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| Notice of the General Office of the China Banking Regulatory Commission on Banks' Effective Provision of Financial Services for Agriculture, Rural Areas, and Farmers and Poverty Alleviation in 2018 | | 中国银监会办公厅关于做好2018年银行业三农和扶贫金融服务工作的通知 |
| (No. 46 [2018] of the General Office of the China Banking Regulatory Commission) | | （银监办发[2018]46号） |
| All local offices of the China Banking Regulatory Commission ("CBRC"); all policy banks, large-sized banks, and joint-stock banks; and postal savings banks: | | 各银监局，各政策性银行、大型银行、股份制银行，邮储银行： |
| For the purposes of implementing the spirit of the Opinions of the CPC Central Committee and the State Council on Implementing the Rural Revitalization Strategy (No. 1 [2018], CPC Central Committee), you are hereby notified of banks' effective provision of financial services for agriculture, rural areas, and farmers ("rural affairs") and poverty alleviation in 2018: | | 为贯彻落实《中共中央 国务院关于实施乡村振兴战略的意见》（中发〔2018〕1号）精神，现就银行业做好2018年三农和扶贫金融服务工作通知如下： |
| I. Unifying thought and recognition and practically improving the capabilities of serving rural revitalization | | 一、统一思想认识，切实提升服务乡村振兴能力 |
| The regulatory authorities and banking financial institutions at all levels shall comprehensively implement the spirit of the 19th CPC National Congress, follow the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics in a New Era, implement the arrangements and requirements of the Central Economic Work Conference, the Central Rural Work Conference, and the National Financial Work Conference, and better meet the diversified financial needs of rural revitalization by greater determination, more specific goals, and more forceful measures. The keynote of seeking progress while keeping performance stable shall be adhered to, rural areas shall be the priority of inclusive finance, the implementation of the rural revitalization strategy shall be taken as the general foothold of the financial services for rural affairs, rural households, new agricultural operating entities, registered poverty-stricken households, and regions in extreme poverty shall be focused, the strength of grass-roots party organizations shall be given full play, the rural financial system shall be further improved, financial resources shall be preferentially allocated , and it shall be striven to achieve the continuous growth of agriculture -related loans, the higher growth rate of loans to new agricultural operating entities and for precision poverty alleviation than various loans, and the further extension of the coverage of basic financial services. | | 各级监管部门和银行业金融机构要全面贯彻党的十九大精神，以习近平新时代中国特色社会主义思想为指导，落实中央经济工作会议、中央农村工作会议和全国金融工作会议部署要求，以更大的决心、更明确的目标、更有力的举措，更好满足乡村振兴多样化金融需求。坚持稳中求进总基调，把普惠金融重点放在乡村，以实施乡村振兴战略为三农金融服务工作总抓手，聚焦农户、新型农业经营主体、建档立卡贫困户和深度贫困地区，充分发挥基层党组织力量，进一步健全农村金融体系，加大金融资源倾斜力度，力争全年涉农贷款持续增长、新型农业经营主体贷款和精准扶贫贷款增速高于各项贷款增速、基础金融服务覆盖面进一步扩大。 |
| II. Returning to the mission, specifying the orientation, and joining forces for financial services for rural affairs | | 二、回归本源，明确定位，形成三农金融服务合力 |
| Banking financial institutions shall return to their mission of serving the real economy, adhere to their orientations, deeply advance the building of professional systems and mechanisms for financial services for rural affairs and poverty alleviation, and build up a distinctive and complementary rural financial service system. | | 银行业金融机构要回归服务实体经济的本源，坚守定位，深入推进三农和扶贫金融服务专业化体制机制建设，形成各具特色、相互补充的农村金融服务体系。 |
| Policy banks shall focus on policy business fields to enhance medium and long-term credit support for rural revitalization. Development banks shall strengthen the medium and long-term credit extensions in agricultural and rural infrastructure and other aspects. Agricultural development banks shall continue to intensify the support for entry and purchase by diversified grain market participants, major water conservancy projects, building of high-standard farmland, and other fields. Development banks and agricultural development banks shall give play to the role of poverty alleviation business divisions, refine the working mechanism of separately preparing credit plans, separately allocating human resources and financial resources, separately determining clients and reviewing credit, and separately keeping accounts in financial poverty alleviation, and give priority to ensuring the scale of poverty alleviation credit. Export and import banks shall support agricultural products, enterprises, and capacity in "heading overseas." | | 政策性银行要专注政策性业务领域，加大对乡村振兴的中长期信贷支持。开发银行要加大对农业农村基础设施等方面的中长期信贷投放。农发行要继续加大对粮食多元化市场主体入市收购、重大水利工程、高标准农田建设等领域的支持力度。开发银行、农发行要发挥扶贫金融事业部作用，完善金融扶贫“四单”工作机制，优先保障扶贫信贷规模。进出口银行要支持农业产品、企业、产能“走出去”。 |
