Nanjing bank is punished one after another why do -727379968 banks pester a body when the accused by

In recent years, dimensions of Nanjing bank assets is fast and outspread, total last year assets breaks through -727379968 yuan, banking of successful ascend body " -727379968 clubs " .

However, while high speed develops, nanjing bank is cruel also showed a series of problem -- complement not only the pressure of capital is increasingly outstanding, management means also is faced with a structure to optimize the development proposition with transition.

Since this year, because Nanjing bank violates compasses problem to be punished one after another by superintendency orgnaization. The near future, be stalked or branch to poor by Jiangsu again smooth medicine Inc. tells a court, ask its compensate for Ke Fei smooth company losing reachs relevant litigation expenses 30 million yuan, turn Nanjing bank again to where the wind and the waves are highest.

"-727379968 banks " does halo add held Nanjing bank after all how? Why to go so that do not arrange so 2017? Does the level accuse how to rise inside? The reporter raises pertinent question Nanjing bank, but nobody receive the telephone call that the bank announces listen, communal mailbox actually go back mail.

Capital bear pressure

Before Nanjing bank holds water at 20 years on Feburary 8, 1996, became the throughout the country in July 2007 the 1st lands the city commercial firm that hands in place. In recent years, this development is rapid. Its annals shows, up to 2016 the end of the year, dimensions of this total assets achieves 1.06 trillion yuan, grow 32.16% compared to the same period; Realize business income twenty-six billion six hundred and twenty-one million yuan, grow 16.6% compared to the same period; Implementation net profit 8.346 billion yuan, grow 18.13% compared to the same period.

Although expression of integral outstanding achievement grabbed an eye 2016, but Nanjing bank capital bear pressure bigger also. Ever should express all right, "Break through -727379968 yuan as company assets dimensions, branch site sinks ceaselessly, more economy of substance of press close to, each business grows dovishly, more quickly, complement like capital of sex of the source outside taking no account of, in the near future, the company will face greater capital complement pressure. The company will face greater capital complement pressure..

This year the bottom held in May 2016 on year shareholder plenary meeting, nanjing bank is discussed passed plan to issue what do not exceed bond of 30 billion yuan of finance is second reading 3 years with future capital management plans second reading, these two second reading as current as this capital is led amply bear pressure about.

One quarterly reports shows this year, pressure of Nanjing bank capital increases: One class capital leads core amply for 8.14% , annulus comparing drops 0.07 percent; One class capital is led amply 9.63% , annulus comparing drops 0.14 percent; Capital is led amply 13.38% , annulus comparing drops 0.33 percent. Among them, before two capital lead data amply, all under commercial bank of end whole nation is average first quarter level.

Be in this year the beginning of the year, nanjing bank returns Ceng Yinhong view is cautious evaluate a system (MPA) assessment does not amount to mark and be punished by the Central Bank, capital pressure sees one spot. As superintendency branch severe with each passing day to the commercial bank capital bind and finance go the propulsion of lever, banking whole is faced with bigger sth used to one's own advantage " enrich the blood " demand.

Do not exceed bond of 30 billion yuan of finance to complement to planning to issue the act of capital can bring what materiality action, nanjing bank thinks, this action can optimize this further long-term capital fund is indebted in travel match a structure, in increasing stability long-term indebted origin, support is added newly in of long-term capital business begin.

Earnestly needs transition

Besides the pressure of additional capital, be issued in traditional profit pattern by challenge and the new condition with superintendency severe hasten, the structure that Nanjing bank also is facing management kind optimizes the development proposition with transition.

The fast dilate of dimensions of Nanjing bank assets, originate greatly the addition of asset of a person of same business. Annals data showed 2016, extent of its asset change surpasses the case of 30% above project, much and business of a person of same business are concerned, deposit money of a person of same business to grow 241.83% for instance, tear open contributive gold to grow 119.26% to wait.

