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| Guiding Opinions of the All-China Federation of Supply and Marketing Cooperatives on Well-regulated Development of the Financial Services of Supply and Marketing Cooperatives | | 中华全国供销合作总社关于规范发展供销合作社金融服务的指导意见 |
| (January 2019) | | （2019年1月） |
| Supply and marketing cooperatives of all provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning, and Xinjiang Production and Construction Corps: | | 各省、自治区、直辖市及计划单列市、新疆生产建设兵团供销合作社： |
| For the purposes of thoroughly implementing the spirit of the Decision of the CPC Central Committee and the State Council on Deepening the Comprehensive Reform of Supply and Marketing Cooperatives (No. 11 [2015], CPC Central Committee, hereinafter referred to as the "Document 11"), further deepening the comprehensive reform of supply and marketing cooperatives, preventing financial risks, and promoting the well-regulated development of financial services in the system, the following opinions are hereby offered according to the general requirements of the Party and the state for financial work. | | 为深入贯彻落实《中共中央国务院关于深化供销合作社综合改革的决定》（中发〔2015〕11号，以下简称中发11号文件）精神，进一步深化供销合作社综合改革，防范金融风险，促进系统金融服务规范发展，根据党和国家对金融工作的总体要求及系统实际，提出以下意见。 |
| I. Fully understanding the significance of the well-regulated development of financial services | | 一、充分认识规范发展金融服务的重要意义 |
| In recent years, supply and marketing cooperatives in all regions have conscientiously implemented the spirit of the Document 11, vigorously cooperated with various financial institutions, provided financial services such as credit cooperation, financing guarantees, and insurance agencies, and played a positive role in solving the "last mile problem" in financial benefits for farmers, facilitating agricultural and rural economic development, the increase in farmers' income, and precision poverty alleviation, and other aspects. Nevertheless, it shall be clearly understood that the financial services of supply and marketing cooperatives are in their infancy and face problems such as lagging system construction, extensive operation and management, uneven regional development, holistically weak service functions, and a lack of effective regulation, and especially the problems of some local credit cooperation organizations such as irregular establishment registration, unsound internal management systems, unsound risk management and control mechanisms, and inadequate regulation are prominent, which carry relatively high risks and hidden dangers and urgently require regulation and direction to be strengthened. | | 近年来，各地供销合作社认真贯彻中发11号文件精神，积极与各类金融机构合作，开展信用合作、融资担保、保险代理等金融服务，在打通金融惠农“最后一公里”，助推农业农村经济发展、农民增收致富、精准脱贫等方面发挥了积极作用。但也要清醒地认识到，供销合作社金融服务处于起步阶段，还面临着制度建设滞后、经营管理粗放、地区间发展不平衡、服务功能整体偏弱、有效监管缺失等问题，特别是一些地方信用合作组织设立登记不规范、内部管理制度不完善、风险管控机制不健全、监管不到位等问题突出，存在较大风险隐患，亟需加强规范引导。 |
| The well-regulated development of financial services of supply and marketing cooperatives and preventing financial risks are required by deepening the comprehensive reform of supply and marketing cooperatives, advancing integrated cooperation in production, supply and marketing, and credit, improving the capability and strength of agricultural services, solving the problem of insufficient effective supply of rural financial services, promoting rural revitalization, effectively accomplishing the "three major uphill tasks," safeguarding national financial security, and achieving long-term stability. Supply and marketing cooperatives at all levels shall effectively improve their political awareness, further enhance their understanding of the importance of financial security and stability, put voluntary prevention and elimination of financial risks in a more important position, effectively identify and eliminate risks in a timely manner, and promote the well-regulated and orderly development of financial services of supply and marketing cooperatives. | | 规范发展供销合作社金融服务、防范金融风险，是深化供销合作社综合改革，推进生产、供销、信用三位一体综合合作，提高为农服务能力和实力的需要，是破解农村金融服务有效供给不足、促进乡村振兴的需要，是打好“三大攻坚战”、维护国家金融安全、实现长治久安的需要。各级供销合作社要切实提高政治站位，进一步增强对金融安全稳定重要性的认识，把主动防范化解金融风险放在更加重要的位置，及时有效识别和化解风险，推动供销合作社金融服务规范、有序发展。 |
| II. Guiding ideology and general principles | | 二、指导思想和总体原则 |
| 1. Guiding ideology. Xi Jinping Thought on Socialism with Chinese Characteristics in a New Era and the spirit of the 19th CPC National Congress shall be implemented in depth, the Document 11, the Opinions of the CPC Central Committee and the State Council on Implementing the Rural Revitalization Strategy, and the spirit of the National Financial Work Conference shall be conscientiously implemented, the relevant national laws and regulations shall be observed, the general tone of steady progress shall be adhered to, the awareness of risk prevention and control shall be enhanced, the improvement of the capability to serve agriculture shall be the fundamental principle, serving the rural real economy shall be the starting point and the foothold, the relationship between regulation and development shall be correctly handled, the bottom line of non-occurrence of systemic financial risks shall be held, and an endeavor shall be made to explore the construction of a rural financial service system of supply and marketing cooperatives that meets the needs of the development of agriculture, rural areas and farmers and that generally operates in a coordinated manner and carries controllable risks. | | （一）指导思想。深入贯彻习近平新时代中国特色社会主义思想和党的十九大精神，认真落实中发11号文件、《中共中央国务院关于实施乡村振兴战略的意见》和全国金融工作会议精神，遵守国家有关法律法规，坚持稳中求进工作总基调，强化风险防控意识，以提升为农服务能力为根本宗旨，以服务农村实体经济为出发点和落脚点，正确处理规范与发展的关系，严守不发生系统性金融风险的底线，努力探索构建适应“三农”发展需要，整体运转协调、风险可控的供销合作社农村金融服务体系。 |
| 2. General principles | | （二）总体原则 |
| —Adhering to compliance with the laws and regulations: The financial services of supply and marketing cooperatives shall develop in compliance with the requirements of the government's regulatory departments, to the extent permitted by the national laws, regulations and policies. | | --坚持依法合规。供销合作社金融服务要在国家法律法规和政策允许的范围内，按照政府监管部门的要求合规发展。 |
| —Adhering to stable progress: Supply and marketing cooperatives providing financial services shall put risk prevention at the forefront, bear in mind stability, follow the laws of financial development, exercise prudential management, and steadily promote all lines of business in developing in a well-regulated and stable manner, by high standards and strict requirements. | | --坚持稳中求进。供销合作社开展金融服务必须把防范风险放在首要位置，稳字当头，遵循金融发展规律，审慎管理，稳步推动各项业务在高标准严要求下规范、稳步发展。 |
| —Adhering to serving the real economy: Serving the real economy is the mission of finance. Supply and marketing cooperatives providing financial services shall be oriented to serving the rural real economy, use achievements in serving the real economy as the fundamental standards to measure the work, and focus on supporting the development of agriculture, rural areas and farmers. | | --坚持服务实体。为实体经济服务是金融的天职。供销合作社开展金融服务必须以服务农村实体经济为导向，把服务实体经济的成效作为衡量工作的根本标准，聚焦支持“三农”发展。 |
—Adhering to classification guidance: Supply and marketing cooperatives at all levels shall, under the premise of complying with the relevant national laws and regulations, explore different forms of financial services according to local conditions and adopt measures to prevent and control risks and guide development in a targeted manner, instead of "one-size-fits-all" practices.
．．．．．． | | --坚持分类指导。各地各级供销合作社在遵守国家相关法律法规的前提下，因地制宜探索不同形式的金融服务，有针对性地采取风险防控和发展指导措施，不搞“一刀切”。
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