浙商银行郑建明 10年浙商银行大换血 新高管首要任务H股上市
由于农行香港分行行长刘晓春对香港市场及浙江经济形势非常熟悉,被认为是推动浙商H股上市的合适人选。
理财周报见习记者 李田/上海报道
2014年8月,浙商银行不但迎来了自己十周岁生日,也迎来了该行发展史上,董事会、监事会新老交替的关键时刻。
中国银行前十年的发展与扩张,浙商银行在初具规模之际,因扩张所带来的资本压力同样如影随形。
十年扩张之路,浙商银行初具规模
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" alt="浙商银行郑建明 10年浙商银行大换血 新高管首要任务H股上市" />
经过相关公司股票走势
浙商银行相关人士对理财周报(微信公众号:Money-week)记者表示,“目前新任领导层还都在初期适应阶段,谈论有无新的经营思路还为时过早。不过,不排除将在9月份召开新闻发布会,届时将向外界详细介绍新任领导班子成员。”而此次高层人事变动也被业内普遍解读为,浙商银行将在赴港上市方面增加砝码。
据理财周报记者了解,新任行长刘晓春已在农行系统工作多年。不但现任农行香港分行行长,深谙香港市场,此前还曾任农行浙江省分行副行长,同时也对浙江省的金融市场十分熟悉。
银行业的人来人往从未停歇。
回首2004年至2014年,在首任行长龚方乐掌管浙商银行的10年中,浙商银行从一家规模不到百亿的新设银行,逐步成长为如今总资产近6000亿的全国性股份制银行。截至2014年6月底,该行各项存款约3500亿元,各项贷款近2500亿元。
资料显示,目前浙商银行在北京、天津、辽宁、上海、江苏、山东、广东11个省市和浙江省内全部省辖市设立了121家分支机构,初步形成了全国性机构体系。
理财周报记者注意到,在经营思路方面,浙商银行从诞生之日起,就建立了“一体两翼”的经营思路,并且沿用至今。即“公司业务为主体,小企业业务和投资银行业务为两翼”的战略,至今也算初有成效。
浙商银行2013年年报显示,截至2013年12月31日,作为“一体两翼”其中“一翼”的小企业业务规模逐年上升。
该行国标小微企业贷款余额722.47亿元,较上年末增长23.24%,在各项贷款中占比33.34%;高端投行业务手续费类收入较上年增长60.45%。不良贷款率0.64%,拨备覆盖率329.21%。全年实现净利润49.01亿元,较上年增长21.75%。
“另一翼”投行业务的规模同样日渐清晰。
2013年,该行全年非金融企业债务融资工具注册41笔,金额358.95亿元,较上年增长42.57%;承销总金额267.60亿元,较上年增长25.77%;金融债承销取得突破;全年开展并购项目1个,支持的并购规模3.34亿元;全年联合牵头银团贷款项目1个,牵头参与银团贷款项目3个,发放银团贷款7.65亿元。
在风控方面,身处长三角地区“不良”风暴中心的浙商银行似乎也未能幸免,不良率和不良贷款余额连年上升。2011、2012、2013年,浙商银行的不良率分别为0.24%、0.46%和0.64%。
资本约束与补充压力增大,
谋求H股上市
另一方面,十年来的资产和网点扩张所带来的资本压力同样如影随形。
据理财周报记者了解,新版《商业银行资本管理办法》自2013年开始实施后,对商业银行资本充足率要求进一步提高,资本定义更为严格,风险资产覆盖面更加广泛。此外,央行继续施行差别准备金动态调整机制,将商业银行的人民币贷款限额与资本充足率挂钩,资本充足率下降直接减少贷款限额。
对于一家体量较小,又有网点扩张需求的全国性股份制银行来说,通过各种渠道补充资本金成为眼下的当务之急。
2013年11月,该行在杭州举行的第一次临时股东大会开始透露出某些端倪。
在是次股东大会上,《浙商银行增资扩股建议方案》 并未被审议通过,但却首次出现并通过了《关于浙商银行股份有限公司发行H股股票并在香港联合交易所有限公司上市的议案》、《关于浙商银行股份有限公司转为境外募集股份有限公司的议案》、《关于浙商银行股份有限公司发行H股股票募集资金使用及投向计划的议案》等多个与“H股上市”的相关议案。
很明显,在增资扩股之路行不通之后,浙商银行转而谋求进军H股上市。
一位浙江银行业人士对记者表示:“增资扩股方案没被通过应该是股东没有达成一致意见。有可能多数股东出于自身资金压力不愿继续增资的原因。”
此外,年报还显示,浙商银行早在2012年9月26日股东大会决议、2012年10月24日董事会决议、以及与投资方签署的非公开发行股票认购协议中,就申请增加注册资本人民币15亿元,主要是向浙江省财务开发公司定向增发股份。
2013年4月27日,浙商银行的增资申请获得银监会批准。浙江省财务开发公司于2012年11月8日缴纳出资款计人民币30亿元,其中包括溢价人民币15.9亿元。浙商银行于2013年6月6日增加注册资本人民币15亿元,溢价部分计入资本公积,变更后注册资本为115.1亿元。
至此,浙商银行的资本压力得到某种程度的缓解。
截至2013年12月31日,浙商银行核心一级资本充足率为9.17%;一级资本充足率9.17%;资本充足率为11.53%。
而此次行长人选的变动似乎更加有望推动H股上市进程的提速。由于农行香港分行行长刘晓春对香港市场及浙江经济形势非常熟悉,被认为是推动浙商H股上市的合适人选。
2013年末,公司资本充足率11.53%,资本内生性补充能力和使用效率明显提高。总资产4,881.17亿元,各项存款余额3,197.95亿元,各项贷款余额2,167.15亿元,分别较上年增长23.94%、19.94%和19.17%。
年末国标小微企业贷款余额722.47亿元,较上年末增长23.24%,在各项贷款中占比33.34%;高端投行业务手续费类收入较上年增长60.45%。不良贷款率0.64%,拨备覆盖率329.21%。全年实现净利润49.01亿元,较上年增长21.75%。
浙商银行是经中国银监会批准设立的全国性股份制商业银行,其前身为“浙江商业银行”——一家于1993年在宁波成立的中外合资银行。
2004年6月30日,经中国银监会批准,重组、更名、迁址,改制为现在的浙商银行。截至2014年6月末,浙商银行股东24家,注册资本115亿元,监管资本380余亿元。