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The supervision of the financial system continued to increase. Recently, a number of financial institutions were fined for illegal operations, and Sichuan Wangxin Bank Co., Ltd. was also involved.
On July 23rd, Chengdu Branch of the Central Bank issued five tickets. Wang Xin Bank was fined 6.3 million yuan for four disciplinary actions, including trading with customers with unknown real identities, which set a new record for the highest fine of small and medium-sized banks.
In the previous March, this bank was punished by the Consumer Protection Bureau of China Banking Regulatory Commission (CBRC) in informed criticism for violating regulations, excessively high loan interest rate and debt collection.
"Investor Network" noted that Wangxin Bank also suffered the embarrassment of selling its shares at a discount. Ju Yang Group, the fifth largest controlling shareholder, was deeply involved in the equity financing dispute case, and the shares of this bank were discounted by 30% in the auction until it was revoked one month later, during which no one asked.
What's wrong with this online bank? Regarding the above questions about the auction progress and its "rectification after the announcement", Investor.com wrote to the office of the bank for answers, but no reply was received.
The record-breaking ticket mapped several system vulnerabilities.
20 16, 16 On February 28th, Wangxin Bank was opened, and it was a shareholder of New Hope Group, Xiaomi Mobile, Hongqi Chain and other companies. It is the seventh small and medium-sized bank in China and one of its three largest Internet banks. Its main businesses include personal credit loans, depository and corporate online banking.
On July 23, the content of the penalty information showed that the bank had four violations, including: failing to perform the customer identity verification responsibility as required; Failing to keep the customer's real identity information and transaction details as required; Failing to report excessive transactions or abnormal transactions as required; Doing business with customers whose real identities are unknown. Chengdu Branch of the Central Bank fined Wangxin Bank 630,000 yuan, and at the same time fined Liu Bo, former president of Wangxin Bank, Li Xiumei, manager of B2C consumer credit department, Liu Gang, director of compliance management and manager of legal department, and Jun Guo, director of deposit and wealth management department, 95,000 yuan, 85,000 yuan, 45,000 yuan and 1 10,000 yuan respectively.
According to the published information, it is found that the largest number of small and medium-sized banks were punished by Sanxiang Bank in Hunan Province in 2065438+2009, with a total penalty of 4.32 million. Therefore, this ticket from Wang Xin Bank has set a new penalty record for small and medium-sized banks.
Since the end of July, 2065438+2008, the central bank has successively issued the Notice on Strengthening the Identification of Anti-money Laundering Customers and the Notice of the General Office of the People's Bank of China on Further Strengthening the Anti-money Laundering and Anti-terrorist Financing. , thus further strengthening the control scope of compliance management. Supervision institutions have held compliance management meetings for many times to improve the work level of supervision institutions and improve the conduction chain of compliance management control.
Customer identity verification is the first line of defense and foundation of anti-money laundering work of financial enterprises. Huang, a researcher at Jingdong Financial Research Institute, said, "If financial institutions organize _ to store and identify customers' information content and _ to fulfill their verification responsibilities, then _ when customers' valid identity documents or bank cards are lost in the financial industry, there will be the risk of being used by criminals.
However, a professional told Investor News. Com believes that "on the one hand, the information content of customers is probably incomplete, and customers give information content unilaterally, so financial enterprises have certain problems in customer identity verification and cannot guarantee positive accuracy."
Some practitioners also feel that "controlling _ suppressing the compliance of financial enterprises is still a top priority. In addition to the control institutions resolutely put an end to it, financial enterprises should comprehensively use high-tech means to improve the accuracy of customer identity verification and the rational use of information content.
In response to the violations listed in the fine, Wang Xin Bank once replied to the news media that "the rectification has been carried out in accordance with the notice, and the key issues have been rectified.
Be notified for "damaging the rights and interests of consumers"
Under the "Company Introduction Channel" of Bank of Wang Wan client, the core concept of "customer orientation and technology upgrading" is impressively written. With the help of leading Internet finance working ability, stable big data risk control technology and efficient Internet technology developer platform business model, the project will serve the little people, be applied to the real economy of China and implement HP Finance.
In fact, Wangxin Bank is the second financial institution in China to pass the evaluation of high-tech companies, and its overall high-tech strength can be seen. According to the published information and the 2020 annual report, by the end of March 2020, the bank had submitted 65,438+044 patent applications; On April 23rd, 2020, IPRdaily, the news media of patent industry chain, and incoPat Independent Innovation Index Institute jointly released "20 19 ranking list of patent inventions of global financial institutions", and Wangxin Bank ranked first in the world with 1 On August 24th, 2020, the smart financial information service for small and medium-sized enterprises, which is calculated according to all aspects of security, was selected as the demonstration site of independent innovation management and control of the financial industry of Chengdu Branch of the Central Bank.
As we all know, this Internet bank with "customer-oriented" and "small group service project" was nominated by relevant enterprises around "3 15 Consumer Rights Day", and the reason was actually related to "debt collection being reported".
On March 18, the Consumer Protection Bureau of the China Banking Regulatory Commission published No.2021No.5 "Circular on Cases of New Online Banking Infringeing on Consumers' Legal Rights and Interests", which informed the cases of new online banking infringing on customers' legal rights and interests.
