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

Beijing Times reporter Jing Gao Liao Feng Zhu Jian Wo

Yesterday, the China Banking Regulatory Commission Shang Fulin external disclosure, has recently officially approved the establishment of three private banks to apply. These three privately owned banks are: Qianhai Bank of China, a subsidiary of Tencent, a source of industry and industry, and a sponsor of Qianhai Bank of China, Wenzhou Commercial Bank, the main sponsor of CHINT and Huafeng, and Tianjin, Jincheng Bank.

According to the requirements of China Banking Regulatory Commission, private banks have six months after the approval of the preparation period, if not completed can apply for an extension of up to 3 months. In other words, up to 9 months after the private bank can be officially opened and customers met.

□ released Ali Fosun did not catch the first bus

Shang Fulin, director of the China Banking Regulatory Commission held the first half of 2014 work conference yesterday said that the three pilot banks in the development strategy and market positioning has its own characteristics, the goal is to provide efficient and differentiated financial services for the development of the real economy.

After the first batch of pilot list of private banks was announced during the "NPC and CPPCC National Committee" this year, in mid to late July, the three pilot banks preparation and construction teams submitted the formal preparation and approval application to the CBRC. Preparations for the construction of the program are in the current "Commercial Bank Law" and other laws and regulations developed under the framework of the existing banking financial institutions fair competition.

It is noteworthy that except for the three pilot banks, Alibaba and Wanxiang Holding Co., Ltd. in Zhejiang Province, and Junyao Group and Fosun Group in Shanghai are also among the first pilot list of five private banks. However, Be the first batch of approved pilot organizations. Yang Liping, director of the CBRC supervision department, said that so far, the CBRC has yet to receive the application plans of the two banks. The CBRC has been keeping close contact with the chief sponsors of the pilot banks, but it must be acknowledged that there is still a need for further communication between the main promoters themselves, and in fact the approval of the pilot scheme is also strongly linked to the preparation of the sponsor program.

Shang Fulin yesterday revealed that it will continue to guide the preparatory team of the first two pilot banks to speed up the improvement and finalization of the preparation plan, expand the scope of the pilot projects in a timely manner and further mobilize the enthusiasm of private capital into the financial industry.

Sponsor promises to be at your own risk

At the same time, the sponsors of the three private banks have also voluntarily assumed more responsibilities in addition to funding to support the better development of pilot banks. The pilot banks all adhered to the principle of launching purely private capital, determined the arrangements at their own risk, and shareholders promised to voluntarily accept the extension of supervision. They will also formulate bank recovery and disposal plans before opening.

The relevant person in charge of the China Banking Regulatory Commission said that before the deposit insurance system was introduced, the banks were exposed to the risk of bankruptcy liquidation. These pilot banks promised to pay all or part of their deposits to the depositors with the net assets of the enterprises and the actual controllers' net assets. Due to the relevant provisions of the Commercial Bank Law and the Company Law, the CBRC made no mandatory joint and unlimited liability for the pilot banks this time.

He Ziyun, head of the banking department of the University of International Business and Economics, told reporters that private banks are at their own risk and belong to international practice. Such demands emphasize the bank's self-control of risk.

□ three questions

New things carry hope, but also face doubts. How will private banks bring impact to China's financial industry, small and micro enterprises and people? Will they be able to hand over satisfactory responses in alleviating the financing difficulties of small and micro enterprises and ensuring the safety of deposits?

1 asked small and micro enterprise financing can ease

The reason why people have great hopes for private banks is that they hope to ease the financing difficulties of small and micro-enterprises by developing private banks as a reform and innovation and "provide oxygen for the real economy."

"Private banks are mostly small and medium banks that serve small and micro businesses," said Guo Tian Yong, director of the China Banking Research Center at the Central University of Finance and Economics. Most of the private bank promoters are private companies themselves, and they understand the needs of small and micro enterprises. In fact, large customers have basically been partitioned by the big banks, and later private banks will firmly grasp the small and micro enterprises as the core business.

It can be predicted that in the future private banks may become the main force serving small and micro enterprises. However, only the first batch of pilot private banks is only allowed to build three. Currently, the financing of small and micro enterprises in the short term can hardly be fundamentally reversed.

2 How to compete with the big banks

Guo Tian Yong believes that the private bank promoters with Internet companies will inevitably bring about new ideas and new practices in Internet finance. I believe private banks will form "catfish" effects in the financial field, bringing new ideas to the development and innovation of the financial industry.

However, the development of private banks can not be blindly optimistic. Zhong Wei, director of the Center for Financial Research at Beijing Normal University, said that the state-owned banks' deposit advantages make their capital costs relatively low, and private banks can not compete with them and their competitiveness will be affected. However, private banks can tap their own advantages in terms of service processes and service quality.

3 ask the people can guarantee deposit security

If you have a private bank nearby, will there be money there? How many people there will be some doubts.

