The eight mysteries of Suning Bank to be solved: what are the mysterious shareholders

A Suningyun business to prepare the news of commercial banks, became the focus of financial market attention yesterday. What kind of bank will the future Suning Bank (tentative name) be? What mysterious shareholders does it have? Under the background of interest rate marketization and the general decline of bank net profit growth, why is this new bank based on the market? Due to the limited public information, the new bank left too much suspense on the market ... What type of bank is it? What are some of the mysterious big shareholders when they get their licences? If the Suning bank passes the heavy examination and approval of the supervision layer, the issue of its attribution is worth discussing. From the perspective of institutional classification, banking financial institutions are mainly divided into large commercial banks, joint-stock banks, city commercial banks, rural commercial banks and foreign banks, if the Suning bank and other private banks enter, how to divide? In fact, since the establishment of Minsheng Bank in 1996, there has been a full 17 years, there is no new batch of private banks, and Minsheng Bank is grouped into a class of joint-stock banks. "The current domestic banking division for the sole proprietorship, cooperation and joint-stock, most of the city firms, agricultural firms are also joint-stock banks, so the nature of Suning Bank should be joint-stock commercial banks." "A person in the industry thinks. According to public information, from the current 373 mainstream commercial banks in China, 95% are central government, local governments, large state-owned enterprises and local government platform companies Holding. Five big banks don't have to say. In 12 joint-stock commercial banks, only Minsheng Bank, Ping An bank is a private enterprise holding. In 144 City firms and 212 agricultural firms, there are only 14 small private banks in Jiangsu and Zhejiang, and the market share of private banks is very small. There are also market participants that how to position is not important, it is important to enter the market, to have an equal competitive environment, and independent management. It has some of the mysterious shareholders of Suning Bank of what kind of shareholder team, which is also one of the biggest suspense. Because the public information is limited, the only Suningyun that can be learned will be one of its founders ' shareholders, but it is certain that Suningyun business is absolutely impossible to be the sole shareholder of Suning Bank. Although since last year, the CBRC has loosened the restrictions on the launch of commercial banks, the single shareholder of joint-stock banks allowed more than 20% of the limit, but the pattern of the diversification of commercial banks will not change, who will be the future of Suning bank shareholders, is still a suspense. Industry analysis, Suningyun may be the first major shareholder of Suning Bank, but should not become a controlling shareholder. Suning Bank, although it appears as a private bank, but is unlikely to be completely divorced from the background of state-owned capital, it can be foreseen that the newly established bank will still have the background of state-owned shareholders, may be the local state-owned enterprises in Jiangsu Province, or the state-owned venture capital institutions. A senior trader, who declined to be named, said Suningyun, even the biggest shareholder of Suning Bank, is still not authorized to designate the bank's chairman. "From the Company law level, the chairman of Suning Bank should be elected by the shareholders ' meeting and the Board of directors, but in fact the bankWithout the approval of the CBRC, it is unlikely that the CBRC will be approved if the shareholders ' meeting makes a unilateral decision about the appointment of the Chairman. So far, the chairman of the bank has not had a precedent to be assigned by the people. said the broker. When to get a license Suningyun business related people to Beijing newspaper reporter said, for industrial planning, trademark protection considerations, has already registered some Suning related domain names, such as Suningbank, Sunanbank and so on. At present, in response to the CBRC's June policy of "encouraging and guiding the implementation of private capital into the banking industry", Su Ning is actively carrying out the reporting work of Suning Bank. It is unclear when Suning bank will get a bank licence. In early July this year, the State Council issued the "Guidance on financial support for restructuring and upgrading of economic restructuring," said the "attempt by private capital to launch the establishment of private banks at risk." After this, the private capital into the banking industry hopes to increase, the first batch of private banks are expected to launch the year, Beijing, Wenzhou and other local private enterprises are actively applying. It is understood that if you want to apply for a commercial bank in addition to the Trade and Industry Bureau to carry out the name approval process, but also through the central bank, the Banking Regulatory Commission and the State Council approval, there is also the introduction of shareholders, the establishment of a series of senior executives and other processes, the first private banks Chun Capital Group chairman Hu previously publicly said, "not rich to give you a license plate, excellent experience, good team, strong IT systems, etc., this part of the threshold is higher." The timing is right. At the recent symposium on "focusing on private economy", a number of experts called for an accelerated establishment of private banks. However, some market participants believe that the private banks have some risks, at the same time the domestic economic growth slowed, interest rate marketization process accelerated, private banks at this time will be a huge impact and unsustainable. Guo, director of China Banking Research Center, Central University of Finance and Economics [Weibo] bluntly, do not need to worry about these, if the private banks do not enter at this time, the future may form a situation is the market competition, the commercial banks together to improve bargaining power, the market can never be truly market, but the bank The marketization of interest rate and the relaxation of private bank admittance are the opposite of a coin. If the interest rate is not market-oriented, but the financial institutions are greatly relaxed access, it will form a financial black hole, a large number of social capital will scramble to enter the financial industry, similarly, if the interest rate marketization and access does not relax, banks may use the position of