National private banks apply for a surge

The national private banks to apply for a surge, Guangdong 3 Enterprises were selected finalists.

In late July, Yan, vice chairman of the CBRC, went to Guangdong for research and asked specifically about the preparation and declaration of private banks in Guangdong. 1 months later, 3 private banks in Guangdong province, the establishment of applications have been reported to the CBRC.

The survey learned that the above 3 private bank sponsors are Tencent Holdings, Xiangjiang Group and Sino-German industrial park, the future may be landed in Shenzhen, Zhanjiang and Jieyang, the total radiation Pearl River Delta and east and west wings. With the first private banks gradually approaching, the relevant concept stocks soared yesterday, with Tencent holding a record high.

"Although there are more than one private bank to apply for the report, but most of the program and the regulatory requirements of a larger gap between the approval of the year is very difficult." "People close to the regulator said.

Hong Kong prepares two sets of plans

According to the procedure, the private capital launches the declaration to set up the private bank, first must declare through the local city to the provincial government, the provincial government requests the opinion to the Finance Office, the revision then reports to the CBRC. Up to now, Guangdong has been selected to report to the CBRC 3 private banking programs, without exception from the Guangdong private enterprises with strong strength (cluster), the potential capital scale are more than billions of dollars. The small loan company, which had previously been the subject of speculation, was abandoned for launching a private banking scheme.

Even the 3 options selected are unique. South All reporter investigation learned that Xiangjiang group program mainly by its wholly-owned subsidiary of Xiangjiang Gold Control group, the main programme is through the acquisition of holding a bank or as a joint initiator of the existence of banks to obtain private banking licences. "In the past, we have also applied for the establishment of private banks to government departments, but they have not been approved." People close to the Xiangjiang group said to reporters in the south that "at the same time, 2 packages have been prepared, but from a realistic view, the acquisition of a holding bank scheme may be easier to achieve." ”

Public data show that at present, Xiangjiang Group and Bao New energy is the tied large shareholder of Guangdong Bank, accounting for 14 of the share ratio 1%, and the shareholding structure of Guangdong Bank, the total number of state shares held by central finance, local finance and government background platform company is only 10.51%. Some people from the Hong Kong group have confirmed to reporters in South China that the group is currently discussing the transfer of the state unit of the Guangdong bank with the relevant parties, but there is no result.

Tencent program from behind

Jieyang Sino-German industrial Park launched the establishment of private banks more characteristics, this is the only industry association led by the specific industrial clusters of private capital launched by the establishment of private banks (draft). It is reported that Jieyang metal eco-City project total investment of up to 150 billion yuan, including from raw materials production, product manufacturing to logistics hardware industry chain, as well as financial institutions, institutions of higher learning, research and development centers, logistics centers and a series of ancillary projects, Jieyang hardware industry to implement the transformation and upgrading of the main carrier As one of the important components, the establishment of a private bank has been the first to put on the agenda.

People close to the project told South reporters yesterday, backed by Chi's industrial base, the future of the "XX Industrial Bank" will be the main industry, and ultimately serve the industry. "Initiated by industrial capital, and then through financial leverage to service industry, to solve the hardware industry a large number of small and medium-sized enterprises financing difficulties, long-term goal is to radiate all metal industry enterprises in Guangdong." "At present, the bank's risk control, service model, senior management team and qualifications have been written into the draft, but before the final approval, it is not open to the public." ”

As early as July, when Yan, vice chairman of the CBRC, came to Guangdong for investigation, he specifically asked about the preparation and declaration of private banks in Guangdong when he met with the main leaders of Guangdong province. At that time, the Guangdong Provincial Finance office only mentioned the plan of Jieyang and Xiangjiang in the report, and did not mention Tencent. However, 1 months later, Tencent plan to catch up with the provincial government and reported to the CBRC. South all reporters to Tencent yesterday to consult the relevant situation, but as of press, did not receive any response. People close to the regulator said yesterday that Tencent's sudden shortlist would be more likely to benefit from its landing in the former sea, and Tencent's prominent advantage in technology and finance.

Private banking concept stocks soar

In August this year, the CBRC issued the revised "Implementation measures for administrative licensing of Chinese commercial banks", further relaxing the conditions for domestic financial institutions to initiate the establishment of Chinese banks. At the same time, the State Department has for the first time offered to push for private capital-sponsored banks. The policy attitude towards the establishment of banks by the high level is becoming clearer, which has led to the pursuit of "private Bank dream" by many enterprises.

Benefited from the concept of private banking gradually approaching, yesterday, the concept of private banking stocks soared. Tencent, which first exposed its private bank bid, closed at HK $412, a 2.44% rally and a new high since its IPO. At the same time, Xiangjiang Group's listed companies in Hong Kong Limited, red Bean shares due to the planning of the establishment of "Sunan Bank" also sealed the rise of the plate, Xiang Yi Rong, the Friends of the shares, Da Dongfang, Commodity city and so on have rushed up the plate. Suningyun, who proposed the establishment of "Suning bank", also rose more than 5% yesterday.

While the boom in private banks ' pilot campaigns continues, "I reckon many of these private companies will be disappointed." "A person in the industry believes that the private banking heat needs to think cold, from the regulatory point of view, risk prevention is placed in an important position, which means that the pilot number of private banks will not be many, the pace may not be faster than expected."

Industrial Securities Analysis Shi Zengxu said that from the current regulatory policy, the financial sector has also faced many obstacles. "Even the influential people, such as Alibaba, have always been secretive about the idea of opening a bank," he said. "He said," High level of initiative to untie open the determination of a strong, early investment in private banks listed companies are expected to usher in growth opportunities. ”

Up to one or two approved pilots in the year

"Although there are more than one private bank to apply for the report, but most of the program and the regulatory requirements of a larger gap between the approval of the year is very difficult." "People close to the regulator said," at present, most of the private capital initiated the establishment of private banks, whose original intention is to obtain the financial lever of the bank to feed the real industry, and in the vision of the regulator, the future private banks should have more characteristics and advantages in the science and technology finance and the convenience of service. Of course, the initiator's comprehensive strength, the financial field experience, the science and technology research and development strength and so on, also must examine the main point. ”

"The emergence of private banks must be after the reform of the interest rate marketization, but also after the establishment of the deposit insurance system." Guo, director of China Banking Research Center at the Central University of Finance and Economics, said, "The future will not exclude hundreds of or even thousands of private banks in China, but now we should first pilot exploration, accumulate experience, for the next step of large-scale opening ready." He predicted that only one or two private banks would be approved for trial during the year.