"The director absconded with the money"? The two banks suddenly reported major bad news, and the police took action! stay

Recently, the two banks have been pushed to the forefront because of rumors such as "absconding with money" and "having problems".

Rumors such as "directors of Yangquan Commercial Bank absconded with money" and "Baoding Bank has deposits, and I heard that the bank has problems" spread, which triggered panic among some depositors and caused certain adverse effects. At present, relevant rumors have been seriously dealt with by the police.

Recently, the rumor that "directors of Yangquan Commercial Bank absconded with money" has been circulated on the Internet, which has also caused some depositors of Shanxi Yangquan Commercial Bank to withdraw their deposits centrally.

Regarding this "rumor", on June 16, Yangquan City Commercial Bank, Yangquan Municipal Government, Yangquan Central Branch of the Central Bank and Yangquan Banking Supervision Branch all issued clarification announcements.

According to the announcement of Yangquan City Commercial Bank, recently, some depositors of Yangquan City Commercial Bank concentrated on handling 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.

Yangquan Central Sub-branch of the Central Bank and Yangquan Banking Supervision Branch said in the announcement that at present, the bank is operating normally, with sufficient funds, paid its reserve in full, participated in deposit insurance and has sufficient payment capacity. The interests of depositors are protected by national laws. I hope depositors will treat them rationally and don't believe and spread rumors.

On June 18, the Yangquan Municipal Public Security Bureau issued a notice saying that recently, netizens Cao, Xu, Huo, Ren, Zhi and others in the city spread "Yangquan City Commercial Bank President running away" and other false statements on some social media, and the public security organs have dealt with them seriously according to law.

On June 19, Yangquan Public Security Bureau issued a police report again, saying that the public security organs found in their work that netizen Yang Mouzhen fabricated a rumor that "directors of Yangquan Commercial Bank absconded with money" and publicly spread it on the Internet, causing public panic. The public security organ punished him with administrative detention 10 according to the Law of People's Republic of China (PRC) on Public Security Administration Punishment.

According to public information, the predecessor of Yangquan Commercial Bank is Yangquan Credit Cooperative, which was first born in 1985. 199 1 year 65438+February urban credit cooperatives were separated from the organizational system of Yangquan Industrial and Commercial Bank and directly managed by Yangquan People's Bank. On June 26th, 2007, Yangquan Commercial Bank was established with the approval of China Banking Regulatory Commission. On June 29th, 2007, the inaugural meeting of Yangquan Commercial Bank and the first meeting of the first shareholders' meeting were successfully held and formally established on September 29th, 2007.

According to official website of Yangquan Commercial Bank, by the end of 20 18, the total assets of the whole bank were 45,785,438+0 million yuan, an increase of 5,655 million yuan or 14.09% compared with the beginning of the year, of which various loans were1549,438+0 million yuan, an increase of 58. Total liabilities were 43 1.4 1 billion yuan, an increase of 5.498 billion yuan and 1.46 1% compared with the beginning of the year, of which: various deposits were 2.71.52 billion yuan, an increase of 6.9% compared with the beginning of the year; The owner's equity was 2.64 billion yuan, the realized income was 2.385 billion yuan, the realized profit was 252 million yuan, and the net profit was 65.438+55 million yuan.

China Business News previously reported that the bank's net interest margin in 20 16 and 20 17 years was 2.75% and 2.47% respectively, but in 20 18 years, the bank's net interest margin dropped to1.87%; According to the information of the interbank deposit receipt plan, the capital adequacy ratio of Yangquan Commercial Bank was 13. 14%, 10.86% and 8.486% respectively in 20 16, 20 18 years. Tier 1 capital adequacy ratios are 12.4 1%, 10.09% and 8.17% respectively; The core Tier 1 capital adequacy ratio is 12.4 1%, 10.09%, 8. 17%.

On June 20th, 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 "Baoding Bank has deposits, and I heard that there is something wrong with the bank, so take them out as soon as possible", which caused public panic and caused people who didn't know the truth to withdraw their deposits in Baoding Bank in advance. The public security organs severely dealt with the relevant illegal personnel according to law.

