2026年1月6日，深交所发行上市审核信息显示，东莞银行、南海农商行在更新提交财务资料后，IPO审 核状态由'中止'变更为'已受理'。这是两家银行自2023年注册制改革后，第四次因财务资料过期被中止后 重新恢复审核流程。 据公开资料显示，东莞银行与南海农商行需每半年更新一次财务资料以维持审核状态。按现行节奏推 算，两家银行预计将在2026年3月31日再次面临因财务资料过期而被中止审核的境况。值得注意的是， 此次更新的财务数据仍停留在2025年半年度，而两家银行2025年三季报已显示盈利大幅下滑。 具体来看，截至2025年三季度末，东莞银行资产总额6812.74亿元，前三季度营收69.18亿元、净利润 25.44亿元，同比分别下降9.50%和20.88%；南海农商行资产总额3468.17亿元，同期营收42.77亿元、净 利润18.65亿元，同比降幅分别为8.73%和17.08%。资产质量方面，截至2025年上半年，东莞银行不良贷 款率升至1.08%，拨备覆盖率降至185.43%；南海农商行不良率升至1.55%，拨备覆盖率为230.99%。 这两家银行的IPO之路可谓坎坷。自2024年起，它们已四次因财务资料过期 ...

在这份贺词当中，辛树人总结的不单单只是2025年，更是过去五年恒丰银行所付出的努力。 他说，"十四五"的五年，是恒丰银行恢复元气、砥砺成长的五年，也是强身健骨、稳扎稳打的五年。 "我们从股改重组之初的低点出发，一点点补齐业务短板，一点点夯实发展基础，一点点积累客户口 碑，一路爬坡过坎、一路茁壮成长，走上了一条可持续高质量发展的轨道。" 恒丰银行取得了一些成就。 辛树人提到，预计全行资产总额达到1.6万亿元，营业收入和净利润连续2年逆势增长，不良贷款率连续 28个季度下降。 来源：银瑞社 一如既往，恒丰银行董事长辛树人在新年发表了贺词。 数据显示，2021年-2024年，恒丰银行营收增幅分别为13.56%、5.20%、0.62%、1.98%，净利增幅分别 为22.01%、6.03%、-23.70%、4.30%，略有波动。 2025年前三季度，该行实现营收207亿元，同比增长7.25%，实现净利润45.36亿元，同比上涨16.96%。 截至2025年9月末，恒丰银行资产总额达到15687.26亿元，负债总额14280.65亿元。 步入新年，辛树人迈入60岁关口，但他带领的恒丰银行仍有未达成的目标，比如上市。 作为 ...

来源：银瑞社 跨入新年，成都农商行董事长王晖依然忙碌。 1月5日，邛崃市人民政府与成都农商行座谈会暨战略合作协议签约仪式举行，王晖代表成都农商行出席 并讲话。 自从与成都银行互换掌舵人以后，市场对于成都农商行下一步的发展，充满了好奇。 2025年4月，中信证券曾发布成都农商行首次公开发行股票并上市辅导工作进展报告（第九期）。 该行于2022年12月22日启动IPO辅导，至今已有三年时间，仍未有关键性的进展。 作为成都市本地国资持股比例最大的银行，成都农商行依然倍感压力。 比起成都农商行前一任董事长黄建军，王晖年龄更大些，管理经验也更为丰富。 2026年，王晖年龄已达59岁，他早期在建设银行系统工作，历任成都市第六支行行长、四川省分行营业 部副总经理等职，后于2005年加入成都银行，主要担任行长一职，后于2020年成为成都银行董事长，掌 舵了五年时间。 他曾经带领成都银行实现了跨越式发展，亦是助推该行上市的关键人物。 如今，成都农商行亦迈入关键节点。 一方面，成都农商行规模已经突破万亿。 2025年12月31日，成都农商行官宣，其资产总额突破1万亿元，成为继重庆农商行、北京农商行、广州 农商行、上海农商行之后， ...

