Everything is in the wind.

The rules shall be drafted by the CBRC, the central bank and the State Administration for Industry and commerce, and the State Council's Legal Affairs Office will report to the State Council for approval before it is finally promulgated and implemented.

"The rules were introduced early in November and later in December." "Wenzhou SME Development Association president Zhou told the China Business newspaper reporter."

It is reported that the first batch of private banks to be approved by the pilot may have 3, the current flower is still difficult to predict who home.

The positioning of private banks within the CBRC is a national bank, the future private banks can be like joint-stock banks, in the country, across regional operations. The CBRC, for regulatory reasons, tends to "big banks" ――100 billion or more, or "small banks" ――20 billion.

According to sources, private banking rules are now falling into the "big banks" or "small banks" debate. Among them, the establishment of the threshold is the focus of attention.

"There is no consensus within the CBRC on the issue of registered capital of private banks." There are two main points of view: one side advocated, not set the upper limit, but the threshold set from 10 billion yuan, the other side advocated 1 billion yuan, the upper limit of 2 billion yuan, first to engage in pilot. A source close to the CBRC disclosed to our correspondent.

These people said that the CBRC for regulatory considerations, tend to "big banks" ――100 billion or more, or "small banks" ――20 billion below.

"The big words, the threshold is high, 10 billion yuan, the national has this strength to set up the private bank few, the quantity is few, the management is easy." Small words, the threshold is low, 1 billion yuan, small bank funds Limited, can only be in one place, which facilitates local regulation. The above-mentioned sources said that the CBRC is most afraid of "China" of private banks, bad supervision.

"From the thinking of the CBRC: it is too big to have something to do with it, or it is too small to do anything." said the source.

And all over the understanding of the spirit of the CBRC, also have a tendency.

For example, the Guangdong Declaration and the private banks being declared are more likely to be "big banks". According to Guangdong's industry sources, Guangdong has 3 private banks to the establishment of the Banking Regulatory Commission, 3 private banks to set up applications from Guangzhou, Shenzhen and Jieyang, for Xiangjiang Group, Tencent Holdings and Sino-German industrial park.

The first two to declare 10 billion yuan, the latter one by 5 billion yuan declaration. And the 4th company in Guangdong Province to declare private banks will also appear. Industry insiders pointed out that the Guangzhou city has come forward to let blond technology led by the United Municipal Association of Industry and Commerce 30 Enterprises to declare the establishment of private banks, the current blond technology is preparing the material is also to 10 billion yuan to declare and design.

In fact, several private enterprises in Guangdong province "deep pockets", on the one hand, is to make national private banks, on the other hand, and the future of private banks, a rule.

"Although the CBRC and the central bank have not yet laid down the rules, there is already a plan for private banks to be positioned as ' national banks ' and ' cross-regional operations '," he said. The source said that the future of private banks can be like joint-stock banks in the country.

But the first to declare the establishment of private banks in Wenzhou is more inclined to "small banks." Zhou told reporters that Wenzhou has submitted two applications for the establishment of private banks, including one from the Ruian group of enterprises in China, and the other is by the warm business Lu Weiguo led a number of Wenzhou private entrepreneurs jointly apply for the "Wen Shang Bank." Zhou did not disclose two declared registered capital, but he said that the two private enterprises are based on village and township banks as the "foundation" of the design, so the registration funds in the declaration is not high.

The understanding of the local private capital in Wenzhou is that the private bank and the village bank are similar, only the "promoter of the village bank" is taken away, the village bank is the private bank.

"(private banks) registered capital threshold can even be reduced to 10 million yuan ~ billion." "Zhou admits," I do not agree to set too high threshold, now China already has more than 300 big banks, do not need to add big banks, China needs small banks, only small banks, will really serve small micro-enterprises. ”

The "local version" of the previous rule is "small bank" as the direction. "Private banks need to take out not less than 500 million yuan, not more than 1 billion yuan as a registered capital", "to serve the" three agricultural "and community banks in the form of legal operations, and in principle, not to set up branches outside the administrative region. ”

However, Guangdong's industry insiders believe that this is a no reference to the "local version" details. "It is impossible to 500 million ~10 billion let you engage in a private bank." Compared to the village and township banks, private banks are not subject to regional restrictions, and village banks can do business less than 20% of the general banking varieties, private banks are basically all business can do, such as interbank lending, bills discounting, so the financial strength requirements are very strong. "said one Guangdong insider.