| Medium and large-sized banks shall promote the implementation of inclusive financial business divisions, establish and improve a special comprehensive service mechanism, a special statistics and accounting mechanism, a special risk management mechanism, and a special resource allocation mechanism, and, on the premise of controllable risks, reasonably delegate approval power and simplify business process, so as to raise service efficiency. Agricultural banks shall maximize the advantages of rural affairs financial business divisions in systems and mechanisms to reinforce the support of rural revitalization. Postal savings banks shall continue to improve the operating mechanisms of rural affairs financial business divisions, enhance the capabilities of credit services of municipal and county branch offices, straighten out the classifications of rural affairs business, and raise the proportions of rural affairs business. | | 大中型银行要推动普惠金融事业部落地见效，建立和完善“五个专门”经营机制，在风险可控的前提下，合理下放审批权限、简化业务流程，提高服务效率。农业银行要充分发挥三农金融事业部体制机制优势，加大对乡村振兴的支持力度。邮储银行要继续完善三农金融事业部运作机制，提升市、县分支机构信贷服务能力，厘清三农业务分类，提高三农业务比重。 |
| Urban commercial banks and private banks shall, based on their market orientations, advantages, and capabilities, explore the establishment of a special mechanism of rural affairs financial services so as to serve local economy and urban and rural residents by providing characteristic and differentiated rural affairs and poverty alleviation financial services. | | 城商行、民营银行要结合市场定位、机构优势和自身能力，探索建立三农金融服务专门机制，服务地方经济和城乡居民，提供特色化、差异化的三农和扶贫金融服务。 |
| Small and medium-sized rural financial institutions shall return to their mission and effectively play its role as the major force to support rural revitalization. The strategic orientation of supporting rural affairs and small-sized entities shall be adhered to, advantages in locations, connections, and networks shall be effectively used, according to the requirements of independent operations, self-management, focusing on lower level, and raising efficiency, the establishment of a corporate governance mechanism oriented to rural affairs and serving counties shall be accelerated, and the establishment of rural affairs committees under boards of directors and other work shall be promoted. The reform of provincial unions of rural credit cooperatives shall be advanced, and the county-level legal personalities and total quantity of rural credit cooperatives shall maintain stable. The access policies for village banks shall be improved, and the pilot program of investment management village banks and "cross-county" village banks shall be conducted. | | 农村中小金融机构要回归本源，发挥好支持乡村振兴的主力军作用。坚守支农支小战略定位，发挥好地缘、人缘和网络优势，按照自主经营、自我管理、重心下移、提高效率的要求，加快建立定位三农、服务县域的公司治理机制，推动董事会下设三农委员会等工作。推进农村信用社省联社改革，保持农村信用社县域法人地位和数量总体稳定。完善村镇银行准入政策，开展投资管理型村镇银行和“多县一行”制村镇银行试点。 |
| III. Serving key fields and supporting the improvement of the quality and efficiency of agricultural development | | 三、服务重点领域，支持农业发展提质增效 |
| Banking financial institutions shall closely center on supporting the agricultural supply-side structural reform, contribute to agricultural modernization, and support green development. Rural affair-related loans shall preferentially support the development of agricultural production. National grain security shall be guaranteed, the quality of agricultural products shall be improved, the industrial structure of the agricultural products shall be optimized, the credit support for key and leading enterprises in the development of the grain industry and agricultural industrialization shall be reasonably intensified, the support for the processing industry of agricultural products shall be taken as a priority of boosting the deep integration of the primary, secondary, and tertiary industries in rural areas, and boosting the dairy industry shall be set as an priority to support the structural adjustment of animal husbandry. The financial support for enterprises participating in ecological repairs shall be heightened. Agricultural mechanization and the transformation and upgrading of the agricultural machinery shall be supported. Production of scale and intensive operations in agriculture shall be vigorously