图为客户手写的感谢信。 晋商 银行供图 2025年12月24日，客户卫某前往晋商银行迎新街支行办理50万元大额现金支取业务。系统预警提示该笔 交易存在异常，卫某遂出示手机中的"借条"截图作为资金用途证明。但在沟通交流中，客户言辞闪烁、 表述前后矛盾。 经办柜员凭借扎实的风险防控意识和职业警觉，立即察觉该笔业务疑点重重，可能涉及诈骗。支行迅速 启动风险处置流程，采取延迟支付、深入核查措施，及时防范电诈风险。 中新网山西新闻2月13日电 一封手写感谢信，一句"人民的守护者"，承载着民众对金融机构拦截涉诈资 金的诚挚谢意。近日，晋商银行驻派太原市反诈中心员工王小红因成功拦截一笔50万元涉诈资金，收到 受害人王女士亲笔书写的感谢信。 在警方与银行的联动配合下，这笔50万元资金在即将被取走的最后一刻成功冻结，守护了受害人王女士 的财产安全。事后，王女士寄来亲笔感谢信，对参与资金拦截的工作人员表达感激之情。 近年来，晋商银行坚持将反诈知识深度融入日常业务培训，持续深化与公安机关的联防联控协作，着力 构建"事前预警、事中拦截、事后溯源"的全链条反诈防御体系。仅2025年，晋商银行协助警方抓获嫌疑 人79名，成功劝阻电信诈骗 ...

【风险提示】 本榜单所有分析均基于公开信息，不构成任何投资建议；若市场环境或政策因素发生变化，将可能导致产品表现不及预期。榜单可能存在样本不足以代表 整体市场的情况。 银行理财产品1月榜单 1月，A股市场交投活跃度与市场风险偏好同步提升，三大指数均实现"开门红"。其中，上证指数1月上涨3.76%，"成长"风格表现强劲，中证500指数1月 涨幅达12.12%。 1月，受国际局势复杂演变、美元指数走弱及国内产业政策发力等多重因素共振影响，贵金属、有色金属、化工及油气等具备"涨价"预期的顺周期行业月 涨幅居前，但月末出现剧烈震荡。科技成长方面，多家机构投资者表示，随着大模型技术逐渐成熟，AI应用赛道将迎来技术验证的关键"窗口期"。脑机接 口、AI智能体等应用方向迎来上涨行情；同时，算力需求保持高景气度，存储芯片、半导体设备、共封装光学（CPO）等AI硬件方向亦受到资金青睐。 债券市场先抑后扬，整体呈震荡修复趋势。1月，10年期国债收益率下行4个基点至1.81%。利率债走势分化，超长端债券品种表现弱于短端品种。信用债 收益率普遍下行，整体表现优于利率债。其中，中长端信用债品种获保险、基金等资管机构净买入，3-5年期产 ...

在2025年度中国资管"群星汇"评选中，晋商银行凭借优异的资产管理表现，荣膺"混合类理财管理奖"。 据悉，这是该行连续第二年获得此项业界奖项，体现了山西本土上市银行在财富管理领域的专业能力， 也是区域金融机构高质量发展的具体表现。 资产管理能力多次获得权威认可，是晋商银行长期专注财富管理领域、不断提升综合实力的结果。作为 山西区域金融发展的重要力量，该行经营规模和综合实力稳步提升。截至2025年9月末，晋商银行资产 总额达3980亿元，在"2025年中国银行业前100名单"中位列第82位，为其资产管理业务稳健发展提供了 有力支撑。 晋商银行相关负责人表示，近年来，该行深入落实中央金融工作会议精神，将资产管理业务作为重要抓 手，践行金融工作的政治性和人民性。该负责人同时表示，资产管理业务是连接居民财富与实体经济的 关键金融纽带，其发展质量不仅直接关乎人民群众的财产性收入，更与国家经济的长期健康发展紧密相 关。 这份奖项的获得，得益于晋商银行两只FOF旗舰产品的良好业绩，也反映出其服务地方经济社会发展的 综合金融实力。2025年，晋商银行布局财富管理市场，发行了丰盈人生安愉甄选FOF、丰盈岁月全球心 选FOF两只 ...

