Read private banks 20 19: 60% directors change blood, 18 opened, 3 are on the way

Since the opening of private banks on 20 14, 19 banks have been approved for construction, and 18 banks have been opened ... On March 1 1 2065438, the CBRC announced the first batch of pilot lists of private banks, which means that private banks have officially come to the stage from behind the scenes.

By the end of June 2020, there were 18 private banks in China, and 19 were approved for construction. In the past six years, three banks have increased their capital. Among them, only two banks increased their capital in early 2020. Many banks have completed the transformation, or the exchange of executives.

Capital increase of three private banks

A few days ago, Zhejiang Banking Insurance Regulatory Bureau issued the Reply of Zhejiang Supervision Bureau of China Banking Regulatory Commission on Changing the Registered Capital of Zhejiang Online Commercial Bank, saying that after examination, it was agreed that the registered capital of online commercial bank would be changed from 4 billion yuan to 657,654,384,040 yuan, an increase of 257,654,384,040 yuan.

June 65438+1October 65438+In June this year, Wuhan Zhongbang Bank announced that it had officially completed the capital increase of 2 billion yuan and the registered capital reached 4 billion yuan. According to the introduction of Colorful Finance Internet Finance News Center, this is also the third private bank allowed to increase its capital.

Previously, Weizhong Bank, which was established at the end of 20 14, reported that it was preparing a capital replenishment plan at the beginning of 20 16. In June of the same year, Weizhong Bank's capital increase plan was approved. 2065438+September 2006, the official reply issued by the China Banking Regulatory Commission showed that it agreed to change the registered capital of Weizhong Bank from 3 billion yuan to 4.2 billion yuan.

Earlier, foreign media reported that Weizhong Bank reached a financing agreement of nearly 450 million US dollars. Investors include Huaping Investment, a private equity fund in the United States, and Temasek in Singapore. Weizhong Bank is valued at $5.5 billion. But then some media said that the bank's capital increase plan was "aborted".

The Internet Financial News Center has learned that Weizhong Bank is not the only private bank that planned to raise funds. As an old rival of Weizhong Bank, the online merchant bank also reported that it will carry out initial financing on 20 19, with a financing amount of 6 billion yuan, and the overall valuation of the online merchant bank will exceed 24 billion yuan.

According to the report, the online merchant bank's seeking for capital increase is related to the reduction of its capital adequacy ratio. According to the data in the annual report, the bank's capital adequacy ratio has dropped from 18.5 1% at the end of 20 18 to1%at the end of 20 18. At present, the regulatory authorities require the capital adequacy ratio of non-systemically important banks to be no less than 10.5%.

Then, in February 20 19 and February 2020 10, the regulator issued a reply, agreeing to the capital increase and share expansion plan of the online merchant bank. At the same time, it also requires online merchant banks to strictly abide by relevant laws and regulations to complete capital increase and share expansion; Strengthen equity management, further improve the equity structure, and strictly control related transactions of shareholders.

According to Dong Ximiao, chief researcher of Zhongguancun Internet Finance Research Institute and special researcher of National Finance and Development Laboratory, with the expansion of assets, capital constraint has become one of the restrictive factors for the development of private banks. More measures should be taken to support private banks to replenish capital through multiple channels and enhance their service ability to the real economy.

"With the continuous development of private banks, the scale of assets has gradually expanded, and the capital has ranged from 2 billion yuan to 4 billion yuan, which has become an important factor restricting the development of private banks." Dong Ximiao bluntly said that, especially for several Internet banks with rapid business development, if they do not replenish their capital in time, their business development will face a "ceiling".

60% of bank presidents have been replaced.

Quit private banks to build a new coach ... private banks have been in turmoil for five years. According to the incomplete statistics of Internet Finance News Center, about 1 1 executives of private banks have changed to varying degrees, including online merchant banks, Zhongguancun banks and Fumin banks.

China, a brokerage firm, reported earlier that in just 20 18, the directors or presidents of seven private banks, including Shanghai Huarui Bank, Jilin Yilian Bank, Hunan Sanxiang Bank, Chongqing Fumin Bank, Fujian Huatong Bank, Wuhan Zhongbang Bank and Liaoning Zhenxing Bank, changed and adjusted.

