报告还显示，城商行不断完善服务渠道，针对城乡居民提供多样化金融产品和服务，更好满足人民群众 金融需求。同时，城商行大力支持中小企业发展，持续提高金融服务的覆盖率、可得性、满意度。 （文章来源：人民日报） 中国银行业协会城市商业银行工作委员会17日发布《城市商业银行30年发展报告》。报告显示，截至 2024年末，我国城商行资产规模60.15万亿元，较1995年增长134倍，占银行业金融机构比例为13.53%， 市场份额提升8.24个百分点；共有12家城商行资产规模超万亿元，5家城商行入选我国系统重要性银 行；城商行不良贷款率1.76%，拨备覆盖率188.08%，资本充足率12.97%。 ...

Core Insights - The asset scale of urban commercial banks in China has surpassed 60 trillion yuan, reaching 60.15 trillion yuan by the end of 2024, marking a 134-fold increase since 1995 and accounting for 13.53% of the total assets of banking financial institutions [1][2] Development of Urban Commercial Banks - Urban commercial banks have evolved over 30 years, becoming a crucial part of China's multi-tiered financial system, with stable profitability and improving asset quality [2] - Key financial metrics include a non-performing loan ratio of 1.76%, a provision coverage ratio of 188.08%, and a capital adequacy ratio of 12.97% [2] - There are 12 urban commercial banks with assets exceeding 1 trillion yuan, and 5 of them are classified as systemically important banks [2] Market Position and Performance - Among the 17 urban commercial banks listed on the A-share market, Jiangsu Bank, Ningbo Bank, and Shanghai Bank have the highest market capitalizations, with Jiangsu Bank nearing 200 billion yuan [4][5] - Jiangsu Bank and Beijing Bank both have asset scales of approximately 4.9 trillion yuan, while Ningbo Bank and Shanghai Bank exceed 3 trillion yuan [4][5] Strategic Focus - Urban commercial banks have focused on serving urban and rural residents, small and medium-sized enterprises, and local economies, enhancing their service channels and offering diverse financial products [2][3] - They have aligned their financial resources with high-quality development strategies and key sectors, exploring differentiated and specialized development paths [3]

1995年，国务院决定在城市信用社基础上组建城市合作银行，1998年城市合作银行统一更名为"城市商 业银行"。经过30年的发展，城商行资产规模快速增长，盈利能力保持稳定，资产质量持续改善，资本 充足率稳定，流动性覆盖率稳步提升，主要经营指标保持良好。截至2024年末，城商行资产规模60.15 万亿元，较1995年增长134倍，占银行业金融机构比例为13.53%，市场份额提升8.24个百分点，不良贷 款率1.76%，拨备覆盖率188.08%，资本充足率12.97%，共有12家城商行资产规模过万亿元，5家城商行 入选我国系统重要性银行。 《报告》指出，在经营管理方面，30年来，伴随着我国经济的快速发展，城商行坚守"服务城乡居民、 服务中小企业、服务地方经济"定位，在资产负债规模快速增长的同时，城商行发挥地缘、人缘优势， 从社保、医疗、教育、住房公积金等民生领域起步，不断完善服务渠道，针对城乡居民提供多样化金融 产品和服务，更好满足人民群众金融需求。城商行大力支持中小企业发展，持续提高金融服务的覆盖 率、可得性、满意度，成为支持中小企业发展中一支重要的金融力量。城商行植根地方，围绕区域经济 建设重点、产业发展特点， ...

11月17日，中国银行业协会发布《城市商业银行30年发展报告》。报告指出，30年来，通过组建改制、 合并重组、上市融资、经营拓维、改革转型、高质量发展等举措，城商行实现从小到大、从粗放式发展 到精细化经营的转变。 1995年，国务院决定在城市信用社基础上组建城市合作银行，1998年城市合作银行统一更名为"城市商 业银行"。 具体来看，城商行大力支持中小企业发展，持续提高金融服务的覆盖率、可得性、满意度，成为支持中 小企业发展中一支重要的金融力量；城商行植根地方，围绕区域经济建设重点、产业发展特点，积极探 索创新，不断满足新型城镇化、统筹城乡等重大政策推进带来的融资需求，精准服务地方经济重点领 域、主导产业项目，为推动地方经济高质量发展注入金融动能。 报告认为，30年来，城商行结合资源禀赋和区域经济特点，精耕细作金融"五篇大文章"中与自身定位和 能力相契合的领域，推动金融资源聚集到高质量发展的战略方向、重点领域和薄弱环节，持续探索差异 化、特色化发展道路。 报告指出，站在新的历史起点，城商行民营银行既面临新质生产力培育、区域协调发展、数字化浪潮等 重大发展机遇，也面临利率市场化改革不断深化、同业竞争加剧等严峻挑 ...

Group 1: Company Performance and Market Management - The company has implemented a market value management plan, incorporating market value assessment indicators into the annual performance contracts of management [2][9] - As of October, the company's stock price has increased by over 50% since the beginning of the year, outperforming the market [8][11] - The company plans to continue its mid-term dividend policy, having distributed a total of 15.044 billion CNY in cash dividends since its restructuring [8] Group 2: Strategic Initiatives and Collaborations - On October 30, the company, along with eight other energy central enterprises, launched an initiative focused on "three major consensuses" and "five major measures" to support the energy sector's high-quality development [3] - The company emphasizes the integration of production and finance, establishing a robust financial product and service system to support its core business [4] Group 3: Investment in Emerging Technologies - The company is investing in high-tech fields, including robotics and controlled nuclear fusion, through its subsidiary, Kunlun Capital, which holds a 20% stake in Fusion Energy (Anhui) Co., Ltd. [5][12] - Kunlun Capital has also invested in Shandong Future Robotics Co., Ltd., a leading domestic company in deep-sea robotics [5] Group 4: Future Development Goals - The company aims to achieve quality improvement and reasonable growth during the "14th Five-Year Plan" period, focusing on optimizing its product and service systems [6][7] - The company is committed to maintaining its position in the industrial finance sector, enhancing its green finance initiatives, and developing smart financial solutions [10]

