Ceng Juan hangs out his shingle into the Suzhou bank of lawsuit of 450 million bill the road that appear on the market is about to enter end.
Recently, suzhou bank was handing in institute official net greatly to publish book of intent of raise capital by floating shares, the platelet in planning to reaching place greatly appears on the market, plan to issue do not exceed 333 million, the negotiable securities that enrol business and east Wu Zheng certificate protects Jian orgnaization for combination, explain buy date to be on June 27, this year May, suzhou bank obtains what card inspect meets to appear on the market batch of article.
Author discovery, suzhou bank equity is too dispersive, before 10 large stockholder hold a scale to be less than in all 50% . In addition, the orgnaization that protect Jian east the independent character impeach of Wu Zheng certificate, both sides signed strategic cooperation agreement last year in March, suzhou bank is the biggest partner also is east Wu Zheng certificate is the biggest partner, the hold post when Ceng Tong of a trustee two companies.
Book of raise capital by floating shares is mentioned, this collect capital basically is used at compensatory core one class capital. Author discovery, this bank capital is led amply had dropped 3 years continuously, bad loan rate is climbed 3 years continuously litre, unplug equipment is enclothed rate is far under can appear on the market than a person of same business company average level. In addition, suzhou bank wait for many times to be punished by administration because of business of note business, a person of same business, ever was labelled to break one's promise person, still " step on thunder " the bank that include business. The level accepts in battalion, the only interest yield that Suzhou bank also is faced with main battalion to receive component closes narrow the problem with liquidity risk.
All previous classics two years of much time, suzhou bank is about to become A the 33rd appears on the market bank, a area of the 9th Jiangsu appears on the market bank. After appearing on the market, will be share price behaved again how?
01
Equity of impeach of independent character of the orgnaization that protect Jian is dispersive
Suzhou bank appears on the market 3 fold.
In December 2016, suzhou bank refers A first IPO declares draft, in December 2017, suzhou bank signs up for again send raise capital by floating shares the manual. Arrive all the time on May 17, 2019, do sth over and over again two years much Suzhou bank obtains what card inspect meets to appear on the market batch of article.
Suzhou bank full name is " Suzhou bank Inc. " , predecessor is Jiangsu east rural commercial bank (the following abbreviation: East Wu Nong commercial firm) the share-holding system commercial bank that changes to make and be become. 2010, east Wu Nong commercial firm is formal more the name is Suzhou bank, finished from farming commercial firm arrives the decay of city commercial firm. Wu Nong commercial firm is Qing Dynasty of company of couplet of collaboration of credence of country of Suzhou urban district east on the base that produces nuclear endowment, mix by 46 legal entity 3449 natural people are collective and contributive the Inc. that establish, start business formally in December 2004 external. Company of couplet of collaboration of credence of country of Suzhou urban district by couplet of credence of Suzhou suburb village company and company of couplet of credence of prefectural town country incorporated 2002 and become.
Situation of Suzhou bank shareholder
The reason such as historical evolution created the situation with dispersive structure of equity of nowadays Suzhou bank, current, suzhou bank is not had charge a partner and effective control person. Up to on April 30, 2019, amount of Suzhou bank capital stock is 3 billion, partner door is counted in all 3725, number of legal person partner is 116, number of natural person partner is 3609. Equity brings about large stockholder to cannot control equity strongly dispersedly, or appear easily the circumstance that controls person contention.
Before Suzhou bank 10 large stockholder
Opinion book shows, before Suzhou bank 10 large stockholder oppose a scale in all for 43.40% , hold in all than be less than 50% . The biggest partner sends a group for the country, oppose a scale for 10% , amount to for rainbow next carry, oppose a scale for 6.50% , hair of garden area classics opposes a scale for 6% , wave department ascends share to oppose a scale for 4.43% , group flourishing rainbow is held 3.71% .
Book of intent of raise capital by floating shares is mentioned, up to 2018, add up to partner of 27 legal person and partner of 20 natural people support his some share set impawn, involve share to count 539 million, 17.97% what hold sum total of share of one's own profession about. The partner of impawn of before 10 large stockholder is counted in all 3, wave department records share impawn share highest, impawn scale is 4.43% , impawn number has exceeded 50% what hold share counts. Weather eye is checked show, wave department ascends share to add impawn newly still this year in March its hold some other company share.
Book of raise capital by floating shares mentions the hazard of shareholder equity impawn, exist to the share of impawn is dealt with and already brought about structure of equity of one's own profession to produce metabolic risk because of partner.
