after the rumors that "the directors of Yangquan Commercial Bank ran away with the money" and "Baoding Bank has deposits, it is said that there is something wrong with the bank" spread, it caused some depositors to panic and caused certain adverse effects. At present, the relevant rumors have been seriously dealt with by the police.
Recently, the rumor that "the director of Yangquan Commercial Bank ran away with the money" was circulated on the Internet, which also led to the centralized withdrawal of deposits by some depositors in Yangquan Commercial Bank of Shanxi Province.
On June 16th, Yangquan Commercial Bank, Yangquan Municipal Government, Yangquan Central Sub-branch of the Central Bank and Yangquan Banking Supervision Branch all issued clarification announcements.
the announcement of Yangquan commercial bank shows that recently, some depositors in Yangquan commercial bank have concentrated their business. At present, Yangquan City Commercial Bank is operating normally, with abundant funds, and has paid deposit insurance in full, which can fully guarantee depositors' withdrawal requirements and ensure the safety of depositors' deposits.
The central bank Yangquan Branch and Yangquan Banking Supervision Branch said in the announcement that at present, the bank is operating normally, with sufficient funds, paid the reserve in full, participated in deposit insurance, and has sufficient payment capacity. The interests of depositors are protected by national laws, and it is hoped that depositors can treat them rationally and do not believe or spread rumors.
On June 18th, Yangquan City Public Security Bureau issued a circular saying that recently, netizens Cao, Xu, Huo, Ren and Zhi in this city have spread false statements on some social media, such as "the president of Yangquan Commercial Bank ran away with the money", and the public security organs have dealt with them severely according to law.
On June 19th, Yangquan Public Security Bureau issued the Alert Report again, saying that the public security organs found in their work that netizen Yang Mouzhen fabricated the rumor that "the director of Yangquan Commercial Bank ran away with the money" and spread it publicly on the Internet, causing public panic. The public security organ punished him with administrative detention for 1 days according to the Law of the People's Republic of China on Public Security Administration Punishment.
according to public information, the predecessor of Yangquan City Commercial Bank was Yangquan City Credit Cooperative, which was first born in 1985. In December 1991, the urban credit cooperatives were separated from the organizational system of Yangquan Industrial and Commercial Bank and directly managed by Yangquan People's Bank. On January 26th, 27, the China Banking Regulatory Commission approved the establishment of Yangquan Commercial Bank. On June 29th, 27, the first meeting of the founding meeting and the first shareholders' meeting of Yangquan Commercial Bank was successfully held, and it was formally established on September 19th, 27.
According to official website of Yangquan Commercial Bank, by the end of 218, the total assets of the whole bank were 45.781 billion yuan, an increase of 5.655 billion yuan or 14.9% compared with the beginning of the year, of which: various loans were 15.491 billion yuan, an increase of 5.82 billion yuan or 59.88% compared with the beginning of the year; Total liabilities were 43.141 billion yuan, an increase of 5.498 billion yuan or 14.61% compared with the beginning of the year, of which: various deposits were 27.152 billion yuan, an increase of 1.753 billion yuan or 6.9% compared with the beginning of the year; The owner's equity was 2.64 billion yuan, the income was 2.385 billion yuan, the profit was 252 million yuan and the net profit was 155 million yuan.
China Business News previously reported that the bank's net interest margin in 216 and 217 was 2.75% and 2.47% respectively, but in 218, the bank's net interest margin decreased to 1.87%; According to the information of the interbank deposit certificate plan, in 216, 217 and 218, the capital adequacy ratio of Yangquan Commercial Bank was 13.14%, 1.86% and 8.42% respectively; Tier 1 capital adequacy ratios are 12.41%, 1.9% and 8.17% respectively; The core tier 1 capital adequacy ratio is 12.41%, 1.9% and 8.17%.
On June 2th, Wangdu County Public Security Bureau issued a warning notice, saying: Recently, Wangdu County residents Wang Mouzhan and Wang Moujun fabricated and spread the false statement that "there is a deposit in Baoding Bank, and I heard that there is something wrong with the bank, so if there is any, take it out as soon as possible", which triggered public panic and caused people who did not know the truth to withdraw their deposits in advance at Baoding Bank. The public security organs severely dealt with the relevant illegal personnel according to law.
On the same day, "Baoding Publishing" WeChat WeChat official account published an article "The negative information of Baoding Bank on the Internet is untrue, and the public security organ has investigated and handled it", which introduced some actual situations of Baoding Bank.
According to the article, Baoding Bank, as the first local joint-stock city commercial bank in our city, has been actively building an connotative modern bank based in Baoding, facing Hebei and radiating North China for many years. Baoding Bank Shijiazhuang Branch, Langfang Branch and Hebei Xiong 'an Branch have been opened one after another, and Qinhuangdao Branch and Cangzhou Branch have been approved for construction. Baoding Bank has 5 overseas branches and 59 branches, achieving full coverage of the county, with excellent regulatory indicators and a regulatory rating of 3A, and its fiscal and taxation contribution has been among the best in the city for many years.
