"As we all know, the regulatory authorities have repeatedly banned bank loans from illegally flowing into the property market, but the account manager of a branch of Huaxia Bank in Beijing ignored the supervision and committed crimes against the wind."

As the only national joint-stock commercial bank and the largest municipal financial institution in Beijing, Huaxia Bank has been reported with high expectations. However, the performance of Huaxia Bank in recent years is not satisfactory, whether it is internal management or operating performance.

On September 9th, the Consumer Protection Bureau of China Banking Regulatory Commission issued the Report on Consumer Complaints in Banking Industry in 200212nd Quarter, which showed that in 200212nd quarter, the number of complaints from Huaxia Bank increased by 137.8% year-on-year, the number of complaints from credit card business increased by 148.8% year-on-year.

What is even more worrying is that the internal control management of Huaxia Bank's branches still needs to be improved and perfected.

As we all know, the regulatory authorities have repeatedly banned bank loans from illegally flowing into the property market, but the account manager of a branch of Huaxia Bank in Beijing ignored the supervision and committed crimes against the wind. Knowing that the purpose of customer loans is to pay off the down payment, we still recommend the product of "elite loans" to customers, and clearly state that if there are other uses, banks will not review the use of funds as long as they can make an appointment to withdraw cash at the counter one working day in advance. Either the salesman's personal compliance awareness and comprehensive quality need to be improved, or the branch has taken "illegal operation" because of the temptation of KPI, which reflects that Huaxia Bank needs to improve the internal management mechanism of the branch.

At the operational level, Huaxia Bank has long been characterized by green finance. Nowadays, many banks have made great efforts under the general trend that the country advocates carbon neutrality at the peak of carbon dioxide emissions. Huaxia Bank is also facing the pressure of catching up with its peers in green finance, which is also a test for Li Minji, the chairman of Huaxia Bank, who has made a cross-border transition to banking. In the 20021annual report, Li Minji said that it is necessary to speed up the construction of a national joint-stock bank with characteristics, quality and competitiveness. "Three banks" is a grand vision, but judging from the current development of Huaxia Bank, there is still a long way to go to realize this vision.

The number of complaints increased by 137.8%.

Guide customers to withdraw cash and avoid supervision.

There are indications that the management problems of Huaxia Bank are gradually emerging, which can be seen from the doubled number of complaints. However, what is more serious than the complaint is that employees of a branch of Huaxia Bank ignored supervision, induced customers to apply for personal credit loans to pay down payment, and guided customers to withdraw cash to avoid supervision.

Today, the Consumer Protection Bureau of the China Banking Regulatory Commission issued the 20021Notice on Consumer Complaints in the Banking Industry in the Second Quarter. In the second quarter disclosed by CBRC, the total number of bank complaints, credit card business and personal loan business all increased by more than 100%.

In the second quarter of 20021,the number of complaints from Huaxia Bank reached 1855, up by 137.8% year-on-year, ranking third among the stock banks, second only to China Everbright Bank and hengfeng bank. In terms of complaints about credit card business, Huaxia Bank filed 1535 complaints in the second quarter, up by 1.48% year-on-year, ranking fourth among joint-stock banks, second only to China Everbright Bank, hengfeng bank Bank and Bohai Bank. In terms of complaints about personal loan business, Huaxia Bank 198 cases increased by 102.0% year-on-year, ranking fourth among stock banks, second only to CITIC Bank, baixin bank and Bohai Bank.

The most intuitive performance of these complaints is the handling of business violations by bank employees.

It is reported that a reporter, as a customer, said that he needed to apply for a loan to pay the down payment for buying a house. The loan helper helped him contact the account manager of Huaxia Bank Beijing Branch, and the account manager recommended the "elite loan" to the reporter. According to Guan Wei of Huaxia Bank, "elite loan" is a personal credit loan product.

Regarding whether the loan can be used for the down payment of house purchase and whether the bank inquires about the use of the loan funds, the account manager of Huaxia Bank Sub-branch said: As long as the use of the loan funds is filled as "purchasing goods" when handling, users can call the reservation counter to withdraw cash one working day in advance, and the bank will not review the use of the funds. The account manager added, "The loan cannot be transferred. If it is transferred, you need to provide proof of consumption."

This can also explain that the account manager of Huaxia Bank told the customer that the loan only needs to provide the consumption voucher for transfer, and if the cash is withdrawn, the bank cannot verify it. For a long time, the supervision has explicitly prohibited bank loans from illegally flowing into the property market, and Huaxia Bank is tantamount to committing crimes against the wind.

According to the data of Huaxia Bank's 20021interim results report, as of the end of June, Huaxia Bank's real estate loans accounted for 20.86%, up 0.72 percentage points from 20. 14% at the end of 2020. Although the value is in the middle and lower reaches of second-tier banks, it has become the bank with the largest increase in the proportion of real estate loans among 4/kloc-0 listed banks in the first half of this year. In addition, the proportion of individual housing loans in the first half of the year was 13.94%, which was10.06 percentage points higher than that at the end of last year.

In terms of non-performing loans in real estate, although the amount of Huaxia Bank is relatively low, which is 256 million yuan, compared with the end of last year, the growth rate of non-performing loans in real estate is as high as 1728.57%, exceeding 17 times.

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The performance of green finance is not satisfactory.

It is really embarrassing to say the real characteristics of Huaxia Bank. But according to the bank's own formulation, green finance is the most effective.

According to the president's summary, Huaxia Bank is the first bank in China to put forward its own carbon-neutral goal, and built and continuously improved the working mechanism of green finance earlier. As early as 20 17, Huaxia Bank took promoting the characteristic business of green finance as the strategic planning focus of the whole bank. Joined the United Nations Principles for Responsible Banking (PRB) in 20 19, deepened international cooperation, and explored a unique road of innovative development of green finance.

