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武汉众邦银行被接管,汉口银行承接全部业务

  • 2026-08-27 18:17:02
武汉众邦银行被接管,汉口银行承接全部业务
朱哥讲金融获悉，7月3日，国家金融监督管理总局与湖北省人民政府联合发布公告，因武汉众邦银行出现严重信用风险，正式对该行实施接管，接管期限1年，自2026年7月3日至2027年7月2日。
接管组全面接管经营管理权，原股东会、董事会、监事会停止履职；后续由汉口银行承接该行资产、负债、业务与人员，存量业务正常办理，存款权益分级保障落地 。

1️⃣ 接管组织
接管组由湖北省地方金融管理局、武汉市政府牵头，联合金融监管总局湖北监管局、人民银行湖北省分行、存款保险基金公司共同组建，全权负责银行经营管理与风险处置工作 。

2️⃣ 治理架构冻结
自接管当日起，众邦银行股东大会、董事会、监事会全部停止履职，所有经营决策、人事管理、资产处置权限统一移交接管组。

3️⃣ 业务承接主体
在监管与地方政府共同监督下，汉口银行作为承接方，将分步平移众邦银行全部资产、负债、客户业务及在岗人员。
系统切换完成前，线上APP、线下网点保持正常运营，转账、开户、结算等业务不受中断 。

接管组同步公布债权保障细则，严格区分个人存款、对公存量负债与新增业务：

1. 个人储蓄存款：
本息100%全额保障，存取款不受限制 ；

2. 存量对公存款、同业负债：
5000万元（含）以内本息全额兑付；单笔超过5000万元部分完成债权登记，超额部分按照处置方案分步清偿，未受偿债权可依法参与资产清算分配；同一客户多笔债权合并合并统计额度；

3. 接管后新增存款、同业往来负债：
本息全额兜底，无额度限制，机构可正常开展新增结算业务 。

朱哥讲金融认为，对民营互联网银行行业而言，此事件再次强化监管底线：线上负债扩张、同业业务、信贷集中度将迎来更严格穿透式监管。
温馨提示：资讯来自人行官网或网络公开内容，由编辑Lily汇总整理，不代表朱哥讲金融立场和建议，若有涉及侵权内容，请联系删除。
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0.057824s