Tiantian Finance News. Recently, Zhang Changzong, the former deputy governor of Zhejiang Business Bank, who had lost contact for three years, has the latest news. According to several media quoted several channels, the Zhang Changgong case has been in 10After the investigation was completed in the late month, transferred to the judicial organs for processing.
Zhang Changzong once held an important job at a number of stock banks, and is a well -known "Capital Madman".Because of its "rich experience in the past and rich capital market experience; familiar with the local financial situation of Zhejiang", it has become a talent dug by Zhejiang Commercial Bank to the market.Management and financial market business was the vice president of the bank.
2015-2017 is the "high light moment" of the performance growth rate of Zhejiang Commercial Bank, especially in 2016 and 2017, the trend increased sharply.In October 2018, Zhang Changzong resigned from the vice president of Zhejiang Business Bank.In October 2019, Guangdong Huaxing Bank announced that he was the secretary of the party committee. Since then, Zhang Changzong has been acting in a low key until September 2021. He resigned from Huaxing Bank in September 2021.That is, since then, some media reported that Zhang Chang Gong was taken away for investigation.
As the former "operator" of the Zhejiang Commercial Banks core profit department, the latest progress of the Zhang Changgong case allowed Zhejiang Commercial Bank to enter the public vision again.It is reported that he was arrested for the "life -saving" of well -known people in the financial circle due to the huge amount of involved the case. Among them, there was his former boss, the former chairman of Zhejiang Business Bank, Shen Renkang.
High -level turbulence
The predecessorNanyang Commercial Bank, Bank of Communications and Zhejiang International Trust Investment Co., Ltd. jointly funded in March 1993 in Ningbo.Due to the nature of foreign joint ventures, it can only operate offshore business, and the size of assets is difficult to expand, and its role in the provinces economy is limited.On June 30, 2004, the former Banking Regulatory Commission approved the opening of Zhejiang Commercial Bank, marking the birth of a national joint -stock commercial bank with private capital as the main body and the head office in Zhejiang.
On August 18, 2004, Zhejiang Commercial Bank officially announced its opening to fully handle various businesses.
In 2014, Shen Renkang served as the secretary of the party committee and chairman of the Zhejiang Business Bank; in January 2015, Zhang Changzong joined the bank vice president of the bankEssenceThat is, in this year, Zhejiang Commercial Bank carried out an important organizational reform reform to split the Financial Market Department into the capital market department, the financial industry department, the financial market department, and the asset management department."Gold" is the most important profit department of Zhejiang Commercial Bank.As Shen Renkangs ability, Zhang Changgong was responsible for the heavy responsibility, and the heads of risk control of these four departments were responsible for him.
Zhejiang Commercial Bank of Zhejiang Business Bank, which had not had a high sense of presence, exceeded trillion yuan in 2015, with a growth rate of nearly 54%.In the following years, Zhejiang Commercial Bank completed the listing of A+H shares.In 2020, Zhejiang Commercial Bank entered the "2 trillion" club.
During the period when Zhang Changzong was the vice president, the "Bao Wans dispute" and "LeTV explosion" and other incidents can see the active figure of Zhejiang merchant and silver.The market is most concerned about the delivery of funds for Baoneng in 2015.Previously, according to the "Caixin" report, Zhejiang Commercial Banks wealth management funds were given 13 billion yuan to Baoneng through Zhejiang Banks capital channel blood transfusion, becoming the most important "bullet" of Bao Neng Vanke in the A -share market.
After that, Zhejiang Commercial Bank has been on the cusp.Behind the rapid expansion, there was also the root cause of the disaster: In addition to Zhang Changgongs departure, on January 11, 2022, Shen Renkang, who was one year old, suddenly stepped down as chairman.In February 2023, Shen Renkang was investigated.
In addition to Shen and Zhang, many senior executives in the bank have been investigated in recent years.
In 2019, Gu Qingliang, the former party secretary and president of the Shanghai Business Bank of Zhejiang Commercial Bank of China, was equivalent to more than 12.42 million yuan because of accumulated receiving money.The prison is sentenced to 14 years.The details of other peoples "plastic bags and tie boxes" bribes of bribes are accepted frankly.
In 2020, Zou Jianxu, deputy general manager of the capital market department of Zhejiang Commercial Bank, was investigated by serious disciplinary violations.
On August 18 this year, Zhejiang Commercial Bank issued an announcement saying that the current president Zhang Rongsen resigned for personal reasons, which was just nine days since his "official announcement" just passed.On the impact of the management of management, Zhejiang Commercial Bank responded at the time, "The changes in individual executives will not affect the operation of the Bank.Change".
According to a report on August 17, "Caixin" shows that Zhang Rongsen and some important branch cadres were taken away, and the specific reasons have not yet been clear.The details of the report show that Li Yang, the president of Hefei Branch of Zhejiang Business Bank, was taken away in his tenure. He started to follow Zhang Rongsen since he graduated from college and has a close relationship.
Since 2021, Zhejiang Commercial Bank has also experienced a large high -level leaving turbulence.
In June 2021, Xu Renyan, president of Zhejiang Business Bank, Xu Manxuan, deputy president Xu Manxuan and vice president and chief risk officer Liu Guishan all resigned; September, supervisor Wang Feng resigned; 2022In the year, Wu Jianwei resigned; in April 2023, Liu Long resigned as the vice president, secretary of the board of directors, and secretary of the company; in December, Jiang Rong resigned as chief auditors, dismissed Mr. Chen Haiqiang and chief risk officer position, and Zheng Jianming resignedThe deputy supervisor and employee supervisor position.
