For example, the qualification restrictions for major shareholders of small and medium-sized commercial banks are (not fully listed):
A major shareholder of a small and medium-sized commercial bank refers to a shareholder who holds or controls more than 5% (including 5%) of the shares or voting rights of the small and medium-sized commercial bank, is the top three shareholders of the bank, or is not the top three shareholders, but is determined by the regulatory authorities to have a significant impact on the small and medium-sized commercial bank.
Two. In addition to the shareholder conditions stipulated in the Measures for the Implementation of Administrative Licensing Matters of Chinese-funded Commercial Banks of China Banking Regulatory Commission, the following prudent conditions shall be adhered to in the actual audit process:
(1) There are no more than two homogeneous banking financial institutions invested by the same shareholder, and only one can be invested (or retained) if the shareholder obtains the controlling stake. It should also explain its affiliated enterprises, relations with other shareholders and participation in other financial institutions.
(2) The shareholding ratio of major shareholders, including strategic investors, generally does not exceed 20%. For some high-risk city commercial banks, the proportion can be appropriately relaxed.
(3) Require the major shareholder to issue a statement on the source of funds.
(four) require the board of directors of major shareholders to issue a formal written commitment:
First, promise not to seek related party transactions superior to other shareholders, and issue a statement on bank loans and loan quality (confirmed by the bank).
The second is to promise not to interfere in the daily business of banks.
Third, promise not to transfer the shares held by the Bank within five years from the date of delivery of the shares, and specify it in the articles of association or agreement of the Bank; The transfer of expired shares and the transferee's shareholder qualification shall be subject to the consent of the regulatory authorities.
Fourth, as the main source of capital for holding banks, they should promise to continuously replenish their capital.
The fifth is to promise not to put undue pressure on banks.