2018-12-07 03:36:34 Source: 21st Century Business Herald
After the new regulations, small banks and & # 39; & # 39 sized b; capabilities & # 39; management & # 39; weak asset can make only "sales sales"? Some small banks and & # 39; sized said "no" to such judgments market and began preparations for the establishment of & # 39; subsidiaries of financial management.
Recently, the Shunde Rural Commercial Bank & # 39; Guangdong plans to hold a second extraordinary shareholders' meeting in 2018. One of the proposals is the "Proposal of Investing in Establishing & # 39; Financial Subsidiary", but the registered capital and place of registration are not disclosed.
For small banks and & # 39; sized to set up subsidiaries of financial management, the market always had different opinions.
Branch & # 39; branch of China Southern Exchange believes that the small banks and & # 39; sized enterprises, especially those in the central and western regions, m & # 39; have the ability to build assets and do not have the ability to invest in research. The ability to raise funds is by & # 39; her health. The future of the market model can & # 39; be dominated by a few large banks, and the role of small banks and & # 39; sized is more "sales sales".
However, small banks and & # 39; sized obviously not ready to become a role of & # 39; support & # 39; "delivery" under the asset management office.
The Shunde Rural Commercial Bank plans to establish a financial subsidiary
The Shunde Rural Commercial Bank is the first rural commercial bank to publicly propose the establishment of & # 39; & # 39 subsidiary; financial management. Since issued new regulations in asset management & # 39; April 2018, the regulatory framework for the management of bank wealth hardly became clear. Twenty banks have issued announcements or news about the establishment of & # 39; pipes of banking companies, including five major state banks, nine & # 39; joint banks and five commercial banks of the city. 1 rural commercial bank.
Among them, a subsidiary of ICBC Finance has the highest initial registered capital & # 39; RMB 16 billion; Ningbo Hangzhou Bank and Bank have initial minimum initial capital, which is the minimum & # 39; billion yuan to regulatory requirements.
The reporter 21st Century Business Herald has learned that the proposal Shunde Rural Commercial Bank to stop subsidizing financial management was approved by the board of directors of the bank and is approved by the meeting shareholders.
The Shunde Rural Commercial Bank has its headquarters in & # 39; Foshan City, & # 39; Guangdong. In 2009, changed to & # 39; rural commercial bank from Shunde Rural Credit Cooperative. Since the end of 2017, the total assets of the bank amounted to 295.796 billion yuan, an increase of & # 39; 13.97% by the end of 2016, total liabilities amounted to 2715.50 billion yuan, an increase of & # 39; 14.79% by the end of 2016.
With regard to the wealth management business, by the end of 2017, the balance of & # 39; & # 39 funds; wealth management is not guaranteed off-balance sheet was 23 432 billion yuan, dropped by 17.78% by the end of 2016. In 2017, the company realized sales & # 39; & # 39 products; personal wealth management & # 39; 85 098 billion yuan, realized open-end fund sales agency & # 39; 1.44 billion yuan, premiums & # 39; insurance & # 39; agency & # 39; 997 million yuan, sales agency & # 39; Precious Metal & # 39; 57 million yuan, and realized the wealth of wealth management revenue agency & # 39; 40.4368 million yuan. , An increase of & # 39; 38% on the year. The issue of cumulative products for wealth management was 601, b & # 39; total amount of & # 39; 226 434 billion yuan increased, adding & # 39; 10.39% on year.
Three ways & # 39; business & # 39; wealth management
Under the existing regulatory requirements, there are three forms of & # 39; future financial business for commercial banks: First, the establishment of & # 39; Financial subsidiary & # 39; independent legal entity. Under Article 14 of the new asset management, "After a period of & # 39; transition, a commercial bank with a business qualification & # 39; custodial & # 39; fund & # 39; investment & # 39; titles should establish a subsidiary with the status & # 39; independent legal person to perform the asset management business, and commercial bank can & # 39; administer asset management issued by the subsidiary. products, but should achieve a substantial independent hosting. "
Under this regulation, 27 commercial banks with qualifications & # 39; & # 39 custody; funds & # 39; investment & # 39; Current securities must establish subsidiaries & # 39; wealth management bank to conduct business & # 39; wealth management. However, there are still nine & # 39; banks did not make explicit plans to establish subsidiaries & # 39; financial management, postal banks in & # 39; big banks, Hua Xia Bank, Zheshang Bank, Bohai Bank and Bank Evergrowing bags. Shanghai Bank, commercial banks in Baotou city. Commercial Bank, Bank Jiangsu; In addition, there is Rural Commercial Bank & # 39; Guangzhou.