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How harmful are illegal loan intermediaries? A woman born in the 1980s colluded to falsify loan applications and was swindled, the court finally ruled her to be 'responsible' for the unpaid 1.8 million bill.
①Mr. Lei Jie colluded with a loan intermediary to falsify information, applying for a general loan of 1.8 million at the Bank of Shanghai's Nanjing branch. However, the related loan was ultimately taken by the loan intermediary and others. The first and second trials of the court both ruled that the applicant must repay the loan; ② The lawyer believes that the core of this case lies in Mr. Lei Jie himself violating the integrity principle of bank loans, exhibiting obvious fault, and having a weak awareness of risks.
The first refinancing application was withdrawn before the meeting within the year, repeatedly lowering the rights issue fundraising to 5 billion. Why was it abandoned just before implementation?
①The refinancing company xiamen c&d inc., scheduled to be reviewed at the meeting on November 5th, was ultimately cancelled for review and the audit was terminated due to voluntary withdrawal; ②The company's performance has declined significantly in recent years, related to the decrease in real estate revenue, with the acquisition of enterprises dragging as another factor.
How to explain the situation of declining revenue and net profit in the third quarter? Why is the provision coverage ratio still increasing? Can dividends be increased? Bank of Guiyang executives face questions from investors.
① Some investors bluntly pointed out that “revenue and profit growth rates are not ideal” in the three-quarter report, and Chairman Zhang Zhenghai responded. ② Governor Sheng Jun explained why the non-performing rate improved in the third quarter and why the provision rate continued to rise. ③ Investors questioned the slowdown in the company's loan growth rate, and Bank of Guiyang management responded.
The first bank to significantly raise rates against the market! As of November 8, bank of shanghai will increase the interest rate on personal notice deposits, while many other banks are still following with rate cuts.
After adjusting the deposit benchmark interest rate one week later, bank of shanghai announced a significant increase in the notice deposit interest rate. The interest rate for one-day and seven-day products increased by 0.65 and 0.67 percentage points respectively. Since the current round of 'interest rate cuts,' many banks have been gradually following up on lowering various product rates. As of the time the journalist submitted the article, it was only found that bank of shanghai was adjusting the rates of its special deposit products upwards.
After 7 months, the former general manager of Peking reits, Qu Gang, has been approved to serve as the president of Hua Xia Bank, with a high turnover of senior executives in financial institutions belonging to Beijing this year.
On the evening of October 29, Hua Xia Bank announced that the regulatory authority has approved the appointment of Qu Gang as the director and president of the bank. Qu Gang's term as executive director and president of Hua Xia Bank will take effect from the approval date of October 28, 2024; Starting from the beginning of 2024, senior executives of financial institutions in Peking have undergone a series of changes, involving Beijing Rural Commercial Bank, Hua Xia Bank, Beijing International Reits, and Bank of Beijing.
Investment income surged by 148%, but it's challenging to boost revenue! chongqing rural commercial bank's third quarter report: Net interest margin further decreased to 1.61%, with a significant decline in net income from interest and fees.
Chongqing Rural Commercial Bank achieved revenue of 21.514 billion yuan in the first three quarters, a year-on-year decrease of 1.76%; net income attributable to mother was 10.308 billion yuan, a year-on-year increase of 3.55%.
bank of guiyang's revenue in the first three quarters was 10.937 billion yuan, continuously declining year-on-year for 6 consecutive quarters, and the non-performing loan ratio decreased to 1.57%.
①The proportion of Guiyang Bank's time deposits to total deposits increased from 62.83% at the beginning of the year to 68.52% in the third quarter. ②The net interest margin of Bank of Guizhou at the end of the third quarter remained stable at 1.80%, a decrease of 0.01 percentage points from the end of June this year. ③In the latest quarterly report, the non-performing loan ratio of Bank of Guiyang decreased from 1.62% in the half-year to 1.57%, a decrease of 0.05 percentage points.
The coal volume and price both fell sharply, shanxi coal international energy group's net profit in the first three quarters fell by nearly 50% year-on-year |interpretations
shanxi coal international energy group's net profit in the first three quarters was 2.082 billion yuan, nearly halved year-on-year; However, the company's own coal production, sales volume, and coal cost in the third quarter all improved compared to the previous quarter.
Nine joint-stock banks have followed suit today, with seven banks including Everbright and Guangfa announcing a reduction in the deposit benchmark interest rates, with the highest fixed deposit rate cut by 25 basis points.
①The current banks have started a new round of deposit rate cuts, which is of great significance in maintaining interest margins, thereby ensuring the stable operation of commercial banks and increasing the support for financing the real economy continuously. ②This round of bank deposit rate cuts is expected to basically offset the impact of various loan rate cuts on net interest margins.
Share buyback and shareholding loans are quickly implemented! Industrial and Commercial Bank of China, Bank of China, China Construction Bank, China Merchants Bank, Citic Bank, and other banks have announced progress. Some banks have cooperation intention
①As of now, Bank of China has reached cooperation intentions with nearly a hundred listed companies, explicitly committing loans to 32 listed companies, covering industries such as integrated circuits, transportation, high-end manufacturing, and business services; ②The bank stated that it will strictly adhere to the risk compliance bottom line, rigorously prevent crediting funds that do not meet the conditions of the stock increase stake & buy back and reloan policy from illegally flowing into the stock market.
