日前，江苏证监局披露，该局对江苏江阴农商行、无锡农商行、江南农商行的基金销售业务进行了现场检查，经查，三家农商行的基金销售业务存在制度建设、 内部控制和风险管理以及信息报送等方面的问题。 其中，上述部分银行的基金销售相关人员存在未取得基金从业资格的情况。 江苏证监局对无锡农商行和江阴 农商行 出具了警示函，对江南农商行采取责令改正的行政监督管理措施，要求上述三家农商行针对相关问题进行整改，并在30日 内提交书面整改报告。 | | | O | | | --- | --- | --- | --- | | (0) 政府信息 公开指南 | 当前位置：证券经营机构监管 | | | | | 序号 标题 | 文号 | 发文日期 | | 政府信息 公开制度 | 江苏证监局关于对江苏江阴农村商业银行股份 有限公司采取出具警示函监管措施的决定 | 〔2025〕 87号 | 2025-06-27 | | 政府信息 公开年度报告 | 江苏证监局关于对无锡农村商业银行股份有限 2 公司采取出具警示函监管措施的决定 | 〔2025〕 86号 | 2025-06-27 | | 官 主动公开 | 江苏证监局关于对江苏江南农村商业银行股份 3 ...

中国基金报记者 天心 继民商基金遭多家基金公司终止基金代销合作后，又有基金公司官宣与大华银行（中国）有限公司终止代销业务。 今年2月，大华银行（中国）宣布，基于战略性业务调整需要，与富邦华一银行签署协议，将向其转让该行的个人业务，也不再从事基金代销业务。 业内人士分析，基金销售市场加速优胜劣汰，未来或迎来从"销量导向"向"投资者盈利导向"的转型。 基金公司官宣终止与大华银行（中国）代销业务 6月13日，上海东方证券资产管理有限公司发布公告称，经与大华银行（中国）有限公司协商一致，决定自2025年6月13日(含)起，双方终止基金代销业务 合作关系，即自2025年6月13日（含）起停止大华银行办理本公司旗下基金的相关销售业务。本公司旗下基金在大华银行已无保有份额，投资者将无法通 过大华银行办理本公司旗下基金的开户、认购、申购、定期定额投资、转换等业务，大华银行原存量基金份额持有人已转至本公司直销平台进行后续维护 服务。 6月12日，平安基金也发布公告称，自6月13日起终止与大华银行（中国）有限公司的相关销售业务的合作，同时不再受理通过大华银行办理本公司旗下基 金的相关销售业务，投资者将无法通过大华银行办理本公司基 ...

江南时报讯 今年以来，滨海农商银行紧扣"做小做散"战略定位，以深耕本土市场为核心，通过构建"走 访—共建—考核—队伍—联动"五位一体发展体系，全面激发业务增长动能，持续提升区域金融服务质 效。 构建常态化走访机制，夯实客户服务根基 完善导向化绩效考核，激发队伍内生动力 推行精细化考核制度，重点强化流失客户挽回与客户流失率双项考核，同步实施每日营销过程管控，确 保业务推进全程可量化、可追踪。 建立领导班子常态化走访制度，围绕县部委办局、重点企业等核心合作单位，制定高频次走访计划，每 周不少于1次。通过面对面沟通，精准捕捉客户需求，为定制化金融服务方案提供依据，以深度服务推 动业务合作，为后续业务拓展筑牢基础。 深化体系化银社共建，拓展城区服务网络 优化考核权重结构，将零售业务考核权重提升至65%，其中贷款日均项目实行"上不封顶"激励机制，鼓 励员工积极拓展业务规模。除基础贷款计价外，增设超额完成奖励、同业贷款竞争奖励及异地权证办理 专项奖励，通过多元激励模式，充分调动员工营销积极性，显著提升客户维护与拓展效能。截至目前， 已成功挽回流失客户718户、金额1.19亿元。 完成城区26个服务社区网格划分，全面开展" ...

Core Viewpoint - Chengdu Bank's 2024 annual report highlights significant growth, with total assets exceeding 1.25 trillion yuan and a net profit increase of 10.17%, marking it as a key player in the financial sector of the Chengdu-Chongqing economic circle [1][8]. Group 1: Regional Economic Collaboration - Chengdu Bank is positioned as a "new engine" for regional finance, leading in new deposit and loan scales among financial institutions in Sichuan, and supporting major infrastructure and livelihood projects [2][3]. - The bank has actively engaged in financing significant projects, including a tailored asset-backed commercial paper for Huaxi Group, unlocking nearly 1 billion yuan in receivables [3]. - The bank's services extend to major infrastructure projects, ensuring comprehensive financial support for key industries and achieving 100% coverage of financial services for regional industrial chains [3][4]. Group 2: Retail Transformation - Chengdu Bank has shifted focus to retail banking, with personal deposits surpassing 400 billion yuan and leading in personal loan growth within the region [5]. - The bank's retail strategy emphasizes customer-centric services, including tailored offerings for elderly clients, resulting in a significant increase in service accessibility [5][6]. - The bank has developed a chain service system for corporate clients, enhancing financial management solutions and expanding its wealth management services [6]. Group 3: Financial Technology Development - Chengdu Bank is enhancing its digital capabilities through significant investments in technology, including upgrades to its bill business system and internet loan services [7]. - The bank's technology-driven approach has led to a high coverage rate of financial services for specialized small and medium enterprises, supporting their growth [7]. - The introduction of AI models for risk management has improved the bank's asset quality, with a decrease in non-performing loan rates and a high provision coverage ratio [7]. Group 4: Strategic Goals and Future Outlook - Chengdu Bank aims to build a partnership-based relationship with clients, focusing on long-term growth and alignment with regional development [8]. - The bank plans to deepen its engagement in the Chengdu-Chongqing economic circle, contributing to the prosperity of the regional financial ecosystem [8].

