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民生银行济南分行以普惠金融“及时雨”浇灌实业沃土
Zhong Guo Jin Rong Xin Xi Wang· 2025-09-18 12:26
转自:新华财经 中国民生银行济南分行持续深化普惠金融服务,精准聚焦小微企业融资需求,不断加大对普惠小微企业 的融资支持力度,助力小微企业等市场主体高质量发展。 济南分行辖内临沂二级分行紧密围绕当地商贸物流、木业建材等特色产业集群的发展需求,坚决扛起普 惠金融的政治责任。临沂市英俊商贸有限公司十年来在民生银行的持续金融支持下,成为年销售额过3 亿、直营店过10家的龙头企业。临沂市亚宸木业有限公司在民生银行助力下,由单纯的国内销售逐渐转 向国内、国外双线循环发展之路。 近年来,临沂分行创新推出"民生惠信用贷、政采快贷、民生快贷、蜂巢计划"等授信产品,搭建了"抵 押+信用""线上+线下"的多元化产品体系,畅通小微企业金融供给,持续擦亮普惠金融"金字招牌"。截 至2025年8月末,该行普惠型小微企业贷款余额已达112亿元。(郭丽莉) 编辑:穆皓 ...
直击民生银行业绩交流会!不良率四连降,资负“量价质平衡”
券商中国· 2025-04-01 12:45
Core Viewpoint - Minsheng Bank has strengthened its balance sheet and enhanced its resilience to navigate through economic cycles, as highlighted by Chairman Gao Yingxin during the 2024 performance communication meeting [1]. Group 1: Financial Performance - Minsheng Bank's total assets reached 7.8 trillion yuan, indicating a positive operational trend [2]. - The net interest margin has stabilized, with a year-on-year decline of 7 basis points, but the rate of decline has narrowed [3]. - The bank's non-performing loan ratio stood at 1.47% at the end of last year, marking a four-year consecutive decline [3]. - The core Tier 1 capital adequacy ratio has increased from 9.17% in 2022 to 9.36% in 2024, reflecting effective capital management [3]. Group 2: Business Strategy - The bank aims to maintain its competitive edge in supply chain finance, which has seen significant growth, with a balance of 310.4 billion yuan and a 115% increase in core customer numbers [3][9]. - Minsheng Bank is focusing on small and medium-sized enterprises (SMEs) as a key business strategy, with SME loan balances nearing 1 trillion yuan and a compound annual growth rate of 20% over the past three years [8]. - The bank has implemented a comprehensive customer service model that includes account services, payment settlements, and credit services tailored to the lifecycle of clients [8]. Group 3: Retail Business Development - The bank's retail assets under management (AUM) approached 3 trillion yuan, with a year-on-year increase of 7.87% [12]. - The average cost of personal deposits decreased to 2.16%, down 11 basis points year-on-year, indicating improved cost management [12]. - The number of retail customers reached 130 million, with a growth rate of 5.99% [12]. Group 4: Supply Chain Finance - Minsheng Bank has established a diverse product system for supply chain finance, enhancing efficiency through digital solutions [10]. - The bank has shifted to a data-driven risk assessment model, utilizing transaction and logistics data for credit evaluations [10]. - A dedicated supply chain team has been formed to improve internal collaboration and service delivery [11]. Group 5: Future Outlook - The management expresses confidence in the bank's strategic transformation and its ability to enhance operational efficiency and customer service quality [16].