However, the conduct financial transactions outside beginning to will be expressed as MPA brings into the limits of broad sense credit, business plan waits to raise capital outside a person of same business, watch strict with each passing day, the sword that plus near future silver inspect can publish thick and fast points to appoint outside the superintendency file that investment, a person of same business covers the industry phenomenon such as benefit, both formed assessment and superintendency resultant force, force type of support tradition extensive develops the commercial bank of mode to make business innovation adjust.

Recently two years, much home appears on the market the bank expresses in annals, will to " small capital fund " direction undertakes business is adjusted, accelerate transition. In capital enough rate is faced with the circumstance of pressure to fall, the bank is faced with choose of two general election: Or make addition from the angle that raises capital, additional capital is led amply; Or the angle that expands scope from control does subtraction, reduce those who expand pair of capital to use up.

Nanjing bank also is agreed with " small capital fund " development trend. Its express in annals, "Small capital fund " pattern chooses those who become high profit bank generally.

Below the setting that in contented capital enough rate superintends, after on station of Nanjing bank assets -727379968 platform, leave the mode of extensive type development that relies on dimensions of a person of same business already was become inevitable, prevent the setting that superintends a benefit to fall especially, go " small capital fund " changing development pattern subtly is his probably ensure in future more intense bank competes the important option that position holds in pattern.

Not do one's best accuses inside

Enter after 2017, nanjing bank encountered a lot of not suitable, extensive type develops brought issue to be shown ceaselessly.

On Feburary 21, branch of Nanjing bank Suzhou because " blame of credit capital fund is real move, turn in order to borrow put empty to add bail to deposit money " , be met by Chinese silver-colored inspect Suzhou superintendency substation fines 550 thousand yuan.

On March 13, branch of Nanjing bank Nantong because " retrace foreword conduction bill turns discount business, violate careful management regulation badly " , be met by Chinese silver-colored inspect Nantong superintendency substation fines 250 thousand yuan.

On June 22, nanjing bank because " independent director holds a post time superintends a regulation more than " , be met by Chinese silver-colored inspect Jiangsu superintendency bureau fines 250 thousand yuan.

On July 14, new 3 board hang out one's shingle company Jiangsu Ke Fei makes the same score medical Inc. to release litigant announcement to say, former Nanjing bank issues odd spit of assistant president of subbranch of a bank of area of garden of new and high industry to be a bilk in order to buy fiducial product in vain capital of this company a huge sum.

As we have learned, in September 2011, chan Xiaoyu is a bilk Ke Fei to make the same score 30 million yuan with buying fiducial product, feipingxi stalking or branch hopes Nanjing bank undertakes compensatory. In May 2015, nanjing quadrangle makes first instance adjudicate, sheet is such-and-such commit crime of fraud, sentence life imprisonment, privative politics right is lifelong, be in confiscate an individual total worth. Instruct Ke Fei of odd such-and-such pay compensation for what one has unlawfully taken to average a loss. Chan Xiaoyu refuses to obey, put forward to appeal. Ke Fei makes the same score announcement to say, at present 2 careful adjudicate not make known to lower levels.

Be worth what carry is, afore-mentioned cheating case had been Nanjing bank expose to the sun the 2nd case when go out inside 3 months. April, media coverage says, manager of credit of subbranch of a bank of highway of Nanjing bank software, will dealt with change the name of owner in a register to was not finished however those who trade is secondhand do sth without authorization of card of room property right is handed over, make the person that buy a house takes advantage, give tripartite quickly house property pledge, cause house-owner " house money two sky " . Fall victim house-owner expresses, nanjing bank was acted in this fraud " extremely the part of dishonour " . Be aimed at afore-mentioned cheating case, the reporter also cannot learn the view of Nanjing bank.

Inside course of study the personage looks, nanjing bank eats repeatedly first half of the year this year punish sheet, and drag in is cheated case, the interior in giving this to go in rapid development process is exposed to manage what command a respect with the risk to be short of on certain level break. Built-in control system is weakness of diseased, consciousness, right administrative layer supervises sanction to wait for an element not quite, let a few break the law violate compasses incident to take advantage.

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