The second round of the online business bank's capital increase and share expansion was approved, and what signal to release

On the occasion of the 7th anniversary of the opening of the economic observation network reporter Hu Qun, the Zhejiang Internet Commercial Bank ushered in the news that the regulatory level agreed to increase its capital and expand.

On June 23, the Zhejiang Banking Insurance Regulatory Bureau released news that the Zhejiang Internet Commercial Bank's capital increase and expansion plan was agreed. According to the regulatory approval, the "board of directors should ensure that shareholders' qualifications meet statutory conditions, and shall apply for shareholders who need to be reviewed by the regulatory department for the requirements of the shares. After the completion of the capital increase and shares, we will apply for the change of registered capital to our bureau."

Judging from the approval content of the Zhejiang Regulatory Bureau of the Banking Insurance Regulatory Commission, online merchant banks may introduce new shareholders. Which shareholders will online merchant banks introduce, how much registered capital will increase, and how much shareholders occupy? According to the online commercial bank, the capital increase and expansion matters are still in the process, and the online merchant bank will follow up a series of approval procedures such as the application for shareholders' qualification review and registered capital change.

"Because the policy level has clearly promoted the development of the digital economy, and the" leader of the "leader 'of private banks' as private banks, online merchant banks will promote the development of digital economy, including the platform economy. New shareholders should be introduced. "Senior digital financial expert Liu clarified.

This is the second time that online merchant banks have been increasing in capital and shareholding since its establishment in 2015. On June 25, 2015, when the online merchant bank was established, the registered capital was 4 billion yuan. At the end of 2019, the online commercial bank completed its first capital increase, and the registered capital increased to 6.571 billion yuan.

Online Business Bank shareholders

Shareholder name

Number of shares/2015/100 million

Holding ratio/%

Number of shares/2019/100 million

Holding ratio/%

Ant Technology Group

12

30

19.714

30

Vientiane Sannong Group

7.2

18

17.6

26.78

Ningbo Jinrun Assets

6.4

16

12.8

19.48

Shanghai Fosun Industrial Technology

10

25

10

15.22

Dr. Hangzhou Hehe

3.2

8

3.2

4.87

Golden food

1.2

3

2.4

3.65

Data Source: Online Commercial Bank Annual Report

Online Commercial Bank said that through this capital increase, the core first -level capital of the Internet of Online Bank will be further effectively supplemented, which will help online merchant banks to further help small and micro enterprise owners, individual households, and business farmers to obtain credit support In the environment, the small and micro groups can better operate business, stabilize employment, and help the real economy development.

The annual report shows that in 2021, the online merchant bank achieved operating income of 13.9 billion yuan, achieving net profit of 2.09 billion yuan; total assets of 425.83 billion yuan, total liabilities of 407.89 billion yuan, and owner's equity was 17.94 billion yuan; capital adequacy ratio was 1.25 billion yuan, bad loans of bad loans The rate is 1.53%, and the preparation coverage rate is 363.95%.

As of the end of 2021, the cumulative small and micro operators of the digital credit business of online merchant banks reached 45.53 million, and the service group included e -commerce, code merchants, supply chain merchants, operating farmers, and so on. Among the new users of online commercial banks in the past year, more than 80%of users have never obtained banks' operating loans before.

Since the opening of Weizhong Bank at the end of 2014, private banks have developed for more than 7 years. At present, 19 banks have opened a huge gap in asset scale and profitability. In terms of assets, in 2021, Weizhong Bank and Online Commercial Bank were far ahead of 438.748 billion yuan and 425.830 billion yuan, respectively. In terms of net profit, Weizhong Bank's net profit was 6.884 billion yuan, an increase of 38.87%year -on -year. After that, net profit was 2.09 billion yuan, an increase of 62.52%year -on -year.

"Private banks may usher in a wave of capital increases." Xiao Yan, director of the China Bank of China Law Research Association, believes that the current 19 private banks have become extremely unbalanced, and the private banks of several major Internet factories have developed rapidly and profitable Strong capabilities, and most private banks have not found effective development path so far, and the progress of digital transformation is not smooth. In the past few years, several private banks have introduced Internet manufacturers as shareholders. In the future, with the development of the digital economy, private banks are expected to further introduce digital technology companies as shareholders under the premise of regulatory approval to better promote their development and effectively serve the real economy.

Liu clarified that after several years of private bank pilot development, private banks with digital inclusive financial elements have developed more rapidly. It is particularly critical that regulators have seen private banks' service capabilities for small, medium and micro enterprises. Village and township banks and some other types of small and medium -sized banks are not developing smoothly in the digital economy era. The capital increase and expansion of online merchant banks is undoubtedly a good benefit for the construction of a private financial system.

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