Perhaps we are faced with # bank # the times that annex of a commercial bank recombines, everyday exclusive and changeless is change, and to depositor, the biggest change may come from the bank that deposits money today at you to will disappeared tomorrow, changed a bank however, how is your deposit met? This is the difficult problem that everybody cares.
Above all, real possibility comes more quickly than our imagination forever, beside our the annex of the bank recombines to be in everyday happen
What produce annex to recombine recently is this year is 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 " show, shanxi bank founds congress and plenary meeting of first time shareholder are held on April 15, 2021; Net of official of the silver-colored on April 2 meeting that keep watch was released " about preparing to construct the give an official of Shanxi bank Inc. " , agree with city of Great Harmony bank, long the bank in managing bank, Jincheng bank, advance, in relief spring the commercial bank is amalgamative recombine create Shanxi bank, this mark is worn from last year Shanxi saves this since August 5 small bank is amalgamative in the home established Shanxi bank is about to become reality.
Shanxi bank is not exclusive one is incorporated by a few banks recombining provincial bank, according to relevant report, city commercial firm, farming commercial firm closes to recombine early precedented. The badge merchant bank that established 2005, the Fosan country commercial bank that established 2019, still Central Plains bank, Hubei bank waits to all be provincial many commercial bank, farming company of commercial firm, farming letter small finance orgnaization is amalgamative in waiting hold water. Before this, sichuan kapok city the commercial bank passes commercial bank and cool hill city to set amalgamative pattern newly, the bank of provincial bank Sichuan that establishs jointly already on November 7, 2020 practice; .
Also won't be last are incorporated by commercial bank of a few cities of course established provincial commercial bank, this year on January 27, liaoning province government announces to pass amalgamative Liaoning provincial the means of commercial bank of 12 relevant cities, application is amalgamative establish bank of Liaoning of commercial bank of a provincial town, these 12 banks that undertake closing and recombine by the speculation inside course of study is probable it is Dan Dongyin bank of mouth of bank of hill of bank of travel, n, Benxi bank, saddle, battalion, mound bank of this world of new bank, distant, Tie Ling bank, rising sun bank.
Plus in September 2020, yuan Tongshan farming sea of commercial firm, the Huaihe River farming commercial firm of commercial firm, Peng Cheng farming, xuzhou farming commercial firm closes to recombine and introduced Jiangsu provincial the bank that do not have stannum and Jiang Yinyin appear on the market twice all right the Xuzhou that the bank establishs as partner farming commercial firm; 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. No matter be now,still did not come, the closes to recombine to become us to must be faced issue of the bank.
Next, how between look upon bank incorporate and does annex recombine? Should we be the surprise still should think over after all?
Since the annex of the bank recombines to be in everyday,happen, do we face the annex between the bank to recombine should how look upon?
Go up objectively say, no matter be the prospective development to the bank or the deposit safety to depositor,the annex between the bank recombines is meddlesome.
It is unprecedented that the epidemic situation that began 2020 brought concussion and challenge to world economy and our country economy, to banking especially in our country for small bank, real challenge just just perhaps begins, the client resource that bigger and bigger, bank can obtain the uncertainty of management environment is less and less, high grade assets is less and less, bad asset pressure is greater and greater, in be opposite, small bank bore unprecedented pressure.
The commercial bank amount of our country is numerous, in June 2019 the legal person of banking finance orgnaization of end 4597: Rural commercial bank 1423, rural credit agency 782, two aggregate 2205, approach the close in part of orgnaization of whole finance legal person. At present city commercial firm has 134, among them Liaoning, Shandong, Sichuan, Zhejiang, Heibei is city commercial firm is important distributingingly, liaoning has 14 the home, Zhejiang of 15 the home, Shandong 13, sichuan 13 the home, Heibei 11, afore-mentioned 5 provinces have city trading company 66, 49.25% what take measure of whole town commercial firm, approach an in part.
Look from whole, no matter the town merchant bank of our country and rural commercial bank are to be in the respect such as enough rate sees pressure of competition ability of asset dimensions competition ability, gain ability implementation, bad assets and sth used to one's own advantage, be in the bottom of state-owned big bank and share-holding system bank to carry aloof, in face enormous head competition pressure while, more be faced with special awkwardness live environment. Plus asset dimensions dimensions of small, capital ability of small, gain resists naturally infirmly risk capacity is small, so, through recombining to develop in order to rise ability is mixed resist the ability of the risk is become inevitable.
Small bank managed development to encounter unprecedented difficulty and challenge in, and annex recombines a future of small bank in be opposite development was offerred good luck and all sorts of likelihoods. Come when fresh gale billow after all when, large ship can rely on oneself to keep out storm, the boat can rely on tune advantage to present bigger flexibility only however; When cold wind will raid, the dimensions advantage that big bank can rely on oneself and protect oneself, but in small bank can consider to hold a group in the arms to warm oneself only. Say from this one meaning, the development that the annex of small bank recombines pair of banks was opened previously " the ceiling " the space that provided development and likelihood, we are faced should hopefully and accept rationally.
The 3rd, after the annex between the bank recombines, how should be the deposit deposit of depositor handled? What kind of situation may we face?
Since the annex between the bank weighs group general to become normal state, and serve as depositor we must accept this reality, but the deposit that what should we still make clear is us should how?
What should make clear here is, from annex recombines reality to look between current bank, after bank annex recombines, the deposit of depositor is met be received in the round by new bank and take-over, usually, new silver-colored guild accepts the creditor's rights of original bank and liability in the round, especially the security that our country banking deposits money to deposit takes seriously particularly, general bank annex weighs group of metropolises to ensure the safety that deposit deposits money absolutely, this are very clear.
Old since, our country established a lot of provincial town commercial banks on basis of original urban commercial bank, never appear the phenomenon that the missing, creditor's rights that deposit deposits money comes to nothing, it is the safe move that achieved deposit bank savings smoothly.
But if be broken postpartum,recombine, can produce two kinds of situations usually:
The first kind of circumstance is after going bankrupt first, recombine, so at present the deposit insurance system of our country provides the basis, individual deposit deposit is in less than of 500 thousand yuan of principal and interest is absolute safety, or can take-over in the round by the bank with new tomorrow, or is paid by compensate of sum of deposit insurance device; The part of more than 500 thousand yuan of principal and interest is usually take-over by new bank.
The 2nd kind of circumstance is after recombining first, go bankrupt, usually individual deposit deposit can take-over in the round by new bank, the risk that nonexistent deposit deposit comes to nothing.
In be in a bank to hold concurrently and recombining a process, the security that deposit deposits money basically has safeguard, this need not worry, but if be a bank,go bankrupt criterion according to going bankrupt the law undertakes handling. Accordingly, it is advantageous that the annex between the bank recombines whole to look to deposit money to deposit with what have safeguard. (Qi ancient bronze mirror)