The article also mentioned that in order to respond to the implementation of national policies, serve small and medium-sized enterprises and provide professional services, Baoding Bank signed a refinancing contract of 4 million yuan with Baoding Central Branch of the People's Bank of China, and signed a refinancing contract of 6 million yuan with Hebei Branch of CDB to support small and medium-sized enterprises and a special poverty alleviation loan contract of 24 million yuan.
In addition, by the end of 219, Baoding Bank had 19.414 billion yuan in agricultural loans. A new five-in-one poverty alleviation model of government+bank+insurance+guarantee institution-farmers (enterprises) has been established, and four financial products have been tailored, including poverty alleviation loans, agricultural loans, renewable loans and park loans, and more than 8 million yuan of poverty alleviation funds have been invested in Fuping County.
According to public information, Baoding Bank was formerly known as Baoding City Commercial Bank Co., Ltd. On December 28th, 211, China Banking Regulatory Commission officially approved the renaming of Baoding City Commercial Bank Co., Ltd. as Baoding Bank Co., Ltd..
By the end of 219, the total assets of Baoding Bank were 13 billion yuan, including loans of 41.3 billion yuan, with a non-performing loan ratio of 2.12%.
Regarding the impact of the epidemic on the formation of the banking insurance industry, relevant persons in China Banking and Insurance Regulatory Commission said that the impact of the epidemic on the banking industry was mainly reflected in the quality of loans. At the end of the first quarter of 22, the non-performing loan ratio of the banking industry was 2.4%, up .6 percentage points from the beginning of the year, and the balance of non-performing loans increased by 26.9 billion yuan from the beginning of the year.
However, the relevant person in charge said that from the current situation, the credit risk of the banking industry is rising within the expected range.
The person in charge also mentioned that there are sufficient ammunition for the banking and insurance industry to resist risks at present, and encouraged the banking and insurance institutions to further heighten and reinforce the "dam" to cope with risks by measures such as increasing provisions and replenishing capital.
The above-mentioned person in charge said that in the next step, China Banking and Insurance Regulatory Commission will focus on five aspects to urge banks and insurance institutions to increase financial support: around the overall requirements of "increment, expansion, price reduction and quality improvement", to ensure that the overall credit growth in inclusive finance is not affected by the epidemic; Further promote the reduction of financing costs and encourage the reduction of interest rates and profits for trapped small and micro enterprises; Supervise banks to focus on the changes in financing demand under the impact of the epidemic, rationally optimize and simplify business processes, and improve service efficiency; Do a good job in renewing loans more accurately and ease the pressure on customers' liquidity; Further improve the risk management and due diligence exemption related systems.
In April, Liang Zhou, vice chairman of the Insurance Regulatory Commission of the Bank of China, said at the press conference that at present, there are more than 4, small and medium-sized banks in China, with total assets accounting for about a quarter of the entire banking system, which is an important part of China's banking system. Generally speaking, the overall operation of small and medium-sized banks is stable. Although the non-performing assets have increased slightly, the risks are controllable. The main operating indicators and regulatory indicators are in a reasonable range, and there will be no regional and systemic risks.
On May 22nd, Xiao Gang, member of Chinese People's Political Consultative Conference and former chairman of China Securities Regulatory Commission, attended a series of salons on "Economic Policies of the NPC and CPPCC", stressing that in the tough battle to prevent and resolve major financial risks, due to the epidemic, the overall macro leverage ratio rose in stages, so the financial system should pay special attention to the risks of small and medium-sized banks. Small and medium-sized banks have insufficient capital strength and a relatively high ratio of non-performing assets, and they also undertake the important task of increasing support for small and micro enterprises. How to balance the risks in this case is more difficult for small and medium-sized banks.
Xiao Gang proposed that various channels and methods should be adopted to enable small and medium-sized banks to replenish their capital; At the same time, small and medium-sized banks should improve their internal management and control and improve their risk management level. One of the important aspects is to use scientific and technological means to help banks identify customers and guard against risks.
On May 1, 215, the Deposit Insurance Regulations came into effect, and China's deposit insurance system came into effect, which provided an additional guarantee for the interests of bank depositors.
according to the regulations on deposit insurance, deposit insurance covers all deposit-taking banking financial institutions, including commercial banks, rural cooperative banks and rural credit cooperatives established in China.
article 5 of the regulations on deposit insurance stipulates that deposit insurance shall be paid in a limited amount, with a maximum payment limit of RMB 5,.
At the beginning of this year, the People's Bank of China held a video conference on the financial rule of law in 22, demanding that key legislation such as the Deposit Insurance Regulations be accelerated to promote and guarantee high-quality development with high-quality legislation.
Recently, Wang Jingwu, a deputy to the National People's Congress, said in an interview with the Financial Times that this will help to establish the legal status of deposit insurance as a disposal authority from the legal level, give the deposit insurance the right to decide to start disposal, give full play to the important role of orderly disposal of deposit insurance and crisis response, and further improve the legal framework for the market-oriented withdrawal of financial institutions. From the perspective of international legislative practice, more and more countries and regions promote the introduction of special deposit insurance laws, and build an orderly disposal and market-oriented exit mechanism for banking financial institutions.