十二怒汉

中收下滑54.8%，5200亿温州银行拟申请设立理财子、资金运营中心、消金“三大牌照”意味着什么？_我的网站

一 |     From 7 a.m. onward Sunday, ballot boxes in Poland started filling up so fast that spare ones had to be dusted off and more ballots needed to be printed. No one had anticipated such long lines throughout the country.Voting was to end at 9 p.m., but by law, polling stations stayed open to accept all who queued up, and the last one closed at 5 a.m. Monday. Some voters braved the night chill for up to eight hours to cast their vote.This resulted in a record turnout of nearly 74% -- highest voter turnout in Poland since 1919 and even higher than that of the first free elections after the fall of communism in 1989.The high turnout confirmed that millions of Poles agree these parliamentary elections may have been the most decisive in the last three decades. Either they would allow the ruling right-wing populist Law and Justice (PiS) party to extend its eight-year hold on power for another four-year term, or they would opt for the return of a liberal democracy.Late poll figures univocally indicate that opposition parties stand a realistic chance to form Poland's next government.The PiS conservatives currently in power took 36% of the vote, but that doesn't translate into a seat majority in parliament, which would allow it to form a Cabinet. Latest polls show they would have 196 deputies in the 460-seat legislature as opposed to 249 seats won by the broad Civic Coalition of opposition parties led by Donald Tusk, former president of the European Council.Sunday's vote was a confrontation of two radically different visions of Poland's future.Conditioned by PiS propaganda that has continually been exploiting fears, PiS supporters claim only that party can secure Poland's sovereignty and protect its interests. The threat of illegal migrants is perhaps the most unifying emotion binding the PiS electorate.Supporters see PiS as their only protector from the alleged dominance of European Union bureaucrats in Brussels and their meddling in Polish affairs.PiS voters turn a blind eye to the fact that the country began to drift toward authoritarian rule, authorities neglect the EU's legal norms and the country continues on a collision course with the Union. Some €36 billion of EU COVID pandemic recovery funds have been frozen in a row over PiS judicial reforms. Many observers believe another PiS term would result in Poland leaving the European Union.Germany, Poland's by far most important trade partner and neighbor, is presented as another source of fear and the country is made out to be an ally of Russia, Poland's greatest foe throughout centuries. But if it's not the threat of German capital buying out Polish industry, then it's the threat of moral decay.In order to appeal to radical voters who accuse the government of extending excessive welfare to Ukrainian refugees, authorities cynically strained relations with Kyiv.PiS voters declare the fear that if the party loses, the next government would take away the generous social benefits PiS guaranteed, such as 14 pensions, child care payments and early retirement.Those who Sunday voted for parties forming the anti-PiS coalition declare they voted for a Poland securely rooted in the European Union.In radio and TV street interviews, they say they want to see Poland mend its strained relations with neighbors, particularly Germany and Ukraine.They do not want to see the Catholic Church influencing state affairs.Sixty-four percent of those polled declare they're in favor of same-sex marriages, and 70% want the new government to liberalize the current strict anti-abortion law.It is uncertain whether Poland's new government will be prepared to meet the more liberal postulates voters expect. The potential ruling coalition's unifying factor is its pro-democratic, pro-EU, anti-PiS stance. Other than that, they often differ in their proposed policies and outlook. They're a broad coalition composed of parties spanning from the far left to liberal conservative.The Civic Coalition's clear victory makes it the only faction in parliament able to constitute Poland's new government. But first, Polish President Andrzej Duda, a PiS nominee, will need to designate a prime minister. Most likely, against the odds, he will name a PiS candidate. That candidate will have little realistic chance of being approved by parliament, and Poland may be faced with many weeks of squabbling and chaos. Constitutionalists predict it may not be until December that Poland gets its new government.。    　　来源：今日行长　　温州银行将择机申请设立理财子公司！　　又一城商行提出争取申请设立理财子公司！　　2026年8月25日，温州银行在官网发布的《中共温州银行委员会关于巡察整改情况的通报》中，明确指出将在未来五年内争取申请理财子公司、资金营运中心、消费金融牌照，并在监管允许的情况下，择机、择优申请相关牌照与业务资格，持续构建多元利润来源，提升核心竞争力。　　从业绩看，温州银行连年增势迅猛。连续五年营收、净利双增：2025年实现营收104.07亿元，同比增长12.31%，较2021年末水平几乎翻倍；去年实现归母净利润20.93亿元，同比增幅9.02%，较2021年末增长957.07%。

