12月4日，成都银行、成都农商行依据四川省个人消费贷款财政贴息政策，发布了个人消费贷款财政贴 息实施细则公告。该政策执行期限为2025年10月1日至2026年3月31日，个人客户通过两家银行四川省内 经办机构办理的个人消费贷款，若资金实际用于四川省内消费，且银行可通过贷款发放账户识别相关消 费交易信息，即可按规定享受四川省财政贴息支持。贴息范围覆盖单笔5万元以下的消费，以及单笔5万 元以上汽车、教育、健康医疗等重点领域消费；个人累计贴息上限1500元(对应符合条件的累计消费金 额30万元)，其中单笔5万元以下贷款累计贴息上限500元(对应累计消费金额10万元)。 同日，贵州省个人消费贷款财政贴息政策也正式落地。根据贵州银行、贵阳银行发布的公告，其政策核 心贴息比例与四川一致(年贴息1个百分点，最高不超过贷款合同利率的50%)，但贴息上限有所提高：单 户累计消费金额30万元的，累计贴息最高3000元；其中单笔5万元以下贷款累计消费金额10万元的，累 计贴息最高1000元。贴息范围则更趋全面，既包括单笔5万元以下的贵州省内消费，也涵盖单笔5万元及 以上用于省内家用汽车、养老生育等七大重点领域消费，且以5万元为单笔 ...

Core Viewpoint - Recent regulatory changes in the internet lending sector have prompted local commercial banks to significantly reduce their partnerships with smaller lending platforms, reflecting concerns over shared debt risks and the sustainability of previous lending models [1][2][3]. Group 1: Regulatory Changes and Bank Responses - Several local banks, including Urumqi Bank, Longjiang Bank, and Guiyang Bank, have announced a halt to new internet lending partnerships, while others have drastically cut the number of collaborating institutions [1][2]. - The introduction of the new lending regulations has led banks to reassess their reliance on external lending platforms, indicating a shift towards strengthening their own risk management capabilities [1][3]. - The new regulations require lending platforms to lower their comprehensive interest rates to below 24%, which has raised concerns about the ability of smaller platforms to maintain their previous guarantees [3][4]. Group 2: Impact on Lending Platforms - The profitability of lending platforms has been significantly affected, with profit margins dropping from around 4% to approximately 2% per loan, leading many platforms to struggle for breakeven [5][14]. - The cost of funds for lending platforms is expected to rise, with estimates suggesting that funding costs could increase to around 8%, while bad debt coverage costs may reach as high as 25% [15][6]. - The competitive landscape is shifting, with smaller platforms lacking genuine risk management capabilities likely to exit the market, while those with strong financial technology and customer acquisition channels may thrive [10][19]. Group 3: Industry Challenges and Future Outlook - The lending industry is experiencing a painful transition, with both banks and lending platforms facing operational challenges due to the new regulations [17][8]. - The focus of competition is expected to shift from mere scale and flow to risk management capabilities and technological strength, marking a new phase in the lending market [17][19]. - There is a growing concern that rapid reductions in lending partnerships could lead to a spike in non-performing loans, potentially transmitting risks throughout the banking sector [17][8].

本报记者 彭妍 12月4日，成都银行、成都农商行依据四川省个人消费贷款财政贴息政策，发布了个人消费贷款财政贴息实施细则公告。 该政策执行期限为2025年10月1日至2026年3月31日，个人客户通过两家银行四川省内经办机构办理的个人消费贷款，若资金实 际用于四川省内消费，且银行可通过贷款发放账户识别相关消费交易信息，即可按规定享受四川省财政贴息支持。贴息范围覆 盖单笔5万元以下的消费，以及单笔5万元以上汽车、教育、健康医疗等重点领域消费；个人累计贴息上限1500元（对应符合条 件的累计消费金额30万元），其中单笔5万元以下贷款累计贴息上限500元（对应累计消费金额10万元）。 同日，贵州省个人消费贷款财政贴息政策也正式落地。根据贵州银行、贵阳银行发布的公告，其政策核心贴息比例与四川 一致（年贴息1个百分点，最高不超过贷款合同利率的50%），但贴息上限有所提高：单户累计消费金额30万元的，累计贴息 最高3000元；其中单笔5万元以下贷款累计消费金额10万元的，累计贴息最高1000元。贴息范围则更趋全面，既包括单笔5万元 以下的贵州省内消费，也涵盖单笔5万元及以上用于省内家用汽车、养老生育等七大重点领域消费，且以 ...

