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江苏银行半年报出炉 再交亮眼答卷
Sou Hu Cai Jing· 2025-08-26 08:22
8月22日晚间,江苏银行发布2025年半年报。今年上半年,该行实现营收448.64亿元,同比增长7.78%, 实现归母净利润202.38亿元,同比增长8.05%。年化ROE为15.64%,年化ROA为0.96%。不良贷款率 0.84%,拨备覆盖率331.02%。在同业竞争加剧、经营压力延续的行业大背景下,江苏银行以积极争做 执行政策、遵从监管和市场表现"三好学生"的实干实绩,再次交出一份亮眼的半年度"成绩单"。让我们 透过这份半年报中的几组数字关键词,解读该行在高质量发展道路上的坚实步伐和核心密码。 "绿色金融"作为建设金融强国的"五篇大文章"之一,是支持经济和社会低碳绿色发展的重要工具。江苏 银行锚定打造"国内领先、国际有影响力"的绿色金融品牌这一目标,近年来在绿色金融领域持续深耕发 力、跑出发展加速度,该行于2023年当选"联合国环境署金融倡议组织(UNEPFI)银行理事会"中东亚 理事单位,成为入选理事会的唯一一家国内银行机构。半年报显示,截至6月末,江苏银行集团口径绿 色融资规模突破7200亿元,较上年末增长32.1%,绿色资产占比超16.4%,较上年末提升1.4个百分点。 营业收入448.64亿元, ...
江苏银行再交亮眼答卷,“三好学生”始终令人放心!江苏银行半年报出炉
21世纪经济报道· 2025-08-22 15:33
8月22日晚间,江苏银行发布2025年半年报。今年上半年,该行实现营收448.64亿元,同比增长 7.78%,实现归母净利润202.38亿元,同比增长8.05%。年化ROE为15.64%,年化ROA为0.96%。不 良贷款率0.84%,拨备覆盖率331.02%。在同业竞争加剧、经营压力延续的行业大背景下,江苏银行 以积极争做执行政策、遵从监管和市场表现"三好学生"的实干实绩,再次交出一份亮眼的半年度"成 绩单"。让我们透过这份半年报中的几组数字关键词,解读该行高质量发展道路上的坚实步伐和核心 密码。 营业收入448.64亿元 经营质态稳中有进 江 苏 银 行 半 年 报 显 示 , 截 至 2 0 2 5 年 6 月 末 , 该 行 资 产 总 额 4 . 7 9 万 亿 元 , 较 上 年 末 增 长 2 1 . 1 6%;各项存款余额2 . 5 4万亿元,较上年末增长2 0 . 2 2%,各项贷款余额2 . 4 3万亿元, 较上年末增长1 5 . 9 8%。上半年实现营业收入4 4 8 . 6 4亿元,同比增长7 . 7 8%,实现归母净利 润 2 0 2 . 3 8 亿 元 , 同 比 增 长 8 . ...
