在活动现场，主办方邀请了企业代表分享了他们的企业案例和实践经验。如，重庆弘凡芝圃生物科技有 限公司负责人龚艳敏分享了公司利用废弃桑枝条种植食药用菌的创新模式。通过"叶养蚕—枝种菇—渣 作肥—肥回园"的生态闭环产业链，公司不仅解决了废弃桑枝条的处理问题，还创造了显著的经济效益 和生态效益。"我们企业的优势就是原生态、绿色健康，就目前想要拓宽销量来说，与电商、互联网结 合是一个必然的发展趋势，但很现实的问题是，我们小微企业资金不是很充足的情况下，电商的大量投 入，对我们的负担就是比较重的。"龚艳敏在接受记者采访时表示，"包括专家讲的碳标签，我们有想 过，但是我不知道怎么去做。也没有充足的资金去做这个项目。" "如何在推进中国"3060双碳"目标和应对气候变化的同时，来增强中小微企业发展的韧性？我们需要什 么样的新流程、技术与商业模式，来显著的降低在此过程中的环境影响和资源消耗？"联合国开发计划 署驻华副代表James George在2025年联合国中小微企业日主题活动上提出了这样的问题。当前，在全球 经济向绿色、可持续方向转型的背景下，中小微企业作为经济的重要支柱，正面临着前所未有的机遇与 挑战。 绿色创新正在成 ...

本周关注点 机构调研要点 6月10日特定对象调研,线上调研,现场调研 截至2025年6月13日收盘，上海银行（601229）报收于10.4元，较上周的10.64元下跌2.26%。本周，上 海银行6月10日盘中最高价报10.78元。6月13日盘中最低价报10.37元。上海银行当前最新总市值1477.5 亿元，在城商行板块市值排名3/17，在两市A股市值排名84/5150。 问：上海银行2024年贷款和垫款不良余额和不良率实现"双降"，主要做了哪些努力？答：近三年我行不 良贷款率呈逐年下降态势，特别是2024年不良贷款率和不良贷款余额实现"双降"。一是加强不良生成管 控，2022年以来持续深化信用风险管理体系，不良资产生成率逐年下降。二是加大存量风险化解力度， 近三年每年化解规模都保持在200亿元以上。三是强化风险管理数字化转型，构建基于数据驱动的全面 和精准的风险管理体系。 问：当前银行业净息差可能继续承压，上海银行将如何应对？答：2025年预计货币政策保持稳健，市场 流动性合理充裕，随着市场利率和LPR下行，商业银行生息资产收益率将继续下降，净息差呈收窄趋 势。应对策略上，一是我行将持续推进资产负债结构改善。 ...

上市银行一季度业绩呈现明显分化。 近日，A股上市银行2025年一季报已披露完毕，综合各银行数据来看，有三大特点： 一是业绩同比下滑队伍有所扩大，多家大中型银行营收、净利同比"双降"，部分银行遭遇双位数下降， 净资产收益率仍维持收窄势头。 二是尽管多数中小银行业绩稳增，但净息差也与大中型银行保持下行趋势。 三是各大银行今年一季度在科技金融、绿色金融、普惠金融等实体经济和重点领域的贷款投放仍在增 加，资产质量持续向好，存款端也实现稳健增长。 10家上市银行营收、净利双降 截至4月30日，A股上市银行均已披露2025年一季报。数据显示，42家上市银行中，16家银行营业收入同比负 增长，12家银行净利润同比下降。其中10家上市银行营收和净利润双双同比下滑。 或受业绩不及预期因素影响，4月30日A股银行板块呈现明显跌幅，其中华夏银行当日下跌8.55%，工行、建 行、农行及招行当日跌幅均超3%。当日，仅浦发银行、民生银行等4只个股上涨，苏农银行平盘，其余37家上 市银行均有不同程度跌幅。 具体业绩上，华夏银行、厦门银行今年一季度营业收入分别同比下降17.73%和18.42%、归属于母公司股东净 利润分别同比下降14.04 ...

