Shenyang Rural Commercial Bank completed Liaoyang Rural Commercial Bank and other experts: help reduce the pressure of regional banking competition pressure
Author:Daily Economic News Time:2022.07.03
On July 3rd, two announcements issued by Shenyang Rural Commercial Bank on their website showed that with the consent of the national financial management department, since the announcement of the announcement, the outlets, personnel, and deposits of Liaoyang Rural Commercial Bank and Princehe Village Bank were Commercial banks undertake.
Customers can continue to be used in Shenyang Rural Commercial Bank for free, or they can be replaced for free. Fund safety and transaction security are not affected. constant.
According to the announcement, after the acceptance, Shenyang Rural Commercial Bank will effectively safeguard the legitimate rights and interests of the depositors and other customers and related rights under the supervision of the People's Bank of China and the China Banking Regulatory Commission.
Zhou Maohua, a macro researcher at the Everbright Bank Financial Market Department, told reporters that this move helps to reduce the pressure of regional banking competition for the regional banking industry for the Shenyang Rural Commercial Bank, and promote the focus of Shenyang Rural Commercial Bank's service to further sink and enhance the regional influence of the bank.
Fund safety and transaction security are not affected
Zhou Maohua believes that in recent years, there have been many cases of mergers and reorganizations of domestic banks. Due to the market -oriented reform of interest rates, market competition has intensified, financial disconnection, regional economic fluctuations, etc., some small and medium -sized banks with low levels of business and risk control have increased significantly. Many regional small and medium -sized banks choose to "hold a group" to warm up, and improve internal governance through marketization and rule of law to improve their capacity and risk control capabilities.
In Zhou Maohua's opinion, because of the banks in the same region, this undertaking ensures the normal development of various outlets and businesses, and it is not technically difficult. After the two bank deposits business will be undertaken, the legitimate rights and interests of the deposit will be effectively protected. This method of acceptance, the optimization and integration of regional resources will help improve the improvement of the improvement of internal governance, enhance operation and risk control capabilities, and consolidate the foundation of sustainable operation.
Zhou Maohua said that in recent years, the macro economy has faced a complex environment, regional economic fluctuations, and some small and medium -sized banks are facing operating pressure and challenges. The overall financial service supply proposes higher requirements. Banks through marketization and rule of law, innovation and reorganization and integration methods are a good phenomenon. From the perspective of trends, the banking industry has continued to deepen reform, continuously improves internal governance, and enhances its capacity for operation and risk control. The financial system will be more stable, the quality of financial services will continue to improve, and the real economy capabilities of financial services will continue to increase.
The Central Bank's "Financial Times" learned from the Liaoning Banking and Insurance Bureau that in order to effectively protect the legitimate rights and interests of the depositors, on July 2, 2022, Shenyang Rural Commercial Bank successfully completed the outlets, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, and personnel, and personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, personnel, The acceptance of deposits. The work of undertaking the work is smooth and orderly, the business outlets are normalized, and the business is handled normally. The security of funds and the safety of transactions will not be affected. At present, the province's local legal person banks have sufficient funds and run smoothly.
In the next step, the China Banking Regulatory Commission will actively support and cooperate with the Liaoning Provincial Party Committee and Provincial Government to further promote the reform and development of the Liaoning Provincial Party Committee, jointly maintain regional financial stability, enhance the financial service real economy capabilities, promote the comprehensive revitalization of Liaoning, comprehensive revitalization, Essence
Shenyang Rural Commercial Bank's net profit in 2021-28.923 million yuan
Public information shows that Shenyang Rural Commercial Bank was established by the four rural credit cooperation allocation of four rural credit cooperation parties in the former Dongling, Yu Hong, Shenbei, and urban area on December 17, 2011. It is the first city -level rural commercial bank in Liaoning Province. Shenyang The city's second headquarters bank, the outlets are all over the urban and rural areas. Municipal business outlets and financial institutions with more employees.
Shenyang Rural Commercial Bank's 2021 financial report shows that as of the end of 2021, the bank's total assets of 64.94 billion yuan, an increase of 13.05 billion yuan from the beginning of the year, an increase of 25.15%; the deposit achieved 55.73 billion yuan, an increase of 14.58 billion yuan from the beginning of the year, an increase of 35.44%. 28.23 billion yuan, a decrease of 1.66 billion yuan from the beginning of the year, a decrease of 5.57%; the annual net profit was-28.923 million yuan.
In terms of asset quality, as of the end of 2021, the non -performing loan ratio of Shenyang Rural Commercial Bank was 6.69%, the coverage rate was 57.68%, the capital adequacy ratio was 7.1%, and the cost income ratio was 94.32%. "Daily Economic News" reporter noticed that the four indicators of the bank did not meet the regulatory standards.
Daily Economic News
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