Since the beginning of this year, banks have been approved for mergers and dissolutions at an unprecedented rate, and small and medium-sized banks may have found a new direction of development.
Written byXu didn't wake up.
ProducedPay for the encyclopedia.
Recently, the Sichuan Supervision Bureau of the State Financial Regulatory Administration approved the request for the merger of shares of Deyang Rural Commercial Bank on the absorption and merger of shares of Sichuan Guanghan Rural Commercial Bank and Sichuan Shifang Rural Commercial Bank and Sichuan Mianzhu Rural Commercial Bank and Sichuan Zhongjiang Rural Commercial Bank.
After the merger, it was established as a branch
It is understood that this year alone, there are more than 10 banks that have been absorbed and merged, among which there are some ordinary village and township banks, rural commercial banks, and some banks that are invested by some joint-stock banks.
According to the cases of the merged banks in recent years, before the change and opening, the absorbed bank still needs to complete the dissolution, and after the dissolution is approved by the regulator, the representative meeting, the board of directors, the board of supervisors and the senior management of the relevant bank should immediately stop exercising their powers, and also return the financial license to the local regulatory bureau, make a dissolution announcement to the outside world, and go through the deregistration procedures in accordance with the law.
The former China Banking and Insurance Regulatory Commission (CBIRC) has stated that it is appropriate to carry out mergers and reorganizations of village and township banks. Banks with better ratings in all respects are allowed to absorb and merge high-risk village and township banks in their respective regions and reorganize them into branches of the bank.
After investigation, the four banks that were absorbed and merged were all local credit cooperatives upgraded to rural commercial banks, which were established around 2008-2009. All four banks have a record of capital increases during the development period, probably trying to find a way to grow by expanding their scale.
Deyang Rural Commercial Bank, as the merger party, needs to be better rated than the above four banks in all aspects. In the past two years, the bank has changed its registered capital several times (the last two have increased by 2.).About 700 million yuan, the total registered capital has reached 92.9 billion yuan), to meet the scale of absorbing the above four banks, but also to greatly improve the ability in the loan business.
In addition, after the absorption and merger of the four rural commercial banks, Deyang Rural Commercial Bank's shareholding in Sichuan Rural Credit Cooperatives Association may increase from 1% to 5% (each of the above four rural commercial banks holds 1%), and the competitiveness of Deyang Rural Commercial Bank will also be enhanced under the impetus of many factors.
"Big eats small" or become mainstream
In addition to being absorbed and merged by banks with better ratings in various aspects, there are currently multiple banks merging into a new bank, and the most important thing after the merger is to share the operational risks and find a growth curve in the market on a larger scale.
At present, the acceleration of the merger of small and medium-sized banks is nothing more than increasing the ability to take risks and seeking further growth.
In terms of risk, most of the small and medium-sized banks have a situation of "insufficient comparison", and it is difficult to compare with large banks in terms of registered capital, number of institutions, scale of institutions, business scale, etc. The profitability of banks often needs to pay attention to various factors such as the scale of credit and the number of customers brought by capital, so the so-called natural disadvantages of small and medium-sized banks have also been formed.
In recent years, hundreds of small and medium-sized banks have been classified as high-risk institutions, the most important of which is the impact of non-performing assets.
Once a bank loses profitability or has poor profitability, it will face the risk of real deregistration and dissolution, so small and medium-sized banks have begun to accelerate the "union", not only to resist risks, but also to seek a growth curve.
At this stage, it is not the first attempt to accelerate the merger of rural commercial banks, village and township banks, and credit cooperatives, but in the early years, credit cooperatives have tried to resist various risks brought about by the small scale through joint mergers.
Banks have found that after integrating debt, resources, capital and other factors, the ability of new entities to resist risks is usually better than that of a single small bank, and their profitability has gradually improved. After continuous restructuring, the alliance of small and medium-sized banks seems to be relatively mature.
The accelerated merger of small and medium-sized banks is more of a benign signal. While the merged bank entities have grown in terms of capital and scale, their financial competitiveness has also reached a new height, and the uneven status quo of small and medium-sized banks will gradually decrease in the future.