Be worth what carry is, mixed early 2016 book of two edition raise capital by floating shares is medium 2017, qian Xiaogong of Suzhou bank director is protecting Jian orgnaization east Wu Zheng certificate is holding the position of trustee one duty. In book of newest intent of raise capital by floating shares, qian Xiaogong is stated for east former director of Wu Zheng certificate. Wu Zheng certificate makes public a data to show east, qian Xiaogong left his post on April 20, 2019, time antedates Suzhou bank takes card inspect to be able to approve Wen Yiyue to control. Trustee holds a post when trustee is protecting Jian orgnaization and publisher company to ever was the same as, this or right east the independent character of the orgnaization protecting Jian of Wu Zheng certificate brings certain influence.
The author returns discovery, international of Suzhou of the biggest partner develops Suzhou bank group limited company (abbreviation: The country sends a group) , economy of region of garden of industry of Suzhou of the 3rd large stockholder grows limited company (abbreviation: Garden area classics sends) , limited company of group of chemical fibber of Changjiang Delta of the city zone of photograph of city of Suzhou of the 10th large stockholder (abbreviation: Changjiang Delta chemical fibber) return share east Wu Zheng certificate, group of its China hair opposes a scale for 23.52% , for east Wu Zheng certificate is the biggest partner.
Suzhou bank and east Wu Zheng certificate is in early signed strategic cooperation agreement last year in March, deepen both sides to wait for the collaboration of the respect in resource, information, talent further, promote collaboration efficiency, realize mutually beneficial win-win. Book of intent of raise capital by floating shares is mentioned, wu Zheng certificate regards management as management of assets of bank of person government Suzhou and fiducial plan east.
Beijing brights judge attorney office barks the height thinks, similar east the circumstance of Wu Zheng certificate may bring certain influence to maintaining the independence of Jian orgnaization, independent character impeach. Specific whether to put in correlation to trade wait for behavior to need print to whether accord with lawful commercial regulation.
02
Fraction defective is climbed 3 years continuously litre
Bill discount business steps on thunder for many times
The Suzhou bank that takes batch of article hangs out his shingle current appear on the market to be differred only it seems that face an one foot. Nevertheless, its year after year involves the bad loan that raise the credit risk such as business of issue of discount of rate, bill, a person of same business and inside accusing to manage a problem still will be the thorny difficult problem that its need for a long time to be faced with.
Book of intent of raise capital by floating shares is mentioned, this second collect capital is deducted after issueing charge, will use at core of additional one's line entirely one class capital, raise capital to be led amply, plan to use amount to be 2.57 billion yuan.
Suzhou bank capital leads circumstance contrast amply
Up to 2018, one class capital leads Suzhou bank core amply, enough rate, capital leads one class capital to be respectively amply 10.07% , 10.10% with 12.96% , the standard of the commercial bank is 7.50% , 8.50% with 10.50% . Comparative person of the same trade can be compared appear on the market in light of the company, one class capital leads core amply summary prep above is average level, one class capital is led amply and capital is led amply under average level.
Suzhou bank capital leads a case amply
Nevertheless, the author notices bank capital leads Suzhou to had dropped 3 years continuously amply, 2018 unplug equipment is enclothed rate for 174.33% , far under can appear on the market than a person of same business 284.97% of company average level. In the meantime, bad loan rate presents Suzhou bank ascendant trend. 2018, mixed 2017 2016, bad loan rate is Suzhou bank respectively 1.68% , 1.43% with 1.49% . Up to March 2019 end, bad loan rate is Suzhou bank 1.58% , relatively end dropped 2018 0.1 percent, in light of branch line of business, bad loan takes manufacturing industry than highest. To addition account, suzhou bank says, loan of company of company of small manufacturing industry extends in scale is relative bigger, pressure of economic be issued to lower levels is increased, phenomenon of manufacturing industry difficulty lasts. In the meantime, strengthened the management to loan irrelevance 2018, exceed the time limit the loan of 90 days of above differentiates entirely for undesirable grade.
Suzhou bank and course of study of person of the same trade can be compared appear on the market the bank is bad loan rate is parallel
Course of study of comparative person of the same trade can be compared appear on the market harbor of bank of bank of Shanghai of silver-colored luggage draw together, Jiangsu bank, Hangzhou bank, Changshu farming merchant, Home Zhang bank of farming merchant bank, Suzhou farming merchant in all the bad loan of 6 banks is led in light of, bad loan leads Suzhou bank highest, and prep above average is close 0.4 percent.
In November 2018, because bad assets blame is clean,Suzhou bank is returned give a watch to be fined 400 thousand yuan by substation of Suzhou silver-colored inspect, the basis that substation of Suzhou silver-colored inspect makes punishment violates careful management regulation badly. Generally speaking, bad assets blame is clean give a watch to show the bank is passed of all kinds endowment canal plans to violate compasses make over wait for means to realize bad assets blame is clean give a list or give a list phonily, the person superintends index to adjust, the risk that expresses the bad assets inside so actually still is assumed by the bank.
