During the two sessions, a total of five private banks were set up to start the pilot this year

Xiao Qing reporter Guangzhou correspondent reported

During the two sessions this year, a total of five private banks have been set up for pilot projects this year. The first three private banks approved for establishment have surfaced. July 28, Huafon Spandex (002064.SZ) announced that from the China Banking Regulatory Commission website was informed of "China Banking Regulatory Commission on the establishment of commercial banks approved." Pursuant to the reply, the CBRC agreed to set up Wenzhou Commercial Bank in Wenzhou City, Zhejiang Province, agreeing to subscribe for the sponsor of 29% of the total share capital of Chint Group Corporation and agree to subscribe for the sponsor of 20% of the total share capital of the Bank .

Apart from CMB, the other two approved private banks are Shenzhen Qianhai Weizhong Bank and Tianjin Jincheng Bank respectively. Among them, Tencent, a hundred industry sources, set foot for the former sponsor of Shenzhen Qianhai Weizhong Bank, a hundred industry source for health yuan (600,380.SH) controlling shareholder; and North China, wheat purchase as the main sponsor in Tianjin to set up Tianjin Jincheng Bank .

In this regard, the same day, a listed company in Guangdong, the head of the 21st Century Business Herald reporter said, "As the main sponsor, our company has also submitted to the China Banking Regulatory Commission, the application materials for private banks, however, the company did not appear in the first batch Pilot list .This is like the IPO application queuing, the first card bit to say.Up to now, the company has put the newspaper's materials have been reported to the China Banking Regulatory Commission, waiting for the regulatory authorities at all levels of approval.For our company, it is estimated It will not happen until the first batch of private banks is in operation for some time. "

According to 21st Century Business Herald reporter also learned that excluding Shenzhen Qianhai Bank, including Guangdong, there are six private banks to declare, including Guangdong Federation of Industry and Commerce want to build a commercial bank, the Hong Kong Group intends to take the lead in the establishment of Guangdong Bank of Hong Kong, Jieyang Sino-German Industrial Park initiated the establishment of private banks, Midea Group (000333.SZ), Bao Xin Energy (000690.SZ) and Blonde Technology (600143.SH) and Royal Bank shares (002177.SZ) to apply for the establishment of private banks.

The first win because of speed

According to the person in charge of the listed company, among the first five private banks approved for trial, the reason why the above three private banks were allowed to start construction first is that the preparatory construction progress is faster than the other two pilot banks.

"As far as we know, at present, the supervisory layer's reporting and approval process for private banks is rather complicated and each step needs to be reviewed several times. First, after the sponsors submit their intention to apply for private banks, the CBRC will review the application. After that, the sponsor shall submit an application for establishment of construction again. Similarly, after the CBRC makes an application for approval of the preparatory establishment, the sponsor submits a preparation report for construction. Thereafter, the trial operation and the formal establishment of such processes need to submit the corresponding application report, with the approval of the CBRC The next step in the process, that is, each layer must be carried out layers of approval, therefore, it takes longer time. "The official said.

The person in charge stressed that in the layers of approval, each report must be submitted to re-submit application materials. For example, in the application stage of intention, only need to clear the main sponsor on it. But wait until the preparatory phase, it is necessary to clearly the sponsor shareholders. In the meantime, sponsor shareholders may choose to consolidate application filings, or they may elect to have their sponsor shareholders decentralize their applications to resubmit their filings. However, once one of the sponsor shareholders' identities has not been approved by regulators, all application materials have to be reviewed again.

It is noteworthy that, according to the list of the five pilot private banks established at the beginning of the year, in addition to the above three banks, the banks led by Alibaba and Wanxiang and banks led by Junyou and Fosun did not enter the final list this time.

In response, the relevant person in charge of the China Banking Regulatory Commission said on July 25 that the CBRC will continue to guide the preparation team of the other two pilot banks to speed up the improvement and establishment of a preparatory plan, summarize the pilot experience in a timely manner, expand the pilot scope in due course, and further mobilize private capital into the finance Industry enthusiasm. "In the next step, the CBRC will also study and demonstrate issues related to the expansion of pilot projects. In particular, the establishment of private banks in areas with weak financial services in the central and western regions, such as the establishment of private banks, should be strengthened and counseling should be conducted to promote the pilot expansion.

Earlier, the China Banking Regulatory Commission, Yang Liping, director of supervision of the two said to the media, so far, the China Banking Regulatory Commission has not received two other banks, including Ali, including the application program. It must be admitted that there is still a need for further communication between the main promoters themselves, and in fact the approval of the pilot program is also very much related to the sponsor's program preparation. However, well-known financial commentator Yu Feng Hui believes that Ali failed to catch up with the first bus run by private banks, mainly due to the unsuccessful game of power and interests between him and the partners.

Otherwise, market participants believe that Ali abandon the first batch of construction or with the current policy and Alibaba concept conflict. Previously, Ali, located in its own private bank development direction - no cash, no outlets, pure online banking. However, the current policy is very clear, bank accounts must be signed, that is, the mode of offline banks.

"For Ali, Alibaba will become a small bank in Hangzhou once it chooses to accept the offline mode, so it can not expand because the first batch of private banks have geographical restrictions, so Alibaba's network advantage Completely unable to reflect, and the existing network loan mode is not much difference. "The aforementioned market sources said.

In response, Yu Shengfa, vice president of Ali Micro-Financial Services Group, said in public: "At present, we are actively preparing for the process and fully demonstrating various possibilities and directions. We will disclose the follow-up action to all parties for further action."

Listed companies competing to line up

In addition, 21st Century Business Herald also learned during the interview that some listed companies that have proposed that private banks initiate applications are still competing for queuing cards.

The same day, Suning Cloud Business (002024.SZ), one of the private banking concept stocks, rose sharply in the afternoon with the highest increase of 9%. As of the end to close at 7.16 yuan, up 7.99%.

In response, Suning cloud securities department personnel on the 21st Century Business Herald reporter said, "The company initiated the private bank is still actively promoting the issue of which one with the latest progress, the company will promptly announce."

Previously, Suning cloud business announced the progress of private banks, said: "On September 12 last year, 'Suning Bank Co., Ltd.' the name of the State Administration for Industry and Commerce formally approved.According to feedback, Jiangsu provincial government in late September 2013 will Division I The formal written notification of private banking matters shall be submitted to the State Council and copied to the CBRC. "

Similarly, the two listed companies in Guangzhou Blonde Technology, Royal Bank shares also announced in late October last year, intends to establish with other private enterprises, "Guangzhou Huacheng Bank Co., Ltd.", the name has been approved by the Guangzhou Municipal Industry and Commerce Department in advance. In addition, another listed company in Guangzhou, Goodall new too (600728.SH) also participated in the preparation of Huacheng Bank.

The same day, the Ministry of Science and Technology Securities also said, "The company has submitted to the China Banking Regulatory Commission to apply the program once the results of the progress of the stage, the company will promptly disclose."

The Keller Technology (600260.SH) also on August 27, 2013 announcement that the company intends to spend 2 billion yuan to build "Jingzhou Bank." As the main sponsor of Jingzhou Bank (tentative name), if the application is approved, the company will become its largest shareholder.

In this regard, Keller Technology Securities Department said that the company has been doing the preparatory work for private banks, there is no substantive progress. The company has applied for an extension before the pre-approval of the name of Jingchu Bank expires.

April 3 this year, Po new energy also released a notice that the company intends to build a private bank set up the name "Merchants Bank Co., Ltd." retention period of two