来源：华夏时报 资本充足水平下滑，长安银行通过增资扩股来"解渴"。 近日，国家金融监管局发布批复，同意长安银行增资扩股，募集股份不超过26.11亿股，募集资金全部 用于补充核心一级资本。 今年年内，长安银行资本充足率下滑明显。相关报告显示，三季度该行核心一级资本充足率8.23%，较 上年末下滑0.92个百分点。虽符合监管标准，但低于行业平均水平。与此同时，2024年该行贷款增速提 高，资产质量有所下行。 12月9日，《华夏时报》记者就资本充足率下降及资产质量控制的相关问题采访了长安银行，截至发稿 暂未收到回复。 26.11亿股增资扩股获批 长安银行成立于2009年7月29日，是由宝鸡市商业银行、咸阳市商业银行和渭南城市信用社、汉中城市 信用社、榆林城市信用社等五家金融机构，引入陕西延长集团、陕西煤业集团、陕西有色集团等战略投 资者，以新设合并方式组建，是陕西省第一家省级法人股份制商业银行。 自成立以来，长安银行进行多次增资扩股，其注册资本金已从最初的30亿元增至75.77亿元，当前前三 大股东陕西延长集团持股19.04%，陕西煤业集团持股18.71%，陕西有色集团持股11.22%。 陕西金融监管局在相关批复中 ...

【 导读 】 建设银行官宣，注册资本获批增至 2616 亿元 中国基金报记者 嘉合 12 月 9 日，建设银行发布公告称，该行于 2025 年 6 月完成向特定对象发行约 115.89 亿 股 A 股股票，注册资本由人民币 2500.11 亿元增加至人民币 2616 亿元。 建设银行表示，该行于近日收到国家金融监督管理总局行政批复，同意该行注册资本增加 115.89 亿元人民币，由 2500.11 亿元增加至人民币 2616 亿元。 这也标志着，建设银行此前定向增发的 115.89 亿股 A 股股票正式完成资本登记程序，同时 也是四大国有银行中率先完成资本登记的商业银行。 据悉，今年政府工作报告明确提出，拟发行特别国债 5000 亿元，支持国有大型银行补充资 本。同时，在 3 月 30 日，中国银行、建设银行、交通银行、邮储银行相继发布公告称，董 事会已通过了向特定对象发行 A 股股票的议案，四家银行合计募集资金不超过 5200 亿元。 具体来看，中国银行拟募集资金规模不超过 1650 亿元，建设银行拟募集资金规模不超过 1050 亿元，两者发行对象均为财政部；交通银行拟募集资金规模不超过 1200 亿元，发 ...

【导读】建设银行官宣，注册资本获批增至2616亿元 12月9日，建设银行（601939）发布公告称，该行于2025年6月完成向特定对象发行约115.89亿股A股股票，注册资本由人民币2500.11亿元增加至人民币 2616亿元。 建设银行表示，该行于近日收到国家金融监督管理总局行政批复，同意该行注册资本增加115.89亿元人民币，由2500.11亿元增加至人民币2616亿元。 这也标志着，建设银行此前定向增发的115.89亿股A股股票正式完成资本登记程序，同时也是四大国有银行中率先完成资本登记的商业银行。 简单来说，资本就像银行的"自有血库"，资本越充足，银行在遭遇不良贷款、市场波动等冲击时，就越有底气渡过难关，保护存款人和投资者的利益。 银河证券认为，增资后，国有大行的风险抵御和信贷投放能力将进一步增强。当前，全球政治经济面临不确定性，增资落地有利于保持我国金融系统稳定 性，有望配合"两重""两新"等扩内需增量政策落实，并结合未来科技、消费、外贸等重点领域优化结构性货币政策工具，加大相关领域信贷投放力度，助 力金融"五篇大文章"建设。 从最新财报数据来看，截至2025年三季度末，建设银行、中国银行、交通银行 ...

年末将至，中小银行资本补充进入"冲刺期"，增资扩股、定向募股成为主流"补血"方式，新一轮资本补充潮正加速袭来。 12月8日，苏州银行发布公告称，该行于当日收到大股东苏州国际发展集团有限公司（以下简称"国发集团"）出具的《关于权益变动的告知 函》。 公告显示，国发集团及其一致行动人东吴证券股份有限公司于2025年7月1日至2025年12月5日期间通过深圳证券交易所交易系统集中竞价交易 合计增持苏州银行股份4470.6654万股，占总股本的1.00%。 12月4日，湖南银行增资扩股工作正式收官的消息也引发了行业关注。湖南银行发布的公告显示，该行于近日收到湖南金融监管局批复，批准 该行增加注册资本10亿元人民币。 记者查询天眼查工商信息发现，目前，湖南银行已经发生工商变更，注册资本由约77.5亿元人民币增至约87.5亿元人民币，增幅近13%。 此次增资的"含金量"颇高。据湖南银行透露，该行本次向9家特定对象发行10亿股普通股，共募集资金人民币40.1亿元，扣除发行费用后，募 集资金净额为人民币40.09亿元。其中，计入实收股本人民币10亿元，计入资本公积人民币30.09亿元。在本次增资完成后，该行资本充足率将 提升 ...

