Mei Bang Plans To Build Huarui Bank Clothing Industry Profits Under Pressure

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Xiaobian of the network to introduce the United States and the United States to build Huarui bank, clothing industry profits under pressure.

Before that, the news that "Yao Yao group and Fosun Group broke up, and joined the US bond [7.06% Fund Research Report" finally settled down.

Recently, the US bond clothing announcement said that the company intends to be one of the two main sponsors to participate in the launching of the first batch of private banks in Shanghai, "Huarui bank Limited by Share Ltd". The proposed amount of investment will not exceed RMB 750 million yuan.

Apparel industry banking hot

The news about Yao Yao's holding up the United States is actually coming out in the middle of 8. In the last ten days of the month, it was reported that "Yao Yao" and "fossing star" broke up. "Fuxing" quit and Shanghai Yao Hua Investment Co., Ltd., which is also the controlling shareholder of the state garments, is the chief controller of Zhou Chengjian.

It is reported that Wang Junjin, vice chairman and President Wang Junhao of the Jun Yao group, is a Cangnan native in Wenzhou, and the United States and costumes also started in Wenzhou.

For this supplement of Fosun, Mei Bang dress in the announcement is not not clear why to enter private banks.

Yang Dayun, senior strategist in garment industry and President of U T A Fashion Management Group, told reporters in Nandu that she was not the first clothing company to enter the banking field.

"YOUNGOR [-2.02% Fund Research Report", Shan Shan and so on have all entered the banking field.

Yang said.

The investment in the banking sector has made YOUNGOR profitable.

In the first half of 2014, YOUNGOR realized revenue of 7 billion 580 million yuan, down 5.2% compared with the same period last year. Net profit attributable to listed companies was 1 billion 830 million yuan, up 90.5% over the same period last year.

Because of its investment in Ningbo bank [-0.51% Capital Research Report] the rights and interests are included in the consolidated financial statements, and the net profit of investment has increased significantly.

In the first quarter of 2014, the investment business achieved a net profit of 870 million yuan, of which Ningbo bank contributed 800 million yuan, accounting for 92%.

As for Smith Barney's entry into the private banking sector, Yang Dayun pointed out that

Now it is in a period of rapid development. As an entrepreneur, it is normal to choose an area with opportunities for business development without giving up the main business.

According to the 2014 China Daily published in the United States, the total operating income of 1-6 yuan was 2 billion 994 million yuan, down 19.9% compared with the same period last year. Net profit was 179 million yuan, down 19.61% from the same period last year.

Although the performance has been under great pressure, the 750 million is not too much pressure on the current flow of American Apparel.

As of June 30, 2014, the amount of money in its account was 1 billion 238 million yuan.

Future competitiveness

Since last year, the climax of the establishment of private banks has been lifted across the country. However, as of the two sessions this year, the list of the first batch of private banks officially announced by the CBRC was only 5, and only 3 were officially approved.

Due to the withdrawal of Fosun, the Shanghai Huarui bank, which was brewing, failed to be selected as the pilot project for the first batch of private banks.

For most of the private capital who aspire to start a bank, the high performance returns of the banking industry and the possible financial support for industry are the two most attractive source of investment power [-5.44% Fund Research Report.

"In addition to high ROE, the possession of a bank license which symbolizes financing rights is another potential value of private enterprises participating in private banks."

A banking analyst with a large brokerage firm in Shanghai yesterday told reporters in Nandu that shareholders of banks could increase their business leverage by lending loans through related pactions and borrowing financial resources from banks.

But the potential high returns also have various uncertainties.

"Because our country has not yet established a deposit insurance system, for private banks, regulatory requirements are guaranteed by the sponsors' commitment risks, which greatly improves the operating costs of private banks."

"In addition, because private banks are designated as regional banks, they can no longer cross the province to open online stores, and their competitiveness is still limited, which has little impact on the existing banking structure," said a banking analyst at a Guangzhou based brokerage company.

"From the current approved private banking program, they are all differentiated by regulatory requirements and are in line with the direction of economic restructuring and policy support."

The above banking analysts said, "this represents a limited licence only for private banks, and the business scope is strictly restricted compared with existing large banks."

In her view, it is not only very difficult to hold shares or even hold an existing commercial bank through the two tier market, but also to achieve the purpose of private capital controlling the bank licence for its own service.

In addition to all these restrictions, commercial banks must implement a set of basically consistent regulatory rules, regardless of their size, from institutional setup, risk control system to executive appointment, and so on.

"Not to mention anything else, just the data and materials required by regulatory requirements, as well as high frequency on-site or off-site inspections, are unthinkable by non-financial institutions."

The head of a newly established regional bank in Guangdong has suffered a lot. "The bank has been established for more than 2 years. The major shareholder has not only had a loan business in the bank, but even a deposit."

Nandu reporter Li Heming Huang Lichang

But the potential high returns also have various uncertainties.

"Because our country has not yet established a deposit insurance system, for private banks, regulatory requirements are guaranteed by the sponsors' commitment risks, which greatly improves the operating costs of private banks."

"In addition, because private banks are designated as regional banks, they can no longer cross provincial outlets across the country, and their competitiveness is still limited, which has little impact on the existing banking structure," said a banking analyst at a Guangzhou based brokerage company.