中国银监会:民间资本投资银行业的范围和对象无限制

中国银监会:民间资本投资银行业的范围和对象无限制

来源:中国中央政府门户网站;www.gov.cn;2012年05月26日 16时00分;来源:新华社

鼓励和引导民间资本进入银行业 — 专访中国银监会相关部门负责人

北京,5月26日。人们期待已久的《 关于鼓励和引导民间资本进入银行业的实施意见》,近日正式出台。当前,民间资本进入银行业的现状如何?进入需要符合什么条件?银监会如何为民间资本进入银行业创造良好环境?《 意见》对民间资本投资村镇银行有什么新举措?银监会相关部门负责人,26日就以上问题,接受了新华社记者的专访。

民间资本投资银行业的范围和对象没有限制

问:目前,民间资本进入银行业的现状如何?对民间资本的投资对象和投资范围是否存在限制?民间资本进入银行业,需要符合什么条件?

答:目前,民间资本已是中国银行业资本金的重要组成部分。民间资本参与了部分大型商业银行和股份制商业银行的首次公开募股(IPO)和股权优化。不少民间资本成为股份制商业银行的主要股东。

截至2011年底,股份制商业银行和城市商业银行总股本中,民间资本占比,分别为42%,和54%;

农村中,小金融机构整体股权结构中,民间资本占比达92%,其中,农村合作金融机构股权结构中,民间资本占93%。

对民间资本投资银行业的范围、对象,没有限制。《 意见》明确,要支持民营企业参与商业银行增资扩股,鼓励和引导民间资本参与城商行重组;支持民营企业,特别是符合条件的农业产业化龙头企业,和农民专业合作社等涉农企业,参与农村信用社股份制改革,或参与农村商业银行增资扩股;支持民营企业参与村镇银行发起设立或增资扩股;支持农民、农村小企业,作为农村资金互助社社员,发起设立或参与农村资金互助社增资扩股;支持民营企业投资信托公司、消费金融公司;支持符合相应条件的民营企业,投资企业,集团财务公司、金融租赁公司和汽车金融公司。

为保障银行业金融机构稳健经营,防止资质不良的投资者对银行业可能造成的损害,保护存款人和社会公众利益,投资者进入银行业,需满足一定的审慎条件。民间资本与其他资本,都需同等遵守这些条件。这些条件,主要体现在相关监管规章中。

概括而言,银行监管机构在审核投资银行业金融机构的准入申请时,将审慎考虑投资者对拟投资银行业金融机构稳健经营可能产生的影响。

总的政策是:支持公司治理结构完善,社会声誉、诚信记录和纳税记录良好,经营管理能力和资金实力较强,财务状况、资产状况良好,入股资金来源,真实,合法的民营企业投资银行业金融机构。防止公司治理结构存在明显缺陷,关联关系复杂、关联交易频繁,且异常,核心主业不突出,现金流量受经济景气影响较大,资产负债率、财务杠杆率畸高的企业进入银行业。

不得单独针对民间资本进入银行业设限

问:银监会将如何为民间资本进入银行业创造良好环境?如何促进民间资本投资的银行业金融机构稳健经营?

答:为进一步推动民间资本进入银行业,《 意见》强调,各级银行业监管机构要鼓励各类符合条件的投资者投资,入股银行业金融机构,在市场准入的实际工作中,不得单独针对民间资本进入银行业设置限制条件,或其他附加条件;有关投资银行业金融机构的法规、政策和程序,以及银行业市场准入行政许可事项、结果,及时公布,持续提高银行业市场准入的透明度。

银监会对银行业金融机构股东的持股比例,有相应的审慎要求。《 意见》首先强调,民间资本进入银行业,需与其他资本同等遵守这些审慎规定。其次,明确,各银行业金融机构,包括,民间资本投资的银行业金融机构,均应遵守相关规定,规范关联交易等行为,控制关联交易风险和其他风险。再次,对于已经,或可能发生信用危机,严重影响存款人或其他客户合法权益,或者,有违法经营、经营管理不善,而可能严重危害金融秩序、损害公众利益等情形的银行业金融机构,银行业监督管理机构将依法,及时采取相应的风险处置措施。

符合规定的小额贷款公司,可依法改制为村镇银行

问:《 意见》对民间资本投资村镇银行有什么新举措?对小额贷款公司和融资担保公司又有哪些规定?对于银行业加大对民间投资的融资支持有什么具体要求?

