Digital Financial Weekly | In the first half of the year, Ping An Bank's retail business net profit declined

I. Bank

1. The China Banking Regulatory Commission: It will steadily promote the reform of small and medium banks and strengthen risk prevention and control in key areas

Recently, the China Banking Regulatory Commission held a symposium on the opinions of the representatives of the two sessions. The meeting pointed out that in the next step, the CBRC will further sort out the opinions and suggestions of the representative members in accordance with the spirit of the symposium. Promote multi -channel supplementary capital; persistently do a good job of supervision of small and medium -sized banks, urge small and medium -sized banking institutions to deepen reforms, strengthen risk management and internal control, and continue to enhance the ability to serve the real economy. 【China Banking Regulatory Commission】

2. Multiple bank wealth management products terminate in advance, and "uncontrollable market factors" are one of the main causes

Recently, a number of banks and financial subsidiaries issued an announcement to terminate its wealth management products in advance. After combing the relevant information, the reporter found that since this year, many bank wealth management products have been announced in advance. The reporter noticed that most of the recently terminated wealth management products are solid -income products. From the perspective of risk levels, R2 and R3 levels are the main. Many banks mentioned in the announcement of the reasons why bank wealth management products were terminated in advance. After combing the relevant announcement, the reporter found that the reason for the end of the bank wealth management products is mainly as follows: First, due to the inaccessible market factors in the future, the termination of the product in advance is more conducive to protecting the rights and interests of the product holder than to maintain the operation of the product; The net value fluctuated in the case of a small duration scale, which has not reached the performance benchmark and the gap is too large, resulting in large -scale redemption; the third is to avoid investment losses caused by decline in management scale. 【Securities Daily】

3. Ping An Bank's retail business net profit was 11.065 billion yuan, a year -on -year decrease of 5.6%

On August 18, Ping An Bank announced the semi -annual report of 2022. In the first half of the year, net profit achieved a net profit of 22088 billion yuan, an increase of 25.6%year -on -year. It is worth noting that Ping An Bank's net profit in the first quarter was 12.85 billion yuan. Based on this calculation, the net profit in the second quarter was 9.238 billion yuan, a decrease of 28%month -on -month. The decline in net profit of Ping An Bank's retail business has also attracted attention. The semi -annual report shows that the net profit of the bank's retail business in the first half of 2022 was 11.065 billion yuan, a year -on -year decrease of 5.6%. In the first half of the year, the revenue of wealth management fees (excluding an agent's personal precious metal business) was 3.689 billion yuan, a year -on -year decrease of 17.0%. 【Yangguang.com】

4. Nanjing Bank won Suning's controlling stake, and the poor consumer loan rises in the first half of this year

On the evening of August 16th, Bank of Nanjing announced that recently, Suning's funding received the "Approval of the China Banking Regulatory Commission on the change of equity of Suning Consumer Finance Co., Ltd.", agreed to the company's transfer of Suning Tesco Group Co., Ltd. 36%of the equity of the gold and the 5%equity of Suning Call for Suning Call for Jiangsu Yanghe Winery Co., Ltd. After the completion of the equity change, Nanjing Bank holds Suning's equity ratio from 15%to 56%, becoming the largest shareholder. According to the Bank of Nanjing, in the first half of 2022, the consumer loan rose poorly. In terms of personal loans, as of the end of June 2022, Nanjing Bank's personal loan adverse rate was 1.16%, an increase of 0.28 percentage points from the beginning of the year. 【WEMONEY Research Room】

2. Consumer finance

1. Bei Yin's Gold Different Manager, Nie Guangxin takes over Li Jia to serve as

On August 15th, the Beijing Banking Insurance Regulatory Bureau issued the approval of Nie Guangxin Beiyin Consumer Financial Co., Ltd. (hereinafter referred to as "Beiyin Consumption Finance"). According to public information, Nie Guangxin graduated from the University of Foreign Economic and Trade and obtained a doctorate degree. He previously served as the director of business director and general manager of the investment banking department. Beinyin Consumer Finance has ushered in three general managers in the past 4 years. Previously, on January 23, 2019, Deng Haidong was approved by the Banking and Insurance Regulatory Commission as the general manager of Beiyin Consumer Gold. On July 6, 2021, Li Jia took over the post of general manager. 【WEMONEY Research Room】

2. Jin Shang Consumer Financial Denior Management Frequent Blood, CFO's vice president was approved

On August 16th, the Shanxi Supervision Bureau of the Banking Insurance Regulatory Bureau publicly approved and approved Zhao Shuguang's vice president of Jindhang Consumer Financial Co., Ltd. (hereinafter referred to as "Jin Shang Dianjin"). Last month, the Shanxi Banking Regulatory Bureau just approved the qualifications of Zhao Chongping, vice president of Jin Shang, and the vice president of Jin. Prior to this, the qualifications of the director and chairman of the Jin Shang and the chairman Shang Guanyu and the president Huikang were approved in April. In May 2022, the legal person of the Jin Shang and the gold was changed from Zhao Kiquan to Shangguan Yu general, and senior managers prepared new official jade generals and Huikang. 【Blue Whale Finance】

3. New channel for Ant Credit Money: Transferred the right to credit assets within the year 34 billion

On August 17, Yindeng.com showed that Chongqing Ant Consumer Financial Co., Ltd. (hereinafter referred to as "Ant's Gold") completed the transfer of 1 billion yuan in credit asset income rights. A few days ago, Ant had completed two credit assets of credit assets of 1 billion yuan each. According to incomplete statistics from Yindeng.com, the reporter found that since 2022, Ant's gold has completed 38 credit asset income rights, involving a amount of 34 billion yuan. According to regulatory regulations, the right to credit assets refers to the right to obtain the principal, interest and other agreed funds corresponding to the credit assets. 【Economic Observation Network】

