简析成都银行市场价值和净资产账面价值差异产生的原因

Analyzing the Reasons for the Difference between Market Value and Book Value of Net Assets of Bank of Chengdu

随着城商行、农商行这类区域性商业银行的快速发展,其股票进入投资者的视线。然而长期以来,这类银行普遍存在市场价值低于净资产账面价值的显著特征。这一现象意味着其整体价值被市场低估。对处于发展阶段的区域性商业银行来说,吸纳投资者的资金有助于其经营扩大,而市场价值被低估会导致其错失投资者,因此我们需要探究市场价值被低估的原因并找出相应的价值提升路径。

With the rapid development of regional commercial banks such as urban commercial banks and ru-ral commercial banks,their stocks have entered the attention of investors.However,for a long time,the market value of such banks is generally lower than the book value of net assets.This phenome-non means that its overall value is undervalued by the market.For regional commercial banks in the development stage,absorbing investors’funds is conducive to their business expansion,while the undervaluation of market value will cause them to miss investors.Therefore,we need to ex-plore the reasons for the undervaluation of market value and find out the corresponding path of value enhancement.