Digital Financial Weekly | Chairman of Xiamen Bank for 13 years of resignation

I. Bank

1. The seven major banks reduce the interest rate of RMB deposits to promote consumption to suppress savings

On September 15, ICBC, Agricultural Bank of China, Bank of China, CCB, Bank of Communications, and Postal Savings Bank, including the major banks, and the postal savings banks, and China Merchants Bank collectively lowered the listing interest rate of RMB deposits. Compared with the reduction of deposit interest rates in April this year, the deposit variety covered by the decline in interest rates is more extensive. From current deposits to regular deposits and large deposit orders, from 3 months to 5 years, the decrease from 5 basis points from 5 basis points Do not wait for 15 basis points. 【Securities Times】

2. Prevent risk! There are banks to adjust the rules of personal foreign exchange trading rules

Recently, Minsheng Bank issued an announcement that it will adjust the business agreement and trading rules of the "personal real foreign exchange transaction" business agreement and trading rules from September 23. A number of contents such as anti -money laundering clauses. In terms of personal reality foreign exchange trading business trading rules, Minsheng Bank pointed out that before the payment transaction was traded, the customer could carry out the withdrawal operation. The stop loss additional order is revoked accordingly. 【Beijing Business Daily】

3. The chairman of Xiamen Bank resigned! The total assets of the thirteenth year of the helm are 21 times the total assets

On September 13, Xiamen Bank issued an announcement of a major personnel change. Wu Shiqun submitted resignation to the company's board of directors and applied for resignation to the chairman of Xiamen Bank. For the reason for resignation, Xiamen Bank said it was due to organizing personnel adjustments. However, after Wu Shiqun resigned, Wu Shiqun will still perform the duties of the Chairman and legal person of Xiamen Bank before the new "head of the person" is qualified for supervision and approval. At the same time, Wu Shiqun will still serve as a director, chairman and member of the Strategic Committee, and members of the Nomination Committee. 【Technology Finance Online】

4. Vulnerability of China Merchants Bank Credit Card activity! Successful operations can arbitrage 170 yuan

From picking credit card points to the red envelopes of the activity, China Merchants Bank credit card has been arbitrage by the Wool Party. Recently, the event of China Merchants Bank's credit card has experienced vulnerabilities. The cardholder used the vulnerability arbitrage. After the operation was successful, everyone could arbitrage 170 yuan. It is understood that the 170 yuan red envelope that was arbitrage, including 50 yuan red envelopes in Florence Town, 50 yuan red envelopes worldwide, Best 50 yuan red envelope and Qingpu Ole 25 yuan red envelope, totaling 170 yuan. 【Pay Encyclopedia】

2. Consumer finance

1. The heating signal of the gold protection industry is obvious: multiple institutions are looking forward in the second half of the year, and the head of a certain head is 1 billion yuan in three years

Recently, a number of semi -annual reports have been released, including licensed and gold -holding companies, Internet listed companies, and banks. Related data is sweeping pessimistic. Under various factors such as repeated epidemic, strengthening supervision, and economic pressure, although it is not very eye -catching, and even increasing income and increasing income, the overall data is better than expected. For example, in terms of licensed gold, all 19 licensed consumer finance companies disclosed the operation of the first half of 2022. Although the growth rate of net profit has declined sharply, most of the net profit of licensed consumer finance companies has grown forward. In terms of Internet platforms, it is mainly to help loan. Although it is expected to be pessimistic, the profitability is still verified. One of the listed companies has a dividend of about 1 billion yuan in the past three years, and the balance of matching credit at the end of Q2 has reached 50 billion+, bringing rich returns to shareholders. 【Golden Realm】

2. Hong Feng, Vice President of Xiaomi, stepped down as the legal representative of Tianxing Digital Division, Lin Shiwei took over

Tianyancha shows that Tianxing Digital Technology Co., Ltd. (hereinafter referred to as "Tianxing Digital Section") has recently changed business changes, and the company's legal representative, director, manager, and supervisor have undergone personnel changes. Hong Feng, co -founder of Xiaomi Group. Xiaomi Vice President and CFO Lin Shiwei took over. It is understood that the management team page of the Xiaomi official website has also been adjusted. Lin Shiwei wrote that "the same chairman of the Diaoxing Digital Section" is written. According to the official website of Xiaomi, Lin Shiwei joined Xiaomi Group in October 2020. He is currently serving as vice president and chief financial officer of Xiaomi Group. 【Interface News】

3. Gitzo Consumer Finance has been executed four times this year: the supervisor has changed, and the defendant has exposed the defendant's self -exposure.