Involve litre of issue besides bad loan rate, the note issue of Suzhou bank gets attention fully all the time. Book of intent of raise capital by floating shares is mentioned " case of 450 million yuan of bill " pendency lawsuit problem. Bill case results from on July 2, 2015, e Er is much this farming commercial firm turns to Suzhou bank a batch of amount are discount 600 million yuan commercial accept bill of exchange, and E Er is much this farming the bill of exchange of commercial firm is from Xinjiang in hand of bank of bourg of countryman of car of A Kesu library " buy " those who come, both sides was signed " commercial accept bill of exchange turns discount contract " . That day, suzhou bank makes over this batch of bill with same technique go out. The course is made over for many times, bill turns to bank of the people's livelihood 3 inferior in branch hand. Final, after there are 500 million yuan to expire in this batches of bill cannot cash. From this, suzhou bank Xiang Eer is much this farming commercial firm to lodge a complaint, ask for bill section. Up to on December 31, 2018, amount of discount of Suzhou bank money is 7.495 billion yuan respectively, occupy extend the scale of loan and amount of money advanced for sb to be paid back later is respectively 5.30% .
2016, after Suzhou bank hands over book of IPO raise capital by floating shares, because note issue is punished,return for many times. In Feburary 2017, because of,Suzhou bank the Huaihe River brings subbranch of a bank " not do one's best of monitoring of the capital after borrowing, loan fund is protected to stick business impawn deposit receipt as trade bill by divert " violate compasses be fined 200 thousand yuan by bureau of local silver-colored inspect. In January 2018, because be opposite,branch of Suzhou bank Nantong is returned examine and verify of setting of commerce of discount bill authenticity is lax, be given to warn by subbranch of a bank of downtown of Nantong of Chinese people bank and penalize a fund 100 thousand yuan, in Feburary 2018, subbranch of a bank of Yu of Suzhou bank another name for Jiangxi Province because flaw of existence of authenticity of setting of discount business commerce, be given a warning to penalize a fund 90 thousand yuan by Chinese people bank even subbranch of a bank of cloud harbor downtown.
Book of intent of Suzhou bank raise capital by floating shares also mentions problem of risk of business of a person of same business, up to 2018, asset carries amount of business of a person of same business to be one hundred and five billion two hundred and ninety-three million yuan respectively, indebted end amount of business of a person of same business is seventy-six billion nine hundred and forty-two million yuan respectively. Suzhou bank earlies childhood, the business putting an amount with the bank that include business is involved to include business of bank acceptance discount and business of short-term loan of foreign currency a person of same business in business of a person of same business, total principal and interest 442 million yuan. Wait for a file according to mandatory group announcement and correspondence, afore-mentioned creditor's rights predict to be able to have certain loss, but 1.30% what total the biggest loss does not exceed amount of 2018 year profit.
In addition, up to 2018, suzhou bank serves as accuser and the principal amount of mark of odd pen controversy is in of 10 million yuan of above have not the great credit of finish kind contentious case adds up to 48, the principal amount that involves bid adds up to about 1.075 billion yuan.
Author discovery, came 2016 during March 31, 2019, because Suzhou bank and each district subbranch of a bank are undesirable business of issue of loan, note, discount violates employee of bank of compasses, Suzhou " collude of inside and outside " cheat borrow the case receive administration to punish 12, involve amerce amount to add up to 1.688 million. Weather eye is checked show, 2018, suzhou bank is returned be labelled to execute a person by court of people of city of Home Zhang harbor.
03
Only interest yield closes narrow add close not to increase profit
Close as exterior battalion and superintend environmental change, suzhou bank still is faced with only interest yield to control narrow awkwardness and liquidity risk problem.
Book of intent of raise capital by floating shares shows, up to 2018, total of Suzhou bank assets is three hundred and eleven billion and eighty-six million yuan, loan and amount of money advanced for sb to be paid back later are one hundred and forty-one billion three hundred and twenty-seven million yuan, deposit amount is one hundred and ninety-two billion six hundred and seventy-five million yuan, amount of shareholder rights and interests is twenty-four billion five hundred and eighty-six million yuan. Current,
2018, 2017, battalion closed to be 7.737 billion yuan respectively 2016, 6.899 billion yuan, 7.007 billion yuan, the net gain of partner of attributive parent company is 2.242 billion yuan, 2.109 billion yuan, 1.95 billion yuan, all present different level growth. Nevertheless, receive profit and total battalion to close to look from battalion appear add the case that accepts not to increase profit. 2018, suzhou bank total run closes to be added compared to the same period 12.16% , business profit drops compared to the same period however 2.01% .
