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
强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!
随机图片

强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!

更新时间: 浏览次数: 398

400电话:123456(点击咨询)
强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!各观看免费《今日汇总》
强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!各热线观看免费2025已更新(2025已更新)








强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!各区点热线观看免费《今日发布》
Random Image 强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!电话








7天观看免费人工电话为您、强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!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。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!各观看免费《今日汇总》2025已更新(今日/推荐)








强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!电话区域:








盘锦市(大洼区、双台子区、兴隆台区、盘山县)








赣州市(崇义县、会昌县、于都县、石城县、信丰县、定南县、寻乌县、瑞金市、大余县、全南县、上犹县、宁都县、安远县、章贡区、赣县区、龙南市、兴国县、南康区)








漯河市(临颍县、源汇区、舞阳县、召陵区、郾城区)








南京市(玄武区、六合区、建邺区、溧水区、浦口区、栖霞区、雨花台区、秦淮区、高淳区、鼓楼区、江宁区)  温州市(泰顺县、文成县、龙湾区、龙港市、平阳县、永嘉县、鹿城区、乐清市、瑞安市、洞头区、瓯海区、苍南县)








泰州市(海陵区、泰兴市、姜堰区、兴化市、高港区、靖江市)








平顶山市(石龙区、卫东区、叶县、汝州市、鲁山县、郏县、新华区、舞钢市、湛河区、宝丰县)








嘉兴市(平湖市、秀洲区、海宁市、桐乡市、南湖区、海盐县、嘉善县)








中卫市(中宁县、沙坡头区、海原县)  玉林市(容县、福绵区、玉州区、兴业县、陆川县、博白县、北流市)








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








淄博市(张店区、高青县、临淄区、博山区、周村区、沂源县、淄川区、桓台县)








海北藏族自治州(刚察县、门源回族自治县、海晏县、祁连县)








伊春市(丰林县、嘉荫县、伊美区、大箐山县、南岔县、友好区、铁力市、乌翠区、汤旺县、金林区)








临夏回族自治州(东乡族自治县、积石山保安族东乡族撒拉族自治县、临夏县、和政县、临夏市、广河县、永靖县、康乐县)








宁波市(江北区、余姚市、象山县、慈溪市、鄞州区、北仑区、奉化区、宁海县、海曙区、镇海区)








滁州市(定远县、来安县、琅琊区、天长市、凤阳县、全椒县、南谯区、明光市)








固原市(西吉县、隆德县、彭阳县、泾源县、原州区)








西藏自治区








定西市(岷县、漳县、陇西县、安定区、临洮县、渭源县、通渭县)








遵义市(仁怀市、习水县、道真仡佬族苗族自治县、余庆县、正安县、绥阳县、播州区、红花岗区、桐梓县、赤水市、汇川区、凤冈县、湄潭县、务川仡佬族苗族自治县)








淮安市(淮阴区、金湖县、盱眙县、洪泽区、涟水县、淮安区、清江浦区)








哈密市(伊吾县、巴里坤哈萨克自治县、伊州区)








安庆市(太湖县、宿松县、大观区、迎江区、怀宁县、宜秀区、潜山市、桐城市、望江县、岳西县)








鹤壁市(浚县、鹤山区、淇滨区、山城区、淇县)








厦门市(同安区、翔安区、海沧区、思明区、湖里区、集美区)








百色市(凌云县、隆林各族自治县、乐业县、右江区、德保县、平果市、田阳区、靖西市、西林县、田东县、那坡县、田林县)








克孜勒苏柯尔克孜自治州(乌恰县、阿克陶县、阿合奇县、阿图什市)








日喀则市(谢通门县、康马县、江孜县、定结县、昂仁县、白朗县、仲巴县、吉隆县、定日县、聂拉木县、亚东县、仁布县、拉孜县、萨嘎县、萨迦县、南木林县、桑珠孜区、岗巴县)
400电话:123456(点击咨询)
强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!各观看免费《今日汇总》《今日发布》
强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!各观看免费《今日汇总》(2025已更新)








强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!观看免费电话:(1)123456(点击咨询)(2)123456(点击咨询)








强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!观看免费热线(1)123456(点击咨询)(2)123456(点击咨询)




强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!各观看免费《今日汇总》【2025已更新列表】
强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!电话








7天观看免费人工电话为您、强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!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。








所有团队均经过专业培训、持证上岗,所用产品配件均为原厂直供,








强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!中心2025已更新(今日/推荐)








强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!电话区域:








六盘水市(水城区、六枝特区、钟山区、盘州市)








