IPO冲线在即，14家中小行密集更新上市辅导材料

Core Viewpoint - The IPO process for small and medium-sized banks in A-shares has significantly slowed down, with 15 banks currently in the listing guidance period, facing common issues related to asset ownership, equity management, and capital supplementation [1][10]. Group 1: Listing Progress and Challenges - Since the listing of Lanzhou Bank in 2022, no new banks have entered the A-share market, indicating a stagnation in the listing process for small and medium-sized banks [1]. - 14 banks, including Beijing Rural Commercial Bank and Guilin Bank, have recently disclosed their guidance progress reports, highlighting ongoing issues that have been repeatedly mentioned in previous rounds of guidance [1][10]. - The registration system has intensified the requirements for the authenticity, accuracy, and completeness of information disclosure, further amplifying the institutional deficiencies accumulated during the early development of these banks [1][9]. Group 2: Common Issues Faced by Banks - Asset ownership issues are prevalent among various banks, with examples including Gansu Bank and Wenzhou Bank, where property rights have not been properly documented [4][5]. - Specific problems include unregistered self-owned properties and non-compliant leased assets, with Gansu Bank reporting ongoing efforts to rectify ownership documentation for properties valued at approximately 143 million yuan [4][5]. - Equity management issues are also significant, with complex ownership structures and non-compliant shareholding practices identified in banks like Urumqi Bank and Fujian Haixia Bank [6][7]. Group 3: Capital Challenges - Many small and medium-sized banks face pressure on capital adequacy ratios, despite some having issued capital tools and conducted capital increases to supplement their capital [10][11]. - For instance, Hankou Bank reported a capital adequacy ratio of 14.38% as of the end of 2024, an increase of 2.54 percentage points from the end of 2023, but still faces ongoing capital consumption pressures [11]. - The need for additional capital channels remains critical, as the IPO process is seen as a key opportunity for these banks to enhance their capital levels and support economic activities [10][11].