Jiangyin bank opens digital currency
Publish: 2021-04-20 18:53:11
1. Changshu bank issue price 4.28 yuan, because the bank can not be lower than the net assets per share issued, the latest net assets per share is 4.28 yuan
2. 51321177 discussion group of potential in Jiangyin bank
3. I heard that the general company is 3 years, just heard!!
4. The new bank shares, Jiangyin bank early rose too much. Avoid the main
to solve the stock that does not participate in speculation
to solve the stock that does not participate in speculation
5. Why did the bank settle so much net capital per share in 2019? I'm sorry? Don't you understand?
6. The personal information you reserved in the bank is incomplete
I will take my ID card and bank card to the branch to supplement the information
it will not hinder the process of deposit and withdrawal
I will take my ID card and bank card to the branch to supplement the information
it will not hinder the process of deposit and withdrawal
7.
Personal credit report inquiry outlets
government affairs service center, No.188 Changjiang Road, Jiangyin City, Wuxi City, Jiangsu Province (inquiry window of Jiangyin branch of the people's Bank of China)
Tel: 0510-88027176
extended data:
commercial bank outlets can check personal credit report
personal credit information of Jiangyin branch of the people's Bank of China includes personal credit information Basic information, as well as personal housing provident fund, credit card, loans and other information, the public can go directly to the bank or on the Internet. In order to further facilitate public inquiry, it is expected that the establishment of personal credit report agency inquiry outlets in commercial banks will be launched this year
At present, personal credit report is mainly used for loan, employment, business contacts, stock index futures account opening, etc. With the increasingly extensive and in-depth application of enterprise and indivial credit reports in various fields of economy and finance, citizens pay more and more attention to their own credit statusaccording to the regulations of the people's Republic of China on the administration of credit reference instry, each person has the opportunity to inquire his / her credit report twice a year for free, and the third inquiry will start to be charged. In order to facilitate the public to inquire personal credit, the credit reference center of the people's Bank of China has opened online inquiry
8. Jiangyin sub branch business hours: 8:30-16:30, closed on Saturday
(response time: September 5, 2019, please refer to the official website of China Merchants Bank for the latest business changes.)
(response time: September 5, 2019, please refer to the official website of China Merchants Bank for the latest business changes.)
9. As the first share of A-share listing of rural commercial bank, Jiangyin bank's listing in September last year was very prosperous, and then it was repeatedly hot fried by hot money. With the strong return of new bank stocks in early August, it once again affected the nerves of the market. However, it is found that the non-performing loan ratio of Jiangyin bank is 2.41%, which corresponds to the provision coverage rate approaching the red line. Is Jiangyin bank really able to bear the fines and disputes
at the beginning of this year, the bill case between Hengfeng bank and Jiangyin bank just came out and has not yet been settled. Recently, the Bank of Jiangyin's "blood" program has once again encountered obstacles. Jiangyin bank plans to issue 2 billion yuan of A-share convertible corporate bonds at the beginning of March, which will be included in the core tier one capital according to the relevant regulatory requirements. The plan was approved by Jiangsu Securities Regulatory Bureau in June this year, but recently it received feedback from the Securities Regulatory Commission, asking for an explanation of the company's outstanding litigation with large amount of bill business. According to statistics, the amount of pending litigation has accounted for more than 40% of the net profit of Jiangyin rural commercial bank last year<
compared with the business of "being attacked from both sides" recently, the share price of Jiangyin bank has started to make a big move again. The rural commercial banks in Jiangsu Province, led by Jiangyin bank, performed bravely in the initial stage of listing, and have been paid much attention to by the market. At the beginning of May, the stock price had just stabilized. Then on the first trading day of August, Jiangyin bank, with the title of "the next new unbeaten", led the rise of the banking sector again, and even won a good start in August. On the first trading day, it closed at the limit
behind the limit rise of Jiangyin bank, the biggest force is the large inflow and outflow of hot money. These small and profitable urban commercial banks and rural commercial banks are most popular with hot money. However, in addition to hot speculation on the share price by hot money, the performance of Jiangyin bank has declined, and it is a fact that it has been punished repeatedly<
intractable bill disputes
this time, the CSRC raised four questions in the feedback, asking Jiangyin bank to explain. The first key issue is the bill case of pending litigation. As early as the beginning of this year, Jiangyin bank and Hengfeng bank had "mutual antagonism" over the bill dispute case. At that time, both sides held different opinions
Jiangyin bank subsequently replied that there were six pending lawsuits involving the bill business of Xuanhan village bank, a subsidiary of Jiangyin bank, of which four were about Hengfeng bank. At the end of February, Hengfeng bank sued Xuanhan village bank for not performing the contract as scheled to buy back bills, causing losses to Hengfeng bank; Then Jiangyin bank countered that the official seal was forged by Hengfeng, and there was no bill repurchase business between the two sides; Hengfeng also hit back again, referring to Jiangyin bank's "subjective assumption"
