China Net Finance, July 5 (Reporter Yanshan Wang Jinrui) Recently, Jinshang Bank issued an announcement saying that the bank's board of directors has considered and approved the appointment of Zhang Yunfei as the bank's president, and his qualifications must be officially approved by the Shanxi Banking and Insurance Regulatory Bureau. effective.Since Tang Yiping, the former president of Jinshang Bank, resigned in December 2020, the bank’s president has been vacant for one and a half years.
It is worth noting that on May 31, 2022, Jinshang Bank was notified by the Shanxi Banking and Insurance Regulatory Bureau for two violations in handling consumer complaints.The notice issued by the Shanxi Banking and Insurance Regulatory Bureau Office shows that Jinshang Bank has not equipped special audio and video equipment in the complaint reception area to record and save the process of consumer complaint reception; Verification of the situation, reasons, and relief methods.In addition, according to incomplete statistics from China Net Finance reporters, branches of Jinshang Bank have been fined a total of 2.208 million yuan since 2022.
China.com.cn financial reporters called Jinshang Bank's 2021 annual report for several consecutive working days to interview related issues such as the investigation of the bank's two former chairmen and the regulatory notification of violations in handling consumer complaints, but no one answered.At the same time, the reporter sent interview questions to the email address disclosed in the 2021 annual report of Jinshang Bank, but the email was rejected by the other party's server. The reporter sent interview questions to the relevant staff of the Bank's Board of Directors Office, and no reply was received as of the time of publication.
New president after a year and a half of vacancy
On June 28, 2022, Jinshang Bank issued an announcement that the board of directors of the bank has reviewed and approved the appointment of Zhang Yunfei as the president of Jinshang Bank, and his qualifications will only come into effect after the official approval of the Shanxi Banking and Insurance Regulatory Bureau.In December 2020, Tang Yiping, the former president of Jinshang Bank, resigned, and the position of the bank’s president was vacant for one and a half years.
Before being promoted to president of Jinshang Bank, Zhang Yunfei served as vice president of the bank.According to public information, Zhang Yunfei, 51, has been appointed as the executive director, vice chairman and vice president of Jinshang Bank since August 30, 2021.Zhang Yunfei joined Jinshang Bank in September 2009 and worked in the Risk Management Department of Jinshang Bank from September 2009 to January 2014, and served as the general manager of the Risk Management Department of Jinshang Bank from May 2013 to January 2014. He also served as the Chief Risk Officer of Jinshang Bank from May 2011 to April 2021.Before joining Jinshang Bank, Zhang Yunfei worked in Industrial and Commercial Bank of China Taiyuan Branch and Shanxi Branch from September 1994 to August 2009.
In less than two years from January 2020 to July 2021, Jinshang Bank has successively replaced Yan Junsheng, Wang Junbiao and Hao Qiang as three chairmen.Specifically, on January 8, 2020, Yan Junsheng, the former chairman of Jinshang Bank, resigned due to job transfer, and then Wang Junbiao served as the chairman of the bank; on April 26, 2021, Wang Junbiao resigned from Jinshang Bank due to job changes. Commercial Bank executive director, chairman and other positions; in July 2021, Hao Qiang's qualifications for director and chairman of Jinshang Bank were approved by the regulatory authorities.
It is worth noting that Wang Junbiao and Shangguan Yongqing, who had served as the chairman of Jinshang Bank, were "sacked".On May 10, 2022, the Shanxi Provincial People's Procuratorate issued a document showing that a few days ago, the former deputy secretary of the Changzhi Municipal Party Committee and Mayor Wang Junbiao (at the department level) was suspected of taking bribes. , and the Yangquan City People's Procuratorate will file a public prosecution with the Yangquan City Intermediate People's Court in accordance with the law.The Yangquan City People's Procuratorate prosecuted and charged: Defendant Wang Junbiao took advantage of his position to seek benefits for others and illegally accepted other people's property.
Earlier, Shangguan Yongqing, who had served as chairman of Jinshang Bank, was investigated one year after he resigned as chairman of the bank.In July 2015, the website of the Shanxi Provincial Commission for Discipline Inspection and Supervision showed that, with the approval of the Provincial Party Committee, Shangguan Yongqing, Chairman and Secretary of the Party Committee of Shanxi Guoxin Investment Group Co., Ltd., was suspected of serious violations of discipline and law, and is currently under investigation; in June 2016, Shanxi Province The People's Procuratorate decided to arrest Shangguan Yongqing on suspicion of taking bribes; in March 2017, the People's Procuratorate of Yangquan City, Shanxi Province decided to arrest Shangguan Yongqing in Shanxi Province on suspicion of taking bribes, embezzlement, embezzlement and misappropriation of funds. The Intermediate People's Court of Yangquan City filed a public prosecution.
