China Banking Regulatory Commission has officially approved the establishment of three private banks to apply

Economic Observer Online reporter Chen Xiuyue July 25, China Banking Regulatory Commission party secretary and chairman Shang Fulin in the first half of 2014 China Banking Regulatory Commission on Banking Supervision disclosed that China Banking Regulatory Commission has officially approved the establishment of three private banks to apply.

Tencent and Ali, the two Internet giants, who can get the lead in obtaining the first to be approved, much attention. According to the disclosure, Tencent, Baiyanyuan, Founding as the main sponsor of Shenzhen Qianhai Micro Bank ranked among the three approved private banks. The other two approved are Wenzhou City Commercial Bank, which is mainly sponsored by Chint and Huafeng, and Tianjin Jincheng Bank, which is mainly sponsored by North China and Mai Mai. Pilot banks, also one of the first five private banks to pilot Alibaba as one of the main sponsors, unexpectedly "dropped out."

Not yet submitted to the China Banking Regulatory Commission to apply for the program, is one of the reasons Ali failed to be approved in advance. According to China news agency, Yang Liping, director of the Banking Supervision Department of the China Banking Regulatory Commission, said that so far, the CBRC has yet to receive application plans from two other banks. In fact, after the publication of the list, the CBRC has maintained close contact with the major sponsors of the pilot banks; however, it must be acknowledged that further communication is still needed between the major promoters themselves, and in fact the approval of the pilot scheme is also in preparation of the sponsor scheme Have a great relationship.

According to Ali sources, Ali is currently no clear direction in the direction of private bank business. Yu Shengfa, vice president of Small and Micro Financial Services Group (PBOC), said that at present, it is actively preparing for the project and fully demonstrating various possibilities and directions. Yu Shengfa was the former deputy director of the Hangzhou Financial Office and former governor of Hangzhou Bank. In February this year, he joined the small and micro financial services group (chips). According to industry sources, Yu Sheng Fa is actually the head of Alibaba's private banking project.

In previous media reports, the business model proposed by Alibaba and Universal is "small deposit" (limited deposit ceiling and loan ceiling), emphasizing that the private bank to be established will mainly serve community residents, and its design Program, but also give full consideration to the characteristics of the Internet.