Group 1 - The successful implementation of the first foreign currency repurchase business for bonds under custody by Qingdao Rural Commercial Bank marks a significant breakthrough in foreign currency liquidity management and collateral application [1][3] - This achievement enhances the bank's ability to manage foreign currency funds and expands its financing channels, thereby increasing its trading activity and influence in the domestic foreign currency market [3] - Qingdao Rural Commercial Bank aims to continue innovating financial services for the real economy, aligning with national financial opening strategies, and deepening cooperation with financial infrastructure like the Shanghai Clearing House and the China Foreign Exchange Trading Center [3] Group 2 - The foreign currency repurchase business, as an important product in the foreign currency interest rate market, effectively reduces credit risk and improves the efficiency of foreign currency fund utilization compared to traditional foreign currency borrowing models [3] - The bank's collaboration with the Shanghai Clearing House has facilitated the optimization of clearing processes and the establishment of cross-custodian foreign currency repurchase business channels [1][3] - Qingdao Rural Commercial Bank is committed to enhancing cross-border financial service quality and contributing to the high-level opening up of Qingdao City and the high-quality development of the real economy [3]

Group 1 - The A-share market saw a general rise in bank stocks, with Qingnong Commercial Bank and Qilu Bank increasing by over 2% [1] - Xiamen Bank, Zhangjiagang Bank, Zijin Bank, and Minsheng Bank all experienced gains of over 1% [1]

Group 1 - Qingdao Rural Commercial Bank (青农商行) has appointed Liang Yanbo as the new chairman, pending approval from the regulatory authority, marking a significant leadership change at a critical development juncture for the bank [1][3] - The bank has surpassed a total asset scale of 500 billion yuan but has been facing a "profit growth without revenue growth" dilemma since 2025, with personal consumer loans being a notable growth area, increasing over 17% in the first half of the previous year [1][8] - Liang Yanbo, born in August 1978, is a "post-70s" executive with extensive experience in the Shandong rural credit system, which positions him well to address the bank's operational challenges and drive core business growth [3][5] Group 2 - The recent leadership change is part of a broader trend of executive turnover at Qingdao Rural Commercial Bank, with previous chairman Wang Xifeng retiring in November 2025 and other senior executives also stepping down due to age [6] - The bank's performance has shown a stark contrast, with operating income declining by 4.92% to 8.028 billion yuan in the first three quarters of 2025, while net profit increased by 3.57% to 3.318 billion yuan, highlighting the "profit growth without revenue growth" issue [8][10] - The bank's net interest margin has narrowed to 1.61% as of September 2025, down from 1.67% at the end of the previous year, indicating challenges in interest income growth amid a declining industry trend [11][12] Group 3 - The bank's retail business, particularly personal consumer loans, has emerged as a bright spot, with total personal loans reaching 80.076 billion yuan, accounting for 29.42% of total loans, and consumer loans growing by 17.7% [13] - Liang Yanbo's challenge will be to leverage the strengths of the retail business while addressing the issues of weak credit issuance and low profitability quality, balancing expansion with risk management [13]

Industry Focus - The China Banking Association has released guidelines to regulate the collection behavior of credit card and personal consumer loan collections, aiming to promote healthy industry development. The guidelines clarify issues such as collection timing, reasonable frequency, and channels for obtaining contact information, establishing quantitative standards and specific definitions [1] Corporate Dynamics - Citic Bank plans to increase its capital contribution to Citic Financial Leasing by 2 billion yuan, raising the registered capital from 10 billion yuan to 12 billion yuan. This marks the second capital increase for Citic Financial Leasing by Citic Bank in a year [4] Financial Personnel - Qingdao Rural Commercial Bank has elected Liang Yanbo as the chairman of its fifth board of directors, pending approval from the Qingdao Financial Regulatory Bureau [5] - Ningbo Bank has received approval from the Ningbo Financial Regulatory Bureau for Fu Wensheng to serve as the vice president [6] - Guangfa Bank has received approval for Lin Zhaohui to serve as the director, vice chairman, and president, effective from January 30, 2026 [7] - The credit card center of Bank of Communications has appointed He Bo, the former vice president of the Zhejiang branch, as the new general manager, pending regulatory approval [8] - Bai Xiaodong has been appointed as the party secretary of Beijing Rural Commercial Bank, as announced during the bank's recent meeting [9] Market Trends - Despite an overall downward trend in market interest rates, many small and medium-sized banks have raised deposit rates by 5 to 20 basis points ahead of the Spring Festival, with some banks launching limited-time exclusive deposit products [3] Gold Market - Following a significant drop in gold prices, several banks have issued risk warnings and adjusted the entry thresholds for gold-related businesses, including increasing the minimum purchase amount for gold accumulation products [2]

Core Viewpoint - Qingdao Rural Commercial Bank has elected Liang Yanbo as the new chairman of its board of directors, following the retirement of the previous chairman Wang Xifeng due to age [1][3]. Group 1: Leadership Changes - Liang Yanbo, born in August 1978, holds a master's degree in business administration and has extensive experience in the Shandong rural credit system [3]. - Liang has previously held leadership positions in several rural commercial banks in Shandong, including Boshan, Zaozhuang, and Jinan, accumulating comprehensive management experience [3]. - Wang Xifeng, the former chairman, submitted his resignation due to age-related retirement, and his contributions to the bank were highly praised in the announcement [3]. Group 2: Bank Overview - Qingdao Rural Commercial Bank was established with the approval of the State Council and is one of the seven rural commercial banks in vice-provincial cities in China [4]. - The bank was officially opened on June 28, 2012, and became the first rural commercial bank listed on the A-share market north of the Yangtze River on March 26, 2019 [4]. - As of September 30, 2025, the bank's total assets amounted to 509.9 billion yuan, with a year-on-year growth of 3.01% [4]. - The total loan amount was 268.1 billion yuan, and deposits reached 335.2 billion yuan [4]. - For the first three quarters of 2025, the bank reported an operating income of 8.028 billion yuan, a decrease of 4.92% year-on-year, while the net profit attributable to shareholders was 3.318 billion yuan, reflecting a year-on-year increase of 3.57% [5].

