Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视
随机图片

天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视

更新时间: 浏览次数: 793

 
天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视123456已更新(123456已更新)



Random Image



天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视在线观看电话:(1)123456(点击咨询)(2)123456(点击咨询)









天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视24小时热线(1)123456(点击咨询)(2)123456(点击咨询)





天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视24小时在线观看电话《今日发布》

天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视附近上门电话









7天24小时人工电话为您、天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视团队在调度中心的统筹调配下,线下专业及各地区人员团队等专属,整个报修流程规范有序,后期同步跟踪查询公开透明




天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视在线观看查询









天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视24小时在线观看电话:

 那曲市(双湖县、索县、巴青县、比如县、尼玛县、安多县、嘉黎县、班戈县、聂荣县、色尼区、申扎县)





渭南市(华阴市、白水县、合阳县、大荔县、华州区、韩城市、澄城县、富平县、临渭区、潼关县、蒲城县)









淄博市(淄川区、高青县、沂源县、张店区、周村区、临淄区、博山区、桓台县)









塔城地区(乌苏市、塔城市、托里县、和布克赛尔蒙古自治县、裕民县、沙湾市、额敏县)  临夏回族自治州(临夏县、广河县、积石山保安族东乡族撒拉族自治县、康乐县、临夏市、永靖县、和政县、东乡族自治县)









徐州市(贾汪区、铜山区、新沂市、泉山区、睢宁县、鼓楼区、沛县、丰县、云龙区、邳州市)









定西市(通渭县、漳县、临洮县、陇西县、安定区、岷县、渭源县)









湘西土家族苗族自治州(泸溪县、花垣县、凤凰县、保靖县、龙山县、吉首市、永顺县、古丈县)庆阳市(庆城县、环县、宁县、西峰区、合水县、正宁县、镇原县、华池县)









宣城市(郎溪县、宁国市、泾县、绩溪县、宣州区、旌德县、广德市)  惠州市(惠阳区、惠东县、惠城区、龙门县、博罗县)









宜昌市(猇亭区、西陵区、五峰土家族自治县、当阳市、夷陵区、远安县、枝江市、兴山县、点军区、秭归县、伍家岗区、宜都市、长阳土家族自治县)









江门市(恩平市、江海区、新会区、台山市、蓬江区、鹤山市、开平市)









枣庄市(台儿庄区、山亭区、薛城区、市中区、滕州市、峄城区)鹰潭市(贵溪市、余江区、月湖区)









岳阳市(平江县、临湘市、汨罗市、君山区、湘阴县、岳阳楼区、云溪区、华容县、岳阳县)









宿州市(萧县、埇桥区、砀山县、灵璧县、泗县)









拉萨市(当雄县、林周县、墨竹工卡县、堆龙德庆区、尼木县、曲水县、达孜区、城关区)









大兴安岭地区(呼玛县、塔河县、漠河市)









延边朝鲜族自治州(延吉市、敦化市、图们市、汪清县、龙井市、珲春市、和龙市、安图县)









珠海市(金湾区、斗门区、香洲区)

民生银行营收净利双降背后,资产质量承压以及大股东关联交易遗留问题等多重挑战叠加引发担忧,与此同时,高管薪酬却逆势领跑行业。

近日,民生银行公布的业绩报告显示,2024年实现营业收入1362.9亿元,同比下降3.21%;实现归属于股东的净利润322.96亿元,同比减少9.85%,交出了近几年最差成绩单。不仅在已披露年报的A股上市银行中垫底,更折射出民生银行深层次经营困境。

业绩下滑的同时,民生银行资产质量继续承压,截至2024年末,民生银行不良贷款总额656.10亿元,比上年末增加5.13亿元;不良贷款率1.47%,比上年末下降0.01个百分点;拨备覆盖率141.94%,比上年末下降7.75个百分点。

