Times of an ancient name for China (Chinatimes.net.cn) Feng Ying of reporter Wang Zhongqi child Beijing report
Went 7 years, of Heibei bank appear on the market the process still stays in appear on the market coach level, and the Chongqing bank that once started at the same time with Heibei bank, Shanghai bank and Jiangsu bank, had landed harbor in succession or field of A stock market. Come 7 years, heibei bank is in appear on the market oneself still maintain on the road incompact not slow rhythm did not change, although had been swung in back aloof by the fellow traveller.
Not only such, in recent years Heibei bank management pressure is highlighted. Up to 2018 3 season end, should realize business income all right 4.809 billion yuan, drop compared to the same period 13.72% ; Net profit 1.453 billion yuan, glide compared to the same period 22.71% ; Dial equipment to enclothe rate 150.34% , relatively the beginning of the year drops 12.32 percent; Bad loan is led 1.84% , relatively the beginning of the year rises 0.23 percent.
Combining compasses management aspect, also should reveal a flaw on management all right, superintend sectional punishment for many times.
Be aimed at afore-mentioned problems, heibei bank replies " times of an ancient name for China " the reporter says: "Suffer macroscopical economy to add fast put transition of structure of delay, industry to upgrade, 3 go falling to fill influence of substandard ministry element, bring about fraction defective of asset of Heibei bank credit to rise somewhat, 2018 gain level relatively the corresponding period drops somewhat. 2018 gain level relatively the corresponding period drops somewhat..
Appear on the market working progress is slow
Make public information to show, be in early in January 2012, heibei bank issues announcement, plan to issue RMB common stock publicly first and appear on the market at churchyard, negotiable securities of the letter in be being accepted coachs.
Last year on August 1, letter negotiable securities releases in about Heibei bank the 26th period appear on the market coach working report shows, "Coach object Heibei bank still puts in main problem at present " include:
The first, 2012, as a result of the account that system of industrial and commercial information adjusts its company, heibei saves industrial and commercial bureau to will initiate what when establishing, issue to do business bank of the Heibei in charter establishs date change was on May 27, 1996 on September 9, 1996.
The 2nd, the country is electric electric power, medium city building investment controls a limited company (abbreviation " in city building " ) wait for main and state-owned partner to have not provide the relevant data that use up tone.
The 3rd, at present independent director number is 3 people only, under appear on the market the requirement of relevant code, but not the regulation under company rules.
The 4th, the formalities of existence of partial house property of the bank not all ready circumstance, hire house property to did not undertake renting putting on record in great quantities; The power of intangible assets presence such as domain name of brand, network belongs to dispute.
The 5th, at present Heibei bank still is put in the asset of pay a debt in kind or by labour that did not deal with more than 2 years partly.
Those who make a person incomprehensible is, be in early actually December 2015 the 16th period coach in working report, negotiable securities is believed to point out afore-mentioned problems clearly already in. The reporter notices, be aimed at these problems, letter negotiable securities also is in in offer a solution actively. For example the problem of asset of the 5th pay a debt in kind or by labour that did not deal with about more than 2 years, negotiable securities is believed to express clearly in the solution in, cancel after verification of integral finance affairs planned bank general basis to undertake cancel after verification to asset of relevant pay a debt in kind or by labour 2016, exceed at was being finished before end in Feburary 2016 period of asset of pay a debt in kind or by labour deal with the job. But, in 2 years of much time these problems were not solved all the time.
On November 2, 2018, letter negotiable securities releases Heibei bank in the 27th period appear on the market coach working report, inside the 26th period appear on the market coach 5 when allude in working report main problems had not seen sign. Although did not explain whether these problems had been solved entirely,negotiable securities is believed in, but still let a person produce Heibei bank follow-up to appear on the market the job is carried fast associate. But enter in an instant March 2019, time of close half an year went, still do not see Heibei bank the new information about IPO.
Not only such, review the way that Heibei bank appears on the market 7 years, should appear all right or so pendulous, hesitation relapses. In March 2015, should be in all right in those days for the first time temporarily on shareholder plenary meeting, discuss passed " about issueing H publicly what the stock combines bourse to appear on the market in Hong Kong is second reading " reach " turn about one's own profession those who be share of the collect outside the condition is second reading " , that is to say Heibei bank by original A appear on the market turn for seek H appear on the market. Passed to be less than time of half an year however, should appear on the market all right plan once more changeover. In August 2015, heibei bank is discussed again passed " issue about be being made public first by H adjust for A second reading " .
Asset quality glides apparent
Heibei bank held water on May 28, 1996, predecessor is Shijiazhuang urban district the bank of Shijiazhuang city collaboration that agency of 48 cities credit establishs, it is one of banks of 5 first Chinese pilot city collaboration. Mixed 1998 2009 early or late more the name is Shijiazhuang city commercial bank and Heibei bank. In June 2012, heibei provincial Party committee saves a government to bring into its provincial managing, become this the province saves bank of apanage method person exclusively. Up to 2017 end, heibei bank sets 13 subsidiary bank in all, and 3 control share company.
Up to 2018 3 season end, heibei bank shares partner 5454, its China home partner 1, legal person partner 104, natural person partner 5349. Before 5 large stockholder are a country respectively electric electric power is limited company of group of haven of development Inc. , Heibei, medium city building investment accuses glow of dwell of a limited company, Nanjing to build Bureau of Finance of group limited company, Shijiazhuang city, hold a scale to be respectively 19.02% , 9.55% , 7.75% , 6.18% , 5.81% .