答:截至2011年底,在已批准组建的726家村镇银行股权结构中,民间资本占比超过82%。

为鼓励民间资本投资村镇银行,《 意见》调整了村镇银行主发起行的最低持股比例要求,由原来的,不低于20%,降低到15%。同时,明确,村镇银行进入可持续发展阶段后,主发起行,可以与其他股东,按照有利于拓展特色金融服务、防范金融风险、完善公司治理的原则,调整各自的持股比例。

为充分发挥主发起行对村,镇银行长期稳健发展的积极作用,《 意见》强调,村镇银行的主发起行,应向村,镇银行提供成熟的风险管理理念、管理机制和技术手段,帮助建立风险为本的企业文化,促进村镇银行审慎,稳健经营。

随着近年来,小额贷款公司的发展,市场上,出现了要求将小额贷款公司转变为村镇银行的呼声,银监会出台了专门的办法,规范小额贷款公司转制为村镇银行问题。《 意见》强调,符合规定的小额贷款公司,可以依法改制为村镇银行。

引导银行业金融机构加强与融资性担保机构的互利合作,推动小型微型企业信用体系建设,改善民营企业,特别是民营小微企业融资环境。同时,银监会将继续根据职责分工,与其他部门、地方政府,做好沟通协调,落实国家对于小额贷款公司、融资担保公司准入的相关政策。

银行业要不断加大对民间投资的融资支持,根据民间投资特点,积极开展融资模式、服务手段和产品创新,灵活运用各种金融工具,提供多层次金融服务,支持民营企业发展,重点满足符合国家产业和环保政策、有利于扩大就业、有偿还意愿和偿还能力、具有商业可持续性的小型微型企业的融资需求。《 意见》从服务机制、资源配置、产品创新等方面,对银行业做好小微企业金融服务,提出了具体要求。

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China Banking Regulatory Commission: the scope and object of the private capital investment banking unlimited

Source: China’s central government portal; www.gov.cn; 2012 05 26 16 00; Source: Xinhua News Agency

Encourage and guide private capital into the banking sector — an exclusive interview with the person in charge of the relevant department of the China Banking Regulatory Commission

Beijing, May 26. The long-awaited “to encourage and guide the implementation of the views of private capital into the banking industry, has officially introduced. At present, the status of private capital into the banking sector? Into the need to comply with the conditions? The CBRC How to create a good environment for private capital to enter the banking sector? “Opinions” of private capital investment, rural banks, what new initiatives? CBRC department heads, on the 26th of the above problems, to accept an exclusive interview with Xinhua News Agency reporter.

There is no limit to the scope and object of the private capital investment banking

Q: At present, the status of private capital into the banking sector? Private capital investment targets and investment scope of the existence of the limit? Private capital into the banking sector, and what conditions need to meet?

A: Currently, private capital has been an important part of China’s banking capital. Private capital to participate in some large commercial banks and joint-stock commercial bank’s initial public offering (IPO) and stock optimization. A lot of private capital to become a substantial shareholder of the joint-stock commercial banks.

As of the end of 2011, the total share capital of joint-stock commercial banks and city commercial banks, private capital accounted for 42% and 54%, respectively;

In rural areas, the overall ownership structure of small financial institutions, private capital accounted for 92%, of which the ownership structure of the rural cooperative financial institutions, private capital accounted for 93%.

