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China Banking Regulatory Commission will issue the "Notice on Promoting Village Banks' Persistence in Positioning and Improving the Strategic Capability of Serving Rural Rejuvenation"

来源: 证券日报 2019-12-27 09: 41: 08Source: Securities Daily

On December 26, the reporter of the Securities Daily learned from the CBRC that in order to promote village and township banks to better adhere to the small agricultural and agricultural market positioning, focus on the main business of credit, and effectively enhance the ability to serve the rural revitalization strategy, the CBRC recently released "Notice on Promoting Village Banks' Persistence in Positioning and Improving the Strategic Capability of Serving Rural Rejuvenation" ("Notice").

Village and town banks are important corporate banking institutions in counties in China. Since the start of the cultivation pilot project in 2006, after 13 years of cultivation and development, the village and township bank has become the "small bank" with the largest number of institutions, the smallest single unit, the most basic customer service, and the most prominent small features of agricultural and agricultural support. The financial institution system, financial services to the “agriculture, rural areas and farmers” and small and micro enterprises have played an irreplaceable and positive role.

The first is to improve China's multi-layered, widely-covered and differentiated financial organization system, and to activate the rural financial market; the second is to focus on the main credit business, and the loans are mainly directed to county-level farmers and small and micro-enterprises; the third is the overall stable operation and overall risk level Controllable; Fourth, the main sponsoring bank has played an obvious role in intensive management and services, providing strong support for individual village banks. However, in the process of cultivation and development, due to various factors, a small number of village and township banks have shown a tendency to deviate from the small agricultural and agricultural support market in their business development.

The China Banking Regulatory Commission has focused on these new situations, new situations, and new issues in the process of nurturing and developing village and township banks, and formulated and issued a Notice. The "Notice" pointed out that the support for agriculture and rural areas is the cultivation goal and market positioning of village and town banks. The "Notice" requires that village and town banks must always take root in the county, focus on the main business of credit, effectively improve the adaptability and ability of financial services in rural rejuvenation, establish and improve a governance mechanism that meets its own characteristics, and do a good job of risk prevention and control. In addition, the "Notice" also requires the active and effective promotion of the role of the main sponsor and the optimization of the cultivation and development of rural banks.

"Securities Daily" reporter noted that the "Notice" requires strengthened regulatory incentives to adhere to its positioning. For institutions that deviate from the small positioning of agricultural support, the local supervisory department shall promptly conduct supervisory interviews and report prompts to urge rectification within a time limit; institutions that have significant risks and severely deviate from positioning shall adopt restrictions on market access in accordance with relevant laws and regulations, Supervisory measures such as suspension of related businesses and ordering adjustment of senior management personnel. Institutions that are in good compliance with monitoring indicators will give priority to market access and business development. For the founding banks that have established a well-positioned village and township bank, they will give priority to supporting the subsequent establishment of village and town banks; if they meet the requirements, they will give priority to the establishment of investment-managed village banks and "multi-county and one-party" village and town banks. (Reporter Zhang Ye)

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