WEMONEY Research Office · Digital Finance Week

1. [Bank]

1. The China Banking Regulatory Commission: 1651 village and township banks nationwide, 122 are high -risk

On June 23, according to data from the CBRC, as of the end of 2021, the number of villages and towns across the country was 1,651, accounting for about 36%of the total number of banking financial institutions across the country. According to the statistics of the central bank, as of the second quarter of 2021, a total of 122 village banks were high -risk institutions, accounting for about 29%of all high -risk institutions. In order to resolve risks, the mergers and reorganizations of some village banks are also steadily advancing. 【First Finance】

2. CBRC: Dynamic monitoring of financial operations and risk conditions, dynamic monitoring

On June 23, at the "Ten Years of China" series of theme press conferences, when talking about the focus of deepening financial reform, Chen Yulu, deputy governor of the central bank, mentioned that: System, compact regulatory responsibility and risk disposal responsibilities. Accelerate the introduction of local financial supervision and management regulations, clarify the responsibilities and authority of local financial management, and achieve high synergy with central financial management. Vigorously promote financial data governance, improve the level of fintech, and implement dynamic monitoring of financial operations and risk conditions. Putting the access of good financial institutions, strengthen the penetration and supervision of shareholders of financial institutions, and strengthen the identification and crackdown on illegal financial activities. 【WEMONEY Research Room】

3. Audit Office: 23 small and medium -sized banks have disclosed less than 170 billion yuan in non -performing assets

On June 21, the website of the Audit Department released the "Audit Report on the Examination of the State Council on the implementation of the Central Budget and other fiscal revenue and expenditure in 2021". Asset management company. Track the flow of credit funds of five large banks. The main problems found in audit include small and medium -sized financial institutions, weak operating risks, weak internal control, inadequate external supervision, and deformed samples in the implementation of inclusive financial policies. Specifically, 23 small and medium -sized banks disclosed less than 170.962 billion yuan in non -performing assets; 4 large banks increased the loan of 8.718 billion yuan of inclusive small and micro -enterprise loans through artificially regulating loan enterprises, and 2.496 billion yuan actually flowed to real estate or large groups. 【WEMONEY Research Room】

4. Gao Sheng ICBC Financial, which is constructed by ICBC Finance and Goldman Sachs, was allowed to open

On June 24, ICBC issued an announcement saying that recently, the bank's wholly -owned subsidiary ICBC Financial Co., Ltd. received regulatory approval and has approved the Goldmansachs Asset Management (L.P.) Gaosheng ICBC Financial Co., Ltd. ("Gao Sheng Industrial Bank Financial") opened by the joint venture. In the next step, ICBC will promote the financial management of ICBC to perform relevant procedures in accordance with laws and regulations and regulatory requirements, and promote Gao Sheng ICBC Financial Management to open and operate as soon as possible. 【WEMONEY Research Room】

5. The capital increase plan of the online commercial bank is approved by the Banking Insurance Supervision Council, which will start a new round of capital increase and share expansion

On June 23, according to the publicity information of the CBRC website, the CBRC officially approved the "Request of Zhejiang Online Commercial Bank Co., Ltd. on Approval of Approval of Capital Increase and Expansion Plan", and agreed to the capital increase and expansion plan of the online commercial bank. According to the approval, online merchant banks will follow up a series of approval procedures such as shareholder qualification review and registered capital change. Through this capital increase, the core first -level capital of the online merchant bank will be further effectively supplemented. This is the second time that online merchant banks have been increasing and expanded. At the end of 2019, the online merchant bank completed its first capital increase, and the registered capital increased from 4 billion yuan to 6.571 billion yuan. 【WEMONEY Research Room】

2. [Consumer Finance]

1. If you have not applied for "loan", one -click authorization partner, Xiaomi consumer finance joint loan provides controversy

Because of the "not applying for a loan, the credit report is inexplicably added to the loan record", the first licensed and elimination institution Xiaomi consumer finance initiated by the Internet company has recently aroused the attention of many consumers and public opinion. Regarding the situation reported by consumers, the reporter interviewed Xiaomi Consumer Finance on June 20, and invited a number of users to test the loan products of Xiaomi Consumer Finance. One -click authorization operation during the loan process caused controversy. 【Beijing Business Daily】

