IPO冲线在即，14家中小行密集更新上市辅导材料

Core Viewpoint - The article discusses the challenges faced by small and medium-sized banks in China regarding their IPO processes, highlighting common issues such as asset ownership, equity management, and capital adequacy that hinder their progress in the capital market [1][10]. Group 1: Asset Ownership Issues - Asset ownership problems are prevalent among the banks undergoing IPO preparations, with several institutions like Gansu Bank and Wenzhou Bank disclosing ownership flaws in their reports [3][5]. - Two main types of asset ownership issues are identified: self-owned assets lacking proper ownership certificates and non-compliant leased assets [4]. - For instance, Gansu Bank is still in the process of obtaining ownership certificates for properties valued at approximately 143 million yuan, while also facing issues with unregistered leased properties [4][5]. Group 2: Equity Management Challenges - Many banks are struggling with equity management, including complex ownership structures and non-compliant shareholding [6][7]. - Urumqi Bank has a complicated equity structure due to historical reasons, and is working on capital increase to optimize its equity structure [7]. - Violations of shareholding regulations are noted in several banks, such as Huishang Bank and Jiangnan Rural Commercial Bank, where individual employee holdings exceed the regulatory limit [8][9]. Group 3: Capital Adequacy Pressures - Capital adequacy remains a significant challenge for many small and medium-sized banks, with some banks like Hankou Bank needing to supplement capital through various channels [10]. - Hankou Bank's capital adequacy ratio improved to 14.38% by the end of 2024, but ongoing business development continues to exert pressure on capital levels [10]. - The article emphasizes that addressing asset ownership, equity structure, and capital adequacy issues is crucial for these banks to progress towards their IPO goals [10].