Group 1 - The core viewpoint of the articles highlights the ongoing trend of capital replenishment among banks, with a significant increase in bond issuance to strengthen capital adequacy and support lending to the real economy [1][2][3] Group 2 - As of July 18, the total bond issuance by commercial banks reached 1.141 trillion yuan, with subordinated debt issuance being the highest at 389.1 billion yuan, a 254% increase compared to the same period in 2021 [1] - The issuance of financial bonds amounted to 279.3 billion yuan, while special financial bonds for small and micro enterprises reached 214.5 billion yuan [1] - Eight subordinated bonds exceeded 10 billion yuan in issuance, compared to only three in the same period last year, with major state-owned banks being the primary issuers [1] Group 3 - The need for capital replenishment is driven by the requirement to maintain capital adequacy ratios, which slightly decreased to 15.02% at the end of Q1 this year [2] - Regulatory bodies are supporting banks in capital replenishment through various channels, including the issuance of special bonds by local governments, with 103 billion yuan already allocated to four provinces [2][3] - The expectation is for continued active capital replenishment by banks, with a focus on enhancing support for the real economy and mitigating potential risks [3]