来源：21世纪经济报道 自2022年兰州银行上市后，A股银行板块已逾两年未见"新面孔"，中小银行上市进程明显放缓。尽管如此，银行上市"预备役"队伍依旧庞大， 目前仍有15家银行处于上市辅导备案期。 根据监管要求，10月以来，北京农商银行、桂林银行、天津银行、福建海峡银行等14家拟上市银行，密集披露了最新一份的辅导工作进展报 告。 南方财经记者梳理发现，这些银行的共性问题集中在资产权属规范、股权管理优化、资本补充三大领域，且多数问题属于"老生常谈"，在此前 多轮辅导中反复被提及。 业内人士指出，注册制背景下，监管对信息披露的真实性、准确性、完整性要求持续提升，中小银行早期发展中积累的制度性缺位等问题被进 一步放大。即便完成当前阶段整改，这些机构仍需跨越材料申报、监管反馈等多重关卡，才能正式步入IPO"排队候场"队列。 图片来源：图虫 资产权属瑕疵屡被提及 具体来看，资产权属问题是各家银行较为普遍的共性问题。甘肃银行、温州银行、福建海峡银行、桂林银行等机构均在上市辅导文件明确披露 有关瑕疵，且部分银行的整改周期超过两年。 进一步梳理发现，主要分为两类情形：一是银行自有资产瑕疵，部分自有房产、土地未办理产权证，或存 ...

自2022年兰州银行（001227）上市后，A股银行板块已逾两年未见"新面孔"，中小银行上市进程明显放缓。尽管如此，银行上 市"预备役"队伍依旧庞大，目前仍有15家银行处于上市辅导备案期。 根据监管要求，10月以来，北京农商银行、桂林银行、天津银行、福建海峡银行等14家拟上市银行，密集披露了最新一份的辅 导工作进展报告。 南方财经记者梳理发现，这些银行的共性问题集中在资产权属规范、股权管理优化、资本补充三大领域，且多数问题属于"老生 常谈"，在此前多轮辅导中反复被提及。 业内人士指出，注册制背景下，监管对信息披露的真实性、准确性、完整性要求持续提升，中小银行早期发展中积累的制度性 缺位等问题被进一步放大。即便完成当前阶段整改，这些机构仍需跨越材料申报、监管反馈等多重关卡，才能正式步入IPO"排 队候场"队列。 | 银行名称 | 辅导机构 | 备案日期 | 截至2024年末资产 | | --- | --- | --- | --- | | | | | 规模(亿元) | | 汉口银行 | 国泰海通 | 2010年12月 | 5,545.85 | | 天津银行 | 中信证券、中银国际 | 2015年10月 | 9,2 ...

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].