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According to Yicai, recently, some netizens said on social platforms that Shengjing Bank, which had previously cooperated with Alipay, is currently unable to withdraw cash. Shengjing Bank responded that it had stopped selling deposit products through the Alipay platform.
In this regard, the first financial reporter called Shengjing Bank, and Shengjing Bank replied: “According to the requirements of the regulatory document No. 9, our bank has stopped selling deposit products through the Alipay platform, and only retains balance inquiry and purchase through the Alipay platform for existing customers. Detailed inquiry, advance withdrawal and other services; according to the rules of the Alipay platform, the operating hours of related services are 07:00-23:00 Beijing time every day.”
On January 15, 2021, the China Banking and Insurance Regulatory Commission and the People’s Bank of China issued the “Notice on Regulating Commercial Banks’ Personal Deposit Business through the Internet” (Yinbaojianbanfa [2021] No. 9, hereinafter referred to as the “Notice”), which clearly pointed out that commercial banks Banks are not allowed to conduct fixed deposits and fixed-life dual convenience deposits through non-self-operated online platforms, including but not limited to non-self-operated online platforms to provide services such as marketing promotion, product display, information transmission, purchase entry, and interest subsidies.
As a result, third-party platforms began to remove deposit products.
In 2021, Shenyang State-owned Assets will increase its stake in Shengjing Bank twice and become the largest shareholder of Shengjing Bank.
According to the official website information, Shengjing Bank is headquartered in Shenyang, Liaoning Province. Its predecessor was Shenyang Commercial Bank. It was renamed Shengjing Bank with the approval of China Banking Regulatory Commission in February 2007. On December 29, 2014, the bank was successfully listed on the main board of the Hong Kong Stock Exchange.
From the perspective of operation, in 2021, Shengjing Bank achieved revenue of 15.467 billion yuan, a year-on-year decrease of 4.9%; net profit of 431 million yuan, a year-on-year decrease of 65%. As of the end of 2021, the bank’s total assets were 1,006.126 billion yuan, a decrease of 3.1% from the end of the previous year.
In terms of asset quality, the provision coverage ratio was 130.87%, an increase of 16.82 percentage points from the end of the previous year. In terms of capital adequacy ratio, as of the end of last year, the bank’s core tier 1 capital adequacy ratio and tier 1 capital adequacy ratio were both 10.54%, and the capital adequacy ratio was 12.12%, meeting regulatory requirements.
It is worth noting that on September 29, 2021, Shenyang Shengjing Financial Holding Investment Group Co., Ltd. once acquired 19.93% of the shares of Shengjing Bank held by Evergrande Group (Nanchang) Co., Ltd. and became the largest shareholder of Shengjing Bank.
Source: First Financial
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