The circular emphasizes that since the fourth quarter of 20 19, the complaints received by the management and control system software from customers to the new network bank have increased significantly, and the total number of complaints about car purchase loans ranks second among the financial enterprises of commercial banks, reflecting that the key problems are concentrated in financial institutions' violations, doubtful car purchase loan quotas, high loan interest rates and debt collection.
In response to the above notice of the CBRC, Wangxin Bank issued an explanation in official website, and said that it had been rectified.
It is very noteworthy that the notice mentioned that "the complaint about the collaborative business process between Wangxin Bank and a comprehensive service platform for car internet installment payment is particularly prominent, but the name of the comprehensive service platform for car internet installment payment is still not emphasized. However, according to customer reports, especially mass reports, the service platform may have been called "the first used car finance in China".
At the end of 20 19, Liu Yannan, the founder of Meiliche Finance, was put on file for investigation because of the "1 105 mega-network black and evil forces loan case", and the useful staged black and evil forces he founded were seized, and the total number of special arrests exceeded 1600. From the planning to the IPO in the United States, the founder was taken away, which was a "routine loan objection".
However, there is a close relationship between Xinwang Bank and Murray Financial at the share level. New Hope Group controlled by Liu Yonghao is the first controlling shareholder of Xinwang Bank, holding 30% of the shares, and also the first controlling shareholder of Meiliche Finance, holding 16.3%. Xinwang Bank is also one of the two most important assets of Meiliche Finance.
The statement released by the Bank of New Network in official website shows that "the issues highlighted in the notice focus on some business processes in the early days of the opening of the Bank of New Network. Over the past year or so, based on the implementation opinions of the regulatory authorities, the Bank has set up a key rectification working group to carry out self-examination and self-correction in an all-round way, and made progress in rectification of key issues.
Only "Investor Network" found on the black cat complaint service platform that there were 2792 results involving the new network bank, with a satisfaction rate of 3 stars. Customers' reports on this bank and its business processes have never been interrupted.
In the explanation of March 18, naxin.com talked about "setting up a key rectification working group, starting self-correction and self-examination and continuous rectification in all directions, and making progress in rectification of key issues. How is the actual progress? In response to the inquiry of "Investor Network", Xinwang Bank is not clear.
Why didn't anyone ask about the 30% discount on shares?
Wang Xin Bank, which continued to report and was fined heavily, has been bidding for 30% of its shares for nearly a month.
On April 5, 65438, a public notice showed that "6% of the shares of Sichuan Wangxin Bank Co., Ltd. owned by Sichuan Ju Yang Enterprise Management Group Co., Ltd. will be traded in Taobao from around 11: 00 on May 7 to around 11: 00 on May 8 in China, 202 1.
According to the court judgment on May 2 1, Ju Yang Group Company explicitly questioned in writing, because the base date of the analysis report of the persons involved was 20 19 12 3 1, and the validity period was 2020 12 30, which could no longer be used as the basis for clarifying the market price of asset disposal, and the people's court allowed it to be revoked.
It is worth mentioning that the Ali auction service platform shows that the above-mentioned10.8 billion equity auction will be released from April 15 to May 12. After nearly a month, the topic was read 197 1 time, and 4 1 person set a reminder, but no one entered the exam.
According to the judgment of the court, Ju Yang Group Company also tried to question that the evaluation price of shares in the above auction was too low, but the people's court rejected the appeal. According to the already "too low" transaction price of 510.80 billion yuan, the starting price is basically 30% off the transaction price.
I feel looked down upon here. No one should try a 30% discount. One is low and the other is high. Why is this share of 65.438+0.8 billion "not fragrant"? From the main performance of Wangxin Bank's recent sales performance, we can see the reasons.
Wind data shows that by the end of 2020, the total assets of Wangxin Bank will be 40.56 billion yuan, down 8. 14% from the end of last year. Total liabilities were 35.55 billion yuan, down 65.438+00.79% from the end of 2065.438+09. The bank's provision ratio decreased from 693.03% at the end of 20 18 to 334.80% at the end of 2020; By the end of 2020, the unqualified rate was 1. 19%, an increase of 0.59 points compared with the end of 20 19.
Analysis of some financial indicators of Wangxin Bank in recent three years
Source: 2020 Annual Report of New Network Bank.
In addition to shrinking property and rising unqualified rate, in terms of profit indicators, the bank's revenue from 20 17-2020 was 359 million yuan,1370 million yuan, 26.8 1 000 million yuan and 2.357 billion yuan respectively, and the improvement of operating income showed a downward trend. The net profit of loan interest in this period is 3,654.38+0.3 million yuan, 654.38+0.65, 4.38+0.06 million yuan, 2,065.48+0.8 million yuan and 2.23 billion yuan respectively, accounting for over 80% of the operating income, and 94.6% in 2020.
In addition, since 20 18, Wangxin Bank's net profit in 2020 decreased for the first time year-on-year, and the previous surge in its profits was the expansion of loan operation scale. By the end of February 2009, the Bank had issued loans totaling 356.8 billion yuan and 6.758 million service projects.
The bank's loan operation scale has expanded, relying too much on interest expenses, and there have been problems such as unprofessional research before lending, being reported to be suspected of debt collection, and raising the cost of customers' funds. What does it matter? How can it be improved? Because the new network bank level has not responded to the question, so I don't know what to answer at this stage. ■
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