证券日报网12月19日讯紫金银行（601860）在12月15日回答调研者提问时表示，公司贷款投放紧密围绕 金融"五篇大文章"，聚焦科技金融、绿色金融、普惠金融、养老金融和数字金融等领域，持续优化信贷 结构，坚持做小做散，不断提升对普惠小微客户的支持力度，强化实体经济服务质效，为地方经济和社 会发展提供优质金融服务。 ...

中国发展走到今天，发展和改革高度融合，发展前进一步就需要改革前进一步，改革不断前进也能为发 展提供强劲动力。解决我国发展所面临的一切问题，关键在于深化改革。党的十八大以来，以习近平同 志为核心的党中央以更大的政治勇气和智慧，不失时机地深化重要领域改革，坚决破除一切妨碍科学发 展的思想观念和体制机制弊端；通过全面深化改革，着力解决我国发展面临的一系列突出矛盾和问题， 不断推进中国特色社会主义制度自我完善和发展，构建系统完备、科学规范、运行有效的制度体系。 当前，我国社会主义市场经济体制已经初步建立，市场化程度大幅度提高，对市场规律的认识和驾驭能 力不断提升。从党的十八大提出"更大程度更广范围发挥市场在资源配置中的基础性作用"，到党的十八 届三中全会把市场经济资源配置中的"基础性作用"修改为"决定性作用"，表明了我们党对社会主义市场 经济一般规律的深刻认识。党的十九届三中全会站在新的起点谋划和推进改革，对深化党和国家机构改 革作出全面规划和系统部署，为新时代坚持和发展中国特色社会主义、推动社会主义制度自我完善和发 展迈出了重要一步。 围绕党的中心任务谋划和部署改革，是我们党领导改革开放的成功经验。党的二十届三中全 ...

锚定高质量发展 为"十五五"开好局谋划路径 中央经济工作会议对2026年经济工作的系统部署，为保险行业高质量发展指明方向。各保险公司立足自 身定位，将会议精神转化为具体发展路径。 平安集团总经理、联席CEO谢永林表示，本次会议为扎实做好明年经济工作、实现"十五五"良好开局作 出系统部署。作为中国金融企业的重要代表之一，中国平安将全面学习贯彻中央经济工作会议精神，坚 持稳中求进、深化创新，进一步做好金融"五篇大文章"，推动公司长期、可持续的高质量发展。 "展望2026年，我国经济基础稳、优势多、韧性强、潜能大，经济长期向好的支撑条件和基本趋势没有 改变。公司将自身发展融入国家战略，持续深化'综合金融+医疗养老'双轮并行、科技驱动战略，以实 际行动助力金融强国建设、民族复兴伟业，奋力谱写中国式现代化的绚丽新篇章。"谢永林表示。 中国信保在党委会议中表示，要更好支持高水平对外开放。充分发挥逆周期调节作用，努力为我国外贸 量稳质升多做贡献。要高质量服务共建"一带一路"，统筹抓好重大标志性工程和"小而美"惠民生项目。 要持续提升服务实体经济质效。做精做实金融"五篇大文章"，加力支持科技创新、中小微企业等重点领 域，不断 ...

Core Viewpoint - The Guangdong Provincial Party Committee has officially released the "Suggestions for Formulating the 15th Five-Year Plan for National Economic and Social Development," emphasizing the strategic importance of finance as a core engine for driving technological self-reliance and leading the development of new productive forces over the next five years [1][4]. Group 1: Financial Integration in Technological Development - The plan highlights the deep integration of finance into the construction of a strong technological province, proposing a comprehensive innovation chain that includes "basic research + technological breakthroughs + results transformation + technology finance + talent support" [4]. - Guangdong aims to build an innovative entrepreneurial investment and financing system, cultivate high-quality venture capital institutions, and promote long-term and patient capital to guide social capital towards early, small, long-term, and hard technology investments [4]. Group 2: Systematic Deployment for Financial Strength - The plan systematically outlines the development of "five major areas" in finance: technology finance, green finance, inclusive finance, pension finance, and digital finance [4]. - Specific measures include encouraging national financial institutions to increase resource allocation, deepening strategic cooperation with large domestic and foreign financial institutions, and enhancing the strength of provincial financial leading enterprises [4]. Group 3: Capital Market Development - The document emphasizes the promotion of high-quality development of multi-level capital markets, advocating for direct financing through equity and debt, and the steady development of futures, derivatives, and asset securitization [4]. - Support will be provided to strengthen the Shenzhen Stock Exchange and Guangzhou Futures Exchange, solidifying Guangdong's foundation as a financial hub [4]. Group 4: International Financial Hub and Risk Management - As a frontier of reform and opening up, Guangdong places significant emphasis on establishing the Guangdong-Hong Kong-Macao Greater Bay Area as an international financial hub, supporting Hong Kong's status as an international financial center and promoting connectivity with the financial markets of Hong Kong and Macao [5]. - The plan also stresses the importance of preventing and mitigating financial risks, particularly in real estate and small financial institutions, while ensuring the coordination of fiscal, financial, and state-owned asset policies [5].

