12月9日金融一线消息，北京银行发布公告称，近日收到国家金融监督管理总局北京监管局核准公司章 程修订的批复，修订后的《北京银行股份有限公司章程》已在上海证券交易所网站和该行网站披露。 责任编辑：秦艺 公告显示，北京银行于2025年6月27日召开的2025年第三次临时股东大会，已审议批准《关于不再设立 监事会的议案》及《关于修订<北京银行股份有限公司章程>的议案》。自本次公司章程修订获监管机 构核准之日起，北京银行不再设立监事会，将由董事会审计委员会按照《中华人民共和国公司法》和监 管制度规定行使原监事会职权，与监事会运作和监事履职相关的制度同步废止。 同时，谭宁、李晓慧、徐林、吴文杰不再担任北京银行监事及监事会相关职务，上述人员已确认与该行 无不同意见，亦无其他需通知该行股东及债权人的事项。北京银行董事会在公告中对各位监事任职期间 做出的贡献表示感谢。 12月9日金融一线消息，北京银行发布公告称，近日收到国家金融监督管理总局北京监管局核准公司章 程修订的批复，修订后的《北京银行股份有限公司章程》已在上海证券交易所网站和该行网站披露。 公告显示，北京银行于2025年6月27日召开的2025年第三次临时股东大会， ...

北京银行12月9日晚间公告，公司董事会收到首席财务官曹卓的辞职函，曹卓因个人原因，向公司董事 会提请辞去首席财务官职务，上述辞任自2025年12月8日起生效。曹卓确认与本行董事会无不同意见， 也无与其辞任首席财务官有关的其他事项需要知会本行股东及债权人。曹卓已按照本行相关管理规定做 好工作交接。 ...

12月9日金融一线消息，北京银行今日发布公告称，该行董事会收到首席财务官曹卓的辞职函。曹卓因 个人原因，向该行董事会提请辞去首席财务官职务，上述辞任自 2025 年 12 月 8 日起生效。 | 姓名 | 离任职务 | 高任时间 | 原定任期 到期日 | 离任 原因 | 是否继续 在上市公 司及其控 股子公司 | 具体 职务 | 是否存在未 成立元年的 公开承诺 | | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | | Harr | | | | 曹卓 | 首席财务官 | 2025 年 12月8日 | 2026 年 11月29日 | 个人 原因 | 분 | 无 | 否 | 北京银行表示："本行董事会对曹卓先生在担任首席财务官期间为本行做出的贡献表示感谢。" 责任编辑：曹睿潼 12月9日金融一线消息，北京银行今日发布公告称，该行董事会收到首席财务官曹卓的辞职函。曹卓因 个人原因，向该行董事会提请辞去首席财务官职务，上述辞任自 2025 年 12 月 8 日起生效。 北京银行表示："本行董事会对曹卓先生在担任首席财务官期间为本行做出的贡献表示感谢 ...

北京银行公告，首席财务官曹卓先生因个人原因，向本行董事会提请辞去首席财务官职务。曹卓先生的 辞任自2025年12月8日起生效。曹卓先生确认与本行董事会无不同意见，也无与其辞任首席财务官有关 的其他事项需要知会本行股东及债权人。本行董事会对曹卓先生在担任首席财务官期间为本行做出的贡 献表示感谢。曹卓先生已按照本行相关管理规定做好工作交接。 ...

