WEMONEY Research Office · Digital Finance Weekly | 140 Chinese -funded banks ranked among the top 1,000 global banks

1. [Bank]

1. Global banks have the top 1,000 list, and Chinese banks occupy the top ten "half of the country"

The British "Bank" magazine recently announced the list of "Global Top 1,000 Global Bank of China in 2022". A total of 140 Chinese -funded banks were on the list, a decrease of 4 lower than 2021. Among them, ICBC, Construction Bank, Agricultural Bank, and Bank of China ranked among the top four lists, and Bank of Communications ranked 10th. The Chinese Bank occupied half of the banks in the top ten banks. The selection of the "Top 100 Global Bank of China" magazine "Global Bank of China" is mainly based on the "first -level capital" strength. In the list, five Chinese banks ranked 11th to 20th, namely: China Merchants Bank (11th), China Postal Savings Bank (13th), Industrial Bank (16th), Shanghai, Shanghai, Shanghai Pudong Development Bank (18th), CITIC Bank (19th). There are many Chinese -funded cities in the list, and the rankings have risen sharply. For example, Bank of Ningbo, Bank of Jiangsu, Shanghai Rural Commercial Bank, Changsha Bank, Nanjing Bank, etc. 【Shanghai Securities News】

2. The China Banking Regulatory Commission and the central bank issued new credit card regulations to regulate card issuance, interest fee, credit, collection, etc.

Recently, the China Banking Regulatory Commission and the People's Bank of China issued the "Notice on Further Promoting the Standardized Healthy Development of Credit Card Business" (hereinafter referred to as the "Notice"). Comprehensively strengthen credit card installment business standardization management, strict management of cooperation agencies, strengthen the protection of the legitimate rights and interests of consumers, and strengthen the supervision and management of credit card business. The "Notice" requires that the banking financial institutions do not use card volume and number of customers as a single or main assessment indicator. Banking financial institutions with long -term sleep card rates exceeding 20%shall not issue new cards. 【WEMONEY Research Room】

3. Nanjing Bank, Hangzhou Bank, and Su Nong Bank's half -year report "pre -happy", net profit increased by more than 20% year -on -year

In the second half of the year, the semi -annual performance of listed companies continued to disclose. Since July, listed banks have entered the semi -annual report "preheating time". At present, three listed banks of Bank of Nanjing, Bank of Hangzhou, and Su Nong Bank disclosed the first half of the performance express report. The three banks' performance Express "pre -happy", the net profit increase in the first half of the year, all exceeded 20%, and the quality of assets continued to improve. The semi -annual report disclosure time released by the Shanghai and Shenzhen Exchange shows that the first semi -annual report of the listed bank will be disclosed on August 10 (expected to be disclosed). The semi -annual report of 42 listed banks will be disclosed in August. 【WEMONEY Research Room】

4. ICBC, Everbright, Dalian Bank and many other banks have collected millions of major tickets, and the loan business is still a "severe disaster -stricken area" for punishment

Just one week in July, many banks have received millions of large tickets. Among them, ICBC Shanghai Branch was fined 3.2 million yuan, Dalian Bank Shanghai Branch was fined 4.4 million yuan, Everbright Bank Nantong Branch was fined 1.3 million yuan, and Xiamen International Bank Putian Branch was fined 2.8 million yuan. Specifically, the loan business is still a "severe disaster area" for punishment. 【China Fund News】

5. Shanghai Huarui Bank's value of 300 million equity was auctioned

Recently, the fourth largest shareholder of Shanghai Huarui Bank Ganshang United Co., Ltd. (8.15%of the total share capital) on the name of 244.5 million shares (8.15%) on the name of the Ali judicial auction platform will be auctioned at 10:00 on August 23. 100 million yuan. It is understood that the second largest shareholder of Huarui Bank, Shanghai Metus Bangwei Clothing Co., Ltd., also plans to sell its 10.10%of the shares it holds to revitalize the assets, but it is still approved by the competent authority. 【International Finance News】

6. The first semi -annual report of private banks was released: Liaoning Zhenxing Bank's assets were shrinking, and net profit increased by 176.52 % year -on -year

The first semi -annual report of private banks was released. On July 5th, Liaoning Zhenxing Bank disclosed to the half -year report of 2022. The report shows that the bank's operating income in the first half of the year was 424 million yuan, and the net profit was 41.23 million yuan, close to the annual level of 2021. The total assets of the Liaoning Revitalization Bank continued to shrink in the first half of the year. By the end of the first half of 2022, the total assets of the revitalization bank of Liaoning were 25.648 billion yuan, a decrease of 1.9%from 26.152 billion yuan at the end of the first half of 2021; and a 4.16%decrease from 26.715 billion yuan in the end of 2021. 【WEMONEY Research Room】

2. [Consumer Finance]

1. For the first time, it was fined 1 million yuan in illegal consumer financial business

A few days ago, information on the official website of the China Banking Regulatory Commission showed that Shanghai Shangcheng Consumer Finance Co., Ltd. had two illegal facts, ordered to make corrections, and was fined a total of 1 million yuan. The facts of illegal and violations are: as of June 2020, the company's online personal loan business debt repayment capacity review seriously violated the rules of prudent business; the online personal loan business did not effectively identify the customer identity in accordance with regulations. It is worth noting that this is also the first time that Shangcheng Consumer Finance has been fined. 【WEMONEY Research Room】