卅年砥砺，风云激荡。从扎根一隅、服务地方的"金融毛细血管"，到与国同梦、与城共进的"经济重要支 柱"，中国城市商业银行用三十载时光，完成了一场波澜壮阔的跨越与重塑。在此背景下，金融界重磅推 出"城商行三十年：跨越与重构"系列策划，系统梳理城商行蜕变为区域金融支柱的历程，剖析行业挑战与 未来航向。 作为新疆第一家具有独立法人资格的地方性股份制银行，乌鲁木齐银行在天山南北的金融沃土上已耕耘二 十八载，从1997年整合38家城市信用社起步，到2015年正式定名乌鲁木齐银行，这家扎根边疆的金融机 构，既见证了新疆经济的腾飞，也在时代浪潮中经历着转型阵痛与上市攻坚。 从整合到辐射：边疆银行的成长轨迹 1997年12月，乌鲁木齐银行的前身——乌鲁木齐城市合作银行正式组建，标志着新疆地方金融体系迈入规 范化发展新阶段。1998年7月，银行更名为乌鲁木齐市商业银行股份有限公司，2015年12月完成最终更 名，标志着其市场化转型与品牌升级的完成。二十八年间，银行的经营版图不断扩张，从乌鲁木齐市的核 心区域逐步向外辐射，如今已在全疆设立98家营业网点，其中包括10家一类管理型支行和6家异地分行， 构建起覆盖昌吉、阿克苏、伊犁等多 ...

阿里资产司法拍卖平台信息显示，南海农商行第五大股东能兴控股集团有限公司（下称"能兴控股"）持有的6500万股法人股将于2025年12 月30日公开拍卖，起拍价较估值折价30%。若拍卖成功，能兴控股将退出该行前十大股东名单。 近年来，能兴控股陷入经营困境，据天眼查数据，目前该公司被执行金额已超11亿元。而据南海农商行披露，能兴控股不仅是该行前五大 股东，其与旗下公司还曾是该行重要信贷客户。 值得注意的是，南海农商行自2018年启动A股IPO以来，已历经多次中止与重启，而近期因"财务资料过期"导致的审核停滞已持续逾两月。 股权更迭与经营业绩承压，或为这家区域性银行的上市之路增添了变数。 据南海农商行招股书披露，能兴控股曾是南海农商行的第二大股东，持股比例一度达5.29%。2024年12月，能兴控股持有的9387.05万股南 海农商行股份通过拍卖转让至广东南海控股集团有限公司，持股比例降至2.91%，降为南海农商行第五大股东。如今能兴控股持股再被拍 卖，若此次拍卖成功，其持有的南海农商行股份将不足5000万股，彻底退出前十大股东名单。 关联贷款能否回收？ 公开资料显示，能兴控股始创于1998年，从房地产起家，此后业 ...

Core Viewpoint - The auction of significant shares of Nanhai Rural Commercial Bank by Nengxing Group highlights ongoing challenges in the bank's IPO process and financial performance, with shares being sold at a substantial discount to their net asset value, reflecting broader issues in the banking sector and real estate market [1][4][11]. Group 1: Auction Details - Nengxing Group is set to auction 58 million and 7 million shares of Nanhai Rural Commercial Bank on December 30, with a starting price of 282 million yuan, representing a 30% discount from the estimated value [1][6]. - The auctioned shares are priced at 6.19 yuan per share, down from an estimated 6.7 yuan per share in 2024, and significantly below the bank's net asset value of 7.04 yuan per share as of Q3 2025 [1][6]. - The shares are limited to bids from legally qualified institutions registered in Foshan, with specific financial criteria required for participation [3][8]. Group 2: Shareholder Changes - Nengxing Group, previously the second-largest shareholder with a 5.29% stake, has seen its ownership drop to 2.91% following the auction, moving from the second to the fifth largest shareholder [3][9]. - The first auction attempt in October 2024 failed due to lack of bids, while the second attempt in December 2024 resulted in a sale to two state-owned enterprises for 374 million yuan, approximately 60% of the assessed value [3][8]. Group 3: IPO Process Challenges - Nanhai Rural Commercial Bank's IPO journey has been stalled since 2018, facing repeated interruptions due to expired financial documents, with the latest status still marked as "suspended" [4][10]. - The bank's financial reporting issues reflect deeper management and audit coordination challenges, raising concerns about regulatory compliance and the stability of its shareholder structure [4][10]. - The ongoing auction of major shareholder stakes during this sensitive period may cast a shadow over the bank's IPO prospects, as regulatory requirements emphasize stable and clear ownership [4][10]. Group 4: Financial Performance - For 2024, Nanhai Rural Commercial Bank reported revenues of 6.429 billion yuan, a decline of 6.3%, while net profit increased by 2.99% to 2.453 billion yuan, indicating a situation of profit growth without revenue increase [5][11]. - In the first three quarters of 2025, the bank's revenue fell to 4.277 billion yuan, down 8.73%, and net profit decreased by 17.08% to 1.865 billion yuan, reflecting significant operational pressures [5][11]. - Capital adequacy ratios have also declined, with the core tier one capital ratio and tier one capital ratio both at 12.51%, and the overall capital adequacy ratio at 15.04%, indicating potential challenges for future business expansion [5][11].

