屡次出现同类违规，恒丰银行又被监管开出大额罚单！ 近日，国家金融监管总局披露，恒丰银行重庆分行因掩盖不良贷款等多项违法违规行为，被处以罚款260万元，同时3位 责任人遭到警告处罚。值得注意的是，这也是年内恒丰银行被开出的第三张百万元以上的大额罚单。据监管罚单统计， 年内恒丰银行因反洗钱业务、信贷业务等多项违规已合计被罚1755.68万元。 近年来，恒丰银行资产质量承压，不良贷款率在股份行中明显偏高，该行还通过大规模公开挂牌转让或转让给控股股东 的方式，急于处置不良包袱。另一方面，该行对资本金的渴求也十分明显，除了多次发行二级资本债补充资本外，近期 还再次筹划增资扩股，试图缓解核心资本充足率快速下行造成的拖累。 事实上，截至2024年末，该行历史遗留问题带来的未弥补亏损仍然居高不下，未分配利润仍多达-274.01亿元，这也是该 行2024年提出"全面启动上市"以来，所面临的诸多考验之一。 信贷业务屡次违规被罚 8月20日，据重庆金融监管局披露，恒丰银行重庆分行因涉及掩盖不良贷款，投资管理不到位，贷款"三查"不尽职三项违 法违规行为，合计被罚款共计260万元。 事实上，仅从被罚款金额来看，恒丰银行2025年以来被 ...

8月12日，新疆金融监管局发布批复显示，监管已核准李新生乌鲁木齐银行行长的任职资格。 前任行长在任仅半年 据当地媒体新疆网报道，4月30日，乌鲁木齐银行振华街支行开业，彼时，李新生以乌鲁木齐银行党委副书记身份出席开业仪 式并致辞。在该行4月28日举行的2024年度股东大会上，该行刚审议了选举李新生为董事的相关议案。 值得一提的是，乌鲁木齐银行此次行长"上新"，人选并不是此前代为履行行长职责的副行长方炜钏。此外，在乌鲁木齐银行 2024年年报中，李新生也并未出现在高管行列。 | 姓名 | 职务 | 任职状态 | 性别 | 年龄 | | 任职起始时间任期终止日期年初持股 年末持股 | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 刘亚东 | 党委副书记、行长 | 离任 | 男 | ਟੇਰੇ | 2018年12月 | 2024年6月 | - | | | 王辉 | 党委副书记、行长 | 现任 | 男 | 52 | 2024 年 11 月 | - | - | | | 梁 波 | 党委委员、副行长 (援疆) | 现任 | ਜੇਤੇ | 47 | ...

Core Viewpoint - The listing progress of Guangfa Bank has been stagnant for years, with no substantial advancements despite its strong qualifications as a national systemic important bank. The bank's internal discussions have shifted away from the topic of listing, reflecting a broader trend of stagnation in bank IPOs in recent years [1][5][21]. Group 1: Listing History and Challenges - Guangfa Bank has been planning to go public since 2009, but its journey has faced numerous setbacks, including halted and terminated listing guidance, and changes in major shareholders from Citigroup to China Life [1][5]. - The bank's listing ambitions have diminished in recent years, with no mention of IPO plans in its 2023 and 2024 annual reports, indicating a lack of independent listing preparation departments [1][5]. - The bank's internal sources attribute the stagnation to a combination of external factors, such as a low probability of A-share listings, and internal issues like unstable performance and governance challenges [1][5]. Group 2: Market Context and Comparisons - The period from 2006 to 2016 was considered a "golden period" for bank listings, with high revenue growth and initial public offering (IPO) price-to-book ratios exceeding 1, while recent years have seen a decline in bank valuations [5][6]. - Currently, there are 42 banks listed in A-shares and 33 in Hong Kong, with only 60 commercial banks having successfully gone public, highlighting the competitive and challenging nature of the market [6][8]. - The bank's asset scale has lagged behind peers, with its total assets in 2024 being only 30% of those of China Merchants Bank, indicating a widening gap due to missed listing opportunities [21][26]. Group 3: Financial Performance and Strategic Shifts - Guangfa Bank's financial performance has shown signs of decline, with a 14% drop in revenue and net profit from their peak values in 2020 and 2021, respectively [21][23]. - The bank's total assets reached 3.6 trillion yuan by the end of 2024, positioning it as a significant player among unlisted banks, yet it still faces challenges in capital adequacy and market positioning [28]. - China Life's acquisition of a controlling stake in Guangfa Bank has led to strategic shifts, emphasizing collaboration with insurance services and state-owned enterprises, but the complexity of shareholder interests remains a challenge for future listing efforts [19][20].