Core Viewpoint - Chang'an Bank's capital increase and share expansion plan has been approved, aiming to raise no more than 2.611 billion shares to supplement its core tier one capital [2][4]. Group 1: Capital Increase and Regulatory Approval - The approval from the Shaanxi Regulatory Bureau of the National Financial Supervision Administration mandates Chang'an Bank to strictly review shareholder qualifications and ensure that the funds for share acquisition are from legitimate self-owned sources [2][4]. - After the funds are raised, Chang'an Bank is required to promptly apply for changes in registered capital and comply with relevant laws and regulations [4]. Group 2: Financial Performance - As of mid-2023, Chang'an Bank reported total assets of 577.131 billion, a 6.42% increase from the end of the previous year [4]. - The bank achieved a revenue of 4.861 billion, representing an 8.56% year-on-year growth, and a net profit of 1.312 billion, up 9.22% year-on-year, primarily driven by a significant increase in investment income, which reached 1.167 billion [4]. Group 3: Asset Quality and Compliance Issues - The bank's non-performing loan balance increased to 5.987 billion from 5.366 billion at the end of 2023, with a non-performing loan ratio of 1.85% and a provision coverage ratio of 173.44% [4]. - Chang'an Bank has faced multiple penalties for business violations, including a fine of 4 million for breaching payment settlement management regulations and a fine of 540,000 for violating anti-money laundering regulations [5][6].

来源 ：证券之星 年末监管风暴再度席卷浙江稠州商业银行。近日，浙江证监局一纸责令改正通知书，直指其基金销售业 务四大违规行为，这已是该行年内第二次遭遇监管处罚。今年7月，稠州银行南京分行曾因转贴现、同 业业务违规领罚200万元。 证券之星注意到，合规问题之外，稠州银行业绩端也有不小压力，2025年前三季度，该行营收同比增长 12.25%至80.14亿元，净利润却仅微增1.09%至11.56亿元，第三季度单季净利润更是同比下滑17.2%。资 本充足率指标的隐忧则进一步放大了风险，尽管核心一级资本充足率8.92%暂时踩线达标，但资本补充 压力已迫在眉睫。 01． 涉四项问题遭监管处罚，合规漏洞持续暴露 12月1日，中国证券监督管理委员会浙江监管局网站发布《关于对浙江稠州商业银行股份有限公司采取 责令改正措施的决定》。 浙江证监局发现，浙江稠州商业银行存在部分从事基金销售业务人员未取得从业资格、部分基金宣传推 介材料、基金销售业务制度修订未经合规风控人员审查、为个别未进行风险测评的客户办理基金销售业 务以及未按规定报送反洗钱相关材料等四个方面问题。 具体来看，其一，部分基金销售人员无证上岗，直接触碰了金融销售的资质 ...

本报（chinatimes.net.cn）记者张萌 卢梦雪 北京报道 山西银行迎来重要人事调整。 12月1日，该行发布公告称，原行长李颖耀因工作需要、另有任用，不再担任行长职务。邢毅将接任行 长一职，其任职资格尚待监管机构核准。 同日，该行官网消息显示，山西银行首任行长任凯以党委书记身份出席相关会议，标志着这位"老将"的 再度回归。 截至2025年6月末，山西银行资产总额由上年末的3590.88亿元下滑至3501.97亿元，资本充足率进一步降 至10.51%，仅略高于监管要求的10.5%红线。新一届领导班子甫一上任，即面临多重挑战。 高层更迭 山西银行于2021年4月28日正式挂牌开业，由原大同银行、长治银行、晋城银行、晋中银行和阳泉市商 业银行以新设合并方式组建而成。成立之初，高计亮出任该行党委书记、董事长，任凯担任党委副书 记、副董事长、行长。 2024年5月17日，山西银行发布公告称，任凯不再担任行长职务，拟聘李颖耀为新任行长——这也是该 行成立以来的第二任行长。此后，任凯转任山西农商联合银行党委书记、董事长。 时隔一年半，山西银行行长再度更迭。 2025年12月1日，该行公告称，李颖耀因工作需要、另有 ...

