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编辑 | 蛋总

jinri，xibushoujia“a+h”shangshichengshangxing——zhongqingyinxingpilu2024nianqiansanjiduyejibaogao。

sanjibaoxianshi，zhongqingyinxingyingshou、jinglirunjunshangzhang，yanxuzhongbaozoushi。jiezhibaogaoqimo，zhongqingyinxingyingyeshourutongbizengzhang3.78%，guimujingliruntongbizengzhang3.7%。

gongkaiziliaoxianshi，zhongqingyinxingshizhongguoxibuhezhangjiangshangyoudiquchenglizuizaodedifangxinggufenzhishangyeyinxingzhiyi。2013nian，zhongqingyinxingzaixiangganglianjiaosuoshangshi，chengweishoujiazaixianggangshangshideneidichengshangxing。2021nian，gaixingzaishanghaizhengquanjiaoyisuoshangshi。

jinnianlai，“zenglibuzengshou”dewentiyizhikunraozhezhongqingyinxing。zijinnianerjiduyilaigaixingyisaoyejituishi，chengxian“shuangzeng”shitou。buguocaibaoxianshi，gaixinglixijingshoururengxiahua，bufenxingyebulianglvpiangao。

zi2023nianyilai，zhongqingyinxinggaocengguanlituanduidadiaozheng，duoweigaoguanliren、“yi、erbashou”junyougengti。jingguoyixiliegaocengdiaozheng，dangxiazheijialiangdishangshichengshangxingdegaoguanzhenrongnianqinghuaqushimingxian。

zaixinrenlingdaobanzidailingxia，zhongqingyinxingjingyingzhibiaonengfouchixugaishan？

01 营收连降两年后，迎“双增”

zai2024niannianzhong，zhongqingyinxingzongzichanguimoyitupo8000yidaguan。

sanjibaoxianshi，jiezhi9yuemozhongqingyinxingzichanzongeda8241.44yiyuan，jiaoshangnianmozengjia642.60yiyuan，zengfu8.46%。gaixingkehucunkuan4635.87yiyuan，jiaoshangnianmozengjia 487.74yiyuan，zengfu11.76%。kehudaikuanjidiankuanzonge4332.63yiyuan，jiaoshangnianmozengzhang403.28yiyuan，zengfu10.26%。

ciwai，zhongqingyinxingdeyingshouguimujinglirunjunshixianzengzhang。

jiezhi2024nian9yuemo，zhongqingyinxingshixianyingyeshouru106.34yiyuan，tongbizengzhang3.78%；shixianguishumugongsijinglirun44.28yiyuan，tongbizengzhang3.7%；disanjidu，gaixingshixianyingyeshouruyujinglirunfenbiewei34.76yiyuanhe14.95yiyuan，zengfufenbiewei6.24%he3.36%。

buguo，congyingshoudexifenxianglaikan，zhongqingyinxinglixijingshouruxiahua，yingshouzengzhangzhuyaodeyiyuzhongjianyewushouruyijitouzishouyidezengzhang。

图 / 重庆银行2024年三季报

2024nianqiansanjidu，zhongqingyinxinglixijingshourushixian79.15yiyuan，tongbijianshao1.82%；shouxufeijiyongjinjingshouru7.72yiyuan，tongbizengzhang128.99%。touzishouyi18.74yiyuan，tongbishangzhang16.98%。

yizhiyilai，lixijingshouruweizhongqingyinxingzuizhuyaodeshourulaiyuan。jinnianlaizhongqingyinxinggaixiangshouruchengya，“zenglibuzengshou”xianxiangmingxian。

liniannianbaoshujuxianshi，2021zhi2023nian，zhongqingyinxingguimujinglirunfenbiewei46.64yiyuan、48.68yiyuan、49.3yiyuan；yingyeshourufenbieshi145.15yiyuan、134.65yiyuan、132.11yiyuan。

yingshouzhuanzhedianfashengzai2022nian，dangniangaixingguimujingliruntongbizengjia4.38%，yingshouquehanjianchuxianxiahuatongbijianshao7.23％。zheiyeshigaixingshinianyilaishoucichuxianyingshouxiahuadexianxiang。

lixijingshourujianshaoshizhongqingyinxingyingshouxiahuadezhongyaoyuanyin。2022nian，gaixingshixianlixijingshouru108.08yiyuan，jiangfuwei6.8%，2023nianshixianlixijingshouru104.47yiyuan，jiangfu3.34%。

jinglirundezengzhangzezhuyaoyuanyujitijianzhizhunbeizheiyizhichuxiangdejianshao。2021nianzhi2023 nian，zhongqingyinxinggaixiangzhichufenbiewei51.1yiyuan、35.58yiyuanji32.4yiyuan，jinliangnianjitijianzhizhunbeiguimotongbixiajiang30.37%、8.94%。

