| Notice by the Rural Banking Department of the China Banking and Insurance Regulatory Commission of Strengthening the Relevant Business Supervision of Village Banks | | 中国银保监会农村银行部关于加强村镇银行相关业务监管的通知 |
| (No. 3 [2018] of the China Banking and Insurance Regulatory Commission) | | （银保监农银发[2018]3号） |
| The Rural Small and Medium-Sized Financial Institutions Supervision Department under the Preparatory Group of all local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”): | | 各银保监局筹备组农村中小金融机构监管处： |
| In recent years, some village banks have deviated from the orientation of supporting rural affairs and small-sized entities in business operation by blindly carrying out inter-bank, bill and other business, which has resulted in relatively large risk exposure, thus causing serious impact on the overall business operation and development of village banks. For the purposes of directing village banks to further adhere to the orientation, prudently carrying out inter-bank and bill business, effectively preventing risks, and improving the quality and efficiency of finance serving the real economy, the relevant requirements on strengthening the relevant business supervision of village banks are hereby announced as follows: | | 近年来，部分村镇银行在经营中偏离支农支小定位，盲目开展同业、票据等业务，形成较大风险敞口，对村镇银行整体经营发展带来严重影响。为引导村镇银行进一步坚守定位，审慎开展同业、票据业务，有效防范风险，提升金融服务实体经济质效，现就加强村镇银行相关业务监管的有关要求通知如下： |
| I. Prudently determining the scope of inter-bank investment and financing business. Village banks shall adhere to the market orientation of basing on the county regions and supporting rural affairs and small-sized entities, insist on providing basic financial services as the main business, mainly position the inter-bank business in the liquidity management tools, and prudently carry out inter-bank investment and financing business. In principle, inter-bank and bill business may be handled at the head office level. The scope of inter-bank financing business of village banks shall be limited to inter-bank lending, inter-bank deposits, and matched sale of repo (reverse repurchase) carried out in the national inter-bank bond market. Inter-bank investment business shall be limited to the purchase of policy financial bonds, financial bonds at or above the AAA-level, inter-bank negotiable certificates of deposit at or above the AAA-level, and other standardized financial assets. Village banks shall be strictly prohibited from carrying out inter-bank borrowing and reverse repurchase (matched sale of repo) with bill as the subject matter, except the bill business carried out with the People's Bank of China. | | 一、审慎确定同业投融资业务范围。村镇银行要坚守立足县域、支农支小市场定位，坚持以提供基础金融服务为主业，将同业业务主要定位于流动性管理工具，审慎开展同业投融资业务。原则上只能在总行层面办理同业及票据业务。村镇银行的同业融资业务范围限于同业拆借、同业存款和在全国银行间债券市场开展的卖出回购（买入返售）业务。同业投资业务限于购买政策性金融债券、AAA级以上金融债券及AAA级以上同业存单等标准化金融资产。严禁村镇银行开展同业借款业务和以票据为标的的买入返售（卖出回购）业务，与人民银行开展的票据业务除外。 |
| II. Strictly regulating cross-provincial bill rediscount and inter-bank deposits. In principle, village banks shall not carry out bill rediscount or inter-bank deposits (except inter-bank deposits for the purpose of settlement) with banking financial institutions (including branch offices) in other provinces (autonomous regions and municipalities directly under the Central Government). The inter-bank deposits carried out by a village bank with a principal promoter bank or a village bank established by the same principal promoter bank shall be managed as inter-bank deposits in the province. | | 二、严格规范跨省票据转贴现和存放同业业务。原则上村镇银行不得与省（自治区、直辖市）外银行业金融机构（含分支机构）开展票据转贴现业务和存放同业业务（结算性用途的存放同业除外）。村镇银行与主发起行、同一主发起行发起设立的村镇银行开展存放同业业务，视同省内存放同业业务管理。 |
III. Strictly and prudently carrying out banker's acceptance bill business on a commission basis. A village bank shall not accept the commission of another bank to carry out banker's acceptance bill business as a trustee. A village bank entrusting another bank to carry out banker's acceptance bill business as an entrusting party must strictly and prudently assess the risks of carrying out relevant business, and establish a perfect management system, procedure and corresponding information system for commissioned banker's acceptance bill, and may only conduct the business with the consent of the territorial regulatory department upon assessment and final inspection. A village bank entrusting another bank to conduct issuance and acceptance of banker's acceptance bill on a commission basis must strictly implement the relevant regulatory requirements, incorporate the business into unified credit management, conduct accounting in an authentic manner and accurately set aside risk asset reserves. No village bank shall entrust any banking financial institution in a place other than its registration place (excluding the principal promoter bank) to carry out banker's acceptance bill business; or carry out banker's acceptance bill business with the seal or in the name of the entrusted bank.
．．．．．． | | 三、严格审慎开办代理银行承兑汇票业务。村镇银行不得作为受托方，接受他行委托办理银行承兑汇票业务。村镇银行作为委托方，委托他行代理银行承兑汇票业务的，必须严格审慎评估开办相关业务的风险，建立完善的代理银行承兑汇票业务管理制度、流程和相应的信息系统，并经属地监管部门评估验收同意后，方可办理。村镇银行委托他行代理银行承兑汇票签发、承兑业务，必须严格执行相关监管规定，纳入统一授信管理、真实开展会计核算并准确计提风险资产。村镇银行不得委托本机构注册地以外的银行业金融机构（主发起行除外）代理银行承兑汇票业务；不得以受托行名义、使用受托行印鉴为客户办理银行承兑汇票业务。
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