Now it seems that this strategy is undoubtedly in line with national policies. The Fifth Plenary Session of the 19th CPC Central Committee has set the peak of carbon dioxide emission and carbon neutrality as the national strategic goals in the 14th Five-Year Plan and even in 2035. The path choice is correct, but when it becomes a national strategy, it will certainly attract the attention of other big banks. As a result, Huaxia Bank's green finance is no longer so "prominent" in comparison. Both the balance of green loans and the growth rate have been surpassed by more and more joint-stock banks such as Industrial Bank, Shanghai Pudong Development Bank and China Merchants Bank.

The interim results report of 20021Bank showed that the balance of green loans of Industrial Bank was 4 127 billion yuan, ranking first among joint-stock banks, followed by Shanghai Pudong Development Bank, China Merchants Bank and Huaxia Bank, with 272.9 billion yuan, 238.743 billion yuan and 20151200 million yuan respectively. The balance of green loans of China CITIC Bank, China Everbright Bank, Zheshang Bank, Ping An Bank and Bohai Bank in the first half of the year were 654.38+02.9 billion yuan, 654.38+06.543 8+02.7 billion yuan, 84.662 billion yuan, 36.859 billion yuan and 26.589 billion yuan respectively.

Huaxia Bank has no obvious advantage in increasing the balance of green loans. Specifically, Ping An Bank's green loan balance increased by 62.5% from the end of last year, ranking first, CITIC Bank's green loan balance increased by 55.3% from the end of last year, ranking second, and Bohai Bank's green credit balance increased by 33.74% from the end of last year, ranking third; The balance of green loans of Industrial Bank increased by 29. 19% compared with the beginning of the year, ranking fourth; China Merchants Bank's green loan balance increased by 14.46%, ranking fifth; Huaxia Bank's green loan balance increased by 1 1.92%, ranking only sixth; Secondly, the balance of green loans of China Everbright Bank increased by 8.7% compared with the beginning of the year, that of Zheshang Bank increased by 7.8 1%, and that of Shanghai Pudong Development Bank increased by 3.84%. Minsheng Bank did not disclose the relevant data of green finance.

Clearly put forward the strategy of green finance so early, why didn't Huaxia Bank win the first place in the stock market? In the final analysis, it is because of scale, and it is also a long-cherished wish of Li Minji, chairman of Huaxia Bank.

The gap between ideal and reality

Scale, net profit and asset quality are located downstream of the stock bank.

The ideal is beautiful, but the reality is very skinny.

From 2065438 to April 2007, Li Minji became the chairman of Huaxia Bank, which surprised the industry. Because of this cross-border job, Li Minji previously served as the chairman of Beijing International Trust, and earlier served as the deputy general manager of Capital Securities Co., Ltd., assistant to the general manager of Beijing International Trust, executive president of Beijing Science and Technology Venture Capital Co., Ltd., member of the Party Committee, director and deputy general manager of Beijing State-owned Assets Management Co., Ltd., without any banking experience.

Li Minji, who has served as an executive in various financial institutions such as securities, trusts and funds, and has rich experience in real economy enterprises, has been full of ambitions from trust cross-border to banks. 2065438+2008,65438+In February 2008, Li Minji made it clear in an interview with China Financier that Huaxia Bank should pursue "big and strong" and ensure "stable and excellent". However, more than four years later, Huaxia Bank is still far from this vision.

A few days ago, Huaxia Bank disclosed the 202 1 interim results report. During the reporting period, the bank's total assets were 3.51763.6 billion yuan, an increase of 3.47% over the end of last year; In terms of asset size, Huaxia Bank ranks third from the bottom, only higher than the "new students" of Zheshang Bank and Bohai Bank.

Judging from the profit index, Huaxia Bank achieved an operating income of 48 1. 1.3 billion yuan in the first half of the year, only increasing by1.2% year-on-year; The net profit attributable to shareholders of listed companies was 65.438+0.098 billion yuan, a year-on-year increase of 654.38+07.60%. The two indicators and total assets have always been the third lowest in the stock market. It is worth mentioning that Bank of Beijing and Bank of Shanghai achieved net profit of 654.38+02.583 billion yuan and 654.38+02.278 billion yuan respectively in the first half of the year, which has surpassed Huaxia Bank.

In terms of asset quality, the balance of non-performing loans of Huaxia Bank in the first half of the year was 38.478 billion yuan, an increase of 502 million yuan over the end of last year; The NPL ratio was 1.78%, which was 0.02 percentage point lower than the end of last year, and there was still pressure. The bank's mid-year report shows that due to the adjustment of industrial structure and the epidemic situation, the bank has more risks in Beijing, Tianjin and Hebei, the central and eastern regions and the northeast region, with non-performing loan ratios of 2.78%, 2.27% and 5.73% respectively. Among them, Beijing-Tianjin-Hebei regional risks are mainly concentrated in Tianjin and Hebei. Due to the influence of individual non-performing loans on large companies, the rate of non-performing loans in central, eastern and northeastern regions has increased compared with the end of last year.

In the 20021annual report, Li Minji still stated that it is necessary to speed up the construction of a national joint-stock bank with characteristics, quality and competitiveness. However, there are indications that Huaxia Bank has not yet occupied obvious advantages in terms of "characteristics", "quality" and "competitiveness". For Huaxia Bank, there is still a long time to realize this beautiful vision, but for Li Minji, who is 56 years old, it is still a big question mark whether this ideal can be realized before retirement.