2024nianzhongbaoxianshi，zhongqingyinxingjinglixishouyilv1.42%，tongbirengranxiajiangle0.21gebaifendian。（bianzhean：yibaneryanjinglixishouyilvshizhiyinxingdejinglixishouruyupingjunshengxizichanzongedebilv，yongyuhengliangyinxingshengxizichanhuoqujinglixishourudenengli。）

zhongqingyinxingzai6yuepilutouzizheguanxihuodongjilubiaozhongxianshi，shoushichanglilvxiaxing、chixuranglishitijingjidengyinsuyingxiang，jinnianyinxingyejingxicharengranchengya，zhongqingyinxingyijianlixichaguankongjizhi，shenhuaxichaguanli，yajiangfuzhaichengben。

02 不良一升一降，部分行业不良率偏高

zichanzhiliangfangmian，zhongqingyinxingbuliangdaikuanyue、buliangdaikuanlvyishengyijiang。

jiezhi2024nian9yuedi，zhongqingyinxingbuliangdaikuanyue54.41yiyuan，jiaoshangnianmozengjia2.29yiyuan；buliangdaikuanlv1.26%，jiaoshangnianmoxiajiang0.08gebaifendian,jiaonianzhongde1.25%shangsheng0.01gebaifendian。

baogaoqimo，zhongqingyinxingbobeifugailv250.19%，jiaoshangnianmoshangsheng16.01gebaifendian。hexinyijizibenchongzulvwei10.02%，yijizibenchongzulvwei11.37%，zibenchongzulvwei14.68%，manzuzhongguoyinxingyezuixindezibenchongzulvjianguanyaoqiu。

genju《shangyeyinxingjinrongzichanfengxianfenleibanfa》yaoqiujinrongjigoubaxindaizichanhuafenweizhengchang、guanzhu、ciji、keyihesunshiwugeleibie，qizhongciji、keyihesunshileidedaikuanweibuliangdaikuan。

zhongqingyinxingsanjibaozhongbingweipilubuliangdaikuandewujifenleiqingkuang，dancongzhongbaozhongkeyikanchu，2024nianshangbannianzhongqingyinxingcijileidaikuanjinexiajiangmingxian，tongbixiajiang3.11yiyuan，keyileidaikuan、sunshileidaikuanyuefenbieshangsheng0.92yiyuan、2.22yiyuan。

jiezhijinnianshangbannian，lingshoudaikuanbuliangdaikuanlv2.44%，jiaoshangnianmoshangsheng0.46gebaifendian；gongsidaikuanbuliangdaikuanlv0.99%，jiaoshangnianmoxiajiang0.34gebaifendian。

conggongsidaikuandexingyehuafenlaikan，zhongqingyinxingbuliangdaikuanlvpiangaodeduogexingye，jiaoqunianniandijunyougaishan。

图 / 重庆银行2024年中报

qizhong，2024nianshangbannian，caikuangyebuliangdaikuanlvbishangniannianmoxiajiangle5.59gebaifendian，jiangzhi1.86%；pifajilingshouyebuliangdaikuanlvbishangniannianmoxiajiangle2.62gebaifendian，jiangzhi2.57%。

danfangdichanyebuliangdaikuanlvrengjuyugaowei。nianbaoshujuxianshi，zhongqingyinxingfangdichanyebulianglvlianxuduonianchixupansheng。2020nianzhi2022nianfenbiewei3.88%、4.71%、5.88%。2023nianzheiyizhibiaoshangshengzhi6.48%。zhongbaoxianshi，2024nianshangbannianbishangniannianmoxiajiangle0.7gebaifendian，danbulianglvrenggaoda5.78%。

zhongqingyinxingjinrongyebulianglvyezhideguanzhu。2023nianniandi，gaixingjinrongyedaikuanjinewei8.6yiyuan，buliangdaikuanjine1.48yiyuan，buliangdaikuanlvgaoda17.19%，yuangaoyugaixingqitaxingyedaikuan。

zhongbaoxianshi，baogaoqimogaixingjinrongyedaikuanjinezengjiazhi10.21yiyuan，dangaixingbingweigongbujinrongyezuixindebuliangdaikuanyue、buliangdaikuanlvqingkuang。zidancaijingjiugaixiangshujuqiuzhengzhongqingyinxingfangmian，jiezhifagaoshijianbingweidedaohuifu。

