中小银行加快充实“家底”抵御风险

Group 1 - The core viewpoint of the articles highlights the frequent capital replenishment actions taken by small and medium-sized banks in response to capital pressure, with many banks receiving regulatory approval for capital increase plans [1][2] - Various local banks, including Zhangjiakou Bank, Zhejiang Chouzhou Commercial Bank, Baoding Bank, and Shangrao Bank, have been actively increasing their registered capital through methods such as targeted fundraising and capital expansion [1] - Local state-owned enterprises have emerged as the main supporters in the capital increase actions of small and medium-sized banks, indicating a trend of local government backing [1][2] Group 2 - As of July 16, Shangrao Bank completed the issuance of 1.244 billion shares, raising a total of 3.867 billion yuan, with the state-owned shareholding ratio expected to increase from 54.16% to approximately 67% by the end of 2024 [2] - Qingdao Bank announced that its parent company, Qingdao Guoxin Group, plans to increase its stake in the bank, reflecting confidence in the long-term investment value of the bank's shares [2] - The capital adequacy ratios of city commercial banks and rural commercial banks are notably lower than the overall banking sector, with urgent needs for capital injection to meet regulatory requirements [3] Group 3 - Experts suggest that shareholder increases and state-owned capital injections can provide immediate relief for banks, while also emphasizing the need for long-term structural solutions to capital replenishment challenges [3] - Recommendations include lowering the requirements for capital replenishment tools and simplifying approval processes to enhance the feasibility of capital increases for small and medium-sized banks [4]