Core Viewpoint - Guiyang Bank has appointed Li Hongqing as the new vice president, completing its executive structure of "one president and four vice presidents," which aims to address the challenges of performance pressure and weak grassroots risk control [2][11]. Group 1: Executive Changes - The Guizhou Regulatory Bureau has approved Li Hongqing's appointment as vice president of Guiyang Bank, following his previous role as board secretary [2][3]. - Li Hongqing, born in 1982 and the youngest executive at the bank, holds a PhD in management and has extensive experience in various roles within the bank and other financial institutions [3][5]. - The new executive structure includes Chairman Zhang Zhenghai, President Sheng Jun, and four vice presidents: Li Songyun, He Kaqiang, Li Ningbo, and Li Hongqing [3]. Group 2: Financial Performance - As of September 2025, Guiyang Bank's total assets reached 746.589 billion, with total deposits of 435.027 billion and total loans of 345.741 billion [6]. - The bank's operating income for the first three quarters of 2025 was 9.435 billion, a year-on-year decrease of 13.73%, while net profit attributable to shareholders was 3.915 billion, a slight decline of 1.39% [6][7]. - The bank's net interest income decreased by 1.065 billion, a drop of 12.29%, and the net interest margin fell by 0.23 percentage points to 1.57% [7][8]. Group 3: Asset Quality and Risk Management - As of September 2025, the non-performing loan ratio was 1.63%, showing improvement from 1.7% in June, but still high compared to peers [9]. - The bank's provision coverage ratio was 239.59%, above the regulatory requirement, but has decreased since the beginning of the year [9]. - Guiyang Bank has faced multiple regulatory penalties for inadequate credit review and management, raising concerns about its compliance capabilities [10]. Group 4: Challenges Ahead - The new executive team is tasked with improving compliance management and addressing the challenges of performance pressure and weak grassroots risk control [11]. - The bank's operational efficiency has declined, with the cost-to-income ratio rising to 28.09%, indicating increased cost control pressures [8]. - The bank's ability to maintain its capital adequacy ratios and manage credit quality will be critical in navigating potential risks in the future [9].

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]

卅年砥砺，风云激荡。从扎根一隅、服务地方的"金融毛细血管"，到与国同梦、与城共进的"经济重要 支柱"，中国城市商业银行用三十载时光，完成了一场波澜壮阔的跨越与重塑。在此背景下，金融界重 磅推出"城商行三十年：跨越与重构"系列策划，系统梳理城商行蜕变为区域金融支柱的历程，剖析行业 挑战与未来航向。 本文聚集贵阳银行。在曾连续多年GDP增速领跑全国的贵州，贵阳银行28年的成长史，正是区域城商行 蝶变的生动样本。1997年从25家城市信用社整合起步，如今以超7000亿元资产规模稳居贵州第一大法人 金融机构，其每一步跨越都与黔贵大地的发展脉搏同频共振。 一部与区域共生的成长史诗 1997年4月，贵阳市瑞金北路上的彩旗见证了贵州金融史的重要时刻——贵阳城市合作银行正式诞生。 这家由25家城市信用社整合而成的金融机构，以2亿元注册资本开启了本土金融服务征程，跻身中国最 早成立的一批城市商业银行之列。成立之初便锚定的"服务市民、服务中小、服务地方"初心，自此贯穿 其发展全程。 从名称迭代到版图扩张，贵阳银行的成长轨迹清晰可循：1998年更名为"贵阳市商业银行"；2008年毕节 分行设立，吹响跨区域经营的号角；2010年完成 ...

12月以来，贵阳银行、贵州银行相继发布关于个人消费贷款贴息工作的公告。两家银行均表示，贴息业 务将严格按照"自愿申请、先报先得、额度用尽即止"的规则受理。贵州银行表示，该行可使用的贴息资 金额度按省级财政分配执行，额度用完即止。 此前，消费贷"国补"业务的贷款经办机构并不包括城商行、农商行。近期，中国证券报记者注意到，贵 州、四川等地区域性银行正在地方财政的助力下，加入到消费贷补贴阵营。业内人士表示，消费贷"地 补"不仅能为银行带来业务增长，也能撬动地方消费市场，预计未来会有更多省市加入。 区域性银行推出消费贷款贴息业务 此前，消费贷"国补"业务的贷款经办机构为6家国有银行、12家股份制银行、以及微众银行和4家消金公 司，城商行、农商行并未纳入其中。如今，部分城商行、农商行也加入到消费贷贴息阵营。 12月以来，贵阳银行、贵州银行先后发布关于个人消费贷款贴息工作的公告。其中，贵阳银行表示，可 为个人消费贷款与服务业经营主体贷款，能享受贴息的个人消费贷款，其实际消费对应商户工商登记注 册地应在贵州省内。 上述消费贷"地补"的贴息金额与"国补"力度持平。贵州银行、贵阳银行均表示，每名借款人在该行可享 受的全部个人消 ...

