2020年1月3日,證監會披露9家上市公司再融資反饋意見,其中對鄭州銀行提出12項反饋,主要關注公司治理、經營合規性等方面。

On January 3,2020, the CSRC disclosed feedback on refinancing of nine listed companies, including 12 feedback to Zhengzhou Bank, mainly focusing on corporate governance, operational compliance, and so on.

鄭州銀行拋出定增案要回到2019年7月18日,根據當天公布的《非公開發行A股股票預案》,鄭州銀行擬非公開發行股票數量不超過10億股,募集資金不超過60億元,扣除相關發行費用后將全部用于補充該行核心一級資本。

Zhengzhou's proposed increase is back to July 18,2019, and according to the \"Privately Issued A-share Stock Plan\" published on the same day, Zhengzhou's proposed non-public issuance of no more than 1 billion shares, raising no more than 6 billion yuan, which will be used to replenish the bank's core tier-one capital after deducting the related issue fees.

預案披露,此次非公開發行的發行對象為鄭州控股、百瑞信托、國原貿易等不超過10名(含10名)特定投資者,其中,鄭州控股認購股份數量不少于億股;百瑞信托認購金額為億元~億元;國原貿易認購金額為億元~6億元。

The plan disclosed that the non-public offering was aimed at Zhengzhou Holdings, Bairui Trust and Guoyuan Trading among no more than 10(including 10) specific investors, of which the number of shares subscribed by Zhengzhou Holdings was not less than 100 million shares; the amount subscribed by Bairui Trust was 100 million yuan to 100 million yuan; and the original trade subscription amount was 100 million yuan to 600 million yuan.

根據證監會披露的12條反饋意見,在業務發展方面:主要對鄭州銀行關聯交易和公司治理、理財業務風險、同業業務風險、表外業務風險進行了關注。反饋意見要求鄭州銀行說明相關公司治理機制是否建立健全,是否存在通過關聯交易非關聯化輸送利益或利潤操縱的情形,主要理財產品是否存在資金池,同業投資中是否存在“非標”產品及其風險狀況,是否符合相關監管規定和要求。

According to the 12 feedback opinions disclosed by the CSRC, in the aspect of business development: mainly concerned about the related transactions and corporate governance of Zhengzhou Bank, financial management business risk, interbank business risk, off-balance sheet business risk. Feedback requires zhengzhou bank to explain whether the relevant corporate governance mechanism is established and sound, whether there is a non-related transfer of benefits or profit manipulation through related party transactions, whether there is a pool of funds for major financial products, whether there are \"non-standard\" products in interbank investment and their risk status, and whether it is in accordance with relevant regulatory regulations and requirements.

在資產質量方面,2016年至2018年,鄭州銀行不良貸款率分別為%、%、%,不良貸款率呈上升趨勢。反饋意見要求補充說明不良貸款率上升的原因及合理性,針對不良貸款率上升的風險防范及應對措施,以及撥備覆蓋率下降的原因及合理性,是否存在進一步下降不能滿足監管指標的風險。與此同時,鄭州銀行2018年營業收入同比增長%,但凈利潤同比下滑27%的情況,也被要求說明變動原因。

In terms of asset quality, from 2016 to 2018, the non-performing loan rate of Zhengzhou Bank was%,%,%, and the non-performing loan rate was on the rise. Feedback requires that the reasons and reasonableness of the rise in non-performing loans (NPLs), the risk prevention and response to the rise in NPLs, and the reasons and reasonableness of the decrease in reserve coverage should be supplemented. At the same time, Zhengzhou Bank's operating income rose% year-on-year in 2018, but net profit fell 27% year-on-year, and was also asked to explain the reasons for the change.

最新的財務數據顯示,截至2019年9月末,鄭州銀行實現營業收入億元,同比增長%,凈利潤億元,同比增長%,由于2018年該行凈利潤大幅下跌,2019年前三季度的凈利潤已超過2018年全年。不良貸款率方面,盡管2019年三季度末已降至%,但相比同類上市城商行,鄭州銀行的不良率依然偏高。

According to the latest financial data, Zhengzhou Bank achieved operating income of 100 million yuan at the end of September 2019, a year-on-year increase of%, net profit of 100 million yuan, a year-on-year increase of%, and the net profit in the first three quarters of 2019 has exceeded the full year of 2018 as the bank's net profit fell sharply in 2018. In terms of non-performing loans, although they fell to% at the end of the third quarter of 2019, zhengzhou's bad rate is still high compared to its peers.

合規經營方面,證監會反饋意見要求補充說明報告期內受到的行政處罰情況,是否已完成整改,是否存在違規擔保損害上市公司及其中小股東的利益,已簽署的股份認購協議是否切實保護上市公司利益和上市公司股東等。

In respect of compliance operation, the sfc feedback requests supplementary explanation of the administrative penalty suffered during the reporting period, whether rectification has been completed, whether there is any illegal guarantee to harm the interests of the listed company and its minority shareholders, and whether the signed share subscription agreement effectively protects the interests of the listed company and the shareholders of the listed company.

資料顯示,2015年12月,鄭州銀行在香港聯交所主板上市。2018年9月,鄭州銀行在深交所掛牌,回歸A股上市,成為首家“A H”股上市城商行。

In December 2015, Zhengzhou Bank listed on the main board of the Hong Kong Stock Exchange, according to the information. In September 2018, Zhengzhou Bank was listed on the Shenzhen Stock Exchange and returned to A-share listing to become the first \"AH\" stock listed city firm.

目前,鄭州銀行尚未公布此次定增發行的每股價格。但就上市表現來看,鄭州銀行A股股價表現并不如人意。2018年9月,鄭州銀行以元/股價格發行上市,期間最高上漲至元,截至2020年1月3日收盤,鄭州銀行報元/股,股價基本回到發行價附近,剔除期間的一次每股元分紅,鄭州銀行距離再次破發僅剩5%幅度。

At present, Zhengzhou Bank has not yet announced the price per share of the fixed increase. But in terms of listing performance, Zhengzhou Bank A-share price performance is not satisfactory. In September 2018, Zhengzhou Bank issued a listing at the yuan \/ share price, the period rose to the highest, as of January 3,2020, Zhengzhou Bank closed, Zhengzhou Bank reported yuan \/ share, the stock price basically returned to the issue price near, excluding the period of one dividend per share, Zhengzhou Bank distance again broke the remaining 5% range.


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