冒险岛2
从重庆银行半年报看金融活水的“流向”与“力道”_我的网站
一 | 8月20日，重庆银行披露2026年半年度报告。在银行业整体利润承压的背景下，这份成绩单尤为亮眼：上半年营业收入84.86亿元，同比增长10.79%；实现净利润37.67亿元，同比增长10.97%；实现归母净利润35.18亿元，同比增长10.29%。
Even during summer break, changes to the admissions policy at the Communication University of China (CUC) have sparked heated discussions among students, with the reform becoming a hot topic on campus and on social media.
Amid heated debate over China's top media and arts school's admission reform, eight majors, including radio and television directing and theater directing, will no longer require separate arts exams and will instead admit students based solely on gaokao (the national college entrance exam) scores starting next year.
China's art college entrance examination, known as yikao, is a special admission pathway for students applying to arts-related majors. Applicants take both the gaokao and professional tests in areas such as fine arts, music, dance, acting, broadcasting and directing. Compared with many other university programs, art majors have traditionally placed less emphasis on gaokao scores and more on candidates' professional abilities and artistic potential.
"As one of China's most influential universities for media education, CUC's reform is seen as having broader implications," Xiong Bingqi, president of the 21st Century Education Research Institute and vice president of the China Association of College Newspapers, told the Global Times.
In his view, future arts admissions are likely to place greater emphasis on students' cultural literacy, professional interests and long-term potential.
Beyond the 'shortcut'
CUC's move reflects a broader trend among Chinese arts universities. In recent years, institutions such as Nanjing University of the Arts and Henan Academy of Fine Arts have reduced the number of majors requiring school-based exams on their specific art subjects, placing greater emphasis on academic performance and provincial-level arts examinations.
The changes reflect a broader trend in China's arts education admissions system, where universities have increasingly emphasized students' cultural foundation alongside their artistic abilities.
"CUC's latest adjustment reflects a broader trend in arts education reform, with some arts-related majors beginning to admit students based on their gaokao scores rather than separate professional examinations," Xiong told the Global Times.
According to Xiong, one of the key goals of the reform is to address the utilitarian mindset among some students and parents who view arts admissions as a "shortcut to college."
In the past, some arts programs had relatively lower requirements for cultural scores, prompting some students with weaker academic performance to turn to arts exams and enroll in professional training programs during high school. As a result, arts admissions were sometimes seen not as a choice driven by genuine artistic interest or career aspirations, but as an alternative pathway to enter universities.
"The cooling of arts exam fever, to me, is a good thing for arts education and talent cultivation," Xiong said. "By admitting eight majors directly based on cultural scores, CUC is effectively removing the stepping stone of the 'shortcut to college,' allowing more students with genuine artistic interests and professional ambitions to enter these fields."
For students, the reform has directly changed how they prepare for university and make academic choices.
"The changes have created more pathways for students interested in media-related fields," a junior arts management student surnamed Wang at CUC, told the Global Times.
Wang recalled that many students around her began preparing for arts exams as early as their sophomore year of high school and later traveled to cities where their target universities were located for intensive training.
As some media-related majors shift to cultural-score-based admissions, more students who did not take the arts exam but have a genuine interest in the media field may gain opportunities to enter these programs, she said.
Rethinking media talent
Beyond changing how students enter arts majors, the reform has also sparked discussion over how universities should train future media professionals.
A CUC sophomore student surnamed Wei from the School of Theater, Film and Television told the Global Times that one challenge after scrapping arts exams for some majors is how to support students who enter without systematic professional training.
"Students who previously prepared for arts exams often developed basic skills in audiovisual language and practical experience before entering university. Those admitted based on gaokao scores may need stronger professional guidance and more opportunities for practice," Wei said.
In addition to individual student development, the reform has also prompted discussions over what qualities future media professionals should possess. Kai Zhu, a drama education instructor at a leading high school in Beijing, told the Global Times that an overemphasis on exam-oriented training in media arts education had previously led some programs to focus on templates and techniques while neglecting core competencies.