昆明市(石林彝族自治县、东川区、安宁市、嵩明县、西山区、禄劝彝族苗族自治县、宜良县、富民县、盘龙区、呈贡区、官渡区、寻甸回族彝族自治县、五华区、晋宁区)








宜宾市(叙州区、翠屏区、屏山县、兴文县、珙县、筠连县、长宁县、高县、南溪区、江安县)








保定市(顺平县、清苑区、雄县、涿州市、容城县、易县、涞源县、定兴县、涞水县、安国市、满城区、安新县、望都县、蠡县、徐水区、博野县、竞秀区、定州市、高碑店市、阜平县、唐县、莲池区、高阳县、曲阳县)  资阳市(乐至县、雁江区、安岳县)








赤峰市(巴林左旗、敖汉旗、克什克腾旗、红山区、元宝山区、阿鲁科尔沁旗、林西县、松山区、喀喇沁旗、翁牛特旗、巴林右旗、宁城县)








云浮市(罗定市、新兴县、云城区、云安区、郁南县)








江门市(蓬江区、江海区、台山市、恩平市、开平市、新会区、鹤山市)淮北市(相山区、杜集区、濉溪县、烈山区)








锦州市(北镇市、义县、黑山县、凌河区、凌海市、太和区、古塔区)  大庆市(大同区、让胡路区、肇源县、萨尔图区、红岗区、林甸县、杜尔伯特蒙古族自治县、肇州县、龙凤区)








齐齐哈尔市(碾子山区、龙江县、富拉尔基区、龙沙区、拜泉县、甘南县、讷河市、依安县、泰来县、铁锋区、昂昂溪区、富裕县、克山县、梅里斯达斡尔族区、建华区、克东县)








马鞍山市(雨山区、花山区、和县、当涂县、博望区、含山县)








东莞市菏泽市(成武县、单县、鄄城县、郓城县、定陶区、曹县、巨野县、牡丹区、东明县)








呼伦贝尔市(扎兰屯市、新巴尔虎右旗、鄂伦春自治旗、额尔古纳市、海拉尔区、陈巴尔虎旗、根河市、扎赉诺尔区、莫力达瓦达斡尔族自治旗、鄂温克族自治旗、新巴尔虎左旗、阿荣旗、满洲里市、牙克石市)








沈阳市(新民市、法库县、沈北新区、皇姑区、浑南区、和平区、辽中区、苏家屯区、铁西区、于洪区、康平县、沈河区、大东区)








南充市(高坪区、南部县、仪陇县、顺庆区、阆中市、嘉陵区、营山县、西充县、蓬安县)








济南市(商河县、槐荫区、平阴县、济阳区、钢城区、莱芜区、长清区、历下区、天桥区、历城区、章丘区、市中区)








天水市(秦安县、武山县、秦州区、清水县、甘谷县、麦积区、张家川回族自治县)








郴州市(安仁县、桂东县、资兴市、北湖区、宜章县、桂阳县、苏仙区、汝城县、永兴县、临武县、嘉禾县)








天津市(蓟州区、宁河区、静海区、河西区、滨海新区、北辰区、宝坻区、东丽区、河东区、武清区、红桥区、西青区、河北区、南开区、和平区、津南区)








信阳市(息县、罗山县、商城县、光山县、潢川县、固始县、平桥区、新县、淮滨县、浉河区)








日照市(五莲县、莒县、岚山区、东港区)








济宁市(金乡县、鱼台县、兖州区、嘉祥县、梁山县、微山县、泗水县、任城区、曲阜市、汶上县、邹城市)








德阳市(罗江区、广汉市、绵竹市、什邡市、旌阳区、中江县)








呼和浩特市(清水河县、玉泉区、托克托县、和林格尔县、武川县、新城区、赛罕区、土默特左旗、回民区)








黑河市(孙吴县、北安市、五大连池市、嫩江市、逊克县、爱辉区)








莆田市(城厢区、涵江区、秀屿区、荔城区、仙游县)








绵阳市(平武县、三台县、梓潼县、北川羌族自治县、江油市、安州区、游仙区、涪城区、盐亭县)








乌海市(乌达区、海勃湾区、海南区)

中国经济网北京4月17日讯赛力斯(601127.SH)今日股价下跌,收报130.76元,跌幅3.85%。

中原证券股份有限公司研究员龙羽洁4月16日发布研报《赛力斯(601127)年报点评:新能源驱动业绩扭亏关注新车表现》称,给予赛力斯“买入”投资评级。

  来源:WEMONEY研究室

  近日,浙商银行交出一份矛盾交织的2024年成绩单:消费贷规模骤降近300亿元、净利润增速从两位数跌至0.92%、经营现金流罕见净流出超1200亿元。此外,值得关注的是,该行开年四个月内已被罚超1900万元。

  面对合规与经营的双重压力,新任行长陈海强在业绩会上提出“智慧经营”理念,能否带领这家3.3万亿规模的股份行走出战略迷局?