● 本报记者 吴杨 日前，如皋农商银行发布第26期上市辅导工作进展情况报告，将其股权质押冻结、股权代持等问题再次 置于聚光灯下。中国证券报记者梳理发现，今年以来，多家券商披露了银行上市辅导工作进展报告，持 股比例不合规、资产确权待加强等问题成为不少银行冲刺IPO过程中遇到的路障。 目前15家银行处于上市辅导备案期，有的银行已备案14年有余，发布61期辅导报告。业内人士表示，一 些银行谋求上市的意愿强烈，理清股权关系、跨越合规门槛，将成为决定其能否成功上市的关键环节。 如皋农商银行更新上市辅导进展 如皋农商银行披露的首次公开发行股票（A股）并上市辅导工作进展情况报告（第二十六期）显示，在 2025年4月14日至7月9日的辅导期内，东方证券会同其他中介机构对该行进行了持续的尽职调查，同时 通过组织自学和专业咨询等方式对其进行了上市辅导。 报告认为，如皋农商银行目前可能存在股权代持、股权质押冻结等问题。截至6月30日，该行存在质押 情况的股份数量为1.70亿股，占股份总额的15.15%，存在司法冻结情况的股份数量为1.35亿股，占股份 总额的12%。 5家银行候场A股IPO 今年1月，宜宾银行在港上市，成为继202 ...

"围墙"之外，中小银行急欲抢滩A股市场；"围墙"之内，已有上市行拟申请退市。 7月3日，九台农商行宣布，中金公司将代表吉林金控就收购所有已发行H股作出自愿有条件 全面现金要约，H股要约价为每股H股0.7港元；吉林金控将就收购所有已发行内资股作出自 愿有条件全面现金要约，内资股要约价为每股内资股0.63元。待H股要约成为无条件后，该 行将根据上市规则申请退市。 然而，在该行拟申请退市的同时，多家中小银行仍在积极寻求上市，近日更有东莞银行、广 东南海农商行因更新提交相关财务资料，IPO审核状态恢复为"已受理"。 "围墙"之内：九台农商行拟退市， 预计去年净亏17-19亿 7月3日晚，九台农商行公告显示，吉林金控与该行联合宣布，中金公司将代表吉林金控就收 购所有已发行H股作出自愿有条件全面现金要约，H股要约价为每股H股0.7港元，较最后交 易日于联交所所报收市价每股H股0.41港元溢价约70.73%；吉林金控将就收购所有已发行内 资股作出自愿有条件全面现金要约，内资股要约价为每股内资股人民币0.63元。 公告披露，待H股要约成为无条件（其中包括股东于临时股东大会上批准退市及独立H股股 东于H股类别股东大会上批准退市 ...

● 本报记者 吴杨 顺德农商银行并非是今年以来首家撤回上市申请文件的银行。今年1月，广州银行撤回上市申请文件。 而在2024年，亳州药都农商银行、江苏海安农商银行、安徽马鞍山农商银行陆续撤回上市申请文件。 今年1月，宜宾银行在港上市，成为继2021年9月东莞农商银行之后的又一家成功赴港上市的中小银行。 而A股市场自2022年1月兰州银行上市后，至今未见新的上市银行身影。 近日，因顺德农商银行及其保荐人提交撤回发行上市申请文件，深交所决定终止对该行首次公开发行股 票并在主板上市审核。 继今年1月广州银行之后，顺德农商银行成为2025年以来第二家撤回上市申请文件的银行。目前，沪深 两市主板IPO排队序列中还有5家银行。业内人士表示，接下来，中小银行或通过多元化路径补充资 本。 撤单再现 顺德农商银行相关人士对中国证券报记者表示："我行鉴于战略规划优化需要，经审慎评估后决定暂缓 上市进程。" 顺德农商银行备战上市长达8年之久。早在2017年，顺德农商银行召开临时股东大会，审议通过了关于 A股上市的一系列议案，包括申请首次公开发行人民币普通股（A股）股票并上市的议案。2019年5月， 原广东银保监局同意顺德农商银行境 ...

Core Viewpoint - Dongguan Bank has updated its prospectus after a 17-year wait for an IPO, with its review status changing from "suspended" to "accepted" [1][5] Financial Performance - Dongguan Bank's total assets reached 672.73 billion yuan by the end of 2024 [2] - The bank's operating revenue for 2024 was 10.197 billion yuan, down from 10.587 billion yuan in 2023, marking a decrease of 3.90 million yuan [2][3] - The net profit for 2024 was 3.503 billion yuan, a decline of 3.33 billion yuan compared to 2023's 3.765 billion yuan [2][3] Compliance and Regulatory Issues - Over the past three years, Dongguan Bank and its subsidiaries received 14 regulatory fines totaling 11.7553 million yuan [3] - In 2024, the bank faced fines of 2.1 million yuan due to violations related to loan business and risk classification [4] - The bank's non-performing loan ratio increased to 1.01% in 2024, up from 0.93% in the previous two years [3] Management Compensation - The chairman and president of Dongguan Bank received salaries of 1.8939 million yuan and 1.7421 million yuan, respectively, in 2024 [3]