2065438+In March 2009, the online merchant bank announced that Jing Xiandong, chairman and CEO of Ant Financial Services, stepped down as chairman of the online merchant bank and was replaced by Hu Xiaoming, president of Ant Financial Services; Jin Xiaolong, vice president of online merchant bank, was promoted to president of online merchant bank. 2065438+April 2009, Jing Xiandong just served as the chairman of the online merchant bank, and Huang Hao, the former president of the online merchant bank, was transferred to the ant financial service system.

Subsequently, on March 5, 2009, Liu Dan, the chairman of Huatong Bank, was approved by Fujian Banking Insurance Supervision Branch to take up his duties, and the former chairman Chen retired. Earlier, Zheng Xinlin, the former president of the bank, resigned less than a year after its establishment, and Li Chao took over as the president.

On April 28th, Wang Hang, the former chairman and legal representative of the company, withdrew and changed to Jianghai. Previously, Zhao Weixing, former vice president of the online merchant bank, joined the latter to build the new online merchant bank and served as the president of the bank.

Zhao Weixing is not the only one who jumped from one private bank to another. Sun Zhongdong, former vice president and chief information officer of Shanghai Huarui Bank, joined Fumin Bank on June 20 18 as the second president of the bank. According to public information, Sun Zhongdong submitted his resignation report in the middle of 20 19.

In addition to Sun Zhongdong, presidents of private banks will also perform their duties in listed banks. Recently, Shengjing Bank (02066.HK) announced that Zhang Qiang, the former president and executive director, resigned due to job changes. Xiao was appointed as the new president of the Bank and nominated as the candidate for executive director of the Bank.

According to the Internet Finance News Center, less than 20 18 June became the president of Zhongguancun Bank. Previously, he served as the deputy head of the preparatory group of Guizhou Bank, and served as the chairman and party secretary of Guizhou Bank from June 20 12 to February 20 17.

Three companies are planning to build this road.

At present, there are 19 approved private banks in China. There are two in Guangdong, two in Zhejiang and two in Jiangsu, and two in Fujian, Hubei, Shandong, Anhui, Hunan, Sichuan, Jiangxi, Liaoning, Jilin and Beijing, Tianjin, Chongqing and Shanghai 1.

Among them, Jiangsu Xishang Bank is still in the preparatory stage and has been approved by the China Banking Regulatory Commission. It is understood that the bank plans to register a capital of 2 billion yuan, of which Hongdu shares plan to invest 6,543.8 billion yuan with its own funds, with a shareholding ratio of 5%; Its controlling shareholder Hodo Group Co.,Ltd. Co., Ltd. plans to invest 500 million yuan with its own funds, with a shareholding ratio of 25%.

At present, Shanxi, Hubei, Henan, Fujian and other places are expected to add 1 piece. Among them, the Xianning Municipal Government of Hubei Province has set up a leading group and a special working class for the preparation of Zhongnan Bank to fully promote the preparation of Zhongnan Bank, a private bank.

According to Xianning Municipal Government, members of the Preparatory Committee of Central South Bank include Chairman Huang and representatives of relevant investment enterprises. However, so far, it is not known what position Huang once held. Some media said that Huang was suspected to have worked in the Audit Department of Wuhan Branch of China Construction Bank.

In addition to Hubei, private enterprises in Shanxi Province also participated in the establishment of private banks, but they eventually died. 20 17 1 1 month, Yabao Pharmaceutical announced that it would terminate the preparatory work of Shanxi Tongchang Bank, a private bank, because it could not meet the access conditions of registered capital of 2 billion yuan.

At the annual meeting of China entrepreneurs held on February 16+ 1 1, Wang Yixin, vice governor of Shanxi Province, extended an olive branch to Jia Yueting, the controller of LeTV, to bid for an internet bank in Shanxi. Previously, Wang Yongli, then CEO of LeTV Finance, went to Taiyuan to discuss private banking business. Today, letv is also difficult to be independent.

In addition, Huamao Bank in Henan Province is under construction and has not been approved by the regulatory authorities. It is understood that the bank was established by six private enterprises in Henan Province, including Ruimaotong and New Cape. According to another source, both Beijing and Shanghai are preparing for a second private bank. So far, no effective progress has been made.

