中经记者 郭建杭 北京报道 近日，证监会官网集中披露多家证券公司提交的银行上市辅导进展工作报告（以下简称"辅导报告"）， 其中，法律纠纷、资本充足率以及股权结构等问题受到辅导机构的关注。 中信证券发布的成都农商行上市辅导进展报告第12期显示，目前，公司在开展信贷等业务的过程中为维 护自身合法权益发生了一些尚未审理完结的法律纠纷，此类诉讼通常因公司试图清收借款人的违约欠款 而形成，对公司正常经营不构成重大影响。 值得注意的是，多家银行的辅导报告中提及的问题均不是首次出现，此前已被多次提及。 例如，汉口银行2025年12月12日公布的上市辅导工作进展报告第63期提及，未来随着银行业务的进一步 发展，资本持续消耗，汉口银行资本补充渠道相对有限。在此之前的辅导报告中也提到，汉口银行面临 资本补充压力的问题；以及东方证券发布的如皋农商行的IPO辅导工作进展情况报告（第28期）中指 出，其股权结构中存在一定比例的质押与冻结问题。而在此之前的辅导报告中也指出，如皋农商行面临 历史遗留的股权代持，以及股权质押与冻结风险的问题。 筑牢合规基础 为什么在银行上市辅导进程中有一些长期悬而未决的问题难以得到解决？博通咨询首席分析师王 ...

Core Viewpoint - Zhejiang Mintai Commercial Bank faces significant compliance issues highlighted by a recent fine of 7.15 million yuan due to multiple violations across its core business operations, raising concerns about its internal control systems and overall governance [1][2][4]. Compliance Issues - The Shanghai Financial Regulatory Bureau imposed a fine of 7.15 million yuan on Mintai Bank's Shanghai branch for ten violations, indicating serious lapses in its business operations [2][3]. - Specific violations include improper deposit collection through third parties, inadequate post-loan management for working capital loans, and inaccurate classification of loans, reflecting systemic weaknesses in compliance and risk management [3][4]. Financial Performance - Despite maintaining revenue growth, Mintai Bank's net profit has declined, with a year-on-year drop of over 14% expected in 2024. Revenue figures for 2022, 2023, and 2024 were 6.22 billion yuan, 6.70 billion yuan, and 7.21 billion yuan respectively, while net profits were 1.23 billion yuan, 1.34 billion yuan, and 1.15 billion yuan [8]. - As of the end of Q3 2025, the bank's total assets reached 321.45 billion yuan, showing growth from 312.78 billion yuan at the end of 2024 [8]. Governance and Capital Structure - The introduction of state-owned capital is seen as a potential solution to Mintai Bank's governance and compliance challenges, with recent capital increases aimed at enhancing its capital adequacy ratio and supporting its small and micro-financial services [5][6]. - The bank's registered capital increased from 4.607 billion yuan to 5.697 billion yuan, with significant stakes acquired by local state-owned enterprises [5][6]. Strategic Recommendations - Experts suggest that Mintai Bank should align its risk control capabilities with its growth strategies, incorporating compliance costs into its budget and enhancing internal governance mechanisms [9]. - The bank is encouraged to accelerate its digital transformation, focusing on local small and micro-business needs, and diversifying its income sources through supply chain finance and other light-capital businesses [9]. Industry Context - The banking sector is experiencing a "Matthew Effect," where larger banks and innovative institutions thrive while smaller regional banks face significant operational pressures due to limited capital and technological capabilities [9].

原董事长刚获刑不久，旗下支行再踩红线。 高层腐败落马与基层违规操作接连曝光，叠加年内频繁的人事变动，这家背负着区域金融使命的省级法 人银行，将如何破除长期以来的合规难题引发市场关注。 涉"贷款业务违规"多次被罚 12月8日，据遵义金融监管分局行政处罚信息公开表显示，贵州银行遵义播州支行在经营过程中存在违 规存贷挂钩行为，被处以罚款30万元。同时，时任该支行行长杨晓因对违规行为负有直接责任，被处以 禁止终身从事银行业工作。 对此，有业内人士告诉记者，"存贷挂钩"通常是指银行把"吸收存款"作为发放贷款的前提条件。这种操 作存在多重潜在风险：一方面，以此方式留存的存款稳定性极差，一旦企业遭遇资金周转困境或市场环 境波动，便可能无法维持足额存款余额，直接导致银行存款流失；另一方面，企业为满足贷款前提需额 外承担存款相关成本，融资压力陡增，可能进一步影响其生产经营效率与还款能力，最终推高银行不良 贷款风险。 事实上，监管层早已明令禁止此类行为，早在2012年下发的《关于整治银行业金融机构不规范经营的通 知》中就已明确要求，银行业金融机构需严格分离贷款业务与存款业务，不得以存款作为贷款审批和发 放的前置条件。 值得关注的 ...

Core Viewpoint - The People's Bank of China has imposed significant penalties on Beijing Bank for multiple violations, totaling over 40 million yuan, highlighting serious compliance issues within the bank's operations [1][2][3]. Summary by Category Regulatory Actions - Beijing Bank was penalized for nine violations, including breaches of account management, anti-money laundering regulations, and customer identity verification [2][3]. - The total fines included the confiscation of illegal gains amounting to 1,886.3 yuan and a fine of 25.2685 million yuan [1][2]. Compliance Issues - The violations indicate systemic weaknesses in key areas such as payment settlement, anti-money laundering, and credit information management [2][3]. - A total of 11 responsible personnel from various core departments were also fined, reflecting the widespread nature of the compliance failures [1][2]. Financial Performance - In Q1 2025, Beijing Bank reported a revenue of 17.127 billion yuan, a year-on-year decrease of 3.18%, marking the first quarterly negative growth in 12 years [3][5]. - The bank's total assets reached 4.75 trillion yuan, but growth has slowed, with a revenue decline of 1.08% in the first three quarters of 2025 [3][5]. Competitive Position - As of June 2025, Beijing Bank's asset scale of 4.75 trillion yuan was surpassed by Jiangsu Bank's 4.79 trillion yuan, indicating increasing competitive pressure [5]. - The bank's core Tier 1 capital adequacy ratio has been declining, from 9.54% in 2022 to 8.95% in 2024 [5].