Is it really because Baoshang Bank declared bankruptcy because it was hollowed out by major sharehol

Speaking of banks, they are absolutely closely related to our lives, especially for some elderly people, who like to keep their money in the bank, because this is a very safe financial behavior for these elderly people. In most people's traditional impressions, banks will never fail, and they are the safest place to store money, butBaoshang BankIt can be said that it is one exception among many banks.

Baoshang Bank declared bankruptcyBaoshang Bank declared bankruptcy not long ago, and Baoshang Bank became the second bank in history to be forced to go bankrupt. As for the bankruptcy of banks, in fact, many people are more curious, after all, most people's impression of banks is that type that can make a lot of money. And such a bankruptcy behavior shows us that banks are not all very safe.

The reason why Baoshang Bank went bankrupt is because there is a very serious credit risk within the bank.

The central bank and China's China Banking and Insurance Regulatory Commission.

The reason for the bankruptcy of Baoshang Bank is given, due to the credit danger of Baoshang Bank, and the shareholders of Baoshang Bank hold nearly 90% of the equity of Baoshang Bank through concealment of association, or use of proxy holding, etc., and completely use the entire Baoshang Bank and the funds stored by customers in Baoshang Bank as their own ATMsThis is also the final reason why Baoshang Bank had to go bankrupt in the end. Such an act is really very incomprehensible, and it is also very incomprehensibleSigh

For the management of funds in the past, many users are also more concerned about the management of their funds, so in the process of storage will look for some large-scale banks, such as the four major banks in China, in addition to the deposit and withdrawal of funds, many people will also buy some financial products in the four major banks.

It has become a guarantee for our lives, without considering some smaller banks, and the bankruptcy case of Baoshang Bank can also be regarded as a certain degree of impact for smaller banks. For Baoshang Bank, users can pay a certain degree of compensation through insurance if they store less than 500,000 yuan, but if it exceeds 500,000 yuan, it is difficult to sort out the financial problems.

Therefore, we should also pay more attention in the process of fund deposit and withdrawal and selection in the futureEspecially for banks, proper operation is the only way to keep the bank afloat, rather than using the bank itself as an ATM.

Of course, it was because it was hollowed out by major shareholders, and the operation of China Merchants Bank was very poor, which led to today's failure.

Personally, I don't think so, because the non-performing loans caused the bankruptcy of Baoshang Bank, because there is a serious credit risk in Baoshang Bank.

It should be true. It's because their funds are tied up, and there are some improper transactions.

The conventional wisdom is that banks don't go bankrupt, but that's not the case. Baoshang BankBankruptcy was declared, and the main reason for this bankruptcy was the serious appearance of Baoshang BankCredit RiskIt mainly refers to the fact that the major shareholders of Baoshang Bank have held a large number of shares in Baoshang Bank through some affiliated banks or relatively hidden operations. Therefore, it has a great say in the operation of Baoshang Bank, and in this way, the bank will become an ATM for individuals, which has led to a series of fierce business problems and insolvency of Baoshang Bank, so it has to declare bankruptcy.

Therefore, some small local banks are actually a kind of operating enterprises, and don't think that the banks will not go bankrupt, and the banks will also go bankrupt.

Under normal circumstances, in order to ensure the sound operation of the bank, it is also to maintain the capital market.

Therefore, we will stipulate the design and system of the bank. Even private banks have regulations on the equity control of shareholders, but some shareholders of Baoshang Bank have made a large number of shares in Baoshang Bank through some covert operations and related connections. When the shareholding ratio of shareholders is larger, the greater the impact on the company, and the stronger the voice in the company.

The general public does not know about it, so they will deposit their money in Baoshang Bank, so that the deposit of Baoshang Bank will actually become the ATM of this major shareholder. Under such a circumstance, Baoshang Bank will naturally have problems in its long-term operation, so this also shows that in the process of bank operation and development, supervision must be strengthened.

The bankruptcy of Baoshang Bank will inevitably affect the interests of the general public and cause unnecessary chaos. So the central bank.

Some of the larger banks have also taken over Baoshang Bank and investigated the problems, so there is no need for the public to be overly worried. In fact, it is very, very rare for a bank to go bankrupt, so you don't have to worry about your deposits in the bank, but you have to save in time.

