Liaoyang Rural Commercial Bank and Princehe Village Bank were continued to advance by Shenyang Rural Commercial Bank to undertake the reform of local legal person banks

China Times (chinatimes.net.cn) reporter Lu Mengxue Ran East Beijing report

Village banks and rural commercial banks have increased cases of reform insurance.

On July 2nd, Shenyang Rural Commercial Bank and Liaoning Provincial Cooperative all issued two announcements stating that with the consent of the national financial management department, since the announcement of the announcement, the outlets, personnel, and deposits of Liaoyang Rural Commercial Bank and Liaoning Prince He Village Town Bank Shenyang Rural Commercial Bank undertake.

"Huaxia Times" reporter noticed that before the Liaoyang Rural Commercial Bank had multiple risks such as governance, shareholders, and operations. In October last year, Jiang Dongmei, the former governor of the abroad, was arrested; in December, the fourth batch of 15 major violations of laws and regulations announced by the CBRC announced in December. The performance is not very optimistic. The recent financial report shows that the net profit of the bank in 2019 increased by -5.30%year-on-year.

On July 4, Dong Ximiao, chief researcher of Zhailian Financial, said in an interview with this reporter that unlike the main purpose of the last round of mergers and reorganizations with small and medium -sized banks, the main purpose of the merger and reorganization of small and medium -sized banks in this round is "holding a group group "Heating", increasing the "reform insurance" of small and medium -sized banks is a subsequent key task. The "undertaking" of Shenyang Rural Commercial Bank is also a way to reorganize, but how to achieve 1+1 greater than 2 still needs to continue to pay attention.

Business undertaking

"Customers can continue to use in Shenyang Rural Commercial Bank in Shenyang Rural Commercial Bank in Shenyang Rural Commercial Bank in Liaoyang Rural Commercial Bank, Princehe Village Bank, or free replacement. Normally, the services remain unchanged. "Shenyang Rural Commercial Bank said in the announcement.

In response, the Liaoning Banking Regulatory Bureau responded to the media that in order to effectively protect the legitimate rights and interests of the depositors, on July 2, 2022, Shenyang Rural Commercial Bank successfully completed the undertaking of Liaoyang Rural Commercial Bank and the village banks, personnel, and deposits of Liaoyang Rural Commercial Bank and the village banks of the village town, and deposits. Work. The work of undertaking the work is smooth and orderly, the business outlets are normalized, and the business is handled normally. The security of funds and the safety of transactions will not be affected. At present, the province's local legal person banks have sufficient funds and run smoothly.

In the next step, the China Banking Regulatory Commission will actively support and cooperate with the Liaoning Provincial Party Committee and Provincial Government to further promote the reform and development of the Liaoning Provincial Party Committee, jointly maintain regional financial stability, enhance the financial service real economy capabilities, promote the comprehensive revitalization of Liaoning, comprehensive revitalization, Essence

On July 2nd, the Liaoning Provincial Cooperative also announced that "the Liaoyang Branch of Shenyang Rural Commercial Bank was listed on business." It is mentioned that the Shenyang Rural Commercial Bank in accordance with a market -oriented manner orderly undertakes the business of Liaoyang Rural Commercial Bank, in order to adapt to the development of financial formats in the new period and optimize the construction of the rural financial service system.

It is reported that Liaoyang Rural Commercial Bank was established in June 2016. The head bank is located in Liaoyang City, Liaoning Province. The three banks of the Credit Cooperative Cooperative launched the establishment of a new merger.

Liaoning Prince He Village Town Bank was established in April 2011 and has two branches below. According to the information of the company's inspection, the Liaoning Prince He Village Town Bank was initiated by Liaoyang Rural Commercial Bank. Liaoyang Rural Commercial Bank held 49%of the shares of Liaoning Prince He Village Town Bank, which is its largest shareholder. Investment companies.

Shenyang Rural Commercial Bank is the first city -level rural commercial bank in Liaoning Province. On December 17, 2011, it was transferred to the original Dongling, Yuhong, Shenbei, and urban area. As of 2021 At the end of December, Shenyang Rural Commercial Bank's total assets were 64.941 billion yuan, with a total liabilities of 61.562 billion yuan.