12月以来，贵阳银行、贵州银行相继发布关于个人消费贷款贴息工作的公告。两家银行均表示，贴息业 务将严格按照"自愿申请、先报先得、额度用尽即止"的规则受理。贵州银行表示，该行可使用的贴息资 金额度按省级财政分配执行，额度用完即止。 预计未来会有更多省市加入 值得注意的是，12月4日，成都银行、成都农商行发布关于消费贷款财政贴息实施细则的公告。贴息政 策期间为2025年10月1日至2026年3月31日，个人客户提用成都银行、成都农商行四川省内经办机构发放 的个人消费贷款中实际用于四川省消费，且银行可通过贷款发放账户等识别借款人相关消费交易信息的 部分，可按规定享受四川省财政贴息支持。 公告显示，每位借款人在成都银行、成都农商行可享受的全部个人消费贷款累计贴息上限为1500元，其 中可享受单笔5万元以下的个人消费贷款累计贴息上限为500元。 业内人士表示，《个人消费贷款财政贴息政策实施方案》中的"鼓励地方财政部门结合实际情况对其他 经营个人消费贷款业务的金融机构给予财政贴息支持"，给如今多地出台消费贷"地方补贴"政策留下了 空间。 此前，消费贷"国补"业务的贷款经办机构并不包括城商行、农商行。近期，中国证券报记者注 ...

Core Viewpoint - Several local commercial banks in Sichuan and Guizhou, including Chengdu Bank and Guiyang Bank, have launched personal consumption loan interest subsidy programs, focusing on loans issued from late 2025 to early 2026, with a subsidy rate of 1% per annum and a maximum subsidy amount based on the loan interest rate [1][2][4]. Group 1: Policy Implementation - The implementation period for the personal consumption loan interest subsidy is set from October 1, 2025, to March 31, 2026, with the possibility of extension based on effectiveness [2][4]. - The subsidy applies to personal consumption loans used for various categories, including household vehicles, education, and healthcare, with a maximum subsidy of 1,500 yuan in Sichuan and 3,000 yuan in Guizhou [1][6]. Group 2: Loan Details - The subsidy covers loans of up to 50% of the loan contract interest rate, with specific limits on the amount eligible for subsidy based on the loan size [2][6]. - In Sichuan, the cumulative subsidy limit for individual borrowers is 1,500 yuan, corresponding to a total consumption amount of 300,000 yuan [2][4]. Group 3: Bank Participation - Chengdu Bank and Chengdu Rural Commercial Bank are among the first to announce the implementation details, with total assets of 1.38 trillion yuan and nearly 1 trillion yuan, respectively [5]. - Other banks in the region are also encouraged to participate in the subsidy program, expanding the policy's coverage beyond the designated national banks [4][5]. Group 4: Economic Context - The Sichuan province has seen steady growth in consumer markets, with a retail sales total of 2.74 trillion yuan in 2024, reflecting an average annual growth rate of 4.4% from 2021 to 2024, surpassing the national average [4]. - The subsidy program is part of broader efforts by the Sichuan government to stimulate economic recovery and growth through targeted financial policies [4][8].

近日，贵阳银行收到《国家金融监督管理总局贵州监管局关于贵阳银行修改公司章程的批复》，修改后 的公司章程已获得核准。自公司章程修改获监管机构核准生效之日起，该行不再设立监事会及其各专门 委员会，由董事会审计委员会行使《中华人民共和国公司法》和监管制度规定的监事会职权。 （文章来源：北京商报） 北京商报讯（记者孟凡霞周义力）12月5日，贵阳银行发布公告称，该行于2025年7月25日召开2025年第 二次临时股东大会，审议通过了《关于修订的议案》。 ...