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2020 年年度報告 1
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2 重慶農村商業銀行股份有限公司
“2020 1000 ” 122 21
2020 “ 2000 ” 815 100
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2020 500 383 2020 500 143
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2020 年年度報告 3
5
7
9
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20
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73
74
75
76
83
101
120
130
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4 重慶農村商業銀行股份有限公司
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2020 年年度報告 5
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6 重慶農村商業銀行股份有限公司
2020
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122 15 20
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2020 年年度報告 7
“ ”
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2021 “ ”
100
2021 3 30
8 重慶農村商業銀行股份有限公司
2020 “ ”
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1.14 10.31%
7,250 7.66% 5,078.86 16.20%
281.86 85.65
10.30% 1.89 314.95%
12
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100 3.8 512
4 184
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42.64% 5.52
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2021 3 30
2020 年年度報告 9
“ ”
Chongqing Rural Commercial Bank Co.,Ltd.
“Chongqing Rural Commercial Bank”
36
8623 6111 1637
8623 6111 0844
ir@cqrcb.com
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10 重慶農村商業銀行股份有限公司
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2020 年年度報告 11
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12 重慶農村商業銀行股份有限公司
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2020 年年度報告 13
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14 重慶農村商業銀行股份有限公司
“ ”
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2020 年年度報告 15
( )
12 31
2019 2020
2020 (9)
2019 2018
%
24,248.9 23,373.7 3.74 20,013.9
3,937.3 3,256.1 20.92 6,102.5
: 2,902.9 2,239.0 29.65 2,065.8
1,034.4 1,017.1 1.70 4,036.7
28,186.2 26,629.8 5.84 26,116.4
(7,635.8) (7,599.7) 0.48 (7,919.9)
(10,208.6) (6,572.6) 55.32 (6,189.5)
(1.1) (0.8) 37.50 (6.4)
10,067.1 12,220.4 (17.62) 11,755.4
10,062.8 12,233.0 (17.74) 11,772.0
8,564.8 9,988.1 (14.25) 9,164.0
8,401.2 9,759.9 (13.92) 9,058.2
8,242.9 8,926.1 (7.65) 9,029.5
42,370.3 23,851.3 77.64 (81,223.3)
8.21 7.73 0.48 7.03
0.74 0.95 (0.21) 0.91
0.74 0.95 (0.21) 0.91
0.73 0.87 (0.14) 0.90
%
(1)
0.79 1.01 (0.22) 0.99
(2)
9.28 12.82 (3.54) 13.55
(3)
9.11 11.73 (2.62) 13.51
(4)
2.08 2.17 (0.09) 2.40
(5)
2.25 2.33 (0.08) 2.45
10.30 8.41 1.89 7.91
(6)
27.09 28.54 (1.45) 30.33
16 重慶農村商業銀行股份有限公司
12 31
2020
( ) 2020 2019 2019 2018
%
1,135,926.5 1,029,790.1 10.31 950,177.9
486,963.4 416,340.8 16.96 364,026.1
1,041,294.4 940,427.9 10.73 878,469.2
724,999.8 673,401.8 7.66 616,166.2
11,357.0 11,357.0 - 10,000.0
93,228.6 87,773.4 6.22 70,308.1
1,403.5 1,588.8 (11.66) 1,400.6
94,632.1 89,362.2 5.90 71,708.7
93,726.7 88,559.0 5.84 70,886.3
87.5 121.0 (27.69) 92.5
93,814.2 88,680.0 5.79 70,978.8
18,122.0 17,390.5 4.21 16,562.4
111,936.2 106,070.5 5.53 87,541.2
783,924.2 712,885.7 9.96 647,419.3
(%) (7)
1.31 1.25 0.06 1.29
314.95 380.31 (65.36) 347.79
4.12 4.75 (0.63) 4.50
(%)
(8)
11.96 12.42 (0.46) 10.95
(8)
11.97 12.44 (0.47) 10.96
(8)
14.28 14.88 (0.60) 13.52
8.33 8.68 (0.35) 7.55
(%)
70.05 64.91 5.14 61.86
2020 年年度報告 17
2020
(
)
6,969.6 6,956.0 7,071.9 7,188.7
3,079.6 2,103.1 2,586.2 632.3
3,102.6 2,080.2 2,575.9 484.2
41,336.0 16,878.4 11,053.0 (26,897.1)
(1) ( )
(2) 9 (2010
)
(3) “ ”
(4)
(5)
(6)
(7) ( [2018]7 )
2020 [2020]40
140% 2.1%
(8) ( )
(9)
2020 2020
2019
18 重慶農村商業銀行股份有限公司
2020 “
” “ ” “
” “ ”
11,359.27 1,061.36 10.31%
7,250.00 515.98 7.66%
5,078.86 708.01 16.20%
281.86 85.65 2020 0.79%
9.28%
1.31% 1.10% 0.06
314.95% 14.28%
11.97% 11.96%
44.71% 2.27
42.64% 5.52
24 74
10.30% 1.89
2.40% 0.40
2020 年年度報告 19
2019
2020 (%)
24,248.9 23,373.7 875.2 3.74
3,937.3 3,256.1 681.2 20.92
2,902.9 2,239.0 663.9 29.65
1,034.4 1,017.1 17.3 1.70
28,186.2 26,629.8 1,556.4 5.84
(273.6) (236.2) (37.4) 15.83
(7,635.8) (7,599.7) (36.1) 0.48
(10,208.6) (6,572.6) (3,636.0) 55.32
(1.1) (0.8) (0.3) 37.50
10,067.1 12,220.4 (2,153.3) (17.62)
(4.3) 12.6 (16.9) (134.13)
10,062.8 12,233.0 (2,170.2) (17.74)
(1,498.0) (2,244.9) 746.9 (33.27)
8,564.8 9,988.1 (1,423.3) (14.25)
8,242.9 8,926.1 (683.2) (7.65)
2020
85.65 14.23 14.25%
82.43 6.83 7.65%
15.56
5.84% 6.64 29.65%
27.09% 36.36
20 重慶農村商業銀行股份有限公司
1.
2019
2020 (%)
45,859.0 45,137.7 721.3 1.60
(21,610.1) (21,764.0) 153.9 (0.71)
24,248.9 23,373.7 875.2 3.74
2020 242.49 8.75
3.74% 86.03%
(1)
2020 2019
(%) (%)
470,306.7 24,605.9 5.23 409,885.2 22,402.8 5.47
367,946.1 15,013.8 4.08 319,995.8 13,903.8 4.34
61,648.2 932.0 1.51 70,965.9 1,113.3 1.57
178,902.1 5,265.0 2.94 200,762.6 7,404.6 3.69
1,078,803.1 45,816.7 4.25 1,001,609.5 44,824.5 4.48
709,324.9 13,982.4 1.97 661,721.1 12,752.5 1.93
41,157.5 1,197.0 2.91 26,568.6 869.4 3.27
92,380.4 1,991.6 2.16 77,286.1 2,202.2 2.85
149,273.3 4,390.4 2.94 161,658.7 5,620.2 3.48
992,136.1 21,561.4 2.17 927,234.5 21,444.3 2.31
– 24,255.3 – – 23,380.2 –
(1)
– – 2.08 – – 2.17
(1)
– – 2.25 – – 2.33
(1)
2020 年年度報告 21
2020 2.08% 9 2.25%
8
3,160.0 (956.9) 2,203.1
1,956.4 (846.4) 1,110.0
(140.7) (40.6) (181.3)
(642.7) (1,496.9) (2,139.6)
4,333.0 (3,340.8) 992.2
937.8 292.1 1,229.9
709.4 (592.4) 117.0
(364.1) (865.7) (1,229.8)
1,283.1 (1,166.0) 117.1
3,049.9 (2,174.8) 875.1
8.75
30.50 21.75
(2)
2020 458.59 7.21 1.60%
22 重慶農村商業銀行股份有限公司
2020 2019
(%) (%)
265,547.9 13,186.7 4.97 248,186.8 12,438.0 5.01
96,152.3 4,184.6 4.35 88,776.2 3,903.1 4.40
169,395.6 9,002.1 5.31 159,410.6 8,534.9 5.35
182,190.7 10,863.7 5.96 143,180.7 9,316.2 6.51
67,113.0 4,370.5 6.51 49,742.6 3,521.0 7.08
115,077.7 6,493.2 5.64 93,438.1 5,795.2 6.20
22,568.1 555.5 2.46 18,517.7 648.6 3.50
470,306.7 24,605.9 5.23 409,885.2 22,402.8 5.47
246.06 22.03
9.83%
2020 2019
(%) (%)
355,888.2 14,617.8 4.11 319,107.1 13,863.3 4.34
12,057.9 396.0 3.28 888.7 40.5 4.56
367,946.1 15,013.8 4.08 319,995.8 13,903.8 4.34
2020 150.14 11.10
7.98%
2020 年年度報告 23
9.32 1.81
16.28%
13.13%
2020 2019
(%) (%)
147,108.7 4,743.1 3.22 171,241.4 6,733.8 3.93
31,793.4 521.9 1.64 29,521.2 670.8 2.27
178,902.1 5,265.0 2.94 200,762.6 7,404.6 3.69
2020 52.65
21.40 28.90%
(3)
2020 216.10 1.54 0.71%
2020 2019
(%) (%)
126,145.3 857.8 0.68 121,869.4 854.7 0.70
37,904.8 1,049.6 2.77 42,543.1 1,160.6 2.73
164,050.1 1,907.4 1.16 164,412.5 2,015.3 1.23
125,516.9 668.1 0.53 116,788.7 575.2 0.49
419,757.9 11,406.9 2.72 380,519.9 10,162.0 2.67
545,274.8 12,075.0 2.21 497,308.6 10,737.2 2.16
709,324.9 13,982.4 1.97 661,721.1 12,752.5 1.93
24 重慶農村商業銀行股份有限公司
2020 139.82 12.30
9.64%
1.97% 4
2020 11.97 3.28
37.68%
145.89
2020 2019
(%) (%)
50,533.1 1,299.1 2.57 46,732.4 1,498.8 3.21
41,847.3 692.5 1.65 30,553.7 703.4 2.30
92,380.4 1,991.6 2.16 77,286.1 2,202.2 2.85
2020 19.92
2.11 9.56%
2020 2019
(%) (%)
25,515.3 966.0 3.79 16,367.4 736.6 4.50
123,758.0 3,424.4 2.77 145,291.3 4,883.6 3.36
149,273.3 4,390.4 2.94 161,658.7 5,620.2 3.48
2020 43.90 12.30
21.88%
2020 年年度報告 25
2.
2020 39.37 6.81 20.92%
13.97% 1.74
(1)
2019
2020 (%)
3,010.6 2,359.5 651.1 27.59
1,937.0 1,314.1 622.9 47.40
370.2 402.6 (32.4) (8.05)
165.0 180.1 (15.1) (8.38)
134.3 134.5 (0.2) (0.15)
404.1 328.2 75.9 23.13
(107.7) (120.5) 12.8 (10.62)
2,902.9 2,239.0 663.9 29.65
2020
29.03 6.64 29.65%
10.30% 1.89
19.37 6.23 47.40%
3.70 0.32
1.65 0.15 8.38%
ATM POS
1.34
26 重慶農村商業銀行股份有限公司
(2)
2020 2019 (%)
929.1 661.0 268.1 40.56
(119.5) 192.4 (311.9) (162.11)
(35.0) 64.1 (99.1) (154.60)
96.3 45.9 50.4 109.80
163.5 53.7 109.8 204.47
1,034.4 1,017.1 17.3 1.70
2020 10.34 2.68
3.12
0.99
0.50
1.10
3.
2020 2.74 0.37 15.83%
2020 年年度報告 27
4.
2020 2019 (%)
4,841.7 4,932.8 (91.1) (1.85)
3,532.1 3,219.3 312.8 9.72
877.2 1,297.0 (419.8) (32.37)
432.4 416.5 15.9 3.82
849.7 782.0 67.7 8.66
1,944.4 1,884.9 59.5 3.16
7,635.8 7,599.7 36.1 0.48
27.09 28.54 (1.45)
2020 76.36 0.36 0.48%
27.09% 1.45
(1)
2020 48.42 0.91 1.85%
4.20 32.37%
(2)
2020 8.50 0.68 8.66%
(3)
2020 19.44 0.60 3.16%
28 重慶農村商業銀行股份有限公司
5.
2020 2019 (%)
9,459.2 4,935.1 4,524.1 91.67
828.3 1,163.5 (335.2) (28.81)
(78.9) 474.0 (552.9) (116.65)
1.1 0.8 0.3 37.50
10,209.7 6,573.4 3,636.3 55.32
2020 102.10 36.36 55.32%
45.24
3.35 5.53
6.
2020 -0.04 0.17
0.26
7.
2020 2019
2020 2019 (%)
10,062.8 12,233.0 (2,170.2) (17.74)
2,426.4 2,990.6 (564.2) (18.87)
57.8 260.6 (202.8) (77.82)
(988.9) (788.1) (200.8) 25.48
– (195.3) 195.3 (100.00)
2.7 (22.9) 25.6 (111.79)
1,498.0 2,244.9 (746.9) (33.27)
2020 14.98 7.47 14.89%
25%
2020 年年度報告 29
1.
2020 12 31 2019 12 31
(%) (%) (%)
486,963.4 42.87 416,340.8 40.43 70,622.6 16.96
507,885.9 44.71 437,084.9 42.44 70,801.0 16.20
(1)
(20,922.5) (1.84) (20,744.1) (2.01) (178.4) 0.86
429,954.5 37.85 377,353.2 36.64 52,601.3 13.94
(2)
383,164.5 33.73 346,418.4 33.64 36,746.1 10.61
(2)
16,625.5 1.46 7,256.8 0.70 9,368.7 129.10
16,055.2 1.41 6,679.0 0.65 9,376.2 140.38
570.3 0.05 577.8 0.05 (7.5) (1.30)
(2)
30,164.5 2.66 23,678.0 2.30 6,486.5 27.39
65,368.9 5.75 77,413.6 7.52 (12,044.7) (15.56)
137,386.6 12.09 146,001.2 14.18 (8,614.6) (5.90)
1,303.0 0.11 – – 1,303.0
450.3 0.04 – – 450.3
(3)
14,499.8 1.29 12,681.3 1.23 1,818.5 14.34
1,135,926.5 100.00 1,029,790.1 100.00 106,136.4 10.31
(1)
(2) 2018 [2018]36
“ ”
“
”
“
”
(3)
2020 11,359.27 1,061.36
10.31%
5,078.86 708.01 16.20%
30 重慶農村商業銀行股份有限公司
4,299.55 526.01 13.94% 2020
653.69 120.45 15.56%
1,373.87 86.15 5.90%
13.03
4.50
(1)
2020 12 31 2019 12 31
(%) (%)
273,631.3 53.88 254,760.4 58.29
(1)
69,302.5 13.65 78,134.2 17.88
(2)
204,328.8 40.23 176,626.2 40.41
216,543.7 42.64 162,237.8 37.12
(3)
91,337.0 17.98 73,091.4 16.72
(4)
66,799.8 13.15 50,516.0 11.56
(5)
58,406.9 11.51 38,630.4 8.84
17,710.9 3.48 20,086.7 4.59
507,885.9 100.00 437,084.9 100.00
(1)
(2)
(3)
(4)
(5)
2020 5,078.86
708.01 16.20%
2020 年年度報告 31
2,736.31 188.71
7.41% 88.32 277.03
2,165.44 543.06 33.47%
5.52 “
”
913.37 182.46 24.96%
668.00 162.84 32.23%
584.07 197.77 51.19%
177.11 23.76 11.83%
2020 12 31 2019 12 31
(%) (%)
273,631.3 53.88 254,760.4 58.29
63,875.2 12.58 59,508.9 13.61
61,019.7 12.01 61,130.0 13.99
60,476.7 11.91 50,481.8 11.55
19,232.7 3.79 16,531.0 3.78
18,177.2 3.58 12,221.2 2.80
17,969.1 3.54 18,792.1 4.30
6,601.1 1.30 7,152.0 1.64
6,288.3 1.24 5,538.1 1.27
5,676.8 1.12 8,032.9 1.84
2,791.6 0.55 2,784.0 0.63
11,522.9 2.26 12,588.3 2.88
216,543.7 42.64 162,237.8 37.12
17,710.9 3.48 20,086.7 4.59
507,885.9 100.00 437,084.9 100.00
2020
2020
638.75 610.20
604.77 12.58% 12.01% 11.91%
32 重慶農村商業銀行股份有限公司
(2)
2020 12 31 2019 12 31
(%) (%)
305,211.4 70.99 249,463.0 66.11
9,045.5 2.10 31,593.3 8.37
61,478.3 14.30 69,486.3 18.42
32,620.6 7.59 20,724.8 5.49
21,028.4 4.89 5,508.0 1.46
570.3 0.13 577.8 0.15
429,954.5 100.00 377,353.2 100.00
2020 4,299.55 526.01
13.94%
2020 12 31 2019 12 31
(%) (%)
113,384.5 37.14 97,403.4 39.05
69,429.7 22.75 56,933.4 22.82
60,147.3 19.71 33,484.0 13.42
62,249.9 20.40 61,642.2 24.71
305,211.4 100.00 249,463.0 100.00
2020
2020 159.81
124.96
266.63
(3)
2018
“
”
(4)
2020
0.93 0.14
“ ”
2020 年年度報告 33
2.
2020 12 31 2019 12 31
(%) (%)
724,999.8 69.63 673,401.8 71.61
62,139.3 5.97 35,568.7 3.78
173,178.2 16.63 171,330.1 18.22
62,313.8 5.98 31,218.0 3.32
6,373.2 0.61 15,086.1 1.60
(1)
12,290.1 1.18 13,823.2 1.47
1,041,294.4 100.00 940,427.9 100.00
(1)
2020 10,412.94 1,008.67
10.73% 515.98
7.66% 265.71 74.70%
310.96 99.61%
18.48 1.08%
(1)
2020 12 31 2019 12 31
(%) (%)
156,370.2 21.57 156,030.7 23.17
122,309.1 16.87 125,140.0 18.58
34,061.1 4.70 30,890.7 4.59
561,617.1 77.46 511,571.7 75.97
128,951.9 17.79 116,031.2 17.23
432,665.2 59.67 395,540.5 58.74
7,002.5 0.97 5,783.2 0.86
10.0 – 16.2 –
724,999.8 100.00 673,401.8 100.00
34 重慶農村商業銀行股份有限公司
2020 2020
7,250.00 515.98 7.66%
69.63% 1.98
1,563.70 3.40
0.22% 21.57% 1.60
5,616.17 500.45 9.78%
77.46% 1.49
2,512.61 100.90
4.18% 34.66% 1.15
4,667.26 402.95 9.45%
64.37% 1.04
(2)
2
2017
38
“ ”
2020 12 31 2019 12 31
(%) (%)
11,357.0 12.00 11,357.0 12.71
20,338.5 21.49 20,428.5 22.86
(686.5) (0.73) (442.7) (0.50)
12,069.8 12.75 11,283.6 12.63
14,056.1 14.85 12,635.3 14.14
36,093.7 38.16 32,511.7 36.38
93,228.6 98.52 87,773.4 98.22
1,403.5 1.48 1,588.8 1.78
94,632.1 100.00 89,362.2 100.00
2020 946.32 52.70
2.44
14.21
1.5%
2020 年年度報告 35
219.60 92.37
37.99 23.95
2020
2020
5.02
2020 2019
42,370.3 23,851.3
(37,885.8) (51,852.8)
(5,690.9) 13,885.2
423.70 185.19
1,594.72
481.70 1,171.02 296.51
378.86 1,911.52 10.79
2,290.38 150.46
56.91 2,255.31
2,312.22
1.
2020 12 31 2019 12 31
(%) (%)
489,255.1 96.33 421,463.7 96.43
11,985.7 2.36 10,161.3 2.32
2,868.6 0.56 3,447.0 0.79
3,641.1 0.72 1,883.0 0.43
135.4 0.03 129.9 0.03
507,885.9 100.00 437,084.9 100.00
6,645.1 – 5,459.9 –
(%) – 1.31 – 1.25
36 重慶農村商業銀行股份有限公司
2020
2020 66.45
11.85 1.31% 0.06
69.29% 30.71%
2.
(1)
2020 12 31 2019 12 31
(%) (%) (%)
273,631.3 53.88 5,316.0 1.94 254,760.4 58.29 4,305.5 1.69
61,019.7 12.01 2,961.9 4.85 61,130.0 13.99 1,741.4 2.85
19,232.7 3.79 – – 16,531.0 3.78 – –
5,676.8 1.12 – – 8,032.9 1.84 692.3 8.62
60,476.7 11.91 7.4 0.01 50,481.8 11.55 2.0 0.00
63,875.2 12.58 – – 59,508.9 13.61 4.5 0.01
6,601.1 1.30 47.4 0.72 7,152.0 1.64 143.0 2.00
17,969.1 3.54 1,440.7 8.02 18,792.1 4.30 332.7 1.77
38,780.0 7.63 858.6 2.21 33,131.7 7.58 1,389.6 4.19
216,543.7 42.64 1,328.1 0.61 162,237.8 37.12 1,153.4 0.71
17,710.9 3.48 1.0 0.01 20,086.7 4.59 1.0 0.00
507,885.9 100.00 6,645.1 1.31 437,084.9 100.00 5,459.9 1.25
2020
2020
(2)
2020 3.74%
23.76%
2020
2020 2019 2018
12 31 12 31 12 31
(%) ≤10% 3.74 5.15 5.95
(%) ≤15% 5.72 6.37 7.75
(%) 23.76 24.19 27.49
2020 年年度報告 37
2020 12 31
%
A 4,191.7 0.83
B 3,348.2 0.66
C 3,274.2 0.64
D 2,557.6 0.50
E 2,445.0 0.48
F 2,353.5 0.46
G 2,279.8 0.45
H 2,218.7 0.44
I 1,993.0 0.39
J 1,932.7 0.38
3.
2020 12 31 2019 12 31
(%) (%)
273,631.3 5,316.0 1.94 254,760.4 4,305.5 1.69
69,302.5 1,247.1 1.80 78,134.2 1,225.7 1.57
204,328.8 4,068.9 1.99 176,626.2 3,079.8 1.74
216,543.7 1,328.1 0.61 162,237.8 1,153.4 0.71
91,337.0 279.5 0.31 73,091.4 238.1 0.33
66,799.8 544.6 0.82 50,516.0 440.9 0.87
58,406.9 504.0 0.86 38,630.4 474.4 1.23
17,710.9 1.0 0.01 20,086.7 1.0 0.00
507,885.9 6,645.1 1.31 437,084.9 5,459.9 1.25
2020 0.25 1.94%
0.10 0.61%
4.
2020 12 31 2019 12 31
(%) (%)
1,539.5 0.30 623.6 0.14
38 重慶農村商業銀行股份有限公司
5.
2020 12 31 2019 12 31
(%) (%)
3 1,379.0 0.27 2,010.5 0.46
3 1 2,473.9 0.49 1,368.1 0.31
1 3 1,303.8 0.26 1,404.3 0.32
3 426.5 0.08 279.1 0.07
5,583.2 1.10 5,062.0 1.16
2020 55.83 5.21
1.10% 0.06
6.
2020 12 31
8,545.0 5,205.7 6,993.4 20,744.1
– – – –
1,277.7 (1,226.9) (50.8) –
(1,098.4) 1,344.0 (245.6) –
(767.2) (2,363.3) 3,130.5 –
(1,072.3) 1,949.7 2,378.2 3,255.6
7,433.1 – – 7,433.1
(3,904.8) (703.8) (459.0) (5,067.6)
136.0 41.2 4,431.7 4,608.9
– – (10,051.6) (10,051.6)
10,549.1 4,246.6 6,126.8 20,922.5
2020 年年度報告 39
7.