创新科技金融 创优实体经济
Xin Hua Ri Bao· 2025-07-15 06:20
Core Insights - Financial support is essential for technological and industrial innovation in Jiangsu Province [1] - Jiangsu's regional innovation capability has risen to second in the nation, with significant achievements in establishing key laboratories and technology transfer centers [2] - The financial system in Jiangsu is focusing on "technology finance" to enhance the integration of technology and industry [3] Financial Support for Innovation - Jiangsu's high-tech and specialized enterprises' loan balance is projected to exceed 2 trillion yuan by the end of 2024, accounting for over 10% of the national total [2] - The loan balance for these enterprises has grown by 26.03% year-on-year, significantly outpacing the average loan growth rate in the province [2] - Jiangsu has 114 companies listed on the Sci-Tech Innovation Board, representing one-fifth of the national total, with the highest number of new listings in the first half of the year [2] Development of "Patient Capital" - Jiangsu has established a 50 billion yuan strategic emerging industry mother fund and has launched 36 specialized funds to support technology innovation [4] - The province's financial asset investment companies have signed agreements totaling 70 billion yuan, focusing on strategic emerging industries [4] - In 2024, Jiangsu enterprises received 1,603 equity investments amounting to 81.8 billion yuan, representing 19% and 12.8% of the national totals, respectively [4] Policy Initiatives for Private Equity Investment - Jiangsu has introduced comprehensive measures to promote high-quality development in private equity investment, addressing industry challenges [5] - The province has seen over 700 listed companies, with 12 new listings in the first half of the year, primarily in strategic emerging industries [5] - A high-quality enterprise listing promotion group has been established to facilitate connections with major stock exchanges [6] Specialized Financial Services - Jiangsu has 2,215 specialized "little giant" enterprises, leading the nation, with diverse financial service needs [7] - The province offers over 100 technology credit products, including specialized loans for innovative enterprises [7] - By the end of the first quarter, 8,468 specialized enterprises received credit totaling 491.68 billion yuan [7] Regional Equity Market Development - Jiangsu is developing a regional equity market with a dedicated board for specialized enterprises, supporting a multi-tiered assistance system [8] - The specialized board has attracted 1,266 companies, including 86 "little giant" enterprises, facilitating financing of 7.745 billion yuan [8] - Jiangsu aims to create a globally influential industrial technology innovation center, enhancing financial services to support technological achievements [8]
省委金融办常务副主任巩海滨走进“在线访谈”节目创新科技金融 创优实体经济
Xin Hua Ri Bao· 2025-07-14 23:38
Core Viewpoint - Financial support is essential for technological and industrial innovation, as highlighted by the recent online interview with Jiangsu Provincial Financial Office's Executive Deputy Director Gong Haibin, focusing on high-quality technological finance empowering new productive forces. Group 1: Technological Innovation in Jiangsu - Jiangsu's regional innovation capability has risen to second in the nation, with 44 national key laboratories and 14 national advanced manufacturing industry clusters established [2] - The province has over 57,000 high-tech enterprises and more than 89,000 technology-based SMEs [2] - By the end of 2024, the loan balance for high-tech and specialized enterprises in Jiangsu is expected to exceed 2 trillion yuan, accounting for over 10% of the national total [2] - The loan balance for these enterprises has grown by 26.03% year-on-year, significantly outpacing the provincial average loan growth rate [2] - Jiangsu has 114 companies listed on the Sci-Tech Innovation Board, representing one-fifth of the national total, with three new listings in the first half of this year [2] Group 2: Financial Support Mechanisms - Jiangsu is enhancing its "technology finance" service system to facilitate a virtuous cycle between technology, industry, and finance [3] - A provincial-level mechanism for supporting technology enterprise financing has been established, along with a comprehensive policy package for financing technology enterprises [3] - The province is actively pursuing pilot projects for technology finance, including the establishment of a technology finance reform pilot zone in Nanjing [3] Group 3: Investment and Capital Market Development - Jiangsu has created a 50 billion yuan strategic emerging industry mother fund and has launched 36 specialized industry funds to support technology innovation [4] - The province's financial asset investment companies have signed agreements totaling 70 billion yuan, focusing on strategic emerging industries [4] - In 2024, Jiangsu enterprises received 1,603 equity investments totaling 81.8 billion yuan, accounting for 19% and 12.8% of the national totals, respectively [4] Group 4: Private Equity Investment Policies - Jiangsu has