The Rural Banking Supervision Department of the State Administration of Finance Supervision said that it will promote the integration of agricultural credit cooperatives in the same prefecture -level city, optimize the allocation of financial resources, and carefully promote the structural reorganization of village and town banks.
According to the website of the State Administration of Finance and Supervision and Administration of China, the Department of Rural Banking Supervision of the General Administration of the General Administration of Financial Supervision on Friday (January 19) issued an entitled in -depth study and implementation of the Central Financial Work Conference to promote the high -quality development of small and medium -sized banks in rural areasColumn articles.
The article made the above statement when the article was coordinated to promote the reform of the reform of small and medium -sized banks in rural small and medium -sized banks.
The article wrote that promoting the integration of agricultural credit cooperatives in the same prefecture -level city level, further optimizing the allocation of financial resources, and improving the level of small service levels of agricultural support for financial support.The agricultural credit cooperatives that support financial support capacity to carry out market -oriented reorganization are implemented, reshape the management mechanism, broaden the living space, and enhance development momentum.Carefully promote the structural reorganization of village banks and improve the management capabilities of the main business.
The article also mentioned that we must improve the differentiated and characteristic governance mechanism, combine the latest revised company laws and regulations of the People's Republic of China, to study and improve the governance and supervision system of small and medium -sized banks in rural areas, and explore the establishment of industry characteristics and compliance with small small characteristics.The corporate governance mechanism with practical, concise and practical legal persons, focus on strengthening the supervision of shareholders' equity, strengthening balance of governance subjects, highlighting problems such as related related transactions, large loans, and loans in different places, and play a key role in the company's governance in risk prevention and control; strengthen the enhancementVillage and town banking companies govern the supervision, increase the proportion of the main issuance of the main bank, and establish a corporate governance mechanism led by the main initiative.
In terms of sounding the risk disposal mechanism, the article states that it is necessary to improve the responsibility mechanism of risk disposal responsibility with consistent power and responsibilities, incentive restraint, and compact the risk disposal responsibility of small and medium -sized banks and their major shareholders, strengthen the central land, strengthen the central landRegulatory coordination, shared the responsibilities, cooperate with the local party committee and government to promote the settlement of non -performing loans, accountability, accountability, pursuing losses, punishing corruption, and cracking down crimes;Steady resolving risks and maintaining the continuous and steady operation of small and medium -sized banks in rural areas.
As for how to improve the quality and efficiency of the supervision of small and medium -sized banks in rural areas, the Rural Banking Department stated that it will resolutely implement the requirements of supervision of the "long teeth and thorn", comprehensively implement the "dedication, dare to supervise, be good at supervision, strict accountability, accountability, accountability, accountability."The spirit of supervision, comprehensively improve the foresight, accuracy, effectiveness and synergy of supervision.
The article disclosed that as of the end of 2023, the total assets of small and medium -sized banks in rural China (RMB, the same below, about 10.4 trillion yuan), accounting for 14%of the total assets of the bank;Teny billion yuan, a loan of small and micro enterprises 17 trillion yuan, the small loan of the agricultural branch, the proportion of various loans of various loans has been maintained at about 80%for a long time, and 90%of the new loan -available funds are put in the local area.
Since 2020, small and medium -sized banks have disposed of 2.3 trillion yuan in non -performing loans, exceeding the sum of the previous six years. Large loans have decreased by five percentage points.Capital strength is significantly enhanced, and risks are generally preventable and controllable.
Xi Jinping, the General Secretary of the Communist Party of China, emphasized at the opening ceremony of "Provincial and Ministerial Leading Cadres Promoting High -quality Development of Finance" on January 16.The difference is to unswervingly follow the road of financial development with Chinese characteristics and promote the high -quality development of China's financial financial. At the same time, we must focus on preventing and resolving financial risks, especially systemic risks. Financial supervision must be "long tooth stabs", with angular and corners.
