechanism should be established to encourage the use of digital tools across business departments [11]. Group 4: Effective Promotion of Digital Transformation - The transformation process should follow a structured path: strategic transformation, architectural transformation, technological transformation, and business transformation [12]. - Strengthening top-level leadership and creating agile organizational structures will enhance responsiveness to market needs [13]. - Business transformation should prioritize mobile-first strategies, scenario-based services, and intelligent risk management to adapt to the digital landscape [14].

Core Points - Agricultural Bank of China (ABC) has surpassed Industrial and Commercial Bank of China (ICBC) in A-share circulating market value, reaching 2.11 trillion yuan as of August 6, 2023, while ICBC stands at 2.09 trillion yuan [1][2] - Despite ABC's lead in A-share market value, ICBC remains the largest bank in China by total market value, with 2.78 trillion yuan compared to ABC's 2.35 trillion yuan as of August 8, 2023 [4][5] Market Performance - ABC's stock price has shown significant growth, with a year-to-date increase of 31.3% as of August 7, 2023, outperforming other major banks [9] - From the beginning of 2023 to August 7, ABC's stock price surged by 170%, while ICBC and other major banks saw increases ranging from 51.46% to 111.14% [9] Financial Performance - In Q1 2025, ABC reported a revenue of 186.67 billion yuan, a slight increase of 0.35% year-on-year, and a net profit of 71.93 billion yuan, up 2.20% [10] - ABC's non-performing loan ratio stood at 1.28% in Q1 2025, better than ICBC's 1.33% [10] Business Strategy - ABC is focusing on "downward" market strategies, directing financial resources towards rural areas, with 55,000 county-level customer managers and a loan balance of 9.85 trillion yuan in rural areas by the end of 2024 [11][12] Dividend Appeal - The overall banking sector has seen a surge, with the China Securities Bank Index rising nearly 50% since 2023, driven by low interest rates and a demand for high dividend assets [14] - ABC's dividend yield is 3.60%, lower than several peers, but still part of a broader trend where 26 out of 42 listed banks have yields exceeding 4% [16][17] Valuation Metrics - As of August 8, 2023, ABC has the highest price-to-book ratio among the six major state-owned banks at 0.89, indicating a relatively favorable valuation compared to its peers [18]

原文标题：《与中小企业"共生"的中小银行，迎来"整合"潮》，题图来自：AI生成 从2024年开始，部分中小银行的危机频现端倪，去年全年注销的银行达到204家。 到今年上半年，全国共有210家中小银行获批注销，数量一举超过2024年全年。据悉，消失的银行数量占到了银行总量的5%左右，主要是定位下沉市场的中 小银行，而这些支撑不下去的小银行大部分被大银行兼并整合。 从广义上来说，中小银行泛指除了中、农、工、建、交、邮储六大国有行之外的所有银行，对应监管中的股份制银行部、城市银行部、农村银行部……值得 注意的是，这几年股份制银行中的招商、浦发、兴业等头部银行的资产规模已经可以与六大行相媲美。 而细究中小银行的衰败，其实也并非单一因素导致。 更多因素有中小企业经营恶化、地方经济承压、金融资源错配、同时，叠加资本补充困难、业务转型失败……最终，曾经撑起国内金融体系半边天的中小银 行，逐渐只有被大行整合这一条路了。 与中小企业的"共生关系"破裂？ 不可否认，中小银行的衰败与中小企业的生存现状息息相关，曾几何时，二者相辅相成： 一方面，中小银行依托本地化的网点网络，能穿透中小企业轻资产、缺抵押的融资壁垒，它们熟悉辖区内企业 ...

21世纪经济报道记者 孙永乐 上海报道 8月8日，国联民生证券（601456.SH）新一届核心领导班子正式亮相。 公司现任党委书记顾伟出任董事长，原董事长葛小波因工作调整原因辞去该职，仍担任公司执行董事、 总裁等职务。 同时，顾伟自此次董事会审议通过之日起，担任公司法定代表人、董事会风险控制委员会主任委员、董 事会战略与ESG委员会主任委员等职务。 对于此次新职务的任命，业内早有预期。此前，国联民生证券于6月6日一次性任命5名高管，均来自民 生证券，此番为公司高管团队第二次调整。 据接近国联民生证券人士透露，此次高管团队调整后，国联民生证券全部高管团队已正式确定。 通过两次人员调整，国联民生证券除顾伟担任董事长、葛小波担任总裁外，汪锦岭、熊雷鸣为执行副总 裁，另有江志强、郑亮、王卫、尹磊、李钦、任凯锋、胡又文、徐春、杨海、王捷、戴洁春、吴哲锐等 高级管理人员。 2023年12月4日，国联集团发布关于总裁发生变动的公告，根据《市政府关于顾伟、华伟荣同志职务任 免的通知》，任命顾伟为无锡市国联发展（集团）有限公司总裁。 2024年3月、7月，顾伟先后担纲民生证券董事长、原国联证券党委书记，操刀"国联+民生"整合事 ...

人民财讯8月9日电，8月8日，国家金融监督管理总局披露，已同意无锡市国联发展(集团)有限公司(下 称"国联集团")受让红豆集团有限公司(下称"红豆集团")持有的锡商银行5亿股股份。受让后，国联集团 合计持有锡商银行5亿股股份，持股比例为25%。锡商银行由红豆集团等民营企业共同发起设立，于 2020年4月正式开业，是全国第19家、江苏省第2家民营银行。 ...