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Since this year, China's small and medium-sized banks have been suffering from frequent risks. Earlier this week, the news that Henan Yichuan agricultural commercial bank was run on again made the market jittery. Although the latest development is that a netizen was detained for fabricating false information such as the bankruptcy of an agricultural commercial bank, and the regulators stressed that the bank operated normally, the risk of China's regional banks is still under the spotlight again.
Under the background of increasing downward pressure on China's economic growth, the brutal growth path of such banks in the past few years has disappeared. However, its widely criticized corporate governance chaos and weak risk control level cannot be substantially improved in a short period of time, and the high non-performing rate can not be quickly reversed. However, at present, the sharp sword of strict financial supervision is in the forefront, whether it can survive without arms and get out of the cold winter is still uncertain.
"This bank is more radical. As a county-level agricultural commercial bank, the bill business ranks first in the country, and it's clamoring to be listed in the past few years." An organization person who knows about Yichuan agricultural commercial bank said.
Another senior executive of a large state-owned branch in Henan Province said that such agricultural commercial banks are generally influential in the region and absorb a lot of deposits, but the risk control is very weak and the management is chaotic.
"Local enterprises are willing to put their funds in rural commercial banks, because their loan business process is simple and it is convenient to borrow when they are in a hurry." The person also pointed out that in terms of management, some credit officers have become money brokers, colluding with relevant parties to "reverse loan" when they know that the enterprise is unable to repay.
At the same time, these banks have made efforts to make personal micro loans in the past few years. No matter whether the borrower has the ability to repay, as long as they find two or three guarantors, they can borrow 180000 yuan. The interest rate is also relatively high, so the profit situation in the past few years is good. But in recent years, due to the economic downturn, non-performing loans began to break out in large areas.
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