2020 12 31 2019 12 31
(%) (%)
77,664.2 15.29 52,668.6 12.05
160,337.6 31.57 137,850.8 31.54
208,580.2 41.07 181,751.6 41.58
61,303.9 12.07 64,813.9 14.83
507,885.9 100.00 437,084.9 100.00
8.
2020 12 31 2019 12 31 2018 12 31
4.27 3.32 3.14
11.04 7.40 39.3
12.36 30.01 65.32
1.87 2.07 10.98
1104
1.
2020 12 31 2019 12 31
70.04 29.96 69.33 30.67
50.79 49.21 48.02 51.98
52.91 47.09 49.37 50.63
50.80 115.06 44.96 110.01
2020 70.04% 0.71
50.79% 2.77 52.91% 3.54
40 重慶農村商業銀行股份有限公司
2.
2020 12 31 2019 12 31
% %
9,321.9 33.07 8,579.4 32.22
10,954.1 38.86 9,926.0 37.27
7,885.3 27.98 8,096.2 30.40
24.9 0.09 28.2 0.11
28,186.2 100.00 26,629.8 100.00
2020 93.22 33.07% 0.85
109.54 38.86% 1.59
78.85 27.98% 2.42
“ ”
1.
“ ”
2020 2019 2018
12 31 12 31 12 31
94,632.1 89,362.2 71,708.7
440.1 440.1 440.1
95,072.2 89,802.3 72,148.8
2020 年年度報告 41
2.
2008 6 27
38
“ ”
2009 1 1
2010 12 16 H
“ ” “ ” “
”
2020
109.54 10.28 38.86%
60.02 7.07
59.62%
1.
(1)
“ ”
“ ”
“ ”
2020 5,616.17
500.45 9.78%
(2)
2020
2,165.44 543.06 33.47%
913.37 182.46
“ ” “
” “ ” 59.9
37.55 0.61%
0.1 24.14
42 重慶農村商業銀行股份有限公司
2.
(1)
“ ”
2020 2,386.64 724.28
1,256.78
1,347.34
(2)
“
” “BBC ”
“ ”“ ”“ ” “ +
” “ ”
“ ”
“BBC ”
“ ”
2020 2020
37.30 138
2020 2,443.92 300.56
3.
“ ”
“ ” “ ”
VIP 23.58 11.93% 553.45
13.26% 984 20% 48
21% 831
43 AFP 80%
“ ” “ ” “ ”
“ + ” “ ”“
”“ ” 50
3,000 “ ”“ ”“ ”“ ” 60
1,000
2020 年年度報告 43
4.
“ ”
2020 86.1 2,243.47
5.66 4,952.78
21.2% 157.16% 10.15
496.15 2021-2023
2020 1
129,230 5,574
784.73 132.78 20.37% 3.76
5.67%
“ ” “
”
“ ” “
”
97% “ ” “ ”
“ ” “ ”
3.73 65.25 75%
64.04 31.29 1,447 23.5
51.4% 536 9.29
883.59
1
1000
44 重慶農村商業銀行股份有限公司
2020 3 17
1.
“ ”
“ ” “ ”
“ ”
2020 1,633.83
1.16% 78.22%
2,913.42 164.95 6.00%
4.97% 3.81%
“ ”
245 81.91 189
36
“ ”“ ”
2 4
4 8
11
245.7 75.1
44% “ ” 20
2
32 97 580
116 “ ” “ ”
115.6 59.5%
40%
239.61
11.86%
2020 年年度報告 45
41
54 4,057
78.22%
1.16%
ATM POS 70.1%
CRM
217 11.2
31 121%
2.
56.45 38.24
15.29% 20.80 16.67%
14.43 0.24 1218
93 393 5.79%
47.44 27.21
95 30
40 37
2
“ ” “ ”
2.95
93 24.43
“ ”
94
4.14
CIPS
46 重慶農村商業銀行股份有限公司
2020
A
Baa2
1.
2020
“ ” “ ”
2020
“ ”“
”“ X-Repo”“ IDeal”
“X-Repo ”
38
2.
(1)
2020
2020 年年度報告 47
2020 3,052.11
1,828.14 284.77 AAA1
694.37 260.79 AA+ 247.15
52.02 AA 280.73
33.88
(2)
2020 1,276.12
664.51 498.30 80.60
32.71
(%)
19 10,000.0 3.48 2029/1/8
19 5,750.0 3.45 2029/9/20
20 5,000.0 3.07 2030/3/10
18 4,240.0 4.88 2028/2/9
18 4,000.0 4.00 2025/11/12
20 3,000.0 3.09 2030/6/18
18 3,000.0 4.69 2023/3/23
20 3,000.0 3.70 2030/10/20
20 2,000.0 3.23 2030/3/23
20 2,000.0 3.35 2030/6/26
3.
2020 1,382.55 38.23
140
2020 “ ” “
” “ ”
2020 2
1
48 重慶農村商業銀行股份有限公司
2020
80%
“ ”
140
4.
17
64.6 267.05%
19 171.7
66.9% 20 80 20
80
5.
2020 1,264.32
2021-2023
“ ”
“ ”
“ ”
5
2020
2020 367 4 “ + + +
+ ” “
”
2020 年年度報告 49
1.
RPA
11 31
20
99.2% 96.6%
“ ”
RPA
2.
“ ” “
”
“ ” “ ” “ ” “ ” “ ” “ ”
“ ”
“ ”
“
”
KYC “ ” “
”
3.
10
99.77%
“ ”
2020 1
1
19 57
50 重慶農村商業銀行股份有限公司
4.
“ ”
2020 “ ”
2020
2021
“ ”
“ ”
“ 2020
” 30
7
30 1.5 “ ”
360
500
5.
“ ” “ ”
2020 20
2
3 2
“ ”
“2020
” “ 2020 ” “ 2020
”
5 26 110
1,313 2 12
2020 年年度報告 51
2020 1
2,579.69 480.71
22.90% 1,019.11
34.98% 106.60 11.68%
1,560.58 72.07% 374.11
31.53% 5,078.01 409.16 8.76%
2020 2
1,704.14
1.
(1)
3
“ ”
“ ”
“ ”
(2)
“ ”
(3)
“ ”
“ ”
“ + ”
1 9 12
2 [2007]246
3 “ ” 2021 3 “ ”
52 重慶農村商業銀行股份有限公司
2.
“ ”
1,120
2020 152.5 2020
2,256.12 80.46 4,877.92
196.62
2020 2,957 394
1,529 459
1,876.03 78.61% 133.74
106.68 76.92% 28.84
893.15 79.50% 129.89
3.
2020
461 112.3 13.5
“
” 2020
20 7.38 15.83 4.8
2020 160.17 102.09
7.01 18.68
2020 年年度報告 53
1.
2020 1,765
1,456 38 1,454
309
2021
21 86
2.
2020 145
24 4,482
2.54 1 4,059 423
2020 463
3.
(1)
2020 “ ”
92.77% VIP 98.91%
99.88%
82.15% 4.76%
2020
12.76 434.38
(2)
App6.0 “ ” “ ” “ ”
Face ID
ATM
“ ”
2020 1,123.34 166.00
17.34% 14,552.07 33.61%
6,354.67 9.23% 12.43
2.13 20.68% 9,121.72
20.21% 96.29% 1.70
54 重慶農村商業銀行股份有限公司
1.
(1)
2020 5 12 12
51% 16.62
41.50 17.80 17.30 32.68
0.97% 346.36% 0.60
2
2014 12 25
2020
80% 2020
387.69 43.57 7.46
3
2020 6
20
20.40
20.06 620
2.
2020 5
15 30%
2020 15.74 15.01 109
2020 年年度報告 55
2020 85.65 14.23
2020
102.10 36.36
314.95%
281.86 15.56
5.84% 3.87 1
4 4.55% 4.97% 5.04% 5.84%
“ ”
39.37 20.92%
2020 76.36 0.48% 27.09%
1.45
2021
“ ”
2020 29.03 6.64
29.65% 1.89 10.3%
6.23 47.4%
157.16%
21%
2021
56 重慶農村商業銀行股份有限公司
“ ”“ ”
“ ”
“ +”
FOF
50%
APP
BBC
KPI
2020 2.25% 8 4
LPR
23
2.27 5.52 FTP
74
1.97% 4 24
2.17% 14
2021
“ ”
“ ”
2020 年年度報告 57
2020
2020 1.31% 0.06
2.36% 0.04 1.10%
0.06
2020
132
2.61%
2020
25%
2020 0% 0.72%
8.62 1.28 4.85%
2
2020
1.10% 0.21
90 60 63.27% 68.71%
100% 2020
90.03% 96.42%
1.96 2.57
“
”
2020 19.73
8.67 0.55
2021 “
”
“ ”
2021 “ ”
2021 6%
2020 2021
2021
58 重慶農村商業銀行股份有限公司
2020 102.09 55%
76.03 111%
314.95% 4.12%
30
90 497.80% 60
458.36%
2020 2022 2020
40 2021 40
2020 11.96%
11.97% 14.28% 4.46 3.47 3.78
2021 2023
“ ”
2020 年年度報告 59
2020
“ ”
60 重慶農村商業銀行股份有限公司
2020
2020
2020
LPR
LPR
1.
2020 “ ”
2020
“ ” shibor
2021
2020 12 31
1 1 3 1
3 12 5 5
(125,962.3) (68,593.5) (44,241.4) 88,510.0 155,894.8 82,328.2 87,935.8
2019 12 31
1 1 3 1
3 12 5 5
35,948.8 (73,582.1) 7,446.6 (11,039.1) 102,233.9 23,728.4 84,736.5
2020 879.36
31.99
2020 年年度報告 61
2.
2020 12 31 2019 12 31
100 347.4 118.5 1,552.9 49.3
100 (347.4) (118.5) (1,552.9) (49.3)
3.
2020 6.52 7.13
6.27%
6
0
2021
2020 12
2020 12 31
87,732.9 (377.8) 189.1 391.6 87,935.8
2019 12 31
80,558.3 4,016.7 37.7 123.8 84,736.5
62 重慶農村商業銀行股份有限公司
4.
2020 12 31 2019 12 31
5% 12.8 (150.6)
5% (12.8) 150.6
FTP
2020 2020
2020 年年度報告 63
1.
2020
2020
2020 12
2020 12 31
3
1 1 3 12 1 5 5
59,086.2 (244,445.4) (23,885.0) (77,322.7) (25,946.3) 206,312.4 421,793.3 315,592.5
2019 12 31
3
1 1 3 12 1 5 5
66,995.4 (248,227.3) (3,682.3) (70,618.6) 58,675.9 117,008.4 344,722.9 264,874.4
“ 4. ”
2020
(%) 2020 12 31 2019 12 31 2018 12 31
57.06 57.12 51.71
98.87 29.94 33.00
2020
2020 12 31 2020 9 30
789,295.18 790,843.98
744,136.95 736,319.83
(%) 106.07 107.40
64 重慶農村商業銀行股份有限公司
2020
2020 12 31
111,891.77
30 59,838.51
(%) 186.99
30
30
75%
2020 年年度報告 65
“ ”
2020
(RWA)
66 重慶農村商業銀行股份有限公司
2%
“ ”
2020
A
1.
2020 年年度報告 67
(1) 25
2020 250.36
1 1
6,562.1 5.86%
2 4,750.0 4.24%
3 3,743.7 3.34%
4 3,743.7 3.34%
5 3,224.9 2.88%
6 2
2,578.7 2.30%
7 2,127.8 1.90%
8 1,498.0 1.34%
9 3
540.8 0.48%
10 500.0 0.45%
11 226.2 0.20%
12 10.0 0.01%
0.23
1 4
11.5
2 5.5
3 4.2
4 5
1.8
1 2
2 3
3 2
4 2 2020 12 10
5 4
68 重慶農村商業銀行股份有限公司
(2)
0.69
2019 2020 3 26
2020 5 20
997,880 1
700,000 1 2020 3 27
2020-011
2020 2020 4
24 2020 6 29
5 2021 99,685.70
2020 4 25
2020-020
2020 2020 8
26 2020 10 20
1,485,410 1
647,900
1
2020 8 27
2020-041
2.
3.
4.
5.
2020 年年度報告 69
2020 2020-2022
2020 14.28% 0.60
11.96% 11.97% 0.46 0.47
2020 12 31 2019 12 31
93,726.7 86,352.5 88,559.0 83,772.1
93,814.2 86,352.5 88,680.0 83,772.1
111,936.2 103,850.9 106,070.5 100,534.8
783,924.2 745,153.3 712,885.7 678,740.2
724,715.5 688,370.2 661,053.9 628,786.3
8,699.4 8,699.4 3,955.0 3,955.0
50,509.3 48,083.7 47,876.8 45,998.9
(%) 11.96 11.59 12.42 12.34
(%) 11.97 11.59 12.44 12.34
(%) 14.28 13.94 14.88 14.81
70 重慶農村商業銀行股份有限公司
2020 12 31 2019 12 31
93,884.6 88,680.8
11,357.0 11,357.0
19,651.9 19,985.8
26,125.9 23,918.9
36,093.8 32,511.7
656.0 907.4
(157.9) (121.8)
– –
(157.9) (121.8)
93,726.7 88,559.0
87.5 121.0
87.5 121.0
93,814.2 88,680.0
18,122.0 17,390.5
9,000.0 9,000.0
8,947.1 8,161.2
174.9 229.3
111,936.2 106,070.5
783,924.2 712,885.7
(%) 11.96 12.42
(%) 11.97 12.44
(%) 14.28 14.88
2020 年年度報告 71
2020 12 31 2019 12 31
1,118,432.6 1,096,557.7 1,022,921.5 998,659.8
24,648.7 15,494.7 19,313.6 15,751.7
18,827.9 18,827.9 24,825.9 24,825.9
1,161,909.2 1,130,880.3 1,067,061.0 1,039,237.4
www.cqrcb.com “
”
2020 8.08% 0.37
2020 12 31
1,135,926.4
–
–
108.0
–
24,808.6
(157.9)
1,160,685.1
72 重慶農村商業銀行股份有限公司
2020 12 31
1,134,564.9
(157.9)
1,134,407.0
58.5
108.0
–
–
–
–
–
166.5
1,303.0
–
–
–
1,303.0
42,758.0
(17,949.4)
24,808.6
93,814.2
1,160,685.1
(%) 8.08
2020 “ ”
“ ”
5 10 13 312
3,334 27.33%
99.73% 99.69%
2020 年年度報告 73
AI “ ”
“ ”
80%
“ ” “ 3.15” “ ”“
” “ ”
30 50 70
“ 2020 ”
“ ”
872 3,187 423 463
1,000 “ ”“ ”“ ”“ ”“
App6.0” “ ”“ ” “ ”“
”“ ”“ ”
“ 2020
”
2021 “ ” 2035
“ ”
2021 “ ”
2020 3.9%
2021
“ ”
2021 “ ”
74 重慶農村商業銀行股份有限公司
2020 “
” “ ”
“ ”
2,000
“ ” “ ”
“ ”“ ”
“ ” “
+ + + + ” “ + + + + ”
; “ ” “ ”
“ ” “
”
“ ” “ ”
“ ” “ ”
“ ”
2021 “ ” “ ”
100
2020
2020 年年度報告 75
1.
%
2019 12 31 2020 12 31
7,743,394,491 68.18 (4,774,195,550) (4,774,195,550) 2,969,198,941 26.14
1
2 2,819,731,591 24.83 (445,559,980) (445,559,980) 2,374,171,611 20.90
3 4,923,561,882 43.35 (4,328,534,552) (4,328,534,552) 595,027,330 5.24
3,633,059,845 31.99 (3,053,482,545) (3,053,482,545) 579,577,300 5.10
1,290,502,037 11.36 (1,275,052,007) (1,275,052,007) 15,450,030 0.14
4 101,018 0.00 (101,018) (101,018) 0 0.00
101,018 0.00 (101,018) (101,018) 0 0.00
3,613,605,509 31.82 4,774,195,550 4,774,195,550 8,387,801,059 73.86
1 1,100,269,468 9.69 4,774,195,550 4,774,195,550 5,874,465,018 51.73
2
3 2,513,336,041 22.13 2,513,336,041 22.13
4
11,357,000,000 100.00 11,357,000,000 100.00
“ ” 2020 12 31 “ ” “
”
2.
4,774,195,550
4,774,195,550 A 256,730,532 6
2020 4 30 A 4,517,465,018
12 2020 10 30 2020
2,969,198,941
76 重慶農村商業銀行股份有限公司
2020 1 9 2020 “ ”
“ 20 ” 2021001 3
20 3.2%
2020 3 12 2020
“20 ” 2021008 3
80 2.89%
2020 11 5 2020
“ 20 01” 2021031
3 20 3.60%
1. 39
2.
2020 10 30
2020 年年度報告 77
2020 275,965 A 274,714 H 1,251
2021 2 28 A 274,738
A 273,496 H 1,242
1.
%
0 2,513,336,041 22.13 0 – –
0 988,000,000 8.70 988,000,000 – –
0 797,087,430 7.02 797,087,430 – –
0 589,084,181 5.19 589,084,181 – –
0 570,000,000 5.02 570,000,000 570,000,000
0 443,100,000 3.90 0 431,009,199
0 200,000,000 1.76 0 – –
(113,550,775) 186,449,225 1.64 0 134,028,183
0 150,000,000 1.32 0 150,000,000
0 150,000,000 1.32 0 120,000,000
1.
H
2.
A 2,000,000
10,000,000 15,000,454 H
13,246,000
1,028,246,454 9.05%
3. A
30,000,000 A 827,087,430 7.28%
4. A 110,700
A 443,210,700 3.90%
78 重慶農村商業銀行股份有限公司
2.
2,513,336,041 2,513,336,041
443,100,000 443,100,000
200,000,000 200,000,000
186,449,225 186,449,225
150,000,000 150,000,000
150,000,000 150,000,000
125,000,000 125,000,000
108,452,600 108,452,600
100,000,000 100,000,000
90,400,631 90,400,631
3.
1 988,000,000 2023 4 0 42
2 797,087,430 2023 4 0 42
3 589,084,181 2023 4 0 42
4 570,000,000 2023 4 0 42
5 5,200,000 2022 10 0 36
6 4,000,000 2022 10 0 36
7 1,000,000 2022 10 0 36
8 817,400 2022 10 0 36
9 301,000 2022 10 0 36
10 263,800 0
2022 10 39,570 36 48 60
2023 10 39,570 72 96
2024 10 39,570
2025 10 13,190
2027 10 131,900
2020 年年度報告 79
2020 8.70% 50%
5% 10%
50%
1. 5%
2020
988,000,000
797,087,430 589,084,181 570,000,000
8.70% 7.02% 5.19% 5.02%
5%
5%
(1) “ ”
2004 2 27 100
(2) 1993 2
200 “ ”
(3) “ ”
2002 12 6 52.87
2019
100%
(4) 2003 1 22 10
500
2.
2020
443,100,000
200,000,000 186,449,225 150,549,000 150,000,000
3.90% 1.76% 1.64% 1.33% 1.32%
80 重慶農村商業銀行股份有限公司
(1) 1997 11.16
“ AAA ”“
500 ”“ ”
(2) 2001 5
1
(3) 1997 4
1
(4) 1987 11 25
38.84 A
(5) 2003 12 1
“ ” “ AAA
”
1. 2020 10%
2.
2020 年年度報告 81
2020
XV 2 3
336
A
%
A A
988,000,000 11.17 8.70
797,087,430 9.01 7.02
589,084,181 6.66 5.19
570,000,000 6.45 5.02
443,100,000 5.01 3.90
200,000,000 2.26 1.76
186,449,225 2.11 1.64
150,000,000 1.70 1.32
H
%
H
(3)
BlackRock, Inc.(1) 148,289,223 (L) 5.90 1.31
3,762,000 (S) 0.15 0.03
BlackRock Global Funds 132,885,000 (L) 5.29 1.17
Citigroup Inc.
150,580,859 (L) 5.99 1.33
1,107,100 (S) 0.04 0.01
147,927,708 (P) 5.88 1.30
(2)
340,719,000 (L) 13.56 3.00
Fosun International Holdings Ltd.(2) 340,719,000 (L) 13.56 3.00
Fosun Holdings Limited(2) 340,719,000 (L) 13.56 3.00
Fosun International Limited(2) 340,719,000 (L) 13.56 3.00
150,549,000 (L) 5.99 1.33
(1) BlackRock, Inc. 2020 9 14 BlackRock, Inc.
148,289,223 H 3,762,000 H BlackRock,
Inc. Trident Merger, LLC, BlackRock Holdco 2, Inc.
BlackRock, Inc.
(2) Fosun International Holdings Ltd. 85.29% Fosun International Holdings
Ltd. Fosun Holdings Limited 100% Fosun Holdings Limited Fosun
International Limited 71.05% Fosun International Holdings Ltd.