although Jiangyin bank repeatedly reiterated that Xuanhan village bank did not engage in any bill repurchase business with the plaintiff, it was someone who illegally carried out bill repurchase business in the name of Xuanhan village bank. Jiangyin bank is full of confidence, but such a long-term wrangle is bound to make "the first rural commercial bank" lose face. According to the statistics of the judicial documents of the above pending litigation, the total amount of litigation claims involved in the above litigation at the time of prosecution was 347 million yuan, accounting for 3.85% of the net assets of Jiangyin rural commercial bank at the end of 2016 and 45.24% of the net profit of 2016
it is normal for the CSRC to give feedback to banks. However, if the litigation amount accounts for a high proportion of profits, it can also show that the main business is not strong enough. In addition, the CSRC's feedback on this will also have a certain impact on the market e to the large scale of convertible bonds. At present, the stock market is not peaceful, and the regulatory authorities do not want any more trouble< After the listing of Jiangyin bank, its performance did not stop declining. No matter in 2016 or in the first quarter of 2017, Jiangyin bank's revenue and net profit both declined. In 2016, the operating revenue and net profit of Jiangyin bank were 2.469 billion yuan and 778 million yuan respectively, with a year-on-year decrease of 1.39% and 4.49% respectively; In the first quarter of 2017, the bank's operating revenue and net profit were RMB 551 million and RMB 175 million respectively, with a year-on-year decrease of 8.34% and 1.16%. Among the listed banks that have disclosed the first quarter report, Jiangyin bank is the only one with negative growth rate of net profit belonging to shareholders of listed companies< More importantly, the non-performing loan ratio of Jiangyin bank is increasing year by year. It rose from 1.91% in 2014 to 2.41% in 2016, and remained high until the first quarter of 2017. The non-performing loan ratio of other Jiangsu rural commercial banks listed in a shares is lower than that of Jiangyin bank. In 2016, the average non-performing loan of China's commercial banks was only 1.74%. Since 2014, except that the non-performing loan ratio of Jiangyin bank was lower than that of Agricultural Bank of China in 2015, all other years have been listed A-share banks with the highest non-performing loan ratio
Jiangyin bank, which is highly dependent on interest income, has a high non-performing loan ratio. However, what is more disturbing is that the provision coverage rate, which is close to the red line, is on the low side< With the high non-performing loan ratio and low provision coverage ratio, Jiangyin Bank seems to have fallen into a vicious circle. According to statistics, the provision coverage rate of Jiangyin bank at the end of 2016 was only 170.14%, approaching the regulatory red line of 150%. Such a level is still on the low side in the same type of banks. If the non-performing loans continue to rise in the future, the pressure of provision will only increase
in addition, Jiangyin bank's attention loan migration rate and suspicious loan migration rate are also soaring, which means that the probability of normal loans becoming non-performing loans is increased, and the probability of actual loss loans is also greatly increased. Perhaps it is only a matter of time before Jiangyin bank's provision coverage rate breaks through the regulatory red line
Jiangyin bank has lost the means of adjusting profits through thin coverage, so the pressure of future performance is self-evident<
tickets are flying all over the world
in addition to the bill business, the interbank business of Jiangyin bank is also constantly punished. On December 27, 2016, Xuanhan village bank was fined RMB 200000 by Dazhou regulatory branch of CBRC for opening five inter-bank accounts in violation of regulations, totaling RMB 1 million. In addition to this subsidiary, Shuangliu Chengmin rural bank, another subsidiary, was fined 450000 yuan by Sichuan banking regulatory bureau on May 27, 2016
in addition, Jiangyin bank has been punished four times by Jiangyin branch of State Administration of foreign exchange, Wuxi banking regulatory bureau and branches of the people's Bank of China for its counter proceral operation on behalf of customers, its failure to declare balance of payments statistics in accordance with regulations, and its violation of anti money laundering
while Jiangyin bank has been punished repeatedly, its internal control problem is obvious< According to the records, Xuanhan village bank has only 20 million yuan of registered capital, but it frequently appears in the bill business of Hengfeng bank, instrial bank and other joint-stock bank branches, involving hundreds of millions of yuan. This not only shows that there are too many potential problems in rural banks, such as radish chapter, Bill fraud and other cases, but also shows the lack of internal control of Jiangyin bank
What's more surprising is that in recent years, the regulatory authorities have been increasing their supervision on interbank business, while Jiangyin bank has been biased towards Hushan bank. According to the bank's 2016 annual report, vigorously developing interbank business is one of the main tasks. According to the first quarter report of 2017, as of the end of March, the bank's deposits with banks and other financial institutions amounted to 1.204 billion yuan, and its lending funds amounted to 1.197 billion yuan; At the end of 2016, the above two items were RMB 867 million and RMB 1236 million respectively
maybe the CSRC's feedback on Jiangyin bank is just the beginning.
