Key points for application:

First, there should be institutional arrangements to bear residual risks.

Second, the shareholders of the bank should have the qualifications and ability to resist risks.

Iii. Specific terms for shareholders to be subject to supervision.

Fourth, to have a differentiated market positioning and specific strategy.

5. Have a legal and feasible risk management and recovery plan.

Case review of our company:

One, zhejiang net business bank: network platform type

Zhejiang e-commercial bank, which is mainly sponsored by alibaba, has been approved after many twists and turns, which also reflects the strict attitude of China banking regulatory commission on the ownership structure of private Banks and the control of private risks.Zhejiang online commercial bank mainly aims at small savings and small loans, making full use of alibaba platform customer resources, in line with the original intention of the establishment of private Banks, is the key to the approval;Both zhejiang online commercial bank and weizhong bank rely on the Internet to carry out business, so the pilot and promotion of remote RMB bank account opening are the main obstacles at present.

Second, webank: network platform

Relying on the platform data and Internet resources of the chief sponsor (tencent), webank conducts "individual deposit and small loan", aiming at small and micro individuals, which fully conforms to the original intention of the establishment of private Banks and captures the key to the approval.Webank has not officially entered the opening stage, and the pilot and promotion of remote RMB bank account opening are the main obstacles at present.

Wenzhou civil and commercial bank: regional

Wenzhou civil and commercial bank mainly provides inclusive financial services for small and micro enterprises, individual industrial and commercial households, community residents and rural residents in county towns in wenzhou region. It is the private bank with the widest business coverage among the five pilot private Banks.At present, wenzhou civil and commercial bank has not disclosed the industries and enterprises it serves and other details. In the future, the bank will take advantage of the leading position of the main sponsor in the polyurethane industry and industrial electrical appliances industry, and designing a scientific and feasible product line is the key to successful operation.

Application requirements:

1. To apply for the establishment of a chinese-funded private commercial bank, the applicant shall submit the following application materials (in duplicate) to the banking regulatory bureau of the place where the proposed institution is located, and at the same time send a copy (one) to the local branch of the commission of banking regulatory commission of the place where the proposed institution is located:

1. An application for establishment addressed to the chairman of China banking regulatory commission jointly signed by the chairman of the board of directors or the President (chief executive officer or general manager) of each shareholder, including the name, location, registered capital, business type applied for, name of each shareholder and contribution ratio of the proposed institution;

2. Feasibility study report, including at least the basic information of the applicant, analysis of the market prospect of the proposed institution, business development plan, organization and management structure, assets and liabilities scale and profit and loss forecast three years after opening, and preliminary planning of information system, data center and network construction related to business operation;

3. Draft articles of association of the proposed institution;

4. Joint venture contract signed by all shareholders of the proposed institution;

5. The articles of association of each shareholder of the proposed institution;

6. Organizational chart of each shareholder of the proposed institution and its group, list of major shareholders, list of overseas branches and affiliated enterprises;

7. Annual reports of each shareholder of the proposed institution in recent three years;

8. The proposed anti-money laundering system for each shareholder of the institution shall not be provided if the Chinese shareholder is a non-financial institution;

9. Letter of commitment signed by all shareholders of the proposed institution to conduct long-term continuous business in China and implement effective management of the proposed institution;

10. A copy of the business license or financial business license issued by the financial regulatory authority of the country or region where the foreign shareholder of the proposed institution is located and the written opinions on its application;

11. Other materials required by CBRC.

2. When applying for the opening of a chinese-funded private commercial bank, the applicant shall submit the written acceptance letter and the following application materials to the banking regulatory bureau of the place where the proposed institution is located (in duplicate), and at the same time send a copy to the local branch of the CBRC in the place where the proposed institution is located (in duplicate) :

1. The application for business opening signed by the head of the preparatory group to the chairman of the China banking regulatory commission, including the name, domicile, registered capital, business scope, shareholders and their shareholding ratio, and the names of the proposed chairman and President (chief executive officer and general manager);

2. Application form for business opening;

3. Relevant materials required for the qualification approval of the proposed chairman, President (CEO, general manager);

4. Pre-business audit report and capital verification certificate issued by legal capital verification institutions;

5. Prepare organizational chart, job description, internal authorization and reporting route;

6. List, resume and training record of the personnel of the proposed institution;

7. The draft articles of association of the proposed institution and the legal opinions on the draft articles of association issued by a law firm legally established within the territory of China;

8. Copies of the qualification certificates or relevant certificates of the safety and fire control facilities of the business premises;

9. Copies of the ownership certificate, the right to use certificate or the lease contract of the business premises;

10. Other materials required by CBRC.