Group 1: Core Perspectives - The "14th Five-Year Plan" emphasizes accelerating the construction of a financial powerhouse, with a focus on the effective implementation of key areas such as technology finance and green finance [1][2] - The financial sector's strength is not only measured by its own prosperity but by its ability to efficiently serve critical development areas outlined in the "14th Five-Year Plan," including industrial development, technological innovation, and rural revitalization [2][3] Group 2: Policy Analysis - The "14th Five-Year Plan" provides fundamental guidelines for financial work, including the development of technology finance, green finance, and enhancing the adaptability of capital market systems [2][3] - Financial services must align with the strategic goals of the "14th Five-Year Plan," ensuring that financial resources are effectively injected into key areas of national development [2] Group 3: Industry Practices - Recent efforts in financial management have led to positive outcomes in areas such as credit, bond, and equity market reforms, although challenges remain in the adaptability and sustainability of financial services [3][4] - The current financing structure in China is predominantly indirect, which poses challenges for supporting technological innovation; direct financing needs to be expanded to meet the demands of tech enterprises [3] Group 4: Risk Control Framework - The development of green finance faces challenges in converting social externalities into economic effects, with current measures like carbon markets needing broader application and more flexible policies [4] - Middle-sized banks must enhance their specialized capabilities to meet the complex and diverse needs of clients in technology innovation and green finance [5][6] Group 5: Digital Transformation - Banks are urged to accelerate digital transformation while prioritizing the enhancement of risk management capabilities to effectively address the risks associated with emerging business models [8][9] - A focus on first repayment sources and the development of a risk pricing mechanism based on customer value is essential for improving risk management in new economic sectors [9]

新任副行长陈雷来自另外一家总部在上海的银行——浦发银行。他曾任浦发银行总行团委书记、上海自贸试验区分行党委委员、副 行长；浦发银行天津分行党委委员、纪委书记、副行长；浦发银行上海分行党委委员、副行长；浦发银行宁波分行党委书记、行 长；浦发银行总行零售业务部（消费者权益保护部）总经理、总行直属党委委员等职务。 陈雷的副行长的任命早在今年8月就已经在上海银行董事会会议上审议通过。近期他也以拟任副行长的身份参与了养老金融、乡村振 兴等主题的活动。 三季报显示，上海银行前三季度实现营业收入411.40亿元，同比增长4.04%；实现归属于母公司股东的净利润180.75亿元，同比增长 2.77%。 上海银行零售业务以养老为特色。三季度末，零售客户2,150.33万户，管理零售客户综合资产（AUM）10,781.45亿元，较上年末增 长5.50%；其中长尾客群AUM较上年末增长504.81亿元，增幅32.18%。其中，管理养老金客户AUM5,235.89亿元，较上年末增长 12月5日，上海银行密集发布两条人事变动公告。公告显示，国家金融监督管理总局上海监管局已核准陈雷上海银行副行长的任职资 格；此外，上海银行董事顾金山因年 ...

Group 1: Core Insights - The external environment for commercial banks is increasingly complex, with geopolitical tensions, technological revolutions, and deepening regulations posing new challenges to strategic resilience and governance capabilities [2][35] - The board of directors is crucial in leading banks to proactively transform and adapt to changes, shifting from passive defense to active positioning and from compliance to value creation [2][35] Group 2: Organizational Structure - Digital technologies such as AI, big data, and blockchain are reshaping the financial landscape, pushing banks towards intelligent, inclusive, and globalized operations [3][36] - The article discusses the need for banks to reassess their organizational structures to adapt to the competitive environment of the digital age, focusing on how to break down departmental silos and enhance strategic collaboration [3][37] Group 3: Business Development - The banking industry is experiencing a significant shift from a "scale-oriented" approach to "value reconstruction," driven by narrowing net interest margins and intense competition [8][42] - The article outlines how banks can leverage dual forces of financial digital ecosystems and industry terminal scenarios to drive transformation, providing actionable business layout and innovation directions [8][42] Group 4: Risk Management - Commercial banks are facing a new normal where external risks outweigh internal risks, necessitating a shift from traditional passive risk management to a more proactive and systematic risk governance model [15][49] - The article emphasizes the importance of integrating strategic execution with risk appetite to ensure banks maintain the correct direction in dynamic environments [15][49] Group 5: Compliance Management - Compliance management has evolved from merely meeting regulatory requirements to becoming a core competitive advantage that supports long-term value growth [21][55] - The article provides a framework for compliance transformation, emphasizing the need for boards to lead the redefinition of compliance functions to adapt to changing environments [21][56] Group 6: Internal Audit - Traditional internal audit models are challenged by rapid technological advancements and regulatory changes, necessitating a shift towards agile auditing that provides real-time insights and strategic support [28][62] - The article outlines how agile auditing can transform internal audit functions from compliance overseers to strategic partners that enhance risk management and value creation [28][62]