"The sponsors of the three private banks have voluntarily assumed a lot of responsibilities outside the capital contribution and have determined the arrangements at their own risk, for example, the sponsor voluntarily promised that if the bank is under bankruptcy liquidation and the funds are not sufficient without the establishment of a deposit insurance system To pay, will be the net assets of the enterprise or the actual controller of the net assets of depositors to pay in full or part of the deposit. "China Banking Regulatory Commission, Yang Li-ping, director of the two, through this arrangement to enhance public confidence and maximize the protection of consumer interests.

Zhong Wei believes that the construction of private banks is the CBRC's selection, gifted election, no matter from the promoters and shareholders of the asset status, or risk control system are good, the risk of the problem is low. "However, with the further relaxation of the establishment of private banks in the future, the possible problems will gradually emerge."

"Deposit insurance system is expected to introduce during the year, will largely resolve the people worried." Guo Tian Yong pointed out.

According to Yang Liping, the CBRC is studying the drafting of guidelines for the regulation of private banks, regulating the pilot banks by specialized agencies and personnel, and in particular, strengthening the supervision of connected transactions by private banks, such as encouraging shareholders to voluntarily waive the right to obtain loans from the Bank.

□ list of those who say

Tencent will rely on Internet service small and micro enterprises

This reporter has learned that led by Tencent Shenzhen Qianhai Bank, will focus on serving individual consumers and small and micro enterprises. The future will rely on the Internet platform to cooperate with other financial institutions to carry out business.

As for the scope of the business and the existence of stores in Shenzhen Qianhai Weizhong Bank, Tencent said that the specific model still needs to be officially announced at the time of opening, "but for sure, we will make more use of the Internet." According to reports, Qianhai Bank, Shenzhen Qianhai Bank will be "inclusive finance" as the concept, the main face of individual or business micro-loan needs. The future will use the Internet platform to conduct business, relying on the platform, in cooperation with other financial institutions to carry out business. The bank's risk control introduced a state-level bank risk control system, on the basis of which Tencent would import the technical capabilities of the Internet and use technologies such as big data to conduct business risk control.

Ai Yi media consulting CEO Zhang Yi said that as a major shareholder of Qianhai Bank in Shenzhen Qianhai, Tencent will micro-channel, QQ and other multiple traffic entrances generously to the micro-public banks.

Before the outside world once heard Tencent shares of the bank called "Penguin Bank", but now eventually finalized the name of "Shenzhen Qianhai Bank," the English name "Webank."

In response, many users are a little disappointed to speak on the Weibo: "Well," Penguin Bank? "

For the name of "micro-public", Tencent told reporters from the name to understand that "We (we)" represents a group of innovative spirit. Tencent hopes to connect consumers, individuals, small and medium-sized enterprises, and outstanding financial institutions through the Internet to form a sound financial ecosystem. Through cooperation, support and deployment of resources among themselves, Tencent will create an innovative community in banking and finance. More individuals and SMEs and entrepreneurs to provide special services.

Zhengtai Bank shareholders are all local private enterprises

Xu Zhiwu, vice president of Chint Group, interviewed this newspaper yesterday said that the establishment of Wenzhou Commercial Bank, from the ownership structure point of view, it is a purely private capital investment bank, its shareholders are all privately-developed in Wenzhou enterprise.

Wenzhou is rich in private capital. Wenzhou Financial Office reports that as much as 800 billion yuan of private capital in Wenzhou is growing at an annual rate of 14%. At the same time, a large number of private SMEs in Wenzhou are still facing difficulties in financing and financing. Xu Zhiwu said that after Wenzhou was allowed to become a pilot city for financial reform, the municipal government and Wenzhou enterprises are all trying hard and hope to make some breakthroughs in the reform of the financial system. The establishment of this private bank can explore some ways to ease the real estate economy in Wenzhou, "private capital is more difficult to invest in small and medium enterprises, financing difficulties," "more than two dilemmas" approach to the existing banking system play A good supplement, can increase the competitive financial supply to the real economy and enrich the banking service system.

Xu Zhiwu said that in addition, private banks in Wenzhou are more familiar with the local situation, with low information costs, and relatively low credit costs for banks, which can help promote the small and medium-sized micro-enterprises in Wenzhou.

According to reports, the next step in Wenzhou BMB will refine plans and plans, in accordance with the preparation of construction work, refine outlets, places, systems, personnel and other work for the early opening of the conditions to submit the opening application to the China Banking Regulatory Commission.

□ Outside the list Ali private banks to build in the active preparation

According to the list of pilot private banks at the beginning of the year, in addition to the three banks approved to be established, the pilot list of the first batch of five private banks also includes the private banks jointly sponsored by Alibaba and Wanxiang, the sponsors of Junyao Group and Fosun Group Of the private banks, the two banks are not approved this time to build the list.

In this regard, Ali small micro-financial services group (chips), vice president of Yu Shengfa yesterday said that at present, the micro-Jinjian participation in the preparation of private banks are actively preparing for various possibilities and directions for the full feasibility studies, follow-up to have further progress will be Disclosure to all walks of life at any time. It is understood that Yu Shengfa served as governor of Hangzhou Bank for many years last year, Hangzhou City Finance Office as Deputy Director, joined Ali Ali Microtech in February this year as vice president, will be specifically responsible for Alibaba's private banking project.