真女神转生

从重庆银行半年报看金融活水的“流向”与“力道”_我的网站

古墓丽影

一 | 　　8月20日，重庆银行披露2026年半年度报告。在银行业整体利润承压的背景下，这份成绩单尤为亮眼：上半年营业收入84.86亿元，同比增长10.79%；实现净利润37.67亿元，同比增长10.97%；实现归母净利润35.18亿元，同比增长10.29%。

Tomb M38 at the Zhaizita stone-walled site in North China's Inner Mongolia Autonomous Region Photo: Xinhua News AgencyChinese archaeologists have discovered the earliest known pairing of dragon and phoenix clay sculptures in northern China, unearthed from a 4,300-year-old tomb in the Inner Mongolia Autonomous Region, offering fresh insight into the ritual beliefs of the Longshan culture (3000 to 1900 BC), the Xinhua News Agency reported on Wednesday.
The two figurines were placed symmetrically on either side of a skeleton in a rectangular earth-pit tomb at the Zhaizita stone-walled site, a major Longshan culture settlement spanning 420,000 square meters in Inner Mongolia's Jungar Banner, Ordos City.
Radiocarbon dating places the burial at approximately 2300 BC, during the late Neolithic Longshan culture, per Xinhua.
Sun Jinsong, head of the Inner Mongolia Institute of Cultural Relics and Archaeology, told the Global Times that the tomb owner was buried lying face-up with limbs extended and head pointing northeast.
A turquoise-inlaid jade disc rested near the right side of the body's neck. The dragon-shaped clay piece was positioned on the right side of the body, aligned with the head, while the phoenix-shaped piece on the left was rendered as if soaring upward.
Stable isotope analysis of dental enamel collagen revealed a diet based on millet agriculture but with an unusually high intake of animal protein or special food resources.
"The findings indicate the tomb owner possessed prominent social status and privileged material resources during their lifetime," Sun said.
Sun emphasized the discovery rewrites the timeline of tangible dragon-phoenix symbolism in northern China.
"This is the earliest and most clearly defined dragon-phoenix combination found in northern China so far. It pushes back the materialized representation of dragon and phoenix to the Longshan era," Sun said. "The find provides precious material for studying the spiritual beliefs and funeral concepts of the Longshan people."
Sun added that the discovery underscores the unique contributions of the Hetao region - the great bend of the Yellow River - to early spiritual and cultural creativity in China, supporting the view that Chinese civilization developed through a pattern of unity in diversity.
According to media reports, the Longshan culture is renowned for advanced stone city construction, sophisticated handicraft techniques and mature ritual systems across the Yellow River basin.
Perched along the Yellow River basin, the Zhaizita stone-walled site ranks among the earliest known stone-enclosed fortress and ceremonial sites in northern China.
。值得关注的是，该行是13家连续10个季度实现营收、净利润“双正增长”的A股上市银行之一，也是唯一一家连续4个季度实现“双十增长”的A股上市银行。　　贷款增量领跑区域，彰显金融主力军本色　　截至6月末，重庆银行贷款余额5824.59亿元，较年初增加511.75亿元，增幅9.63%，贷款余额增量位列重庆市第一。

二 | 存款端同样表现不俗，存款余额6272.02亿元，较年初增加614.98亿元，增幅10.87%。其中，对公存款余额增量连续两年居重庆市第一，储蓄存款余额增量连续两年居重庆市第二。　　有市场分析人士指出，在区域持续加大实体经济金融支持的背景下，重庆银行存贷增速均显著高于资产增速，反映该行扎根区域、深耕本土的差异化竞争力。　　信贷活水精准滴灌，与国家战略同频共振　　存贷规模的增长，实则建立在精准投向实体经济重点领域的基础之上。　　在服务国家战略层面，上半年该行向成渝地区双城经济圈提供信贷支持超1400亿元，服务西部陆海新通道建设融资余额超600亿元。

三 | 通过出台专项行动方案、设立产业金融创新试验区等举措，持续强化对重大项目的金融供给。　　支持新质生产力方面，重庆银行聚焦重庆“33618”现代制造业集群和“416”科技创新布局，制造业贷款规模超410亿元，重庆区域制造业中长期贷款规模同比增速超40%；科技型企业贷款余额增长27.3%，保持两位数稳健增长。此外，该行绿色金融实现跨越式发展，规模成功迈入千亿级别，达1069亿元，并落地全国首笔跨省域GEP挂钩贷款，探索生态价值转化的金融新路径。　　践行普惠金融方面，截至6月末，该行普惠小微贷款余额达776.47亿元，规模稳居西部上市城商行首位，普惠小微贷款不良率、关注率实现“双降”。

四 | 通过迭代升级“好企贷”“惠链贷”等线上产品，创新“普惠云·气象贷”“巫山脆李贷”等地域特色批量信贷业务，该行有效缩短了融资链条，提升了普惠金融服务的覆盖面和可得性。

五 | 　　量增质优，规模与风控的双重答卷　　值得关注的是，信贷规模快速扩张的同时，资产质量同步改善。截至6月末，不良贷款率1.11%，较上年末下降0.03个百分点；拨备覆盖率247.31%，较上年末上升1.73个百分点。规模扩张、风险下降、安全垫增厚同时出现，诠释了质量与效益协同发展的实践路径。　　有分析指出，重庆银行的信贷投放并非单纯追求规模，而是将金融资源精准滴灌至成渝地区双城经济圈、西部陆海新通道等国家战略领域，以及制造业、普惠小微、科技型企业和绿色产业等实体经济重点领域。这种“精准滴灌”的模式，既服务了区域发展大局，也为自身赢得了持续的增长动能。　　从存贷增量领跑区域，到信贷投向精准有力，重庆银行2026年半年报展现的不仅是一家西部城商行的规模跨越，更是一家地方法人银行在服务实体经济中实现自身高质量发展的实践路径。