Fosun Holdings Limited Fosun International Limited
Fosun International Limited
340,719,000 H
(3) (L) (S) (P)
82 重慶農村商業銀行股份有限公司
1
57 2008 06
48 2014 08
46 2018 12
46 2019 08
39 2020 12
50 2020 12
55 2008 06
55 2017 09
58 2018 12
43 2019 06
55 2020 12
52 2020 12
48 2015 11 2020 06
58 2018 01 2021 01
45 2014 11 2020 12
53 2014 11 2020 12
45 2008 06
36 2020 10
40 2020 10
46 2020 10
47 2020 10
55 2011 11
55 2011 11
44 2019 06
1
2. 2020 11
2020 年年度報告 83
45 2008 06 2020 10
54 2014 10 2020 10
51 2014 10 2020 10
47 2014 10 2020 10
1
48 2013 12
57 2015 07
45 2011 05
48 2015 10
46 2016 09
41 2016 09
50 2015 10 2020 06
2016 09 2020 06
1
84 重慶農村商業銀行股份有限公司
2020 12 7
2020 6 23
2021 1 20
2020 12 7 2020 12 22
2020 12 7
2020 10 20
2020 10 20
2020 10 20
2020 10 20
2020 5 22 2020 6 4
6
2020 5 2020 6
2020 9
2020 年年度報告 85
0 23,500 23,500 2019 2020
0 23,500 23,500 2019 2020
0 18,300 18,300 2019 2020
0 1,000 1,000 2020
10,000 13,000 3,000 2020
11,900 11,900 0 –
37,600 37,600 0 –
0 20,000 20,000 2019 2020
0 18,000 18,000 2019 2020
300 18,300 18,000 2019 2020
100 17,700 17,600 2019 2020
1,500 3,800 2,300 2020
10,000 15,000 5,000 2020
0 10,000 10,000 2019
86 重慶農村商業銀行股份有限公司
2008 6
2005
2015
2014 12 2016 3
2002 11 2008 6
1992 9 2002 11
1985 2 1992 9
2013 12 2014 8
1994 1997
2011 5 2013 12
2008 8 2011 5
2007 1 2008 8
1998 3 2007 1
1997 7 1998 3
2016 9 2018 7
2018 12 2020 5
2020 9
1998 7
2008 12
2016 3 2017 1
2014 11 2016 3
2008 8 2014 11
2004 6 2008 8
2001 2 2004 6 1999 2
2001 2 1998 7 1999 2
2020 年年度報告 87
8
2019
1994 9 1998 7 CPA
2019 8
2014 1
2015 7 2016 7
2019 12 2020 5
2015 7 2019 8
2014 1
2015 4 2015 7
2016 7 2016 7
2018 3 2018 9
2019 4 2014 10 2015 7
2014 1
2015 4
2012 8 2014 10
2011 12 2012 8
2011 1 2011 12
2008 12 2011 1
2002 9
2008 12 2006 3
1998 7 2002 9 2000 9
2002 7
2020 12
1999 9 2003 6 2020 4
2016 4 2020 4 2020 2
2012 9 2016 3
2011 9 2014 6
2014 6 2009 5 2012 9
2007 9 2009 6 2003
7 2009 4 2005 3 2007 8
88 重慶農村商業銀行股份有限公司
2020 12 1997 9 2000 7
2018 7
2017 3 2018 7
2014 4 2017 3
2013 9 2014 4
2013 1 2013 9
2011 9 2012 12
2010 3 2011 9
2009 9 2010 3
2008 8 2009 8
2006 2 2008 8
2008 3
2005 5 2006 2
2004 6 2006 2 2005 2
2002 12 2004 6 2000
10 2002 12 2000 3 2000 10
1998 11 2000 2
\ 1997 3 1998 11
1996 3 1997 2 1996
11 1997 2
1992 7 1996 3 1996 3
2008 6
1988
2001 3 2000 6
2001 3 1996 11
2000 6 1992 4 1996 11
1988 9 1992 4
2020 年年度報告 89
2017 9
1985 6
1988 6 2000 6
2003 1
1988 7 2000 5
2018 5
2018 8 2019 2 2008 8 2016 11
2015 6 2015 10
2014 9 2015 10 2014 9
2015 10 2011 7 2015 10
2011 4 2014 4
2007 4 2010 4 2007 8
2008 8 2004 2 2007 4
2004 6 2004 12
2018 12
1980 9
1991
1999 2002 2017 1
2020 11
002926 2013 7 2015 11
000568 2007 5
2017 1 2010 10 2015 3
000598 2015 1 2015 11
2013 5 2015 2 2000 10 2007 5
2006 12 2007 5
Sandiego 1994 7 2000 10
1998 11 1999 5 Duquesne 1983 7 1991 9
90 重慶農村商業銀行股份有限公司
2019 6
2003 6
2009 7
2020 7 (The Carlyle Group)
2011 4 2020 6 (Clearwater Capital Partners)
2003 9 2011 2 The Boston Consulting Group
500
2020 12
1982 9 1986 7
1986 7 1989 7
1999 9 2006 6
2005 10
2014 9
2020 5
200054 2012 3 2019 9
2011 12 2013 3
2011 4 2011 12 2009 9
2011 4 2008 1 2009 8
2005 8 2008 1 2005 10
2016 11 2008 2019 7
2002 7 2005 8
1999 9 2004 6
2000 6 2002 7 1999
7 2000 6 1995 1 1999 6
1998 7 1990 3 1994 12
2020 年年度報告 91
2020 12
1986 9 1990 7
2005 9
2015 9 2016
9 2019 3
603109 2001 9 2010 6
2001 9 2002 7
1997 9 2000 6
1999 7 2000 3 DSC
1997 9 2005 7
1990 7 1997 7
2008 6
2018 5
1998 2
2000 7 1995 7 1998 2
1999 12
2020 10
2016 1
2014 9 2013 1
2014 8 2011 9 2012 12
2010 7 2011 9
2010 7
92 重慶農村商業銀行股份有限公司
2020 10
2018 11
2015 6 2014 9
2010 9 2008 6
2020 10
2018 2015 2009
2006 1998 2006
2009
2020 10
2016 5
2015 7 2014 9
2012 3
1999 9 2012 2
1997 3 1999 8 1994 7
1997 2 1995 6
2011 11
2019 6 2019 8
2016 5 2019 6 2011 4
2016 5 2008 8 2011 4
2007 7 2008 8 2007 1 2007 7
2006 12 2007 1
2004 6 2006 12
2000 5 2004 6 1998 8 2000
5 1984 4 1998 8
1999 12
2020 年年度報告 93
2011 11
2017 4 2020
5 2011 10 2017 4 2011
4 2011 10 2010 1 2011 4
2008 8 2010 1 2002 6
2002 7 2002 7 2002 12
2002 12 2008 8
1998 6 2002 6
1983 7 1998 6
2001 6
2019 6
2019
11 2020 5 2013 12 2020 5
2017 4 2018 8 2007 7 2013
12
2003 3 2007 7
2007 3 2007 5
2000 1 2003 3
1999 7
2009 1 2012 6
“ ”
2015 7 2006 7
2015 7 A 601963 2000 7
2006 7
1994 12 2000 7
1988 6
1994 12 1986 7 1988 6
1986 7 2013 6
94 重慶農村商業銀行股份有限公司
2011 5 2008 8 2011 5
2004 10 2008 8
2002 3 2004 10 2001 4 2002 3
1997 6 2001 4
2011 12
2015 10 2008 8 2015 10
2005 8 2008 8
1998 1 2005 8
1992 11 1998 1
1997 12
“ ”
2016 9 2020 7
2010 5 2016 9
2009 4 2010 5 2002
3 2009 4
2001 7 2002 3
2001 7 2005 1
2020 年年度報告 95
2020
2020
37.02 7.56 – – 44.58
37.02 7.56 – – 44.58
29.62 7.56 3.84 – 41.02
– – – 9.00 9.00
– – – 0.00 0.00
– – – 0.00 0.00
– – – 9.00 9.00
– – – 18.00 18.00
– – – 18.00 18.00
– – – 18.00 18.00
– – – 0.00 0.00
– – – 0.00 0.00
– – – 7.50 7.50
– – – 0.00 0.00
– – – 0.00 0.00
– – – 0.00 0.00
– – – 0.00 0.00
– – – – –
– – – – –
– – – – –
29.62 7.56 3.84 – 41.02
29.62 7.56 3.84 – 41.02
29.62 7.56 3.84 – 41.02
29.62 7.56 3.84 – 41.02
96 重慶農村商業銀行股份有限公司
2020
– – – 4.50 4.50
– – – 9.00 9.00
– – – 16.50 16.50
– – – 16.50 16.50
– – – 6.25 6.25
– – – 10.00 10.00
– – – 10.00 10.00
– – – 10.00 10.00
12.34 3.69 1.60 – 17.63
1. 2015 1 1
2. 2020
3.
2020
4.
5.
6.
2020 年年度報告 97
2020 15,088 11,294
75% 436 589 6,392
343
15,088
2,942
9,015
1,009
1,263
859
30 2,305
31-40 6,955
41-50 3,657
51 2,171
819
10,453
3,816
2020 “ ”
“ ”
“ ”
“ + ” “
+ ”
“ ”
2
2,624 512,825
98 重慶農村商業銀行股份有限公司
2021
“ 100 ”
“ + ” “ + +
” “ + ” “ +
”
M-learning “ ”“ ”
36 2 1485
142 8 151
14 173
1 1-3 1-4-1-1 1 11
1-4-1-2 1-4-2-2
10 1-1 29 303
118 37 36 337
38 39
2 1 51 427
24 30 355
20 27 265
91 38 314
1 1-1
21 23 25 18 239
145 56 394
36 13 124
55 77 488
1
13 49 344
83 520
E
2 89 618
399 56 407
24 40 298
34 43 344
4 40 288
102 50 367
39 301
390 2
36 290
106
4 40 336
91 96 679
46 374
26 1
2020 年年度報告 99
30 25 169
187 47 335
371 48 321
49 60 416
64 489
1335 69 472
32 46 356
258 31 258
25 38 304
7 1-1
217 34 279
36 35 289
32 231
41
36 259
46 311
5
46 323
2 4
“ 2 55
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1,765 15,088
100 重慶農村商業銀行股份有限公司
“ ”
101 281 136
4 35 23 111 48
9 23 15 56 89
73 9 23 1
1
2020 12 31
2020 4 2019 2020
2020 2020
2019
2020 5 20 2019 2019 2019
2019 2019 2019
2020 2019 2020 17
4
2020 年年度報告 101
2020
2020 6 29 2020 2020
2
5
2020
2020 10 20 2020 2020
15
3
2020
2020 11 30 2020 2020
1
4
2020 4
4 3 75%
4 2 50%
4 3 75%
4 1 25%
– – –
1 0 0%
4 1 25%
– – –
4 0 0%
4 0 0%
4 4 100%
4 0 0%
4 2 50%
4 0 0%
– – –
– – –
102 重慶農村商業銀行股份有限公司
2020 12 7
2020 12 22
2020 2019 2020
2019
2020 2020
12 3
4
5
2020 12 7
2020 12 7
2020 12 22
2020 12 31
D.3.1
4
14
2020 年年度報告 103
4 1
23 2019 2020
2019 159
2019
23 8 15
23 23 0 100%
23 19 4 100%
23 22 1 100%
23 22 1 100%
3 3 0 100%
10 9 1 100%
23 20 3 100%
1 1 0 100%
23 21 2 100%
20 20 0 100%
20 20 0 100%
23 23 0 100%
23 23 0 100%
23 21 2 100%
3 3 0 100%
3 3 0 100%
104 重慶農村商業銀行股份有限公司
1. 2020 12 7
2020 12 7 2020
12 22
2. 2020 6 23
3. 2021 1 20
4. 2020
2020
23/23 7/7 3/3 2/2
23/23 7/7 13/13 1/1 3/3 2/2 2/2 4/4
23/23 13/13 14/14 1/1
23/23 2/2
3/3 1/1
1/1
10/10 6/6 8/8
23/23 13/13 3/3
23/23 14/14 4/4
20/20 6/6 10/10 13/13 2/2
20/20 3/3 2/2 9/9 2/2
23/23 14/14 3/3 10/10 4/4
23/23 7/7 3/3 10/10 4/4
23/23 3/3 3/3 10/10
3/3 1/1 1/1
3/3 1/1 1/1 1/1 1/1
2020 年年度報告 105
1. 2019 8 29 2020 10 29
2. 2020 12 7
2020 12 7
3. 2020 12 22 2020
4. 2020 12 7
5. 2021 1 20
6. 2020 6 23
3 3
6
2020 12 31
2020 12 31
106 重慶農村商業銀行股份有限公司
16
2020
1.
5
1
2
3
4
5
6
7
7 2020-2022
2020 2020 2020-2022 “ ”
13
7 2020 10 29
2 2020 12 7 1
2020 年年度報告 107
2.
5
1
2
3
4
5
6
7
/
/
8
13 2020
2019 2019 2019
2019 27
13 2020
12 7 1
3.
5
1
2
108 重慶農村商業銀行股份有限公司
3
4
5
6
14
800,000 30,000
23,118
30
14 2020 10 29
2 2020 12 7
1
4.
5
1
2
3
4
5
6
7
8
2020 年年度報告 109
2013 8 27
1
2
3
4
5
6
110 重慶農村商業銀行股份有限公司
7
1
2
3
4
5
3
3
5.
5
1
2
2020 年年度報告 111
3
4
5
6
3 2019
2019 6
3 2020 12 7
1
1
2
3
4
6.
5
3.21
1
2
3
112 重慶農村商業銀行股份有限公司
4
5
6
7
8
9
10
11
12
10 2020
2019 2019 31
10
2020 12 7 1
2
7.
5
1
2
3
4
2020 年年度報告 113
5
6
2
2019 2020
2
8.
5
1
2
3
4
5
4 2019
2020 2020
4
4
2020 8 2
3 3
114 重慶農村商業銀行股份有限公司
2020 9
38
6/6
9/9
3/3
6/6
6/6
6/6
3/3
3/3
3/3
8/9
9/9
8/9
1. 1
2. 1
2020 年年度報告 115
“ ” 2020 12
31
2019
2020 7
2020 2020
2 1 2020
2
765 80
2019
2021 12 31 2019
“ ”
2020
2020
116 重慶農村商業銀行股份有限公司
2020
“ ”
IT
2020 8 26
3.29 15
2020
2020 8 26
2020 7 132
2020 9 11
[2020]197
2020 9 11
10% 2
3%
3% 10
2
2020 年年度報告 117
2020 5 20 2019
2020 9 2
[2020]184
2019
20
10 15 H
1/2 A
“ ” 2019 23-25
“
”
“
”
“
”
118 重慶農村商業銀行股份有限公司
A
188
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(8623) 6111 1637
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1 31
(www.cqrcb.com) (www.hkexnews.hk)
(http://www.sse.com.cn)
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2020 年年度報告 119
2020 12 31
10%
2019
2020 5 20 2019
113.57 2019 0.23
26.12 A 20.34
2020 6 19 H 5.78 2020 7 13
2020
2020 2019 2020
2020
2020 78.63 10%
7.86 1.5% 17.02
0.222 2020 25.21
2020 2020 A
2021 6 29 H 2021 7 9
A H
2020
120 重慶農村商業銀行股份有限公司
2020 2019 2018
2,521 2,612 2,000
29.44% 26.15% 21.82%
30.01% 26.76% 22.08%
2020 2020
H
2020 2021 5 28
2021 4 28 2021 5 28
H H 2020 2021 4
27 4 30 H
183 17M
2020 12 31 “ ”
2020 12 31 “ ”
2020 12 31 2,590
2020 12 31 “
9. ”
“ 19.
”
2020 12 31 “
”
2020 年年度報告 121
30%
2020 12 31
2020 12 31 “ ”
12 3
4
5
8 2
3 3
6 1 5
“ ”
3.13
122 重慶農村商業銀行股份有限公司
2020 12 31
XV 352
%
A A
23,500 0.00027 0.00021
23,500 0.00027 0.00021
18,300 0.00021 0.00016
1,000 0.00001 0.00001
13,000 0.00015 0.00011
11,900 0.00013 0.00010
37,600 0.00043 0.00033
2020 12 31
14A
2020 年年度報告 123
2020 12 31
2020 12 31 336
“ ”
“ ”
14A
14A
14A
14A 24 “ ”
14A
124 重慶農村商業銀行股份有限公司
2020 12 31 “
”
2020 12 31 11,357,000,000 A 8,843,663,959 H
2,513,336,041
2020
12 31
A
[2012]85
[2015]101 1 1
1 1 1
50% 1
20%
50%
20%
2020 年年度報告 125
12
QFII
QFII
[2009]47 QFII
10% QFII
2019 35
[2014]81 A
10%
10%
H
H
[2008]897 H 2008
10%
126 重慶農村商業銀行股份有限公司
10% 10%
1. 10%
2. 10% 20%
3.
20%
[2014]81
H H
20%
[2016]127
H H
20%
[2014]81
H 12
[2016]127
H 12
2020 年年度報告 127
“
”
“ ”
“ ”
128 重慶農村商業銀行股份有限公司
2020
2020 2020
2021 3 30
2020 年年度報告 129
9
38 9 4
2 1 2 23
4 8
“ ”
“ ”
130 重慶農村商業銀行股份有限公司
2020
2020 年年度報告 131
2020
2020
2021 3 30
132 重慶農村商業銀行股份有限公司
2019 9 20 2019 10 28
1. 2019 9 20
5
A
A
2.
2020 年年度報告 133
1. A
2.
1
2
3
“ 2019 10 29
1
25%
”
150 150 5 2019 10 29
149 “ 2027 10
5 A 3 3 29
149
15% 3
5
50% ” 1
134 重慶農村商業銀行股份有限公司
36 2019 10 29
/ 2025 4
A 29
1. 6
A 20
6
“ ”
“ ”
6
2. 2
A
A
3.
A
3
A
2020 年年度報告 135
2019 10 29
A
A
2019 10 29
( )
136 重慶農村商業銀行股份有限公司
A 2019 10 29
A 20 2022 10
29
1. 2019 9 20
2.
3-5 “
”
2020 3,148
2020 年年度報告 137
159.17
3.15% “
”
“ ”
2020 “ ”
138 重慶農村商業銀行股份有限公司
32
“ ” 2020 18
1,409.20 284.75 25.32%
101.87 12.58 14.08%
1,018,667.39
340
250
“ ”90
1.
1.1
1.2 398,657.32
2.
2.1 56
3.
3.1 10
3.2 100.20
4.
4.1 250
5.
5.1 286,305.07
“ ” “ ”
2020 “ ”
2020 年年度報告 139
2 2017
2020
2020 2020
2020
2020
2020
140 重慶農村商業銀行股份有限公司
1.
2.
3.
4.
2020 年年度報告 141
(2021) 10038
“ ” 2020
12 31 2020
2020 12 31 2020
“
”
142 重慶農村商業銀行股份有限公司
7 1 b
1 6 13
37
2020 12 31
5,078.86
209.28
94.59
22
2020 年年度報告 143
144 重慶農村商業銀行股份有限公司
4 2
2020 12 31
1,372.55
2020 年年度報告 145
2020
146 重慶農村商業銀行股份有限公司
2020 年年度報告 147
2021 3 30
148 重慶農村商業銀行股份有限公司
2020 12 31
2020 2019
12 31 12 31
1 65,368,923 77,413,594
2 27,771,457 15,625,365
3 109,615,104 130,375,760
4 58,492 92,263
5 1,303,008 –
6 486,963,403 416,340,781
7
30,164,463 23,677,991
383,164,489 346,418,416
16,055,223 6,679,007
570,321 577,835
8 450,328 –
9 4,920,318 4,973,884
167,924 177,216
10 542,778 524,325
11 7,538,644 5,914,297
12 1,271,568 999,372
1,135,926,443 1,029,790,106
14 62,313,807 31,217,989
15 35,439,301 9,493,063
16 26,699,999 26,075,629
4 81,746 59,616
17 6,373,200 15,086,128
18 724,999,814 673,401,819
19 4,558,014 4,467,413
20 1,439,716 1,399,697
21 251,589 403,619
148,955 163,963
22 173,178,209 171,330,067
23 5,810,012 7,328,905
1,041,294,362 940,427,908
2020 年年度報告 149
2020 12 31
2020 2019
12 31 12 31
24 11,357,000 11,357,000
25 20,338,389 20,428,389
42 (686,483) (442,627)
26 12,069,842 11,283,588
27 14,056,058 12,635,296
28 36,093,799 32,511,728
93,228,605 87,773,374
1,403,476 1,588,824
94,632,081 89,362,198
1,135,926,443 1,029,790,106
150 重慶農村商業銀行股份有限公司
2020 12 31
2020 2019
12 31 12 31
1 65,193,644 77,237,199
2 25,942,124 15,336,886
3 113,700,444 134,719,083
4 58,492 92,263
5 1,303,008 –
6 446,485,876 379,839,150
7
31,165,230 23,677,991
382,454,202 346,521,226
16,055,223 6,679,007
570,321 577,835
8 5,853,707 3,013,379
9 4,634,749 4,822,135
119,017 149,124
10 540,263 521,812
11 7,234,928 5,694,689
12 1,158,925 927,578
1,102,470,153 999,809,357
14 62,130,960 31,132,434
15 36,364,524 10,077,485
16 2,518,551 5,190,781
4 81,746 59,616
17 6,373,200 15,086,128
18 723,246,055 671,687,519
19 4,412,402 4,307,038
20 1,307,493 1,290,443
21 251,584 403,619
105,607 139,022
22 171,226,188 169,379,523
23 2,540,553 4,151,031
1,010,558,863 912,904,639
2020 年年度報告 151
2020 12 31
2020 2019
12 31 12 31
24 11,357,000 11,357,000
25 20,437,768 20,437,768
42 (686,483) (442,627)
26 12,069,842 11,283,588
27 13,524,906 12,231,636
28 35,208,257 32,037,353
91,911,290 86,904,718
1,102,470,153 999,809,357
152 重慶農村商業銀行股份有限公司
2020
2020 2019
28,186,176 26,629,808
24,248,870 23,373,635
29 45,858,981 45,137,586
29 (21,610,111) (21,763,951)
2,902,864 2,239,026
30 3,010,623 2,359,517
30 (107,759) (120,491)
31 929,101 661,012
32 (119,499) 192,393
(34,991) 64,124
33 96,336 45,929
34 163,495 53,689
(18,119,113) (14,409,405)
35 (273,643) (236,247)
36 (7,635,790) (7,599,668)
37 (10,208,593) (6,572,643)
(1,087) (847)
10,067,063 12,220,403
38 44,981 25,404
39 (49,251) (12,879)
10,062,793 12,232,928
40 (1,498,020) (2,244,818)
8,564,773 9,988,110
8,564,773 9,988,110
8,401,197 9,759,893
163,576 228,217
2020 年年度報告 153
2020
2020 2019
42
67,544 (29,866)
(80,902) (15,395)
(230,498) (137,095)
8,320,917 9,805,754
8,157,341 9,577,537
163,576 228,217
41 0.74 0.95
154 重慶農村商業銀行股份有限公司
2020
2020 2019
26,534,330 25,269,519
22,518,722 21,940,559
29 43,241,140 42,762,523
29 (20,722,418) (20,821,964)
2,894,353 2,238,972
30 3,001,442 2,357,190
30 (107,089) (118,218)
31 1,037,250 746,012
32 (118,732) 192,393
(34,991) 64,124
33 96,375 45,720
34 141,353 41,739
(17,296,383) (13,772,138)
35 (262,001) (226,443)
36 (7,460,664) (7,414,878)
37 (9,572,631) (6,129,970)
(1,087) (847)
9,237,947 11,497,381
38 27,110 23,096
39 (48,389) (11,538)
9,216,668 11,508,939
40 (1,354,130) (2,142,512)
7,862,538 9,366,427
7,862,538 9,366,427
2020 年年度報告 155
2020
2020 2019
42
67,544 (29,866)
(80,902) (15,395)
(230,498) (137,095)
7,618,682 9,184,071
156 重慶農村商業銀行股份有限公司
2020
2020 1 1 11,357,000 20,428,389 (442,627) 11,283,588 12,635,296 32,511,728 1,588,824 89,362,198
– – – – – 8,401,197 163,576 8,564,773
42 – – (243,856) – – – – (243,856)
– – (243,856) – – 8,401,197 163,576 8,320,917
1. – (90,000) – – – – (300,000) (390,000)
1. 26 – – – 786,254 – (786,254) – –
2. 27 – – – – 1,420,762 (1,420,762) – –
3.
28 – – – – – (2,612,110) (48,924) (2,661,034)
2020 12 31 11,357,000 20,338,389 (686,483) 12,069,842 14,056,058 36,093,799 1,403,476 94,632,081
2020 年年度報告 157
2020
2019 1 1 10,000,000 11,897,678 (255,095) 10,346,945 12,225,243 26,093,355 1,400,607 71,708,733
– – – – – 9,759,893 228,217 9,988,110
42 – – (182,356) – – – – (182,356)
– – (182,356) – – 9,759,893 228,217 9,805,754
1. 24 1,357,000 8,530,711 – – – – – 9,887,711
1. 26 – – – 936,643 – (936,643) – –
2. 27 – – – – 410,053 (410,053) – –
3.
28 – – – – – (2,000,000) (40,000) (2,040,000)
1.
– – (5,176) – – 5,176 – –
2019 12 31 11,357,000 20,428,389 (442,627) 11,283,588 12,635,296 32,511,728 1,588,824 89,362,198
158 重慶農村商業銀行股份有限公司
2020
2020 1 1 11,357,000 20,437,768 (442,627) 11,283,588 12,231,636 32,037,353 86,904,718
– – – – – 7,862,538 7,862,538
42 – – (243,856) – – – (243,856)
– – (243,856) – – 7,862,538 7,618,682
1. 26 – – – 786,254 – (786,254) –
2. 27 – – – – 1,293,270 (1,293,270) –
3. 28 – – – – – (2,612,110) (2,612,110)
2020 12 31 11,357,000 20,437,768 (686,483) 12,069,842 13,524,906 35,208,257 91,911,290
2020 年年度報告 159
2020
2019 1 1 10,000,000 11,907,057 (255,095) 10,346,945 11,855,025 25,979,004 69,832,936
– – – – – 9,366,427 9,366,427
42 – – (182,356) – – – (182,356)
– – (182,356) – – 9,366,427 9,184,071
1. 24 1,357,000 8,530,711 – – – – 9,887,711
1. 26 – – – 936,643 – (936,643) –
2. 27 – – – – 376,611 (376,611) –
3. 28 – – – – – (2,000,000) (2,000,000)
1.