Core Insights - The digital transformation of China's banking industry is entering a "deep water zone" by 2025, characterized by market expansion, technological upgrades, and intensified competition [1] - The IT investment in the banking sector is projected to reach 169.315 billion yuan in 2024, with a growth rate of 3.6%, and is expected to exceed 266.2 billion yuan by 2028 [1] - The digital bidding landscape shows that successful digitalization in banking relies not only on investment scale but also on precise alignment with the bank's positioning and strategic partnerships [1] Investment Trends - In 2024, the six major state-owned commercial banks are expected to invest a total of 125.459 billion yuan in fintech, accounting for 52% of the total banking sector investment [2] - By 2025, the banking sector's fintech investment is anticipated to reach 333.85 billion yuan, representing a 38% increase from 2024 [2] Bank Types and Investment Focus - State-owned banks are leading in digital investment, with major banks like ICBC planning to invest 285.18 billion yuan in fintech in 2024, while smaller banks are focusing on localized services and specific pain points [3][5] - The investment focus for state-owned banks includes large model development, data platforms, and intelligent risk control systems [3] - Regional banks are prioritizing local economic services and optimizing processes for small and medium enterprises, with some banks investing over 6% of their revenue in technology [5] Digital Bidding Characteristics - The digital bidding projects are categorized into four main tracks: risk management, compliance control, data services, and technology platforms, each with varying technical requirements and budget allocations [7][8] - Risk management projects are rated the highest in complexity, requiring a deep understanding of financial logic and AI technology [7] - Compliance control projects are driven by regulatory requirements and have a high degree of standardization, making them easier to replicate [7] Competitive Landscape - A dual-competitive landscape is emerging between bank technology subsidiaries, which excel in understanding financial regulations, and internet technology companies, which leverage general technology capabilities [10][11] - The collaboration between bank technology subsidiaries and internet technology companies is becoming a mainstream approach, combining business understanding with technological innovation [17] Future Outlook - The investment landscape is expected to become more differentiated, with large banks focusing on systematic construction while smaller banks target essential local needs [18] - The emphasis will shift towards practical technologies that address compliance issues and enhance operational efficiency, with a growing trend of collaboration between different types of technology providers [18]

Core Viewpoint - Beijing Bank has successfully implemented a rapid card issuance service for the third-generation social security card, achieving a processing time of just three minutes at all its branches, enhancing convenience for citizens [1][3]. Group 1: Service Implementation - As of now, Beijing Bank has provided card replacement services to over 135,000 citizens and more than 60,000 enterprises and institutions in Beijing, with one in every six third-generation social security cards issued by the bank [3]. - The bank has established a team of over 4,000 employees who are knowledgeable in both finance and social security to ensure professional and efficient service [3]. - Innovative channels such as smart teller machines and portable card issuance machines have been introduced to optimize the card issuance process [3]. Group 2: Accessibility and Convenience - The bank has developed a user-friendly process that allows citizens to apply for cards via mobile scanning, with cards mailed directly to their homes and activation available at nearby branches [3]. - Services have been extended to cross-province workers and remote teams, ensuring they can access social security card services without the need for travel [3]. - Over 1,000 mobile service stations have been set up to cater to employees working in shifts, ensuring they can replace their cards without leaving their jobs [3]. Group 3: Community Engagement - A dedicated service team has visited over 300 bus and subway stations, 100 sanitation stations, and 500 delivery stations, providing card replacement services to over 300,000 workers in these sectors [5]. - The bank has tailored its services to meet the needs of specific demographics, including the elderly and foreign nationals, by offering assistance for those who may struggle with smartphone applications [5]. - The integration of social security card applications into newborn registration and insurance enrollment processes has been implemented to streamline access for new parents [5].

登录新浪财经APP 搜索【信披】查看更多考评等级 2025年12月8日，北京银行（601169.SH）发布公告，披露其收到苏州中院应诉通知书，被卷入胡菊玲等投资者诉康得新复合材料集团股份有限公司（以下 简称"康得新"）的证券虚假陈述责任纠纷案中。 这一诉讼的核心背景可追溯至中国证监会2020年9月24日发布的行政处罚决定书。经立案调查、多轮听证及复核，证监会认定康得新存在三项严重信息披 露违法违规行为：2015年至2018年年度报告存在虚假记载；未及时披露且未在年度报告中披露为控股股东提供关联担保的情况；未在年度报告中如实披露 募集资金使用情况。上述行为违反了2005年《证券法》相关规定，最终，中国证监局对康得新处以60万元罚款并警告，对钟玉等12人分别处以3万至90万 元不等的罚款及警告。 此次证券虚假陈述责任纠纷案中，诉讼参与方阵容庞大。原告为胡菊玲等人，共推选陈群星、巫春霞、魏伟、王玲玲、魏波5名诉讼代表人；被告总数达 40名，其中康得新为第一被告，康得投资集团有限公司、张家港康得新光电材料有限公司等多家关联企业及钟玉、王瑜等时任高管依次列为第二至第二十 八被告，北京银行股份有限公司被列为第二十九被告， ...

