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Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82

Deprecated: strpos(): Non-string needles will be interpreted as strings in the future. Use an explicit chr() call to preserve the current behavior in /www/wwwroot/4-17ll.com/label.php on line 82
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4月15日,河南金融监管局正式批复刘海艇担任河南九鼎金融租赁股份有限公司(以下简称“九鼎金租”)董事、董事长的任职资格。

图片来源:河南金融监管局

刘海艇于2014年从市金融办副主任调任郑州银行商丘分行副行长分管业务,2019年5月升任行长。同年6月12日成为该分行的法定代表人,直到2024年4月才卸任,由孙润华接任。

注:以上人物系九鼎租赁董事长刘海艇

值得注意的是,刘海艇担任郑州银行商丘分行行长及法定代表人期间,该行两次因违规行为遭河南省保监局商丘分局处罚。2023年12月28日,因未严格审查银行承兑贸易背景的真实性,商丘分行违反审慎经营规则,被罚款30万元。更早些时候,2019年12月26日,刘海艇上任行长仅半年,分行便因违规办理无真实贸易背景的银行承兑汇票业务,受到20万元罚款处罚。

刘海艇的上任并非仅是个人职务的调整,前任董事长夏华的离任也是此次变动中的一大亮点。

前任董事长夏华大有来头,根据凤凰网河南综合此前报道,夏华是在王天宇掌舵郑州银行期间,于2011年12月作为精英人才引进到郑州银行担任副行长,此后还兼任执行董事、副董事长,董事会战略发展委员会和消费者权益保护工作委员会委员,并于2020年3月起兼任九鼎金租董事长,到2021年进一步兼任郑州银行董事会秘书,达到夏华在郑州银行的高光时刻,2022年年薪达到162.2万元,位居所有董监高年薪之最。

然而,2023年郑州银行高层变动,原董事长王天宇辞任,被任命为郑州市政协文化和文史委员会主任,脱离了与郑州银行的人事关系。而与其同期共事的夏华则是突然辞去郑州银行所有董事会职务,仅保留九鼎金租董事长一职。

夏华,男,1967年8月生,本科学历,有着丰富的银行监管经验。曾先后在人民银行洛阳市外汇管理科、伊川支行、河南省分行农合处等部门工作,历任副行长、副主任科员等职。随后,转任人民银行济南分行郑州监管办事处,先后担任主任科员、农业银行监管处主任科员等职。之后,加入河南银监局,先后担任银行监管一处副处长、城市商业银行监管处副处长及监管调研员。然而,尽管夏华年仅58岁,尚未达到退休年龄,但他的突然离任显然与九鼎金租2024年净利润的大幅下滑不无关系。

在这一背景下,一线业务经验丰富的刘海艇担任董事长可能为公司带来新的发展机遇。刘海艇与现任总经理陈中基均出自郑州银行,此番合作,能否有效应对公司面临的挑战值得期待。陈中基自2019年3月起担任九鼎金租总经理至今,曾在建设银行和郑州银行担任重要职务,积累了丰富的银行和金融经验。

业绩上演大变脸

九鼎金租成立于2016年3月,注册资本10亿元,由郑州银行、宇通客车和天伦燃气共同出资。2017年8月,三股东同比例增资,将实收资本增至20亿元,此后注册资本未发生变化。目前,郑州银行为最大股东和实际控制人,持股51%;宇通客车持股29%,天伦燃气持股20%。

图片来源:Wind

公司主要采用售后回租租赁模式,依托郑州银行的业务资源和资金支持,以河南为中心,向全国布局。主要服务对象为公共事业平台企业、上市公司、国有企业及优质民营企业。九鼎金租在早期发展迅速,资产规模快速扩张,但近年来受到监管趋严等因素的影响,发展速度明显放缓。

具体来看,九鼎金租的总资产从2020年的244.30亿元增长至2024年的351.65亿元,然而,同比增长率从23%降至0.44%,总资产增速显著放缓。净资产方面,从27.71亿元增至39.85亿元,虽然同比增速从11.2%降至5.48%,但下降幅度相对较小。然而,净资产的绝对值仍显较低。2024年末,公司财务杠杆倍数为8.82,接近监管要求不超过10倍的上限。

数据来源:Wind、新刊财经整理

从业绩表现来看,九鼎金租在2024年出现了增收不增利的局面。具体来说,2020年至2024年,公司的营业收入分别为7.53亿元、8.78亿元、10.65亿元、12.96亿元和13.26亿元,同比增长率分别为16.6%、21.30%、21.69%、2.31%。尽管同比增速有所放缓,营业收入依然保持了正增长。

然而,净利润表现却大幅下滑,2024年净利润降至2.06亿元,同比骤降41.14%。而2020年至2023年的净利润分别为2.79亿元、3.11亿元、3.48亿元、3.5亿元,年同比增速分别为11.47%、11.89%、0.57%。整体来看,虽然收入仍在增长,但净利润的急剧下降反映出公司面临的盈利压力加大。

数据来源:Wind、新刊财经整理

作者|姚文溪

编辑|吴雪

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