Qianhai, on the crest of the field of financial innovation on two, finance is the core values of Qianhai, today by the former state assets policy research center open for your inventory of Qianhai's most valuable big financial industry license.
I. private banking licences
A year passed raise a Babel of criticism of Tencent for a private bank has finally surfaced, whether the Tencent deny or allow Tencent bank called "Bank of Qianhai", but the Tencent with the CBRC's private banking license is already decided.
Private enterprises that set up private banks will have more room for profit in the short term. Referring to the experience of opening different outlets in the bank, the newly established private banks are expected to be profitable for a year or so.
According to relevant statistics, five years after the market share of private banks will reach 5-10%, further intensified competition in the banking sector; accordingly, in the long term, the banking sector profit level will gradually to the social average level (10-15%).
Join the Qianhai country that assets of private banks, change the original pattern of vested interest groups, the cake is no longer divide up the state-owned banks, private banks although the road is not necessarily smooth, but can foresee the state-owned banks will be able to earn money lying to the end of time.
Two and third party payment licences
The third party payment license has always been the battleground, the reason for it, because the most popular vocabulary and "Internet banking" hang relationship.
The third party payment license type is specified in the central bank's "non financial institution payment service management approach" (hereinafter referred to as the "management approach"), the management measures implemented in September 2010, the first batch of third party payment license approved in May 2011. In the central bank's management measures, three categories of third party payment licenses are stipulated, namely: (1) online payment; (two) prepaid card issuance and acceptance; (three) bank card receipt.
The first batch of six national prepaid card respectively in the following six companies: Beijing hand business services network technology Co., Ltd. opened China Unicom Network Technology Co. Ltd., Yu Fu Network Technology Co., Ltd. and Bohai Yi Sheng commerce Co. Ltd. (now renamed: easy payment Company Limited), Hainan new information technology Co. Ltd. and Shenzhen Eka technology services limited. Since then, no national prepaid cards have been issued. Therefore, this batch of six prepaid cards has become a precious "out of print" resource.
Three. Financing lease licence
No financial leasing should be Qianhai's most popular license, Qianhai to build the Pearl River Delta financial leasing industry base, in 2020 Qianhai leasing companies to achieve billion scale, policy support should not be overlooked.
Qianhai state assets are considered the main reason is that financial leasing is to apply for cross-border RMB in Qianhai is a major channel. Prior to this, the rapid development of real estate, a large number of funds through banks, funds, trust into the property market. In the future, the country gradually transfers funds into the real economy, and the output of financial leasing is mainly geared to large-scale aircraft, ships, medical equipment and other substantive industries, which is in line with such an important direction of development. The next five years, financial leasing will have a larger space for development.
Four, small loan license
Where are the licences for small loans? They are popular licences, and Qianhai is no exception. Shenzhen 1 published to the small loan industry provides a number of preferential policies, indicating that the private financial industry, especially small loan industry support attitude.
In addition, the deep government [2013]56 number of small loan companies in the application of financial enterprises tax policy, further defined the nature of small loan companies, reducing the burden of small loan companies. Shenzhen finance office in February 19th issued a formal document, the proportion of small loan company financing increased from 50% of the previous registered capital to 200% of net assets.
Qianhai is the forefront of financial reform in Shenzhen, Qianhai equity trading center designed to meet the small loan industry financial products, for small loans refinancing provides more ways.
Five. Commercial factoring licence
Accounts receivable can be used to finance commercial factoring. There are accounts receivable and commercial factoring. At present, there are over 20 trillion accounts receivable in China, so we can see the value of commercial factoring licences.
In February 2014, Qianhai Bureau issued "Qianhai Shenzhen Hong Kong modern service industry cooperation zone in 2014, the reform and innovation points" referred to for the domestic commercial factoring pilot, formulated the Qianhai commercial factoring industry development policy."
To January 2014, there are only 71 commercial factoring enterprises registered in Qianhai, with a registered capital of RMB 5 billion 700 million yuan, which is estimated to bring in at least 57 billion yuan in the amount of direct financing. Qianhai commercial factoring enterprises account for 1/4 of China's total commercial factoring enterprises.
Qianhai to carry out cross-border business in Qianhai for two years, the low cost of funds in the future will be for commercial factoring industry effectively helps to increase the financing channels of small and medium-sized enterprises in Qianhai, now part of solving the difficult problem of SME financing.
Source: CDB asset policy research center, Qianhai