这是一场与诈骗分子抢时间的较量，晚一步，资金就可能被转走。支行负责人接到汇报后，立即启动大 额交易风险处置流程，对这50万元资金采取"延迟支付"措施，为核查工作争取了宝贵时间。与此同时， 通过晋商银行与太原市公安局建立的"警银快速响应机制"，这笔可疑交易的线索很快送到了派驻在太原 市反诈中心的银行专员王小红手中。 王小红接到线索后，立即与反诈中心民警开展联合研判，经快速核查确认，卫某提供的"借条"纯属伪 造，该笔50万元资金实为电信网络诈骗涉案款项，卫某的真实身份是协助诈骗分子转移赃款的人员。随 后，警银双方同步发力，成功冻结该笔涉案资金，彻底阻断了诈骗分子的获利路径。 "如果不是银行工作人员多问了一句，我的50万元恐怕早就没了踪影。"近日，一封手写感谢信寄至晋商 银行，信纸虽薄，却承载着受害人王女士沉甸甸的谢意，也揭开了一场发生在去年年底、仅持续数小时 的资金拦截战。 时间回溯至2025年12月24日，正值年末银行业务繁忙时段，客户卫某走进晋商银行迎新街支行，要求支 取50万元大额现金。按照金融管理规定，大额现金支取需核实资金用途，面对柜员的询问，卫某掏出手 机展示了一张"借条"截图，声称这笔钱用于归还个人 ...

Core Viewpoint - Jinshang Bank has been awarded the "Mixed Asset Management Award" for the second consecutive year in the 2025 China Asset Management "Star Gathering" selection, highlighting its strong foundation and professional capabilities in wealth management [1] Group 1: Award Recognition and Performance - Jinshang Bank's two flagship FOF products have achieved impressive performance, with annualized returns of 7.54% and 7.31% respectively, and total assets growing from under 2 million to 400 million within less than a year [1] - The bank's total assets reached 398 billion as of September 2025, ranking 82nd in the "2025 China Banking Industry Top 100" list, indicating continuous improvement in its overall strength [1] Group 2: Strategic Focus and Product Development - Jinshang Bank emphasizes the importance of asset management as a key financial link between residents' wealth and the real economy, aiming to meet diverse financial needs while safeguarding investors' rights [2] - The bank launched two FOF products in April and May 2025, targeting various investment opportunities across A-shares, bonds, and gold, providing a one-stop asset allocation solution [2] Group 3: Industry Trends and Future Outlook - The wealth management industry is experiencing significant growth, with the banking wealth management sector expected to increase by 3.34 trillion in 2025, driven by low interest rates and a growing awareness of asset allocation among investors [3] - Predictions indicate that the banking wealth management scale will exceed 38 trillion by 2026, with a year-on-year growth rate expected to surpass 12% [3] Group 4: Future Development Goals - Jinshang Bank aims to enhance its comprehensive competitiveness in wealth management and private banking, focusing on optimizing cross-market and multi-asset investment strategies [4] - The bank plans to transition from traditional product sales to comprehensive service models, creating a full lifecycle wealth management service system to help local residents achieve stable wealth growth [4]

Core Insights - The company has outlined its key focus areas for 2026, emphasizing five main directions for development [1] Group 1: Enhancing Service to the Real Economy - The company aims to improve its effectiveness in serving the real economy by developing a "green energy + finance" model and connecting with major provincial projects [1] Group 2: Deepening Digital Transformation - The company plans to implement a "challenge and lead" mechanism and leverage artificial intelligence to enhance its digital transformation efforts [1] Group 3: Strengthening Risk Control Systems - The establishment of a digital risk control platform is a priority to fortify the company's risk management framework [1] Group 4: Building a High-Quality Professional Team - The company will execute 12 training programs to cultivate a highly skilled and professional workforce [1] Group 5: Reinforcing Party Leadership - Strengthening the leadership role of the Party within the organization is also a key focus area [1]

