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【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]
紫金银行坚持高质量发展理念2024: 支农支小贷款突破1200亿元,经营质效双提升
Di Yi Cai Jing· 2025-04-25 03:27
面对复杂严峻的内外部局势,紫金银行稳步推进高质量发展,展现了一家农商行"支农支小支实"的使命 担当和深耕本土的长期主义。 4月24日晚间,紫金银行披露2024年年报。数据显示,去年该行经营业绩保持稳健,总资产与存贷款规 模增长展现出良好势头,普惠金融持续提质扩面增效。同日披露的2025年一季度报告显示,截至今年3 月末,紫金银行资产规模已突破2800亿元,一季度延续良好经营态势。 紫金银行是A股首家省会城市农商行。作为地方金融生力军,2024年紫金银行坚守"服务三农、服务中 小、服务城乡"的市场定位,持续推进战略转型与业务创新,多维度提升实体经济服务质效,以自身高 质量发展助力区域经济高质量发展。 经营稳健,重点领域支持提质增效 2024年,紫金银行不畏环境变化,坚持现代商业银行方向,以推进高质量发展为主题,以服务实体经济 为主线,以改革创新为根本动力,坚守支农支小主责主业,全面深化改革转型,切实防范金融风险,强 化管理效能提升,各项工作取得了新进展、迈上了新台阶。 财报数据显示,2024年,紫金银行实现营业收入44.63亿元、净利润16.24亿元,同比均实现稳定增长。 报告期末,该行信贷客户数达10.8万户 ...