introduced comprehensive measures to promote high-quality development in private equity investment, addressing industry challenges [5] - The province has seen over 700 companies listed, accounting for about one-eighth of the national total, with 12 new listings in the first half of this year [5] Group 5: Enhancing Capital Market Access - Jiangsu has established a working group to promote high-quality enterprise listings and is actively engaging with major stock exchanges [6] - A resource pool for potential listed companies has been created, with over 400 enterprises included [6] Group 6: Specialized Financial Products - Jiangsu has over 100 technology credit products available, including specialized loans for high-tech enterprises [7] - The province has facilitated credit access for 8,468 specialized and innovative enterprises, amounting to 491.68 billion yuan in credit [7] Group 7: Regional Equity Market Development - Jiangsu is developing a regional equity market with a dedicated board for specialized and innovative enterprises, which has attracted 1,266 companies [8] - The specialized board has facilitated financing of 7.745 billion yuan for its listed companies [8] - Jiangsu aims to create a globally influential industrial technology innovation center, enhancing financial services to support technological achievements [8]
财政资金撬动普惠金融发展提质增效
Xin Hua Cai Jing· 2025-06-27 14:02
Group 1 - The central government has allocated special transfer payment funds to support the development of inclusive finance, significantly reducing the comprehensive financing costs for small and micro enterprises and alleviating their financing difficulties [1][2] - The entrepreneurship guarantee loan policy has been implemented to provide interest subsidies for loans applied by key employment groups and small micro enterprises, with the maximum loan limits set at 300,000 yuan for small enterprises and 20,000 yuan for individuals [2][3] - As of October 1, 2023, the maximum loan limits for personal entrepreneurship guarantee loans have been increased to 30,000 yuan and for small micro enterprises to 400,000 yuan, alongside a 50% interest subsidy [3] Group 2 - The Ministry of Finance has announced a list of 90 regions, including cities like Yangzhou and Shenzhen, that will receive central financial support for the development of inclusive finance demonstration zones by providing performance-based subsidies [4][5] - Financial institutions in these demonstration zones are encouraged to innovate financial products and services, enhancing mechanisms for risk compensation and information sharing to promote inclusive finance [4][5] - The performance-based subsidy distribution is structured into three tiers, with varying amounts allocated to different regions based on their performance rankings [5][6] Group 3 - The central government has provided targeted fee subsidies to rural financial institutions to enhance their services, particularly for small credit loans to farmers [9] - Eligible rural financial institutions must meet specific criteria, including a year-on-year increase in the average balance of small credit loans to farmers and a minimum loan-to-deposit ratio [9] - For example, in Ordos City, the implementation of targeted fee subsidies led to a significant increase in small credit loans, with a year-on-year growth of 9.8 times in 2024 [9] Group 4 - The use of fiscal funds for inclusive finance has alleviated the risk concerns of financial institutions when lending to small micro enterprises and key employment groups, while also lowering the barriers for these groups to access credit [10] - The collaboration between fiscal and monetary policies has enhanced the accessibility and inclusiveness of financial services, empowering financial institutions to better serve the market [10]
【私募调研记录】上海远策投资调研紫金银行
Zheng Quan Zhi Xing· 2025-06-13 00:10
Group 1: Core Insights - Shanghai Yuancai Investment has conducted research on Zijin Bank, focusing on its commitment to serving the real economy and supporting rural revitalization [1] - Zijin Bank has made significant progress in financial support for small and micro enterprises and inclusive finance, with a strategic focus on agriculture, small and medium enterprises, and urban-rural integration [1] - The bank has launched various micro-loan products, including "Tongshang e-loan," "Micro Enterprise Easy Loan," and "Settlement Easy Loan," to better serve small businesses [1] Group 2: Product Offerings - Zijin Bank has established a comprehensive agricultural loan product system, including "Jinling Huinong Small Loan," "Jinling Huinong Loan," "Huinong Quick Loan," and "Sunong Loan," to meet the diverse needs of farmers [1] - The bank is actively promoting the construction of rural convenience service points to enhance the level of inclusive financial services [1] Group 3: Company Overview - Yuancai Investment, founded in August 2009, is a well-known private equity management company specializing in secondary market stock investments, with a management scale exceeding 10 billion [2] - The company has a mature organizational structure, incentive mechanisms, risk control, compliance, and research framework, with a current active management scale of 7 billion [2] - The founder, Zhang Yichi, has extensive experience in fund management and has a proven track record in the industry, particularly in the pharmaceutical sector [2]