Group 1 - The core point of the article is the election of Liang Yanbo as the chairman of the board of directors of Qingdao Rural Commercial Bank, pending approval from the local financial regulatory authority [1] - The decision was made during the 17th temporary meeting of the fifth board of directors held on February 3 [1] - Liang Yanbo has a background in banking, having previously served as chairman and party secretary at various rural commercial banks in Shandong province [1] Group 2 - Liang Yanbo was born in August 1978 and holds a master's degree in business administration [1] - His recent position before the election was as the party secretary of Qingdao Rural Commercial Bank since December 2025 [1] - The article highlights his extensive experience in the banking sector, including roles in auditing and management within rural credit cooperatives [1]

中访网数据 青岛农村商业银行股份有限公司于2026年2月3日成功召开2026年第一次临时股东会。会议 以现场与网络投票相结合的方式，审议并通过了《关于选举梁衍波先生为第五届董事会执行董事的议 案》。根据表决结果，该议案获得同意票2,700,784,691股，占出席会议有效表决权股份总数的 99.7696%，反对及弃权票占比合计仅为0.2304%，议案获得高票通过。本次股东会出席股东及授权代表 共计613人，代表有表决权股份2,707,021,421股，占公司总股本的49.9432%，其中通过网络投票参与的 股东代表股份数占比达39.7118%，显示出较高的股东参与度。会议程序符合《公司法》及《公司章 程》规定，由江苏世纪同仁律师事务所律师现场见证并出具了法律意见书，确认会议召集、召开、表决 程序及结果合法有效。此次董事选举是公司完善治理结构的重要举措，梁衍波先生的当选将有助于董事 会持续稳健运作。 ...

（来源：青岛金融） 青岛金融机构正成为银发经济的深度参与者。 这种深度，来自于养老金融生态圈的持续打造。作为全国首批多项养老金融改革试点城市，青岛通过完 善政策体系、创新金融产品，初步构建起多层次养老金融服务体系，为银发经济发展注入强劲金融动 能。 这种深度，来自于青岛金融机构加力优化服务供给。养老金融的主要功能是为银发经济发展提供融资支 持，加大对养老及健康产业的融资支持。2025年以来，青岛各银行机构不断提升养老服务金融质效，包 括进一步加大对养老服务机构的信贷支持力度，优化贷款审批流程；进一步推进金融服务设施的适老化 改造，加强金融知识普及教育，提高老年人金融素养和风险防范意识利用金融科技手段，开发适合老年 人使用的线上金融服务平台，提升金融服务的便捷性与可得性。 多维发力、深耕养老金融，青岛金融机构正"加速跑"。 落地"养老顾问服务点" 提升金融服务适老化水平是养老金融的重要一极。 近日，青岛市民政局授予交通银行青岛分行4家网点首批"养老顾问服务点"称号，并为4名"养老服务顾 问队"代表授牌；同步为4家社区及机构颁发"养老金融服务示范社区/机构"牌匾，标志着青岛市政银协 同推进养老服务向社区延伸、向基 ...

北京商报讯(记者孟凡霞周义力)2月3日，青岛农商行发布第五届董事会第十七次临时会议决议公告，会 议审议并通过了《关于选举青岛农村商业银行股份有限公司第五届董事会董事长的议案》，同意选举梁 衍波为该行第五届董事会董事长。梁衍波需经国家金融监督管理总局青岛监管局核准任职资格。 简历显示，梁衍波，1978年8月生，研究生学历，工商管理硕士学位。曾任博山农商银行党委书记、董 事长，山东省农村信用社联合社菏泽审计中心党委委员、副主任，枣庄农商银行党委书记、董事长，济 南农商银行党委书记、董事长。2025年12月至今，任青岛农商银行党委书记。 同日，该行2026年第一次临时股东会也审议通过了《关于选举梁衍波先生为第五届董事会执行董事的议 案》。 ...

2月3日金融一线消息，青岛农村商业银行股份有限公司（简称"青农商行"）发布第五届董事会第十七次 临时会议决议公告，会议审议并通过《关于选举青岛农村商业银行股份有限公司第五届董事会董事长的 议案》，同意选举梁衍波为该行第五届董事会董事长，其董事长任职资格需经国家金融监督管理总局青 岛监管局核准。 简历显示，梁衍波，1978年8月生，研究生学历，工商管理硕士学位。曾任博山农商银行党委书记、董 事长，山东省农村信用社联合社菏泽审计中心党委委员、副主任，枣庄农商银行党委书记、董事长，济 南农商银行党委书记、董事长。2025年12月至今，任青岛农商银行党委书记。 责任编辑：秦艺 2月3日金融一线消息，青岛农村商业银行股份有限公司（简称"青农商行"）发布第五届董事会第十七次 临时会议决议公告，会议审议并通过《关于选举青岛农村商业银行股份有限公司第五届董事会董事长的 议案》，同意选举梁衍波为该行第五届董事会董事长，其董事长任职资格需经国家金融监督管理总局青 岛监管局核准。 责任编辑：秦艺 简历显示，梁衍波，1978年8月生，研究生学历，工商管理硕士学位。曾任博山农商银行党委书记、董 事长，山东省农村信用社联合社菏泽审计中心 ...