Digital Financial Weekly | 2022 my country System Important Bank List Release

I. Bank

1. The central bank and the Banking Insurance Regulatory Commission released the list of important banks in my country in 2022

In order to strengthen macro -prudential management and strengthen system importance bank supervision, in accordance with the "System Important Bank Evaluation Measures", the People's Bank of China and the Bank of China Insurance Supervision and Administration Commission have carried out the evaluation of the my country System Important Bank in 2022 to identify 19 domestic systems. Important banks, including 6 State Commercial Banks, 9 joint -stock commercial banks, and 4 urban commercial banks. According to the system importance, scores from low to high into five groups: the first group of 9, including China Minsheng Bank, China Everbright Bank, Ping An Bank, Huaxia Bank, Ningbo Bank, Guangfa Bank, Bank of Jiangsu, Bank of Shanghai, Bank of Beijing; There are 3 groups in the second group, including CITIC Bank, China Postal Savings Bank, and Pudong Development Bank; the third group of 3, including Bank of Communications, China Merchants Bank, and Industrial Bank; Banks, Agricultural Bank of China; no banks enter the fifth group. 【Central Bank】

2. The total assets of Beijing banking industry exceeded 3 trillion yuan, an increase of 121% in the past ten years

On September 8th, Li Mingxiao, director of the Beijing Banking Regulatory Bureau, introduced the development of the Beijing Banking Industry Insurance Industry for nearly ten years at a routine conference on the CBRC. It is reported that at the end of June this year, the total assets of Beijing's banking industry increased by 121%, and the first time in June this year exceeded 3 billion yuan. Li Mingxiao said that in the past ten years, it is ten years for Beijing's banking insurance industry to achieve high -quality reform and development. The total assets of Beijing's banking industry increased by 121%, and various loans increased by 134%. Among them, manufacturing loans and small and micro enterprise loans increased by 95%and 302%, respectively. At the end of June 2022, the total assets of Beijing's banking industry was 30.8 trillion yuan, of which 12.8 trillion yuan of loans, an increase of 127%and 149%over the end of 2012; the non -performing ratio was 0.77%, which continued to maintain a low level in the country. In the past ten years, a total of more than 300 billion yuan in non -performing loans. 【Beiqing.com】

3. After half a year of the governor, Guan Wenjie, deputy president of Huaxia Bank, may be promoted

Recently, many sources confirmed to reporters that about half a year after the governor of Huaxia Bank's president, the relevant candidates have been released. Guan Wenjie, who is currently the vice president of Huaxia Bank, may be promoted to the president. People who are close to the bank said that Guan Wenjie's presidential candidate is in the publicity period. Guan Wenjie's appointment also needs to be approved by the relevant process of listed companies and the qualifications of the regulatory authorities. Public resumes show that Guan Wenjie is the first vice president and financial officer and chief financial officer of Huaxia Bank. 【21st Century Business Herald】

4. Boyin Finance is approved and opened, with a registered capital of 2 billion yuan

On September 9, the official website of the China Banking Regulatory Commission disclosed that Boyin Financial Co., Ltd. (referred to as "Boyin Finance") opened. Boyin Financial Management became the seventh house in the year, and the 29th bank wealth management subsidiary in the industry was approved. Boyin's registered capital of 2 billion yuan, the registered place is Tianjin. According to the mid -term performance of Bohai Bank this year, during the reporting period, Bohai Bank issued a total of 258 wealth management products, with a total sales amount of 595.989 billion yuan. As of the end of the reporting period, the bank had 365 continuity wealth management products, and the balance of wealth management products was 195.899 billion yuan. The chairman of Boyin Finance is Wu Siqi, and Wu Siqi was the vice president of Bohai Bank. 【WEMONEY Research Room】

5. Suzhou Bank applies for the establishment of a public fund company

On September 8th, according to the information of the Securities Regulatory Commission website, Suzhou Bank submitted the materials for the "Public Fund Management Company Establishing Qualification Approval" and "Public Fund Management Company Applying for Private Equity Management Business Qualification Approval" materials, planning to establish a public fund management company and apply for private equity Asset management business qualifications, the CSRC has received relevant materials. 【WEMONEY Research Room】

2. Consumer finance

1. The issuance interest rate is as low as 2.4%, and Internet companies consumer loan ABS recovery

The once silent Internet consumer loan asset securitization (ABS) market is lively again. Earlier, the Golden Realm learned that as early as 2022, Ant Group was affected by ABS, and the two agencies had fully suspended the issuance of consumer financial asset securitization products. After a few months, the suspended corporate consumer loan ABS issuance was restored. According to statistics from the golden industry, Internet companies consumer loan ABS, which is currently only in the approval (received and feedback from the Shanghai Stock Exchange or Shenzhen Stock Exchange), reached 63 billion yuan. In terms of financing costs, it has fallen below "3", a record low in recent years. Some investment bank practitioners believe that consumer financial assets have the characteristics of massive, small, and decentralized, and the yield is not low, and it is currently being popular. He said, "Agricultural and Commercial Banks are fighting forward, and ABS issued by an Internet company can even be bought by 'grabbing'."

