The business scope of Wenzhou Civil and Commercial Bank is more than 10, which is common for regular banks to absorb RMB deposits, issue RMB loans, handle domestic settlement, accept bills, discount and issue financial bonds. Wenzhou Civil and Commercial Bank can handle public and private business. But at present, only passbooks can be provided. According to the regulations of the banking supervision department, UnionPay cards and online banking can only be handled after half a year, but you can go to Wenzhou Industrial and Commercial Bank to handle deposit business on your behalf with the passbook of Wenzhou Civil and Commercial Bank.

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I. Brief Introduction of Wenzhou Civil and Commercial Bank

As the main sponsor, Zheng Taihe Huafeng established Wenzhou Civil and Commercial Bank in Wenzhou, Zhejiang. On July 25th, 20 14, Shang Fulin, Party Secretary and Chairman of China Banking Regulatory Commission, disclosed at the National Banking Supervision Work Conference in the first half of 20 14 that China Banking Regulatory Commission had officially approved the application for preparation.

The promoters of Wenzhou Civil and Commercial Bank voluntarily assumed more responsibilities on the basis of taking responsibility for the bank with the subscribed shares. According to the current application scheme, the total share capital of Wenzhou Civil and Commercial Bank is 2 billion yuan, and all shareholders are private enterprises developed in Wenzhou. Among them, Zheng Taihe and Hua Feng, as the main sponsors, applied to the CBRC for 29% and 20% shares respectively, totaling 49%. In the future, Wenzhou Civil and Commercial Bank will mainly provide inclusive finance services for small and micro enterprises, individual industrial and commercial households and community residents in Wenzhou, and will provide efficient and differentiated financial services for the development of the real economy. This development strategy and market positioning were put forward voluntarily after comprehensive consideration of Wenzhou's economic and financial development reality, market demand and future development space, shareholders' characteristics and advantages.

Second, the development history of Wenzhou Civil and Commercial Bank

Your request for instructions on the establishment of Wenzhou Civil and Commercial Bank Co., Ltd. (Wenzhou Civil and Commercial Bank [20 14]No. 1) has been received. After review, the reply is as follows:

1. Agree to establish Wenzhou Civil and Commercial Bank in Wenzhou, Zhejiang Province.

2. Agree with Zheng Tai Group Co., Ltd. to subscribe for the sponsor qualification of 29% of the total share capital of the Bank; Zhejiang Huafeng spandex [9.95% fund research report] Co., Ltd. was approved to subscribe for 20% of the total share capital of the Bank. Shareholders' qualifications of other enterprises whose subscribed shares account for less than 10% of the total share capital shall be reviewed by Zhejiang Banking Regulatory Bureau in accordance with relevant laws and regulations.

3. The preparatory work shall be supervised and guided by Zhejiang Banking Regulatory Bureau, and no financial business activities shall be carried out during the preparatory work.

4, the preparatory work should be completed within 6 months from the date of approval, and in accordance with the relevant provisions and procedures to apply to the Zhejiang Banking Regulatory Bureau for opening. If the preparatory establishment cannot be completed on schedule, it shall submit an extension report to the CBRC 1 month before the expiration of the preparatory establishment period. The preparation shall not be postponed for more than one time, and the longest period shall be 3 months. If the application for opening business is not submitted within the time limit, this approval document for preparation is invalid.