在阿里司法拍卖平台，山东寿光农村商业银行股份有限公司的1700多万股股权于近日结束拍卖，当地一 家国资企业竞拍成功，成交价即为起拍价。此次拍卖是这笔股权的第二次拍卖，起拍价较第一次时直降 330多万元，对比评估价相当于打了七折。恒丰银行超3亿股股份近日进行了第二次拍卖，起拍价较第一 次时下降5000多万元，较评估价下浮44%，但最终以流拍告终。 近期，银行股权频频现身阿里、京东等网络拍卖平台。从结果来看，被摆上拍卖台后无人问津的情况比 比皆是，而那些拍卖成功的案例，起拍价、成交价较评估价打折的现象普遍存在。分析人士认为，接盘 者稀缺的原因复杂多元：既涉及非上市银行股权流动性欠佳、投资退出渠道狭窄，以及部分股权拍卖对 竞拍者资质设有门槛；更深层次上，股权拍卖所暴露的银行自身在资产质量和经营状况方面的问题，更 是让投资者望而却步的关键。此类现象不仅反映了市场对银行资产的审慎评估，也折射出银行业生态与 竞争格局的深刻变迁。在此背景下，地方中小银行亟须重新审视并精准定位发展路径，切实增强可持续 发展能力。 ● 本报记者 薛瑾 多家银行大额股权寻求拍卖 12月3日至4日，寿光农商行1765.24万股股权在阿里司法拍卖平 ...

Core Insights - The auction of small and medium-sized bank shares in China is facing significant challenges, with many instances of no bidders and unsold shares, reflecting a lack of buyer interest in this segment [1][3][4] - Successful auctions often result in prices significantly below the assessed value, indicating a trend of low-price sales [2][3] - The difficulties in transferring shares of small and medium-sized banks highlight changes in the banking industry's market ecology and competitive landscape [4][5] Group 1: Auction Trends - Recent auctions for bank shares have seen a common occurrence of zero bidders, with examples including shares from Xiamen Rural Commercial Bank and Dengfeng Rural Commercial Bank [3] - The successful auction of shares from Zhejiang Shengzhou Rural Commercial Bank was notable, as it sold for 72% of the assessed value, indicating cautious buyer sentiment [2][3] - The overall trend shows that many bank shares are being sold at significant discounts, with some auctions resulting in prices around 70% of their assessed values [2][3] Group 2: Market Dynamics - Analysts attribute the lack of interest in small and medium-sized bank shares to several factors, including tight liquidity, poor asset quality, and increased regulatory scrutiny [3][4] - The competitive landscape for small and medium-sized banks is changing, with larger banks and fintech companies encroaching on their traditional markets [4][5] - Experts suggest that small and medium-sized banks need to focus on local markets and enhance their digital capabilities to survive in the evolving financial ecosystem [4][5]