贵阳银行董事来去间：16个月的“等待”，“90后”的“补位”

Core Viewpoint - Guiyang Bank has faced significant challenges with executive appointments, highlighted by the recent resignation of proposed director Yu Rui after a prolonged wait for regulatory approval, raising concerns about internal governance issues within the bank [2][4][5]. Group 1: Executive Resignations - The resignation of proposed director Yu Rui marks the second such incident in a short period, following the resignation of Liang Cheng on July 7, indicating a troubling trend in executive appointments at Guiyang Bank [2][4]. - Both Yu Rui and Liang Cheng were nominated to become directors in 2024 but faced delays in obtaining regulatory approval for their positions, leading to their resignations [4][5]. - The bank has experienced a series of similar cases, including the resignation of proposed vice president Yang Xuan, who also did not receive regulatory approval during his tenure [5]. Group 2: Regulatory Challenges - The regulatory environment has become stricter, with new guidelines requiring thorough vetting of proposed executives, which has contributed to the delays in appointment approvals [8][9]. - The revised "Management Measures for the Qualification of Directors and Senior Management of Banking Financial Institutions" emphasizes the need for comprehensive background checks on proposed executives, including their financial status and past conduct [8][9]. - Delays in regulatory approval can stem from various factors, including high personal debt levels or previous disciplinary actions, complicating the approval process for new executives [8][9]. Group 3: Impact on Performance - Guiyang Bank has experienced significant personnel turnover, which has negatively impacted its operational stability and financial performance, as evidenced by declining revenue and net profit in recent quarters [10][11]. - For the first three quarters of 2023, the bank reported a revenue of 9.435 billion yuan, a year-on-year decrease of 13.73%, and a net profit of 3.915 billion yuan, down 1.39% [10]. - The bank's asset quality remains relatively stable, with a non-performing loan ratio of 1.63% and a provision coverage ratio of 239.59%, indicating a cautious approach to risk management despite the internal challenges [12]. Group 4: Future Outlook - The nomination of the young candidate Bai Xue as a potential director raises questions about the future stability of the bank's management team and its ability to drive operational improvements [10][13]. - Market observers are keen to see how Guiyang Bank will stabilize its management team and return to a growth trajectory amid ongoing regulatory scrutiny and internal governance challenges [13].