CHANG’AN BANK CO.,LTD(zhang an yin hang gu fen you xian gong si )

Changan bank

Chang'an Bank (full name Chang'an Bank Co., Ltd.), established in 2009 and headquartered in Xi'an City, Shaanxi Province, is approved by the China Banking Regulatory Commission. Five local legal person banking financial institutions, namely Baoji commercial bank, Xianyang commercial bank, Weinan City Credit Union, Hanzhong City Credit Union and Yulin City Credit Union, jointly set up and merged their banks He was co sponsored by the founders. After its establishment, the head office of Chang'an bank will be located in Xi'an with a registered capital of 3 billion yuan. The head office will be located in Xi'an City, Shaanxi Province. It has nine branches, including Baoji branch, Xianyang Branch, Weinan branch, Hanzhong Branch, Yulin Branch, Ankang Branch, Yan'an Branch, Shangluo branch and Tongchuan branch, with a total of 94 external business outlets. In addition, Gansu Tianshui branch is under preparation.

On December 3, 2019, Shaanxi Entrepreneurs Association released the top 100 Shaanxi enterprises in 2019, ranking 30th, with an operating revenue of 11.8 billion yuan in 2018. On March 9, 2020, the "top 100 list of China's banking industry in 2019" was released, and Chang'an bank ranked 76th.

development history

The head office of Chang'an bank is located in Xi'an with a registered capital of 3 billion yuan, which was officially opened on July 31, 2009. At the opening ceremony, Zhao Leji, Secretary of Shaanxi provincial Party committee, and Yuan Chunqing, governor of Shaanxi Province, unveiled the bank, and relevant departments issued financial licenses and business licenses for the bank.

The newly established Chang'an bank will break through the original restriction of a single city, gradually expand the development space, extend and build a financing channel leading to the whole province and even across provinces, and increase the credit investment in the local economy.

Changan bank will adhere to the business philosophy of "customer first, integrity-based, pursuit of excellence and common development", carry forward the corporate culture of "inheriting the style of the Han and Tang Dynasties, rebuilding the prosperous age of Chang'an, creating a first-class enterprise and building a modern bank", adhere to the market positioning of "based on Shaanxi, facing the whole country, serving urban and rural residents and serving small and medium-sized enterprises", and strive to build a capital sufficient and excellent governance It is a modern commercial bank with good quality, strict internal control, safe operation, high service quality and good benefit.

Shaanxi banking regulatory bureau and Shaanxi industrial and commercial bureau have issued financial license and business license to Chang'an bank respectively. The registered capital of Chang'an bank is 3 billion yuan, and the shareholders of the original five merger and reorganization institutions account for 19.06% of the total share capital. 11 enterprises, including Yanchang group, coal chemical industry group, non-ferrous metals group, Dongling group and qishang bank, as new promoters, account for 80.94% of the total share capital. After the restructuring, the non-performing loan ratio of Chang'an bank is zero, the capital adequacy ratio has reached 22%, the corporate governance is perfect, the professional management team has been recruited, and it will strive to achieve the listing goal in three years.

Nature of Business

Chang'an bank is a local legal person joint-stock commercial bank approved by China Banking Regulatory Commission, which integrates Baoji commercial bank, Xianyang commercial bank and Hanzhong, Yulin and Weinan city credit cooperatives. After the establishment of Chang'an bank, the legal person status of these five financial institutions will be cancelled and become branches of Chang'an bank.

The market orientation of Chang'an bank is "based on Shaanxi, facing the whole country, serving urban and rural residents, serving small and medium-sized enterprises". At the same time, a special "Financial Service Center for small and medium-sized enterprises" has been set up to solve the problem of small and medium-sized enterprises' loan difficulty. After opening, Changan bank will gradually set up branches in other prefecture level cities in Shaanxi Province. According to the plan, after the completion of the layout in the province, Changan bank will go out of Shaanxi, realize cross regional operation, increase capital and share.

The headquarters of Chang'an bank will be located in Xi'an, with 9 branches including Baoji branch, Xianyang Branch, Weinan branch, Hanzhong Branch, Yulin Branch, Ankang Branch, Yan'an Branch, Shangluo branch and Tongchuan bank, with a total of 94 external business outlets.

background information

When Zheshang Bank and Bank of Beijing began to "race horses to encircle the land" in Shaanxi, when will Chang'an bank, as the native bank of Shaanxi, break out of the shell, and then get out of Tongguan as soon as possible and go to the whole country? Chang'an bank, which has been preparing for more than five months, is in the final rush period of intense preparation and imminent establishment. What are the "shell breaking" difficulties of Chang'an bank, and how to make it stronger and bigger in the future? There are too many suspenses, which are worth solving by all those who are concerned about the development of Chang'an bank and even Shaanxi financial industry.

"The light rain on the Tianjie street is as crisp as crisp, and the color of grass is far away but not near." Han Yu, a poet of the Tang Dynasty, describes the spring scenery on the streets of Chang'an, which is now a true portrayal of Chang'an bank.

After more than five months of waiting, Chang'an bank, as a provincial legal person bank in our province, although its figure is a little vague, its footsteps are getting closer and closer.