银行加快提升金融服务农业科技企业效能
Zheng Quan Ri Bao· 2025-05-18 14:15
Core Viewpoint - The implementation of the "Implementation Opinions" by seven departments, including the Ministry of Agriculture and Rural Affairs, aims to enhance the overall effectiveness of the agricultural science and technology innovation system, facilitating financial support for agricultural technology enterprises [1] Financial Support and Innovation - Financial institutions are encouraged to interact with agricultural technology enterprises through precise financial support, addressing funding shortages and promoting capacity expansion and technology transfer [1][2] - Agricultural Development Bank of China in Heilongjiang has issued a total of 125.63 billion yuan in agricultural technology loans since the beginning of the 14th Five-Year Plan, with 9.53 billion yuan allocated to key areas such as high-end agricultural machinery and digital agriculture this year [2] Challenges and Solutions - Financial institutions face challenges such as insufficient professional risk assessment and information asymmetry between banks and enterprises [2] - Recommendations include designing exclusive financial products for agricultural technology enterprises, enhancing support for technology transformation, and establishing a virtuous cycle between technology, industry, and finance [3] Enhancing Financial Service Efficiency - Financial institutions plan to deepen cooperation with government departments and research institutions, providing comprehensive support throughout the lifecycle of agricultural technology enterprises, including preferential interest rates [4] - The establishment of an agricultural technology enterprise database is proposed to improve risk assessment and service efficiency through a combination of online and offline service models [4] Innovative Financial Products - A pilot program for agricultural technology innovation points will link enterprise innovation scores to credit limits, offering interest rate discounts and credit support for high-scoring enterprises [5] - The integration of external experts into financial teams aims to enhance project evaluation capabilities and provide specialized training in cutting-edge agricultural technologies [6]
泗阳县构建现代化物流体系按下降本增效“快进键”
Xin Hua Ri Bao· 2025-04-28 21:47
Core Viewpoint - Siyang County is developing a comprehensive logistics model focusing on "multimodal transport" to reduce logistics costs and enhance efficiency, aiming to lower the social logistics cost as a percentage of GDP to 13.5% by 2024, a decrease of 2.1 percentage points from 2020 [1] Group 1: Logistics Network Development - Siyang County has established a "1+13+237" logistics service system, investing 3.8 million yuan to build a county-level distribution center that integrates resources from six express companies, achieving an average of 150,000 packages sorted and delivered daily [2] - The county has transformed eight rural passenger stations into comprehensive transport service stations, equipped with smart sorting devices, enabling a combination of express delivery, supermarkets, and financial services [2] - Rural logistics services now cover 100% of administrative villages, improving the timeliness of agricultural products reaching urban areas by 40% and reducing the cost of industrial goods reaching rural areas by 18% [2] Group 2: Water Transport and Multimodal Logistics - Siyang County is leveraging its geographical advantages to enhance multimodal transport, with 279 road logistics companies and 6 container shipping companies operating at Siyang Port [3] - The county has opened 8 domestic and 1 international container shipping routes, achieving an annual throughput of 12,000 TEUs and reducing logistics costs by 15% [3] Group 3: Smart Logistics and Operational Innovation - The introduction of JD Logistics' intelligent distribution system has led to a 30% improvement in logistics efficiency through digital management of the entire process [4] - The county promotes a "blockchain + traceability" model in rural logistics and has developed the "Siyang Quality Products" e-commerce platform to streamline the supply chain [4] - Customized supply chain solutions have been provided to companies like Tongkun New Materials, resulting in an 18% reduction in overall logistics costs [4] Group 4: Policy Support and Future Plans - Siyang County supports cold chain logistics and smart warehousing projects, offering subsidies for new container shipping routes and tax rebates for purchasing new energy vehicles [5] - A "white list" system for logistics companies has been established to expedite approval processes, reducing processing time to 3 working days [5] - The county aims to achieve over 30 billion yuan in logistics industry revenue by 2027, fostering five provincial-level key logistics enterprises and enhancing its role in the Yangtze River Delta integration [5]