supported, and new agricultural operating entities of different kinds and scales shall be provided with differentiated financing proposals. The credit support for persons returning or flowing to rural areas to seek work and create businesses shall be strengthened, and industries and projects able to drive rural labors to relocate for employment and entrepreneurship and drive migrant rural workers to become urban residents shall be supported. The deep integration of rural areas and agriculture with tourism, culture, rehabilitation, elderly care, sports, and other industries shall be boosted. The revival of traditional work crafts shall be supported. The credit support and financial services for rural e-commerce shall be increased. | | 银行业金融机构要紧紧围绕支持农业供给侧结构性改革，助力农业现代化，支持绿色发展。涉农贷款要优先支持发展农业生产。保障国家粮食安全、提升农产品质量、优化农产品产业结构，合理加大对粮食产业发展和农业产业化重点龙头企业的信贷支持，将支持农产品加工业作为促进农村一二三产业深度融合的着力点，将提振奶业作为支持畜牧业结构调整的重点。加大对参与生态修复企业的金融支持。支持农业机械化和农机装备产业转型升级。大力支持农业规模化生产和集约化经营，为不同类型和规模的新型农业经营主体提供差别化融资方案。加大返乡下乡人员就业创业的信贷支持力度，对能够带动农村劳动力转移就业创业、农民工市民化的产业和项目着力予以支持。推进农村、农业与旅游、文化、康体、养老、体育等产业深度融合。支持传统工艺振兴。加大对农村电商的信贷支持和金融服务。 |
| New credit extensions to high energy-consuming enterprises, enterprises with high leverage ratios, industries with excess capacity, the financing platforms of local governments, real estate, and other fields shall be restricted, and "down payment loans," weddings and funerals, and loans for other uses may not be granted to rural households. | | 限制对资源消耗高企业、负债率高企业、产能严重过剩行业、地方政府融资平台和房地产等领域的新增信贷投放，不得向农户发放“首付贷”、婚丧嫁娶等用途的贷款。 |
| IV. Innovating on product services and satisfying the diversified financial needs of rural affairs | | 四、创新产品服务，满足多样化三农金融需求 |
Banking financial institutions shall, based on the needs of rural affairs, adhere to a market-oriented approach, grasp national policies, and exploit modern science and technology, and continue developing diversified and distinctive financial products for rural affairs. First, products of mortgage loans and pledge loans shall continue to be innovated on, financing business such as mortgage of the factories, machines, and equipment of enterprises, and pledge of deposit certificates and accounts receivable shall be carried on, and secured loan business and innovative loan business such as right to charge and franchise rights shall be explored and carried on in the field of infrastructure construction. The pilot program of mortgage loans on management right of rural contracted land, farmers' housing property rights, and right to use collective commercial construction land shall be actively and steadily promoted, and business coverage shall be expanded in regions suitable for mortgage loans on forest rights. Second, small loan products directed to various entities shall continue to be developed, based on the seasonal characteristics of agricultural production, production cycles of borrowing projects, and comprehensive repayment capabilities, among others, the term of rural small loans shall be flexibly determined, and "credit extension for one time, borrowing and repayment at any time, and being reused" shall be promoted, so as to change the traditional practices of "lending in spring, collecting repayment in autumn, and no lending in winter" and no loan carry-over for the next year. Third, the mode of supply chain financial services shall be designed based on the characteristics of rural affairs-related micro and small-sized enterprises and financing demand, and the measures for the services of finance lease of large agricultural implements and agricultural production facilities and processing equipment shall be further improved. Fourth, technological means shall be innovated on, and the Internet, big data, cloud computing, mobile telecommunications, and other modern technology shall be leveraged to enhance the capabilities of acquiring and analyzing client information, extend the reaches of services, cut service costs, and raise service efficiency.
．．．．．． | | 银行业金融机构要立足三农需要、坚持市场导向、把握国家政策、利用现代科技，不断开发多元化、有特色的三农金融产品。一是不断创新抵质押贷款产品，开展企业厂房、机器设备抵押和存单、应收账款质押等融资业务，在基础设施建设领域探索开展收费权、特许经营权等担保创新类贷款业务。积极稳妥推进农村承包土地经营权、农民住房财产权、集体经营性建设用地使用权抵押贷款试点，在适合开展林权抵押贷款的地区扩大业务覆盖面。二是继续开发针对不同主体的小额贷款产品，根据当地农业生产的季节特点、贷款项目生产周期和综合还款能力等，灵活确定农村小额贷款期限，推广“一次授信、随借随还、循环使用”，改变“春放秋收冬不贷”和贷款不跨年的传统做法。三是针对涉农小微企业特点和融资需求设计产业链金融服务模式，进一步完善大型农机具、农业生产设施和加工设备融资租赁服务措施。四是创新技术手段，充分利用互联网、大数据、云计算、移动通信等现代技术，强化客户信息获取和分析能力，扩大服务半径，降低服务成本，提升服务效率。
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