Shanxi bank " rise to surface " : Last a period of time 7 months, 5 small bank closes to recombine

Summary: Late on March 31, city of long the bank in managing bank, advance, Jincheng bank, Great Harmony bank, in relief spring the commercial bank is released on respective government-owned net at the same time " Shanxi bank Inc. founds congress and announcement of conference of plenary meeting of first time shareholder " . The announcement shows, shanxi bank founds congress and plenary meeting of first time shareholder are held on April 15, 2021.

Times of an ancient name for China (Www.chinatimes.net.cn) Feng Ying of reporter Wang Zhongqi child Beijing report

Late on March 31, city of long the bank in managing bank, advance, Jincheng bank, Great Harmony bank, in relief spring the commercial bank is released on respective government-owned net at the same time " Shanxi bank Inc. founds congress and announcement of conference of plenary meeting of first time shareholder " (next weighing " announcement " ) . The announcement shows, shanxi bank founds congress and plenary meeting of first time shareholder are held on April 15, 2021.

The announcement says, this the conference will be discussed " prepare to construct about Inc. of < Shanxi bank working report > second reading " , " about Inc. of < Shanxi bank trustee of the first board of directors nominates and voting method > second reading " , " reach personage of accredit of board of directors to deal with about accredit board of directors.

That is to say, since Shanxi will save this last year in August 5 small bank comes out in the home amalgamative after the information that establishs Shanxi bank, of Shanxi bank establish the job to be differred only " face an one foot " , shanxi bank be about to " rise to surface " .

Be worth what carry is, before this, countrywide much province all has in the information that small bank advances reform to recombine comes out, among them, sichuan kapok city the commercial bank passes commercial bank and cool hill city to set amalgamative pattern newly, established provincial bank jointly -- Sichuan bank, at present already practice; This year on January 27, liaoning saves governmental website to release an information, establish commercial bank of a provincial town through applying for to be set newly, amalgamative Liaoning is provincial commercial bank of 12 relevant cities.

A banking public figure that does not have a full name is right " times of an ancient name for China " the reporter expresses: "Suffer the element effect such as epidemic situation, in the credit asset quality of small bank still is faced with be issued to lower levels, the undesirable capital fund with prospective bigger presence deals with pressure, and in short-term inside gain ability is returned will bear pressure. A few small bank closes to recombine in the home after be new bank, not only capital actual strength is stronger, and these banks change concentration to the resource play synergism inside area from the competition of a person of same business inside area, reduced management cost thereby, improve management efficiency. Reduced management cost thereby, improve management efficiency..

5 banks establish Shanxi bank

Make public information to show, shanxi province shares 6 cities commercial firm, the bank in be advance merchant bank, Jincheng bank, advance respectively, Great Harmony bank, long control commercial bank of bank He Yangquan. In July 2019, advance merchant bank hands in place to hang out one's shingle in harbor appear on the market.

At the beginning of last year August, shanxi banking comes out heavy pound message. City of Great Harmony bank, in relief spring is commercial bank, long the bank in managing bank, Jincheng bank, advance issues an announcement in government-owned net in succession, the plan is held temporarily congress discusses partner to incorporate about participating in those who recombine is second reading.

And before two months, shanxi provincial Party committee ever held finance to reform working conference, deepen finance to reform key job to undertake specific deploy to this province. On this conference, shanxi provincial Party committee basically leads the key content that pointed out finance will work henceforth, mention mainly among them should deepen financial domain reform, exert oneself is on guard dissolve a venture, make top-ranking farming commercial firm, city commercial firm, do do orgnaization of actor place finance by force, better service transition develops.

Apparent, afore-mentioned conference spirit are this Shanxi province bank of much home place is amalgamative recombining setting. Shanxi province is on the successful experience foundation that draws lessons from other place bank to close to recombine, the superintendency department decision such as government of province of Shanxi provincial Party committee undertakes incorporating recombining to 5 provincial banks, it is Yang Quan respectively city is commercial bank, long the bank in managing bank, Jincheng bank, advance and Great Harmony bank.

The reporter inquires money signs up for discovery, outstanding achievement of afore-mentioned 5 cities commercial firm show time each are not identical, gain level is general weaker. Up to 2020 3 season end, long treat bank assets dimensions forty-five billion two hundred and fifty-three million yuan, business income 369 million yuan, drop compared to the same period 84.85% , net profit ninety-eight million five hundred and eighty-seven thousand one hundred yuan, drop compared to the same period 59.06% ; The corresponding period, dimensions of assets of the bank in advance seventy-nine billion two hundred and fifty-four million yuan, business income 1.262 billion yuan, drop compared to the same period 1.5% , net profit 218 million yuan, drop compared to the same period 55.21% ; The corresponding period, jincheng bank total assets eighty-three billion seven hundred and seventeen million yuan, business income 1.635 billion yuan, drop compared to the same period 25.17% , net profit 166 million yuan, drop compared to the same period 65.23% .

