消费，一头连着千行百业，一头连着千家万户，事关国计民生，既是推动经济高质量发展的重要引擎，也是实现人民美好生活的关键要义。支持提振消费、 扩大内需，是金融服务实体经济的重要内容。作为重庆市资产规模最大、从业人员最多、服务网络最广的地方金融机构——重庆农村商业银行（以下简 称"重庆农商行"）在国家金融监督管理总局重庆监管局的指导下，认真践行金融工作的政治性和人民性，持续强化覆盖消费全领域的综合金融服务，扎实推 进金融产品及服务创新，助力提振消费、扩大内需。 "十五五"开局之年，消费作为拉动经济增长的"主引擎"作用进一步强化。为积极响应国家关于促进消费、服务新发展格局的部署要求，全面激发市场活力， 增强民生福祉，重庆农商行全面构建"数字驱动、产业链动、场景圈动"三种新动能，依托场景化、生态化新金融服务模式，积极打造促消费场景品牌"渝快 荟"，将其作为构建社区金融生态的核心抓手，并于2026年1月1日起在全市范围内举办"渝快荟消费节"，通过丰富多彩的主题活动和实实在在的优惠力度， 促消费、惠民生，以实际行动为提振区域消费、推动经济高质量发展注入强劲金融动能。 聚合商户资源，助力消费市场"热力升腾" 澄澈晴空与北仓标 ...

Core Viewpoint - The financial performance of Chongqing Rural Commercial Bank (渝农商行) in the first three quarters of 2025 shows a slowdown in revenue growth compared to local peers, raising concerns about its operational outlook [2][3]. Financial Performance - For Q3 2025, the bank reported operating revenue of 6,916.9 million, a year-on-year increase of 1.10%, and a net profit of 3,078.0 million, up 2.14% [1]. - For the first nine months of 2025, the bank's operating revenue reached 21,657.7 million, reflecting a growth of 0.67%, while the net profit was 10,924.9 million, an increase of 3.32% [1][3]. - Interest income for the first three quarters was 347.59 million, down 6.49%, while interest expenses decreased by 9.62% to 169.09 million, indicating that the growth in net interest income was primarily due to reduced expenses rather than increased income [4]. Comparison with Peers - Chongqing Rural Commercial Bank's revenue growth is significantly lagging behind that of Chongqing Bank, which reported a 10.40% increase in revenue for the same period [2]. Investment Income - The bank's investment income for the first three quarters was 34.95 million, down 8.10%, contrasting with many domestic banks that reported substantial increases in investment income [4]. Cost Management - The bank's business and management expenses for the first three quarters were 58.92 million, a year-on-year increase of 1.84%, with other general and administrative expenses decreasing by 9.17% [5]. Asset Quality - As of Q3 2025, the bank's non-performing loan balance was 87.11 million, an increase of 2.92 million from the end of 2024, with a non-performing loan ratio of 1.12%, down 0.06 percentage points [5]. Leadership Changes - The bank has experienced significant leadership changes, with the chairman resigning in October 2024 and the current acting chairman, Sui Jun, serving in this role for nearly a year, which exceeds the regulatory limit of six months for acting positions [7][9][10].