Listed Analysis Of QD Bank

QD bank is established to resolve local financial risks.As a member of city commercial bank,it has problems such as insufficient capital,high concentration of equity and low management level.In order to achieve better development,many city commercial Banks are aiming to solve their own problems by listing,so the listing of city commercial Banks has emerged.In this atmosphere,QD bank also launched the listing plan.This paper studies the listed of QD bank by qualitative analysis method,literature review method and longitudinal comparison method,and focuses on the listing motivation,listing location and timing of QD bank,the realization of listing agent,the impacts of operating performance and the financial risks those exposed by QD bank.The author analyzes and finds that improving the capital adequacy ratio,reducing the concentration degree of equity,accelerating the transformation of business structure and promoting trans-regional operation are the motivations for QD bank to seek the listing.Through the process of listing,the shareholding structure of QD bank has been diversified,the three business strategies have been effectively promoted,and the cross-regional operation has been carried out quickly,but the listing has not solved the problem of declining capital adequacy ratio effectively.Secondly,it is different from the view that listing can promote business performance.In this paper,it is found that listing promotes QD bank’s financing capacity,but it does not improve the profitability and growth ability effectively.Finally,the author found that the financial soundness and risk controllability of QD bank is declining,which reflected in the increasion of non-performing loan ratio(which reflects the low level of the non-performing loan),the high degree of industry loan risk concentration along with high level of non-performing loans.After analysis and discussion,the author finally gets the following revelation.To view the listing demand rationally: the listing will not solve all the problems.If you want to get a better long-term development,it would be better to build sustainabledevelopment path.Listing site and listing time should be selected reasonably.It is crucial to control risk weighted asset,to optimize asset management,and refine management of light asset and operating management.In order to reduce the rate of bad loan,it’s important to strengthen the quality of the loan,to ensure the stock is kept in place and the high level of increment.In order to eliminate the risk of facility concentration effectively,we need to conduct strategic loan planning,regularly stress test on the concentration of loan risk,and explore relevant financial innovation actively.