relative monopoly but lead to a rise in loan interest Therefore, in the promotion of market-oriented interest rate competition, financial institutions should be significantly reduced access threshold. Zoshore, chief president of Galaxy Securities, said it supports the construction of private banks, a financial institution that serves the real economy, especially for small and medium-sized enterprises. However, private banks must not take the development model of large-scale expansion of large banks, private banks should be made into community banks, not to be made into national banks. How to build a professional team is worth mentioning is that private silverThe risks of the row are still worth paying attention to. Guo that a big risk is "worry about private entrepreneurs or private capital do not understand banks." However, in the case of Suning Bank, although Suningyun has begun to intervene in the field of Internet finance, the real bank Internet is only one aspect. An unnamed joint-stock bank related personage bluntly, under the normal operation situation, the private entrepreneur certainly will abide by the pledge. But, once the enterprise encounters the risk, facing the vital juncture, whether can still abide by the promise is hard to say. So in the process of setting up an executive team, the local government may also come forward to help find the right professional banker. "Private banks will certainly want to be free to choose executives from private capital, but now the key domestic market is relatively short of financial talent, only through the higher authorities to identify the choice of bank executives." The training of bankers has also become the most urgent task of China's financial reform for a long time. and private banks should be operated by private bankers rather than private entrepreneurs, and entrepreneurs operate their own or board of directors ' assets, the primary business objective is to maximize profits, the assets of bankers, in addition to shareholders own assets, most of them are people's deposits, bear a great social responsibility. The person explained in detail. Changes to the banking sector whether the entry of private banks will affect the existing banking system, a number of experts think it is temporarily difficult to affect. Xijun explained that the private bank is from quantitative to qualitative change process, for example, now a joint-stock bank has 100 trillion yuan of deposits, may be private banks only 10 trillion yuan of deposits, so it is completely difficult to shake the status of other banks. Guo also believes that one or two private banks may be tested this year, but because of their regional size, private banks will not have much impact on the existing banking system for 3-5 years. The current regulatory reluctance to set up private banks may still be a concern for some. For example, the private capital itself to the bank's understanding of the level is not high, or worry that private capital joint venture will produce the interests of banks and associated enterprises, and even risk of running away, these concerns are the public's main concern for the bank's banks. However, Guo added that although the size of private banks is relatively small, from the characteristics of banking services, small banks have their own operating flexibility to solve SME financing problems can play a role in promoting. Private banks may be able to play a "catfish effect" to improve the operating level and financial viability of the entire banking sector. Why it is based on the banking market a new bank is inseparable from the support of a large number of Shing, Shing is also the main source of bank profits, it directly determines whether a bank can be based on the market. After the establishment of Suning bank, how to expand Shing? In the opinion of analysts, the expansion of Shing is not too difficult for the future Suning bank. Strong shareholder background will give Suning bank a strong financial strength, 2012 Suningyun business income of nearly 100 billion yuan, the enterprise cash flow is very stable, if the Suningyun future will be the main fund account open to Suning Bank, thatThis business is enough for the new bank to support its operations. And more importantly, Suningyun Business is the channel, its upstream appliance manufacturers to Su Ning's channel dependence is very serious, Suningyun can fully use this advantage for Suning bank to bring a large number of enterprise customers, and Suningyun can request its suppliers and customers on the downstream to the Su Ning Bank must be settled, The future of Suning Bank is not worried about corporate customers. The analysts predict that the future of suning banking may be compared to other banks have a clear feature, that is, home appliances business customers may be its important source of customers. "In addition, Suning Bank will have other strong background strength of shareholders, these shareholders can bring a valuable source, the future of Suning Bank does not need too much retail business can support its operations, it has a good advantage." "Can become Minsheng second Suning Bank may become the first real private bank." "Back to the tree good shade", is preparing the Suning bank backed by Suningyun the star shareholders and many of the audience, will be like the people's Livelihood Bank, become the second people's livelihood. Xijun, vice dean of the School of Finance and Finance, Renmin University of China, private banks are like a business, not as a financial institution to be regarded as a business, the good or bad business needs corporate governance, reasonable structure, executive decision-making and so on. Dong Wenpei, chairman of Minsheng Bank, said when talking about the establishment of private banks, it is expected that five years later, the banking sector will be "three points in the world" situation, private banks accounted for 30%. However, if a bank does not have the characteristics and business model, it will be very difficult to operate. At the same time, he believes that the newly launched private banks in the fierce competition conditions in the first 3-5 years will not make money. However, there are a number of people in the electrical industry are more optimistic about the "Suning Bank," such as electric dealers cross-border financial model. "The electricity merchant has the abundant merchant resources, the customer resources also has the sufficient customer credit information, these are the bank's foundation." such as Japan's Mitsubishi and other enterprises have set up their own banks, through the business to support the development of finance. "A consulting firm CEO bluntly. Beijing Business News reporter Ching Yu Yuqing/Wenhu/cartoon Wang Fei/tabulation