On the same day, "Baoding Publishing" WeChat official account published an article "The negative information of online Baoding Bank is untrue, and the public security organ has investigated and handled it", introducing 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 opened one after another, and Qinhuangdao Branch and Cangzhou Branch were approved for construction. Baoding Bank has 5 overseas branches and 59 branches, achieving full county coverage, 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 400 million yuan refinancing contract with Baoding Central Branch of the People's Bank of China, and signed a 600 million yuan loan contract with CDB Hebei Branch to support small and micro enterprises and a 24 million yuan special poverty alleviation loan contract.

In addition, by the end of 20 19, the amount of agricultural loans of Baoding Bank was1941400 million yuan. A new five-in-one poverty alleviation model of government+banks+insurance+guarantee institutions-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 800 million yuan of poverty alleviation funds have been invested in Fuping County.

According to public information, Baoding Bank was formerly known as Baoding Commercial Bank Co., Ltd. 2011February 28th, and the China Banking Regulatory Commission officially approved the renaming of Baoding Commercial Bank Co., Ltd. for short.

By the end of 20 19, the total assets of Baoding Bank were/kloc-0.3 billion yuan, including loans of 4 13 billion yuan, and the non-performing loan ratio was 2./kloc-0.2%.

Regarding the impact of the epidemic on the formation of the banking insurance industry, relevant persons of the China Banking Regulatory Commission said that the impact of the epidemic on the banking industry is mainly reflected in the quality of loans. At the end of the first quarter of 2020, the non-performing loan ratio of the banking industry was 2.04%, up by 0.06 percentage point from the beginning of the year, and the balance of non-performing loans increased by 260.9 billion yuan.

However, the relevant person in charge said that from the current situation, the rise of credit risk in the banking industry is within the expected range.

The person in charge also mentioned that at present, the banking and insurance industry has sufficient ammunition to resist risks, and banks and insurance institutions are encouraged to further build a "dam" to cope with risks by increasing provisions and replenishing capital.

The above-mentioned person in charge said that in the next step, the CBRC will focus on five aspects and 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 pay attention to 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 of renewing loans more accurately and ease the liquidity pressure of customers; Further improve the risk management and due diligence exemption related systems.

In April, Liang Zhou, Vice Chairman of China Banking and Insurance Regulatory Commission, China, said at a news conference that at present, there are more than 4,000 small and medium-sized banks in China, with total assets accounting for about 1/4 of the whole banking system, which is an important part of China's banking system. Generally speaking, small and medium-sized banks are running smoothly. Although the non-performing assets have increased slightly, the risks are controllable. The main business 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 the CSRC, stressed that the financial system should pay special attention to the risks of small and medium-sized banks when fighting against the major financial risks brought by the epidemic. Small and medium-sized banks have insufficient capital strength and relatively high non-performing assets ratio, and they also undertake the heavy responsibility of increasing support for small and micro enterprises. How to balance 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 capital; At the same time, small and medium-sized banks should improve internal control and improve the level of risk management. One of the important aspects is the use of technology to help banks identify customers and prevent risks.

From May 65438, 2065438 to May/KLOC-0, 2065438, the Deposit Insurance Regulations came into effect, and China's deposit insurance system was formally implemented, which also provided an additional guarantee for the interests of bank depositors.

According to the Regulations on Deposit Insurance, deposit insurance covers all banking financial institutions that take deposits, 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 500,000.

At the beginning of this year, the People's Bank of China held a video conference on financial rule of law in 2020, 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, a deputy to the National People's Congress, said in an interview with the Financial Times that this is conducive to establishing the legal status of deposit insurance as a disposal organ from the legal level, giving deposit insurance the right to start disposal, giving full play to the important role of deposit insurance in orderly disposal and crisis response, and further improving the legal framework for the market-oriented withdrawal of financial institutions. From the 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.