Core Viewpoint - Chongqing Bank's recent equity changes reflect the optimization reform requirements from the Chongqing State-owned Assets Supervision and Administration Commission, with significant implications for its long-term strategic layout and brand development in the western financial sector [4][8]. Group 1: Equity Changes - On November 14, Chongqing Bank announced an equity change, with its largest shareholder, Chongqing Yufu Capital, reducing its stake from 23.45% to 21.93% following a series of announcements in August [4][6]. - The bank's stock price has shown a positive trend, with a year-to-date increase of 24.9%, closing at 11.12 yuan per share as of November 21 [10]. - The bank's recent equity adjustments are part of a broader trend of resource optimization among local state-owned enterprises in the financial sector [8]. Group 2: Financial Performance - As of September 30, 2025, Chongqing Bank's total assets reached 1,022.75 billion yuan, marking a 19.39% increase from the end of 2024 [11]. - The bank reported a revenue of 11.74 billion yuan and a net profit of 4.879 billion yuan for the third quarter of 2025, reflecting year-on-year growth of 10.4% and 10.19%, respectively [5][11]. - However, the bank faces challenges in its intermediary business, with net commission income decreasing by 27.6% year-on-year [11][13]. Group 3: Capital Adequacy - The bank's capital adequacy ratios have shown a decline, with the core tier one capital adequacy ratio dropping to 8.57%, approaching regulatory limits [14]. - The bank's capital structure has been under pressure, with a need for capital replenishment highlighted by the recent performance metrics [15]. Group 4: Regulatory Issues - Chongqing Bank was fined 2.2 million yuan for internal control and compliance issues, including inadequate loan due diligence and imprudent investment practices [15][20]. - The bank's non-performing loan ratio was reported at 1.14% as of the third quarter, with specific segments, such as retail credit, showing higher delinquency rates [17][19].

以下文章来源于一丰看金融 ，作者光大证券银行组 一丰看金融 . 分享经济金融领域大事小情，路边新闻 点击注册小程序 查看完整报告 特别申明： 本订阅号中所涉及的证券研究信息由光大证券研究所编写，仅面向光大证券专业投资者客户，用作新媒体形势下研究 信息和研究观点的沟通交流。非光大证券专业投资者客户，请勿订阅、接收或使用本订阅号中的任何信息。本订阅号 难以设置访问权限，若给您造成不便，敬请谅解。光大证券研究所不会因关注、收到或阅读本订阅号推送内容而视相 关人员为光大证券的客户。 报告摘要 事件： 商业银行1-3Q净息差为1.42%，较25H1持平，较去年同期下降11bp。分银行类型看，国有行、股份行、城 商行、农商行息差分别为1.31%、1.56%、1.37%、1.58%，股份行净息差较25H1略升1bp，其他类型银行 息差较25H1持平。 四、资产质量总体稳健，不良率较2Q末略升3bp，拨备覆盖率保持200%以上 不良率较上季末提升3bp至1.52%。25Q3末，商业银行不良贷款余额3.52万亿，较2Q末增加883亿；商业银 行不良贷款率为1.52%，较2Q末提升3bp；关注贷款率为2.2%，较2Q末提升3bp ...

Loan Distribution and Growth - As of September 2025, the company's loan and advance principal balance is CNY 2,604.71 billion, a growth of 6.15% compared to the beginning of the year [2] - New loans are primarily concentrated in the Lanzhou region, with key industries including manufacturing, technology enterprises, water conservancy construction, financial services, and wholesale retail [2] - Future support will focus on green credit, technology enterprises, new energy industries, and new infrastructure [2] Financial Investment Overview - The financial investment scale as of September 2025 is CNY 1,773.14 billion, with trading financial assets accounting for 21.53% (CNY 381.8 billion), debt investment financial assets at 47.62% (CNY 844.29 billion), and other debt investment financial assets at 30.85% (CNY 547.05 billion) [2] Net Interest Margin and Challenges - The net interest margin as of September 2025 is 1.38%, slightly below the average of A-share listed banks, primarily due to liability structure [3] - Measures to improve net interest margin include enhancing liability quality management and reducing high-cost deposits [3] - Short-term pressure on net interest margin is expected, but medium to long-term stabilization is anticipated [3] Middle Income and Support Strategies - The decline in middle income is largely due to regulatory impacts on self-operated wealth management fees and commissions, which account for about half of total middle income [3] - Future strategies will focus on expanding agency wealth management, credit card, and corporate business income to offset declines [3] Capital Adequacy and Support - The capital adequacy ratio as of September 2025 is 13.16%, an increase of 0.91 percentage points since the beginning of the year [3] - The company issued CNY 30 billion in secondary capital bonds in 2024 and CNY 50 billion in perpetual bonds in July 2025 to strengthen capital [3] Dividend Policy - The company emphasizes reasonable returns to investors, maintaining a consistent and stable profit distribution policy [3] - Since 2019, the cash dividend ratio has exceeded 30%, with cumulative cash dividends amounting to CNY 23.98 billion, representing 1.18 times the funds raised during the IPO, and a dividend yield of around 4% [3]