2. Postal Savings Bank successfully issued digital RMB car consumer loans

On July 7, China Postal Savings Bank successfully landed in Shaanxi Province's first digital RMB car consumer loan lending and trusted payment business in Shaanxi Province. It is understood that after the car sales platform of the postal savings bank cooperation agency chooses a car purchase plan, the personal customer can submit a loan application on the postal savings bank's mobile banking. After the postaluming bank is reviewed and passed, the loan funds will be issued in the form of a digital RMB to the customer to the customer. Personal wallets, and in real time, pay to the partner to the public wallet to complete the car purchase process. Customers can use digital renminbi for automatic repayment or online self -service advance repayment. [China Securities Network] 3. Personal consumer loan interest rate drops to 4%, banks launched a price war

The latest data from the central bank shows that the personal consumer loan data "turn right" in May to achieve a rebound. When the epidemic is effectively controlled, the consumption of residents is gradually expanding. At the same time, the personal consumer credit market is gradually recovering, and financial institutions are meeting the demand released by this part in various ways. Recently, various banks have also joined the "grabbing war" to attract customers through continuously lowered loan interest rates. According to various news, the minimum interest rate of personal consumer loan products has been lowered, and even after superimposed various preferential policies, interest rates have fallen by 4%. 【Consumer Finance Channel】

4. The trend of licensed loans is obvious, and the passage fee doubles increases

Many loan -aid platforms have stated that the trend of licensed loans has basically been determined. The company has sought Internet small loan licenses since the beginning of the year and rushed to complete the license layout before the policy landing. "Even if the cost is more than ten million, we must try to get a license to avoid impact on business changes." It is understood that some investors and cash loan platforms have requested loan assistance and lending. A loan -aid practitioner revealed that "We requested last year that the lending must have a licensed subject, not a simple cooperation agreement, but a fund agreement with the licensed institution." As the licenses and licenses are tightened, the sound of licensed licenses tighten, and the sound of licensed licenses is tightening, and the sound of licensed licenses is tightening, and the sound of licensed licenses is tightening. The cost of loan -aid channels has also doubled. The help lending practitioners revealed that the cost of passage cooperation was about 1.5 million a year, but the price increased this year, and the lowest also started by 3 million. 【Laser Finance】

3. [Financial Technology]

1. The official exchange of credit reporting is officially changed: Wang Xiaolei, deputy director of the former Central Bank Credit Credit Center, served as chairman

Recently, the personnel change in the management of Baixing Credit Credit, Wang Xiaolei, former deputy director of the Central Bank Credit Center, took over Zhu Huanqi, served as chairman of the Credit Credit Credit, and served as the legal representative of the enterprise. Public information shows that Wang Xiaolei was the deputy director of the Central Bank Credit Center in December 2009. Prior to this, he was the technical assistant of the Central Bank International Monetary Fund's Executive Directors Office, the director of the Currency Market Office of the Central Bank Monetary Policy Division, and the deputy director of the Propaganda Office of the Credit and Coordination Office of the Credit Bureau of the Central Bank. 【WEMONEY Research Room】

2. Du Xiaoman responds to "deposit change financial management": No modification is not performed.

Recently, Henan Village Banking Treasurers reported that the "deposit products" purchased through Du Xiaoman became a "wealth management product". In this regard, Du Xiaoman responded that Du Xiaoman did not modify the related product pages. Du Xiaoman explained that the page of "financial management" appeared in the article is not the page of the deposit business, but the display page of the two -type household electronic card. The second -class household electronic card "only supports XX banking wealth management" is mainly to emphasize that the electronic card is limited to the use of "based on the bank", that is, if you use electronic cards to buy wealth management products, only the investment of the bank's self -operated or agent sales investment Financial product. Savings are the basic functions of bank cards, and they will be possessed by default without explicit. In fact, we cooperated with the above banks to cooperate with deposits and never carried out cooperation in wealth management products. 【WEMONEY Research Room】

3. Payment license shrinkage: 8 institutions renewal applications are suspended, and 19 licenses have been canceled

Recently, the People's Bank of China announced the results of the fourth batch of non -bank payment institutions payment licenses on the official website, including Suning Yibao, Didi Payment, Vipshop Pay, etc., including 52 institutions, etc. The application for the renewal of the exhibition was suspended, and the 19 institutions paid licenses were canceled. According to industry analysis, although the number of licenses continues to decrease, the overall operation of the payment market runs smoothly. In the future, supervision will continue to promote the healthy development of the payment market. 【Economic Reference News】

4. It is estimated that by 2026, the Chinese data governance market will reach US $ 654.1 billion

Recently, the REPORTLINKER database released the "Global Data Governance Industry" report. The report shows that data governance is a set of tools to define the role, standards, strategies, indicators and processes that define the information in the organization. The data governance market is driven by many factors, including data and artificial intelligence technology of massive sources. During the epidemic crisis, the global data governance market was estimated to be $ 1.8 billion in 2020, and it is expected to reach a amendment scale of $ 6 billion by 2026, with a compound annual growth rate of 22%. The US market is estimated to reach US $ 722.9 million in 2021, and the Chinese market is expected to reach US $ 654.1 million by 2026. The Asia -Pacific region provides the highest growth potential for data governance solutions. 【Fintech Observation】

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