Tide News | Count 150th Anniversary Celebration, Inner Mongolia Erdos Resources 1980 officially announced brand spokesperson Zhao Liying, Ben Sheldon appeared at the ONYX Shanghai party, Kelong naturally appeared at the camping festival opening in Shangha
As an extension of the Paris station, the Count's celebration landed in shanghai with more than 200 exquisite high-end jewelry and watch treasures.
Xiamen Xiangyu Shipbuilding business is "hot", will re-evaluate and adjust the follow-up cooperation with Delong Nickel Industry | Direct hit earnings conference
①According to the subsequent production and operation of the Delong company, we will re-evaluate and adjust the cooperation with the Delong side. ②The shipbuilding business in Xiamen Xiangyu is "booming", with record high deliveries and production in the first half of the year.
A fine of 15 million yuan! guizhou panjiang refined coal's major safety incident administrative penalty settled | Quick announcement
①Guizhou Panjiang Refined Coal's significant administrative penalty for last year's Shanjiaoshu Coal Mine accident has been finalized, with the mine's production capacity at 3.1 million tons/ year; ②In the first half of the year, due to factors such as high safety pressure, the company's commodity coal production and sales volume decreased significantly year-on-year.
Interest rate as low as 2.98%! Bank of Shanghai doubles subsidies for "trade-in" program, introducing exclusive consumer vouchers and interest rate coupons, covering key areas such as business districts and autos.
①Shanghai announced a major push to promote consumer trade-ins, with consumer subsidy funds of up to 4 billion yuan. ②Multiple financial institutions have launched consumer vouchers for trade-ins and consumer discounts on the basis of government subsidies.
Is the change in loan loss provision coverage ratio to adjust profits? How to control the widening of net interest margin decline and the cost of liabilities? Bank of Guiyang management faces investor scrutiny.
①Bank of Guiyang stated that it strictly follows the management procedures, regularly updates measurement parameters and recognizes asset impairments, complying with regulatory requirements. ②Continuing to adhere to the concept of coordinated development of "quantity and price", increasing low-cost fund inflows and fund deposits, continuously optimizing the deposit term structure, gradually restoring net interest margins. ③Will comprehensively consider investor demands and the operational needs of the bank, maintaining a sustainable and stable cash dividend ratio and frequency.
A-share listed banks' semi-annual report: 41 banks continue to explore interest rate spreads, 12 banks experience negative growth in net income. The window for another round of interest rate cuts for existing housing loans has opened, posing a potential c
In the first half of the year, 41 banks collectively experienced a decline in net interest margin, with 9 banks experiencing a decrease in the level of interest margin of 2% or more compared to the same period last year. The number of banks with negative growth in net profit attributable to the parent company reached 12, an increase of 7 compared to the same period last year. Experts believe that the continued narrowing of net interest margin has put pressure on the profitability of banks, and the possible downward adjustment of mortgage rates for existing homes in the near future will further challenge the interest margin of banks and increase operational pressure.
Huaibei Mining Holdings' half-year performance decreased by nearly 20% year-on-year. The company will improve its mid-term dividend mechanism in the future. | Interpretations
①Due to the decline in coking coal prices, Huaibei Mining's net income attributable to shareholders for the first half of the year was 2.935 billion yuan, a year-on-year decrease of 18.19%. The price of coking coal may continue to be lowered in the third quarter. ②The company will not distribute dividends for the middle of this year, and will improve the mid-term dividend mechanism by amending the Articles of Association in the future.
After the change of the controlling shareholder, Nanjing Iron & Steel released its first 'mid-term report card', which shows a performance growth of over 20% against the trend. | Interpretations
In the first half of the year, Nanjing Iron & Steel achieved a net profit attributable to shareholders of RMB 1.233 billion, a year-on-year increase of 24.70%; The company plans to distribute a cash dividend of RMB 1.00 per 10 shares for the first half of the year, with a total dividend of RMB 0.617 billion. Apart from maintaining a high level of profitability in the steel business, Nanjing Iron & Steel has also contributed significantly to other income growth in the first half of this year. In addition, both management expenses and staff salaries have seen a year-on-year decrease.
The Hong Kong stock market is strong, with a stock soaring over 123% during intraday trading! What happened?
With the rise in market activity, the Hong Kong stock market has also seen frequent appearances of "monster stocks".
Is the remuneration method reasonable for the unexpected controversy over the 'ten-thousand-yuan meeting subsidy' for directors and supervisors of Huaxing Bank? How to reasonably motivate independent directors to perform their duties is a test.
Director and supervisor subsidies are industry norms, especially to encourage the participation of external directors and supervisors. The allowance for independent directors is generally around 0.2-0.3 million per year, and there are not many meetings per year. If paid according to the number of meetings, it may appear relatively high. "Effectively play the role of independent directors in supervision and strengthen performance protection and constraints". This means that the responsibility of independent directors is further expanded.