– – (5,176) – – 5,176 –
2019 12 31 11,357,000 20,437,768 (442,627) 11,283,588 12,231,636 32,037,353 86,904,718
160 重慶農村商業銀行股份有限公司
2020
2020 2019
– 20,508,603
18,024,506 4,122,143
31,067,674 896,698
– 9,144,989
624,106 –
74,862,031 41,085,799
34,386,741 34,552,498
507,042 991,234
159,472,100 111,301,964
(849,150) –
(79,903,872) (56,609,846)
(1,135,806) (198,777)
(8,722,336) –
– (2,840,687)
(14,826,592) (14,189,755)
(4,661,016) (6,130,484)
(4,775,896) (5,337,261)
(2,227,152) (2,143,895)
(117,101,820) (87,450,705)
43 42,370,280 23,851,259
176,771,684 179,247,875
14,237,030 12,926,435
143,059 56,207
191,151,773 192,230,517
(228,247,446) (243,245,791)
(790,128) (837,524)
(229,037,574) (244,083,315)
(37,885,801) (51,852,798)
2020 年年度報告 161
2020
2020 2019
225,530,930 256,640,438
– 9,887,711
225,530,930 266,528,149
(3,318,963) (2,709,435)
(227,370,000) (249,820,000)
(390,000) –
(48,875) (40,000)
(94,014) (73,484)
(231,221,852) (252,642,919)
(5,690,922) 13,885,230
(58,649) 12,102
(1,265,092) (14,104,207)
20,533,230 34,637,437
43 19,268,138 20,533,230
162 重慶農村商業銀行股份有限公司
2020
2020 2019
73,425 20,392,390
18,244,755 3,282,305
30,970,430 990,000
– 9,144,989
75,176,954 40,930,589
31,781,188 32,014,628
176,174 321,146
156,422,926 107,076,047
(75,434,165) (51,239,923)
(1,135,806) (198,777)
(2,648,464) (3,553,400)
(8,722,336) –
(14,050,856) (13,343,952)
(4,550,027) (6,011,930)
(4,475,734) (5,011,905)
(1,867,666) (2,137,166)
(112,885,054) (81,497,053)
43 43,537,872 25,578,994
176,771,684 179,247,875
14,350,145 13,011,435
143,059 55,833
191,264,888 192,315,143
(230,827,101) (243,345,791)
(630,698) (831,587)
(231,457,799) (244,177,378)
(40,192,911) (51,862,235)
2020 年年度報告 163
2020
2020 2019
225,530,930 254,744,892
– 9,887,711
225,530,930 264,632,603
(3,246,763) (2,709,435)
(227,370,000) (249,820,000)
(78,164) (65,811)
(230,694,927) (252,595,246)
(5,163,997) 12,037,357
(58,649) 12,102
(1,877,685) (14,233,782)
20,088,257 34,322,039
43 18,210,572 20,088,257
164 重慶農村商業銀行股份有限公司
2020
“ ” “ ”
“ ”
38
“ ”
[2007]58
[2008]169
2008 6 27
2008 6 27 60.00
60.00 1.00
2010 3 29
[2010]14 1.91 10
70.00
2010 8 3
[2010]367 H 2010 11 16
[2010]1634 “H ” 2010 12 16
2,000,000,000 H 2011 1 5
300,000,000 H 1.00 5.25
93.00
2017 9 18
[2017]130 “ ”
“ ” “ ”
5.75 7 1.00
100.00
2016 9 13 A
[2016]115 “A ” 2019
9 6
[2019]1657 “A ” 2019 10 29
1,357,000,000 1.00
7.36 113.57
2020 年年度報告 165
2020
“ ”
“ ” 2006 2 15
“ ”
15
2020 2020 12 31
2020
1
1 1 12 31
2
166 重慶農村商業銀行股份有限公司
2020
3
(1)
(2)
4
2020 年年度報告 167
2020
4
168 重慶農村商業銀行股份有限公司
2020
5
6
7
(i)
(ii)
(iii)
2020 年年度報告 169
2020
7
“ ”
170 重慶農村商業銀行股份有限公司
2020
7
(1)
(a)
(i)
(ii)
2020 年年度報告 171
2020
7
(1)
(a)
“ ”
“ ”
“ ”
“
”
“ ”
“ ”
172 重慶農村商業銀行股份有限公司
2020
7
(1)
(a)
“
”
“ ”
2020 年年度報告 173
2020
7
(1)
(a)
“ ”
(b)
174 重慶農村商業銀行股份有限公司
2020
7
(1)
(c)
2020 年年度報告 175
2020
7
(1)
(d)
(i)
(ii)
“ ”
(i)
(ii)
(iii)
176 重慶農村商業銀行股份有限公司
2020
7
(2)
(a)
(b)
10%
2020 年年度報告 177
2020
7
(2)
(c)
3(2)
14
3(2)
8
178 重慶農村商業銀行股份有限公司
2020
8
(1)
(2)
2020 年年度報告 179
2020
8
(2)
9
20 3% 4.85%
4 5 3% 24.25% 19.40%
5 3% 19.40%
5 3% 19.40%
180 重慶農村商業銀行股份有限公司
2020
9
10
2020 年年度報告 181
2020
11
12
13
182 重慶農村商業銀行股份有限公司
2020
14
(1)
(2)
(3)
(4)
2019 1 1
2020 年年度報告 183
2020
14
(5)
2018 12 31
(6)
(7)
184 重慶農村商業銀行股份有限公司
2020
15
7 3
16
17
2020 年年度報告 185
2020
17
18
(1)
(2)
186 重慶農村商業銀行股份有限公司
2020
18
(2)
(3)
2020 年年度報告 187
2020
19
20
(1)
(i)
(ii)
(iii)
188 重慶農村商業銀行股份有限公司
2020
20
(1)
(2)
2020 年年度報告 189
2020
20
(2)
12
(3)
“ ”
“ ”
“
”
21
(1)
(2)
(3)
190 重慶農村商業銀行股份有限公司
2020
1
2
(i) (ii)
(iii)
2020 年年度報告 191
2020
3
4
5
6
192 重慶農村商業銀行股份有限公司
2020
1
25%
[2011]58 2011 1 1 2020 12 31
15%
2013 1 1
2014 1 1
“ ” 2015
1 1 15%
2
[2016]36
2016 5 1
6% 3%
10%
16% 6%
6%
[2019]39
2019 4 1 16%
13% 10% 9%
13% 9%
2020 年年度報告 193
2020
3
7% 5%
4
3% 2%
1
(%) (%)
2010 58.50 200,000,000 58.50
2010 81.00 100,000,000 81.00
2010 90.00 200,000,000 90.00
2012 100.00 100,000,000 100.00
2013 81.00 100,000,000 81.00
2013 90.00 100,000,000 90.00
2013 93.00 100,000,000 93.00
2013 85.00 200,000,000 85.00
2013 82.26 62,000,000 82.26
2013 59.00 100,000,000 59.00
2015 51.00 200,000,000 51.00
2016 90.00 200,000,000 90.00
8 2014 80.00 2,500,000,000 80.00
8 2020 100.00 2,000,000,000 100.00
194 重慶農村商業銀行股份有限公司
2020
1
14 2020 12 31
2
(%) (%)
2020 30.00 1,500,000,000 30.00
3
1
2020 2019
12 31 12 31
3,144,929 3,185,322
(1) 54,561,748 62,788,556
(2) 5,702,967 9,751,213
(3) 1,959,279 1,688,503
65,368,923 77,413,594
2020 年年度報告 195
2020
1
2020 2019
12 31 12 31
3,128,686 3,170,112
(1) 54,465,114 62,666,167
(2) 5,641,803 9,713,626
(3) 1,958,041 1,687,294
65,193,644 77,237,199
(1) 2020 12 31 2019 12 31 7.5%
9.5% 2020 12 31
6% 5% 2019 12 31
7.5% 6.5% 6% 5%
“ ”
(2)
(3)
196 重慶農村商業銀行股份有限公司
2020
2
2020 2019
12 31 12 31
27,172,596 15,180,913
856,693 532,366
28,029,289 15,713,279
(257,832) (87,914)
(19,131) (5,056)
(238,701) (82,858)
27,771,457 15,625,365
2020 2019
12 31 12 31
25,342,664 14,892,458
856,693 532,366
26,199,357 15,424,824
(257,233) (87,938)
(18,532) (5,080)
(238,701) (82,858)
25,942,124 15,336,886
2020 12 31 2.39 2019 12 31
0.83
2020 年年度報告 197
2020
3
2020 2019
12 31 12 31
108,628,185 107,506,403
1,342,724 23,315,939
109,970,909 130,822,342
(355,805) (446,582)
(48,983) (73,418)
(306,822) (373,164)
109,615,104 130,375,760
2020 2019
12 31 12 31
112,714,367 111,850,756
1,342,724 23,315,939
114,057,091 135,166,695
(356,647) (447,612)
(49,825) (74,448)
(306,822) (373,164)
113,700,444 134,719,083
2020 12 31 3.07 2019 12 31
3.73
198 重慶農村商業銀行股份有限公司
2020
4
2020 12 31
2,571,800 41,586 (35,976)
335,681 – (42,593)
7,534,460 3,177 (3,177)
870,000 13,729 –
11,311,941 58,492 (81,746)
2019 12 31
3,209,133 59,948 (49,362)
3,633,258 16,776 (7,645)
9,043,972 2,609 (2,609)
870,000 12,930 –
16,756,363 92,263 (59,616)
5
2020 2019
12 31 12 31
1,304,187 –
1,304,187 –
(1,179) –
1,303,008 –
2020 年年度報告 199
2020
6
(1)
2020 2019
12 31 12 31
269,691,760 250,636,465
3,939,527 4,123,940
273,631,287 254,760,405
91,337,004 73,091,378
66,799,803 50,515,959
5,002,879 4,505,929
53,404,007 34,124,516
216,543,693 162,237,782
490,174,980 416,998,187
(20,922,467) (20,744,107)
(10,549,072) (8,544,976)
(4,246,604) (5,205,721)
(6,126,791) (6,993,410)
469,252,513 396,254,080
17,710,890 20,086,701
486,963,403 416,340,781
200 重慶農村商業銀行股份有限公司
2020
6
(1)
2020 2019
12 31 12 31
229,935,087 214,810,468
3,939,527 4,123,940
233,874,614 218,934,408
90,863,519 72,668,624
64,724,089 49,042,808
5,002,879 4,505,929
52,892,012 33,619,185
213,482,499 159,836,546
447,357,113 378,770,954
(18,582,127) (19,018,505)
(9,111,542) (7,599,276)
(4,003,945) (5,000,199)
(5,466,640) (6,419,030)
428,774,986 359,752,449
17,710,890 20,086,701
446,485,876 379,839,150
2020 年年度報告 201
2020
6
(2)
2020 12 31
466,434,647 16,022,166 7,718,167 490,174,980
(10,549,072) (4,246,604) (6,126,791) (20,922,467)
455,885,575 11,775,562 1,591,376 469,252,513
17,709,890 – 1,000 17,710,890
(4,970) – (1,000) (5,970)
2019 12 31
387,935,562 19,733,570 9,329,055 416,998,187
(8,544,976) (5,205,721) (6,993,410) (20,744,107)
379,390,586 14,527,849 2,335,645 396,254,080
20,073,282 1,469 11,950 20,086,701
(8,568) (1) (11,950) (20,519)
202 重慶農村商業銀行股份有限公司
2020
6
(2)
2020 12 31
425,862,022 14,504,365 6,990,726 447,357,113
(9,111,542) (4,003,945) (5,466,640) (18,582,127)
416,750,480 10,500,420 1,524,086 428,774,986
17,709,890 – 1,000 17,710,890
(4,970) – (1,000) (5,970)
2019 12 31
351,745,784 18,322,258 8,702,912 378,770,954
(7,599,276) (5,000,199) (6,419,030) (19,018,505)
344,146,508 13,322,059 2,283,882 359,752,449
20,073,282 1,469 11,950 20,086,701
(8,568) (1) (11,950) (20,519)
2020 年年度報告 203
2020
6
(3)
2020 12 31
228,141,507 18,443,261 8,175,637 254,760,405
(9,454,520) 9,454,520 – –
(2,192,817) – 2,192,817 –
3,383,622 (3,383,622) – –
– (6,544,866) 6,544,866 –
– 277,520 (277,520) –
133,814,218 – – 133,814,218
(101,014,846) (4,136,899) (1,000,551) (106,153,296)
– – (9,315,863) (9,315,863)
285,652 168,474 71,697 525,823
252,962,816 14,278,388 6,390,083 273,631,287
2020 12 31
159,794,055 1,290,309 1,153,418 162,237,782
(1,638,083) 1,638,083 – –
(997,584) – 997,584 –
134,644 (134,644) – –
– (340,805) 340,805 –
64,550 – (64,550) –
– 17,712 (17,712) –
133,878,007 – – 133,878,007
(78,101,461) (728,913) (344,386) (79,174,760)
– – (735,742) (735,742)
337,703 2,036 (1,333) 338,406
213,471,831 1,743,778 1,328,084 216,543,693
204 重慶農村商業銀行股份有限公司
2020
6
(3)
2019 12 31
185,788,433 34,392,561 7,506,052 227,687,046
(12,470,734) 12,470,734 – –
(1,817,680) – 1,817,680 –
15,914,572 (15,914,572) – –
– (881,808) 881,808 –
139,005,726 – – 139,005,726
(98,260,517) (11,864,256) (916,180) (111,040,953)
– – (1,129,252) (1,129,252)
(18,293) 240,602 15,529 237,838
228,141,507 18,443,261 8,175,637 254,760,405
2019 12 31
130,559,344 1,386,309 1,310,303 133,255,956
(1,158,861) 1,158,861 – –
(842,027) – 842,027 –
188,005 (188,005) – –
– (275,993) 275,993 –
52,287 – (52,287) –
– 17,010 (17,010) –
93,313,266 – – 93,313,266
(62,298,343) (807,462) (389,844) (63,495,649)
– – (814,185) (814,185)
(19,616) (411) (1,579) (21,606)
159,794,055 1,290,309 1,153,418 162,237,782
2020 年年度報告 205
2020
6
(3)
2020 12 31
194,225,959 17,132,352 7,576,097 218,934,408
(9,165,372) 9,165,372 – –
(2,070,537) – 2,070,537 –
3,381,187 (3,381,187) – –
– (6,540,529) 6,540,529 –
– 277,520 (277,520) –
117,404,053 – – 117,404,053
(88,584,704) (3,943,722) (995,731) (93,524,157)
– – (9,287,901) (9,287,901)
148,223 132,373 67,615 348,211
215,338,809 12,842,179 5,693,626 2,333,874,614
2020 12 31
157,519,825 1,189,906 1,126,815 159,836,546
(1,575,710) 1,575,710 – –
(988,777) – 988,777 –
128,211 (128,211) – –
– (312,097) 312,097 –
64,550 – (64,550) –
– 17,569 (17,569) –
131,845,430 – – 131,845,430
(76,804,177) (682,609) (335,580) (77,822,366)
– – (711,586) (711,586)
333,861 1,918 (1,304) 334,475
210,523,213 1,662,186 1,297,100 213,482,499
206 重慶農村商業銀行股份有限公司
2020
6
(3)
2019 12 31
155,990,558 33,787,957 7,146,391 196,924,906
(11,498,429) 11,498,429 – –
(1,492,136) – 1,492,136 –
15,839,124 (15,839,124) – –
– (877,797) 877,797 –
123,487,095 – – 123,487,095
(88,157,672) (11,649,441) (829,399) (100,636,512)
– – (1,129,252) (1,129,252)
57,419 212,328 18,424 288,171
194,225,959 17,132,352 7,576,097 218,934,408
2019 12 31
128,859,161 1,279,146 1,284,882 131,423,189
(1,107,937) 1,107,937 – –
(832,078) – 832,078 –
183,440 (183,440) – –
– (272,512) 272,512 –
52,040 – (52,040) –
– 16,010 (16,010) –
91,765,690 – – 91,765,690
(61,381,179) (756,938) (385,306) (62,523,423)
– – (807,741) (807,741)
(19,312) (297) (1,560) (21,169)
157,519,825 1,189,906 1,126,815 159,836,546
2020 年年度報告 207
2020
7
(1)
2020 2019
12 31 12 31
(i) 6,871,036 4,960,266
2,265,065 13,209,685
21,028,362 5,508,040
30,164,463 23,677,991
2020 2019
12 31 12 31
(i) 6,871,036 4,960,266
3,265,832 13,209,685
21,028,362 5,508,040
31,165,230 23,677,991
(i)
2020 2019
12 31 12 31
1,651,528 105,451
5,219,508 4,356,761
– 498,054
6,871,036 4,960,266
208 重慶農村商業銀行股份有限公司
2020
7
(2)
2020 2019
12 31 12 31
113,405,955 97,418,718
52,024,618 50,521,058
54,642,698 29,134,241
62,424,815 61,420,899
61,506,343 69,022,311
10,000,126 21,043,307
33,385,586 21,254,538
387,390,141 349,815,072
(1,062,189) (1,101,930)
(437,574) (2,294,726)
(2,725,889) –
383,164,489 346,418,416
2020 2019
12 31 12 31
112,592,853 97,418,718
52,024,618 50,521,058
54,745,540 29,237,076
62,424,815 61,420,899
61,506,343 69,022,311
10,000,126 21,043,307
33,385,586 21,254,538
386,679,881 349,917,907
(1,062,216) (1,101,955)
(437,574) (2,294,726)
(2,725,889) –
382,454,202 346,521,226
2020 年年度報告 209
2020
7
(2)
a.
2020 12 31
344,308,777 5,506,295 – 349,815,072
326,661 (326,661) – –
– (4,000,000) 4,000,000 –
155,038,582 – 60,000 155,098,582
(118,157,548) (400) – (118,157,948)
484,769 (114,267) 263,933 634,435
382,001,241 1,064,967 4,323,933 387,390,141
2020 12 31
344,411,612 5,506,295 – 349,917,907
326,661 (326,661) – –
– (4,000,000) 4,000,000 –
154,228,237 – 60,000 154,288,237
(118,157,548) (400) – (118,157,948)
482,019 (114,267) 263,933 631,685
381,290,981 1,064,967 4,323,933 386,679,881
210 重慶農村商業銀行股份有限公司
2020
7
(2)
a.
2019 12 31
289,234,500 2,511,844 – 291,746,344
(5,166,821) 5,166,821 – –
802,745 (802,745) – –
164,516,638 – – 164,516,638
(106,428,732) (1,480,068) – (107,908,800)
1,350,447 110,443 – 1,460,890
344,308,777 5,506,295 – 349,815,072
2019 12 31
289,234,500 2,511,844 – 291,746,344
(5,166,821) 5,166,821 – –
802,745 (802,745) – –
164,616,638 – – 164,616,638
(106,428,732) (1,480,068) – (107,908,800)
1,353,282 110,443 – 1,463,725
344,411,612 5,506,295 – 349,917,907
2020 年年度報告 211
2020
7
(3)
2020 2019
12 31 12 31
15,755,737 6,309,267
– 369,740
299,486 –
16,055,223 6,679,007
a.