at the beginning of this year, the bill case between Hengfeng bank and Jiangyin bank just came out and has not yet been settled. Recently, the Bank of Jiangyin's "blood" program has once again encountered obstacles. Jiangyin bank plans to issue 2 billion yuan of A-share convertible corporate bonds at the beginning of March, which will be included in the core tier one capital according to the relevant regulatory requirements. The plan was approved by Jiangsu Securities Regulatory Bureau in June this year, but recently it received feedback from the Securities Regulatory Commission, asking for an explanation of the company's outstanding litigation with large amount of bill business. According to statistics, the amount of pending litigation has accounted for more than 40% of the net profit of Jiangyin rural commercial bank last year<
compared with the business of "being attacked from both sides" recently, the share price of Jiangyin bank has started to make a big move again. The rural commercial banks in Jiangsu Province, led by Jiangyin bank, performed bravely in the initial stage of listing, and have been paid much attention to by the market. At the beginning of May, the stock price had just stabilized. Then on the first trading day of August, Jiangyin bank, with the title of "the next new unbeaten", led the rise of the banking sector again, and even won a good start in August. On the first trading day, it closed at the limit
behind the limit rise of Jiangyin bank, the biggest force is the large inflow and outflow of hot money. These small and profitable urban commercial banks and rural commercial banks are most popular with hot money. However, in addition to hot speculation on the share price by hot money, the performance of Jiangyin bank has declined, and it is a fact that it has been punished repeatedly<
intractable bill disputes
this time, the CSRC raised four questions in the feedback, asking Jiangyin bank to explain. The first key issue is the bill case of pending litigation. As early as the beginning of this year, Jiangyin bank and Hengfeng bank had "mutual antagonism" over the bill dispute case. At that time, both sides held different opinions
Jiangyin bank subsequently replied that there were six pending lawsuits involving the bill business of Xuanhan village bank, a subsidiary of Jiangyin bank, of which four were about Hengfeng bank. At the end of February, Hengfeng bank sued Xuanhan village bank for not performing the contract as scheled to buy back bills, causing losses to Hengfeng bank; Then Jiangyin bank countered that the official seal was forged by Hengfeng, and there was no bill repurchase business between the two sides; Hengfeng also hit back again, referring to Jiangyin bank's "subjective assumption"
although Jiangyin bank repeatedly reiterated that Xuanhan village bank did not engage in any bill repurchase business with the plaintiff, it was someone who illegally carried out bill repurchase business in the name of Xuanhan village bank. Jiangyin bank is full of confidence, but such a long-term wrangle is bound to make "the first rural commercial bank" lose face. According to the statistics of the judicial documents of the above pending litigation, the total amount of litigation claims involved in the above litigation at the time of prosecution was 347 million yuan, accounting for 3.85% of the net assets of Jiangyin rural commercial bank at the end of 2016 and 45.24% of the net profit of 2016
it is normal for the CSRC to give feedback to banks. However, if the litigation amount accounts for a high proportion of profits, it can also show that the main business is not strong enough. In addition, the CSRC's feedback on this will also have a certain impact on the market e to the large scale of convertible bonds. At present, the stock market is not peaceful, and the regulatory authorities do not want any more trouble< After the listing of Jiangyin bank, its performance did not stop declining. No matter in 2016 or in the first quarter of 2017, Jiangyin bank's revenue and net profit both declined. In 2016, the operating revenue and net profit of Jiangyin bank were 2.469 billion yuan and 778 million yuan respectively, with a year-on-year decrease of 1.39% and 4.49% respectively; In the first quarter of 2017, the bank's operating revenue and net profit were RMB 551 million and RMB 175 million respectively, with a year-on-year decrease of 8.34% and 1.16%. Among the listed banks that have disclosed the first quarter report, Jiangyin bank is the only one with negative growth rate of net profit belonging to shareholders of listed companies< More importantly, the non-performing loan ratio of Jiangyin bank is increasing year by year. It rose from 1.91% in 2014 to 2.41% in 2016, and remained high until the first quarter of 2017. The non-performing loan ratio of other Jiangsu rural commercial banks listed in a shares is lower than that of Jiangyin bank. In 2016, the average non-performing loan of China's commercial banks was only 1.74%. Since 2014, except that the non-performing loan ratio of Jiangyin bank was lower than that of Agricultural Bank of China in 2015, all other years have been listed A-share banks with the highest non-performing loan ratio