Bad loans are soaring, penalties are constantly
As the only national joint -stock commercial bank in Zhejiang Province, Zhejiang businessmenIn recent years, banks have frequently appeared on the list of creditors of Thunder Enterprises. From LeTV Holdings, Anxin Trust to Kangmei Pharmaceutical, Zhejiang Commercial Bank has all.
Under the radical exhibition industry, Zhejiang Commercial Banks performance and asset quality are under pressure.
From 2021 to 2023, Zhejiang Commercial Bank achieved operating income of 54.471 billion yuan, 61.085 billion yuan, and 63.704 billion yuan, with a year-on-year increase of 14.19%, 12.14%, and 4.29%, respectively.; The net profit attributable to shareholders of the parent company was 12.648 billion yuan, 13.618 billion yuan, and 15.048 billion yuan, respectively, with a year -on -year increase of 2.75%, 7.67%, and 10.5%, respectively.
As of the end of the third quarter of this year, Zhejiang Commercial Banks operating income was 52.491 billion yuan, an increase of 5.64%year -on -year; the net profit attributable to mothers was 1.2905 billion yuan, a year -on -year increase of 1.19%, and the growth rate of net profit growth rate.The new low in the past three years is beyond market expectations.Looking at the third quarter, Zhejiang Commercial Bank achieved operating income of 17.212 billion yuan, an increase of 4.55%year -on -year; the net profit attributable to the mother was 4.906 billion yuan, a year -on -year decrease of 2.08%, and it was in a situation of "increasing increasing increasing income".
The interest difference between the interest difference, the net income of Zhejiang Commercial Banks interest in interest decreased, the growth of the banks revenue mainly relied on the support of non-interest net income to support the supportEssence
In the first three quarters, the net interest revenue of Zhejiang Commercial Banks interest rate was 35.587 billion yuan, a year -on -year decrease of 362 million yuan, a decrease of 1.01%; non -interest net income of 16.904 billion yuan, an increase of 3.163 billion yuan, a growth of growth, a growth of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, a growth of growth, a growth of growth, an increase of growth, an increase of growth, a growth of growth, a growth of growth, an increase of growth, an increase of growth, an increase of growth, a growth of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth, an increase of growth.23.02%.Non -interest net income accounts for 32.20%of operating income, an increase of 4.55 percentage points year -on -year.
Asset quality, as of the end of the reporting period, the balance of non -performing loans from Zhejiang Commercial Bank was 25.963 billion yuan, an increase of 1.367 billion yuan from the end of the previous year;percentage point.Although the non -performing loan ratio has declined, the balance of non -performing loans has increased, indicating that the quality of assets still face certain pressure.
Although the banks third quarter report shows that the banks asset quality is trending, the markets more concerned overdue loan situation has not been disclosed in the third quarter report.According to the semi -annual report, as of the end of the first half of the year, the balance of overdue loans was 39.113 billion yuan, an increase of 11.327 billion yuan from the end of the previous year, an increase of 40.77%.Among them, the balance of loan from one to 90 days overdue was 16.490 billion yuan, an increase of 8.289 billion yuan from the end of the previous year, an increase of 99.37%.
In the third quarterly report, Zhejiang Commercial Bank did not disclose the clear data of non -performing assets, but from the analysis of data in 2023, real estate companies in the top ten loan customers in Zhejiang Bank of Zhejiang occupied half of the number of real estate companies accounted for half.Among them, the first, third, fifth, sixth, and tenth are real estate customers, and the proportion of the amount is the largest.As of the end of last year, the non -performing loan rate of the real estate industry in Zhejiang Business Bank was 2.48%, an increase of 0.82 percentage points from the end of 2022.As of the end of the first half of 2024, the banks real estate industrys non -performing loan ratio had fallen to 1.26%.Zhejiang Commercial Bank stated that it adheres to intelligent risk control, highlights the precise identification of credit risk and the resolution of prevalent prevention, strictly controls new bad, and comprehensively optimizes the structure of credit assets.
Under a series of chain reactions, Zhejiang Business Bank frequently eats tickets.
In 2020, the Shanghai Branch of Zhejiang Commercial Bank was issued a 101 million yuan ticket by the former Banking Insurance Regulatory Commission for "31 crimes".Improve deposits and loans with improper means.In addition, 13 responsible persons were punished, including Gu Qingliang.
In the ticket received this year, the cause of the punishment is mostly related to the loan violation.
In November, the Ningbo Branch of Zhejiang Commerce Bank was fined 1.5 million yuan by the Ningbo Branch of the Peoples Bank of China, involving "four crimes" such as "violation of credit management";It was fined 950,000 yuan for "non -prudential issuance of mobile funds loans".
In September, Jining Branch was fined 300,000 yuan for "inaccurate corporate strokes and seriously violated the rules of prudential business";The misappropriation of "was fined 250,000 yuan; Jining Branch was fined 300,000 yuan for" inaccurate corporate strokes and seriously violated the rules of prudential business ".
In August, the Hefei branch was"The loan business exists in the investigation of loan projects inadequate and pre -loan investigation. "It was fined 350,000 yuan.
The third quarter performance report was released on the same day at Zhejiang Commercial Bank, and Chen Sheng, the head of the board of directors, was the general manager of the head office of the head office.Chen Sheng has worked at Huaxia Bank Hangzhou Branch, and later served as a full -time approval person at the Credit Calculating Department and Credit Risk Management Department.After joining Zhejiang Commercial Bank, he served as the deputy general manager of the risk management department and the head of the compliance management center (legal affairs center);Wait.
Some opinion pointed out that Chen Sheng is a ruthless role and is famous for its risk control during Huaxia Bank.This time, it may be good to rectify the internal control compliance of Zhejiang Commercial Bank.
(full text reference information: Caixin, Beijing Commercial Daily, Sina Finance, Public Information and Company Financial Report, etc.)
