Bei Yin's capital increase permit is canceled: total assets shrink 970 million, and even change the general manager of three waves

As soon as the new general manager's qualifications were approved last month, Beibei Consumer Finance ushered in heavy news.

Recently, the Beijing Banking Insurance Regulatory Bureau announced a decision to cancel an administrative license item. Since Beiyin Consumer Financial Co., Ltd. (hereinafter referred to as "Beiyin Calling Gold") has not completed the legal change procedures within the prescribed time, it has increased registered capital and adjustment Approval of the equity structure (Jingyin Insurance Supervision [2021] No. 881) documents failed.

This means that the capital increase permit of Bein Yin has been canceled.

It is worth noting that in 2021, Bein Yin Consumers had applied for increasing registered capital from RMB 850 million to 1 billion yuan.

According to the original capital increase plan, Bank of Beijing's shareholding ratio will increase from 35.2941%to 37.5%, and the shareholding ratio of Lichen Group Co., Ltd. will increase from 15%to 20.25%.

The shareholding ratio of Santander Consumer Finance Co., Ltd. decreased from 20%to 17%, and Beijing Jiuyuan Chenguang Venture Capital Co., Ltd.'s shareholding decreased from 5%to 4.25%, and the shareholding ratio of Dalian Wanda Group Co., Ltd. Fall to 4.25%, Beijing Liandong Investment (Group) Co., Ltd.'s shareholding ratio decreased from 5%to 4.25%, Lenovo Holdings Co., Ltd.'s shareholding ratio decreased from 5%to 4.25%, Huaxia Dongshi Industrial Group Co., Ltd. The proportion dropped from 5%to 4.25%. Lishen Group and other shareholders have given the Stocks of Beiyan Bank to financial institutions such as Bank of Beijing.

According to the national corporate credit information system, Beidong Consumer Finance's registered capital has increased to 1 billion. The subscription capital of shareholders has also changed. According to data on third -party corporate information platform, Beidong Consumer Finance's registered capital increased in February 2022. At the same time, many directors and supervisors changed personnel.

According to the official website information, Beiyin Consumer Finance was established on March 1, 2010. It is the first domestic consumer finance company in China, which was approved by the former CBRC and initiated by Bank of Beijing. Major shareholders include Spain Santander Consumer Financial Company, Lishi Group, Lenovo Holdings, Dalian Wanda and other companies.

Bei Yin Consumer Finance currently provides personal consumer loans for individual customers with education, rent, tourism, car insurance, decoration and other uses, including "easy payment" and "easy loan" product system. Among them, easy payment includes educational E payment, decoration E payment, renting house E payment, travel E payment, auto insurance E payment, easy E payment. Easy loan includes Juyi Loan, Home Loan, Enjoyment Time Loan, Easy E Loan.

As the first batch of licensed consumer finance companies, Beiyin Consumer Finance did not continue its business scale in the early stage of opening.

In the early days of opening, Beidong Consumer Finance's business developed rapidly, and the business scale once ranked first in the industry. In 2014 and 2015, the net profit of Beidong Consumer Finance was 317 million yuan and 479 million yuan, respectively.

However, its business has followed, and its losses in 2016 were 1.349 billion yuan. The annual net profit of the following years has not exceeded 100 million yuan. In 2019, 2020, and 2021, its net profit was 42 million yuan, 46 million yuan, and 58 million yuan, respectively.

In the first half of 2022, Beidong Consumer Finance achieved net profit of 37 million yuan, an increase of 54%year -on -year. As of the end of the first half of the year, Beibei Consumer Finance's total assets were 8.72 billion yuan, shrinking by 970 million yuan compared with the same period last year, shrinking by 10%. 11.18%from 9.818 billion yuan at the end of last year.

In August, Nie Guangxin, the new general manager of Beiyin Consumer Finance, has just been approved. In less than four years, Beidong Consumer Finance has changed three consecutive candidates for the general manager. Its frequently changing the node of the executives seems to start with a large ticket.

In September 2017, Beiyin Consumer Finance was punished by the Beijing Banking Insurance Regulatory Bureau due to a number of violations such as the existence of supervision and suspension of business. This is a biggest ticket received by Beiyin Consumer Finance in recent years, with a fine of 9 million yuan.

At that time, many of the then general manager Song Wenchang and the deputy general manager Yuan Yaozhen were punished. Song Wenchang was warned and fined 500,000 yuan, and Yuan Yaozheng was disqualified by executives who had been banned for two years and canceled for many years. For about four years, the company has changed the general manager for three times, all of which have the background of Bank of Beijing.

Before the new general manager was approved, in July, Beibei Consumer Finance was fined 800,000 due to problems involved in the Internet loan business. He was accused of insufficient effectiveness in the management of partnerships and the effective management of Internet loan business risks.

Earlier, at the business level, Beiyin Consumer Finance has also received regulatory tickets due to business violations. In August 2018, Beidong Consumer Finance was fined 300,000 yuan for violating the "Regulations on the Management of Credit Credit Industry" for violating the "Regulations on the Management of the Credit Credit Industry". Essence

According to incomplete statistics, the loan -aid platform that Beibei has collaborated on the collaboration includes Changhua, JD Finance, and Fun Travel APP.

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