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Netizens issued penalties for fabricating, spreading flood-related rumors, China’s cybersecurity authority reveals_我的网站
A | 来源：WEMONEY研究室 8月24日晚间，贵阳银行（601997.SH）披露2026年半年度报告。
China's cybersecurity authority unveiled cases involving the fabrication and online spread of flood and disaster-related rumors on Monday. The cases included netizens fabricating misinformation using AI to garner attention, even extending to creating doctored official government advisories, China Central Television (CCTV) News reported.
A total of 15 typical cases were made public by the cyberspace authority under China's Ministry of Public Security, as part of a continued drive against illegal activities involving the creation and spread of disaster-related false information that disrupt social order.
Several of these rumors were crafted with AI tools. For instance, a 37-year-old male netizen based in Shenzhen, South China's Guangdong Province, doctored local official typhoon safety notices using AI, posting the manipulated versions on social media to garner views. The false posts drew widespread public discussion and impacted disaster relief operations.
A netizen surnamed Yang from Qingyuan, Guangdong Province, used AI to create false notices claiming local school closures, work and business shutdowns amid flooding, disseminating them via WeChat.
Two other netizens similarly utilized AI tools to generate and circulate similar instances of disinformation using Douyin, alleging that in one case a food-delivery courier was still required to complete 10 deliveries during the typhoon and was seen clinging to a utility pole as strong winds swept him off the ground.
All individuals implicated in these publicly disclosed cases have been subject to administrative penalties by local public security authorities in accordance with the law, CCTV reported
In addition, some netizens fabricated false information from scratch. For instance, one netizen invented a story claiming that a flash flood had killed over 100 people and that rescue efforts had failed, purely to gain online traction.
Others resorted to deceptive editing techniques, including one individual who clipped and spliced together footage downloaded from the internet that had no connection to the typhoon, falsely presenting it as "a person trapped on a tower crane during the typhoon" and posting it on social media.
These netizens have been issued administrative penalties by local public security authorities according to law.
Global Times
。财报显示，该行上半年实现营业收入72.07亿元，同比增长10.87%；归属于母公司股东的净利润23.60亿元，同比下降4.61%。在营收双位数增长的背景下，归母净利润逆势下滑，一增一降之间，这家总资产突破7700亿元的西部城商行，正在经历一场典型的“息差修复”与“风险出清”的拉锯战。 贵阳银行在半年报中将利润下滑的原因归结为一句话：对部分风险资产加大减值计提力度，持续增强风险抵御能力。但拆解利润表可以发现，“增收不增利”的背后，是减值计提、投资收益、税率上行三股力量同时发力。 信用减值损失多提5.62亿元 吞掉营收增量 上半年贵阳银行计提信用减值损失25.83亿元，较上年同期增加5.62亿元，增幅约28%。而这多提的5.62亿元，几乎吃掉了营收端多增的7.06亿元。 值得注意的是，减值不是集中在某一个科目，而是多点开花。数据显示，上半年贷款减值计提同比增加2.1亿元，金融投资减值多提1.2亿元，长期应收款减值多提1.0亿元，后者主要来自子公司贵银金租加大计提力度。这意味着风险暴露分布在信贷、投资、租赁三条业务线上，该行选择了全面覆盖而非局部修补。 对应的资产质量指标也在同步变化。截至6月末，该行资产总额7，730.76 亿元，较年初增加296.14亿元，增长3.98%。同期，该行不良贷款率1.78%，较年初上升0.19个百分点；拨备覆盖率229.57%，较年初下降6.05个百分点。该行解释，不良率上行主要是按照风险分类审慎原则，将风险特征发生变化的贷款纳入不良，同时上半年存量不良贷款清收处置进度较缓。 投资收益同比骤降50% 非息收入未能形成有效对冲 如果说减值是利润下滑的主因，那么投资收益的塌方则让情况雪上加霜。 上半年贵阳银行投资收益8.69亿元，同比骤降50.02%，主因是其他债权投资处置损益大幅减少；虽然公允价值变动收益受债市利率下行影响，从去年同期的-5.11亿元扭转为+2.36亿元，但两相抵扣后，非息收入仅微增1.55%。 这并非贵阳银行一家的困境。同批披露中报的南京银行投资收益同比下降28.8%、非息净收入下滑24.73%，“债市低位波动拖累投资收益”已成为行业共性压力。 第三个拖累来自所得税。上半年所得税费用1.57亿元，同比暴增206.71%，原因是免税收入减少，国债等政府债券利息收入占比下降，实际税率上行进一步压缩了净利润空间。 三股力量叠加：营收多增7.06亿元，被信用减值损失多提的5.62亿元吃掉大头，再叠加投资收益减少8.70亿元（被公允价值变动收益弥补约7.47亿元）、所得税多缴1.06亿元，最终归母净利润较去年同期少了1.14亿元。
B | 息差修复能否撑住利润？ 三季度是关键观察窗口 把贵阳银行近两年的利润表放在一起看，拨备计提节奏已经成为利润调节的最大变量：2025年年报，营收下降12.94%，归母净利润却增长1.66%，靠的是减少计提减值损失22.31亿元。2026年上半年，营收转正，净利润却转负，靠的是多计提5.62亿元。
C | 这种“以丰补歉”的会计选择，让下半年的观察窗口变得清晰：减值计提节奏能否回落，取决于不良清收处置能否提速。 从有利因素看，该行净息差1.67%，同比上升0.14个百分点。这1.67%的息差并非来自资产端“多赚钱”，而是负债端“省出来”的：存款平均付息率降至1.84%，计息负债平均利率1.79%，叠加部分存量高成本负债集中进入重定价周期，利息支出明显回落。息差优势为营收端提供了持续正贡献的底座。 从不利因素看，上半年存量不良贷款清收处置进度偏缓，是不良率上行的另一主因。贵阳银行在半年报中明确表示，后续将加大不良贷款清收处置力度，密切关注重点领域和重点行业风险。 资本端也有一定缓冲。截至6月末，该行资本充足率15.07%，一级资本充足率13.86%，核心一级资本充足率12.87%，资本水平保持充足；且2026年中期不进行利润分配，利润留存可补充内源性资本。 考虑到该行主动加大计提的意图明确、拨备覆盖率229.57%仍有厚实缓冲、净息差领先优势带来营收正增长，下半年利润同比降幅大概率收窄，全年归母净利润有望微增或持平。但若批发零售业、个人经营贷、按揭贷款等重点领域不良生成继续加速，且清收处置进度仍跟不上，“增收不增利”的局面可能贯穿全年。 对于投资者而言，三季报披露的信用减值损失同比变化，将是验证这次“加大计提”究竟是一次性出清、还是持续性压力的关键信号。责任编辑：曹睿潼。
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