Individuals are in urgent need of money. The platform "sells" bank stocks. Buyers and sellers "bargain" and negotiate prices

Xianyu platform openly sells bank stocks and dare to buy it?

　　The "Xianyu" platform that everyone uses to transfer idle second-hand supplies can even buy bank shares.

On June 15th, a reporter from Beijing Youth Daily searched for the word "stock gold" on "Xianyu" and found that the equity of dozens of rural commercial banks or rural credit cooperatives in Shandong, Jiangxi, Guangdong and other provinces appeared on the platform .

These sellers all claim to be natural-person shareholders of the institution, because they can only "sell" the shares they hold because they are in urgent need of money, and the buyers and sellers can also "bargain" and negotiate prices.

　　survey

　　Many rural commercial banks’ original shares of idle fish were "hailed"

　　"Using money to sell 200,000 shares, the original price was 1.5 yuan per share, now 1.3 yuan per share. Most people can't buy it." "Transfer 300,000 bank shares. If you are interested, click'I want' and chat with me privately." "The transfer of 1 million shares of natural person shares at a low price can be split"... In most people's understanding, bank equity transfers are mostly transfers between enterprises or judicial auctions, and transfers of shares between natural persons are rare. .

However, a reporter from the Beijing Youth Daily found that on the "Xianyu" second-hand platform trading website, many natural person shareholders are selling their own bank equity.

　　Most of these banks are mainly rural commercial banks and rural credit cooperatives, covering Shandong, Guangdong, Hebei, Zhejiang, Shanxi, Jiangxi, Anhui, Gansu and other provinces. Among them, Shandong is the majority, and there are dozens of them in rough statistics.

For example, Liaocheng Rural Commercial Bank, Runchang Rural Commercial Bank, Xinxian Rural Commercial Bank in Liaocheng, Shandong; Tai'an Rural Commercial Bank in Tai'an, etc.

　　From the transaction information released by the seller, the number of bank shares sold varies, ranging from a few thousand shares to as many as a million shares; the unit price per share does not exceed 2 yuan, and the asking price per share for a few exceeds 6 yuan; the total amount Generally, it is more than 100,000 yuan, and millions of yuan are also everywhere.

Sellers generally also post privacy-treated stock photos, and also specifically indicate "If you are interested, please chat privately" or "contact by phone."

　　Can such equity be broken up and sold separately?

A reporter from Beijing Youth Daily contacted four sellers at random.

They can transfer up to 350,000 shares, and three of them have stated that they will be sold in a package and cannot be broken up for retail; only one seller said that they can be broken up, but at least 100,000 shares will be sold.

The four sellers all stated that they are natural-person shareholders of the Rural Commercial Bank, originally purchased at 1 yuan per share of original shares, and the longest holdings have been close to 10 years.

　　Of course, sellers with more shares are more likely to break up and sell.

For example, some sellers directly claimed on the product page that "1 million shares of natural person shares can be transferred at a low price, and they can be split. Messages of interest."

　　How to transfer these shares after the transaction?

The seller said that the agreement needs to be signed in person, and the buyer has to go to the local bank to complete the formalities.

They also guarantee that this kind of natural person's equity transfer is "definitely legal, or the bank will not transfer the account."

　　Follow up

　　Relying on dividends to attract buyers, bank listing prospects are unpredictable

　　A reporter from the Beijing Youth Daily noted that many sellers indicated their dividends on the product homepage, attracting buyers with attractively high dividends.

　　For example, a Guangdong seller transferred 67,650 shares of Taishan Rural Commercial Bank in Guangdong Province at an asking price of 350,000 yuan, or 5.17 yuan per share.

The seller stated that "the dividend per share after tax exceeded 16%. Last year there was one free ten shares, and this year five free ten shares."

　　A Shandong seller transferred more than 200,000 shares of Yinan Credit Cooperative’s shares at 1.4 yuan per share. He stated that he “divided 8% per year”. He also posted the dividend announcement of Yinan Rural Commercial Bank for 2020. The dividend ratio shown in the announcement was indeed Cash dividend is 8%, but 20% personal income tax must be paid.

　　However, a reporter from the Beijing Youth Daily found during the investigation that some rural commercial banks or credit cooperatives that had a high percentage of dividends in the past few years have experienced continuous reductions in dividends or even no dividends.

A seller in the western region is transferring his 495,000 shares of a rural commercial bank. He said frankly, "The bank has recorded 20%, 10%, and 6% dividends in previous years, and there will be no dividends in 2020."

　　Over the years, inspired by the story of "making wealth" in the capital market, many investors have been particularly fond of original stocks before listing.

Therefore, some sellers have firmly grasped this psychological propaganda, and some sellers answered honestly: "It depends on luck, and there is no guarantee."