二 | 　　不过，温州银行依旧任重道远。

三 | 事实上，理财子扩容的窗口停摆已近三年。2023年12月，浙银理财获批筹建，成为最近一家拿到理财子批文机构。此后，国内再无一家新的商业银行理财子公司牌照获批筹建……　　温州银行去年末个贷占比44%，中收同比下滑54.8%　　据悉，温州银行零售属性相当明显，是一个靠小微和个人撑起来的城商行。换句话说，拓展理财、资金营运中心、消金牌照，实际是该行在零售端产品延伸和利润挖潜的新尝试。　　截至2025年末，该行资产总额为5213.9亿元，同比增长了3.17%；贷款总额为3163.01亿元，同比增长了6.32%。截至2026年6月末，该行总资产规模5179亿元，贷款总额3278亿元。　　其中，零售业务在资产端形成实质性支撑。截至2025年末，温州银行个人贷款余额1394.54亿元，同比增长11.99%，占总贷款的比重已达44.09%，下辖个人经营贷款科目余额1055.04亿元、个人消费类贷款余额314.55亿元。利息收入结构里，来自个人贷款和垫款业务的利息收入占比41.93%。同时，在温信贷这款拳头产品上，余额已经超过1000亿元、占全行贷款规模约三分之一。　　不过，其零售业务增长也面临考验。2024年末，温州银行手续费及佣金收入一度同比猛涨302.17%至9.32亿元，不过时隔仅一年，该指标便回落至4.21亿元，降幅达54.8%，零售中间业务收入来源波动性较大，可持续盈利能力有待进一步夯实。　　理财端，截至2025年末，温州银行理财产品存续规模535.14亿元、理财资产合计560.28亿元，产品体系以固收类为基石，适时增发混合类私募理财。

四 | 相较于国内已经开业的8家城商行系理财子公司，即使是规模最小的青银理财也有2056亿元，仍相差接近四倍，体量悬殊。　　除上述差距外，温州银行在理财子公司设立硬性门槛上也面临现实挑战。监管明确要求申请机构注册资本最低10亿元且一次性实缴、理财业务专营部门连续运营3年以上、最近3个会计年度连续盈利、监管评级良好等。温州银行虽理财业务运转多年，相关条件虽然有积累，但相比头部城商行系仍略显薄弱。　　资料显示，温州银行成立于1998年12月，前身为温州市商业银行，2007年更为现名。截至目前，该行已先后进行了多轮增资扩股，注册资本增至66.92亿元，分支机构覆盖上海、杭州、宁波等10个城市，营业网点达190家，员工总数超过5000人。

五 | 　　中小银行竞逐理财牌照，抱团申设、“一省一牌照”模式百出　　时间拉长来看，中小银行对“理财子牌照”的需求已呼之欲出。

六 | 　　今年8月11日有消息称，由四川农商联合银行牵头，联合四川银行、成都银行、成都农商行共同发起设立银行理财公司，专项工作组已经组建完成、四家机构均抽调理财条线核心业务人员入驻；同月，有媒体披露，场地选址、制度设计、申报材料撰写等落地筹备工作已经全面启动。　　如果上述方案最终落地，将是国内首家由多家城商行、农商行联合出资设立的理财子公司，也会为四川本土补上持牌理财机构的空白。

七 | 　　此外，完成改制后的浙江、江苏两地农商联合银行，也在以改制后组建的农商联合银行名义申请理财子公司牌照，因超5万亿元、7万亿元量级的体量，在联合申牌路径上具备先天规模优势，常常被业内视为“一省一牌照”模式的潜在落地试点，目前仍在等待相关部门反馈。　　值得一提的是，在温州银行董事会的股东名单中，浙江农信系统合计持股20.26%，仅次于大股东温州国有金融资本管理公司。这一持股结构，使得温州银行在申牌路径上并非完全独立——其第二大股东浙江农商联合银行本身也在申请理财子公司牌照。从省域维度看，温州银行作为城商行，能否参与浙江省内的联合申设，目前尚待监管与股东双方的多轮协商。

八 | 　　同时，河南也在筹划推动中原银行、郑州银行、中原农险等地方金融机构，联合发起银行理财子公司和保险资产管理公司。　　中小银行“抱团”竞逐理财子牌照，背后实际是近年来急剧加速的行业格局重塑。

九 | 《中国银行业理财市场半年报告（2026年上）》显示，截至2026年6月末，银行理财市场存续规模33.66万亿元，其中32家理财公司市场份额高达92.6%；同期未设立理财子公司的54家中小银行，自营理财存续规模合计1.05万亿元，较2025年末缩水约5.09%。　　同时，部分省份明确要求辖内未设立理财公司的中小银行在2026年底前完成存量自营理财规模压降。8月以来，监管口径有所松动，部分区域可经与属地监管沟通后无须严格执行清零指令，但整体趋势不变：要么拿到牌照自己做，要么转型为代销渠道。　　截至目前，全国共有32家在营理财子公司，分别隶属6家国有行、12家股份行、8家城商行、1家农商行以及5家外资合资。在理财业务向持牌化、规范化集中的大趋势下，留给未持牌中小银行的理财之路将走向何方，将由市场和监管共同给出答案。责任编辑：曹睿潼。

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