Core Insights - The People's Bank of China (PBOC) Shanghai Headquarters is promoting precise matching of funds and demand by providing a directory of key enterprises and projects to financial institutions in Shanghai [1] Group 1: Financial Institutions and Support - The PBOC has shared a list that includes over 10,000 technology-based small and medium-sized enterprises without loans, more than 460 technology transformation and equipment upgrade projects, over 5,000 family farms and farmers' cooperatives, and around 3,000 key enterprises focused on job stability and expansion [1] - Financial institutions are encouraged to enhance their financial products and services, improve supply-demand matching, and optimize loan approval processes to meet the financing needs of key sectors, projects, and enterprises [1] Group 2: Strategic Development - In the next phase, the PBOC Shanghai Headquarters will collaborate with relevant departments to align with the strategic needs, phase characteristics, and structural features of Shanghai's high-quality economic and social development [1] - The initiative aims to deepen financial supply-side structural reforms and promote the development of Shanghai's financial "five major articles," aligning with the construction of Shanghai's "five centers" for coordinated growth and efforts [1]

Core Viewpoint - Since the establishment of the financing coordination mechanism for small and micro enterprises, Industrial Bank has issued loans exceeding 480 billion yuan to 78,000 small and micro enterprises [1] Group 1: Loan Issuance and Growth - As of September 2025, the balance of inclusive loans for small and micro enterprises at Industrial Bank exceeded 590 billion yuan, with an increase of over 38 billion yuan since the beginning of the year [1] - The growth rate of inclusive small and micro loans surpassed the overall loan growth rate of the bank [1] Group 2: Financing Coordination Mechanism - The financing coordination mechanism was established in October last year, led by the National Financial Regulatory Administration and the National Development and Reform Commission, to address the financing difficulties faced by small and micro enterprises from both supply and demand sides [1] - Following the establishment of the mechanism, Industrial Bank quickly formed a dedicated task force at both the headquarters and branch levels, developing special work plans to enhance top-level design, increase resource allocation, and optimize service models [1] Group 3: Talent and Service Enhancement - To effectively implement the financing coordination mechanism, Industrial Bank has expanded its professional talent team, forming a "financial special commissioner" team of over 1,900 people [1] - The bank has conducted "thousand enterprises and ten thousand households" outreach activities in parks, communities, and rural areas to actively connect with the financing needs of business entities [1] - Industrial Bank provides tailored financial products and services to technology-oriented small and micro enterprises, specialized market small and micro business owners, and individual businesses, addressing their urgent financing needs [1]

Group 1 - Hong Kong government plans to relax capital investor entry scheme to attract more investors into the fintech sector [1] - Hong Kong Monetary Authority is exploring tokenization of conventional finance through the Ensemble sandbox and applying regulatory sandboxes to promote innovation and prudent risk management [1] - Hong Kong ranks third globally and first in Asia in the Global Financial Centers Index, with over 1,200 fintech companies, a 10% year-on-year growth [1] Group 2 - By 2032, the total revenue of Hong Kong's fintech industry is expected to exceed $600 billion, with an annual growth rate of over 28% [1] - The People's Bank of China emphasizes the importance of technology-driven financial innovation as a key driver for changes in financial development and governance systems in the context of the digital economy [2] - The People's Bank of China is focused on deepening the application of next-generation artificial intelligence in finance, developing policies to guide financial institutions in safely leveraging AI capabilities [2]

Core Insights - The financial assets of China National Petroleum Corporation (CNPC) have exceeded 1.1 trillion yuan, with total managed assets surpassing 1.6 trillion yuan, indicating a successful exploration of a unique path for industrial groups to engage in financial services [1][2] Group 1: Financial Development - CNPC's financial business began in 1995 and has evolved over 30 years, focusing on the integration of industry and finance, promoting production through finance, and establishing a comprehensive financial product and service system tailored to the oil and gas industry [1] - The company has developed a robust financial risk prevention and isolation mechanism, enhancing its resilience and overall competitiveness [1] Group 2: Energy Transition Strategy - CNPC is accelerating the transition to a clean, low-carbon energy structure through a three-step strategy: "clean substitution, strategic replacement, and green transformation" [2] - The company aims to establish a new energy production and supply system that is clean, low-carbon, safe, efficient, and complementary across multiple energy sources, while enhancing the service and value creation capabilities of its financial and capital operations [2]

Core Insights - The financing matchmaking event is seen as a timely opportunity for technology enterprises in Huizhou, with a total credit limit of 107 million yuan provided to 30 companies [1][3]. Group 1: Event Overview - The financing matchmaking event was organized by various local financial and governmental institutions, including the Huizhou branch of the People's Bank of China and China Bank Huizhou branch [3]. - The event specifically targeted the financing challenges faced by technology enterprises, aiming to inject financial momentum into these companies [3]. Group 2: Company Support - Huizhou currently has 103 national high-tech enterprises and 59 technology-based small and medium-sized enterprises [3]. - The event facilitated the signing of financing cooperation agreements between China Bank Huizhou branch and representatives from technology companies, such as Qimao Precision Technology (Huizhou) Co., Ltd. [3]. Group 3: Call to Action - The Deputy Secretary of Huizhou County Committee urged financial institutions to innovate their financial products and services to better support technology enterprises [5]. - Technology enterprises were encouraged to actively engage with financial institutions and leverage the support policies to accelerate their high-quality development [5].