Up to 2020 2 season end, total assets of Great Harmony bank 42.06 billion yuan, business income 343 million yuan, drop compared to the same period 25.72% , net profit thirty-five million two hundred and seventy thousand eight hundred yuan, decrease compared to the same period 76.17% ; Current, the commercial bank releases city of in relief spring only outstanding achievement reported 2018, 2018 end, total of commercial bank capital of city of in relief spring is forty-five billion seven hundred and eighty-one million yuan, business income is 799 million yuan, increase compared to the same period 2.29% , net profit is 155 million yuan, drop compared to the same period 38.93% .

In addition, in asset quality respect, suffer region economy to add fast put delay, the element such as industrial structure transition is affected, of afore-mentioned much home banks undesirable grow somewhat.

Among them, bad loan rate is Great Harmony bank 1.89% , rise compared to the same period 0.05 percent; Jincheng bank fraction defective 3.76% , rise 1.52 percent, dial equipment to enclothe rate from 154.39% fell 132.94% ; Fraction defective of the bank in advance 2.47% , drop compared to the same period 0.09 percent, dial equipment to enclothe rate from 189.81% fell 174.88% ; Long control a bank bad loan rate is 1.88% , relatively the beginning of the year promotes 0.34 percent, dial equipment to enclothe rate from 186.65% fell 140.64% ; The bad loan rate of the commercial bank is city of in relief spring 2.57% , rise compared to the same period 1.54 percent, dial equipment to enclothe rate from 282.73% fell 120% , be close to brim of superintendency red line.

Local bank closes to recombine a trend

Since last year, the message that small bank recombines in is ceaseless, be paid close attention to extensively by the market.

On November 7, 2020, in obtain batch prepare to construct after 2 months, sichuan bank holds practice ceremony in new developed area of government office of weather of the Chengdu City, hang out his shingle formally do business. Sichuan bank spends city with Yuan Panzhi the commercial bank is city of commercial bank, former cool hill foundation, introduce 28 investor, adopt the Sichuan that sets amalgamative means newly to establish commercial bank of city of provincial legal person. Should register capital gold all right 30 billion yuan, occupy first place of countrywide city commercial firm. Set 101 branches, enclothe Chengdu, from city of tribute, kapok, Lu, inside river, Dazhou, elegant how, 8 city such as cool hill (city) .

Last year September, xuzhou farming commercial firm wins batch of start business. Should register capital all right 3.57 billion yuan, capital total achieves 77 billion yuan. Be worth what carry is, xuzhou farming commercial firm also is incorporate through be being set newly hold water, include former copper sea of hill farming commercial firm, the Huaihe River farming commercial firm of commercial firm, Peng Cheng farming, xuzhou farming commercial firm still introduced Jiangsu provincial the bank that do not have stannum and Jiang Yinyin appear on the market twice all right the bank serves as partner.

On July 23, 2020, shaanxi silver protects inspect bureau to agree with Shaanxi Yu Lin Yu the means that bank of hill farming merchant incorporates with be being set newly initiates bank of merchant of this world farming and Shaanxi horizontal stroke create bank of merchant of Shaanxi Yu Lin Nong, and Lin Yu of Yu of Shaanxi of be adopted as heir to one's uncle is in relief farming merchant bank and Shaanxi horizontal hill the creditor's rights of farming merchant bank, debt; On August 3, commercial firm of Fujian Shao Wu Nong is obtained batch prepare to construct, keep inspect bureau give an official according to Fujian silver, blessing Qing Dynasty is collected farming commercial firm of commercial firm, smooth Tan Nong parts commercial firm of Wu Nong of share Fujian Shao 20 million, occupy scale of amount of capital stock of commercial firm of Fujian Shao Wu Nong to all be 6.73 ％ .

Since this year, plan to apply for 12 cities commercial firm to be set newly besides Liaoning outside establishing commercial bank of a provincial town, on March 26, shaanxi Qin Nong farming merchant bank (next weighing " Qin Nong bank " ) release an information, this board of directors is discussed and passed bank of farming of the Qin Dynasty to absorb city of amalgamative Xi'an Zuo related company of couplet of collaboration of credence of rural area of area of Chang'an of city of farming merchant bank, Xi'an second reading. Relevant and second reading wait for 2021 for the first time temporarily shareholder plenary meeting is decided by ballot. Period in, Zuo city farming merchant bank is Qin Nong bank wholy-owned subsidiary, chang'an farming believes couplet company to govern on somebody's behalf by its.

The personage inside afore-mentioned course of study thinks: "Small bank incorporates in after establishing new bank, can support local hypostatic economy already, also accord with those who superintend a recursive source to lead way. Also accord with those who superintend a recursive source to lead way..

Last year on July 16, liu Rong of vice director of department of bank of city of the silver-colored meeting that keep watch aerates in media express on the meeting, supportive city commercial firm according to commercialize, law changes a fundamental, executive annex, recombine to invest with equity, perfect processing structure, build last soundly the lasting effect mechanism of healthy progress.

In addition, in the center of 2021 " a file " point out, clear local government is superintended and wind deals with nearly responsibility, reliable standard begins farmer cooperation interior credit collaboration is pilot. Maintain rural credence cooperation to wait for position of legal person of orgnaization of finance of prefectural region country and amount overall stability, had done supervisory management, risk to dissolve, deepen reform job. Perfect orgnaization of experience farming finance to administer structure and inside accuse a mechanism, aggrandizement finance superintends superintendency responsibility of the branch.