2. During the year, 18 consumer finance company executives change

In fact, the changes of consumer finance companies are first reflected in the changes of the company's executives. Since the beginning of this year, the executives of licensed consumer finance companies have changed frequently. According to statistics from the approval information of the CBRC's official website, the "Financial Times" found that from January to August 2022, a total of 18 consumer finance companies' chairman, president, deputy president, general manager and other positions changed, involving about 30 about 30 Executives. Among them, 5 companies of Jin Shang Consumer Finance, Recruitment Finance, Shangcheng Consumer Finance, Suning Consumer Finance, and Jinmeixin Consumer Finance have replaced the chairman, Xiaomi Consumer Finance, Jincheng Consumer Finance, and Jin Commercial Consumer Finance. President, four companies, Beiyin Consumer Finance, Suning Consumer Finance, CITIC Consumer Finance, and Mongolian Commercial Consumer Finance, replaced the general manager. It can be seen that among the consumer finance companies involved in the changes in executives, there are many head financial consumer companies. [Financial Times] 3. The first ABS! Changyin May Eight Badge has doubled its net profit last year, only recruiting a master's degree

In February 2022, the Hunan Banking Insurance Regulatory Bureau issued an announcement that the qualifications of Hunan Changyin May Eighth Consumer Finance Co., Ltd. (hereinafter referred to as "Changyin May Eight Ending Gold") were approved by the qualifications of the credit asset securitization business. Today, after a lapse of half a year, Changyin May 8th Period Consumer Loan Asset Support Securities (ABS) was finally issued smoothly. Earlier, Changyin May Eight was the first deposit company in the industry to test the second -level capital debt. Although it was not approved in the future, it can be seen that while the business grows at a high speed, the company's capital increase and blood demand is urgent. According to the financial report, as of the first half of 2022, the net profit of Changyin May Eight has doubled the profit, which can be called "small prosperity". In terms of business model, the company has always insisted on the offline exhibition industry, expressed insisting on "going to intermediary marketing", and said that "only recruits a master's degree", and the customer manager "only recruit men". 【Golden Realm】

3. Fintech

1. The central bank accelerates the standardization of the digital RMB system

On September 8th, Fan Yifei, deputy governor of the People's Bank of China, delivered a keynote speech at the China (Beijing) Digital Financial Forum in 2022, mainly sharing the experience of digital RMB ecological development, innovation applications, and unified acceptance standards. He said that it is necessary to accelerate the standardization of the digital RMB system from the dimensions of information interaction, business processes, and technical specifications. To promote the connection between the digital RMB system and traditional electronic payment tools, consumers can "scan one yard", and merchants can support various payment tools without increasing costs. Fan Yifei pointed out that at present, the central bank has achieved staged results in the construction of the digital RMB ecosystem. Practice has proved that the "double -layer operation" structure is the optimal solution to build an open digital RMB ecology, which has also been widely used by central banks from various countries. 【Securities Times】

2. Mango Micro Loan access to the second -generation credit reporting system

On September 5, a small loan company under Mango Satellite TV has access to the second -generation credit reporting system and has become the first small loan institution in Hunan Province to directly access the second -generation credit reporting system. On August 26, Hunan Happy Tongbao Micro Loan Co., Ltd. reported that Happy Tongbao Micro Loan realized the function of the second -generation credit reporting system. 【Consumer Finance Channel】

3. UnionPay Business Lishes Transfer China Jin Tongsheng Small Loan controlling stake

On September 6th, the official website of the Shenzhen United Property Exchange shows that UnionPay Business was listed to transfer Chongqing Zhongjin Tongsheng Micro Loan Co., Ltd. to control equity. After the equity transfer is completed, UnionPay Commerce can continue to provide cooperative support for small loan companies, channel resources, and merchant coverage. China Jin Tongsheng Small Loan was established in September 2017, with a real -registered capital of 700 million yuan. UnionPay Commerce holds 100%equity. The main business scope includes the development of various loans, bills discounting, asset transfers, and ownership of its own funds. Wait. 【Conducting Society】

4.AI Unicorn's Fourth Paradise Three Delivery Metropolitan Stock Exchange. It has a cumulative loss of nearly 4 billion yuan since 19 years.

According to the announcement of the Hong Kong Stock Exchange, Beijing Fourth Formulative Intelligent Technology Co., Ltd. applied for listing for the third time the Hong Kong Stock Exchange, and Goldman Sachs and CICC were joint sponsored sponsors. Earlier, the fourth paradigm was recorded on August 13, 2021, respectively on February 23, 2022. According to the prospectus, the fourth paradigm focuses on enterprise customers and focuses on the development of artificial intelligence software centered on the platform. Financial information shows that the revenue of the fourth paradigm in 2019, 2020, 2021 and as of June and June 2022 was 460 million yuan, 942 million yuan, 2.18 billion yuan and 788 million yuan and 1.058 billion yuan, respectively. Essence During the same period, shareholders should account for about 717 million yuan, 750 million yuan, 1.786 billion yuan and 1.184 billion yuan and 567 million yuan, respectively. Based on this calculation, an average of 90 million has been lost every month since 2019. 【Financial Association】

- END -