Core Viewpoint - The Beijing Listed Companies Association (北上协) is conducting a series of research activities focused on "high-quality financial development and the five major topics," engaging with major banks to explore how financial institutions can empower the real economy through various financial innovations [1][6]. Group 1: Beijing Bank - Beijing Bank prioritizes technology finance as its "first strategy" and emphasizes specialized and innovative enterprises as its "number one project" [2]. - The bank's board secretary highlighted that technological innovation is a core driver for reshaping the global economic landscape and that finance plays a crucial role in supporting technological innovation and industrial upgrades [2]. - The association's secretary-general expressed the importance of high-quality financial development as a support for national economic growth and encouraged listed companies to leverage financial market resources for innovation [2]. Group 2: Agricultural Bank - Agricultural Bank focuses on serving rural revitalization, with 40% of its loans and 44% of its deposits located in county areas [3]. - The bank is committed to urban business development while maintaining a collaborative operational model between urban and rural areas [3]. - The discussions during the research highlighted the bank's practices in technology finance and digital transformation, clarifying the direction for collaboration between enterprises and financial institutions [3]. Group 3: Postal Savings Bank - Postal Savings Bank aims to serve agriculture, rural areas, and small and medium-sized enterprises, enhancing service quality and creating new development momentum [4]. - As of Q3 2025, the bank reported positive growth in revenue and profit, with a net interest margin of 1.68% and a non-performing loan ratio of 0.94%, indicating strong performance in the industry [4]. - The bank's strategy focuses on aligning financial resources with key areas of economic development in the capital [4]. Group 4: Financial Development Strategies - The association emphasizes the need for financial companies to focus on strategic planning, risk prevention, technology empowerment, international cooperation, and talent development to ensure long-term growth [5]. - The "five major topics" are seen as essential for enhancing the quality of service to the real economy and mitigating systemic risks [6]. Group 5: Future Directions - The implementation of the "five major topics" is expected to transform banking service models, shifting from traditional collateral-based assessments to a focus on technology and future potential [6]. - Suggestions from company representatives include optimizing risk assessment models for technology finance and enhancing green finance standards [7]. - The association plans to continue facilitating high-quality exchanges and training sessions to foster collaboration among listed companies [7].

Group 1 - The city commercial bank sector experienced a decline of 0.31% on December 8, with Shanghai Bank leading the drop [1] - The Shanghai Composite Index closed at 3924.08, up 0.54%, while the Shenzhen Component Index closed at 13329.99, up 1.39% [1] - Key individual stock performances in the city commercial bank sector included Xiamen Bank rising by 3.32% and Shanghai Bank falling by 1.43% [1][2] Group 2 - The net inflow of main funds into the city commercial bank sector was 129 million yuan, while retail investors saw a net outflow of 156 million yuan [2] - The table of fund flows indicated that Jiangsu Bank had a net outflow of 56.86 million yuan from main funds, while Hangzhou Bank had a net inflow of 49.79 million yuan [3] - The overall trend showed that retail investors were withdrawing funds from several banks, with notable outflows from Suzhou Bank and Qingdao Bank [3]

Core Viewpoint - Beijing Bank is facing significant legal challenges, including a recent lawsuit related to false statements by Kangde Xin, with potential claims exceeding 4.139 billion yuan, while also dealing with regulatory fines totaling over 36 million yuan this year [2][4][5]. Legal Issues - On December 4, Beijing Bank received a lawsuit notification from the Suzhou Intermediate People's Court, making it a defendant in a case involving Kangde Xin's false statements [2][5]. - The lawsuit includes 40 defendants, with Kangde Xin as the primary defendant, and seeks compensation for investment losses due to false statements [4]. - This is not the first time Beijing Bank has been involved in litigation related to Kangde Xin, as it was previously named in a lawsuit seeking over 5.1 billion yuan in damages [4]. Financial Impact - Beijing Bank has stated that it is not the primary responsible party in the current lawsuit and has assessed that the case will not materially impact its profits [5]. - The bank's financial performance has shown a decline, with a 1.08% year-on-year decrease in revenue for the first three quarters of 2025, while net profit saw a slight increase of 0.26% [6][7]. Regulatory Challenges - The bank has faced multiple regulatory penalties this year, totaling over 36 million yuan, due to various compliance failures [5][6]. - Specific violations include issues with account management and transactions with unidentified clients, leading to significant fines from regulatory authorities [6]. Market Position - As of mid-2025, Beijing Bank's asset size has been surpassed by Jiangsu Bank, marking a shift in the competitive landscape among city commercial banks [7]. - The bank is focusing on strategic areas such as pension finance and green finance, aiming to enhance its market position despite current challenges [7].