近期，商业银行资本补充明显提速，特别是进入二季度以来，多家中小银行密集"补血"。数据显示，截 至7月15日，我国商业银行年内已发行"二永债"（二级资本债、永续债）合计8945.6亿元，发行数量达 到57只。 "在银行机构利润承压，内源性资本补充空间缩窄的背景下，发行'二永债'无论是对于上市银行还是非 上市银行而言，都具有较高的可行性。"中国银行（601988）研究院研究员杜阳在接受《金融时报》记 者采访时表示。 多数受访专家认为，目前，我国经济顶压前行、稳定运行，高质量发展扎实推进，带动各领域信贷投放 量增长。银行加大对重点领域和薄弱环节的信贷支持力度，信贷总量上升消耗资本，催生银行加速补充 资本的需求。 中小银行资本补充压力突出 值得一提的是，虽然国有大行是发行主力，但整体较上年同期有所缩量；而全国性股份制银行、城商 行、农商行等中小银行的发行规模较上年同期增长明显。 6月18日，兰州银行（001227）发布公告称，已获准发行规模不超过50亿元无固定期限资本债券。 二季度以来，浙江稠州银行、四川银行、江苏银行（600919）、北京银行（601169）、兰州银行、西安 银行（600928）、青岛农商银行等近2 ...

Group 1 - The issuance of perpetual bonds (二永债) by commercial banks has significantly accelerated, particularly in the second quarter, with a total of 894.56 billion yuan issued across 57 bonds by July 15 [1] - In the second quarter alone, 43 bonds were issued, amounting to 638.7 billion yuan, which is more than three times the issuance in the first quarter [1] - The issuance of perpetual bonds reflects the substantial capital replenishment pressure faced by small and medium-sized banks [1][3] Group 2 - The issuance of perpetual bonds is concentrated in economically developed regions such as Jiangsu, Zhejiang, and Guangdong, while other regions show lower activity [2] - State-owned banks are experiencing a marginal decrease in demand for perpetual bonds as their capital adequacy ratios are already at high levels, indicating a shift in issuance focus towards smaller banks [2] - As of the end of the first quarter, the capital adequacy ratios for city commercial banks and rural commercial banks were 12.44% and 12.96%, respectively, which are significantly lower than the 17.79% of state-owned banks [3] Group 3 - The demand for external capital replenishment among banks is expected to continue increasing in the second half of the year, with the issuance of perpetual bonds likely to maintain an upward trend [3]

二季度以来，商业银行二永债(二级资本债和永续债)发行规模明显增加，包括国有大行、股份行、城商 行在内的各类商业银行"补血"动作频频。数据显示，截至6月26日记者发稿时，今年以来商业银行二永 债发行规模合计突破8000亿元。其中，二季度以来发行量超6000亿元，环比增长260.82%。业内人士认 为，近年来，在商业银行盈利能力下降、利润留存补充资本空间缩窄的情况下，发行二永债可以通过外 源性渠道丰富资本金来源，提升经营的稳健性。(中证报) ...