Two Shaanxi rural commercial banks have been added to the ranks of small and medium-sized banks.
A few days ago, Shaanxi Banking Insurance Regulatory Bureau announced that it agreed to establish Shaanxi Yulin Yuyang Rural Commercial Bank Co., Ltd. (hereinafter referred to as "Yulin Yuyang Rural Commercial Bank") and Shaanxi Hengshan Rural Commercial Bank Co., Ltd. (hereinafter referred to as "Hengshan Rural Commercial Bank") by newly established merger, inheriting the creditor's rights and debts of Yulin Yuyang Rural Commercial Bank and Hengshan Rural Commercial Bank.
Shaanxi Banking Insurance Regulatory Bureau said that the preparatory group of Shaanxi Yulin Rural Commercial Bank should handle the newly-established merger in strict accordance with relevant laws and regulations, urge Yulin Yuyang Rural Commercial Bank and Hengshan Rural Commercial Bank to complete the dissolution related matters, and submit relevant applications to Yulin Banking Insurance Regulatory Bureau in accordance with relevant regulations, such as the change of legal person organization and the opening of branches.
The reporter called Yulin Yuyang Rural Commercial Bank and Hengshan Rural Commercial Bank respectively to learn about the recent progress of the merger. The relevant person in charge of Yulin Yuyang Rural Commercial Bank told the reporter: "The merger has been approved by the China Banking Regulatory Commission, but the preparatory work has not been fully completed." Hengshan Rural Commercial Bank refused the reporter's interview request on the grounds that the person in charge was absent.
In addition, the reporter did not find the performance reports of these two banks in recent years on platforms such as official website and China Money Network.
Official website shows that Shaanxi Yulin Yuyang Rural Commercial Bank Co., Ltd. was established on March 6, 20 1 1. With the approval of China Banking Regulatory Commission, a regional joint-stock financial institution established by natural persons, enterprise legal persons and other economic organizations within its jurisdiction. By the end of September, 2065438+2008, the balance of various deposits was 20.4 billion yuan, ranking first among peers in the region. The balance of various loans was 654.38+03.8 billion yuan, ranking first among peers in the region.
According to public information, Shaanxi Hengshan Rural Commercial Bank was established on August 5, 20 13, and its predecessor was Hengshan County Rural Credit Cooperative, which was established on 1953. The registered capital is 255.88 million yuan.
The reporter learned from the public information that the shareholders of the above two banks all have certain risks.
According to the disclosure of China Executive Information Open Network and Tianyancha, Yulin Dongzhou Dida Group Co., Ltd., a shareholder of Yulin Yuyang Rural Commercial Bank, has been listed as the executor by the court for four times; The shareholders of Hengshan Rural Commercial Bank, Shaanxi Hongan Construction Engineering Co., Ltd. and Hengshan An Deyu Electric Co., Ltd., were once listed as executors by the court for failing to fulfill their legal obligations on time.
Recently, small and medium-sized banks kicked off the disclosure of the 2020 interim report. Up to now, more than 70 small and medium-sized banks have issued semi-annual reports, of which more than half of their profits have shown a downward trend, and the capital adequacy ratio of most banks needs to be improved.
It is worth noting that in the first quarter of 2020, the asset quality of small and medium-sized banks is also under pressure, and the non-performing rate of rural commercial banks and city commercial banks is obviously high. According to the data of CBRC, in the first quarter of 2020, the NPL ratio of commercial banks was 1.9 1%, including 4.09% for rural commercial banks, 2.45% for urban commercial banks, and 1.64% for large commercial banks and joint-stock banks respectively.
"Compared with joint-stock banks and state-owned banks, small and medium-sized banks have limited regional economic aggregates and are greatly influenced by local economic characteristics and industrial structure, which restricts their business growth." Insiders told reporters that due to the slowdown of domestic economic growth, the asset quality and profitability of small and medium-sized banks are facing downward pressure, and corporate governance mechanisms and risk management capabilities still need to be further built. Mergers and acquisitions can improve the comprehensive competitiveness of small and medium-sized banks, enhance their ability to resist risks, and realize scale effect, complementary advantages, resource sharing and win-win cooperation.
Merger and reorganization is one of the important forms of deepening reform of small and medium-sized banks.
On April 22nd this year, Cao Yu, member of the Party Committee and Vice Chairman of the China Banking Regulatory Commission, said at the press conference of the State Council Office that the Banking Regulatory Commission was making every effort to deepen the reform and risk resolution of small and medium-sized banks. The reform and restructuring of small and medium-sized banks will be more intensive this year, especially the strength and measures of market-oriented restructuring. In addition, the China Banking and Insurance Regulatory Commission will implement the refinancing policy and the targeted reduction of the deposit reserve ratio for small and medium-sized banks, and implement differentiated supervision policies to create favorable conditions for the reform and restructuring of small and medium-sized banks.
Previously, the State Council Finance Committee put forward 1 1 financial reform measures, and formulated and issued the "Implementation Opinions on Deepening the Reform of Rural Credit Cooperatives", which pointed out that on the basis of maintaining the overall stability of the status of county-level legal persons, the reform of provincial cooperatives, the reform of county-level legal persons of rural credit cooperatives and the risk resolution of some institutions should be promoted as a whole, and relevant reform pilots should be carried out.
On June 23rd, Wuxi Rural Commercial Bank announced that it had jointly initiated the establishment of Xuzhou Rural Commercial Bank with other sponsors and shareholders. Xuzhou Rural Commercial Bank was formed by the merger of Xuzhou Tongshan Rural Commercial Bank, Xuzhou Huaihai Rural Commercial Bank and Xuzhou Pengcheng Rural Commercial Bank. On June 26th, Panzhihua City Commercial Bank disclosed the announcement of merger and reorganization, and announced that it planned to form a commercial bank through a new merger with Liangshan Prefecture Commercial Bank. In addition, there are Sanmenxia Hubin Rural Commercial Bank and Sanmenxia Shaanxi Rural Commercial Bank to form municipal rural commercial banks.