Pingxiang Anyuan Fumin Village Bank initiated by Lucheng Rural Cooperative Bank held its opening ceremony in the Memorial Square of Autumn Harvest Uprising in Anyuan District, Pingxiang City, Jiangxi Province. This is the first village bank initiated by a municipal financial institution in the central province and the first village bank in Pingxiang City, Jiangxi Province. Lucheng Rural Cooperative Bank initiated the establishment of Anyuan Fumin Village Bank with a registered capital of 654.38+0 billion yuan. Lucheng Rural Cooperative Bank invested 565.438+0% as a holding company, and jointly initiated the establishment with five local non-financial institutions, corporate bodies and 654.38+00 natural persons in Anyuan.
At present, the moral hazard of private banks in China is mainly manifested in three aspects:
1. Market Access: In some economically developed areas of China, there is a strong demand from private enterprises to set up private banks. Due to the information asymmetry between the regulatory authorities and private enterprises, it is difficult for the regulatory authorities to grasp the real motivation of private enterprises to set up banks, which is prone to deviation in the audit and may even lead to chaos in the regional financial order.
2. Managers: Private banks are mainly joint-stock commercial banks, with standardized corporate governance structure and separation of bank owners and operators. Because bank managers have the right to operate and are in an advantageous position in information, they are likely to pursue high-risk and high-yield investments for their own interests. Once the investment fails, most of the losses will be borne by shareholders. When the investment failure exceeds the scale and ability of shareholders, the risk will be passed on to depositors, causing very bad social impact.
3. Shareholders: Through analysis, we believe that the motivation of private enterprises to run banks can be mainly attributed to three aspects: financing convenience, listing financing and investment management. In the case of financing difficulties of small and medium-sized enterprises, private enterprises can alleviate the financing difficulties of their affiliated enterprises to some extent.
However, if the shareholders' loans are excessive and abnormal, it will lead to a crisis. Studies have shown that the biggest problem of private banks is shareholder loans, and those closed private banks have a common feature, that is, shareholders tried to circle money with banks from the beginning.