Suzhou bank is receivable kind of investment
Author discovery, came 2016 2018, endowment canal plan and fiducial plan amount compress Suzhou bank ceaselessly, but the preparation that reduce a cost increases ceaselessly however. For instance the amount of the endowment canal plan 2017 and fiducial plan is twenty-eight billion four hundred and forty-three million yuan, the preparation that reduce a cost is 268 million. The amount of the endowment canal plan 2018 and fiducial plan is twenty-seven billion two hundred and two million yuan, and the preparation that reduce a cost is as high as 616 million yuan however, grew 348 million yuan compared to the same period.
Suzhou bank run receives net income of main support interest, nevertheless, yield of only last year interest closes somewhat narrow. Money newspaper shows, 2018, mixed 2017 net difference was respectively 2016 1.86% , 1.80% with 2.05% , only interest yield is respectively 2.11% , 2.01% with 2.25% . Interest net income occupies business income to compare respectively for 85.19% , 86.08% with 84.17% .
Yield of breath of Suzhou bank net profit and can appear on the market than a person of same business company comparative plan
Comparative a person of same business can be compared appear on the market in light of the company, yield of breath of Suzhou bank net profit and net profit are poor under evaluation level, on the whole, bank of prep above Shanghai, Jiangsu bank and Hangzhou bank, under Changshu farming merchant bank is mixed Home Zhang harbor farming merchant bank.
In recent years the Central Bank relaxes stage by stage the control to interest rate, the competition that loan business and price level keep between the bank somewhat aggravate, the interest rate competition that banking whole faces increases, this balances risk and accrual to bring particular challenge to the bank. Suzhou bank also is mentioned, future is deepened further as what interest rate commercializes, banking competition will be further aggravate, if manage,fail to achieve expect the result, the likelihood makes prospective net difference continues to close narrow.
Name
2018
2017
2016
Shanghai bank
- 2, 173, 299.4
- 6, 076, 728.9
17, 084, 591.2
Jiangsu bank
- 9, 204, 840.8
- 10, 513, 846.7
8, 261, 730.6
Hangzhou bank
1, 308, 741.7
6, 410, 402.9
8, 323, 310.4
Bank of Changshu farming merchant
144, 534.5
- 669, 539.6
683, 635
Home Zhang harbor farming merchant bank
- 379, 603.47
550, 578.66
626, 554.36
Bank of Suzhou farming merchant
265, 179.6
- 77, 685.4
254, 129.9
Jiangsu bank
- 854, 792.51
694, 850.37
- 1, 583, 346.68
Suzhou bank and a person of same business can compare appear on the market only cash reserve in a bank of bank management activity flows a circumstance (unit: 10 thousand yuan)
Accept the challenge that face besides battalion, the cash of Suzhou bank flows a circumstance not quite hopeful also. Came 2016 2018, net specified number of flow of cash of Suzhou bank management activity appeared 3 years two negative situations, it is respectively - fifteen billion eight hundred and thirty-three million yuan, 6.949 billion yuan, - 8.548 billion yuan.
Suzhou bank and a person of same business appear on the market compared to the same period index of company liquidity risk is comparative
From put loan structure to look, up to 2018, a year of Suzhou bank period the proportion that the deposit of less than holds all deposit is 71.20% , suzhou bank a year period the proportion that the loan of less than holds loan total is 58.57% , put structure of loan time limit to be put in certain level fault to match. 2018, 2017, 2016, scale of Suzhou bank fluidity is respectively 51.66% , 57.90% with 79.42% , fluidity scale is reduced ceaselessly, put loan scale to be respectively 73.35% , 70.77% with 65.47% , present the trend that year after year rises.
Book of intent of Suzhou bank raise capital by floating shares also is mentioned, if comparative,expire time deposit cannot add is put, likelihood cannot with reasonable commercial clause, obtain fund in time.
If Suzhou bank hangs out his shingle,appear on the market go well, jiangsu province appears on the market the bank comes enlarge look 9, there still are 8 A before this appear on the market bank, include Nanjing bank among them (601009.SH) with Jiangsu bank (600919.SH) wait for 2 cities commercial firm, and the bank that do not have stannum (600908.SH) , Jiang Yinyin goes (002807.SZ) , Changshu bank (601128.SH) , Zhang Jia harbor goes (002839.SZ) , Su Nong bank (603323.SH) , violet gold bank (601860.SH) wait for 6 domestic farming. Future, will be Suzhou bank share price behaved again how?
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