Digital Financial Weekly | Internet Plant Integrate Financial License

I. Bank

1. The first special borrowing of the "Insurance Transfer Building" in the country is in place

The person in charge of the relevant departments of the Banking Insurance Regulatory Commission said on September 23 that the momentum of real estate financial foaming was substantially reversed. Adhere to the positioning of "housing and not frying", focusing on the goal of "stable price, stable house prices, and stable expectations", and continuously improve the long -term mechanism of real estate financial management. According to reports, on September 22, the State Development Bank has paid the first special borrowing of the country in Shenyang City, Liaoning Province to support the Liaoning "Insurance Transfer Building" project. The CBRC actively promotes the support of the "preservation of the property and stabilize the people's livelihood", and instructs the bank to actively participate in the research of the solution to the hard gap in the hard gap in funding to cooperate with the orderly arrangement of the local government to compact the responsibilities of all parties, and do a good job of credit delivery with conditions. Tompassing "keeping diplomatic relations and stable people's livelihood"; cooperation with the Ministry of Housing and Urban -Rural Development, the Ministry of Finance, the People's Bank of China and other departments to introduce measures in a timely manner to improve the policy instrument box, and to support the construction of residential projects for overdue difficulty in sale through policy bank special borrowings, maintenance and maintenance, maintenance The legal rights and interests of the buyers should be safely maintained. 【China Banking Regulatory Commission】

2. Follow up the deposit interest rate of multiple shares to follow up

Recently, following the announcement of the 6th largest banks, the shareholding rate of RMB deposits was reduced, and joint -stock banks have followed up and adjusted. According to statistics, as of now, 10 shares such as CITIC Bank, Everbright Bank, China Merchants Bank, Pudong Development Bank, Minsheng Bank, Huaxia Bank, Ping An Bank, Xingye Bank, Guangfa Bank, Hengfeng Bank, etc. Announcement. 【WEMONEY Research Room】

3. Shanghai starts cleaning and standardized operations to crack down on illegal agencies on the bank insurance industry chain

On September 21, it was exclusively learned from the relevant channels that the Shanghai Banking and Insurance Bureau recently launched a special action of cleaning up and standardizing the financial intermediary activities, which aims to further regulate the cooperation between bank insurance institutions and various intermediaries within its jurisdiction to prevent relevant risks to the bank insurance system to the bank insurance system Dipping, discovering and cracking parasites on the bank's insurance industry chain, and promoting direct financial services to consumers. 【Shanghai Securities News】

4. China Merchants Financial Control officially unveiled

On September 18, the establishment and unveiling ceremony of China Merchants Financial Holdings Co., Ltd. was held in Qianhai, Shenzhen. As a wholly -owned subsidiary of China Merchants, China Merchants Financial Control is the first central enterprise financial holding company in the State Council's SASAC system. It is also the third financial holding company in my country and the first financial holding company in the Guangdong -Hong Kong -Macao Greater Bay Area. Public data shows that there are about 670 risks under the regulatory caliber of China Merchants Financial Control Supervisor. In the first half of 2022, the net profit of China Merchants Financial Business was 73.3 billion yuan, an increase of 5.7%year -on -year; as of the end of 2021, the total asset size was 10.4 trillion yuan, and the management asset scale (AUM) exceeded 19 trillion yuan. The group is ranked first. 【People's Daily Shenzhen Channel】

2. Consumer finance

1. Report of the Banking Association: The balance of consumer financial loans at the end of last year exceeded 700 billion yuan

The China Banking Association recently released the "Development Report of China Consumer Finance Corporation (2022)" (referred to as the "Report"). According to the "Report", as of the end of 2021, the number of consumer finance companies increased to 30, and the balance of loans exceeded 700 billion yuan, reaching 710.6 billion yuan, an increase of 44.2%year -on -year; The new crown pneumonia's epidemic has a large recovery compared to 2020. The compound growth rates of loan balances and total assets 2020 and 2021 were 22.6%and 22.8%, respectively, which was close to the average annual growth rate before the new crown pneumonia epidemic. 【WEMONEY Research Room】

2. Changyin May Eight Consumer Finance's first single ABS was successfully issued, with a total scale of 560 million yuan

On September 20, Hunan Changyin May Eighth Consumer Finance Co., Ltd. successfully issued the "First Generation of the first generation of personal consumer loan asset support securities (ABS)", with a total scale of 560 million yuan. Among them, the issuance scale of the first A file is 424 million yuan, the subscription multiple is 3.2 times; the issue scale of the first B file is 28 million yuan, and the subscription multiple is 3.0 times. This is the first time that Changyin May Eight Consumer Finance has made financing in an open market through the issuance of ABS. 【WEMONEY Research Room】

3. Consumer finance will issue another 1.05 billion ABS immediately

Recently, it will immediately launch the 10.5 billion An Yisai for the third phase of the personal consumer loan asset support securities in the third phase of 2022. In this period, securities are supported by 783 million priority A -grade assets, 105 million priority B -grade assets support securities, and 163 million -level asset support securities are jointly composed, accounting for 74.49%, 9.99%, and 15.52%, respectively. As of now, the Anyhua ABS initiated by consumer finance has been issued for 4 phases, with a total scale of 6.315 billion yuan. 【WEMONEY Research Room】

3. Fintech

1. The added value of the digital economy in Beijing in the first half of the year exceeded 800 billion yuan

On September 20, at the special press conference of the "two districts" construction of cultural tourism and digital economy, Wang Lei, deputy director of the Municipal Economic and Information Bureau, said that the Municipal Economic and Information Bureau adhered to the "two districts" digital economy work and global digital economy benchmark cities. The construction of "one game of chess" was promoted. In the first half of this year, Beijing achieved a digital economy added value of 838.13 billion yuan, accounting for 43.3%of the city's GDP, maintaining a good development momentum. 【Beijing Daily】

2. During the rectification of large factory financial licenses: JD.com, Du Xiaoman, and Ctrip have successively integrated Internet small loan licenses on September 20th. Since this year, the integration process of Internet small loan licenses has accelerated, and the clear retirement and capital increase have been synchronized. According to incomplete statistics from reporters, since this year, companies with JD.com, Du Xiaoman, Ctrip, Ping Anpu and others have multiple Internet small loan licenses to carry out the integration and retreat of relevant licenses. It is learned from a number of Internet platforms that Internet platforms, especially listed, and intended to be listed, are accelerating the integration of financial licenses. 【21 Finance】

3. Shenzhen proposes three years of fintech planning: build a city with international influence fintech center cities

The Shenzhen Local Finance and Administration Bureau recently released the "Shenzhen Special Development Plan for Fintech (2022-2025)" (Draft for Public Soliciting Opinions) and will hold a hearing in mid-October. The "Planning" proposes that by 2025, it will be built into a financial technology center city with international influence, including 5 parks and buildings that focus on the development of fintech as the focus of fintech to develop more than 10 internationally renowned internationally renowned well Fintech leading enterprises, etc. 【Yangcheng Evening News】

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