The Liaoning Provincial Cooperative stated that in accordance with the overall layout of the Provincial Party Committee and Provincial Government to comprehensively revitalize and revitalize and the development of rural revitalization, Shenyang Rural Commercial Bank will form a strong joint force in the field of agriculture -related fields in Shenyang and Liaoyang.

Risk exposure

"Huaxia Times" reporter found that in recent years, the storms of Liaoyang Rural Commercial Bank have continued.

Earlier, Jiang Dongmei, the former president of Liaoyang Rural Commercial Bank, was crime of accepting bribes and issuing loans illegally. In March 2021, in April, the Liaoning Provincial Supervisory Organ investigated Jiang Dongmei and passed the International Organization of Interpol in July. On October 2, 2021, Jiang Dongmei was arrested overseas and was repatriated.

In December last year, of the fourth batch of 15 major violations of laws and regulations released by the Banking Insurance Regulatory Commission, the top 4 major shareholders of the Liaoyang Rural Commercial Bank were also listed. Tianyancha shows that the Beijing Zhengtai Hongxing Sanda Investment Management Co., Ltd., Beijing Anson Golden Century International Investment Co., Ltd., Dinglixin Sheng (Beijing) International Investment Management Co., Ltd., and Liaoyang Huayi Investment Co., Ltd. 9.96%, 9.96%, 9.79%, 9.25%of the shares.

In terms of performance, Liaoyang Rural Commercial Bank has not disclosed in the past three years. The recent financial report information that can be checked is the 2019 annual report. The financial report shows that in 2019, the bank's operating income increased by 25.42%year-on-year, and the net profit increased by -5.30%year-on-year. The asset scale was 157.506 billion yuan, and the scale of liabilities was 146.654 billion yuan, an increase of 7.28%and 4.97%year-on-year.

At present, the official website of Liaoyang Rural Commercial Bank and Liaoning Prince He Village Town Bank has been unable to open.

The director of the Shanghai Financial and Development Laboratory once believed that during the long -term development of the banking industry, the industry competition continued to intensify, and at the same time, some new factors such as fintech technology also appeared. In addition Avoid, "The key lies in how to effectively dispose risks to avoid risks." Small and medium -sized banks' reform and reorganization work continued to advance. Previously, it was mostly consolidated and reorganized, absorbing and mergers between urban commercial banks. For the first case.

Dong Ximiao pointed out to the reporter of Huaxia Times that this "undertaking" is also a way to promote the merger and reorganization of small and medium banks. Different from the main purpose of the last round of mergers and reorganizations of small and medium -sized banks, the main purpose of the merger and reorganization of SMEs in this round is "holding group heating".

Dong Ximiao explained that although the risk of my country's banking industry is generally controllable, some small and medium -sized banks in rural areas, such as the Rural Commercial Bank, Rural Credit Cooperative, and Village Banks still have certain risks, so increasing the reform of small and medium banks is a follow -up. Key work. Generally speaking, the asset -liability and staff of the undertaking bank will be incorporated into the banks to become a branch of the bank. Good protection of the legitimate rights and interests of the depositor. "

"Classification and reorganization and reorganization. Through this treatment, it is not only conducive to maintaining the stability of the financial system, but also reduces government intervention costs and fiscal pressure. Under the premise of avoiding systemic risks The financial institutions have been reforming in all aspects to improve the operating capabilities and competitiveness of institutions. "Zeng Gang bluntly said to reporters.

"In the form of mergers and reorganizations, more explorations can be performed in the future. The Lord started. "

The performance of Shenyang Rural Commercial Bank in 2021 is also worthy of attention. Since 2018, the bank's revenue and net profit have continued to decline. In 2021, revenue increased by -38.40%year-on-year, and net profit increased by -243.68%year-on-year. In addition, at the end of 2021, the bank's capital adequacy ratio was 7.10%, which was lower than the requirements of 10.5%.

"After the completion of this work, how to achieve 1+1 is greater than 2 to better achieve common development, it still needs to be observed." Dong Ximiao also pointed out that supervision should further modify and improve relevant laws and regulations, clarify the conditions for undertaking, regulate punishment for punishment The behavior of the merger and reorganization of small and medium -sized banks creates a better policy environment.

Editor -in -chief: Meng Junlian Editor: Ran Xuedong

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