重庆农村商业银行（03618）今日盘中大涨5.01%，引发市场关注。该股涨势强劲，为内银股集体走高行情中表现最为亮眼的个股之一。
分析指出，内银股走强主要受益于上半年银行业绩明显回暖。据湘财证券分析，上市银行整体营业收入和归母净利润同比增速双双由负转正，显示出银行业经营状况的改善。虽然净息差仍面临一定下行压力，但预计下滑幅度将逐渐收窄，加之银行业反内卷相关举措，有助于缓解资产收益下行压力。
此外，低利率环境下的"资产荒"现象为银行股带来投资机遇。中国银河证券指出，银行板块高股息率（约4%）及稳定的分红政策吸引险资持续流入。考虑到2026年新会计准则的实施，预计银行板块增量资金有望进一步扩容。这些因素共同推动了重庆农村商业银行在内的内银股走强，反映了市场对银行股投资价值的重新认识。
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