Private capital investment banking area, object, there is no limit. “Clearly, to support private enterprises to participate in the commercial banks to increase their investment, encourage and guide private capital to participate in the restructuring of city commercial banks; to support private enterprise, especially qualified agricultural industrialization leading enterprises, and farmers’ professional cooperatives and other agribusiness participate in joint-stock reform of rural credit cooperatives, or in rural commercial banks to increase their investment; to support private enterprises to participate in village banks initiated to establish or increase their investment; support farmers and rural small businesses, rural fund cooperatives members, initiated the establishment of or participation in mutual funds in rural areas community to increase their investment; to support private enterprise investment trust, consumer finance company; support to meet the corresponding conditions of private enterprise, investment enterprises, finance company, financial leasing companies and auto finance company.

Sound operation for the protection of banking financial institutions to prevent adverse qualified investors in the banking industry may cause damage to protect the public interest of depositors and investors to enter the banking industry, need to meet certain prudential conditions. Private capital and other capital, are subject to an equivalent comply with these conditions. These conditions, mainly reflected in the relevant regulatory rules.

In general, banking regulators in the audit of investment banking and financial institutions access to applications, will carefully consider the possible impact of investors plans to invest banking financial institutions operate prudently.

The overall policy is to: support the company’s governance structure, social reputation, the integrity of records and tax records, strong management ability and financial strength, financial condition, assets in good condition, shares the source of funds, real, legitimate private enterprise investment banking financial institutions. Prevent the obvious defects of corporate governance structure, the relationship is complex, frequently related party transactions, and exception core business and cash flow affected by the economic boom of large, asset-liability ratio, financial leverage ratio is extremely high, companies enter the banking sector.

May not be alone for private capital to enter the banking sector restrictions

Q: how the CBRC will create a good environment for private capital to enter the banking sector? How to promote private capital investment in the sound operation of banking financial institutions?

A: In order to further promote private capital into the banking industry, “opinions” stressed that the banking regulatory agencies at all levels to encourage various types of eligible investors to invest in shares of banking financial institutions, may not be alone in the practical work of market access, conditions for private capital into the banking industry to set limits or additional conditions; regulations, policies and procedures related to investment banking financial institutions, as well as the banking market access matters under administrative license, the results, the timely disclosure of continuous improvement of the banking market access transparency.

The CBRC shareholding ratio of the banking financial institutions, the appropriate prudential requirements. “Opinions” first emphasize that the private capital into the banking sector, the need to comply with these prudential rules and other capital equal. Secondly, it is clear, the banking financial institutions, including private capital investment in the banking financial institutions shall comply with the relevant provisions, regulate the behavior of related party transactions and other control related party transactions and other risks. Again, have been, or may be a credit crisis, seriously affecting the depositors or other customers legitimate rights and interests, or illegal business, poor management, which may seriously harm the financial order, against the public interest the case of banking financial institutions, banks Regulatory agencies in accordance with the law, to take appropriate risk measures to deal with.

Comply with the provisions of small loan companies, may be legally transformed into village banks

Q: What new initiatives “opinions” of private capital investment in rural banks? What provisions of small loan companies and financing guarantee? Have any specific requirements for banking sector to increase private investment in financing support?

A: As of the end of 2011, has approved the formation of the 726 rural banks ownership structure, private capital accounted for more than 82%.

In order to encourage private capital investment, rural banks, the “opinions” to adjust the minimum ownership requirements for village banks the main initiating the line from the original, not less than 20%, reduced to 15%. At the same time, it is clear, rural banks into the sustainable development phase, the main initiated by line, and other shareholders, in accordance with the principles conducive to the expansion of the characteristics of financial services, prevention of financial risks, improve corporate governance, adjust their stake.

In order to give full play to the main an active role to initiate long-term steady development of line village, town bank, the “Opinions” stressed, the village bank, launched the line, should be village, town bank provides sophisticated risk management philosophy, management mechanisms and techniques to help establish risk-based corporate culture, the promotion of rural banks cautious, steady operation.

With the development of recent years, small loan companies, the market requirements of the voice of microcredit into village banks, the CBRC promulgated a special way to regulate the small loan companies to convert into village banks. “Opinions” stressed the compliance of small loan companies, you can legally transformed into village banks.