此外,在股东层面,泛海集团、东方集团等曾是民生银行的重要股东,但近年来相继出现财务危机,导致相关贷款面临巨大风险。值得关注的是,虽然业绩下滑,但民生银行高管薪酬却逆势领跑行业,包括董事长高迎欣在内的多位核心高管薪酬更是在百万以上。

针对上述经营业绩、资产质量、股东关联贷款风险以及高管薪酬等问题,发现网向民生银行发送采访调研函,截至发稿前,民生银行未就相关问题给予合理解释。

营收净利双降创近年最差业绩

近日,民生银行交出了近13年最差成绩单,引起了市场的关注。民生银行公布的业绩报告显示,2024年实现营业收入1362.9亿元,同比下降3.21%;实现归属于股东的净利润322.96亿元,同比减少9.85%。净利润规模较2019年高峰期已腰斩近四成,创近12年来最低记录,同时也是上市银行中表现最差银行之一。

(主要财务数据截图:民生银行2024年度报告)

从收入构成来看,2024年,民生银行利息净收入为986.9亿元,同比下降3.65%;非利息净收入为376亿元,同比下降2.05%。在非利息净收入中,手续费及佣金净收入为182.45亿元,同比下降9.91亿元,降幅5.15%,主要由于代理保险、代理基金费率下调,代理及受托业务手续费收入出现了同比下降。

净息差是衡量银行盈利能力的关键指标,近年来进入低利率时代,使得银行业息差水平整体承压。2024年民生银行净息差1.39%,同比下降7BP,降幅同比收窄7BP;明显低于股份制商业银行1.61%至1.63%的平均水平。

(按五级分类划分的贷款分布情况:民生银行2024年度报告)

业绩下滑的同时,资产质量的恶化趋势不容乐观。数据显示,截至2024年末,民生银行不良贷款总额656.10亿元,比上年末增加5.13亿元;不良贷款率1.47%,比上年末下降0.01个百分点。表面上,民生银行2024年不良贷款率为1.47%,与2023年的1.48%相比略有下降,但内部数据却显示风险仍在加剧。损失类贷款激增66%至334.5亿元,房地产贷款不良率攀升至5.01%。

数据还显示,2024年民生银行次级类贷款迁徙率从2023年的45.06%飙升至86.85%,几乎翻倍;可疑类贷款迁徙率从46.63%上升至79.02%,均创近三年新高。损失类贷款金额从2023年的201.15亿元增至334.50亿元,一年内增加了133.35亿元。

另外,信用卡业务问题尤为突出。2024年,民生银行的个人贷款和垫款不良贷款总额达318.22亿元,比上年末增加49.67亿元,不良贷款率升至1.80%。其中信用卡不良贷款率高达3.28%,远高于其他业务类别。2025年初,民生银行通过公开竞价方式批量转让信用卡不良债权,涉及金额达60.28亿元,成为近年来国内银行业最大规模的信用卡不良资产交易之一。

与此同时,民生银行信用减值损失持续高企,2024年达454.74亿元,占当年归母净利润的140.80%。高额的信用减值损失,直接侵蚀了民生银行的利润,导致其净利润大幅减少,资产质量压力进一步增加。

股东关联交易风险:泛海、东方集团旧疾未愈

股东问题则是民生银行面临的另一大挑战。在股东层面,泛海集团、东方集团等曾是民生银行的重要股东,但近年来相继出现财务危机,导致相关贷款面临巨大风险。2024年,民生银行股东关联贷款(泛海、东方、恒大合计353亿元)形成重大风险敞口。

创始股东中的泛海集团、东方集团等近年来相继爆雷,给民生银行带来巨大风险敞口。其中,泛海集团高峰期占民生银行关联借款的80%,仅2023年两次被起诉的金额就超过百亿元,对民生银行来说无疑是雪上加霜。