活动现场还设置签约环节，5家银行机构与6家民营企业完成现场签约，意向融资金额累计逾3亿元，主 要涉及企业综合授信和普惠金融贷款，涵盖智能终端、电子制造、跨境电商等多个外向型重点领域。 本次对接活动上，来自中国人民银行深圳市分行信贷政策管理处的有关负责人对4月初印发的《关于进 一步做好深圳金融服务民营经济高质量发展工作的通知》等政策文件进行了全方位解读，帮助企业深入 了解科技创新和技术改造再贷款政策，以及"腾飞贷""科技初创通""园区贷""深质贷"等金融创新模式， 用好跨境融资便利化试点、跨境人民币结算等金融特色服务，有效打通金融政策落地的"最后一公里"。 在路演环节，稞米科技、搜旅智慧、典声伟业、数十方等4家企业携融资项目登台路演，华先医药、远 信储能等10家企业也依次介绍了企业经营状况及融资需求。工商银行、大新银行、中国信保、同创伟业 等多家金融机构则根据各企业的实际情况现场"把脉开方"，提出了针对性的融资解决方案。 参加活动的多家企业表示，这次融资服务对接活动非常接地气，对企业来说是一场"及时雨"。相信有了 政府部门和金融机构的支持与帮助，民营企业将更有信心和能力开拓更加广阔的市场发展空间。多家金 融机构 ...

Financial Data and Key Indicators Changes - In 2024, the company's revenue increased by 0.66% year on year, while net profit grew by 0.12% year on year, achieving dual growth [4] - The growth in net profit was primarily due to reductions in risk costs and operating expenses, with impairment provisions and business management fees decreasing by 1.62% and 0.65% respectively [5] - The total assets surpassed RMB 10.5 trillion, with over 70,000 employees and more than 200 operational institutions [15] Business Line Data and Key Indicators Changes - The total number of retail clients reached 110 million, and corporate clients totaled 1.54 million, representing a 9.7% increase compared to the end of 2023 [6] - Wealth management retained a strong market position, with public fund AUM reaching RMB 347.5 billion, up 32.7%, and industrial trust AUM totaling RMB 4 billion, an increase of 118% [7] - The corporate banking closed-loop transaction number was USD 2.3 billion, up by 16% [24] Market Data and Key Indicators Changes - The deposit interest payment rate decreased to 1.98%, down 26 basis points, while the corporate deposit interest payment rate was 1.93%, down by 30 basis points [6] - The low-cost interbank exceeded RMB 800 billion, marking a 20% increase [6] - The company anticipates a further decline in the deposit interest ratio by 24 basis points in 2025 [25] Company Strategy and Development Direction - The company aims to enhance its digital transformation and operational efficiency, focusing on technology finance and aligning with national financial reforms [3][4] - The strategy includes building a wealth management and asset management working team to enhance coordination and drive revenue growth [13] - The company is committed to becoming a value-driven bank, emphasizing strong profitability, deep client collaboration, and low risk costs [4] Management's Comments on Operating Environment and Future Outlook - The management acknowledged the challenges posed by the current economic environment, including weak demand and corporate solvency issues, but expressed confidence in outperforming the market [28][30] - The management highlighted the importance of adapting to changes in the real estate sector and maintaining a balanced approach to risk management [20][22] - The company is focused on enhancing its retail banking business and expects to achieve greater results over the next three years [70] Other Important Information - The company has established a digital operation center to improve client service capabilities and enhance precision marketing [8] - The management emphasized the importance of standardization in data and operational processes to improve efficiency [49][50] - The dividend payout ratio surpassed 30% last year, reflecting the company's commitment to providing returns to investors [73] Q&A Session Summary Question: What is the outlook for technology finance loans and credit loan placement in 2025? - The management highlighted that technology finance loans have surpassed RMB 960 billion with a low NPL ratio of 0.77%, indicating strong growth potential [34] - The company plans to focus on qualitative improvements in credit loan placement, with an emphasis on green finance and inclusive finance [34] Question: How will the company approach AI empowerment in the future? - The Chief Information Officer stated that the company is actively deploying AI strategies to enhance financial innovation and improve service capabilities [60][64] Question: Will the company maintain its dividend payout ratio trend? - The Chairman confirmed that the company is committed to sustaining a dividend payout ratio above 30% and aims to grow together with investors [73]