According to the current application scheme, the total share capital of Wenzhou Civil and Commercial Bank is 2 billion yuan, and all shareholders are private enterprises developed in Wenzhou. Among them, Zheng Taihe and Hua Feng, as the main sponsors, applied to the CBRC for 29% and 20% shares respectively, totaling 49%. In the future, Wenzhou Civil and Commercial Bank will mainly provide inclusive finance services for small and micro enterprises, individual industrial and commercial households and community residents in Wenzhou, and will provide efficient and differentiated financial services for the development of the real economy. This development strategy and market positioning were put forward voluntarily after comprehensive consideration of Wenzhou's economic and financial development reality, market demand and future development space, shareholders' characteristics and advantages.
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The capital of private banks mainly comes from the people, and the pursuit of profit maximization is stronger. If there is no sound supervision mechanism for effective supervision, private banks will often close down because of risk problems. The very important motivation for private enterprises to run banks is to build a capital platform for enterprises and facilitate their financing. Once the affiliated enterprises have problems and the loans cannot be repaid, private banks will face great risks. Private bank deposits, like other traditional banks, are protected by deposit insurance regulations and supervised by CBRC, so private bank deposits are relatively safe.
Although private banks may not be as good as traditional state-owned banks and commercial banks in terms of storage capacity and risk control, private banks are also formal licensed financial institutions with the qualification to absorb public deposits. But the general investment direction of private banks is small and micro enterprises. Although they have relatively large profits, they also have certain risks. The main purpose of establishing private banks is to break the monopoly of state-owned commercial banks in China and realize the diversification of financial institutions. Compared with state-owned banks, private banks have two very important characteristics: autonomy, and the management rights of private banks, including personnel management, are not subject to interference and control by any government department and are completely decided by banks; Privatization, that is, the property right structure of private banks is mainly composed of non-public economy, so as to prevent government intervention to the maximum extent.
Private bank deposits, like other traditional banks, are protected by deposit insurance regulations and supervised by CBRC, so private bank deposits are relatively safe. Although private banks may not be as good as traditional state-owned banks and commercial banks in terms of storage capacity and risk control, private banks are also formal licensed financial institutions with the qualification to absorb public deposits. But the general investment direction of private banks is small and micro enterprises. Although they have relatively large profits, they also have certain risks. Therefore, when choosing to invest your own money in private banks, you still need to understand it comprehensively and carefully.