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Recently, Xi'an banking and Insurance Regulatory Bureau issued 23 tickets on its official website, of which 11 tickets were issued to Xi'an Branch of qishang bank. The bank was fined a total of 1.21 million yuan for three cases, which was also the second time that qishang bank was' punished three times' in the year.
He was punished three times in a row
According to the official website of the cbcirc, among the reasons for the punishment of qishang bank, the most serious cause of action was' issuing loans to purchase the bank's non-performing loans and bank advances, and issuing loans to undertake the bank's risk assets', which was fined 680000 yuan, and six responsible persons were given a warning.
In addition, qishang bank was fined 280000 yuan for serious lack of bill business control and violation of prudent operation rules. Two relevant responsible persons were warned and fined 250000 yuan for failing to pay mortgage evaluation fees and transfer operating costs in accordance with the regulations. Qishang bank was fined a total of 1.21 million yuan, and 8 relevant responsible persons were warned.
The official website of qishang bank shows that the bank's predecessor is Zibo commercial bank. It is the fourth batch of local joint-stock commercial banks established by urban credit cooperatives in China. It was established on August 28, 1997 and headquartered in Zibo City, Shandong Province. On February 13, 2009, upon approval, Zibo commercial bank was renamed 'qishang bank'.
According to the disclosure of its 2018 annual report, qishang bank has a registered capital of RMB 3.534 billion. It governs 8 branches including Xi'an and Binzhou. It has initiated the establishment of a village bank. Xi'an branch is its only branch outside Shandong Province and has 9 outlets, including 1 branch business department, 7 comprehensive branches and 1 small and micro branch.
eventful times
Sina Finance and economics found that this is the second time that qishang bank has encountered 'three consecutive penalties' this year.
On April 9 this year, the official website of China Banking and Insurance Regulatory Commission disclosed that qishang bank was fined a total of 900000 yuan by Shandong banking and Insurance Regulatory Bureau for a number of business violations. Among them, qishang bank was fined 200000 yuan for "there was a deposit loan linkage in handling the discount business of commercial acceptance bills", its Huantai sub branch was fined 200000 yuan for "failing to monitor the use of loan funds in accordance with regulatory requirements", and its Zhangdian sub branch was fined 500000 yuan for "failing to review the authenticity of trade background in accordance with regulations".
In addition to being punished by the regulatory authorities, qishang bank also has executives sacked. According to the announcement on the official website of Zibo Municipal Commission of supervision on April 12 this year, Zhang Lei, President of Zhangbei branch of qishang bank, was suspected of serious violation of discipline and law and accepted the disciplinary review and supervision investigation of Zhoucun District Commission for Discipline Inspection and supervision. According to his resume, Zhang Lei was born in March 1979 in Zibo, Shandong Province, with a university degree. He started working in July 2002, joined the Communist Party of China in December 2012, and served as president of Zhangbei branch of qishang bank in August 2016.
To make matters worse, qishang bank was also involved in a number of loan fraud cases and was cheated of tens of millions of yuan in loans. On May 21, according to a judgment disclosed on the judgment document website, Zouping branch of qishang bank was cheated of loans of 43.3 million yuan from November 2016 to March 2017. It is worth noting that Gong Yixing, the fraudster, cheated eight loans of 143 million yuan from ICBC, Dongying bank and Bank of China from September 2015 to may 2016, and three loans from qishang bank six months after he finally cheated Bank of China.
In addition, on May 27, Binzhou Public Security Bureau disclosed through its official website that since 2016, Duan, the actual controller of a furniture Co., Ltd., has defrauded Zouping rural commercial bank and Zouping branch of qishang Bank of 76.2437 million yuan of loans, including 71.301 million yuan of principal and 4.9426 million yuan of interest, by using forged financial statements, fictitious trade background and changing the purpose of loans.
Prominent business pressure
Behind the troubled times, the operating pressure faced by qishang bank is becoming increasingly prominent.
According to the 2019 semi annual report disclosed on its official website, by the end of the reporting period, the total assets of qishang bank group were 112.141 billion yuan, a year-on-year decrease of 1.055 billion yuan, the total loans were 66.872 billion yuan, a year-on-year decrease of 135 million yuan, and the total deposits were 89.883 billion yuan, a year-on-year decrease of 621 million yuan. In the first half of 2019, the group realized an operating revenue of 1.336 billion yuan, an increase of 76 million yuan year-on-year; The group realized a net profit of 331 million yuan, the same as last year.
However, a close examination of sina finance and economics found that the report was full of errors.
In the report, it is described that 'the total assets of the bank according to the group standard are 112.141 billion yuan, a year-on-year decrease of 1.055 billion yuan, or 70.01%. If the data is true, the decrease is less than 1%. However, the report indicates that it is as high as 70.01%. The same error also occurs in the percentage of other data.
The official website of qishang bank did not disclose the 2018 semi annual report, but on the China currency online, qishang bank disclosed the financial data of the parent company, that is, qishang bank at the same level. The relevant operating data at the middle and end of 2018 and the middle of 2019 are as follows (unit: RMB 100 million):
It can be seen that in addition to 'deposit absorption', other data show a slow growth trend.
In addition, the 2018 annual report shows that 'as of the end of the reporting period, the total assets of the bank's group were 111.444 billion yuan, an increase of 4.317 billion yuan over the beginning of the year'. It can be seen that the total assets of qishang bank group increased from 107.127 billion yuan to 111.444 billion yuan in 2018, while according to the semi annual report data of 2019, the total assets of qishang Bank Group in mid-2018 were 113.196 billion yuan, exceeding the value at the beginning and end of last year.
It is worth noting that for most of the operating indicators with declining data, qishang bank's 2019 semi annual report concluded that 'the operation and development are more stable'.
Leaving aside the error prone 2019 semi annual report, qishang bank still faces great operating pressure from the 2018 annual report.
According to the 2018 annual report, as of the end of the reporting period, the pre tax profit of the group was 691 million yuan, a decrease of 03 million yuan or 0.39% over the same period; The net profit was 552 million yuan, an increase of 37 million yuan or 7.17% over the same period; During the reporting period, the operating revenue was 2.567 billion yuan, a decrease of 4.72% over the same period. Qishang bank achieved both operating income and pre tax profit.
In addition, qishang bank is facing great non-performing pressure. At the end of 2016, 2017 and 2018, the non-performing loan ratio of qishang bank was 1.89%, 2.41% and 2.35% respectively. Although the non-performing rate decreased slightly in 2018, it is still high. According to the statistics of the cbcirc, the overall non-performing rate of urban commercial bank in the fourth quarter of 2018 was 1.79%, which is obviously much higher than the average level.
In addition, qishang bank has become increasingly prominent. The loan ratio of the single largest customer and the loan ratio of the top ten customers have increased year by year from 2.54% and 23.31% in 2016 to 4.54% and 30.13% in 2018 respectively, which also increases the probability of risk.
Original title: qishang Bank received 11 fines a day and was punished for the second time in the year