独立日

从双“万亿”跨越看懂重庆银行的“长期主义”_我的网站

一 |     　　8月20日，重庆银行交出2026年半年度成绩单。

二 |     Eknath Shinde was welcomed with much pomp and show on his first visit to his home district of Thane since becoming Maharashtra's state chief on Thursday.,The wife of the legislator from Kopri-Pachpakhadi constituency of Thane district, adjoining state capital Mumbai, was seen playing drums outside their residence in a video that has gone viral online.,According to Indian media, Lata Shinde played a key role in her husband Eknath's rise as a politician, who had been the de-facto No.2 in Shiv Sena.,Wife of #Maharashtra CM #EknathShinde, #LataShinde, played drums to welcome him in Thane. pic.twitter.com/u1ggibf7SN— Talora Maahi (@TaloraMaahi) July 6, 2022,Eknath worked as an autorickshaw driver before starting his political innings with Shiv Sena in the 1990s. Subsequently, he was named the Thane District chief by the party in 2005 after being elected to the Maharashtra state assembly the previous year.Since 2004, the 58-year-old politician won four consecutive elections in Kopri-Pachpakhadi and served as the leader of the opposition and minister in back-to-back governments before taking charge as the state chief earlier this month.His elevation to the state's top post came after he rebelled against his own party boss Uddhav Thackeray last month, taking away a large chunk of legislators along with him, first to Gujarat state and then Assam state. Both are federally governing Bharatiya Janata Party (BJP)-led states.On Monday, Eknath won a crucial vote of confidence to prove his government's majority in the state assembly with the help of the BJP, which has 106 lawmakers in Maharashtra.Last night, he went on his maiden visit to Thane after being made state chief. When he reached the Anand Nagar area of the city, a large crowd showered him with flower petals.Shinde's show of strength in Thane appears to be a signal to his predecessor and Shiv Sena chief Uddhav Thackeray that his revolt against him has been endorsed by the state's electorate.,Want to know more? Check out our Koo & Telegram accounts!,Koo: https://www.kooapp.com/profile/sputniknews,Sputnik India: https://t.me/sputniknewsindia。

三 | 在银行业整体承压的背景下，这家西部城商行以一组连续、扎实的数据，勾勒出一条“稳中有进、质效双升”的发展曲线：集团总资产站上11089亿元，法人资产同步突破万亿门槛，实现“双万亿”历史性跨越；营收、净利润连续四个季度保持“双十”增长，不良贷款率降至1.11%，拨备覆盖率升至247.31%——规模、效益、质量三者协同向好，折射出该行长期主义的经营哲学。　　“双万亿”不是简单扩容，而是结构与效率的同步进阶　　资产规模突破万亿，对任何一家银行都是重要里程碑。但重庆银行的“双万亿”更值得关注的是其内涵：存款余额较年初增长10.87%，贷款增长9.63%，存款增速持续跑赢贷款增速，负债端基础更加扎实；利息净收入同比增长26.04%，净资产收益率同比提升0.51个百分点，连续4个季度改善，说明规模扩张有效转化为了盈利动能。　　在资产质量端，不良贷款率降至1.11%，关注类贷款占比下降0.13个百分点，普惠小微不良率与关注率“双降”，不良生成率创近三年新低。

四 | 这一组数据指向同一个事实：该行并未因追求规模而放松风控，反而在扩张中持续加固风险底座。资本充足率、流动性比率等指标均保持稳健，安全边际充足。　　战略锚定区域大局，金融活水精准注入国家战略“主通道”　　一家银行的成长半径，往往取决于其与时代大势的交集深度。重庆银行将自身发展深度嵌入成渝地区双城经济圈、西部陆海新通道等国家战略，上半年向双城区域提供信贷支持超1400亿元，陆海新通道融资余额超600亿元。这不是简单的信贷投放，而是通过设立产业金融创新试验区、出台专项行动方案，将金融资源与重大项目、重点产业精准对接，为两江新区中医院迁建、高新区含谷智能制造产业园等一批基础设施及产业园区项目提供有力融资支持。

五 | 　　在跨境金融领域，该行落地重庆市首笔“出口关单+中信保保单+国际汽车联运货物运单”为核心的三单融资、首笔外币计价玉兰债等业务，持续推动跨境金融创新发展。投行条线表现尤为突出：非金融企业债务融资工具承销笔数、承销份额、市场占有率在重庆区域主承销商中排名第一，承销份额在西部法人银行主承销商中排名第一；上半年引资入渝超140亿元，区域金融“主力军”角色愈发清晰。　　做实金融“五篇大文章”，从制造业到田间地头皆见深耕足迹　　服务实体经济的成色，决定了一家银行的长期价值。

六 | 重庆银行紧扣“33618”现代制造业集群和“416”科技创新布局，实现制造业贷款规模超410亿元，服务客户3200余户，重庆区域制造业中长期贷款同比增速超40%；科技型企业贷款增速达27.3%，显示出对新质生产力的精准支持。　　绿色金融方面，该行规模站上1069亿元，落地全国首笔跨省域GEP挂钩贷款，并牵头编制《重庆市“工业绿效贷”业务操作指南》，成为全国首个与工业企业绿色能效水平挂钩的绿色金融操作规范，将绿色标准从概念推向实操。普惠金融领域，普惠小微贷款余额达776.47亿元，稳居西部上市城商行首位；涉农贷款余额超570亿元，创新“巫山脆李贷”“普惠云·气象贷”等地域特色产品，通过产品扩容升级持续增强金融供给。　　数字金融重塑肌理，科技不再是“配角”　　重庆银行数字化转型的独特之处在于，它不是把科技当作锦上添花的工具，而是作为重塑业务流程的核心引擎。上半年，该行建成生成式人工智能应用管理平台，部署“通义千问”大模型，落地7大AI应用场景；“重银晓AI”使用人数较年初增长55%，移动展业累计完成交易140.9万笔，以高频交易为主的手机银行线上业务替代率达96.61%。数据治理方面，内拓数据1100余项，外引数据源60余项，支撑业务系统用数超3.2亿次，员工用数较上年增长4倍——数字化已从后台渗透到营销、审批、风控、合规每一个环节。　　正是这种系统性变革，使得该行能够在保持规模扩张的同时，持续优化成本收入比和风险定价能力，也为其连续11年跻身全球银行300强、连续9年获得标准普尔国际投资级评级提供了内在支撑。　　站在“双万亿”的新起点，重庆银行面临的挑战依然不小：利率市场化、区域竞争加剧。但2026年上半年的这份答卷，至少证明了一条路径——以战略定力锚定国家大局，以专业深耕服务实体经济，以科技内功提升经营质效，地方城商行完全可以在高质量发展中走出自己的节奏。

七 | 该行相关负责人表示，将继续锚定“全国一流上市商业银行”愿景，把自身发展深度融入现代化新重庆建设大局，以更加务实的金融担当，助力区域经济行稳致远。责任编辑：孙同怀。

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Published on:14:46:15