To guide the banking financial institutions to strengthen mutually beneficial cooperation and promote the small micro-enterprise credit system construction and financing guarantee institutions, and improve private enterprises, especially private small micro-enterprise financing environment. Meanwhile, the CBRC will continue to work according to the division of responsibilities with other departments, local government, good communication and coordination to implement the national policy for small loan companies, financing guarantee access.

Banking industry to continue to increase financing support for private investment, according to the characteristics of private investment, actively carry out the financing model, the means of service and product innovation, and flexible use of various financial instruments, to provide multi-level financial services, and support the development of private enterprise, focused to meet the meet the national industrial and environmental policies, to expand employment and repayment willingness and ability to repay, with the commercial sustainability of the financing needs of small micro-enterprises. “Opinions” from the service mechanism, the allocation of resources, product innovation and other aspects of the banking sector to do the small micro-enterprise financial services, put forward specific requirements.

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中國銀監會:民間資本投資銀行業的範圍和對象無限制

來源:中國中央政府門戶網站;www.gov.cn;2012年05月26日16時00分;來源:新華社

鼓勵和引導民間資本進入銀行業— 專訪中國銀監會相關部門負責人

北京,5月26日。人們期待已久的《 關於鼓勵和引導民間資本進入銀行業的實施意見》,近日正式出台。當前,民間資本進入銀行業的現狀如何?進入需要符合什麼條件?銀監會如何為民間資本進入銀行業創造良好環境? 《 意見》對民間資本投資村鎮銀行有什麼新舉措?銀監會相關部門負責人,26日就以上問題,接受了新華社記者的專訪。

民間資本投資銀行業的範圍和對像沒有限制

問:目前,民間資本進入銀行業的現狀如何?對民間資本的投資對象和投資範圍是否存在限制?民間資本進入銀行業,需要符合什麼條件?

答:目前,民間資本已是中國銀行業資本金的重要組成部分。民間資本參與了部分大型商業銀行和股份製商業銀行的首次公開募股(IPO)和股權優化。不少民間資本成為股份製商業銀行的主要股東。

截至2011年底,股份製商業銀行和城市商業銀行總股本中,民間資本佔比,分別為42%,和54%;

農村中,小金融機構整體股權結構中,民間資本佔比達92%,其中,農村合作金融機構股權結構中,民間資本佔93%。

對民間資本投資銀行業的範圍、對象,沒有限制。 《 意見》明確,要支持民營企業參與商業銀行增資擴股,鼓勵和引導民間資本參與城商行重組;支持民營企業,特別是符合條件的農業產業化龍頭企業,和農民專業合作社等涉農企業,參與農村信用社股份制改革,或參與農村商業銀行增資擴股;支持民營企業參與村鎮銀行發起設立或增資擴股;支持農民、農村小企業,作為農村資金互助社社員,發起設立或參與農村資金互助社增資擴股;支持民營企業投資信託公司、消費金融公司;支持符合相應條件的民營企業,投資企業,集團財務公司、金融租賃公司和汽車金融公司。

為保障銀行業金融機構穩健經營,防止資質不良的投資者對銀行業可能造成的損害,保護存款人和社會公眾利益,投資者進入銀行業,需滿足一定的審慎條件。民間資本與其他資本,都需同等遵守這些條件。這些條件,主要體現在相關監管規章中。

概括而言,銀行監管機構在審核投資銀行業金融機構的准入申請時,將審慎考慮投資者對擬投資銀行業金融機構穩健經營可能產生的影響。

總的政策是:支持公司治理結構完善,社會聲譽、誠信記錄和納稅記錄良好,經營管理能力和資金實力較強,財務狀況、資產狀況良好,入股資金來源,真實,合法的民營企業投資銀行業金融機構。防止公司治理結構存在明顯缺陷,關聯關係複雜、關聯交易頻繁,且異常,核心主業不突出,現金流量受經濟景氣影響較大,資產負債率、財務槓桿率畸高的企業進入銀行業。

不得單獨針對民間資本進入銀行業設限

問:銀監會將如何為民間資本進入銀行業創造良好環境?如何促進民間資本投資的銀行業金融機構穩健經營?