Jiangyin bank, which is highly dependent on interest income, has a high non-performing loan ratio. However, what is more disturbing is that the provision coverage rate, which is close to the red line, is on the low side< With the high non-performing loan ratio and low provision coverage ratio, Jiangyin Bank seems to have fallen into a vicious circle. According to statistics, the provision coverage rate of Jiangyin bank at the end of 2016 was only 170.14%, approaching the regulatory red line of 150%. Such a level is still on the low side in the same type of banks. If the non-performing loans continue to rise in the future, the pressure of provision will only increase
in addition, Jiangyin bank's attention loan migration rate and suspicious loan migration rate are also soaring, which means that the probability of normal loans becoming non-performing loans is increased, and the probability of actual loss loans is also greatly increased. Perhaps it is only a matter of time before Jiangyin bank's provision coverage rate breaks through the regulatory red line
Jiangyin bank has lost the means of adjusting profits through thin coverage, so the pressure of future performance is self-evident<
tickets are flying all over the world
in addition to the bill business, the interbank business of Jiangyin bank is also constantly punished. On December 27, 2016, Xuanhan village bank was fined RMB 200000 by Dazhou regulatory branch of CBRC for opening five inter-bank accounts in violation of regulations, totaling RMB 1 million. In addition to this subsidiary, Shuangliu Chengmin rural bank, another subsidiary, was fined 450000 yuan by Sichuan banking regulatory bureau on May 27, 2016
in addition, Jiangyin bank has been punished four times by Jiangyin branch of State Administration of foreign exchange, Wuxi banking regulatory bureau and branches of the people's Bank of China for its counter proceral operation on behalf of customers, its failure to declare balance of payments statistics in accordance with regulations, and its violation of anti money laundering
while Jiangyin bank has been punished repeatedly, its internal control problem is obvious< According to the records, Xuanhan village bank has only 20 million yuan of registered capital, but it frequently appears in the bill business of Hengfeng bank, instrial bank and other joint-stock bank branches, involving hundreds of millions of yuan. This not only shows that there are too many potential problems in rural banks, such as radish chapter, Bill fraud and other cases, but also shows the lack of internal control of Jiangyin bank
What's more surprising is that in recent years, the regulatory authorities have been increasing their supervision on interbank business, while Jiangyin bank has been biased towards Hushan bank. According to the bank's 2016 annual report, vigorously developing interbank business is one of the main tasks. According to the first quarter report of 2017, as of the end of March, the bank's deposits with banks and other financial institutions amounted to 1.204 billion yuan, and its lending funds amounted to 1.197 billion yuan; At the end of 2016, the above two items were RMB 867 million and RMB 1236 million respectively
maybe the CSRC's feedback on Jiangyin bank is just the beginning.
10. Jiangyin bank on September 4, 2017&# 160; The lifting of restrictions on sale:
the number of lifting restrictions is 509 million shares, accounting for 28.79% of the total share capital,
share type: the lifting of restrictions on sale of the original shareholders of the first issue will lead to many people selling and cashing out, which will inevitably lead to a sharp drop in short-term stock price
you can buy it after the stock price falls and stabilizes
at present, the share price of Jiangyin bank is at a low level, and there will be a chance to rebound after another fall
the number of lifting restrictions is 509 million shares, accounting for 28.79% of the total share capital,
share type: the lifting of restrictions on sale of the original shareholders of the first issue will lead to many people selling and cashing out, which will inevitably lead to a sharp drop in short-term stock price
you can buy it after the stock price falls and stabilizes
at present, the share price of Jiangyin bank is at a low level, and there will be a chance to rebound after another fall
Hot content