2. Shangcheng Consumer Financial legal person changes

Recently, Shangcheng Consumer Finance has undergone industrial and commercial changes, and the legal representative has changed from Shi Hongmin to Yang Yan. At the same time, with the adjustment of multiple internal executives, including the new supervisor Lu Aihua, and the new directors Huang Cheng and Zhao Jun. At the end of April, the Shanghai Supervision Bureau of the China Banking Regulatory Commission announced the "Shanghai Shangcheng Consumer Finance Co., Ltd. on the Qualifications of Yang Yan as Chairman of the Company", and approved Yang Yan to replace Shi Hongmin's chairman of Consumer Finance, but at the time The representative is still Shi Hongmin. After the change of industry and commerce, Shi Hongmin not only stepped out of the legal representative of Shangcheng Consumer Finance, but also withdrew from the ranks of directors, and no longer served in Shangcheng Consumer Finance. 【Consumer Finance Channel】

3. Change of Ant Consumer Finance Deputy General Manager

Today, the deputy general manager of Ant Consumer Finance has been officially approved, and the first executive change for Ant Consumer Finance has been changed. The Chongqing Banking Insurance Regulatory Bureau announced the approval of the deputy general manager of Qiao Zhanzhang Chongqing Ant Consumer Finance Co., Ltd. qualified. In June last year, Ant Consumer Finance was approved and opened. In the opening approval of the Chongqing Banking Insurance Regulatory Bureau, the deputy general manager was held by Zhang Keqiang. For less than a year after opening, the executives of Ant Consumer Finance appeared for the first time. Qiao Zhancao worked at the Risk Management Department of Ant Financial Micrology Group. [WEMONEY Research Office] 3. [Fintech]

1. Due to multiple violations of the receipt business, Xiaomi's payment institution was fined

On June 23, the administrative punishment information issued by the Hohhot Center Sub -branch of the People's Bank of China showed that the third -party payment institution Jie Ruiritong did not submit or keep relevant information in accordance with regulations; Failure to establish and implement a real -name system for special merchants in accordance with regulations; the obtained obtained business has not set up a number of violations such as the regulations, sending the receipt transaction information, etc., and has been fined 120,000 yuan. Jie Fu Ruitong was established in January 2011, with a registered capital of 100 million yuan. In 2016, Jie Fu Ruitong became a subsidiary of Xiaomi Group, and Xiaomi founder Lei Jun, who is still the chairman and legal representative of Jie Fu Ruitong. 【Mobile Payment Network】

2. Credit ABS and Enterprise ABS issuance or tightening, the scale of new issues in the first half of the year fell sharply

On June 23, a person in the investment bank of the brokerage firm said that the supply chain ABS of real estate and urban investment became tight. The reporter inquired Wind that in the first half of this year, the newly issued scale of credit ABS was only 180.1 billion yuan. In the first half of this year, the newly issued company ABS was 428.2 billion yuan, which was over 39%compared to the 704.8 billion yuan in the same period last year. In the first half of the year, the new hair scale of the ABS of corporate ABS added up to 494.9 billion yuan in a single quarter in the third quarter of last year. 【Securities Times】

3. Multi -platform "blocking" digital collection secondary transactions

At the end of March this year, WeChat had banned a number of digital collection platform public accounts, involving more than 10 platforms, all of which were small and medium -sized digital collections. At that time, WeChat emphasized that in the future, we will pay close attention to industry trends and relevant regulations, and further improve and adjust rules. A few days ago, WeChat updated the "WeChat Public Platform Operation Specifications" (hereinafter referred to as the "WeChat Specification"), and added the "virtual currency and digital collection trading behavior" clauses to include it in "illegal and illegal business behavior" (editor note Note : The virtual currency should be virtual digital coins, the following). On June 20, WeChat responded publicly: This update is in accordance with relevant regulations. In order to prevent the risk of hype trading in virtual currency transactions, the public account and applets that sell digital collections for digital collections are further standardized. 【Xiaoxiang Morning News】

4. HKUST Xunfei, Anhui State -owned Assets and other joint ventures set up digital Anhui Company, with a registered capital of 800 million yuan

On June 20, Digital Anhui Co., Ltd. was established with a registered capital of 800 million yuan. The business scope includes Internet data services; Internet security services; artificial intelligence public data platforms; cloud computing equipment manufacturing; information security equipment sales, etc. HKUST Xunfei, Anhui State -owned Capital Operation Holding Group Co., Ltd., Anhui Investment Group Holdings Co., Ltd., and Anhui Guoyuan Financial Holding Group Co., Ltd. held 49%, 17%, 17%, and 17%, respectively. 【Tianyancha】

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