2015年CRI 中国加速民营银行申请审批

 

"I didn't need a guarantee, nor a mortgage, and on the second day I got the loan. I used to apply for loans before but that experience was like begging for money, but private banks treated me like a client."

That is Huang Xianxiang, chief manager of a hardware firm talking about his first experience dealing¹ with Wenzhou Minshang Bank, the country's second private bank.

Thanks to the pilot program which was launched last year, Huang managed to get an unsecured loan of three million yuan or 480 thousand US dollars from the bank.

In 2014, China Banking² Regulatory Commission approved the establishment of five private banks, including Tencent-backed Webank and Alibaba-backed MYbank.

These private banks will help finance small and micro-sized businesses which have long faced difficulty in funding.

From now on, the banking regulator is ready to accept a flood of new applications, opening up all channels for dealing with them.

So far, over 40 private bank applications are waiting for potential approval.

The bank watchdog will decide whether to approve private firms' applications within 4 months, though the legal time limit for such processes is 6 months.

In order to apply for a license³, private companies must have been profitable over the past three years, while having clean credit and tax records.

But at the same time, China Banking Regulatory Commission Chairman Shang Fulin is warning private banks to deal with "residual⁴ risks" which are not covered by the deposit insurance system.

" China has already set up the deposit insurance system. Apart from this, private institutions should make some additional commitment for potential risks. This could make depositors feel much more secure, which in turn attracts more clients."

While welcoming the new direction from the banking regulator, private bank operators are also cautious.

Xu Zhiwu, shareholder⁵ of Wenzhou-based Minshang bank, explains.

"Firstly, we can't take it for granted that we can make big money by operating a bank. Secondly⁶, instead of expecting to get big profits, we should really be prepared to continue investing and even investing more in the bank, especially in a middle or short term."

The latest move was seen as an important reform measure of China's banking sector⁷, which is still dominated by major state-owned banking institutions.

The influx⁸ of private capital will also provide a new growth engine for China's slowing economy.

For CRI, I am Wang Mengzhen.

1 dealing   

n.经商方法，待人态度

参考例句：

• This store has an excellent reputation for fair dealing.该商店因买卖公道而享有极高的声誉。
• His fair dealing earned our confidence.他的诚实的行为获得我们的信任。

2 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

3 license   

n.执照，许可证，特许；v.许可，特许

参考例句：

• The foreign guest has a license on the person.这个外国客人随身携带执照。
• The driver was arrested for having false license plates on his car.司机由于使用假车牌而被捕。

4 residual   

adj.复播复映追加时间；存留下来的，剩余的

参考例句：

• There are still a few residual problems with the computer program.电脑程序还有一些残留问题。
• The resulting residual chromatism is known as secondary spectrum.所得到的剩余色差叫做二次光谱。

5 shareholder   

n.股东，股票持有人

参考例句：

• The account department have prepare a financial statement for the shareholder.财务部为股东准备了一份财务报表。
• A shareholder may transfer his shares in accordance with the law.股东持有的股份可以依法转让。

6 secondly   

adv.第二，其次

参考例句：

• Secondly,use your own head and present your point of view.第二，动脑筋提出自己的见解。
• Secondly it is necessary to define the applied load.其次，需要确定所作用的载荷。

7 sector   

n.部门，部分；防御地段，防区；扇形

参考例句：

• The export sector will aid the economic recovery. 出口产业将促进经济复苏。
• The enemy have attacked the British sector.敌人已进攻英国防区。

8 influx   

n.流入，注入

参考例句：

• The country simply cannot absorb this influx of refugees.这个国家实在不能接纳这么多涌入的难民。
• Textile workers favoured protection because they feared an influx of cheap cloth.纺织工人拥护贸易保护措施，因为他们担心涌入廉价纺织品。