答:為進一步推動民間資本進入銀行業,《 意見》強調,各級銀行業監管機構要鼓勵各類符合條件的投資者投資,入股銀行業金融機構,在市場准入的實際工作中,不得單獨針對民間資本進入銀行業設置限制條件,或其他附加條件;有關投資銀行業金融機構的法規、政策和程序,以及銀行業市場准入行政許可事項、結果,及時公佈,持續提高銀行業市場准入的透明度。

銀監會對銀行業金融機構股東的持股比例,有相應的審慎要求。 《 意見》首先強調,民間資本進入銀行業,需與其他資本同等遵守這些審慎規定。其次,明確,各銀行業金融機構,包括,民間資本投資的銀行業金融機構,均應遵守相關規定,規範關聯交易等行為,控制關聯交易風險和其他風險。再次,對於已經,或可能發生信用危機,嚴重影響存款人或其他客戶合法權益,或者,有違法經營、經營管理不善,而可能嚴重危害金融秩序、損害公眾利益等情形的銀行業金融機構,銀行業監督管理機構將依法,及時採取相應的風險處置措施。

符合規定的小額貸款公司,可依法改制為村鎮銀行

問:《 意見》對民間資本投資村鎮銀行有什麼新舉措?對小額貸款公司和融資擔保公司又有哪些規定?對於銀行業加大對民間投資的融資支持有什麼具體要求?

答:截至2011年底,在已批准組建的726家村鎮銀行股權結構中,民間資本佔比超過82%。

為鼓勵民間資本投資村鎮銀行,《 意見》調整了村鎮銀行主發起行的最低持股比例要求,由原來的,不低於20%,降低到15%。同時,明確,村鎮銀行進入可持續發展階段後,主發起行,可以與其他股東,按照有利於拓展特色金融服務、防范金融風險、完善公司治理的原則,調整各自的持股比例。

為充分發揮主發起行對村,鎮銀行長期穩健發展的積極作用,《 意見》強調,村鎮銀行的主發起行,應向村,鎮銀行提供成熟的風險管理理念、管理機制和技術手段,幫助建立風險為本的企業文化,促進村鎮銀行審慎,穩健經營。

隨著近年來,小額貸款公司的發展,​​市場上,出現了要求將小額貸款公司轉變為村鎮銀行的呼聲,銀監會出台了專門的辦法,規范小額貸款公司轉制為村鎮銀行問題。 《 意見》強調,符合規定的小額貸款公司,可以依法改制為村鎮銀行。

引導銀行業金融機構加強與融資性擔保機構的互利合作,推動小型微型企業信用體系建設,改善民營企業,特別是民營小微企業融資環境。同時,銀監會將繼續根據職責分工,與其他部門、地方政府,做好溝通協調,落實國家對於小額貸款公司、融資擔保公司准入的相關政策。

銀行業要不斷加大對民間投資的融資支持,根據民間投資特點,積極開展融資模式、服務手段和產品創新,靈活運用各種金融工具,提供多層次金融服務,支持民營企業發展,重點滿足符合國家產業和環保政策、有利於擴大就業、有償還意願和償還能力、具有商業可持續性的小型微型企業的融資需求。 《 意見》從服務機制、資源配置、產品創新等方面,對銀行業做好小微企業金融服務,提出了具體要求。

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http://www.billionairesdesire.com (網站價值評估:超億元);
http://www.billionairesParty.com (網站價值評估:超億元);
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http://www.billionairesdesire.com (網站價值評估:超億元);
http://www.billionairesParty.com (網站價值評估:超億元);
http://www.billionairesGroup.com (網站價值評估:超億元);
http://www.helicoptersbuyers.com (網站價值評估:超億元);
漢語名稱由谷歌自動翻譯,特注

