The competition of private banks ' licences has been launched with favorable policies

Absrtact: By the policy is good, many have begun the competition of private banking license. At present, Beijing, Shanghai, Guangdong, Zhejiang and other land of the private capital began to run into the running, the latest news shows that, including Tencent, Fosun Group, auspicious airlines, including private enterprises

Through the policy is good, many have begun the battle of private banking licences. At present, Beijing, Shanghai, Guangdong, Zhejiang and other land of the private capital began to run into the field, the latest news shows that, including Tencent, Fosun Group, auspicious air, including private enterprises have submitted to the local Banking regulatory bureau, and as a financial reform experimental area of Wenzhou, naturally unwilling to be outdone. Recently, the reporter learned that Wenzhou has 5 of rural credit cooperatives restructured into commercial banks of the program has been reported to the Zhejiang Bureau of Banking and supervision.

Multi-private enterprises scrambling for licences

Recent news shows that Tencent has submitted applications from private banks.

The scramble of Tencent to join the first single private bank has aroused great concern in the market. This also makes the financial reform and opening up the time of the big change in advance.

Earlier, the news that Ali applied for bank was also spread, although later media said Alibaba Small Micro Group CEO Pengley publicly denied, but Alibaba indeed on the road of financial strategy is gradually widening.

Also for the coveted private banks have long been the electronics retail giant Su Ning has become the focus of attention of the industry. Following the registration of Suning last April to protect the "suning Bank" domain name, Su Ning has formally confirmed to the outside world to apply for the establishment of private banks. At the same time, the industry is expected to build a good logistics platform, the intention and Ali financial isolation to challenge the Beijing East is also speeding up the pace of cross-border financial sector.

The electric trader has been to the beat, industry also has followed up, including Fosun Group, auspicious aviation and so on big capital also is scrambling to submit the application, and as the financial reform experimental plot of Wenzhou, natural not to be outdone. Recently, the reporter learned that Wenzhou has 5 of rural credit cooperatives restructured into commercial banks of the program has been reported to the Zhejiang Bureau of Banking and supervision. This way of transforming the private capital into the banking sector through the reform of the rural credit cooperatives will be the focus of the financial reform in Wenzhou this year, and the private banks should be allowed to land in Wenzhou.

Wenzhou Financial Office in a survey report said that Wenzhou people's capital as high as more than 800 billion yuan, and annual growth rate of 14%. Since the implementation of the comprehensive financial reform in Wenzhou, there have been 11 leading private enterprises set up 11 village and township banks, more than 10 small loan companies to declare the transformation of village and township banks, a number of private enterprises to declare the establishment of trust companies and other financial institutions. The three types of "people-funded licensing" of financial institutions have been approved by the audit, respectively, the competent departments of Zhejiang Province and China Banking Regulatory Commission. The preparatory experience for the public-funded financial institutions laid the foundation for the Wenzhou pilot's own risk-funded bank.

Industry insiders predict that between November and January this year, it is likely to selectively approve one to three private banks in Wenzhou, Beijing and Shenzhen, which will complete the audit and verification of shareholder qualifications. If it goes well, the first private bank in the country will be approved for opening next March.

Registered capital needs to take out 500 million ~10 billion

Pilot scheme for private banks reported

With the deepening of financial reform, the "bank dream" of private enterprises is gradually approaching. How high is the entry threshold for private enterprises to open banks? What are the requirements of the shareholding structure? How wide is the business scope? Believe that all the private bosses are very concerned about. According to the media, the country's first local edition of the pilot private banks supervision and management measures (the discussion draft) (hereinafter referred to as the "method") has been completed to the CBRC, and by the CBRC as a "model", as a national version of the important reference. "Method" to the establishment of the threshold of private banks, shareholder qualification, equity changes, corporate governance and institutional revocation and other aspects of the comprehensive provisions.

In the establishment of the threshold, private banks need to come up with a one-time not less than 500 million yuan not more than 1 billion yuan as a registered capital, after the establishment of the development situation gradually increase capital. Specific implementation, the regulatory level, the private banks in different regions, within the stipulated scope, will take the registration of capital differential requirements.

In terms of shareholder qualification, the method stipulates that the shareholders of private banks shall not exceed 20 in principle. The largest shareholder and its associated party shall not exceed 20% of the total share capital, other corporate shareholders and affiliated parties shall not exceed 10% of the total share capital, and the proportion of a single natural person shall not exceed 2% of the total share capital, and all natural persons shall not hold more than 20% per cent of the total share capital.

Among them, the main sponsor asked for a continuous profit in the last 3 fiscal years, and over the three-year period after the year-end allocation of net assets accounted for more than 30% of the total asset. Other promoters requested continuous profits in the last 2 fiscal years. And all sponsors of the investment funds must be true and legal, not to borrow money to buy shares, not to be entrusted to other people's funds.

Grounding gas

The shareholder of private bank demands localization

Private enterprises can run banks, which makes many small loans and guarantee companies full of anticipation. The scheme stipulates that the natural persons who have taken stakes in the small loan company, the guarantee company and the pawn shop will limit the amount and the authority of the private bank. In addition, the shareholders of private banks should be localized, with local household registration, so that the regulatory layer easier to control the risk information. But how to limit the Promoters ' equity investment balance and other key points, the CBRC and related departments are still under discussion.

In terms of operation, the "measures" stipulates that the private banks should be based on the credit business, to serve the "three rural" and the form of community banks to operate legally, and in principle do not set up branch offices outside the administrative regions.

In terms of corporate governance, the regulatory authorities said that private banks may adopt a "three-tier" model, namely, the general meeting of shareholders, the board of directors, the supervisory board and the management model. In the aspect of risk prevention, the "method" stipulates that the shareholders of private banks should undertake to continue to replenish capital for banks, rescue them in the event of liquidity risk, and commit themselves to risk fallback. After the bank uses the capital to bear the risk, the shareholder undertakes the joint responsibility to the residual risk, carries on the payment to the depositor.