To Heibei bank, appear on the market more distant, be being solved urgently at the moment is to seek profits the problem that be issued to lower levels and asset quality glide.
Report of exposure of information of the 3rd quarter showed Heibei bank 2018, up to 2018 3 season end, should realize business income all right 4.809 billion yuan, relatively get on 5.574 billion yuan of year of the corresponding period to drop 13.72% . From business income form look, income of interest of 3 season end was sixteen billion two hundred and sixty-six million yuan this 2018, increase compared to the same period 1.73% ; Interest expenses eleven billion eight hundred and seventy-nine million yuan, increase compared to the same period 8.45% ; The increases outclass interest income growth of interest expenses. Suffer this effect, 2018 3 season end, income of this only interest is 4.386 billion yuan, drop compared to the same period 12.91% .
Additional, to doing business income produces bigger effect still include poundage and commission net income. 2018 3 season end, this poundage and commission net income are 425 million yuan only, relatively go up 799 million yuan of pelter of year of the corresponding period 46.81% . Look further, cause Heibei bank the reason that poundage of 3 season end reached pelter of commission net income 2018 is poundage and commission income appear to glide considerably. Data shows, 2018 3 season end, this poundage and commission income are 507 million yuan, glide compared to the same period 42.26% .
Give the action that glides now to fall at the same time in poundage and interest net income, commission net income, business income of 3 season tip went now to fall compared to the same period this 2018. Although this the corresponding period does business,defray drops somewhat compared to the same period, but net profit still is affected, it is 1.453 billion yuan, decrease compared to the same period 22.71% .
In asset quality respect, up to 2018 3 season end, rate of this bad loan is 1.84% , relatively year rise 0.23 percent. In fact, should go in recent years the condition that bad loan rate is in year after year to rise all the time. Arrive from 2015 2017, rate of this bad loan is respectively 1.38% , 1.49% with 1.61% . 3 season end dialed equipment to enclothe this 2018 rate for 150.34% , adjacent " passing line " ; And arrived 2015 2017, should dial equipment to enclothe all right rate it is respectively 235.02% , 201.55% with 162.66, be in the posture that year after year drops. Bad loan is led and dial equipment to enclothe ratio index to be able to see in recent years all right from this, the evidence of occurrence aggravation of quality of Heibei bank assets.
Violate compasses manage suffer punishment
Close compasses the lifeline that runs the bank that be called, and since 2018, heibei bank appears frequently violate compasses management problem, branch be superintendencied is punished.
On Feburary 27, qingdao silver protects inspect bureau to release administration to punish information to publish a list, branch of Heibei bank Qingdao turns because of loan bail opens bank acceptance and credit fund to violate compasses flow into capital market and estate market, disobeyed " commercial banking law of People's Republic of China " the 74th, " banking of People's Republic of China controls administrative standard " the 46th, be protected by Qingdao silver inspect bureau confiscates illegal earning 1000 yuan, penalize a fund 800 thousand yuan.
On September 30, 2018, dark blue silver-colored inspect is punished definitely 2018 〕 of word 〔 show 10 numbers, existence of subsidiary bank of state of Heibei bank dark blue is violated compasses conduct of business of loan of conduction circulating fund, according to " banking of People's Republic of China controls administrative standard " the 46th (5) , substation of silver-colored prison of dark blue state fines subsidiary bank of state of Heibei bank dark blue 300 thousand. Relevant responsibility person is in with punishment of warning.
" banking of People's Republic of China controls administrative standard " the 46th (5) regulation: Banking finance orgnaization violates careful management regulation badly, by banking of the State Council supervisory administration is instructed correct, be in 200 thousand yuan of above 500 thousand yuan of the following amerce; The clue is particularly serious or exceed the time limit does not correct, can instruct close down is rectified or revoke its business certificate; Those who make crime, investigate criminal duty lawfully.
Same day, dark blue silver-colored inspect is punished definitely 2018 〕 of word 〔 show 9 numbers, individual of existence of subsidiary bank of state of Heibei bank dark blue consumes loan fund by divert behavior, according to " banking of People's Republic of China controls administrative standard " the 46th (5) , " administration of People's Republic of China sanctions a method " the 27th regulation, substation of silver-colored prison of dark blue state fines subsidiary bank of state of Heibei bank dark blue 200 thousand.
" administration sanctions a method " the 27th regulation: Party has one of following state, perhaps ought to reduce administrative punishment lightly lawfully: (one) be eliminated actively or reduce illegal behavior to endanger consequence; (2) get another person threatening have illegal action; (3) cooperate an executive authority to investigate illegal behavior to make contributions is behaved; (4) other perhaps reduce administration lightly to punish lawfully. Illegal behavior is slight correct in time, did not cause those who endanger consequence, do not grant administrative punishment.
In addition, heibei bank is at the beginning of 2018 receive bureau of Heibei silver-colored inspect 2018 " 1 punishs sheet " , amerce amount achieves 10.8 million breathtaking yuan.
On January 27, 2018, bureau of Heibei silver-colored inspect announces Ji Yinjian to punish definitely word 〔 an administration punishment decides 2018 〕 book. Because Heibei bank violates business of compasses conduction note, violate careful management regulation badly, according to " banking of People's Republic of China controls administrative standard " the 46th regulation, be rectified and reform in order to instruct by place of bureau of Heibei silver-colored inspect, penalize a fund aggregate 10.8 million yuan.