Core Insights - The report highlights 2025 as a pivotal year for China's banking industry, emphasizing the historical achievements during the "14th Five-Year Plan" and the high-quality development of the financial sector amidst internal and external challenges [1] - The report, guided by the Southern Finance and Economics Media Group and published by the 21st Century Economic Report, aims to analyze the opportunities and challenges faced by the banking industry at the intersection of macroeconomic transformation and global financial changes [1] Section Summaries Section 1: Overall Situation of High-Quality Development - The first part focuses on the overall state of high-quality development in China's banking industry, addressing uncertainties and showcasing the resilience of banks in navigating complex environments [2] Section 2: Competitiveness Ranking of Chinese Banks - The core content of the report presents the "Top 100 Competitiveness Rankings of Chinese Banks (2025)," based on four key indicators: scale, profitability, stability, and growth, derived from the 2024 annual reports of commercial banks [2] - The main ranking is complemented by three sub-rankings: "Top 100 Banks by Scale," "Top 100 Banks by Profitability," and "Top 100 Banks by Growth," focusing on total assets, total liabilities, operating income, ROA, revenue growth rate, and other critical metrics [2] Section 3: Five Major Areas of Development - The report covers five key areas: technology finance, digital finance, pension finance, green finance, and inclusive finance, detailing advancements such as the upgrade of technology finance structures in major banks and the rapid growth of technology loans in small and medium-sized banks [3] - It also discusses the impact of AI on digital competitiveness, the maturation of pension finance, the entry of five banks into the "trillion club" for green credit, and the differentiated services in inclusive finance, providing a comprehensive view of future development pathways for the industry [3]

Core Viewpoint - The article emphasizes the importance of finance as the lifeblood of the real economy and highlights China's commitment to a unique financial development path, focusing on optimizing financial resource allocation and advancing five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [1]. Group 1: Financial Development Themes - The "21st Century Financial Annual Conference" was held in Beijing, focusing on the theme "Reshaping Financial Resilience and Navigating Interest Rate Cycles" [1]. - The conference gathered representatives from financial regulatory bodies, experts, and industry leaders to discuss key issues related to high-quality financial development, including policy interpretation, innovative pathways, and risk prevention [1]. Group 2: Economic Transition - The article notes a significant shift in China's economic growth logic, moving from the traditional "real estate - finance - local government infrastructure" cycle to a new cycle centered around "technology - finance - industry" [4].

Core Insights - The "2025 China Banking Industry Competitiveness Research Report" focuses on the high-quality development of the banking sector amid macroeconomic transformation and global financial changes, providing a professional and authoritative reference for understanding the industry's competitiveness [1][3]. Group 1: Overall Industry Trends - The report highlights the resilience of the Chinese banking industry, noting that by 2025, global economic growth will exhibit a "fragmented" characteristic, with increasing external uncertainties due to diverging central bank policies [1]. - Despite challenges such as insufficient effective demand, the domestic economy is expected to remain stable, with signs of stabilization in the net interest margin of listed banks and a rapid recovery in non-interest income [1]. - The financial regulatory framework is being enhanced under the guiding principles of "risk prevention, strong regulation, and promoting development," establishing a solid institutional foundation for the industry's steady growth [1]. Group 2: Competitiveness Rankings - The report includes a comprehensive ranking of the top 100 banks in China for 2025, based on four key indicators: scale, profitability, stability, and growth [2]. - The core ranking, "China Banking Industry Competitiveness Top 100," is supported by sub-rankings for scale, profitability, and growth, which assess banks based on total assets, total liabilities, operating income, ROA, and other critical metrics [2]. - The growth sub-ranking evaluates banks on revenue growth rate, core tier one capital adequacy ratio, and cost-to-income ratio, providing a multidimensional view of their growth capabilities [2]. Group 3: Sectoral Developments - The report covers five key areas: fintech, digital finance, pension finance, green finance, and inclusive finance, showcasing various advancements and practices within these sectors [3]. - It notes significant developments such as the upgrade of technology financial organizational structures in major banks, rapid growth in technology loans by small and medium-sized banks, and the entry of five banks into the "trillion club" for green credit [3]. - The report emphasizes the importance of high-quality development as a mainline for the banking industry to explore its core competitiveness in a complex environment [3].