China Merchants Top Bank "is in the middle of the fetus", and the China Merchants Bank said that "the termination of preparations will not affect the operation"

Economic Observation Network reporter Lao Yingying on July 22, China Merchants Bank issued an announcement saying that the bank held the third meeting resolution of the twelfth board of directors on the same day, and the meeting reviewed and approved the "Proposal on the Request to the opening of the China Merchants Top Bank". Agree to withdraw from China Merchants Top Bank Co., Ltd. (raised) application application and termination of preparations, authorize China Merchants Bank senior management and agree to transfer relevant persons, handle and withdraw from China Merchants Top Bank Co., Ltd. All matters.

In this regard, an insider insiders of the China Merchants Top Tourism told reporters "waiting for notice." Regarding the reasons for the termination of China Merchants Top Bank, the China Merchants Bank head office responded to the reporter of the Economic Observation Network that according to the decision of the board of directors on July 22, we agreed to withdraw the application for the opening of the topology bank and terminate the preparatory work. Our bank will complete the follow -up related work in accordance with laws and regulations. The termination of topology banks will not affect our operations.

On December 11, 2020, China Merchants Bank announced that it was approved to build China Merchants Topping Bank. China Merchants Bank and the online banking (Beijing) Business Services Co., Ltd. of China Merchants Bank and JD.com jointly launched the establishment of legal person direct sales banks. The topology bank is positioned on the Internet banking on the pure line, and the coordinates are positioned in Shanghai. Ten days after the formal approval of the CIRC, Top Torter Bank once publicly "recruited soldiers and buy horses". Can open.

In February 2016, the General Office of the CBRC promulgated the "Guidelines for the Development and Development of Commercial Banks", which pointed out that commercial banks with mature conditions can explore the establishment of a direct -selling bank professional subsidiary pilot under the current legal framework.

On November 18, 2017, the first independent legal person direct -selling bank Baixin Bank opened in the country. The registered capital was 2 billion yuan, CITIC Bank held 70%of the shares, and Baidu held 30%. Five years later, on June 30, 2022, the postal -owned holding subsidiary of the postal savings bank in the post -opening opening meeting was held to announce the official opening and launching the first batch of products. Independent legal person direct selling bank.

During the development of direct sales banking business, such as serious product homogeneity and insufficient innovation capabilities. From the perspective of product settings, the products launched by direct selling banks are the same as products issued by online banking, mobile banking and other channels. Most of them are concentrated in deposit products, wealth management products, fund products and loan products. Therefore, many banks choose to shrink the direct sales banking business. For example, the former SPDB and Ping An Bank incorporated the direct selling bank into the mobile banking; Nanjing Bank merged and upgraded the mobile banking and direct sales banks in December 2019. The APP stopped external services, and Huaxia Bank announced in November 2020 that the bank's direct marketing bank and mobile banking merged on December 5.

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