4. China Post Consumer Finance Layon New Citizen Loan

On August 18th, China Post Consumer Finance launched the "New Citizen Assistance Plan-100 million interest-free subsidies" theme activities on the China Post Wallet APP, officially launched "new citizen loans", with an annualized interest rate of 7.2%-23.76%(single interest rate ), The loop quota, borrowing flexibility, interest calculation on daily interest, no non -receiving interest, can be divided into 3/6/9/12/18/24 period. It is reported that China Post Consumer Finance will issue 100 million yuan of interest -free vouchers to relevant users. Users with new citizens' loans can participate. During the event, a 9 % discount coupon is limited to the first period of interest. At present, China Post Consumer Finance has covered many consumer scenarios such as 3C Digital, Tourism, Education, Culture, Home Instyle, Wedding, and other consumer scenarios. [WEMONEY Research Office] 3. Fintech technology

1. Tencent Q2 Fintech sector revenue increased less than 1% year -on -year

On August 17, Tencent Holdings released the second quarter of 2022 financial reports. The financial report shows that the company's revenue in the second quarter was 134 billion yuan, a year -on -year decrease of 3%; net profit was 18.6 billion yuan, a year -on -year decrease of 56%. Under the non -international financial report standards, net profit was 28.1 billion yuan, a year -on -year decrease of 17%. Focusing on the fintech sector, in the second quarter, Tencent Fintech and corporate services achieved revenue of 42.208 billion yuan, an increase of 0.75%year -on -year. It is worth noting that this growth rate has slowed down from the first quarter. In the first quarter of this year, Tencent's fintech and corporate service sector realized revenue of 42.768 billion yuan, an increase of 10%year -on -year. 【WEMONEY Research Room】

2. Lexin released Q2 financial report: transaction 49.1 billion, two -digit growth month -on -month

On August 17th, Lexin (NASDAQ: LX) released unaudited financial results in the second quarter of 2022: In the second quarter of the external environment such as the impact of the epidemic and macroeconomic pressure, Lexin promoted the loan of 49.1 billion yuan, an increase of 13.9 month -on -month increased by 13.9. %; The balance of loan was 86.6 billion yuan, an increase of 3.3%month-on-month; revenue was 2.4 billion yuan, an increase of 40.9%from the previous month; the profit (NON-GAAP EBIT) was 260 million yuan, an increase of 63.5%month-on-month. Compared with the strong business growth in the first quarter, the company's business strategy was adjusted in a timely manner with the ease of the epidemic at the end of May. As of the end of the 2nd quarter, the number of Lexin users reached 178 million, an increase of 23.5%year -on -year, and the year -on -year double -digit growth rate was maintained in 12 consecutive quarters. The number of credit users was 38.87 million, a year -on -year increase of 18%. 【WEMONEY Research Room】

3. After the "monster stock" fell out of favor, the parent company injected 500 million US dollars in hotel property assets into the Shangbuke Section

On August 17, Shangbo Group, together with its subsidiaries, announced that it was announced by Idea and Shangbuki Section. According to the data, in the IDEA strategy of Shangbo Group, the "D" (digital) sector in the IDEA of the Shangbo Digital Section of the subsidiary. Solutions and digital investment; Shangbo Real Estate Group is the "A" section of the Idea strategy of Shangbo Group. It holds high -quality property assets in different core areas of the world. Its fair value of more than 500 million US dollars is held. 【Interface News】

4.360 Division of the second quarter of the second quarter operating income of 4.183 billion yuan, an increase of 4.5% year -on -year

On August 19, 360 Digital Co., Ltd. released unaudited financial performance reports in the second quarter of 2022. According to the financial report, in the second quarter, the operating income of 360 Division reached 4.183 million yuan, an increase of 4.5%year -on -year, and the net profit was 975 million yuan, a year -on -year decrease of 37%; the net profit under non -recognized accounting standards was 1.021.7 billion yuan, a year -on -year decrease of 36.7%. In terms of operating data, the 360 ​​Division of 360 Division in the second quarter contributed a transaction value of 98.281 billion yuan, an increase of 11.1%over the same period in 2021, and the loan balance reached 150.49 billion yuan, an increase of 28%year -on -year. 【Cover News】

5. Jiayin Gold Section promoted the transaction value of 13.5 billion yuan in the second quarter, an increase of 138% year -on -year

On the evening of August 18, Jiayin Gold Science released unaudited financial reports in the second quarter of 2022. According to the financial report, Jiayin Gold Science achieved operating income of 811.6 billion yuan in the second quarter, an increase of 64.9%year -on -year; net profit was 253.8 million yuan, a year -on -year increase of 100.2%. In the first half of the year, operating income was 1.323 billion yuan, an increase of 58.4%from the same period in 2021; net profit was 398 million yuan, an increase of 80.7%over the same period of 2021. In terms of operating data, the second quarter of Jiayin Gold Section promoted the transaction value of 13.5 billion yuan, an increase of 138.4%year -on -year; the number of borrowings increased by 59.5%year -on -year; %, 72.4%in the same period in 2021. 【Surging News】

6. Chairman of the Financial Yitong changed, CEO Shen Chongfeng took over, in the first half of 2022, revenue was 2.1 billion

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