Or it will be finished in the second quarter

Chang'an bank, a very grand name, has a strong memory of the Han and Tang Dynasties. In the Fukai hotel in the southeast corner of Xincheng square in Xi'an, the Preparatory Office of Changan bank is located here. People from Shaanxi provincial financial office, Xi'an Branch of the people's Bank of China, Shaanxi banking regulatory bureau and other relevant institutions have been busy here. Dai Shihong, deputy director of the provincial financial office, is the leader of the preparatory group. The substantive beginning is at the end of October 2008. According to the "grand unification" plan of several city commercial banks in the province, the preliminary integration plan is that Baoji City Commercial Bank, Xianyang City Commercial Bank and Hanzhong, Yulin and Weinan city credit cooperatives are jointly established, tentatively named "Shaanxi Chang'an commercial bank".

Since Zheshang Bank and Bank of Beijing quietly entered Xi'an, many old Shaanxi people have been murmuring that foreign commercial banks have opened up to our door. Why don't we have a bank of our own in Shaanxi?

However, the listing date of Chang'an bank is still unclear. A person in charge of the preparatory office said that because the establishment of the bank involves complex asset audit, capital injection and approval procedures, it is difficult to determine the specific listing time. People from Shaanxi Financial Office said that the approval work will be completed in the second quarter of 2009 or will be officially listed.

"Capital" tentative 3 billion

Two city commercial banks and three city credit cooperatives are all the "capital" of Changan bank at the beginning of its preparation. Compared with other well-developed joint-stock commercial banks, Changan bank gives people the feeling of "millet plus rifle".

It is said that the headquarters of Changan bank will be located in Xi'an, and the capital stock is tentatively set at 3 billion yuan. In this regard, a senior person in Shaanxi banking industry said that although there are more than 20 Banking financial institutions in our province, the strength of these financial institutions is very weak. In terms of the city commercial banks in Xi'an, Baoji, Xianyang and other places, the total assets scale is about 50 billion, of which the assets scale of Xi'an Commercial bank accounts for about 80%. As the latter is not included in this preparation, the initial strength of Changan bank may be limited.

To this end, the preparatory group of Changan bank has previously decided to raise share capital from domestic enterprise legal persons in the form of non-public offering. These enterprise legal persons, together with five financial institutions in our province, can become the promoters of Changan bank. It is said that some large state-owned enterprises in Shaanxi will definitely take a stake in Chang'an commercial bank, including Yanchang group and Shaanxi Guotou. The scale of their assets is not a problem. However, there is another news that Chang'an bank has not yet fully finalized its strategic investors.

Questions about coal boss's participation in shares

In fact, in terms of capital increase and share expansion, Zheshang Bank, which was established in 2004, may be able to enlighten Chang'an bank. Among the 15 shareholders of Zheshang Bank, with a total registered capital of about 1.5 billion yuan, 13 private enterprise shareholders hold 85.71% of the shares, occupying an absolute controlling position; the remaining two state-owned enterprise shareholders only account for 14.29%.

Although Chang'an bank is not necessarily as far away from "privatization" as Zheshang Bank, how to let the "coal boss" in Northern Shaanxi, private entrepreneurs in Guanzhong and other private funds to enter may be worth the consideration of Chang'an bank. In addition, the participation of private capital will certainly bring vitality to Chang'an bank, which may be of far-reaching significance in promoting the banking industry in Shaanxi with strong administrative color.

When private capital enters the financial field, the high return it obtains is absolutely worth the attention of "capitalists". Shi Yuzhu, a famous private entrepreneur, invested hundreds of millions of yuan. With the shareholding of the sixth largest shareholder of Huaxia Bank and the eighth largest shareholder of China Minsheng Bank, his market value soared to 4 billion yuan in 2006. The private listed company Youngor, which made a fortune in clothing, holds 179 million shares of Bank of Ningbo, with an investment cost of only 181.55 million yuan. In the big bear market of 2008, the closing price of Bank of Ningbo on December 31 of that year is still 6.8 yuan, and the market value of this part of shares is still more than 1.2 billion yuan, and the income is as high as 5.6 times.

Compared with other investments, the bank's business model is clear. As long as the amount of capital is large enough, the profit will be very high. "Even after ten years, the profit of this model will be very stable." Shi Yuzhu's interpretation may have explained the mystery of participating in banks.

Official name will go to Shaanxi

The word "Shaanxi Chang'an commercial bank" is still used in the preparatory notice issued by Shaanxi provincial government. A relevant person in charge of the Shaanxi provincial financial office said, "the newly established Chang'an bank will no longer retain the words" Shaanxi "and" commercial. "

In fact, most of the hot online discussions about Chang'an bank are asking for the cancellation of the word "Shaanxi" in front of it. A netizen who claims to be "Yipin river lake" thinks that not only the word "Shaanxi" in front of him is not important, but also the word "commerce" is not. It's called Chang'an bank. The word "Fujian" is removed from Industrial Bank

Chinese PinYin : Zhang An Yin Hang Gu Fen You Xian Gong Si