《中国银监会:民间资本投资银行业的范围和对象无限制》有一个想法

  1. 汇丰银行的”谦卑”更像公关

    发布时间:2012年05月23日 03:40

      报载,英国银行ATM机“吐”双倍数额的现金,引来二百多人赶来取现,当事银行称,“错在自己,顾客不必为银行失误负责,不用归还多余的钱”。霎时,网上评论对这家银行一片褒扬,似乎国外银行,如慈眉善目的菩萨一般;再联想之前的“许霆案”,一些人对国内银行“以大欺小”的痛恨,就愈加怒发冲冠了。

      必须承认,国外银行对用户的态度,国内银行是远远不及的,后者,因为市场化竞争,尚不够充分,其傲慢态度与霸王条款,屡遭诟病。不过,且慢,国外银行也并非十全十美。

    据报道可知,英国这家“大度”的银行,就是大名鼎鼎的汇丰银行,但是,从去年底开始,它就相继被标普和惠誉下调评级,其在英国本土,面临的竞争,也日趋激烈。从这个角度看,汇丰此次“大度谦卑”,绝非是“大发善心”,公关的成分,或许更大。

      

    更值得注意的是,这个汇丰,在华业务的口碑,也是十分欠佳。近期,有媒体报道,指出,汇丰银行杭州的一客户,在2007年,花1000万元,购买汇丰银行的QDII理财产品,然而,到了今年,只剩下500万元左右;还有一位金先生,请汇丰私人银行客户经理帮其推荐股票,但是,三个月后,账户里的120万美金和60万港币,就被亏损殆尽了;更早之前,北京储户方先生,在汇丰北京燕莎中心支行,明明办的是存款,结果变成了双利存款,导致一个月,损失了30多万元。

    由是观之,汇丰也不像有些人吹的那么好。银行不是慈善家,追逐利益,那是本性,这很正常,但,不择手段、给客户下套,则是可耻的。难道国外金融巨头,也和其他一些跨国企业一样,区别对待中外客户?

      

    当今社会,因为,有了网络,在英国小镇上发生的事情,当天,就能传到万里之遥的中国,而且,形成了一股不小的舆论,这一点,作为跨国金融巨头,汇丰心知肚明。不过,为了挽回被全球知名评级机构下调评级的不利影响,为了扭转其在世界各地(包括,在中国)的负面形象,“大度”地放两百多位“犯法”者一马,来赢得舆论赞誉和改善形象,这个买卖,划算得很。看来,汇丰也深知“塞翁失马,焉知非福”的道理。至少,在中国网络上,它好像成功了。

      

    只是不知道,如果汇丰真的成功了,谁会因此失败或倒霉呢?

    http://translate.google.cn/?sl=zh-CN&tl=en#zh-CN|zh-TW|

    匯豐銀行的”謙卑”更像公關

    發佈時間:2012年05月23日 03:40

    報載,英國銀行ATM機“吐”雙倍數額的現金,引來二百多人趕來取現,當事銀行稱,“錯在自己,顧客不必為銀行失誤負責,不用歸還多餘的錢”。霎時,網上評論對這家銀行一片褒揚,似乎國外銀行,如慈眉善目的菩薩一般;再聯想之前的“許霆案”,一些人對國內銀行“以大欺小”的痛恨,就愈加怒髮衝冠了。

    必須承認,國外銀行對用戶的態度,國內銀行是遠遠不及的,後者,因為市場化競爭,尚不夠充分,其傲慢態度與霸王條款,屢遭詬病。不過,且慢,國外銀行也並非十全十美。

    據報導可知,英國這家“大度”的銀行,就是大名鼎鼎的匯豐銀行,但是,從去年底開始,它就相繼被標普和惠譽下調評級,其在英國本土,面臨的競爭,也日趨激烈。從這個角度看,匯豐此次“大度謙卑”,絕非是“大發善心”,公關的成分,或許更大。

      

    更值得注意的是,這個匯豐,在華業務的口碑,也是十分欠佳。近期,有媒體報導,指出,匯豐銀行杭州的一客戶,在2007年,花1000萬元,購買匯豐銀行的QDII理財產品,然而,到了今年,只剩下500萬元左右;還有一位金先生,請匯豐私人銀行客戶經理幫其推荐股票,但是,三個月後,賬戶裡的120萬美金和60萬港幣,就被虧損殆盡了;更早之前,北京儲戶方先生,在匯豐北京燕莎中心支行,明明辦的是存款,結果變成了雙利存款,導致一個月,損失了30多萬元。

    由是觀之,匯豐也不像有些人吹的那麼好。銀行不是慈善家,追逐利益,那是本性,這很正常,但,不擇手段、給客戶下套,則是可恥的。難道國外金融巨頭,也和其他一些跨國企業一樣,區別對待中外客戶?