  消费贷首降19.97%

  规模缩水293亿元

  浙商银行2024年年报显示,该行实现营业收入676.5亿元,同比增长6.19%;归母净利润151.86亿元,同比增长0.92%。总资产达3.33万亿元,增长5.78%。

  2024年,浙商银行业务出现三项主要变化,消费贷余额首降、净利润增速降至0.92%,以及经营活动现金流净流出1204.78亿元。

  先看消费贷,2024年,浙商银行个人消费贷款余额出现A股上市以来首次下降,从1467亿元降至1174亿元,同比下降19.97%,净减少293亿元。

  消费贷款作为商业银行零售业务的核心产品,其战略意义不仅在于利息收入,更在于是客户获取和综合金融服务的基础。

图源:整理自浙商银行近年财报数据

  梳理浙商银行2018年至今,个人消费贷款业务的表现,呈现出较为明显的波动性增长特征。数据显示,该行消费贷款规模从2018年的501.14亿元起步,在2019年(A股上市当年)实现较快增长,同比增速达85.57%,余额升至930.14亿元。2020-2021年保持两位数增长,增速分别为14.12%和13.97%,至2021年末突破1209.75亿元。

  2022年增长势头放缓,当年微增1.08%,余额达到1222.78亿元。2023年则实现19.98%的显著增速,规模创下1467.10亿元的历史峰值。然而,2024年年报显示,其个人消费贷款余额同比下降19.97%至1174.05亿元。

  与消费贷款下降形成对比的是,浙商银行同期个人住房贷款增长22%至1681亿元。零售信贷市场呈现结构性分化,住房贷款需求保持增长,显示消费者在房产等大宗消费与日常消费领域的信贷需求差异。

  消费贷与房贷增速差达41.97个百分点,体现出其零售业务结构性分化,尤其是消费金融与房贷业务发展失衡。

  净利增速放缓

  现金流净流出1205亿

  财务数据显示,在消费贷收缩的同时,浙商银行盈利指标承压。其中,净息差收窄30个基点至1.71%,叠加拨备覆盖率下降3.93个百分点,资本充足性面临挑战。同时,其归母净利润151.86亿元,增速降至0.92%。

  同为浙江上市银行的宁波银行净利润增速为6.23%、杭州银行为18.08%。回看浙商银行2020年至2024年财务数据可知,其净利润增速在2024年明显放缓。

  浙商银行2020年实现净利润123.09亿元,2021年增长2.75%至126.48亿元,2022年增速提升至7.67%达到136.18亿元,2023年同比增长10.5%至150.48亿元,2024年净利润151.86亿元,增速回落至0.92%,较上年下降9.58个百分点。

图源:整理自浙商银行近年财报数据

  浙商银行的非利息净收入在2024年达到224.93亿元,同比增长39.05%。

  非利息收入的增长主要得益于财富代销业务的增长,以及“把握债市收益率下行机会,交易性金融资产业务收益较好”。

  尽管如此,这部分非利息收入的增长,未能充分抵消传统业务中的利息收入下降,反映出银行在低利率环境下对利息收入的高度依赖问题。净息差收窄拖累利息净收入下降4.99%,利息收入依赖问题进一步凸显。

  浙商银行在继续增强非利息收入的同时,如何在收入结构上实现更为平衡的发展,仍是其未来盈利模式优化的关键。

图源:浙商银行2024年度报告

  此外,浙商银行的经营现金流也出现了明显的下滑,2024年经营活动现金流净流出1,204.78亿元,相当于其当年净利润的7.93倍,或反映出该行在维持传统业务增长的同时,未能有效提升现金流的稳定性,面临一定的流动性压力。

  同业普遍通过资产负债管理应对盈利与现金流压力,这一行业动向与浙商银行当前挑战形成呼应。

  开年已被罚1900万

  股东减持叠加市值不足同业半数

  除经营指标承压外,浙商银行在2025年还面临多重挑战,特别是在合规管理、股东信心和资本市场表现等方面。

  首先,合规管理问题。

  根据最新的公开信息,截至2025年4月11日,浙商银行已累计收到超过1900万元罚单。其中,2025年4月初,浙商银行杭州分行因主要违法违规行为“个人经营性贷款业务中签订空白合同,向保证人隐瞒实际贷款金额;员工与客户发生非正常资金往来”,被行政处罚罚款70万元。3月17日,滨海新区分行因贷后管理不到位被罚款30万元。1月27日,重庆分行因存贷挂钩、贷款“三查”不到位、绩效考核不符合监管要求等问题被罚款170万元。

