7月19日,南京银行和宁波银行分别在沪深两地上市,此举开创了中国城商行上市的新纪元,也是把城商行真正建设成为全国性商业银行迈出的关键一步。长期以来,我国城商行存在资本充足率偏低、业务结构单一、信贷集中度高、公司治理机制不完善等软肋、两家银行上市后,这些问题将在市场力量的推动下逐步解决。同时,巴塞尔新协议下银行监管的最低资本、监管部门的监督检查和市场约束三大约束也 July 19, Nanjing Bank and Bank of Ningbo were listed in Shanghai and Shenzhen respectively, a move that created a new era for the listing of China’s city commercial banks and a key step toward building the city commercial banks into a national commercial bank. For a long time, urban commercial banks in our country have some weak points, such as low capital adequacy ratio, single business structure, high credit concentration and imperfect corporate governance mechanism. After the two banks are listed, these problems will be gradually solved under the impetus of market forces. In the meantime, the three basic restrictions on the minimum capital under bank supervision under the new agreement of Basel, supervision and inspection by regulatory authorities and market restrictions