Judging from the registered capital, among the 18 private banks that have been opened, there are 9 * * * banks with more than 3 billion yuan. Among them, four private banks, including online merchant bank, Weizhong bank, Zhongguancun bank and Suning bank, have registered capital of more than 4 billion yuan; Five private banks, including Tianjin Jincheng Bank, Huarui Bank, Fumin Bank, Wangxin Bank and Sanxiang Bank, have a registered capital of 3 billion yuan, and the rest are all around 2 billion yuan.

In Dong Ximiao's view, if capital is not replenished in time, business development will face a "ceiling". For example, Huarui Bank's total assets in 20 18 years decreased by 7.36% compared with the end of last year, and its total liabilities decreased by 8.97% compared with the end of last year. Private banks have been established for a short time and their profitability is in the process of improvement, so it is difficult to supplement endogenous capital.

However, limited by business development, shareholder strength and other factors, private banks that have completed capital increase and share expansion are rare. The minority shareholders of some private banks are facing great difficulties themselves, and it is difficult to come up with a lot of "real money" to increase capital and share; Major shareholders are generally strong and willing to increase capital, but they are limited by the upper limit of 30% shareholding ratio.

Seeking "internet plus"

If you have a license, you must have a user to have performance. Many private banks choose to be the next "internet plus" in order to expand their business scope. Among them, the earliest layout includes Weizhong Bank led by Tencent, online merchant bank led by Ant Financial and new network bank led by New Hope Group.

In addition to the above three banks, there are Fujian Huatong Bank, Wuhan Zhongbang Bank, Beijing Zhongguancun Bank, Jiangsu Suning Bank and Jilin Yilian Bank. They have also labeled themselves as "Internet banks" or mainly rely on Internet channels to conduct business.

According to the announcement of Hongdu Holdings, the tin merchant bank under construction is positioned to explore the construction of an Internet of Things bank by means of mobile finance and Internet of Things technology, and intends to provide a variety of financial products for the growth and development of the real economy, especially small and medium-sized enterprises and related technological innovative enterprises such as the Internet of Things.

In fact, as early as 20 18, Nan Cunhui, member of Chinese People's Political Consultative Conference, vice chairman of the All-China Federation of Industry and Commerce and chairman of Zheng Tai Group, submitted the Proposal on Allowing Offline Private Banks to Carry out Internet Loan Business (hereinafter referred to as the Proposal). The "Proposal" suggests that offline private banks be allowed to carry out Internet loan pilot projects.

The "Proposal" shows that the regulatory authorities have not yet launched a pilot program for Internet loan business of private banks. Previously, the Interim Measures for the Administration of Internet Loans of Private Banks (Draft for Comment) issued by the former CBRC showed that private banks need to apply for Internet loans.

In addition to applying for internet loans, it is also necessary to declare to the regulatory authorities, including product reports, data submission and annual review. For example, lenders should report to the regulatory authorities 10 days in advance before launching various Internet loan products. During the reporting period, no publicity or sales activities shall be carried out for the loan products.

20 19, 1 June, Zhejiang Banking Regulatory Bureau issued the Letter on Strengthening Supervision Tips for Internet Loan Assistance and Joint Loan Risk Prevention and Control (hereinafter referred to as "Supervision Tips"), emphasizing that city commercial banks and private banks should abide by relevant regulatory requirements when carrying out related business, including that the core risk control links should not be outsourced and should not be based locally.

However, according to the Interim Measures for the Administration of Online Loans of Commercial Banks (hereinafter referred to as the Measures) issued by the CBRC a few days ago, commercial banks are allowed to operate across regions. According to the Measures, commercial banks can make their own Internet loan business plans.

The Measures also propose that local corporate banks should mainly serve local customers, prudently carry out cross-registered business, and identify and monitor the development of Internet loan business across registered jurisdictions.

However, there are no physical business outlets, and the business is mainly carried out online, except for other conditions stipulated by the CBRC. The analysis shows that local commercial banks and private banks can expand their business forms accordingly, which is conducive to the sustainable growth of profits.

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