Everyone's attitude towards the front desk is different, some people like to save, and some people like to spend the current month's salary. However, as long as you have enough ability to deal with risks, you can ensure that you can respond in a timely manner when you encounter risks.

The reason is that there are few people who save money, and the banks cannot function; The bank has been seriously underfunded, and the bank is not a particularly large bank, and people are not very familiar with it, so the company's funds are not working, and there are also problems with the bank's economic troubles.

This is mainly due to the emergence of more serious credit risks; What I know is that because the major shareholders of Baoshang Bank hold a large number of shares through some covert operations, they have a decisive impact on the operation, which leads to the bank's fierce cherry blossoms becoming a personal branch selling machine.

I know that it is because the scale of this company is relatively small, and the company has a lot of troubles in terms of poor operation, and many shareholders have illegally occupied credit funds, resulting in problems with accounting information.

The main reason is that the creditworthiness is too low, and secondly, it is also because the bank is seriously insolvent.

Baoshang BankThere are two reasons for bankruptcy, one is that the bank's internal assets are insufficient, and the rush makes it difficult to pay off the debt. The second is the inability of the bank's designated debtor to repay the debt, resulting in the inability to repay the debt that has already matured.

1.Baoshang Bank may be the third bank in China to declare bankruptcy. There are big problems in the internal management of banks, and the state does not supervise and control them enough.

It has led to confusion among the insiders of a small company like Baoshang Bank. The majority shareholder has the highest position in the company, and the funds are at the disposal of the shareholders. Arbitrary control of the bank's funds and operations has led to an increased risk of bank failure.

2.In the event of insolvency, Baoshang Bank has a serious credit risk.

Or is it because the bank management is not strict and the supervision is not enough, resulting in too complex equity.

3.There are many reasons for the bankruptcy of Baoshang Bank. It could be a run on the customer to get money, or it could be a business model.

The risk is high, and it is difficult to recover the funds. A large part of the bankruptcy of Baoshang Bank was due to the fact that the majority shareholder had appropriated the loan funds. Contractor.

Banks lend their funds to major shareholders, causing the capital chain to break and the funds to be hollowed out, leading to its bankruptcy. Recognise the existence of a non-survival trigger event and proceed to bankruptcy proceedings.

Extended information: Baoshang Bank bankruptcy to the financial industry.

The regulatory authorities have vigorously supervised small and medium-sized banking enterprises, especially the management structure and equity distribution within the banks.

2.The liquidity crisis of subcontracted banks is not an example. Against the backdrop of deteriorating bank assets, other banks are facing similar risks. For a long time, China's financial market.

It has always been implicit guarantee with ** credit. When a risk event occurs, due to the need to maintain stability, ** usually comes forward to ensure rigid cash-out; Especially bank deposits.

The absolute safety of personal funds is guaranteed. After the bank has a risk, it can only be paid by ** in the end, which brings moral hazard to the bank's operation.

One. There was a credit crisis in May '19As early as May last year, Baoshang Bank had a credit crisis due to poor management. There is a problem with the capital chain, and the customer is unable to carry out normal deposit and withdrawal activities.

Under the supervision of the central bank, Baoshang Bank's operating rights are all controlled by the People's Bank of China and the Insurance Regulatory Association of the People's Bank of China. All business is also entrusted to CCB for management. Baoshang Bank itself has lost its right to operate.

Two. Restructuring began in October 19Three. Baoshang Bank itself owes too much foreign debt and is insolvent

In fact, except for a few large state-owned banks, the existing private enterprise banks in various places are all corporate banks, and since they are enterprises, there must be bankruptcy. If Baoshang Bank mismanages itself, it will be punished accordingly. Probably in everyone's eyes, banks will never fail.

But in fact, banks are also constantly making financial investments, when their own investment fails, their funds have problems. They may also go out of business due to financial reasons. After all, not every bank has the financial strength of several major state-owned banks.

Rational investment and wealth management products are one of the ways that our small investors can avoid excessive losses. Investment is risky, and you need to be cautious in everything.

On May 24, 2019, Baoshang Bank was jointly taken over by the People's Bank of China and the China Banking and Insurance Regulatory Commission due to serious credit risks. The takeover team fully exercised the operation and management rights of Baoshang Bank and entrusted CCB with the custody of Baoshang Bank's business.

