Tracking The Latest Trend Of The First Batch Of Private Banking Shareholders

"P > pilot" a href= "//www.sjfzxm.com" > private banks < /a > has solved the mystery for two weeks, and the ten largest shareholders of 5 banks have entered the silent period.

Recently, reporters have tracked the latest trend of private banking shareholders, and found that many shareholders did not enter the substantive stage.

At the same time, the four major models of the pilot banks have become the focus of discussion.

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< p > "concrete substantive work has not been formally launched, and the first stage meeting has not been convened."

You Xiaoping, chairman of the board of directors of Huafeng Group, one of Wenzhou's pilot private bank shareholders, revealed to the Securities Daily reporter.

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< p > at the same time, one of the shareholders of the pilot private bank and the media contact of Tianjin North China group also indicated that there was no substantive work and said that "everything is based on the CBRC news".

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< p > recently, media reports reported that the Wenzhou private bank pilot project, the main initiating unit CHINT group held 20%, and Wenzhou 5 other private enterprises Huafeng, Semir, AOKANG, red dragonfly and newspaper bird group held 10% respectively. The remaining 30% shares were held by a dozen outstanding private enterprises in Wenzhou counties (cities and districts).

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< p > You Xiaoping disclosed that "a href=" //www.sjfzxm.com/news/index_cj.asp ":" shareholders' /a > shareholding ratio has not been finalized, and there may be changes. "

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"P" earlier, the CBRC revealed that the pilot scheme of the first batch of private banks was divided into four modes: one is small deposit and small loan mode, the main business is to absorb small deposits and small loans; the second is the large deposit and small loan mode, with large deposits and small loans as the main business; the third is the public deposit and public loan mode, only for the public business, for the small and medium enterprises, and the fourth is the specific area deposit and loan mode. It only opens in the specific areas such as the free trade zone, and dig deep into the customers.

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Wang Yanming, Professor of Finance Department of South of the Five Ridges College of Zhongshan University, said in an interview with reporters that the four models have their own advantages and disadvantages, and the difference is even greater from the perspective of bank operators and bank supervisors. P

At present, it is a pilot stage, mainly from the perspective of risk control and financial supervision.

"At present, we should adhere to the prudent principle and take the constructive attempt as the main factor to break the disadvantages of the original banks."

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< p > "from the perspective of regulators, we can consider the main points of the four models.

For example, the upper and lower limit of deposit and loan will make some requests, and the scope of operation should also be subject to some restrictions.

It is better to appropriately integrate the three models of big savings and small loans, public deposit and public loans, specific areas < a href= "//www.sjfzxm.com/news/index_s.asp" > deposit and loan < /a >.

Wang Yanming said.

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< p > it is reported that the regulatory authorities agree with the "small deposit and small loan" mode.

In the first batch of experiments, Alibaba, Tencent and other Internet companies joined, and Ali is the advocate of "small deposit and small loan" mode. These two companies are highly anticipated because of the "Internet gene".

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P, the chief economist of Bank of communications, said: "small savings and small loans" are many in foreign countries. The target of their retail business is mainly small businesses and individuals. Relatively speaking, under the "small deposit and small loan" mode, the spread is slightly larger, because the smaller the loan is, the higher the risk is, the higher the price is.

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< p > in addition to the pattern of concern, private banks are born or will face some pressure. Especially after the interest rate liberalization, the price of acquiring capital of banks may increase and the time difference is also very sensitive. The interest rate of banks should be reasonably priced according to the different needs of loan objects, and the spread income under the traditional management mode will be greatly squeezed by competition.

In March 11th of this year, Zhou Xiaochuan, governor of the people's Bank of China, publicly stated that "the marketization of deposit interest rate is the last step of interest rate marketization, which can be achieved in the last one or two years."

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< p > to this, Wang Yanming said that the main pressure of private banks is that the new banks have less channels than those of the big banks in obtaining the channel of < a href= "//www.sjfzxm.com" > capital < /a >.

In addition, there are fewer talents, partners and channels to provide complex financial services, and the ability of risk pricing, risk management system and talent are weak.

All these will constitute tremendous pressure on the development of private banks.

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