Consumer complaint handling violations are notified by supervision
In addition to the investigation of the two former chairmen, Jinshang Bank was notified by the Shanxi Banking and Insurance Regulatory Bureau for two violations in handling consumer complaints.In addition, in the fourth quarter of 2021, among the consumer complaints in the banking industry in Shanxi Province, two complaints from Shanxi Commercial Bank ranked first among city commercial banks.
On May 31, 2022, the Office of the Shanxi Banking and Insurance Regulatory Bureau issued a notice on the violation of the "Administrative Measures for the Handling of Consumer Complaints in the Banking and Insurance Industry" by some banking and insurance institutions. Among them, Jinshang Bank has two violations in handling consumer complaints: no complaints The reception area is equipped with special audio and video equipment to record and save the reception and handling process of consumer complaints; there are some complaints handling notices that do not meet the regulations, and to varying degrees, there are problems such as failure to inform and verify the situation, reasons, and relief methods.
In addition, on March 31, 2022, the Office of the Shanxi Banking and Insurance Regulatory Bureau reported the consumer complaints in the banking industry in Shanxi Province in the fourth quarter of 2021. In terms of the average number of complaints per million individual customers of city commercial banks, Jinshang Bank reported 17.93 cases/hundred cases. 10,000 personal customers ranked first; in terms of credit card business complaints of city commercial banks, Jinshang Bank ranked first with 39 complaints, an increase of 11.43% month-on-month, accounting for 75% of its total complaints.
According to incomplete statistics from China Net Finance reporters, branches of Jinshang Bank have been fined a total of 2.208 million yuan since 2022.Specifically, according to the official website of the China Banking and Insurance Regulatory Commission on June 24, the Liulin Sub-branch of Jinshang Bank was ordered to make corrections and fined 300,000 yuan by the Lvliang Banking and Insurance Regulatory Branch due to loan investigation and management incompetence; according to the official website of the China Banking and Insurance Regulatory Commission on June 23 It was disclosed that Jinshang Bank’s Fenyang Sub-branch was ordered to make corrections and fined 300,000 yuan by the Lvliang Banking and Insurance Regulatory Bureau due to its lack of due diligence in loan investigation and management. Ordered to make corrections and fined 200,000 yuan.According to the official website of the China Banking and Insurance Regulatory Commission on May 17, the Luliang branch of Jinshang Bank was ordered to make corrections and fined 300,000 yuan for serving as a senior executive and performing the duties of a senior executive without approval.
According to the central bank's website on June 17, Jinshang Bank's Linfen branch was warned and fined 696,000 yuan by the central bank's Taiyuan branch for omission of complaint data; misreporting of complaint data; The central bank's official website disclosed on March 29 that Jinzhong Branch of Jinshang Bank was warned and fined 412,000 yuan for failing to strictly implement the approval procedures for information use authorization.
Jinshang Bank's 2021 annual report shows that in 2021, Jinshang Bank will achieve operating income of 5.391 billion yuan, a year-on-year increase of 10.7%; net profit of 1.679 billion yuan, a year-on-year increase of 6.9%.
In terms of asset quality, Jinshang Bank's non-performing loan balance and real estate non-performing loan ratio increased, while the provision coverage ratio decreased.As of the end of 2021, the balance of non-performing loans of Jinshang Bank was 2.859 billion yuan, an increase of 350 million yuan from the end of the previous year; the non-performing loan ratio was 1.84%, the same as the end of the previous year; the non-performing loan ratio of the real estate industry increased from 0.28% at the end of the previous year to 10.29%.The provision coverage ratio was 184.77%, down 9.29 percentage points from the end of the previous year.
According to public information, the head office of Jinshang Bank is located in Taiyuan, Shanxi. On December 30, 2008, it was renamed by Taiyuan Commercial Bank with the approval of China Banking Regulatory Commission. It was officially established on February 28, 2009, and was established in Hong Kong on July 18, 2019. Exchange listed.
(Editor in charge: Guan Jing)