对此,民生银行在2024年多次与泛海、东方两大股东对簿公堂,以挽回相关损失。目前中国泛海控股集团有限公司仅持有1股该行股票,已不再是主要股东,已经向北京金融法院就泛海集团对该行的欠款提起了诉讼。2024年末,泛海系在民生银行贷款余额为184.84亿元,泛海系贷款主要担保为武汉地区的土地抵押,武汉中心大厦的在建工程抵押以及部分商业房地产抵押和部分的股权质押等。

东方集团同样曾是民生银行的重要股东之一,2025年3月,东方集团被证监会认定2020-2023年通过虚构业务系统性虚增营收超161亿元,启动强制退市程序。截至2024年底,东方集团在该行的关联贷款规模余额为76.94亿元,与上年末相比减少约19亿元。

可以说,股东问题不仅给民生银行带来了直接的财务风险,还引发了市场对其资产质量和经营稳定性的担忧。

高管薪酬“逆势领跑”激励与业绩表现背离

据年报披露,民生银行2024年业务及管理费支出共计513.18亿元,同比增长0.95%。其中,员工薪酬(包括董事薪酬)支出313.15亿元,同比减少2.68%。根据该行在职员工数量63490人计算,该行2024年人均薪酬为49.32万元,较2023年同期的50.48万元减少1.16万元,降幅2.29%。

(业务及管理费用截图:民生银行2024年度报告)

让投资者大跌眼镜的是,民生银行高管却以4048.54万元的薪酬总额领跑上市银行,其中,董事长高迎欣334.63万元年薪居行业之首,与员工人均薪酬下降2.29%形成明显对比。此外,行长王晓永2024年税前年薪为183.05万元(2024年4月上任),副行长张俊潼2024年税前年薪为286.21万元,副行长石杰、李彬、林云山3人2024年税前年薪均为248.41万元。另据Wind数据显示,2023年,民生银行董监高薪酬总额为4681.7万元,居银行业之首。在银行业董事长薪酬中,民生银行董事长高迎欣的薪酬为373.52万元,虽然较2022年减少了241.86万元,但仍然是A股上市银行之首。

业绩下滑,民生银行市值出现断崖式下跌,民生银行A/H股2024全年累计跌幅分别达12%、18%,市值蒸发约580亿元,市净率(PB)跌至0.3倍(A股),显著低于股份制银行平均水平(0.5倍),位列行业末位。

民生银行的困境折射出民营银行在公司治理、股东制衡与市场化经营间的深层矛盾。短期来看,房地产风险化解和股东关联资产处置将决定其资产质量拐点;中长期则需通过优化股权结构、重塑激励机制,真正回归业务本源。若不能加快风险出清与战略转型步伐,其业绩复苏之路或将更加漫长。

(记者罗雪峰财经研究员周子章)

天使与魔鬼电影:带你走进精彩世界,发现不容错过的热门视的相关文章 巴西取代美国成中国最大的大豆供应国的相关文章
港媒放出王菲谢霆锋相恋高清旧照
女友拒绝去男方家过年遭捅刺
「用户直连制造」的海尔洗衣机
卷出新高度的 AI 家电
双成药业可能被实施退市风险警示
李春丽回应参加澳门世界杯
  • 友情链接:
  • 白鹿讲述职场里肯定有多重要 探访丨昆明一商铺起火致8人死亡,邻居:涉事店铺维修电动自行车 下赛季英超最多7支球队可踢欧冠 古特雷斯称加沙成为杀戮之地 王思聪卖 29.9 元的平价牛排,目前业绩如何?牛排这个品类,在中国能复制瑞幸 9.9 元的神话吗? 男子卖出9年前买的金项链净赚近3万 专访日本“机器人工学第一人”石黑浩:人形机器人市场形成最快还需5年 中国 C909 飞机圆满完成老挝首次商业飞行,这对中国航空工业有何意义? 越南年轻人多次提到《难哄》 撒旦和路西法放在中国神话里是什么级别的神? 一文披露美针对亚冬会网攻细节