The Tianyancha APP shows that on September 9, the major members of Gitzo Consumer Finance changed. Supervisor Christoph Glaser withdrew and added Frederic Jacques Claude Tardy to take over. It is also worth noting that on September 2nd, Gitzo Consumer Finance was listed as the executed person with Fang Moumou's reputation. It is worth noting that since the second half of this year, Gitzo Consumer Finance has been listed four times as an executor. In addition, in February 2020, the then CEO of Gitzo published an internal letter saying that the company opened a transformation journey, implying a new round of layoffs. Public information shows that as of the end of September 2019, Gitzo Finance has set up more than 290,000 POS loan points in China and has about 43,000 full -time employees. As of the end of December 2020, the full -time full -time employee of Gitzo Financial was about 21,000. In March of last year, Gormon once again exposed the layoffs. 【Financial Tiger Network】

3. Fintech

1. New routines for non -performing loans intermediary routines, supervision reveals "AB loan", induced customer signing agreement, etc.

"Zero threshold", "high quota, low interest loan" and "free processing" and other non -performing loan agency fancy marketing behaviors have emerged endlessly. The "routine" is full. There are problems such as false publicity, opaque rates, inexplicable charges or loans. With the continuous changes in the economic environment, technology applications, and banking business, the routines of bad intermediaries are also full of tricks, which disrupt the market financial order and seriously infringe on the legitimate rights and interests of financial consumers. On September 14, the Fujian Banking Insurance Regulatory Bureau issued the "Risk Tips on Preventing a New Routine of Never Loan Intermediaries", which revealed the new routine marketing behavior of non -performing loan agencies on the market. [WEMONEY Research Office] 2.51 credit card assistance business: nearly 36%of the borrowing interest rate, loan supermarket diversion unqualified loan products

The credit card business of 51 credit card is also controversial. 51 credit card provides relevant guarantee services to improve the credit of the target borrower and promote the successful pairing of it with the investor. Service fees and guarantee fees are charged at the percentage of the loan amount of the matching loan. Total expenses (including service fees and guarantee fees) are charged to the target borrowers monthly on a loan period. 51 Credit Card carried out cash loan business through its 51 -person borrowing products such as 51 people's loan, and users questioned that they had collected too high guarantee fees. The user of Guangdong, Kobayashi, borrowed 8,000 yuan from human loans in August 2021, with 802.9 yuan per period, a total of 9634.8 yuan in the 12th period, and the repayment interface showed that the interest rate was as high as 35.8%. 【WEMONEY Research Room】

3. Chongqing Black Card Small Loan, a subsidiary of WeChat Technology, is executed.

Recently, China's implementation information disclosure network shows that black card small loans are currently included in the person's list of executors, and the case related company and Zhao existing a labor dispute. WeChat Technology is the parent company of Weijinke, which is good in installments, and the source of funds and loans for good installment is Chongqing Black Card Micro Loan Co., Ltd. (hereinafter referred to as "Black Card Small Loan"). Good golden family. The one -click bundled personal information authorization set by a good staged platform has involved the security of consumers' personal information. The actual measurement found that during the process of applying for a loan, although the loan page showed that the prepaid lender was Sanxiang Bank, it actually agreed to check the "full loan agreement". 【Blue Whale Finance】

4. Huobi Technology is planned to be renamed Xinhuo Technology: Losing 48.8 million Hong Kong dollars in the first half of the year

A few days ago, Huobi Technology announced that the board of directors suggested that the company's Chinese name "Huobi Technology Holdings Co., Ltd." was changed to "Xinhuo Technology Holdings Co., Ltd.". The Board of Directors of Huobi Science and Technology believes that changing the company name will give the company a brand new corporate image and identity, which will help the group's future business development and comply with the overall interests of the company and shareholders. It is understood that in the first half of 2022, Huobi Technology recorded a total income of approximately HK $ 352 million, an increase of 34.4%year -on -year from the same period in the same period in 2021; the loss of HK $ 48.8 million, and the profit of 54.1 million in the same period in 2021 Hong Kong dollar. 【Gelonhui】

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