来源：中国基金报 日前，中融新大集团单独持有的山西银行约4.16亿股股权被公开拍卖。2024年，该行"增收不增利"，完 成4家高风险村镇银行的平稳改制。 中融新大持有山西银行股权被拍卖 12月11日，阿里司法拍卖平台显示，山西银行约4.16亿股股权将于2026年1月在该平台公开拍卖，起拍 价为4.17亿元。前述股权由中融新大集团有限公司单独持有，约占山西银行总股本的1.61%。 Wind数据显示，山西银行第一大股东为山西融金兴晋私募投资基金，持股比例为59.09%；山煤国际能 源集团、大同市经济建设投资集团、中国新大集团、山西聚源煤化分别持股7.33%、3.03%、1.61%、 1.07%。 当前，中小银行股权频被出售/拍卖。有银行业人士向中国基金报记者分析，一方面，银行经营和分红 情况不佳，股东会选择转让股权；另一方面，股东自身出现经营和偿贷问题，曾质押股权的会进入拍卖 程序。 2015年12月，中融新大集团买入晋城银行的股权；2021年4月，晋城银行参与新设合并组建山西银行， 其持有的晋城银行股权相应转化为山西银行股权。 2018年，中融新大集团旗下债券"闪崩"，债务问题不断恶化。随后公司进入破产重整程序 ...

Core Viewpoint - The shares of Shanxi Bank held by Zhongrong Xinda Group, amounting to approximately 416 million shares (1.61% of total shares), are set to be publicly auctioned with a starting price of 417 million yuan [4][6]. Group 1: Auction Details - The auction for the shares will take place on January 2026 on the Alibaba judicial auction platform [4]. - Zhongrong Xinda Group's stake in Shanxi Bank is part of a broader trend where shares of small and medium-sized banks are frequently sold or auctioned due to poor operational performance and shareholder financial issues [4][6]. Group 2: Financial Performance of Shanxi Bank - Shanxi Bank's revenue from 2021 to 2023 was 2.705 billion yuan, 3.096 billion yuan, and 3.149 billion yuan, respectively, while net profits were -4.673 billion yuan, 416 million yuan, and 931 million yuan [8]. - In 2024, Shanxi Bank achieved a revenue of 3.168 billion yuan, a year-on-year increase of 0.6%, but net profit plummeted by 93.86% to only 51 million yuan [8]. - The bank's performance in the first half of 2024 showed a revenue of 1.784 billion yuan, up 19.09%, and a net profit of 473 million yuan, up 48.68%, indicating a significant decline in the second half of the year [8]. Group 3: Challenges and Strategic Moves - The decline in profitability is attributed to the absorption and merger of four high-risk village banks, ongoing fee reductions totaling 1.269 billion yuan over three years, and provisions for impairment losses [8]. - As of the end of 2024, the non-performing loan ratio increased from 1.74% in 2023 to 2.5%, with a return on equity of only 0.23%, below the average for city commercial banks [9]. - The net interest margin has contracted for three consecutive years, recorded at 0.58% in 2024, compared to the average of 1.38% for city commercial banks [9]. Group 4: Shareholder Changes - In October 2024, Li Yingyao was approved as the second president of Shanxi Bank, and in April 2025, the Shanxi Provincial Finance Department will become a shareholder, holding 1.415 billion shares (5.18%) [9]. - Following a board decision, Li Yingyao was replaced by Xing Yi as president, pending regulatory approval [9].