The last few years, the abidance that commercializes a process as interest rate is advanced, and the acceleration of Internet finance develops, banking competition also becomes intense all the more, plus last year " communal and wholesome incident " influence, a lot of small banks are facing greater management pressure, must be on amalgamative road. Relatively typical have: 2020, kapok city commercial bank and cool hill city the commercial bank is incorporated, established Sichuan bank, be called by a lot of experts " hold a group in the arms to warm oneself " .

And this extends very fast be successful, new the throughout the country that with one action became the Sichuan bank that establish to register capital to amount to 30 billion yuan is the biggest urban commercial bank, business development entered drive. Not only such, again the message says recently, shanxi has 5 banks to will incorporate recombine, create Shanxi bank.

According to media message, the Jincheng bank, bank in advance, long treat bank, Great Harmony bank and net of commercial bank official of city of in relief spring to had issued announcement, say Shanxi bank founds congress and plenary meeting of first time shareholder will be held on April 15, will discuss 13 at the appointed time second reading, the member that join meeting personnel to include bank of tall candidate of partner, Dong Jian, Shanxi to prepare composition, lawyer and other and relevant personnel.

This also is meant, of commercial firm of this provincial city found the job to be about to enter " end " . So of Shanxi bank found what can you bring to affect to depositor?

On one hand, can exalt the finance of depositor experience feeling further.

Orgnaization of a lot of finance is in now devote oneself to to raise finance to serve level and quality, for instance countrywide banking association can run 100 beautiful sites of countrywide, 1000 beautiful site regularly found the job, urban commercial bank is not exceptional also, but small bank after all scope is little, get of the element such as personnel, site, capital restrict, form formidable service network hard.

With exemple of Jincheng silver-colored behavior, its head office is set in Shanxi to visit Jincheng town, register capital just 3.24 billion yuan, set subsidiary bank

The amount is not much also, only 9 branch, and have 2200 more than person only from personnel of course of study. Up to 2019 end, jincheng bank deposits money each remaining sum fifty-five billion three hundred and twenty-four million yuan, each loan remaining sum forty-one billion one hundred and thirty-seven million yuan. And a few develop area, the desolate that for instance Zhejiang Hangzhou administer belongs to is a mountainous area, its Xiao Shan farming of commercial firm put borrow amount to be in early exceeded 200 billion 2018.

So, although small bank manages a mechanism more agile, but to depositor, the Shanxi bank after incorporating will naturally perfect service mechanism further, enhance the financial experience sense of depositor.

On the other hand, be helpful for under management risk.

Somebody is not obvious perhaps: Why does the bank also have management risk?

Actually the bank also is an enterprise, also can close down, up to now already 4 commercial banks go bankrupt, what leave us the closest among them is 2020 of the bank that include business go bankrupt incident. Data shows, the bank that include business goes broke after liquidation, sum of debt of capital of 6.5 billion 2 class is decreased write down, hard normal cash, harmed the interest of investor directly.

In addition, because manage not to be pooh-poohed,return some bourg banks, announced to disband directly. For instance on December 28, 2020, chongqing silver protects inspect bureau to agree to disband Chongqing 10 thousand cities bank bank of bourg of the Yin Fudeng in the river, in agreeing with a Bank of China to add cautious to celebrate 10 thousand cities, silver-colored Fu Dengcun presses down a bank. Peaceful wave silver protects inspect bureau to agree to disband Ning Bo silver-colored Fu Dengcun presses down a bank in Ning Haixi inn, in agreeing with 4 partner such as the Bank of China to increase the of great capacity that maintain peace, silver-colored Fu Dengcun presses down a bank. This also is the whole nation there is bourg bank to disband first on the history.

These explain further: Small bank because body amount is small, mechanism system is diseased, resist the ability of the risk is weaker, only " hold a group in the arms to warm oneself " , do do greatly strong, ability more the test that withstands a risk.

Anyhow, the Jincheng bank, bank in advance, long order bank, Great Harmony bank and city of in relief spring commercial bank these 5 banks incorporate is meddlesome for the depositor to the majority, everybody does not want certainly too unscramble, amalgamative after all item superintends a branch to be able to be solved smoothly certainly. # of # Shanxi bank

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