03 高管团队“大换血”，“一正五副”格局初显

2024niansanjibaofabuzhiqian，zhongqingyinxingduoweigaoguanbiandongyeyinfayejieduigaixinglingdaobanzideguanzhu。

10yue17ri，zhongqingyinxingturanfabugonggaocheng：yingongzuobiandongyuanyin，fuxingzhangliujianhua、yangshiyinciren。tongshi，jingdongshihuishenyitongguo，pinrenwangweilieweizongxingfuxingzhang。yirineiliangweifuxingzhangyingongzuobiandongyuanyinxieren，danrengjixuliuzaigaixinggongzuo。xinrenfuxingzhangwangweilieciqiandanrenneikongheguibuzongjingli。

dangqian，zhongqingyinxingxianrenlingdaobanzichengxian“yizhengwufu”geju，fenbiewei：xingzhanggaosong，fuxingzhangzhangsong、houximeng、licong、yanxiaochuanjiwangweilie。

zidancaijingzhuyidao，zi2023nianyilai，zhongqingyinxingcengfashengduoqirenshibiangeng。gaocengguanlituanduidadiaozheng，duoweigaoguanliren、“yi、erbashou”junyougengti。

2023nian8yue，danrengaixingxingzhang10yunianderanhailingdaolingtuixiu，“zhun80hou”gaosonghuopinzhongqingyinxingxinrenxingzhang。

gaosongchushengyu1979nian，cengzaijiaoxingzhongqingfenxinggongzuojin10nian，houjiaruzhongqingnongshangxing，lirenzongxingzichanbaoquanbufuzongjingli、qudaoguanlibuzongjingli、zongxingrenliziyuanbuzongjinglidengzhiwu。

jinru2024nian，zhongqingyinxinggaocengyinglaigengweizhongyaoderenshibiandong。

cengdailingzhongqingyinxingwanchengliangdishangshibujudelinjunxierendongshizhangyizhi，younongyeyinxingzhongqingfenxingdangweifushuji、fuxingzhangyangxiumingjieren。2yue20ri，zhongqingyinxingxuanbu，gaixingdongshihuixuanjuyangxiumingweidiliujiedongshihuidongshizhang，renqizihezhunzhiriqizhidiliujiedongshihuirenqijiemanshizhi。

jianlixianshi，yangxiumingchushengyu1970nian，gaojijingjishi，biyeyubeijingnongyedaxue，1994nian8yuehuodejingjixuexueshixueweihou，zaizhongguonongyeyinxinggongzuolejin30nian。

jingguoyinianduodediaozheng，zhongqingyinxingcongdongshizhang、xingzhangzaidaofuxingzhang，wanchengleyizhengtaolingdaobanzide“dahuanxue”。

zhengtilaikan，zheiyilungaocengbianzhen，zhongqingyinxingxinrengaoguannianqinghuaqushimingxian，junwei70hou。bufengaoguanwei75hou、qiejuyoudaxinglvlibeijing。yeneipubianguandianrenwei，xindelingdaobanzijiangweizhongqingyinxingzhuruhuoli。

buguo，chuqianshuyeji、zichanzhiliangzhiwai，gujiayeshixinrenlingdaobanziyingguanzhudeyidawenti。

2021nian2yue5ri，zhongqingyinxingyi10.83yuan/gudefaxingjiazaiagushangshi，shangshihougaixinggujiazuigaodianda14.23yuan/gu，dancihougaixinggujiachixuxiacuo，bingzhangqipojing。

huiasannianshijian，zhongqingyinxingyisicichufawendinggujiacuoshiqidongtiaojian。jinnian7yue25ri，zhongqingyinxingfabuzuijinyicidewendinggujiacuoshishishiwanchengdegonggao。gonggaocheng，genju2024nian2yuegongbufangan，gaixingyijizhongjingjiajiaoyifangshileijizengchibenxinggufen4030610gu，zhanbenxingzonggubende0.116%，leijizengchijine2942.67wanyuan。

图 / 重庆银行自上市以来的股价走向

dongfangcaifuwangxianshi，shoudapanyijizhongbaoyejishuangzengdengyinsuyingxiang，zijinnian9yuezhongxunzhongqingyinxingyinglaiyiboshangzhang。jiezhi11yue8ri，zhongqingyinxingshoupanjia9.45yuan/gu，jiaogaixinglishizuigaodianrengxiangchashenyuan。

suizhezhongqingyinxinglingdaobanzidejielianbuwei，guanlicengdebuquedingxingxiajiang。weilaizhongqingyinxingjingyingzhibiaonengfouchixugaishan，gujiazoushinengfouzhonghuigaoguangshike？zidancaijingjiangchixuguanzhu。