Core Viewpoint - Recent credit rating adjustments for small and medium-sized banks indicate a positive trend, with 9 banks receiving upgrades due to regional economic development and capital strengthening efforts [2][4]. Group 1: Rating Upgrades - A total of 9 small and medium-sized banks have had their credit ratings upgraded in the last two months, including 7 city commercial banks and 2 larger rural commercial banks [2]. - The upgrades are attributed to benefits from regional economic growth, risk management reforms, and strengthened capital positions [2][4]. - Notable banks that received upgrades include Hangzhou Yuhang Rural Commercial Bank, Fudian Bank, and Rizhao Bank, with ratings raised to AAA [5]. Group 2: Capital Increases and Government Support - Capital strength and local government support are critical factors in the rating process, with many banks completing significant capital increases and receiving investments from local state-owned enterprises [4][6]. - For instance, Hankou Bank completed a targeted fundraising of 874 million shares, increasing the proportion of state-owned shares to 68.49% [6]. - The optimization of ownership structures through increased state ownership enhances corporate governance and risk resilience [5][7]. Group 3: Operational Improvements - The rating upgrades reflect systematic improvements in operational quality, risk management, and strategic transformation among small and medium-sized banks [9]. - Longjiang Commercial Bank's rating was upgraded due to favorable external operating conditions, strong loan and deposit growth, and high asset quality [9]. - Yuhang Rural Commercial Bank's rating was raised to AAA, supported by its leading market position and solid customer base [9][10]. Group 4: Rating Downgrades - In contrast, 4 rural commercial banks experienced downgrades due to loan risk exposure, insufficient provisions, and weakened profitability [12][13]. - The downgrades highlight ongoing challenges in the sector, although the frequency of downgrades has decreased in recent years due to reforms and consolidation efforts [13][14].

中小银行最新评级结果陆续出炉。 券商中国记者注意到，最近两个月内，已有合计9家中小银行主体信用评级获上调，其中包括7家城商行，以及2家资产规模靠前的农商行。 就评级上调原因看，前述银行普遍受益于区域经济发展，通过改革化险、强化资本实力等举措赢得评级认可。多家银行还完成大规模增资扩股，并获地方国资增 持。 与此同时，年内合计4家小型农商行主体评级被下调，另有多家中小银行评级报告延迟披露，均为年报未公布，但具体原因各不相同。 按照要求，有债券存续的商业银行，评级机构应当每年至少向市场公布一次定期跟踪评级报告，且应在其年报发布截止日期3个月内出具。 增资、增持的作用 在对中小银行评级 的 过程中，资本实力与地方政府支持力度往往被评级机构纳入重要考量。 在9家获上调评级的银行中，汉口银行、秦皇岛银行均在去年完成增资，日照银行以利润转增股本推动实收资本增加4.5亿元，武汉农商行则在去年底获批定向募股 不超过7.71亿股。 | | | 今年以来主体评级获上调的银行 | | | | | --- | --- | --- | --- | --- | --- | | 银行名称 | 评级机构 | 评级调整日 | 最新主体评级 | ...