传言落地！ 7月4日晚间，因广东顺德农商行及其保荐人提交撤回发行上市申请文件，深交所决定终止对该行首次公开发行 股票并在主板上市审核。 券商中国记者获悉，此次撤回IPO申请系该行战略规划调整，未来将根据市场环境择机重启。同时，该行暂无 H股上市的计划。 至此，自2023年3月排队IPO"换道"注册制审核以来，已有6家中小银行撤回上市申请，排队的银行仅剩5家。 排队六年，主动撤单 早在2017年7月，顺德农商行即召开股东大会，审议并通过了关于A股上市的一系列议案。 2019年，该行上市进程不断提速：5月23日，其A股上市申请获广东银保监局批复同意；6月下旬，该行上市申 请材料被证监会接收并获受理，正式加入A股上市排队序列。 彼时招股书显示，顺德农商行接受中金公司保荐，计划登陆深交所，发行不超过16.94亿股股份（占发行后总 股本的25%）。 2023年3月，该行A股IPO"换道"注册制审核，其上市申请获得深交所受理。此后，因招股书财务资料过期，其 审核状态数次在"中止"和"已受理"之间切换。 今年6月30日，同样计划在深交所上市的东莞银行、广东南海农商行均完成财务资料更新，上市审核状态由"中 止"变更为"已受理 ...

Core Viewpoint - The number of small and medium-sized banks withdrawing their IPO applications is increasing, reflecting a strategic adjustment in response to the current regulatory and market environment [1][3][4]. Group 1: IPO Withdrawal Trends - Six small and medium-sized banks have withdrawn their IPO applications since the transition to the registration system in March 2023, including Guangzhou Bank and Shunde Rural Commercial Bank [1][3]. - The number of banks still in the IPO queue has decreased to five, with only one bank in the "inquired" status [2]. Group 2: Market Conditions and Regulatory Environment - The banking sector has entered a prolonged "window period" for A-share IPOs, with no new listings since January 2022 [2]. - The China Securities Regulatory Commission (CSRC) has indicated a "phased tightening" of the IPO pace, prioritizing technology companies over traditional banks for financing [3]. Group 3: Financial Performance and Strategic Adjustments - The banking industry is facing a low interest rate, low spread, and low profitability environment, with the net interest margin dropping to 1.43% in Q1 2023 [4]. - Banks are encouraged to enhance corporate governance and adopt differentiated operations based on regional economic characteristics to improve stability and performance [4][5]. Group 4: Future Outlook - The withdrawal of IPO applications is seen as a strategic adjustment rather than a complete exit from the capital market, with banks planning to resume their IPO efforts when market conditions improve [5].

Core Viewpoint - The approval of Bai Yushi as the president of Hengfeng Bank marks a significant leadership change after nearly three years of vacancy in the position, with a focus on enhancing the bank's competitiveness and preparing for a potential IPO [6][9][10] Group 1: Leadership Appointment - Bai Yushi, born in October 1982, has been approved by the National Financial Regulatory Administration as the president and director of Hengfeng Bank [6][5] - Bai joined Hengfeng Bank in July 2015 and has held various positions, including vice president and assistant general manager [8] - The approval requires Bai to assume office within three months and emphasizes the importance of compliance and risk awareness [6][10] Group 2: Bank Background and Structure - Hengfeng Bank is one of the 12 national joint-stock commercial banks in China, with a registered capital of 111.2 billion yuan, ranking fifth in the banking industry [9] - The bank's ownership structure consists of approximately 89.7% state-owned shares, 3% foreign shares, and 7.3% private shares [9] - The previous president, Wang Xifeng, resigned in August 2022, leading to a prolonged vacancy in the role [9] Group 3: Financial Performance - In 2024, Hengfeng Bank reported an operating income of 25.775 billion yuan, a year-on-year increase of 1.98%, and a net profit of 5.357 billion yuan, up 4.3% [10] - As of the end of 2024, the bank's total assets amounted to 1.54 trillion yuan, with total deposits and loans both at 860 billion yuan [10] - The non-performing loan balance stood at 12.873 billion yuan, with a non-performing loan ratio of 1.49% [10] Group 4: Strategic Goals - Hengfeng Bank aims to become a first-class joint-stock bank, with a strategic plan to meet IPO conditions within three years and improve profitability within five years [10] - The bank has previously attempted to go public but faced setbacks due to leadership issues [10] - The new president's appointment is expected to accelerate the bank's preparations for an IPO and enhance its competitive positioning [10]