2020 12 31
6,679,007 – – 6,679,007
10,580,976 – – 10,580,976
(1,348,335) – – (1,348,335)
143,575 – – 143,575
16,055,223 – – 16,055,223
2019 12 31
7,043,931 52,808 – 7,096,739
6,210,397 – – 6,210,397
(6,664,866) (52,808) – (6,717,674)
89,545 – – 89,545
6,679,007 – – 6,679,007
212 重慶農村商業銀行股份有限公司
2020
7
(4)
2020 2019
12 31 12 31
142,203 42,687
428,118 535,148
570,321 577,835
8
2020 2019
12 31 12 31
(2) 450,328 –
450,328 –
2020 2019
12 31 12 31
(1) 5,403,379 3,013,379
(2) 450,328 –
5,853,707 3,013,379
2020 年年度報告 213
2020
8
(1)
2020 2019
12 31 12 31
110,550 110,550
68,700 68,700
200,280 200,280
106,370 106,370
83,100 83,100
89,610 89,610
93,420 93,420
169,269 169,269
51,000 51,000
59,080 59,080
102,000 102,000
180,000 180,000
(i) 2,090,000 1,700,000
(ii) 2,000,000
5,403,379 3,013,379
(i) 2020
3.90 12.00%
(ii) 2020 6 28 20
100%
(2)
2020 12 31 2019 12 31
(i) 450,328
(i) 2020 5 29 15
30% 30%
1,574,275 1,501,094 1,094
2020 12 31
214 重慶農村商業銀行股份有限公司
2020
9
2020 1 1 7,068,071 1,331,436 98,669 805,920 552,578 9,856,674
107,399 211,399 280 197,401 226,805 743,284
214,188 28,942 1,212 50,134 (294,476) –
– – – – (53,153) (53,153)
(116,387) (140,555) (3,402) (41,823) – (302,167)
2020 12 31 7,273,271 1,431,222 96,759 1,011,632 431,754 10,244,638
2020 1 1 (3,189,983) (957,143) (91,225) (644,439) – (4,882,790)
(457,223) (155,579) (2,901) (85,048) – (700,751)
79,423 136,145 3,299 40,354 – 259,221
2020 12 31 (3,567,783) (976,577) (90,827) (689,133) – (5,324,320)
2020 1 1 3,878,088 374,293 7,444 161,481 552,578 4,973,884
2020 12 31 3,705,488 454,645 5,932 322,499 431,754 4,920,318
2020 年年度報告 215
2020
9
2020 1 1 6,923,402 1,318,949 91,909 787,483 501,263 9,623,006
107,336 201,817 – 66,662 222,212 598,027
164,211 28,942 1,188 49,840 (244,181) –
– – – – (53,153) (53,153)
(116,387) (139,946) (3,402) (41,160) – (300,895)
2020 12 31 7,078,562 1,409,762 89,695 862,825 426,141 9,866,985
2020 1 1 (3,140,086) (947,305) (84,919) (628,561) – (4,800,871)
(449,194) (153,961) (2,622) (83,577) – (689,354)
79,423 135,554 3,299 39,713 – 257,989
2020 12 31 (3,509,857) (965,712) (84,242) (672,425) – (5,232,236)
2020 1 1 3,783,316 371,644 6,990 158,922 501,263 4,822,135
2020 12 31 3,568,705 444,050 5,453 190,400 426,141 4,634,749
216 重慶農村商業銀行股份有限公司
2020
9
2019 1 1 6,682,326 1,240,793 108,505 760,262 402,663 9,194,549
89,941 138,361 – 60,492 516,683 805,477
354,368 13 – 6,158 (360,539) –
– – – – (6,229) (6,229)
(58,564) (47,731) (9,836) (20,992) – (137,123)
2019 12 31 7,068,071 1,331,436 98,669 805,920 552,578 9,856,674
2019 1 1 (2,819,096) (856,528) (95,397) (581,935) – (4,352,956)
(425,124) (146,851) (5,256) (82,698) – (659,929)
54,237 46,236 9,428 20,194 – 130,095
2019 12 31 (3,189,983) (957,143) (91,225) (644,439) – (4,882,790)
2019 1 1 3,863,230 384,265 13,108 178,327 402,663 4,841,593
2019 12 31 3,878,088 374,293 7,444 161,481 552,578 4,973,884
2020 年年度報告 217
2020
9
2019 1 1 6,537,952 1,229,873 100,372 742,332 351,291 8,961,820
89,849 136,653 – 59,927 516,522 802,951
354,164 13 – 6,144 (360,321) –
– – – – (6,229) (6,229)
(58,563) (47,590) (8,463) (20,920) – (135,536)
2019 12 31 6,923,402 1,318,949 91,909 787,483 501,263 9,623,006
2019 1 1 (2,777,244) (847,471) (88,457) (567,677) – (4,280,849)
(417,079) (145,937) (4,671) (81,009) – (648,696)
54,237 46,103 8,209 20,125 – 128,674
2019 12 31 (3,140,086) (947,305) (84,919) (628,561) – (4,800,871)
2019 1 1 3,760,708 382,402 11,915 174,655 351,291 4,680,971
2019 12 31 3,783,316 371,644 6,990 158,922 501,263 4,822,135
2020 12 31
218 重慶農村商業銀行股份有限公司
2020
10
2020 1 1 560,158 235,755 795,913
886 64,583 65,469
(6,864) (9,040) (15,904)
2020 12 31 554,180 291,298 845,478
2020 1 1 (157,635) (113,953) (271,588)
(14,776) (28,462) (43,238)
3,096 9,030 12,126
2020 12 31 (169,315) (133,385) (302,700)
2020 1 1 402,523 121,802 524,325
2020 12 31 384,865 157,913 542,778
2020 年年度報告 219
2020
10
2020 1 1 560,158 230,622 790,780
886 64,111 64,997
(6,864) (9,040) (15,904)
2020 12 31 554,180 285,693 839,873
2020 1 1 (157,635) (111,333) (268,968)
(14,776) (27,992) (42,768)
3,096 9,030 12,126
2020 12 31 (169,315) (130,295) (299,610)
2020 1 1 402,523 119,289 521,812
2020 12 31 384,865 155,398 540,263
220 重慶農村商業銀行股份有限公司
2020
10
2019 1 1 564,566 210,109 774,675
252 26,143 26,395
(4,660) (497) (5,157)
2019 12 31 560,158 235,755 795,913
2019 1 1 (143,934) (94,636) (238,570)
(14,952) (19,785) (34,737)
1,251 468 1,719
2019 12 31 (157,635) (113,953) (271,588)
2019 1 1 420,632 115,473 536,105
2019 12 31 402,523 121,802 524,325
2020 年年度報告 221
2020
10
2019 1 1 564,566 206,185 770,751
252 24,927 25,179
(4,660) (490) (5,150)
2019 12 31 560,158 230,622 790,780
2019 1 1 (143,934) (92,395) (236,329)
(14,952) (19,399) (34,351)
1,251 461 1,712
2019 12 31 (157,635) (111,333) (268,968)
2019 1 1 420,632 113,790 534,422
2019 12 31 402,523 119,289 521,812
222 重慶農村商業銀行股份有限公司
2020
11
(1)
2020 12 31
6,728,456 26,913,820
612,908 2,451,633
129,663 518,653
27,508 110,030
19,562 78,247
76,495 305,981
62,897 251,589
38,674 154,698
7,696,163 30,784,651
(43,404) (173,617)
(114,115) (456,460)
(157,519) (630,077)
7,538,644 30,154,574
2020 年年度報告 223
2020
11
(1)
2020 12 31
6,459,608 25,838,429
578,041 2,312,166
129,663 518,653
27,508 110,030
19,562 78,247
76,495 305,981
62,896 251,584
38,674 154,698
7,392,447 29,569,788
(43,404) (173,617)
(114,115) (456,460)
(157,519) (630,077)
7,234,928 28,939,711
224 重慶農村商業銀行股份有限公司
2020
11
(1)
2019 12 31
5,141,016 20,564,067
583,675 2,334,700
161,182 644,728
42,128 168,513
20,211 80,844
100,905 403,619
32,739 130,954
6,081,856 24,327,425
(40,607) (162,428)
(53,176) (212,704)
(73,776) (295,104)
(167,559) (670,236)
5,914,297 23,657,189
2020 年年度報告 225
2020
11
(1)
2019 12 31
4,961,032 19,844,127
544,051 2,176,205
161,182 644,728
42,128 168,513
20,211 80,844
100,905 403,619
32,739 130,954
5,862,248 23,448,990
(40,607) (162,428)
(53,176) (212,704)
(73,776) (295,104)
(167,559) (670,236)
5,694,689 22,778,754
226 重慶農村商業銀行股份有限公司
2020
11
(2)
2020 2019
12 31 12 31
5,914,297 4,512,960
40 1,543,062 1,338,827
42 81,285 60,785
– 1,725
7,538,644 5,914,297
2020 2019
12 31 12 31
5,694,689 4,371,153
40 1,458,954 1,261,026
42 81,285 60,785
– 1,725
7,234,928 5,694,689
2020 年年度報告 227
2020
12
2020 2019
12 31 12 31
(1) 1,066,850 759,301
(2) 79,506 101,023
37,414 20,690
87,798 118,358
1,271,568 999,372
2020 2019
12 31 12 31
(1) 1,031,557 729,169
(2) 76,436 97,953
23,513 18,874
27,420 81,582
1,158,926 927,578
228 重慶農村商業銀行股份有限公司
2020
12
(1)
2020 12 31
(%)
1 979,261 91.67 (26) 979,235
1 2 25,139 2.35 (60) 25,079
2 3 10,573 0.99 (428) 10,145
3 53,273 4.99 (882) 52,391
1,068,246 100.00 (1,396) 1,066,850
2020 12 31
(%)
1 952,282 92.32 – 952,282
1 2 22,205 2.15 – 22,205
2 3 8,813 0.85 – 8,813
3 48,257 4.68 – 48,257
1,031,557 100.00 – 1,031,557
2020 年年度報告 229
2020
12
(1)
2019 12 31
(%)
1 677,754 89.15 (24) 677,730
1 2 16,399 2.15 (508) 15,891
2 3 15,169 2.00 (230) 14,939
3 50,932 6.70 (191) 50,741
760,254 100.00 (953) 759,301
2019 12 31
(%)
1 656,559 90.04 – 656,559
1 2 13,677 1.88 – 13,677
2 3 13,365 1.83 – 13,365
3 45,568 6.25 – 45,568
729,169 100.00 – 729,169
230 重慶農村商業銀行股份有限公司
2020
12
(2)
2020 2019
12 31 12 31
93,098 113,528
(13,592) (12,505)
79,506 101,023
2020 2019
12 31 12 31
90,028 110,458
(13,592) (12,505)
76,436 97,953
2020 年年度報告 231
2020
13
2020 12 31
5,056 – 82,858 87,914
6,754 – 154,762 161,516
(3,112) – – (3,112)
10,433 – 1,081 11,514
19,131 – 238,701 257,832
2020 12 31
5,080 – 82,858 87,938
6,203 – 154,762 160,965
(3,328) – – (3,328)
10,577 – 1,081 11,658
18,532 – 238,701 257,233
232 重慶農村商業銀行股份有限公司
2020
13
2020 12 31
73,418 – 373,164 446,582
48,624 – – 48,624
(73,010) – – (73,010)
(49) – (66,342) (66,391)
48,983 – 306,822 355,805
2020 12 31
74,448 – 373,164 447,612
49,464 – – 49,464
(74,038) – – (74,038)
(49) – (66,342) (66,391)
49,825 – 306,822 356,647
2020 12 31
– – – –
12,307 – – 12,307
(11,128) – – (11,128)
1,179 – – 1,179
2020 年年度報告 233
2020
13
2020 12 31
4,804,086 4,817,852 6,062,858 15,684,796
(846,576) 846,576 – –
(571,092) – 571,092 –
1,176,797 (1,176,797) – –
– (2,242,189) 2,242,189 –
– 232,087 (232,087) –
(975,043) 1,692,842 1,921,643 2,639,442
3,837,973 – – 3,837,973
(1,973,650) (536,556) (285,818) (2,796,024)
246,606 33,942 4,112,075 4,392,623
– – (9,315,863) (9,315,863)
– – – –
5,699,101 3,667,757 5,076,089 14,442,947
234 重慶農村商業銀行股份有限公司
2020
13
2020 12 31
3,740,890 387,869 930,552 5,059,311
(251,816) 251,816 – –
(196,142) – 196,142 –
50,122 (50,122) – –
– (121,071) 121,071 –
50,792 – (50,792) –
– 13,524 (13,524) –
(97,213) 256,860 456,539 616,186
3,595,160 – – 3,595,160
(1,931,232) (167,324) (173,149) (2,271,705)
(110,590) 7,295 319,605 216,310
– – (735,742) (735,742)
4,849,971 578,847 1,050,702 6,479,520
2020 年年度報告 235
2020
13
2020 12 31
3,913,776 4,637,353 5,510,478 14,061,607
(833,444) 833,444 – –
(567,983) – 567,983 –
1,176,036 (1,176,036) – –
– (2,241,516) 2,241,516 –
– 232,087 (232,087) –
(974,306) 1,663,443 1,832,329 2,521,466
3,233,109 – – 3,233,109
(1,645,215) (519,127) (282,177) (2,446,519)
26,210 19,781 4,091,507 4,137,498
– – (9,287,901) (9,287,901)
4,328,183 3,449,429 4,441,648 12,219,260
2020 12 31
3,685,500 362,846 908,552 4,956,898
(242,470) 242,470 – –
(195,343) – 195,343 –
48,281 (48,281) – –
– (114,438) 114,438 –
50,792 – (50,792) –
– 13,404 (13,404) –
(95,493) 248,051 450,239 602,797
3,541,148 – – 3,541,148
(1,899,355) (155,902) (168,994) (2,224,251)
(109,701) 6,366 301,196 197,861
– – (711,586) (711,586)
4,783,359 554,516 1,024,992 6,362,867
236 重慶農村商業銀行股份有限公司
2020
13
2020 12 31
1,101,930 2,294,726 – 3,396,656
5,606 (5,606) – –
– (1,905,711) 1,905,711 –
(4,855) – 779,549 774,694
436,907 – 40,629 477,536
(418,346) (154) – (418,500)
(59,053) 54,319 – (4,734)
1,062,189 437,574 2,725,889 4,225,652
2020 12 31
1,101,955 2,294,726 – 3,396,681
5,606 (5,606) – –
– (1,905,711) 1,905,711 –
(4,855) – 779,549 774,694
436,907 – 40,629 477,536
(418,346) (154) – (418,500)
(59,051) 54,319 – (4,732)
1,062,216 437,574 2,725,889 4,225,679
2020 12 31
778 – – 778
80 – – 80
(778) – – (778)
80 – – 80
2020 年年度報告 237
2020
13
2019 12 31
13,161 – – 13,161
(598) – 598 –
– – 82,260 82,260
3,037 – – 3,037
(9,977) – – (9,977)
(567) – – (567)
5,056 – 82,858 87,914
2019 12 31
13,030 – – 13,030
(598) – 598 –
– – 82,260 82,260
3,139 – – 3,139
(9,909) – – (9,909)
(582) – – (582)
5,080 – 82,858 87,938
238 重慶農村商業銀行股份有限公司
2020
13
2019 12 31
131,381 – – 131,381
(2,431) – 2,431 –
– – 370,733 370,733
74,522 – – 74,522
(129,107) – – (129,107)
(947) – – (947)
73,418 – 373,164 446,582
2019 12 31
135,484 – – 135,484
(2,431) – 2,431 –
– – 370,733 370,733
75,553 – – 75,553
(133,211) – – (133,211)
(947) – – (947)
74,448 – 373,164 447,612
2020 年年度報告 239
2020
13
2019 12 31
5,121 – – 5,121
– – – –
(5,121) – – (5,121)
– – – –
2019 12 31
3,552,897 4,784,458 4,739,149 13,076,504
(1,136,299) 1,136,299 – –
(440,394) – 440,394 –
2,397,252 (2,397,252) – –
– (252,565) 252,565 –
(2,144,890) 2,003,626 1,331,448 1,190,184
4,138,636 – – 4,138,636
(1,317,689) (669,470) (305,046) (2,292,205)
(245,427) 212,756 733,600 700,929
– – (1,129,252) (1,129,252)
4,804,086 4,817,852 6,062,858 15,684,796
240 重慶農村商業銀行股份有限公司
2020
13
2019 12 31
2,672,570 329,308 1,031,123 4,033,001
(177,803) 177,803 – –
(157,235) – 157,235 –
65,007 (65,007) – –
– (74,681) 74,681 –
40,087 – (40,087) –
– 12,437 (12,437) –
(100,223) 142,154 635,425 677,356
2,562,008 – – 2,562,008
(1,162,498) (140,793) (184,916) (1,488,207)
(1,023) 6,648 83,713 89,338
– – (814,185) (814,185)
3,740,890 387,869 930,552 5,059,311
2020 年年度報告 241
2020
13
2019 12 31
2,815,174 4,664,066 4,501,705 11,980,945
(1,110,864) 1,110,864 – –
(433,003) – 433,003 –
2,352,629 (2,352,629) – –
– (251,421) 251,421 –
(2,101,985) 1,935,337 1,133,933 967,285
3,738,664 – – 3,738,664
(1,289,984) (665,850) (298,540) (2,254,374)
(56,855) 196,986 618,208 758,339
– – (1,129,252) (1,129,252)
3,913,776 4,637,353 5,510,478 14,061,607
2019 12 31
2,636,878 309,819 1,010,847 3,957,544
(169,783) 169,783 – –
(153,865) – 153,865 –
64,198 (64,198) – –
– (73,892) 73,892 –
39,905 – (39,905) –
– 11,756 (11,756) –
(99,327) 138,771 628,999 668,443
2,514,416 – – 2,514,416
(1,145,685) (133,759) (182,442) (1,461,886)
(1,237) 4,566 82,793 86,122
– – (807,741) (807,741)
3,685,500 362,846 908,552 4,956,898
242 重慶農村商業銀行股份有限公司
2020
13
2019 12 31
1,694,617 487,007 – 2,181,624
(557,148) 557,148 – –
9,489 (9,489) – –
(7,412) 1,354,168 – 1,346,756
1,047,606 – – 1,047,606
(844,361) (33,382) – (877,743)
(240,861) (60,726) – (301,587)
1,101,930 2,294,726 – 3,396,656
2019 12 31
1,694,617 487,007 – 2,181,624
(557,148) 557,148 – –
9,489 (9,489) – –
(7,412) 1,354,168 – 1,346,756
1,047,631 – – 1,047,631
(844,361) (33,382) – (877,743)
(240,861) (60,726) – (301,587)
1,101,955 2,294,726 – 3,396,681
2019 12 31
51,596 557 – 52,153
(50,405) (557) – (50,962)
(413) – – (413)
778 – – 778
2020 年年度報告 243
2020
14
2020 12 31 423 2019 12 31
275
15
2020 2019
12 31 12 31
32,979,174 8,100,393
2,460,127 1,392,670
35,439,301 9,493,063
2020 2019
12 31 12 31
33,904,497 8,685,515
2,460,027 1,391,970
36,364,524 10,077,485
244 重慶農村商業銀行股份有限公司
2020
16
2020 2019
12 31 12 31
26,029,948 25,144,137
670,051 931,492
26,699,999 26,075,629
2020 2019
12 31 12 31
1,848,500 4,259,289
670,051 931,492
2,518,551 5,190,781
17
2020 2019
12 31 12 31
499,707 11,511,147
5,873,493 3,574,981
6,373,200 15,086,128
2020 年年度報告 245
2020
18
2020 2019
12 31 12 31
122,309,124 125,140,043
128,951,929 116,031,181
34,061,088 30,890,737
432,665,168 395,540,467
(1) 7,002,513 5,783,150
9,992 16,241
724,999,814 673,401,819
2020 2019
12 31 12 31
121,986,437 124,722,556
128,626,622 115,659,197
33,841,065 30,620,552
431,818,718 394,951,094
(1) 6,963,807 5,718,464
9,406 15,656
723,246,055 671,687,519
246 重慶農村商業銀行股份有限公司
2020
18
(1)
2020 2019
12 31 12 31
3,401,115 2,947,242
1,366,301 1,165,063
399,083 561,251
114,645 73,055
1,721,369 1,036,539
7,002,513 5,783,150
2020 2019
12 31 12 31
3,401,115 2,947,242
1,334,022 1,108,998
399,083 561,251
114,645 73,055
1,714,942 1,027,918
6,963,807 5,718,464
2020 年年度報告 247
2020
19
2020
2,147,580 3,532,118 (3,448,172) 2,231,526
– 198,973 (198,973) –
– 255,051 (255,051) –
– 15,756 (15,756) –
– 1,777 (1,777) –
– 298 (298) –
– 374,301 (374,301) –
216,018 122,277 (80,084) 258,211
(1)
60 251,095 (151,095) 100,060
1,907,119 4,031 (92,520) 1,818,630
(2) 196,636 (4,060) (42,989) 149,587
4,467,413 4,751,617 (4,661,016) 4,558,014
2020
1,991,786 3,459,260 (3,358,988) 2,092,058
– 193,958 (193,958) –
– 250,638 (250,638) –
– 15,693 (15,693) –
– 1,760 (1,760) –
– 221 (221) –
– 367,035 (367,035) –
211,437 119,601 (77,971) 253,067
(1)
60 248,254 (148,254) 100,060
1,907,119 3,031 (92,520) 1,817,630
(2) 196,636 (4,060) (42,989) 149,587
4,307,038 4,655,391 (4,550,027) 4,412,402
248 重慶農村商業銀行股份有限公司
2020
19
2019
2,590,007 3,219,354 (3,661,781) 2,147,580
– 233,663 (233,663) –
– 258,355 (258,355) –
– 16,147 (16,147) –
– 7,881 (7,881) –
– 391 (391) –
– 340,577 (340,577) –
197,572 111,082 (92,636) 216,018
(1)
– 1,366,285 (1,366,225) 60
2,624,659 (621,420) (96,120) 1,907,119
(2) 213,076 40,270 (56,710) 196,636
5,625,314 4,972,585 (6,130,486) 4,467,413
2019
2,430,956 3,130,893 (3,570,063) 1,991,786
– 229,233 (229,233) –
– 254,291 (254,291) –
– 16,072 (16,072) –
– 7,768 (7,768) –
– 229 (229) –
– 334,758 (334,758) –
193,850 107,964 (90,377) 211,437
(1)
– 1,356,368 (1,356,308) 60
2,624,659 (621,420) (96,120) 1,907,119
(2) 213,076 40,270 (56,710) 196,636
5,462,541 4,856,426 (6,011,929) 4,307,038
2020 年年度報告 249
2020
19
(1)
2020
– 31,035 (31,035) –
60 220,060 (120,060) 100,060
60 251,095 (151,095) 100,060
2020
– 30,150 (30,150) –
60 218,104 (118,104) 100,060
60 248,254 (148,254) 100,060
2019
– 440,014 (440,014) –
– 926,271 (926,211) 60
– 1,366,285 (1,366,225) 60
2019
– 432,137 (432,137) –
– 924,231 (924,171) 60
– 1,356,368 (1,356,308) 60
250 重慶農村商業銀行股份有限公司
2020
19
(1)
2020 2019
12 31 12 31
3.75% 3.50%
3.00% 3.00%
6.00% 6.00%
7.00% 7.00%
4.50% 4.50%
2010-2013
2020 年年度報告 251
2020
19
(1)
2020 2019
12 31 12 31
28,510 2,190
2,900 (716,420)
2,900 3,810
(i) – (720,230)
62,680 52,990
94,090 (661,240)
(90,059) 39,820
(90,059) 39,820
4,031 (621,420)
252 重慶農村商業銀行股份有限公司
2020
19
(1)
2020 2019
12 31 12 31
27,510 2,190
2,900 (716,420)
2,900 3,810
(i) – (720,230)
62,680 52,990
93,090 (661,240)
(90,059) 39,820
(90,059) 39,820
3,031 (621,420)
2020 年年度報告 253
2020
19
(1)
2020 2019
12 31 12 31
1,818,630 1,907,119
2020 2019
12 31 12 31
1,817,630 1,907,119
2020 2019
12 31 12 31
1,907,119 2,624,659
62,680 52,990
(90,059) 39,820
28,510 2,190
2,900 (716,420)
2,900 3,810
(i) – (720,230)
(92,520) (96,120)
1,818,630 1,907,119
254 重慶農村商業銀行股份有限公司
2020
19
(1)
2020 2019
12 31 12 31
1,907,119 2,624,659
62,680 52,990
(90,059) 39,820
27,510 2,190
2,900 (716,420)
2,900 3,810
(i) – (720,230)
(92,520) (96,120)
1,817,630 1,907,119
(i)
[2018]59
[2018]27 2019 1 1
2019
7.81
[2017]236 2019
2019
0.61
2020 年年度報告 255
2020
19
(2)
2020 0.04 2019 0.40
0.43 2019 0.57
20
2020 2019
12 31 12 31
1,018,622 1,032,318
367,584 288,721
24,758 20,333
6,038 6,227
22,714 52,098
1,439,716 1,399,697
2020 2019
12 31 12 31