来源：密探财经（ID：Spy Finance） 刚刚，"千亿城商行"新疆银行一家主要股东出现重大异动，引起金融圈的高度关注。 据公告预披露显示，新疆银行5亿股拟对外挂牌"清仓"，占该银行总股本的6.32%，转让方是实力央企背 景的中国铁建投资集团有限公司。 新疆银行成立于2016年底，注册及实缴资本超79亿元，前三大股东分别是并列第一且持股均为17.39% 的新疆国资投资经营有限公司、新新疆生产建设兵团投资有限公司、持股12.65%的新疆天山农商银 行。 此外，新疆银行第四大股东是持股6.32%的中国铁建投资集团有限公司，第五大股东是持股4.43%的新 疆生产建设兵团第七师国资投资运营集团有限公司。 | | The State of the state of the states | | | 平江: 力胶,98 | | --- | --- | --- | --- | --- | | 序号 | 股东名称 | 出资金额 | 持有股数 | 持股比例 | | | | (2770) | (万股) | (%) | | 1 | 新疆维吾尔自治区国有资产投资经营有限责任公司 | 145,000 | 137,500 | 17. ...

Core Viewpoint - Hangzhou United Rural Commercial Bank is facing significant challenges in its IPO process, primarily due to regulatory approvals and compliance issues, despite having met financial thresholds for listing [2][3][4]. Group 1: IPO Progress and Challenges - The bank's IPO is hindered by two main issues: the lack of approval from the Zhejiang provincial state-owned assets regulatory authority regarding the state-owned equity structure, and the need for listing approval and regulatory opinions from industry regulators [2][3]. - Since the second round of IPO guidance began in February 2023, the bank has experienced leadership changes, frequent penalties, and performance pressures, complicating its path to listing [2][3][4]. - The bank's total assets are approaching 600 billion yuan, making the IPO not just a financing tool but also a critical opportunity for modern corporate governance transformation [4]. Group 2: Leadership Changes and Compliance Issues - In April 2023, Lin Shiyi was appointed as the bank's chairman, following the resignation of the previous chairman, Zhang Hailin, which was seen as a pivotal move for the IPO process [4][5]. - Under Lin's leadership, the bank has faced multiple compliance issues, with significant fines imposed on both the bank and its affiliated rural banks for various violations, indicating internal control weaknesses [5][6][7]. Group 3: Financial Performance - As of the end of September 2025, the bank reported total assets of 596.12 billion yuan, a 6.8% increase from the beginning of the year, with total loans exceeding 380 billion yuan and deposits nearing 450 billion yuan [8]. - The bank's net interest margin has been declining, from 2.59% at the end of 2022 to 1.71% by the end of 2024, which is below the average of 1.73% for national rural commercial banks, reflecting pressure on asset yields [8][9]. - The bank achieved an operating income of 11.54 billion yuan in 2024, a year-on-year increase of 3.1%, and a net profit of 4.62 billion yuan, up 6.04%, demonstrating resilience in profitability [8]. Group 4: Future Outlook - The new chairman's regulatory background and industry experience are seen as valuable assets for overcoming the challenges faced in the IPO journey [10]. - Balancing growth with quality and scale with efficiency remains a critical challenge for the bank moving forward [10].

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].

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].