Core Insights - Jinshang Bank has been awarded the "Outstanding Contribution Award for Credit Card Business in 2025" by China UnionPay, highlighting its successful integration of credit card services into local consumption scenarios in Shanxi province, leading to continuous growth in transaction volume [1] Group 1: Credit Card Business Integration - Jinshang Bank has embedded its credit card services into high-frequency local consumption scenarios such as retail, dining, and tourism, providing tangible benefits to consumers [2] - The bank aims to make credit cards a daily consumption assistant for citizens, creating a positive cycle in the consumption market and activating regional consumption vitality [2] Group 2: Digitalization and Consumer Engagement - Jinshang Bank utilizes big data analytics to offer differentiated products and services tailored to consumer needs, particularly targeting the younger demographic engaged in online payments [3] - The shift from broad coverage to precise service positions the bank as a digital "consultant" for consumer spending, enhancing the convenience and appeal of financial services [3] Group 3: Commitment to Local Economy - The award reflects Jinshang Bank's commitment to supporting the real economy and improving people's livelihoods amid efforts to boost consumption [4] - The bank is focusing on a differentiated development path for its credit card business, emphasizing scenario integration, technological empowerment, and risk management to contribute to local economic and social development [4]

股份發行人及根據《上市規則》第十九B章上市的香港預託證券發行人的證券變動月報表 截至月份: 2026年1月31日 狀態: 新提交 致：香港交易及結算所有限公司 公司名稱: 晉商銀行股份有限公司 (「本行」) (見備註) 呈交日期: 2026年2月4日 I. 法定/註冊股本變動 | 1. 股份分類 | 普通股 | 股份類別 | H | | 於香港聯交所上市 (註1) | | 是 | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 證券代號 (如上市) | 02558 | 說明 | | | | | | | | | | 法定/註冊股份數目 | | | 面值 | | 法定/註冊股本 | | | 上月底結存 | | | 970,650,000 | RMB | | 1 RMB | | 970,650,000 | | 增加 / 減少 (-) | | | 0 | | | RMB | | 0 | | 本月底結存 | | | 970,650,000 | RMB | | 1 RMB | | 970,650,000 | | 2. 股份分類 | 普通股 | 股份類 ...

Group 1 - The core theme of the event was "Full Power, New Journey," emphasizing the recognition of outstanding individuals and teams within Jinshang Bank for their contributions in the past year [1] - The awards ceremony highlighted the bank's commitment to high-quality development and the collective effort of its employees in various areas such as market expansion, product innovation, customer service, and compliance risk control [1] - Various awards were presented, including advanced units, advanced individuals, and special contribution awards, symbolizing the dedication and hard work of the recipients [1] Group 2 - The Chairman of Jinshang Bank, Hao Qiang, emphasized the importance of the qualities exhibited by the awardees, such as proactive change, courage to lead, and pursuit of excellence, as valuable spiritual assets for the bank [2] - Three calls to action were made for the future: empowering practical workers, encouraging bold innovation, and creating value based on actual performance [2] - Employees expressed their commitment to using the recognition as motivation to excel in their roles and contribute to the bank's ongoing development [2]

Core Viewpoint - Jinshang Bank's 2026 work meeting emphasized the importance of deepening reforms, ensuring transformation, and enhancing quality and efficiency to create value, manage risks, and support local development in the new five-year plan [1]. Group 1: 2025 Achievements - Jinshang Bank's transformation in 2025 showed significant results, with key areas like technology finance, green finance, and inclusive micro-loans growing over 10%. The bank led in "guaranteeing housing" credit in Shanxi Province, and county deposits became a new growth highlight [3]. - Innovative business breakthroughs included the first "Port Cloud Warehouse" financing and cross-border RMB settlement for aircraft bonded procurement in the province, along with successful issuance of technology innovation bonds and floating rate bonds, significantly increasing income from wealth management and trade finance intermediary services [3]. - The risk management system was comprehensively restructured, successfully resolving risks in village and town banks, with self-research in technology rising to 13%, laying a solid foundation for high-quality development [3]. Group 2: 2026 Focus Areas - The bank will focus on five key directions for high-quality development in 2026, starting with enhancing service efficiency for the real economy by creating a "green energy + finance" service model and supporting major provincial projects [4]. - The second focus is on deepening reforms to stimulate internal growth, implementing innovative incentives like "ranking and competition," and enhancing digital capabilities through AI to improve operational efficiency [5]. - The third focus is on strict risk management, establishing a comprehensive risk prevention system, and transitioning risk management to proactive prevention and control [5]. - The fourth focus is on building a high-quality professional team, developing a cadre of politically aware and management-savvy leaders, and implementing specialized training programs to enhance overall capabilities [5]. - The fifth focus is on leading with party building to ensure high-quality development, integrating party activities with business planning and assessment [5].