"If media arts become a low-score pathway to university, the professional nature of the field will become blurred, and the industry may face a shortage of well-rounded talent," Kai said. CUC's reform signals a shift toward selecting media talent with both cultural depth and professional skills.
"Creative fields such as screenwriting and filmmaking are not built on technical skills alone; they require an understanding of society, humanity and history," he said.
"Cultural accumulation determines the depth and vision of creative works."
The reform is therefore not merely about changing the way students enter arts programs. Ultimately, it is about what kind of creators media and arts programs hope to nurture: not only those equipped with professional skills, but those who can think deeply, understand society and transform their cultural knowledge into meaningful works, he noted.
Wang Wenpei contributed to this story.
。值得关注的是，该行是13家连续10个季度实现营收、净利润“双正增长”的A股上市银行之一，也是唯一一家连续4个季度实现“双十增长”的A股上市银行。 贷款增量领跑区域，彰显金融主力军本色 截至6月末，重庆银行贷款余额5824.59亿元，较年初增加511.75亿元，增幅9.63%，贷款余额增量位列重庆市第一。存款端同样表现不俗，存款余额6272.02亿元，较年初增加614.98亿元，增幅10.87%。其中，对公存款余额增量连续两年居重庆市第一，储蓄存款余额增量连续两年居重庆市第二。 有市场分析人士指出，在区域持续加大实体经济金融支持的背景下，重庆银行存贷增速均显著高于资产增速，反映该行扎根区域、深耕本土的差异化竞争力。 信贷活水精准滴灌，与国家战略同频共振 存贷规模的增长，实则建立在精准投向实体经济重点领域的基础之上。 在服务国家战略层面，上半年该行向成渝地区双城经济圈提供信贷支持超1400亿元，服务西部陆海新通道建设融资余额超600亿元。通过出台专项行动方案、设立产业金融创新试验区等举措，持续强化对重大项目的金融供给。 支持新质生产力方面，重庆银行聚焦重庆“33618”现代制造业集群和“416”科技创新布局，制造业贷款规模超410亿元，重庆区域制造业中长期贷款规模同比增速超40%；科技型企业贷款余额增长27.3%，保持两位数稳健增长。此外，该行绿色金融实现跨越式发展，规模成功迈入千亿级别，达1069亿元，并落地全国首笔跨省域GEP挂钩贷款，探索生态价值转化的金融新路径。 践行普惠金融方面，截至6月末，该行普惠小微贷款余额达776.47亿元，规模稳居西部上市城商行首位，普惠小微贷款不良率、关注率实现“双降”。通过迭代升级“好企贷”“惠链贷”等线上产品，创新“普惠云·气象贷”“巫山脆李贷”等地域特色批量信贷业务，该行有效缩短了融资链条，提升了普惠金融服务的覆盖面和可得性。 量增质优，规模与风控的双重答卷 值得关注的是，信贷规模快速扩张的同时，资产质量同步改善。
二 | 截至6月末，不良贷款率1.11%，较上年末下降0.03个百分点；拨备覆盖率247.31%，较上年末上升1.73个百分点。规模扩张、风险下降、安全垫增厚同时出现，诠释了质量与效益协同发展的实践路径。 有分析指出，重庆银行的信贷投放并非单纯追求规模，而是将金融资源精准滴灌至成渝地区双城经济圈、西部陆海新通道等国家战略领域，以及制造业、普惠小微、科技型企业和绿色产业等实体经济重点领域。这种“精准滴灌”的模式，既服务了区域发展大局，也为自身赢得了持续的增长动能。
三 | 从存贷增量领跑区域，到信贷投向精准有力，重庆银行2026年半年报展现的不仅是一家西部城商行的规模跨越，更是一家地方法人银行在服务实体经济中实现自身高质量发展的实践路径。正如业内人士所言，在银行业“K型分化”的格局下，重庆银行以一份有质量、有韧性、有回应的经营答卷，为区域中小银行的转型升级提供了有益借鉴。责任编辑：孙同怀。
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