Zhengzhou bank advocate business Wu basically includes business of company bank business, retail bank and capital business to wait. At present company IPO applies for to obtain nucleus of card inspect joint hearing to pass.
" finance and economics of net of Chinese basic level " notice, be in what the company undertook 2006 to decrease endowment in the process, did not perform announcement loan program, also did not obtain be reached by cut money paid for shares be affirmed by the partner of equity of cancel after verification. And by one of partner of equity of cancel after verification the country begins trade, ceng Xiangzheng city is new and high to lodge a complaint of court of people of technical estate development, the request is as follows: Confirm bank of accuser hold Zhengzhou 2.5 million primitive property ownership puts in accuser 's charge to be enjoyed lawfully (add up to 2.5 million yuan) .
In addition, 2014 - 2017 first half of the year, because specific company client manages difficulty and reimbursement ability aggravation, cause Zhengzhou bank bad loan remaining sum and bad loan rate all increase continuously.
Decrease endowment did not inform creditor ever was sued to remand primitive a droit
2006, to push Zhengzhou bank bad assets deals with the job, the loss that offsets period of agency of credit of the city before Zhengzhou bank is established reachs the deficit after Zhengzhou bank is established, classics Henan saves government of people government and Zhengzhou city people to approve, zhengzhou bank takes cut partner capital stock gold, strong the kind that sells shareholder equity decreases register capital to add up to 1.234 billion yuan.
In those days June, zhengzhou bank holds shareholder plenary meeting the 8th times, discuss passed " Zhengzhou city the commercial bank is bad asset deals with the job implements plan " , " the draft resolution that Zhengzhou city commercial bank change registers capital gold " , " about revising the proposal of constitution of one's own profession " , the bad assets that agrees with Zhengzhou bank deals with the job implements plan, the assets capital gold that agrees with Zhengzhou bank is 764 million yuan by 1.998 billion yuan of change, agree to be revised accordingly " company rules " .
In November 2006, office of accountant of Henan Yue Hua issue " check endowment reports " , up to on September 30, 2006, zhengzhou bank already decreased solid control capital 1.234 billion yuan, among them, the sth used to one's own advantage that reduces Chinese socioeconomy to exchange 33 units such as culture association is mixed 31 million yuan the capital of 8 natural people such as Yang Lin army one hundred and fifteen thousand five hundred yuan, aggregate decrease register capital 31 million yuan, the sth used to one's own advantage that reduces 9 units such as Zhengzhou city Bureau of Finance 1.203 billion yuan, the enrollment of bank of the Zhengzhou after change capital is 764 million yuan.
" finance and economics of net of Chinese basic level " notice, zhengzhou bank afore-mentioned decreasing endowment announcement loan program was not performed in the process, did not obtain be reached by cut money paid for shares be affirmed by the partner of equity of cancel after verification, but afore-mentioned with cut partner capital stock gold, strong sell shareholder equity means to decrease type of those representing capital to already obtained superintendency part to approve, performed check endowment procedure.
Government of Zhengzhou city people issued on August 26, 2015 " government of Zhengzhou city people the Cheng Reshu that waits for a circumstance about affirming Zhengzhou bank history is strict " , affirm " Zhengzhou bank all previous registers the existence in capital change to rush decrease, the nucleus decreases the action that reachs cut share, ask or obtain what after relevant director branch, government sector is approved, undertake what branch, government sector is in charge of related department basis, and the partner that begins in Zhengzhou bank follow-up affirms in, partial partner is strong to its already decrease, the nucleus is decreased or cut the share after undertook admit posthumously, zhengzhou bank is nonexistent in this process great break the law violate compasses act " . Government of Zhengzhou city people at the same time bear if, "If Zhengzhou bank will happen to change with the property right in historical evolution henceforth,use the issue that pose or other issue, zhengzhou municipal government is in charge of solving. Zhengzhou municipal government is in charge of solving..
Via checking, lawyer of bank of the orgnaization that protect Jian, Zhengzhou thinks, zhengzhou bank registers capital to register capital to be decreased from 1.998 billion yuan by the RMB reach 764 million yuan to already was obtained " government of Henan province people about Zhengzhou city the commercial bank is bad asset deals with the give an official of working executive program " the approval file that waits for a director to examine and approve a branch, but did not perform announcement loan program, did not obtain by the partner of cut money paid for shares (involve 9 shareholder, all be legal person partner) reach by the partner of equity of cancel after verification (involve shareholder of partner of 33 legal person, 8 natural people) affirm.
" finance and economics of net of Chinese basic level " notice, in afore-mentioned by one of partner of equity of cancel after verification the country begins trade to Zhengzhou court of people of development of estate of new and high technology mentioned partner qualification affirms appeal to, lawsuit requests as follows: Confirm bank of accuser hold Zhengzhou 2.5 million primitive property ownership puts in accuser 's charge to be enjoyed lawfully (add up to 2.5 million yuan) ; Bear this case lawsuit cost by Zhengzhou bank.
The country promotes commerce to be in Henan province Zhengzhou is new and high 2017 court of people of technical estate development lawfully after service pay legal cost informs, did not answer according to this court announcement inside 7 days the amount of pay hands in a case to accept fee beforehand, did not apply for delay pay legal cost inside time limit again, forensic ruling accuser recalls sue processing.
Rate of exasperate and bad loan increases capacity of partial client reimbursement continuously
Up to on June 30, 2017 - on December 31, 2014, the loan of Zhengzhou bank decreases value loss to prepare remaining sum to be 3.508 billion yuan respectively, 3.459 billion yuan, 2.689 billion yuan mix 1.76 billion yuan, dial equipment to enclothe rate it is respectively 208.84% , 237.38% , 258.55% , 301.66% , present the trend that year after year glides.
Loan assigns equipment rate, borrow money namely remaining sum of preparation of the loss that reduce a cost borrows money to extending reach rate of amount of money advanced for sb to be paid back later, it is respectively 2.88% , 3.11% , 2.85% , 2.26% .
Zhengzhou bank expresses, actual loan reduces value loss the reckons digital presence is larger difference of likelihood and one's own profession, exceed reserve amount possibly. If loan loss prepares to be able to 't offset actual loss finally, zhengzhou bank needs to extract additional preparation, the likelihood reduces the profit of Zhengzhou bank considerably, be opposite possibly also business accomplishment of the business of Zhengzhou bank, foreground, financial standing and classics causes great and adverse effect.
" finance and economics of net of Chinese basic level " discovery, in recent years, bad loan remaining sum and bad loan rate all add Zhengzhou bank continuously.
On June 30, 2017 - 2014, bad loan rate is Zhengzhou bank respectively 1.38% , 1.31% , 1.1% , 0.75% , year after year increases.
To this, zhengzhou bank expresses, because macroscopical economy grows speed to put be issued to lower levels of delay, economy and supply side structural adjustment, the specific company client of Zhengzhou bank manages difficulty and reimbursement ability aggravation, bring about bad loan remaining sum and bad loan rate to all increase continuously.
The corresponding period, the bad loan remaining sum of Zhengzhou bank is 1.68 billion yuan respectively, 1.457 billion yuan, 1.04 billion yuan, 583 million yuan.