889,066 925,917
365,653 287,863
24,611 19,690
5,573 5,440
22,590 51,533
1,307,493 1,290,443
256 重慶農村商業銀行股份有限公司
2020
21
2020 2019
12 31 12 31
(1) 159,919 325,056
91,670 78,563
251,589 403,619
2020 2019
12 31 12 31
(1) 159,914 325,056
91,670 78,563
251,584 403,619
(1) 2020 12 31 2019 12 31
2020 年年度報告 257
2020
22
2020 2019
12 31 12 31
(1) 143,748,381 154,156,979
(2) 29,429,828 17,173,088
173,178,209 171,330,067
2020 2019
12 31 12 31
(1) 143,748,381 154,156,979
(2) 27,477,807 15,222,544
171,226,188 169,379,523
(1) 2020 12 31 2019 12 31
1 12
(2) 2020 11 5
20.00
2020
05/11/2020 100 3.60% 09/11/2020 09/11/2023 11/11/2020 20
2020 11 3 3.6%
258 重慶農村商業銀行股份有限公司
2020
22
2020 3 12
80.00
2020
12/03/2020 100 2.89% 16/03/2020 16/03/2023 17/03/2020 80
2020 3 3 2.89%
2020 1 9 “ ”
20.00
2020
“
”
09/01/2020 100 3.20% 13/01/2020 13/01/2023 14/01/2020 20
2020 1 3 “ ” 3.2%
2019 6 13
50.00
2019
13/06/2019 100 4.60% 14/06/2019 14/06/2029 17/06/2019 50
2020 年年度報告 259
2020
22
2019 6 10 4.60%
2024 6 14
2024 6 14
2019 4 1 20.00
2019
01/04/2019 100 3.80% 03/04/2019 03/04/2022 04/04/2019 20
2019 4 3 3.80%
2018 12 14
30.00
2018
14/12/2018 100 3.80% 18/12/2018 18/12/2021 20/12/2018 30
2018 12 3 3.80%
260 重慶農村商業銀行股份有限公司
2020
22
2018 5 8
30.00
2018
08/05/2018 100 4.50% 10/05/2018 10/05/2021 11/05/2018 30
2018 5 3 4.50%
2016 12 7
40.00
2016
07/12/2016 100 3.80% 09/12/2016 09/12/2026 13/12/2016 40
2016 12 10 3.80%
2021 12 9 2021 12
9
(3) 2020 2019
2020 年年度報告 261
2020
23
2020 2019
12 31 12 31
(1) 5,070,326 6,547,312
(2) 658,981 695,708
(3) 35,904 37,480
44,801 48,405
5,810,012 7,328,905
2020 2019
12 31 12 31
(1) 2,336,463 3,918,014
(2) 123,434 147,132
(3) 35,904 37,480
44,752 48,405
2,540,553 4,151,031
262 重慶農村商業銀行股份有限公司
2020
23
(1)
2020 2019
12 31 12 31
2,713,167 2,531,433
1,358,035 2,308,306
288,028 306,960
711,096 1,400,613
5,070,326 6,547,312
2020 2019
12 31 12 31
1,357,900 2,308,171
283,623 306,957
694,940 1,302,886
2,336,463 3,918,014
2020 年年度報告 263
2020
23
(2)
2020 2019
12 31 12 31
532,810 548,502
(i) 76,881 78,955
44,109 41,725
5,066 1,505
115 25,021
658,981 695,708
2020 2019
12 31 12 31
(i) 76,881 78,955
44,075 41,666
2,363 1,490
115 25,021
123,434 147,132
(i) 2010 40
(3)
2020 12 31 2019 12 31 0.75% 2020
12 31 24
264 重慶農村商業銀行股份有限公司
2020
24
2020 2019
12 31 12 31
11,357,000 11,357,000
25
2020 2019
12 31 12 31
20,338,389 20,428,389
2020 2019
12 31 12 31
20,437,768 20,437,768
2010 9.10 2010
H 77.06 2017
32.91 2019 A 85.31
2020 年年度報告 265
2020
26
2020
7,022,794 786,254 – 7,809,048
4,260,794 – – 4,260,794
11,283,588 786,254 – 12,069,842
2019
6,086,151 936,643 – 7,022,794
4,260,794 – – 4,260,794
10,346,945 936,643 – 11,283,588
10%
50%
2020 2019 7.86 9.37
266 重慶農村商業銀行股份有限公司
2020
27
2020 2019
12 31 12 31
12,635,296 12,225,243
1,420,762 410,053
14,056,058 12,635,296
2020 2019
12 31 12 31
12,231,636 11,855,025
1,293,270 376,611
13,524,906 12,231,636
2012 3 30
2012[20] 1.5%
2020 年年度報告 267
2020
28
2020 2019
12 31 12 31
32,511,728 26,093,355
8,401,197 9,759,893
(786,254) (936,643)
(1,420,762) (410,053)
38,705,909 34,506,552
(2,612,110) (2,000,000)
– 5,176
36,093,799 32,511,728
2020 2019
12 31 12 31
32,037,353 25,979,004
7,862,538 9,366,427
(786,254) (936,643)
(1,293,270) (376,611)
37,820,367 34,032,177
(2,612,110) (2,000,000)
– 5,176
35,208,257 32,037,353
(1) 2021 3 30 2020 10%
7.86 17.02
113.57 0.222
25.21
(2) 2020 3 26 2019 10%
9.37 12.93
113.57 0.23
26.12 2020 5 20 2019
268 重慶農村商業銀行股份有限公司
2020
29
2020 2019
24,605,938 22,402,816
13,186,742 12,438,030
10,863,725 9,316,217
555,471 648,569
15,054,438 14,214,440
14,648,256 14,121,542
406,182 92,898
4,186,420 5,859,993
932,038 1,113,344
558,266 876,167
521,881 670,826
45,858,981 45,137,586
(13,982,411) (12,785,088)
(4,390,412) (5,620,213)
(1,197,007) (869,351)
(894,619) (1,133,149)
(692,450) (703,416)
(446,806) (646,209)
(6,406) (6,525)
(21,610,111) (21,763,951)
24,248,870 23,373,635
2020 年年度報告 269
2020
29
2020 2019
21,879,287 19,880,551
10,640,507 10,063,856
10,683,309 9,168,126
555,471 648,569
15,056,652 14,217,275
14,650,470 14,124,377
406,182 92,898
4,333,336 6,018,140
930,208 1,110,812
519,776 864,919
521,881 670,826
43,241,140 42,762,523
(13,949,460) (12,758,737)
(4,316,735) (5,565,214)
(1,194,158) (866,091)
(692,450) (703,416)
(441,248) (659,074)
(123,533) (263,660)
(4,834) (5,772)
(20,722,418) (20,821,964)
22,518,722 21,940,559
270 重慶農村商業銀行股份有限公司
2020
30
2020 2019
1,937,020 1,314,082
370,198 402,653
164,985 180,137
134,290 134,504
404,130 328,141
3,010,623 2,359,517
(35,545) (50,981)
(36,828) (38,402)
(35,386) (31,108)
(107,759) (120,491)
2,902,864 2,239,026
2020 年年度報告 271
2020
30
2020 2019
1,930,141 1,314,082
368,324 400,723
164,851 179,962
134,216 134,285
403,910 328,138
3,001,442 2,357,190
(35,426) (50,763)
(36,676) (38,150)
(34,987) (29,305)
(107,089) (118,218)
2,894,353 2,238,972
2020
272 重慶農村商業銀行股份有限公司
2020
31
2020 2019
886,955 567,365
36,555 –
1,002 86,701
4,261 6,946
328 –
929,101 661,012
2020 2019
886,955 567,365
36,555 –
1,002 86,701
112,410 91,946
328 –
1,037,250 746,012
32
2020 2019
(101,381) 198,134
(18,118) (5,741)
(119,499) 192,393
2020 2019
(100,614) 198,134
(18,118) (5,741)
(118,732) 192,393
2020 年年度報告 273
2020
33
2020 2019
94,497 45,742
1,839 187
96,336 45,929
2020 2019
94,536 45,533
1,839 187
96,375 45,720
34
2020 2019
142,592 32,401
10,235 10,354
10,668 10,934
163,495 53,689
2020 2019
122,920 23,754
7,773 8,477
10,660 9,508
141,353 41,739
2020 1.21
2019 0.13
274 重慶農村商業銀行股份有限公司
2020
35
2020 2019
103,842 86,218
76,392 63,593
65,048 62,972
16,064 12,832
8,164 6,951
3,850 3,382
283 299
273,643 236,247
2020 2019
98,666 81,831
72,682 60,442
64,001 61,846
14,392 11,726
8,156 6,948
3,841 3,372
263 278
262,001 226,443
2020 年年度報告 275
2020
36
2020 2019
4,841,676 4,932,765
1,760,227 1,646,853
(1) 788,660 726,214
43,238 34,737
39,162 26,099
17,805 21,010
(2) 11,514 49,297
133,508 162,693
7,635,790 7,599,668
2020 2019
4,745,450 4,816,606
1,713,753 1,610,164
(1) 762,009 707,615
42,768 34,351
36,805 25,728
16,188 18,961
(2) 10,414 39,204
133,277 162,249
7,460,664 7,414,878
(1)
(2) 2020 2019
276 重慶農村商業銀行股份有限公司
2020
37
2020 2019
9,459,237 4,935,060
828,996 1,215,032
(698) (51,374)
(90,777) 315,200
(165,137) 83,639
169,918 74,753
1,179 (5,121)
5,875 5,454
10,208,593 6,572,643
2020 2019
8,824,532 4,495,431
828,998 1,215,057
(698) (51,374)
(90,965) 312,128
(165,142) 83,691
169,295 74,909
1,179 (5,121)
5,432 5,249
9,572,631 6,129,970
2020 年年度報告 277
2020
38
2020 2019
26,304 8,857
8,598 9,021
1,585 1,814
8,494 5,712
44,981 25,404
2020 2019
9,166 7,324
8,180 8,737
1,583 1,812
8,181 5,223
27,110 23,096
2020 2019
39
2020 2019
25,900 4,000
2,067 650
21,284 8,229
49,251 12,879
2020 2019
25,900 3,800
1,800 200
20,689 7,538
48,389 11,538
2020 2019
278 重慶農村商業銀行股份有限公司
2020
40
2020 2019
3,041,082 3,583,645
11 (1,543,062) (1,338,827)
1,498,020 2,244,818
2020 2019
2,813,084 3,403,538
11 (1,458,954) (1,261,026)
1,354,130 2,142,512
2020 年年度報告 279
2020
40
2020 2019
10,062,793 12,232,928
25% 2,515,698 3,058,232
15%
(89,337) (67,817)
(1) 57,781 260,607
(2) (988,884) (788,063)
– (195,265)
2,762 (22,876)
1,498,020 2,244,818
2020 2019
9,216,668 11,508,939
25% 2,304,167 2,877,235
(1) 57,450 260,607
(2) (1,007,487) (800,065)
– (195,265)
1,354,130 2,142,512
(1)
(2)
280 重慶農村商業銀行股份有限公司
2020
41
2020 2019
8,401,197 9,759,893
11,357,000 10,278,836
0.74 0.95
0.74 0.95
2020
42
2020
2019 2020
12 31 12 31
(336,069) 67,544 (268,525) 90,059 (22,515) 67,544
(46,684) (80,902) (127,586) (107,869) 26,967 (80,902)
(382,753) (13,358) (396,111) (17,810) 4,452 (13,358)
(59,874) (230,498) (290,372) (307,331) 76,833 (230,498)
(442,627) (243,856) (686,483) (325,141) 81,285 (243,856)
2020 年年度報告 281
2020
42
2019
2018 2019
12 31 12 31
(306,203) (29,866) (336,069) (39,820) 9,954 (29,866)
(26,113) (20,571) (46,684) (20,528) 5,133 (15,395)
(332,316) (50,437) (382,753) (60,348) 15,087 (45,261)
77,221 (137,095) (59,874) (182,793) 45,698 (137,095)
(255,095) (187,532) (442,627) (243,141) 60,785 (182,356)
43
(1)
2020 2019
12 31 12 31
3,144,929 3,185,322
5,702,967 9,751,213
8,856,396 5,446,695
260,000 2,150,000
1,303,846 –
19,268,138 20,533,230
282 重慶農村商業銀行股份有限公司
2020
43
(1)
2020 2019
12 31 12 31
3,128,686 3,170,112
5,641,803 9,713,626
7,876,237 5,054,519
260,000 2,150,000
1,303,846 –
18,210,572 20,088,257
(2)
2020 2019
8,564,773 9,988,110
10,208,593 6,572,643
1,087 847
788,660 726,214
43,238 34,737
17,805 21,010
(96,336) (45,742)
(15,054,438) (14,214,440)
(929,400) (648,912)
4,390,412 5,620,213
119,499 (192,393)
34,991 (64,124)
(1,543,062) (1,338,827)
(63,628,080) (32,734,991)
99,452,538 50,126,914
42,370,280 23,851,259
2020 年年度報告 283
2020
43
(2)
2020 2019
7,862,538 9,366,427
9,572,631 6,129,970
1,087 847
762,009 707,615
42,768 34,351
16,188 18,961
(96,375) (45,533)
(15,056,652) (14,217,275)
(1,037,549) (733,912)
4,316,735 5,565,214
118,732 (192,393)
34,991 (64,124)
(1,458,954) (1,261,026)
(57,766,265) (28,299,747)
96,225,988 48,569,619
43,537,872 25,578,994
284 重慶農村商業銀行股份有限公司
2020
43
(3)
2020 2019
12 31 12 31
19,268,138 20,533,230
(20,533,230) (34,637,437)
(1,265,092) (14,104,207)
2020 2019
12 31 12 31
18,210,572 20,088,257
(20,088,257) (34,322,039)
(1,877,685) (14,233,782)
2020 年年度報告 285
2020
286 重慶農村商業銀行股份有限公司
2020
2020
9,321,925 10,954,070 7,885,258 24,923 28,186,176
8,570,151 9,449,590 6,229,129 – 24,248,870
13,952,186 11,585,790 20,321,005 – 45,858,981
(1,909,615) (12,077,844) (7,622,652) – (21,610,111)
(3,472,420) 9,941,644 (6,469,224) – –
678,513 1,444,117 780,234 – 2,902,864
715,313 1,488,564 806,746 – 3,010,623
(36,800) (44,447) (26,512) – (107,759)
– – 924,512 4,589 929,101
– – (119,499) – (119,499)
– – (34,991) – (34,991)
29,309 24,339 42,688 – 96,336
43,952 36,024 63,185 20,334 163,495
(10,281,643) (4,951,644) (2,885,826) – (18,119,113)
(83,254) (69,133) (121,256) – (273,643)
(2,595,137) (3,184,701) (1,855,952) – (7,635,790)
(7,602,165) (1,697,810) (908,618) – (10,208,593)
(1,087) – – – (1,087)
(959,718) 6,002,426 4,999,432 24,923 10,067,063
13,685 11,364 19,932 – 44,981
(14,984) (12,443) (21,824) – (49,251)
(961,017) 6,001,347 4,997,540 24,923 10,062,793
(1,498,020) (1,498,020)
(961,017) 6,001,347 4,997,540 (1,473,097) 8,564,773
2020 12 31
272,591,604 210,513,240 639,730,733 13,090,866 1,135,926,443
169,739,455 563,635,428 305,680,556 2,238,923 1,041,294,362
15,430,825 21,959,923 – – 37,390,748
287,736 349,557 212,410 – 849,703
267,563 325,048 197,517 – 790,128
2020 年年度報告 287
2020
2019
8,579,401 9,925,951 8,096,221 28,235 26,629,808
8,032,379 8,945,352 6,395,904 – 23,373,635
13,354,118 10,162,043 21,621,425 – 45,137,586
(2,167,769) (10,623,844) (8,972,338) – (21,763,951)
(3,153,970) 9,407,153 (6,253,183) – –
523,806 963,076 752,144 – 2,239,026
553,388 1,020,634 785,495 – 2,359,517
(29,582) (57,558) (33,351) – (120,491)
– – 654,066 6,946 661,012
– – 192,393 – 192,393
– – 64,124 – 64,124
13,613 10,275 22,041 – 45,929
9,603 7,248 15,549 21,289 53,689
(6,204,834) (4,630,048) (3,574,523) – (14,409,405)
(70,023) (52,851) (113,373) – (236,247)
(2,531,832) (3,155,176) (1,912,660) – (7,599,668)
(3,602,132) (1,422,021) (1,548,490) – (6,572,643)
(847) – – – (847)
2,374,567 5,295,903 4,521,698 28,235 12,220,403
7,530 5,683 12,191 – 25,404
(3,817) (2,881) (6,181) – (12,879)
2,378,280 5,298,705 4,527,708 28,235 12,232,928
– – – (2,244,818) (2,244,818)
2,378,280 5,298,705 4,527,708 (2,216,583) 9,988,110
2019 12 31
252,054,152 157,547,794 609,112,801 11,075,359 1,029,790,106
168,999,556 514,091,069 255,087,645 2,249,638 940,427,908
18,284,599 17,169,136 – – 35,453,735
259,644 320,135 202,182 – 781,961
278,093 342,883 216,548 – 837,524
288 重慶農村商業銀行股份有限公司
2020
1
2020 12 31 2019 12 31
159 174
2
2020 12 31 2019 12 31
2020 2019
12 31 12 31
501,665 385,708
2020 2019
12 31 12 31
493,380 384,896
2020 年年度報告 289
2020
3
2020 2019
12 31 12 31
9,236,861 8,289,363
21,959,923 17,169,136
3,799,237 7,168,662
2,394,727 2,826,574
37,390,748 35,453,735
2020 2019
12 31 12 31
9,236,481 8,289,363
21,959,923 17,169,136
3,799,237 7,168,662
2,394,727 2,826,574
37,390,368 35,453,735
290 重慶農村商業銀行股份有限公司
2020
4
2020 12 31 2019 12 31
5
(1)
12
2020 12 31
79,241,623 70,778,591
5,869,707 5,873,493
85,111,330 76,652,084
2019 12 31
59,438,377 42,729,136
3,536,920 3,574,981
62,975,297 46,304,117
(2)
2020 12 31 2019 12 31
2020 年年度報告 291
2020
2020 2019
12 31 12 31
3,365,972 3,535,129
137,255,360 132,152,315
2020 2019
12 31 12 31
3,236,175 3,427,332
124,124,452 132,152,315
1
292 重慶農村商業銀行股份有限公司
2020
2
(1)
5% 5% 5%
2020 12 31
(%)
“ ” (i) 988,000 8.70
“ ” (ii) 797,087 7.02
“ ” 589,084 5.19
“ ” 570,000 5.02
“ ” 443,100 3.90
“ ” 200,000 1.76
“ ” 186,449 1.64
“ ” 150,549 1.33
“ ” 150,000 1.32
4,074,269 35.88
(i) 2020 7 13
(ii) 2020 4 30
2020 年年度報告 293
2020
2
(1)
5% 5% 5%
2019 12 31
(%)
988,000 8.70
797,087 7.02
589,084 5.19
570,000 5.02
443,100 3.90
300,000 2.64
200,000 1.76
150,000 1.32
4,037,271 35.55
(2)
(a)
(i)
(ii)
(iii)
“ ”
(iv)
(v)
“ ”
(vi) 12 12
294 重慶農村商業銀行股份有限公司
2020
2
(2)
(b) 2020 2019
(i)
(ii)
2020 年年度報告 295
2020
3
2019 2020
12 31 12 31
10,000,000 10,000,000
1,000,000 1,000,000
100,000 100,000
3,000 3,000
200,000 200,000
403,000 403,000
1,000,000 1,000,000
1,556,000 1,556,000
296 重慶農村商業銀行股份有限公司
2020
3
2019 2020
12 31 12 31
30,000 30,000
300,000 300,000
196,540 196,540
5,908 5,908
2020 年年度報告 297
2020
3
2019 2020
12 31 12 31
1,000,000 1,000,000
20,000 20,000
1,491,794 1,491,794
523,940 523,940
120,000 120,000
131,800 1,031,800
298 重慶農村商業銀行股份有限公司
2020
3
2019 2020
12 31 12 31
500,000 500,000
50,000 50,000
20,000 20,000
10,000 10,000
13,000 13,000
145,000 145,000
477,470 477,470
1,200,000 1,200,000
119,375 119,375
151,200 151,200
“ ” 300,000 300,000
2020 年年度報告 299
2020
3
2019 2020
12 31 12 31
90,000 90,000
50,000 50,000
10,000 10,000
3,078,600 3,420,667
20,000 20,000
“ ” 250,000 250,000
340,962 340,962
130,000 130,000
300 重慶農村商業銀行股份有限公司
2020
3
2019 2020
12 31 12 31
395,000 395,000
5,000 5,000
11,000 11,000
10,000 16,800,000
20,000,000 20,000,000
2020 12 31
2020 年年度報告 301
2020
4
(1)
2020 2019
139,172 119,194
70,966 258,677
145,547 159,057
69,761 86,672
44,566 49,577
26,345 29,278
26,230 19,867
25,080 35,500
23,798 18,372
20,462 30,483
14,691 25,673
11,591 10,735
9,395 9,528
9,202 9,215
4,138 4,292
104,941 96,667
745,885 962,787
610 826
746,495 963,613
2020 2019
302 重慶農村商業銀行股份有限公司
2020
4
(2)
2020 2019
13,090 10,697
1,929 1,581
1,044 6,693
130 365
18 30
3 30
121,272 107,422
38,077 9,242
12,562 3,692
10,229 15,170
4,621 379
1,930 2,633
1,564 1,397
1,554 1,815
1,527 1,900
1,030 1,165
689 739
483 828
459 377
368 383
231 31
2020 年年度報告 303
2020
4
(2)
2020 2019
127 168
80 7
66 11
66 1,640
42 156
35 15
34 10
23 316
17 12
(a) 12 –
6 10
6 11
(b) – 786
(b) – 15
21,407 13,911
234,731 183,637
114 81
234,845 183,718
(a) 2019
(b) 2020
304 重慶農村商業銀行股份有限公司
2020
4
(3)
2020
(4)
2020 2019
4,303 5,012
2020
2020
2020 年年度報告 305
2020
5
(1)
2020 2019
3,348,159 2,842,454
(a) 1,535,315 5,458,406
4,191,688 3,504,976
1,121,878 1,292,191
606,547 610,191
604,069 703,578
548,820 477,714
523,294 536,157
518,878 500,864
499,929 500,498
226,607 231,839
200,290 197,286
200,279 200,279
190,354 190,354
94,131 94,131
2,177,702 1,959,756
16,587,940 19,300,674
9,367 15,684
16,597,307 19,316,358
(a) 2020 38.06 2020 12 31
15.35 13.01
306 重慶農村商業銀行股份有限公司
2020
5
(2)
2020 2019
901,051 1,996,202
11,518 43,350
7,738 157,148
579 763
393 6,217
12 16
15,324,148 17,265,010
1,748,665 997,113
673,638 836,224
642,977 503,502
463,597 307,714
433,123 68,137
151,881 146,848
147,346 80,036
(a) 100,063 –
59,010 56,493
54,653 38,300
34,182 383,610
23,813 25,247
21,658 64,625
12,962 113,001
12,434 2,112
5,845 65,152
3,870 20,144
3,451 6,034
3,008 12,227
2,762 20,317
1,826 19,603
1,542 2,703
771 101,087
2020 年年度報告 307
2020
5
(2)
2020 2019
249 1,483
18 81
– 7
– 6,430
(b) – 44,017
(b) – 4,853
1,211,235 1,126,111
22,060,018 24,521,917
11,582 12,741
22,071,600 24,534,658
(a) 2019
(b) 2020
308 重慶農村商業銀行股份有限公司
2020
5
(3)
2020 2019
21,171,950 8,774,703
(4)
2020 12 31 14.29
2019 12 31 14.99
2020 12 31 12.65
2019 12 31 35.57
2020 12 31
2019 12 31 3.00
(5)
2020 12 31
22.09 2019 12 31 4.00
(6)
2020 年年度報告 309
2020
6
2020 2019
2020 12 31 2019 12 31 3.81
2.21 9.22 5.83
46.50 42.70
1.00 1.00
10.00 0
2020 2019 1.60 1.58
0.18 0.16
2020 2019
310 重慶農村商業銀行股份有限公司
2020
1
2020 12 31
“ ” 17
2020 12 31
568,758 499,707
5,869,707 5,873,493
6,438,465 6,373,200
2019 12 31
12,002,069 11,511,147
3,536,920 3,574,981
15,538,989 15,086,128
2020 年年度報告 311
2020
2
2020 12 31
53.60 2019 12 31 0.98
3
2020 12 31 2019 12 31
0.84
2019 12 31 0.08
4
2020 6.78 2019
5.74
5
2020 12 31 16.90 2019 12 31
41.90
312 重慶農村商業銀行股份有限公司
2020
1
“ ” “ ”
2020 12 31
1,372.55 2019 12 31 1,321.52
2020 19.12 2019 11.79
2020 2019
2020 7 2021
2020 年年度報告 313
2020
2
2020 12 31 2019 12
31
2020 12 31
2,265,065 2,265,065
21,028,362 21,028,362
6,780,468 6,780,468
49,984,950 49,984,950
23,293,427 56,765,418 80,058,845
2019 12 31
13,209,685 13,209,685
5,508,040 5,508,040
18,383,574 18,383,574
7,873 24,400,204 24,408,077
18,725,598 42,783,778 61,509,376
314 重慶農村商業銀行股份有限公司
2020
3
2020 2019 2020 12 31
10.00
2019 12 31
1
2
2020 年年度報告 315
