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The List Of The First Batch Of 5 Private Banks With Risk Taking Is Released.

2014/3/17 13:54:00 92

the first batch of 5 private a href= "//www.sjfzxm.com/news/index_c.asp" > Bank < /a > pilot list came out.

In March 11th, Shang Fulin, chairman of the China Banking Regulatory Commission, disclosed the news.

For the establishment of private banks, the CBRC has proposed a co sponsors system, that is, every family requires not less than 2 sponsors, and the first batch of pilot sites are located in Tianjin, Shanghai, Zhejiang and Guangdong.

the relevant person in charge of the CBRC said, "our next step is to examine the qualifications of its shareholders in accordance with the relevant regulations. After that, we begin to accept the formal application, and push forward the pilot according to the principle of a mature one."

That is to say, these 5 banks are not the final list.

The sponsors and private capital of the first batch of 5 pilot banks are: Alibaba and Wanxiang Group in Hangzhou, Zhejiang, CHINT group and Huafeng Group in Zhejiang Wenzhou, Tencent and Bai Ye yuan investment company in Guangdong Shenzhen, Jun Yao group in Shanghai, Fosun Group in Tianjin, Shang Hui group in Tianjin and North China Group.

the CBRC requires that when private capital is invested in a bank, it chooses a good main body of continuous operation, and shares shares with its own funds to avoid the situation of holding on behalf of the company. For the main controlling shareholder, controlling shareholder or actual controller of the launching enterprise, it is required that the ultimate beneficiaries and residual risk holders of the private banks should be tried for Chinese citizens and should not hold a green card (foreign permanent residence right), and the funds can be traced back.

> the CBRC did not set the framework and rules first, but let the market cross the river with a sense of gravity and then closely integrate with the top-level design. According to the market wishes, we screened four models from the dozens of reports submitted by the country, that is, Ali proposed the small deposit and small loan mode; the Tencent proposed the big deposit and small loan mode; the Tianjin plan put forward the public deposit and public loan mode, only doing the public business, not doing retail business; the other two bank plans put forward the business in line with the local small and micro enterprises and financial consumers in the specific area.

The relevant person in charge of the CBRC said.

at the same time, the CBRC also put forward the requirements of extended supervision for private banks, such as a href= "//www.sjfzxm.com/news/index_s.asp" > shareholder < /a >, including the status of related party pactions, continuous capital injection ability, risk taking ability and arrangement.

The internal authority of the CBRC said, "the largest shareholder of small and medium banks is 20%.

There is no difference in market access and regulatory requirements with existing commercial banks, but there will be differences in specific ways.

The scale of registered capital of private banks determines the size of future business and asset expansion, and how much capacity it can do.

"from the request of 2 private capital co sponsored the establishment, we can see that the CBRC is very cautious about private banks."

You Xiaoping, chairman of the National People's Congress and chairman of Huafeng Group's board of directors, told the economic reference daily that "the main sponsor of the private banks we intend to build is the CHINT group, which has been preparing for more than 2 years. The business objects must be targeted at the services of small and micro enterprises, and the region is initially set up in Wenzhou."

in the market exit mechanism, the CBRC advocated that banks should establish "living will", that is, to formulate a risk disposal and recovery plan. "Bankruptcy regulations of financial institutions have been put on the important agenda and may be launched together with deposit insurance."

The authority further revealed.

aiming at the early warning of risks in the operation of private banks, the CBRC has initially made relevant designs, including key regulatory indicators such as capital adequacy ratio and provision, and set quantitative trigger criteria. Once the trigger value is reached, risk hedging, capital replenishment and institutional restructuring will be launched immediately.

"if these key indicators are lower than a certain lower limit, we must first limit their liability business and ask them to revitalize bad assets and recover losses, and then demand capital increase and capital injection, so that business can be restarted after the requirements have been met."

The authority explained, "we must find the cows who have lost their cattle to let the cows go, instead of letting the bashful people come to the cows."

If there is a serious insolvency of a private bank, and if the capital fails to hedge the risk of debt, we will even look for the sponsor shareholder, that is, the actual controller, asking him to pay his debts with his personal assets to make up for the deposits of individual depositors.

Yan Qingmin, vice chairman of the China Banking Regulatory Commission, said: "private capital enters the banking industry mainly through the establishment of new subscriptions, subscription of new shares, pferable equity, merger and reorganization."

the CBRC data show that at present, the private a href= "//www.sjfzxm.com" > capital < /a > has occupied a large proportion in the capital structure of the banking industry.

For example, the total share capital of joint-stock banks and city commercial banks increased from 11% and 19% in 2002 to 45% and 56% in 2013, respectively. More than 100 of the small and medium-sized banks accounted for more than 50% of civilian capital, and some small and medium-sized banks were 100% public funds.

The proportion of private capital in rural small and medium-sized financial institutions has exceeded 90%, and the proportion of private capital in rural banks is 73%.

After the listing of state owned banks, there are also many private institutions and the public holding shares.

In the past, these private capital stocks were used as financial investors. In the daily operation of banks, they did not have the right to speak, and they could not participate in decision-making. Without making capital speak, it was not a real private mechanism. P

Therefore, this pilot private bank is not a pilot private capital participation, but in the pilot private mechanism.

The internal authority of the CBRC said.

according to Shang Fulin, chairman of the China Banking Regulatory Commission, the private sector banks need to establish a "capital management mechanism to allow capital to speak, so that capital owners can make the owners of capital take the market constraint mechanism of risk losses".

"in the future, we should not only guide private capital to participate in the restructuring and restructuring of the existing banking industry, such as" a href= "//www.sjfzxm.com/news/index_c.asp" > financial > /a ", so that the private capital invested in the stock market will have more voice power and introduce more flexible private mechanisms. In addition, we will expand the trial run of banking financial institutions with independent risks from the purely private capital.

Yan Qingmin said.