淮安宏信票据逾期异议申请！流动性压力再论断等 |每日债市舆情

Group 1: 淮安宏信国有资产投资管理有限公司 - The company was listed on the overdue acceptance list by the Shanghai Commercial Paper Exchange with an overdue balance of 2 million yuan as of November 7, 2025, due to a frozen bill that prevented payment [2] - The company has experienced a total of 4 overdue bills amounting to 215 million yuan, with the last three instances being under 5 million yuan each, attributed to various reasons including "timeout" and "frozen bills" [3] - As of the end of 2024, the company had 4.357 billion yuan in cash, with 2.659 billion yuan being restricted, indicating a liquidity pressure with a non-restricted cash to short-term debt ratio of approximately 0.17 [3][4] Group 2: 常德农村商业银行股份有限公司 - For the first three quarters of 2025, the company reported an operating income of 500 million yuan, a year-on-year decline of 17.59%, and a net profit of 2 million yuan, down 49.64% [5][6] - The bank's asset quality has deteriorated rapidly, with the non-performing loan ratio increasing from 2.74% at the end of 2022 to 4.81% at the end of 2024, and the provision coverage ratio dropping below regulatory requirements [6][7] - The bank's capital adequacy ratios are below regulatory standards, with a capital adequacy ratio of 8.08%, and both tier one and core tier one capital ratios at 6.71% [6][7]