　　A seller contacted by a reporter from the Beijing Youth Daily stated that he bought the original shares at a price of 1 yuan per share. Now he is in urgent need of money, so he wants to sell the equity at 1.6 yuan per share. “The price is my own. Yes, it can be discussed. After you take over, you can also resell it to others."

　　The seller has held this equity for nearly 10 years, and the annual dividend ratio is 5%-8%. If it is really transferred at a price of 1.6 yuan, the 10-year yield has exceeded 120%.

Will this rural commercial bank have such a good dividend in the future?

When can it be listed?

To these two questions, the seller answered cautiously: "It's hard to say, it depends on luck."

　　A reporter from the Beijing Youth Daily found that many banks that appeared on the Xianyu platform did not appear on the A-share IPO waiting list, or even started IPO counselling.

Past cases have shown that the path for small banks to go public is not simple, ranging from a few years to more than ten years, and there are many twists and turns in the process.

　　For example, Dongguan Rural Commercial Bank has had a listing plan since 2012. The bank submitted two listing applications on the Hong Kong Stock Exchange on June 28, 2020 and April 20, 2021. After nearly ten years, it is still On the way to IPO.

　　attention

　　Online banking equity transfer is risky

　　A reporter from the Beiqing Daily found that although there are many sellers who "sell" shares of rural commercial banks on the Xianyu platform, their popularity is generally deserted, with only more than 100 page views. Potential customers who click "I want" private chat are basically single digits. .

　　At the same time, on the auction platform, the vast majority of online auctions are also unlisted rural commercial banks and rural banks. The phenomenon of frequent auctions and "fractures" of the shares and still unsold auctions has long been commonplace.

According to incomplete statistics, on May 31 alone, there were 5 banks' equity shares on the Alibaba judicial auction platform.

　　Industry insiders pointed out that the unsuccessful auction or poor transfer of equity in small and medium-sized banks is largely related to their own operating risks.

After experiencing rapid development, the financial risks of some small and medium-sized banks have gradually been exposed, and problems such as rising non-performing loans, declining provision coverage, and insufficient capital have frequently caused some companies and individuals to give up investing in them.

　　Industry insiders suggest that relevant parties can build a special equity trading system or circulation platform to facilitate banks; if conditions permit, banks can also consider establishing employee incentive mechanisms or equity repurchase methods to recover their own equity in the market downturn , To reduce the holdings when the boom is good, to form the possibility of market value management operations, which may be of some help to the bank’s equity governance.

　　RAM

　　Buying "equity" without doing your homework may suffer

　　You can buy the original stock of the bank by shopping on Xianyu. It seems to be a bargain, but is that really the case?

　　A reporter from the Beiqing Daily found that these shares did not go through public auction pricing or exchange bidding processes, but the sellers asked for their own prices.

Although buyers and sellers can also negotiate and negotiate prices, if the buyer is not very familiar with the banking situation involved and does not understand the development prospects of the banking industry, it is easy to just listen to the seller’s unilateral "call", not only may pay high prices, or even May take over a "hot potato".

　　Comparing Xianyu's second-hand platform and Ali's judicial auction platform, it can be found that the price given by natural person shareholders on the Xianyu's second-hand platform is often higher than that of the judicial auction platform.

　　Take the Guangdong Taishan Rural Commercial Bank mentioned above as an example. The seller asked for a price equivalent to 5.17 yuan per share, but facts have proved that the natural stock market of the rural commercial bank is not the case.

A reporter from Beiqing Daily saw on the Ali auction platform that on June 6 this year, 48,000 shares of Taishan Rural Commercial Bank were sold at a total price of 223,800 yuan, or about 4.66 yuan per share.

On April 25, the starting price of 49,500 natural person shares of the rural commercial bank was 232,000 yuan, or 4.69 yuan per share. There was no record of a single bid, and the auction passed directly.

　　For another example, on April 29 this year, an equity of 176,900 shares of Shandong Zhucheng Rural Commercial Bank was sold on the Taobao judicial auction platform. The starting price was 223,600, or about 1.26 yuan per share, and the court’s assessed unit price was 1.58 yuan.

No one cares about this part of the equity in the one-day bidding cycle.

On May 19, a total of 273,873 natural person shares of Zhucheng Rural Commercial Bank were sold on the Ali auction platform. The starting price was 425,000, or about 1.55 yuan per share, and there was no record of a single bid.

However, a reporter from the Beijing Youth Daily found that someone on the Xianyu platform was selling 219,000 shares of Zhucheng Rural Commercial Bank at a price of 1.85 yuan per share.

　　Industry insiders pointed out that this type of platform transaction uses bilateral bargaining, and theoretically there is no fraud, but most natural-person buyers do not have the means to inquire. If the information disclosure is not transparent, it will have some impact on the pricing of equity.

In addition, such transactions are relatively small and fragmented, and unified supervision is not yet mature. Buyers need to have professional insight and analytical capabilities.

　　Text/Reporter Cheng Jie Co-ordinated by Yu Meiying