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优秀的江阴银行为何问题缠身

2017-08-14 09:04:10   中国经济网

农商行、城商行等中小商业银行不良贷款明显高于行业平均水平主要源于经营区域受限,贷款客户集中度高、资本实力弱,客户群体质量一般、风险管理水平不高、不良贷款化解能力有限四大原因。

不良高筑、罚单满天飞、票据纠纷频发、拟发20亿可转债“补血”又遭证监会“四问”……近期,农商行A股上市第一股江阴银行负面缠身,“老底”一一被揭。

不过,对于这样的境况,一位长期关注中小银行动态的研究人员对《国际金融报》记者称,江阴银行已算是我国农商行中较为优秀的。

“它能上市本身就在一定程度上说明了问题。”该研究人员表示,从目前的情况来看,毫无疑问,江阴银行的内部管理肯定存在问题。而实际上,这家银行的现状也真实反映了我国农商行普遍的内控水平与经营水平。

负面缠身

作为农商行A股上市的第一股,江阴银行去年9月的上市可谓是风光无限,之后也是屡受游资热炒。近期,江阴银行更是因连连上涨被股民们称为“妖股”。然而,拨开江阴银行风光无限的外表,记者却发现,江阴银行面临着诸多问题。

在票据业务方面,江阴银行至今仍有多起金额较大的未决诉讼,其中包括恒丰银行嘉兴分行案、恒丰银行南通分行案、恒丰银行青岛分行案、恒丰银行常熟支行案、鄂尔多斯农商行案、兴业银行宁德分行案等。据统计,未决诉讼涉及金额之大已经占到江阴农商行去年净利润的四成多。

目前,这些悬而未决的案件已成江阴银行发行20亿可转债“补血”计划的“拦路虎”之一。据了解,江阴银行拟发行20亿元A股可转换公司债券的计划本于今年6月已获江苏证监局批准,但近日收到的证监会反馈意见显示,要求对公司存在票据业务相关金额较大的未决诉讼等内容进行说明。

在同业业务方面,据公开资料,江阴银行仍在大力发展同业业务。其2017年第一季报显示,截至3月末,该行存放同业及其他金融机构款项为12.04亿元,较2016年末增加38.98%。有市场人士提出疑虑,在监管部门对同业业务监管不断加码情况下,江阴银行为何要“偏向虎山行”?

此外,江阴银行更因同业业务受罚不断。比如,在2016年12月27日,江阴银行的子公司宣汉村镇银行因在5家银行违规开立5个同业账户,被中国银监会达州监管分局累计罚款100万元。

针对这一情况,《国际金融报》记者采访了江阴银行方面。该行有关负责人表示,该行存贷款比例一直控制在70%左右。银行间理财产品、基金和资产管理计划总量不到30%,其中理财产品和基金绝大部分为优先级、保本型,风险性投资资产不到5%。该行强调,2016年底江阴银行的MPA考核结果为A级,为最高等级。

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