2020
3
(1)
(i)
2020 100.52 2019
19.43
(ii)
“ ”
(iii)
316 重慶農村商業銀行股份有限公司
2020
3
(1)
(iv)
(v)
(2)
2020
12
2020 年年度報告 317
2020
3
(2)
30 90
318 重慶農村商業銀行股份有限公司
2020
3
(2)
D
90
2020 年年度報告 319
2020
3
(2)
12
(PD) (EAD) (LGD)
12
12
320 重慶農村商業銀行股份有限公司
2020
3
(2)
2020 年年度報告 321
2020
3
(2)
2020 2021 GDP
7.50%-8.50% 2020
2020 12 31
2020 12 31 10% 10%
4.07 10%
10% 5.60
2019 12 31 10% 10%
4.74 10%
10% 6.52
322 重慶農村商業銀行股份有限公司
2020
3
(3)
3
2020 12 31
62,223,994 – – – 62,223,994
27,771,457 – – – 27,771,457
109,615,104 – – – 109,615,104
1,303,008 – – – 1,303,008
– – – 58,492 58,492
473,595,465 11,775,562 1,592,376 – 486,963,403
– – – 30,164,463 30,164,463
380,939,052 627,393 1,598,044 – 383,164,489
16,055,223 – – – 16,055,223
1,093,264 – – – 1,093,264
1,072,596,567 12,402,955 3,190,420 30,222,955 1,118,412,897
36,997,061 233,715 53 – 37,230,829
1,109,593,628 12,636,670 3,190,473 30,222,955 1,155,643,726
2020 年年度報告 323
2020
3
(3)
2019 12 31
74,228,272 – – – 74,228,272
15,625,365 – – – 15,625,365
129,383,634 – 992,126 – 130,375,760
– – – 92,263 92,263
399,463,868 14,529,318 2,347,595 – 416,340,781
– – – 4,952,393 4,952,393
343,206,847 3,211,569 – – 346,418,416
6,679,007 – – – 6,679,007
784,554 – – – 784,554
969,371,547 17,740,887 3,339,721 5,044,656 995,496,811
32,038,635 3,316,082 99,018 – 35,453,735
1,001,410,182 21,056,969 3,438,739 5,044,656 1,030,950,546
324 重慶農村商業銀行股份有限公司
2020
3
(3)
2020 12 31
62,064,958 – – – 62,064,958
25,942,124 – – – 25,942,124
113,700,444 – – – 113,700,444
1,303,008 – – – 1,303,008
– – – 58,492 58,492
434,460,370 10,500,420 1,525,086 – 446,485,876
– – – 31,165,230 31,165,230
380,228,765 627,393 1,598,044 – 382,454,202
16,055,223 – – – 16,055,223
1,057,331 – – – 1,057,331
1,034,812,223 11,127,813 3,123,130 31,223,722 1,080,286,888
36,996,686 233,715 53 – 37,230,454
1,071,808,909 11,361,528 3,123,183 31,223,722 1,117,517,342
2020 年年度報告 325
2020
3
(3)
2019 12 31
74,067,087 – – – 74,067,087
15,336,886 – – – 15,336,886
133,726,957 – 992,126 – 134,719,083
– – – 92,263 92,263
364,219,790 13,323,528 2,295,832 – 379,839,150
– – – 4,952,393 4,952,393
343,309,657 3,211,569 – – 346,521,226
6,679,007 – – – 6,679,007
752,627 – – – 752,627
938,092,011 16,535,097 3,287,958 5,044,656 962,959,722
32,038,635 3,316,082 99,018 – 35,453,735
970,130,646 19,851,179 3,386,976 5,044,656 998,413,457
“
” “ ” “ ” “ ”
“ ”
“ ”
“ ”
“ ”
326 重慶農村商業銀行股份有限公司
2020
3
(3)
2020 12 31
160,733,375 1,718,692 – 162,452,067
92,229,441 11,531,122 – 103,760,563
– 1,028,574 – 1,028,574
– – 6,390,083 6,390,083
252,962,816 14,278,388 6,390,083 273,631,287
(5,699,101) (3,667,757) (5,076,089) (14,442,947)
247,263,715 10,610,631 1,313,994 259,188,340
2020 12 31
213,362,245 – – 213,362,245
109,586 1,584,743 – 1,694,329
– 159,035 – 159,035
– – 1,328,084 1,328,084
213,471,831 1,743,778 1,328,084 216,543,693
(4,849,971) (578,847) (1,050,702) (6,479,520)
208,621,860 1,164,931 277,382 210,064,173
2020 年年度報告 327
2020
3
(3)
2019 12 31
148,745,389 2,288,738 – 151,034,127
79,396,118 14,626,997 – 94,023,115
– 1,527,526 – 1,527,526
– – 8,175,637 8,175,637
228,141,507 18,443,261 8,175,637 254,760,405
(4,804,086) (4,817,852) (6,062,858) (15,684,796)
223,337,421 13,625,409 2,112,779 239,075,609
2019 12 31
159,705,575 – – 159,705,575
88,480 1,163,540 – 1,252,020
– 126,769 – 126,769
– – 1,153,418 1,153,418
159,794,055 1,290,309 1,153,418 162,237,782
(3,740,890) (387,869) (930,552) (5,059,311)
156,053,165 902,440 222,866 157,178,471
2020 12 31
177.11 “ ” 2019 12 31
200.87 “ ”
328 重慶農村商業銀行股份有限公司
2020
3
(4)
2020 12 31 2019 12 31
(%) (%)
63,969,943 21.96 59,543,637 21.66
63,304,280 21.73 62,679,247 22.81
60,894,463 20.90 50,781,853 18.48
26,318,943 9.03 27,906,608 10.15
19,624,184 6.74 16,570,780 6.03
18,352,497 6.30 12,388,535 4.51
7,608,672 2.61 10,337,214 3.76
7,089,808 2.43 7,642,282 2.78
6,288,277 2.16 5,538,146 2.01
5,676,948 1.95 8,032,928 2.92
2,596,509 0.89 2,861,584 1.04
2,396,480 0.82 3,079,306 1.12
7,221,173 2.48 7,484,986 2.73
291,342,177 100.00 274,847,106 100.00
91,337,004 42.18 73,091,378 45.05
66,799,803 30.85 50,515,959 31.14
5,002,879 2.31 4,505,929 2.78
53,404,007 24.66 34,124,516 21.03
216,543,693 100.00 162,237,782 100.00
507,885,870 437,084,888
2020 年年度報告 329
2020
3
(4)
2020 12 31 2019 12 31
(%) (%)
62,530,990 24.85 61,477,285 25.72
56,587,297 22.49 52,704,126 22.05
35,896,348 14.27 29,247,228 12.24
26,268,864 10.44 27,849,371 11.65
16,473,558 6.55 14,132,697 5.91
15,778,472 6.27 9,783,774 4.30
7,608,672 3.02 10,287,494 4.09
6,691,633 2.66 7,316,643 3.28
6,288,277 2.50 5,537,444 3.06
5,597,767 2.22 7,850,482 2.32
2,596,509 1.03 2,861,584 1.20
2,355,970 0.94 1,982,912 0.83
6,911,147 2.76 7,990,069 3.35
251,585,504 100.00 239,021,109 100.00
90,863,519 42.56 72,668,624 45.46
64,724,089 30.32 49,042,808 30.68
5,002,879 2.34 4,505,929 2.82
52,892,012 24.78 33,619,185 21.04
213,482,499 100.00 159,836,546 100.00
465,068,003 398,857,655
330 重慶農村商業銀行股份有限公司
2020
3
(4)
2020 12 31
1 1 5 5
45,364,810 22,980,557 9,318,826 77,664,193
33,542,293 61,235,221 65,560,134 160,337,648
67,782,253 32,896,282 107,901,668 208,580,203
20,994,359 5,530,668 34,778,799 61,303,826
167,683,715 122,642,728 217,559,427 507,885,870
2020 12 31
1 1 5 5
45,181,446 22,738,905 7,692,560 75,612,911
33,427,046 52,079,219 44,106,116 129,612,381
66,529,876 30,491,946 103,699,551 200,721,373
20,945,940 5,007,008 33,168,390 59,121,338
166,084,308 110,317,078 188,666,617 465,068,003
2020 年年度報告 331
2020
3
(4)
2019 12 31
1 1 5 5
29,827,265 16,517,977 6,323,339 52,668,581
34,064,200 49,809,903 53,976,722 137,850,825
68,412,106 23,511,760 89,827,764 181,751,630
19,778,056 10,216,795 34,819,001 64,813,852
152,081,627 100,056,435 184,946,826 437,084,888
2019 12 31
1 1 5 5
29,648,098 16,107,538 4,732,640 50,488,276
33,896,823 38,308,791 39,034,772 111,240,386
67,598,100 20,656,932 86,985,707 175,240,739
19,717,961 9,256,765 32,913,528 61,888,254
150,860,982 84,330,026 163,666,647 398,857,655
332 重慶農村商業銀行股份有限公司
2020
3
(4)
2020 12 31
1 91 361 3
90 360 3
224,109 307,210 19,046 6,433 556,798
306,172 1,207,142 964,299 332,319 2,809,932
755,021 957,886 319,486 87,679 2,120,072
1,378,981
93,679 2,473,936
1,698 1,306,589
1,000 423,673
– 5,583,179
96,377
1,378,981 2,473,936 1,303,831 426,431 5,583,179
2020 12 31
1 91 361 3
90 360 3
223,283 306,197 18,116 6,201 553,797
293,917 1,086,780 832,248 3,040 2,215,985
742,041 949,664 312,044 84,687 2,088,436
1,352,895
93,654 2,344,339
1,698 1,166,166
1,000 91,170
– 4,954,570
96,352
1,352,895 2,344,339 1,163,408 93,928 4,954,570
2020 年年度報告 333
2020
3
(4)
2019 12 31
1 91 361 3
90 360 3
196,135 236,843 13,034 5,084 451,096
786,971 568,720 882,591 6,488 2,244,770
637,172 504,693 508,627 267,561 1,918,053
390,265 57,833 – – 448,098
2,010,543 1,368,089 1,404,252 279,133 5,062,017
2019 12 31
1 91 361 3
90 360 3
195,598 235,902 12,539 5,084 449,123
654,706 559,785 532,691 3,338 1,750,520
606,175 502,877 499,329 266,663 1,875,044
390,265 57,833 – – 448,098
1,846,744 1,356,397 1,044,559 275,085 4,522,785
334 重慶農村商業銀行股份有限公司
2020
3
(4)
2020 12 31 15.40 2019 12
31 6.24 90 7.44
2019 12 31 5.42
2020
1,016 2019
2020 年年度報告 335
2020
3
(5)
2020 12 31
AAA 3,610,397 141,969,711 299,486 145,879,594
AA 1,609,111 13,978,621 – 15,587,732
A A – 64,151 – 64,151
– 35,664,950 – 35,664,950
1,651,528 49,955,169 15,755,737 67,362,434
– 40,865,484 – 40,865,484
– 61,506,343 – 61,506,343
– 10,000,126 – 10,000,126
23,293,427 33,385,586 – 56,679,013
30,164,463 387,390,141 16,055,223 433,609,827
– (4,225,652) – (4,225,652)
30,164,463 383,164,489 16,055,223 429,384,175
336 重慶農村商業銀行股份有限公司
2020
3
(5)
2020 12 31
AAA 3,610,397 142,072,553 299,486 145,982,436
AA 1,609,111 13,978,621 – 15,587,732
A A – 64,151 – 64,151
– 34,851,848 – 34,851,848
1,651,528 49,955,169 15,755,737 67,362,434
– 40,865,484 – 40,865,484
– 61,506,343 – 61,506,343
– 10,000,126 – 10,000,126
24,294,194 33,385,586 – 57,679,780
31,165,230 386,679,881 16,055,223 433,900,334
– (4,225,679) – (4,225,679)
31,165,230 382,454,202 16,055,223 429,674,655
2020 年年度報告 337
2020
3
(5)
2019 12 31
AAA 2,862,974 48,534,763 647 51,398,384
AA 1,485,914 10,598,012 95,244 12,179,170
A A – 162,379 – 162,379
– 87,236,314 – 87,236,314
105,451 47,845,353 6,309,267 54,260,071
– 44,118,095 273,849 44,391,944
498,054 69,022,311 – 69,520,365
– 21,043,307 – 21,043,307
– 21,254,538 – 21,254,538
4,952,393 349,815,072 6,679,007 361,446,472
– (3,396,656) – (3,396,656)
4,952,393 346,418,416 6,679,007 358,049,816
338 重慶農村商業銀行股份有限公司
2020
3
(5)
2019 12 31
AAA 2,862,974 48,637,598 647 51,501,219
AA 1,485,914 10,598,012 95,244 12,179,170
A A – 162,379 – 162,379
– 87,236,314 – 87,236,314
105,451 47,845,353 6,309,267 54,260,071
– 44,118,095 273,849 44,391,944
498,054 69,022,311 – 69,520,365
– 21,043,307 – 21,043,307
– 21,254,538 – 21,254,538
4,952,393 349,917,907 6,679,007 361,549,307
– (3,396,681) – (3,396,681)
4,952,393 346,521,226 6,679,007 358,152,626
2020 年年度報告 339
2020
4
340 重慶農村商業銀行股份有限公司
2020
4
(1)
2020 12 31
1 1 3 3 12 1 5 5
56,523,959 8,844,964 – – – – – 65,368,923
– 7,526,046 1,055,967 8,054,179 11,135,265 – – 27,771,457
– – 7,857,729 20,661,983 81,095,392 – – 109,615,104
– – 821 850 42,191 14,630 – 58,492
– – 1,303,008 – – – – 1,303,008
1,871,846 – 17,074,107 28,283,353 141,709,769 136,404,373 161,619,955 486,963,403
– 2,503,025 815,756 1,449,309 1,011,699 14,334,000 10,050,674 30,164,463
– – 4,005,274 30,306,457 66,313,445 157,763,203 124,776,110 383,164,489
– – – 124,903 128,645 294,020 15,507,655 16,055,223
570,321 – – – – – – 570,321
– 1,093,264 – – – – – 1,093,264
58,966,126 19,967,299 32,112,662 88,881,034 301,436,406 308,810,226 311,954,394 1,122,128,147
– – 80 3,982,483 58,331,244 – – 62,313,807
– 1,784,356 4,671,977 13,061,472 15,921,496 – – 35,439,301
– – 5,401,533 5,242,857 16,055,609 – – 26,699,999
– – 760 798 79,961 227 – 81,746
– – 2,400,573 2,661,785 1,310,842 – – 6,373,200
– 257,556,816 43,719,865 104,664,428 160,641,822 158,416,883 – 724,999,814
– – 2,299,293 43,329,903 104,657,249 13,893,834 8,997,930 173,178,209
– 5,070,326 – – – – 35,904 5,106,230
– 264,411,498 58,494,081 172,943,726 356,998,223 172,310,944 9,033,834 1,034,192,306
58,966,126 (244,444,199) (26,381,419) (84,062,692) (55,561,817) 136,499,282 302,920,560 87,935,841
2020 年年度報告 341
2020
4
(1)
2020 12 31
1 1 3 3 12 1 5 5
56,423,155 8,770,489 – – – – – 65,193,644
– 6,780,608 1,030,972 7,254,204 10,876,340 – – 25,942,124
– – 8,057,692 21,170,970 84,471,782 – – 113,700,444
– – 821 850 42,191 14,630 – 58,492
– – 1,303,008 – – – – 1,303,008
1,819,042 – 16,507,398 27,582,530 139,391,800 101,750,022 159,435,084 446,485,876
– 2,503,025 815,756 1,449,309 2,012,466 14,334,000 10,050,674 31,165,230
– – 4,005,274 30,306,457 65,503,185 157,863,176 124,776,110 382,454,202
– – – 124,903 128,645 294,020 15,507,655 16,055,223
570,321 – – – – – – 570,321
– 1,057,331 – – – – – 1,057,331
58,812,518 19,111,453 31,720,921 87,889,223 302,426,409 274,255,848 309,769,523 1,083,985,895
– – – 3,952,162 58,178,798 – – 62,130,960
– 2,520,543 4,769,987 13,071,590 16,002,404 – – 36,364,524
– – 2,182,115 – 336,436 – – 2,518,551
– – 760 798 79,961 227 – 81,746
– – 2,400,573 2,661,785 1,310,842 – – 6,373,200
– 256,883,317 43,539,007 104,547,118 160,366,772 157,909,841 – 723,246,055
– – 2,299,293 43,329,903 104,603,248 11,995,814 8,997,930 171,226,188
– 2,336,463 – – – – 35,904 2,372,367
– 261,740,323 55,191,735 167,563,356 340,878,461 169,905,882 9,033,834 1,004,313,591
58,812,518 (242,628,870) (23,470,814) (79,674,133) (38,452,052) 104,349,966 300,735,689 79,672,304
342 重慶農村商業銀行股份有限公司
2020
4
(1)
2019 12 31
1 1 3 3 12 1 5 5
64,477,059 12,936,535 – – – – – 77,413,594
– 5,362,737 2,123,689 1,297,200 6,841,739 – – 15,625,365
– – 8,764,670 34,934,645 85,359,466 1,316,979 – 130,375,760
-– – 7,536 21,259 10,437 53,031 – 92,263
1,915,196 – 21,761,510 20,575,327 130,436,638 103,390,586 138,261,524 416,340,781
– – 1,180,212 4,670,144 7,865,255 5,508,040 4,454,340 23,677,991
– – 9,258,655 21,412,354 81,912,459 136,073,295 97,761,653 346,418,416
– – 43,880 40,092 309,566 75,072 6,210,397 6,679,007
577,835 – – – – – – 577,835
– 784,554 – – – – – 784,554
66,970,090 19,083,826 43,140,152 82,951,021 312,735,560 246,417,003 246,687,914 1,017,985,566
– – – 2,855 31,215,134 – – 31,217,989
– 458,375 514,557 3,931,244 4,588,887 – – 9,493,063
– – 3,093,143 7,880,114 15,102,372 – – 26,075,629
– – 276 20,802 8,846 29,692 – 59,616
– – 13,364,641 1,721,487 – – – 15,086,128
– 260,297,720 27,240,418 87,781,504 135,470,063 162,612,111 3 673,401,819
– – 4,861,440 58,431,051 91,145,471 7,894,492 8,997,613 171,330,067
– 6,547,312 – – – – 37,480 6,584,792
– 267,303,407 49,074,475 159,769,057 277,530,773 170,536,295 9,035,096 933,249,103
66,970,090 (248,219,581) (5,934,323) (76,818,036) 35,204,787 75,880,708 237,652,818 84,736,463
2020 年年度報告 343
2020
4
(1)
2019 12 31
1 1 3 3 12 1 5 5
64,353,461 12,883,738 – – – – – 77,237,199
– 5,033,615 2,102,521 1,271,186 6,929,564 – – 15,336,886
– – 8,942,320 35,556,395 88,903,389 1,316,979 – 134,719,083
– – 7,536 21,259 10,437 53,031 – 92,263
1,857,534 – 21,565,596 20,157,924 127,834,644 71,975,797 136,447,655 379,839,150
– – 1,180,212 4,670,144 7,865,255 5,508,040 4,454,340 23,677,991
– – 9,258,655 21,412,354 81,915,293 136,173,271 97,761,653 346,521,226
– – 43,880 40,092 309,566 75,072 6,210,397 6,679,007
577,835 – – – – – – 577,835
– 752,627 – – – – – 752,627
66,788,830 18,669,980 43,100,720 83,129,354 313,768,148 215,102,190 244,874,045 985,433,267
– – – 2,800 31,129,634 – – 31,132,434
– 821,633 632,561 4,009,433 4,613,858 – – 10,077,485
– – 1,217,795 3,561,524 411,462 – – 5,190,781
– – 276 20,802 8,846 29,692 – 59,616
– – 13,364,641 1,721,487 – – – 15,086,128
– 259,323,561 27,145,655 87,658,369 135,231,955 162,327,976 3 671,687,519
– – 4,861,440 58,431,051 91,091,461 5,997,958 8,997,613 169,379,523
– 3,918,014 – – – – 37,480 3,955,494
– 264,063,208 47,222,368 155,405,466 262,487,216 168,355,626 9,035,096 906,568,980
66,788,830 (245,393,228) (4,121,648) (72,276,112) 51,280,932 46,746,564 235,838,949 78,864,287
(2)
344 重慶農村商業銀行股份有限公司
2020
4
(2)
2020 12 31
1 1 3 3 12 1 5 5
56,523,959 8,857,569 65,381,528
7,538,540 1,056,797 8,090,541 11,340,255 28,026,133
7,871,258 20,969,005 82,919,595 111,759,858
1,304,523 1,304,523
1,991,967 19,402,702 34,503,546 166,756,751 177,088,010 257,441,764 657,184,740
2,503,025 816,054 1,472,774 1,339,418 16,947,592 11,667,512 34,746,375
4,218,349 31,335,348 74,082,314 195,221,957 144,633,810 449,491,778
153,500 389,875 2,458,500 18,158,000 21,159,875
570,321 570,321
1,066,850 1,066,850
59,086,247 19,965,984 34,669,683 96,524,714 336,828,208 391,716,059 431,901,086 1,370,691,981
80 4,065,726 59,352,087 63,417,893
1,784,224 4,678,474 13,118,821 16,146,469 35,727,988
5,406,419 5,345,790 16,421,740 27,173,949
2,401,990 2,671,100 1,324,499 6,397,589
257,556,816 43,763,700 105,044,740 162,822,515 169,185,099 738,372,870
2,304,000 43,601,200 106,707,200 16,218,600 10,072,000 178,903,000
5,070,326 35,904 5,106,230
264,411,366 58,554,663 173,847,377 362,774,510 185,403,699 10,107,904 1,055,099,519
59,086,247 (244,445,382) (23,884,980) (77,322,663) (25,946,302) 206,312,360 421,793,182 315,592,462
11,081 15,258 2,489,088 409,294 2,924,721
(11,021) (15,206) (2,526,857) (408,620) (2,961,704)
2020 年年度報告 345
2020
4
(2)
2020 12 31
1 1 3 3 12 1 5 5
56,423,155 8,782,994 65,206,149
6,793,001 1,031,763 7,286,610 11,059,265 26,170,639
8,071,367 21,481,013 86,395,610 115,947,990
1,304,523 1,304,523
1,939,162 17,640,594 31,740,658 154,843,816 147,427,376 255,911,859 609,503,465
2,503,025 816,054 1,472,774 2,360,131 16,947,592 11,667,512 35,767,088
4,218,349 31,335,348 73,252,769 195,325,757 144,633,810 448,766,033
153,500 389,875 2,458,500 18,158,000 21,159,875
570,321 570,321
1,031,557 1,031,557
58,932,638 19,110,577 33,082,650 93,469,903 328,301,466 362,159,225 430,371,181 1,325,427,640
4,034,602 59,198,526 63,233,128
2,520,543 4,776,599 13,128,981 16,229,109 36,655,232
2,182,613 338,270 2,520,883
2,401,990 2,671,100 1,324,499 6,397,589
256,883,317 43,582,843 104,927,429 162,547,465 168,678,057 736,619,111
2,304,000 43,601,200 106,635,000 14,246,400 10,072,000 176,858,600
2,336,463 35,904 2,372,367
261,740,323 55,248,045 168,363,312 346,272,869 182,924,457 10,107,904 1,024,656,910
58,932,638 (242,629,746) (22,165,395) (74,893,409) (17,971,403) 179,234,768 420,263,277 300,770,730
11,081 15,258 2,489,088 409,294 2,924,721
(11,021) (15,206) (2,526,857) (408,620) (2,961,704)
346 重慶農村商業銀行股份有限公司
2020
4
(2)
2019 12 31
1 1 3 3 12 1 5 5
64,477,059 12,951,781 – – – – – 77,428,840
– 5,365,070 2,211,170 1,303,248 6,964,273 – – 15,843,761
– – 8,780,486 35,437,983 90,568,720 1,380,754 – 136,167,943
– – – – – – – –
1,940,449 – 23,779,143 24,570,586 147,673,811 123,394,165 232,416,732 553,774,886
– – 1,178,354 4,708,206 8,155,130 6,894,404 5,025,121 25,961,215
– – 9,444,673 23,834,249 86,984,907 170,183,628 110,414,444 400,861,901
– – 43,996 40,351 516,035 886,500 7,358,125 8,845,007
577,835 – – – – – – 577,835
– 759,301 – – – – – 759,301