  同日,国家金融监督管理总局上海监管局行政处罚信息公开表(沪金罚决字〔2025〕50-57号)显示,浙商银行股份有限公司上海分行因小微企业划型不准确、信贷业务不规范经营、资产池业务未纳入统一授信管理等数项主要违法违规行为,被处罚款1680万元。

图源:国家金融监督管理总局官网截图

  据不完全统计,过去一年,浙商银行累计被监管处罚总额达1364万元。

  其次,股东减持。1月21日,浙商银行公告显示,横店集团因经营发展需要计划减持所持股份,比例不超过该行总股本的1%。3月26日,浙商银行发布公告称,股东山东省国际信托股份有限公司通过大宗交易累计减持该行1.95亿股,占总股本的0.71%。此次减持后,山东国信持股比例降至2.09%。

图源:浙商银行公告截图

  其三,市值管理。截至2025年4月17日收盘,浙商银行A股总市值821.19亿元,为宁波银行(1620亿元)的50.69%,市值差异反映资本市场对其增长预期审慎。

图源:腾讯微证券

  值得关注的是,4月10日晚间,浙商银行发布公告称,经该行董事会审议,同意聘任陈海强为该行行长,任职资格尚待国家金融监督管理总局核准。同时,在陈海强任职资格获核准前,其代为履行行长职责,该行董事长陆建强不再代为履职。

  公开资料显示,陈海强,1974年10月生,硕士,正高级经济师。历任国家开发银行浙江省分行副主任科员,招商银行宁波北仑支行行长、宁波分行副行长等职。2015年加入浙商银行,先后担任宁波分行行长、杭州分行行长、首席风险官,2020年7月起任浙商银行副行长。

  陈海强在2024年度业绩说明会上表示,“智慧是生命的灯塔,智慧经营是银行行稳致远的指南针。浙商银行不再一味追求规模情结,不再走‘垒大户’的老路,不再关注‘挣快钱’,这些都是浙商银行追求长期价值的选择和方向。”

  浙商银行董事长陆建强提出该行转型目标,“从服务一家企业到服务整个产业生态转变、从抵押担保为主的‘当铺金融’向以算力为主的场景金融’转变、从传统关系营销向数字获客转变、对公为主‘垒大户’向普惠导向的小额分散转变。”

  董事长和新任行长将如何带领银行优化经营模式、加强风险控制、提升盈利能力以及强化股东和市场信心,我们将持续关注。

强制撞开宫口灌尿h|十八款禁用软件APP葫芦娃背后的风险与危害,快来了解!的相关文章 《第二索拉》内测一周年PV首曝的相关文章
为什么花钱一直建新大学也不把资金用来扶持二本学校?
乐事客服回应薯片含TBHQ致癌添加剂
中国地震台网:塔吉克斯坦发生5.8级地震,震源深度10公里
事故率最高的五代机是谁?【军事榨菜27】
ns2定档6月5日正式发售
如何看待可灵 AI 发布 2.0 模型并推出多模态编辑功能,中国视频大模型是否在全球范围内都具有领先优势?
邢岫烟在《红楼梦》中是怎样的存在?
《三角洲行动》夜战新玩法|零号大坝&堑壕战实机演示
心理咨询师会对来访者带有成见吗?如果有,该如何克服?
经常在外面吃饭有什么危害?
医生:猝死的年轻人通常有6个共性
中华人民共和国和越南社会主义共和国关于持续深化全面战略合作伙伴关系、加快构建具有战略意义的中越命运共同体的联合声明
  • 友情链接:
  • 新质观察|万卡集群三问:城市该如何不掉队? 三教真神降世!耗时五个月解密青龙刀下的中国智慧 廊坊通报三河广告牌匾禁用红蓝黑,三河市委主要负责人被免职,有哪些信息值得关注?暴露的哪些问题值得反思? 赞多很感谢在中国的生活 大盘缺口尚未补完 市场为何缩量 《英雄联盟》如果以不能出装备为代价,获得每击杀一个单位升一级且无等级上限,会是什么效果? 熊出没里面的大乱炖是什么味道 谷歌地图将南海改名,外交部:南海是国际社会公认的通用地名 脱口秀拆解美国贸易战死循环 为什么苹果使用微信小程序比安卓要流畅很多?

    查看更多评价 ∨