Because on May 24 last year, Baoshang Bank had a serious credit risk, and the results of asset liquidation and capital verification showed that Baoshang Bank was seriously insolvent, so Baoshang Bank will be filed for bankruptcy.

Because Baoshang Bank has serious credit risk. As early as May 2019, Baoshang Bank was jointly taken over by the People's Bank of China and the China Banking and Insurance Regulatory Commission due to serious credit risks, and went bankrupt because it involved more secrets.

As the central bank found that Baoshang Bank has had serious credit risks for more than a year, there is a huge insolvency gap, and if there is no public capital intervention, more than 4 million customers will be seriously affected, and now it has been jointly taken over by the People's Bank of China and the China Banking and Insurance Regulatory Commission to promote reform and reorganization.

This bank was not operating well, which led to serious bankruptcy. Such a bankruptcy means that they can no longer proceed.

A large number of shell companies hollowed out Baoshang Bank by borrowing, and these borrowings became non-performing loans, and then the central bank liquidated Baoshang Bank with serious insolvency, so Baoshang Bank will file for bankruptcy.

Summary. On the one hand, Baoshang Bank has not disclosed its annual reports for 2017 and 2018, and the outside world estimates that it has suffered huge losses in operation and is insolvent. On the other hand, in 2017, Baoshang Bank's non-performing loan ratio was as high as the national average non-performing loan ratio of urban commercial banks in the same period, and the bank's risk resilience was seriously reduced.

Reckless lending, in the face of an economic downturn, the non-performing loan ratio has risen and continued to deteriorate.

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On the one hand, Baoshang Bank has not disclosed its annual reports for 2017 and 2018, and the outside world estimates that it has suffered huge losses in operation and is insolvent. On the other hand, in 2017, Baoshang Bank's non-performing loan ratio was as high as the national average non-performing loan ratio in the same period, which was much higher than the average level of the national non-performing loan ratio of urban commercial banks in the same period, and the bank's risk resilience was seriously reduced. Reckless lending, in the face of the economic downturn, the non-performing loan ratio has risen and continued to deteriorate.

Summary. Hello dear! Enlightenment from the bankruptcy of Baoshang Bank:

For depositors, it is best to disperse the deposits, especially depositors with a single deposit of more than 500,000 yuan, it is best not to deposit money in small and medium-sized banks, at present, all banks have been included in the deposit insurance system, but the upper limit of insurance compensation is 500,000 yuan, and it is safer to deposit large amounts of funds in state-owned banks, after all, the risk control level of large state-owned banks is first-class. Baoshang Bank is a living case, flawless before the thunderstorm, and stunned everyone after the review!

Hello dear! The enlightenment brought by the bankruptcy of Baoshang Bank: for depositors and rolling up the rumors, it is best to disperse the deposits, especially the depositors with a single deposit of more than 500,000 yuan, it is best not to deposit the money in small and medium-sized banks, at present, all banks have been included in the deposit insurance system, but the upper limit of insurance compensation is 500,000 yuan, and it is safer to deposit large amounts of funds in state-owned banks, after all, the risk control level of large state-owned banks is first-class.

Baoshang Bank is a case of escape, before the thunderstorm, the big cherry blossoms were flawless, and everyone was stunned after the review!

It's gone? Kiss! I'm sorry! I didn't have time just now.

And then what. Oh, forgot, right now.

1. It is necessary to establish and improve the supervision system of major shareholders to supervise major shareholders, standardize the behavior of major shareholders, increase the number of major shareholders of enterprises, and let major shareholders complete mutual restraint; 2. Banks should raise the threshold for handling relevant businesses, strictly regulate the use of each fund, and strictly control the inflow and outflow of funds; 3. The state should improve the corresponding laws and regulations, and use the law to restrain the development of the banking industry, so that the banking industry can be on the right path. Move forward; 4. Enterprises should implement strict control over funds, and hire professional financial personnel to supervise and record their own financial development; 5. Enterprises should improve their internal management institutions, reduce the number of redundant personnel, and let various departments restrain each other, and do not concentrate their rights on a certain management level.