"聚焦主责主业，探索更加契合城市商业银行发展规律的经营 模式，坚持走'想明白的路'。"成都银行董事长王晖在年报致 辞中谈到："我们致力于减少影响价值创造的'内卷'行为，以 专注、创新与勤勉，在周期跌宕中铸就'成行信念'"……这些 或可一窥成都银行绩优的"密码"。 作者：程诚 封图：图片资料室 年报季临近尾声，各家城商行2024年年报陆续出炉。作为中西部规模、业绩领先的城商行，成都 银行(601838.SH) 再次凸显绩优股底色。该行4月28日晚披露的年报显示，至2024年末该行资产总 额突破1.25万亿元，全年营收、净利润均保持较快速度增长。 2024年，商业银行面临净息差收窄趋势，资产质量承压，外部环境变化亦带来多重挑战。在此背 景下，成都银行主动融入战略大局，在服务区域经济发展中发挥自身优势，在延续近年来高质量增 长的同时，不良贷款率九年连降至0.66%，资产质量保持行业优等。 "聚焦主责主业，探索更加契合城市商业银行发展规律的经营模式，坚持走'想明白的路'。"成都银 行董事长王晖在年报致辞中谈到："我们致力于减少影响价值创造的'内卷'行为，以专注、创新与 勤勉，在周期跌宕中铸就'成行信念'"……这些或可 ...

Core Viewpoint - Chengdu Bank demonstrates strong performance as a leading city commercial bank in the central and western regions of China, with significant growth in total assets, revenue, and net profit for 2024, despite challenges in the banking sector [1][2]. Financial Performance - As of the end of 2024, Chengdu Bank's total assets reached 1.25 trillion yuan, an increase of 158.9 billion yuan, or 14.56%, compared to the beginning of the year [2] - The bank's operating income for 2024 was 22.982 billion yuan, a year-on-year increase of 5.89%, while net profit attributable to shareholders was 12.858 billion yuan, up 10.17% [2] - The bank's non-performing loan ratio decreased to 0.66%, maintaining a leading position in the industry [3] Strategic Focus - Chengdu Bank emphasizes quality and efficiency, risk and return coordination, and dynamic balance between total volume and structure in its operations [2] - The bank is committed to reducing internal competition and focusing on innovation and diligence to enhance value creation [1] Transformation Initiatives - The bank is pursuing three major transformations: large retail, digitalization, and precision management, to adapt to changes in the banking environment [4][5][6] - In large retail, the bank expanded its customer base to over 10 million and achieved a record increase in savings deposits [4] - Digital transformation efforts include the implementation of a management platform and automation tools to enhance operational efficiency [5] - Precision management focuses on industry research to improve marketing and risk control, leading to better business quality [6] Regional Economic Integration - Chengdu Bank integrates its development with national strategies, focusing on the Chengdu-Chongqing economic circle and supporting key projects in urban construction and major industries [7][8] - The bank has provided financing for significant projects in various sectors, including intelligent manufacturing and biotechnology [7] Cross-Border Financial Services - The bank supports cross-border financial services, enhancing the efficiency of enterprises' capital turnover and promoting international business capabilities [8][9] - As of the end of 2024, the bank's "Free Trade通" financial service has supported 101 enterprises in cross-border transactions totaling 569 million USD [9]

Core Viewpoint - In Q1 2025, the company reported strong revenue growth driven by high performance in brokerage and margin financing businesses, alongside a stable position in fund distribution [1][2]. Financial Performance - The company achieved total revenue of 3.49 billion yuan, a year-on-year increase of 42%, and a net profit attributable to shareholders of 2.72 billion yuan, up 39% year-on-year [1]. - The weighted average ROE (unannualized) for Q1 2025 was 3.31%, an increase of 0.62 percentage points year-on-year [1]. - Revenue breakdown for Q1 2025 included: - Fund distribution revenue: 0.81 billion yuan (+8.0% YoY) - Net interest income from margin financing: 0.72 billion yuan (+37.3% YoY) - Commission income from brokerage: 1.96 billion yuan (+65.6% YoY) [1]. Cost Management - The company maintained effective cost control with management and R&D expenses at 0.59 billion yuan (+5.6% YoY) and 0.25 billion yuan (-12.6% YoY), respectively [1]. - Management expense ratio and R&D expense ratio were 17.0% and 7.1%, showing decreases of 5.86 and 4.45 percentage points year-on-year [1]. Investment and Market Position - Total assets reached 331.5 billion yuan, an increase of 8.2% from the end of 2024, with net assets at 83.3 billion yuan (+3.2%) [2]. - The company’s investment leverage increased to 1.16x, up 0.25x from the end of 2024 [2]. - Investment income (including exchange gains) was 0.70 billion yuan, down 14.0% year-on-year, primarily due to bond market fluctuations [2]. - The company’s brokerage commission income was 1.96 billion yuan, reflecting a 66% year-on-year increase, while the market's stock fund average daily trading (ADT) grew by 72% [2]. - The margin financing business saw an increase in funds lent to 61.0 billion yuan (+3.7% from the end of 2024), with a market share of 3.18%, up 0.02 percentage points [2]. Investment Outlook - As a leading fintech company, the firm is expected to benefit from the trend of household deposits moving, with a strong recommendation for investment [3]. - Projected net profits for 2025-2027 are 11.04 billion yuan, 12.35 billion yuan, and 13.72 billion yuan, representing year-on-year growth of 15%, 12%, and 11%, respectively [3]. - The current closing price corresponds to a dynamic PE of 30x, 26x, and 24x for 2025-2027 [3].