66,995,343 19,076,152 45,437,822 89,894,623 340,862,876 302,739,451 355,214,422 1,220,220,689
– – – 23,414 31,822,970 – – 31,846,384
– 458,375 515,098 3,950,710 4,681,372 – – 9,605,555
– – 3,096,229 7,985,441 15,362,899 – – 26,444,569
– – 13,368,198 1,728,629 – – – 15,096,827
– 260,523,279 27,270,563 88,075,048 137,366,560 175,909,663 3 689,145,116
– – 4,870,000 58,750,000 92,953,200 9,821,400 10,454,000 176,848,600
– 6,321,753 – – – – 37,480 6,359,233
– 267,303,407 49,120,088 160,513,242 282,187,001 185,731,063 10,491,483 955,346,284
66,995,343 (248,227,255) (3,682,266) (70,618,619) 58,675,875 117,008,388 344,722,939 264,874,405
– – 2,942,121 1,055,130 635,482 2,230,015 – 6,862,748
– – (2,934,861) (1,054,674) (633,891) (2,219,605) – (6,843,031)
2020 年年度報告 347
2020
4
(2)
2019 12 31
1 1 3 3 12 1 5 5
64,353,461 12,898,770 – – – – – 77,252,231
– 5,035,810 2,189,979 1,278,128 7,051,968 – – 15,555,885
– – 8,958,328 36,062,605 94,202,987 1,380,754 – 140,604,674
– – – – – – – –
1,880,992 – 22,382,779 22,090,259 136,506,957 97,357,095 230,936,927 511,155,009
– – 1,178,354 4,708,206 8,155,130 6,894,404 5,025,121 25,961,215
– – 9,444,673 23,834,249 86,988,707 170,291,228 110,414,444 400,973,301
– – 43,996 40,351 516,035 886,500 7,358,125 8,845,007
577,835 – – – – – – 577,835
– 729,169 – – – – – 729,169
66,812,288 18,663,749 44,198,109 88,013,798 333,421,784 276,809,981 353,734,617 1,181,654,326
– – – 22,870 31,736,591 – – 31,759,461
– 821,633 633,336 4,029,426 4,706,977 – – 10,191,372
– – 1,218,611 3,578,779 421,303 – – 5,218,693
– – 13,368,198 1,728,629 -– – – 15,096,827
– 259,548,839 27,175,801 87,951,913 137,128,452 175,625,528 3 687,430,536
– – 4,870,000 58,750,000 92,881,000 7,777,000 10,454,000 174,732,000
– 3,692,735 – – – – 37,480 3,730,215
– 264,063,207 47,265,946 156,061,617 266,874,323 183,402,528 10,491,483 928,159,104
66,812,288 (245,399,458) (3,067,837) (68,047,819) 66,547,461 93,407,453 343,243,134 253,495,222
– – 2,942,121 1,055,130 635,482 2,230,015 – 6,862,748
– – (2,934,861) (1,054,674) (633,891) (2,219,605) – (6,843,031)
348 重慶農村商業銀行股份有限公司
2020
4
(3)
2020 12 31
1 1 5 5
9,236,861 – – 9,236,861
21,959,923 – – 21,959,923
2,040,782 1,750,455 8,000 3,799,237
2,394,727 – – 2,394,727
35,632,293 1,750,455 8,000 37,390,748
2020 12 31
1 1 5 5
9,236,481 – – 9,236,481
21,959,923 – – 21,959,923
2,040,782 1,750,455 8,000 3,799,237
2,394,727 – – 2,394,727
35,631,913 1,750,455 8,000 37,390,368
2020 年年度報告 349
2020
4
(3)
2019 12 31
1 1 5 5
8,289,363 – – 8,289,363
17,169,136 – – 17,169,136
4,397,706 2,762,956 8,000 7,168,662
2,826,574 – – 2,826,574
32,682,779 2,762,956 8,000 35,453,735
5
2009
350 重慶農村商業銀行股份有限公司
2020
5
(1)
2020 12 31
65,279,310 89,613 – – 65,368,923
26,353,725 807,862 191,794 418,076 27,771,457
109,081,116 533,988 – – 109,615,104
57,585 907 – – 58,492
1,303,008 – – – 1,303,008
484,941,118 2,022,285 – – 486,963,403
30,164,463 – – – 30,164,463
383,131,476 33,013 – – 383,164,489
16,055,223 – – – 16,055,223
570,321 – – – 570,321
1,093,264 – – – 1,093,264
1,118,030,609 3,487,668 191,794 418,076 1,122,128,147
62,313,807 – – – 62,313,807
35,439,170 131 – – 35,439,301
25,181,588 1,518,411 – – 26,699,999
3,404 78,342 – – 81,746
6,373,200 – – – 6,373,200
722,738,012 2,232,671 2,698 26,433 724,999,814
173,178,209 – – – 173,178,209
5,070,326 35,904 – – 5,106,230
1,030,297,716 3,865,459 2,698 26,433 1,034,192,306
87,732,893 (377,791) 189,096 391,643 87,935,841
884,982 327,541 – (377,175) 835,348
34,641,177 2,115,055 – 474,597 37,230,829
2020 年年度報告 351
2020
5
(1)
2020 12 31
65,104,031 89,613 – – 65,193,644
24,524,392 807,862 191,794 418,076 25,942,124
113,166,456 533,988 – – 113,700,444
57,585 907 – – 58,492
1,303,008 – – – 1,303,008
444,463,591 2,022,285 – – 446,485,876
31,165,230 – – – 31,165,230
382,421,189 33,013 – – 382,454,202
16,055,223 – – – 16,055,223
570,321 – – – 570,321
1,057,331 – – – 1,057,331
1,079,888,357 3,487,668 191,794 418,076 1,083,985,895
62,130,960 – – – 62,130,960
36,364,393 131 – – 36,364,524
1,000,140 1,518,411 – – 2,518,551
3,404 78,342 – – 81,746
6,373,200 – – – 6,373,200
720,984,253 2,232,671 2,698 26,433 723,246,055
171,226,188 – – – 171,226,188
2,336,463 35,904 – – 2,372,367
1,000,419,001 3,865,459 2,698 26,433 1,004,313,591
79,469,356 (377,791) 189,096 391,643 79,672,304
884,982 327,541 – (377,175) 835,348
34,640,803 2,115,055 – 474,597 37,230,455
352 重慶農村商業銀行股份有限公司
2020
5
(1)
2019 12 31
77,151,655 261,939 – – 77,413,594
14,773,093 690,686 37,245 124,341 15,625,365
127,588,094 2,787,666 – – 130,375,760
42,645 49,162 456 – 92,263
414,058,804 2,281,977 – – 416,340,781
23,677,991 – – – 23,677,991
346,383,148 35,268 – – 346,418,416
6,679,007 – – – 6,679,007
577,835 – – – 577,835
784,554 – – – 784,554
1,011,716,826 6,106,698 37,701 124,341 1,017,985,566
31,217,989 – – – 31,217,989
9,492,923 140 – – 9,493,063
24,789,406 1,286,223 – – 26,075,629
32,301 27,315 – – 59,616
15,086,128 – – – 15,086,128
672,662,416 738,818 3 582 673,401,819
171,330,067 – – – 171,330,067
6,547,312 37,480 – – 6,584,792
931,158,542 2,089,976 3 582 933,249,103
80,558,284 4,016,722 37,698 123,759 84,736,463
3,203,607 (2,389,918) 70,256 – 883,945
32,341,747 2,599,682 – 512,306 35,453,735
2020 年年度報告 353
2020
5
(1)
2019 12 31
76,975,260 261,939 – – 77,237,199
14,484,614 690,686 37,245 124,341 15,336,886
131,931,417 2,787,666 – – 134,719,083
42,645 49,162 456 – 92,263
377,557,173 2,281,977 – – 379,839,150
23,677,991 – – – 23,677,991
346,485,958 35,268 – – 346,521,226
6,679,007 – – – 6,679,007
577,835 – – – 577,835
752,627 – – – 752,627
979,164,527 6,106,698 37,701 124,341 985,433,267
31,132,434 – – – 31,132,434
10,077,345 140 – – 10,077,485
3,904,558 1,286,223 – – 5,190,781
32,301 27,315 – – 59,616
15,086,128 – – – 15,086,128
670,948,116 738,818 3 582 671,687,519
169,379,523 – – – 169,379,523
3,918,014 37,480 – – 3,955,494
904,478,419 2,089,976 3 582 906,568,980
74,686,108 4,016,722 37,698 123,759 78,864,287
3,203,607 (2,389,918) 70,256 – 883,945
32,341,747 2,599,682 – 512,306 35,453,735
354 重慶農村商業銀行股份有限公司
2020
5
(1)
5% 5%
2020
5% 12,821 –
5% (12,821) –
2020
5% 12,821 –
5% (12,821) –
2020 年年度報告 355
2020
5
(1)
2019
5% (150,627) –
5% 150,627 –
2019
5% (150,627) –
5% 150,627 –
(2)
356 重慶農村商業銀行股份有限公司
2020
5
(2)
2020 12 31
1 1 3 3 12 1 5 5
378,534 64,990,389 65,368,923
7,131,614 7,907,087 11,021,674 1,711,082 27,771,457
7,658,689 20,193,742 80,039,422 1,723,251 109,615,104
58,492 58,492
1,302,667 341 1,303,008
177,696,186 41,357,944 152,536,317 94,186,332 19,320,775 1,865,849 486,963,403
1,547,004 5,324,032 23,293,427 30,164,463
2,866,553 28,349,580 63,004,676 157,763,203 124,776,110 6,404,367 383,164,489
294,020 15,507,655 253,548 16,055,223
570,321 570,321
1,093,264 1,093,264
197,034,243 97,808,694 306,602,089 253,790,559 164,928,572 101,963,990 1,122,128,147
3,980,300 56,919,030 1,414,477 62,313,807
6,400,447 12,960,000 15,800,300 278,554 35,439,301
5,354,482 5,180,000 15,961,770 203,747 26,699,999
81,746 81,746
2,383,006 2,640,039 1,304,810 45,345 6,373,200
306,621,361 98,496,248 156,492,667 151,386,738 12,002,800 724,999,814
2,237,221 43,145,576 104,364,898 13,893,834 8,997,930 538,750 173,178,209
35,904 5,070,326 5,106,230
322,996,517 166,402,163 350,843,475 165,280,572 9,033,834 19,635,745 1,034,192,306
(125,962,274) (68,593,469) (44,241,386) 88,509,987 155,894,738 82,328,245 87,935,841
2020 年年度報告 357
2020
5
(2)
2020 12 31
1 1 3 3 12 1 5 5
219,527 64,974,117 65,193,644
6,361,703 7,112,285 10,762,848 1,705,288 25,942,124
7,858,636 20,693,608 83,388,768 1,759,432 113,700,444
58,492 58,492
1,302,667 341 1,303,008
164,063,841 32,870,139 142,838,367 86,481,068 18,983,916 1,248,545 446,485,876
1,547,004 5,324,032 24,294,194 31,165,230
2,866,553 28,349,580 62,194,332 157,863,176 124,776,110 6,404,451 382,454,202
294,020 15,507,655 253,548 16,055,223
570,321 570,321
1,057,331 1,057,331
182,672,927 89,025,953 299,184,315 246,185,268 164,591,713 102,325,719 1,083,985,895
3,950,000 56,787,000 1,393,960 62,130,960
7,232,448 12,970,000 15,880,000 282,076 36,364,524
2,174,482 332,770 11,299 2,518,551
81,746 81,746
2,383,006 2,640,039 1,304,810 45,345 6,373,200
305,771,339 98,381,247 156,223,124 150,891,752 11,978,593 723,246,055
2,237,221 43,145,577 104,364,898 11,995,814 8,997,930 484,748 171,226,188
35,904 2,336,463 2,372,367
319,798,496 161,086,863 334,892,602 162,887,566 9,033,834 16,614,230 1,004,313,591
(137,125,569) (72,060,910) (35,708,287) 83,297,702 155,557,879 85,711,489 79,672,304
358 重慶農村商業銀行股份有限公司
2020
5
(2)
2019 12 31
1 1 3 3 12 1 5 5
72,447,638 – – – – 4,965,956 77,413,594
6,561,731 1,265,676 6,753,140 – – 1,044,818 15,625,365
8,544,411 34,082,252 83,788,490 1,299,591 – 2,661,016 130,375,760
– – – – – 92,263 92,263
248,935,110 28,663,237 111,551,235 18,322,546 2,842,604 6,026,049 416,340,781
– 498,054 7,873 – 4,454,340 18,717,724 23,677,991
8,247,381 19,598,649 78,911,223 136,173,236 97,761,653 5,726,274 346,418,416
41,293 38,195 204,089 75,060 6,210,397 109,973 6,679,007
– – – – – 577,835 577,835
– – – – – 784,554 784,554
344,777,564 84,146,063 281,216,050 155,870,433 111,268,994 40,706,462 1,017,985,566
– – 30,875,500 – – 342,489 31,217,989
965,907 3,900,000 4,530,000 – – 97,156 9,493,063
3,047,620 7,798,810 14,989,286 – – 239,913 26,075,629
– – – – – 59,616 59,616
13,340,656 1,709,535 – – – 35,937 15,086,128
286,613,154 85,888,764 132,510,149 159,015,051 3 9,374,698 673,401,819
4,861,440 58,431,051 90,864,488 7,894,493 8,997,613 280,982 171,330,067
– – – – 37,480 6,547,312 6,584,792
308,828,777 157,728,160 273,769,423 166,909,544 9,035,096 16,978,103 933,249,103
35,948,787 (73,582,097) 7,446,627 (11,039,111) 102,233,898 23,728,359 84,736,463
2020 年年度報告 359
2020
5
(2)
2019 12 31
1 1 3 3 12 1 5 5
72,286,491 – – – – 4,950,708 77,237,199
6,217,435 1,239,660 6,840,990 – – 1,038,801 15,336,886
8,714,369 34,682,105 87,287,649 1,299,591 – 2,735,369 134,719,083
– – – – – 92,263 92,263
239,231,247 16,101,386 98,250,992 17,940,638 2,765,249 5,549,638 379,839,150
– 498,054 7,873 – 4,454,340 18,717,724 23,677,991
8,247,381 19,598,649 79,011,199 136,173,236 97,761,653 5,729,108 346,521,226
41,293 38,195 204,089 75,060 6,210,397 109,973 6,679,007
– – – – – 577,835 577,835
– – – – – 752,627 752,627
334,738,216 72,158,049 271,602,792 155,488,525 111,191,639 40,254,046 985,433,267
– – 30,790,000 – – 342,434 31,132,434
1,445,029 3,978,000 4,555,001 – – 99,455 10,077,485
1,197,620 3,548,810 409,286 – – 35,065 5,190,781
– – – – – 59,616 59,616
13,340,656 1,709,535 – – – 35,937 15,086,128
285,580,121 85,783,822 132,300,736 158,765,848 3 9,256,989 671,687,519
4,861,440 58,431,051 90,864,488 5,997,958 8,997,613 226,973 169,379,523
– – – – 37,480 3,918,014 3,955,494
306,424,866 153,451,218 258,919,511 164,763,806 9,035,096 13,974,483 906,568,980
28,313,350 (81,293,169) 12,683,281 (9,275,281) 102,156,543 26,279,563 78,864,287
360 重慶農村商業銀行股份有限公司
2020
5
(2)
100
2020 12 31
100 347,447 118,513 264,881 118,513
100 (347,447) (118,513) (264,881) (118,513)
2019 12 31
100 1,552,856 49,268 1,458,835 49,268
100 (1,552,856) (49,268) (1,458,835) (49,268)
2020 年年度報告 361
2020
5
(2)
(3)
6
2018
8.50%
9.50% 11.50%
7.50% 8.50%
10.50% 2020 12 31 2019 12 31
362 重慶農村商業銀行股份有限公司
2020
6
2020 2019
12 31 12 31
93,726,738 88,558,982
93,814,211 88,679,970
111,936,261 106,070,464
724,715,545 661,053,920
8,699,411 3,954,998
50,509,324 47,876,796
11.96% 12.42%
11.97% 12.44%
14.28% 14.88%
2020 年年度報告 363
2020
6
(1)
(2)
(3)
(4)
(5)
7
(1)
7
4 2020 2019
(2)
364 重慶農村商業銀行股份有限公司
2020
7
(3)
(i)
(ii)
2020 12 31
383,164,489 – 345,960,980 43,447,756 389,408,736
173,178,209 – 173,176,429 – 173,176,429
2020 12 31
382,454,202 – 345,248,577 43,447,756 388,696,333
171,226,188 – 171,212,686 – 171,212,686
2020 年年度報告 365
2020
7
(3)
2019 12 31
346,418,416 – 311,952,671 43,506,611 355,459,282
171,330,067 – 171,585,587 – 171,585,587
2019 12 31
346,521,226 – 312,056,123 43,506,611 355,562,734
169,379,523 – 169,619,989 – 169,619,989
366 重慶農村商業銀行股份有限公司
2020
7
(4)
2020 12 31
– 1,651,528 – 1,651,528
– 5,219,508 – 5,219,508
– – 2,265,065 2,265,065
– 21,028,362 – 21,028,362
– 27,899,398 2,265,065 30,164,463
– 15,755,737 – 15,755,737
– 299,486 – 299,486
– 16,055,223 – 16,055,223
– 134,203 8,000 142,203
– 428,118 – 428,118
– 562,321 8,000 570,321
– – 17,710,890 17,710,890
– – 17,710,890 17,710,890
– 58,492 – 58,492
– 81,746 – 81,746
2020 年年度報告 367
2020
7
(4)
2020 12 31
– 1,651,528 – 1,651,528
– 5,219,508 – 5,219,508
– – 3,265,832 3,265,832
– 21,028,362 – 21,028,362
– 27,899,398 3,265,832 31,165,230
– 15,755,737 – 15,755,737
– 299,486 – 299,486
– 16,055,223 – 16,055,223
– 134,203 8,000 142,203
– 428,118 – 428,118
– 562,321 8,000 570,321
– – 17,710,890 17,710,890
– – 17,710,890 17,710,890
– 58,492 – 58,492
– 81,746 – 81,746
368 重慶農村商業銀行股份有限公司
2020
7
(4)
2019 12 31
– 105,451 – 105,451
– 4,348,888 7,873 4,356,761
– 498,054 – 498,054
– – 13,209,685 13,209,685
– 5,508,040 – 5,508,040
– 10,460,433 13,217,558 23,677,991
– 369,740 – 369,740
– 6,309,267 – 6,309,267
– 6,679,007 – 6,679,007
– 34,687 8,000 42,687
– 535,148 – 535,148
– 569,835 8,000 577,835
– – 20,086,701 20,086,701
– 17,709,275 33,312,259 51,021,534
– 92,263 – 92,263
– 59,616 – 59,616
2020 年年度報告 369
2020
7
(4)
2020 2019
(5)
2020 1 1 13,217,558 8,000 20,086,701
45,065 – (23,530)
5,040,000 – 37,094,234
(16,037,558) – (39,446,515)
2020 12 31 2,265,065 8,000 17,710,890
2020 1 1 13,217,558 8,000 20,086,701
45,832 – (23,530)
6,040,000 – 37,094,234
(16,037,558) – (39,446,515)
2020 12 31 3,265,832 8,000 17,710,890
370 重慶農村商業銀行股份有限公司
2020
7
(5)
2019 1 1 9,848,291 858,257 8,000 20,192,651
214,576 – – (14,511)
22,195,000 – – 29,617,584
(19,040,309) (858,257) – (29,709,023)
2019 12 31 13,217,558 – 8,000 20,086,701
2021 3 30 2020 28
2021 3 30
2020 年年度報告 371
2020 2019
8,401,197 9,759,893
(94,497) (45,742)
(1,839) (187)
(147,046) (21,452)
(8,598) (9,021)
(1,585) (1,814)
25,900 4,000
2,067 650
– (781,060)
12,790 2,517
53,202 17,581
1,292 722
8,242,883 8,926,087
[2008]43
1
372 重慶農村商業銀行股份有限公司
(%)
2020 2019
9.28 12.82
9.11 11.73
( )
2020 2019
0.74 0.74 0.95 0.95
0.73 0.73 0.87 0.87
2020 年年度報告 373
( “ ”)
( “ ”)
( )
2020 12 31 2019 12 31
94,632,081 89,362,198
440,129 440,129
95,072,210 89,802,327
2008 6 27
38 ( )
(“ ”) 2009 1 1
2010 12 16
(H )
374 重慶農村商業銀行股份有限公司
股東大會 風險管理委員會
金融科技管理委員會
重慶農村商業銀行 公司金融委員會
戰略發展委員會
組織架構圖 綠色金融委員會 關聯交易控制委員會
零售金融委員會 提名委員會
審計委員會 董事會
風險管理委員會 薪酬委員會
提名委員會
資產負債管理委員會
監事會 審計委員會
履職盡職監督委員會 計劃考核委員會
高級管理層 三農金融服務委員會
財務審批委員會
內控評審委員會
消費者權益保護委員會
大宗物品採購委員會
監事會辦公室 董事會辦公室
三農及鄉村振興金融服務委員會
金融 公司 小微 零售 金融 風險 綜合 支持
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科技 金融 金融 金融 市場 控制 管理 保障
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中心 總部 條線 總部 總部 部門 部門 部門
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● 理 司
部 部
註：■表示實行事業部制管理模式；
●表示實行准事業部制管理模式；
未標識的實行直線職能部制管理模式。
2020 年年度報告
375
“ 142
”2 3 400011
655000 023-63716557
0874-3193599 023-63716557
0874-3193599
10 1-1
21 23 25 400020
401122 023-61310036
023-88502278 023-61310065
023-88502278
118 37 38
91 39
404100 400030
023-58156261 023-65332566
023-58156260 023-65332566
1 1-3
E 1-4-1-1 1 11 1-4-1-2 1-4-2-2
402260 400084
023-47528840 023-68836636
023-47522632 023-68901484
2 24
401520 400060
023-42835185 023-62947517
023-42841214 023-62982743
55 1 2
408000 400050
023-72238022 023-68437557
023-72237722 023-68437557
376 重慶農村商業銀行股份有限公司
20 24
400700 408400
023-68864083 023-71423626
023-68862728 023-71429898
91 1 1-1 34
401120 401420
023-67824010 023-48663139
023-67822014 023-48658598
145 4
400055 402660
023-66212977 023-44551908
023-66222960 023-44554249
36 102
400800 402560
023-48299505 023-45682975
023-48299504 023-45673031
13 390
401220 2
023-40245293 402360
023-40240574 023-43711711
023-43722323
399
402160 106
023-49863765 402460
023-49885099 023-46732980
023-46735395
2020 年年度報告 377
4
402760
023-41427834 405400
023-41427834 023-52250812
023-52250253
26 1
405200 1335
023-53223401 404500
023-53223401 023-55161480
023-55161480
30
405900 32
023-59221503 404699
023-59221503 023-56560373
023-56560229
187
408299 258
023-70736661 404700
023-70736533 023-57680904
023-67680904
371
408300 25
023-74512937 7 1-1
023-74685719 405899
023-51529828
023-51520799
49
404300
023-54235902 217
023-54243942 409000
023-79236496
023-79236496
378 重慶農村商業銀行股份有限公司
41
409100 487 489
023-73332136 215600
023-73337976 0512-58918959
0512-58918969
36
408500
023-77723233 H8/9
023-77722595 635100
0818-6256123
0818-6256616
409900 176
023-76662163 671000
023-76671163 0872-2188667
0872-2188667
5 “
409800 ” 11 16
023-75556144 672100
023-75552534 0872-3997552
0872-3122977
2 4 15
409600 671500
023-78848842 0872-4123500
023-78849965 0872-4123500
2020 年年度報告 379
19 A3-A6
545600 350400
0772-6822818 0591-86175991
0772-6663027 0591-86175991
924 926 928
365050 650000
0598-5758880 0871-68183750
0598-5758880 0871-68188973
1 10 3
355000 A 24 25
0593-8988906 401121
0593-8988920 023-63569568
023-63569555
7 3AS-1-1 10
674499 20 21
0887-8980066 400024
0887-8989811 023-61111693
023-61110379
2454 2456 2458
362700
0595-82269866
0595-82268878
380 重慶農村商業銀行股份有限公司