      

    當今社會,因為,有了網絡,在英國小鎮上發生的事情,當天,就能傳到萬里之遙的中國,而且,形成了一股不小的輿論,這一點,作為跨國金融巨頭,匯豐心知肚明。不過,為了挽回被全球知名評級機構下調評級的不利影響,為了扭轉其在世界各地(包括,在中國)的負面形象,“大度”地放兩百多位“犯法”者一馬,來贏得輿論讚譽和改善形象,這個買賣,划算得很。看來,匯豐也深知“塞翁失馬,焉知非福”的道理。至少,在中國網絡上,它好像成功了。

      

    只是不知道,如果匯豐真的成功了,誰會因此失敗或倒霉呢?

    http://translate.google.cn/?sl=zh-CN&tl=en#zh-CN|zh-TW|

    HSBC “humility” is more like public relations

    Posted: May 23, 2012 03:40

    According to newspaper reports, the British bank ATM machine spit “double the amount of cash, attracted more than 200 people came to take now, parties to the bank said wrong in their own customers do not have to responsible for the banks mistakes, do not return the extra money”. Instant, online reviews of these banks is a compliment, it seems that foreign banks, such as benign countenance of the Buddha in general; “Xu Ting case” and then think of before, some domestic banks’ big bullying the small “hate even more bristle.

    Must admit that the attitude of foreign banks on the user’s domestic banks is far less than the latter, because the market competition, is still inadequate, its arrogance and the terms of the King, have been repeatedly criticized. But, wait a minute, the foreign bank is not perfect.

    It is reported that shows that this “generosity” of the bank, is the famous HSBC, however, since the end of last year, it successively by Standard & Poor’s and Fitch downgraded its face competition in the United Kingdom are becoming increasingly intense. From this perspective, HSBC’s “generosity and humility,” is certainly not a “big hearted”, the composition of public relations, perhaps greater.

    More noteworthy is that this HSBC business in China’s reputation is also very poor. Recently, media reports pointed out that a customer of HSBC Bank, Hangzhou, in 2007, spent 10 million yuan, the purchase of the HSBC bank’s QDII financial products, however, this year, only about 5 million yuan; a Mr. King HSBC Private Banking client manager recommended stock, However, after three months, $ 1.2 million accounts and 600,000 Hong Kong dollars, was loss exhausted; even earlier, the Beijing depositors Fang, HSBC Beijing Yan Lufthansa Centre Sub-branch, obviously to do is deposit the results into a dual-interest deposits, resulting in a month, the loss of more than 30 million.

    In view of this, HSBC, unlike some people blowing. The banks are not philanthropists, pursuing the interests, it is nature, this is normal, but by whatever means, to the customer under the cover, it is shameful. Are foreign financial giants, and other multinational distinguish between Chinese and foreign customers?

    Today’s society, because, with the network, what happened in the English town that day, you can spread thousands of miles away, and the formation of an not public opinion, which is, as a multinational financial giant HSBC know it. However, in order to restore the world’s leading rating agencies downgrade the adverse effects, in order to reverse in the world (including in China), the negative image of “generosity” to put two hundred “break the law” on a horse, to win public opinion praise and improve the image of this sale, a very cost-effective. Opinion, HSBC also know that “blessing in disguise horse, how can we know the truth of a blessing”. At least, in China’s Internet, it seems successful.

    Just do not know if HSBC really successful, and who would therefore fail or bad luck?

    http://translate.google.cn/?sl=zh-CN&tl=en # zh-CN | zh-TW |

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