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Opinions of the General Office of the China Banking and Insurance Regulatory Commission on Advancing Rural Commercial Banks' Adherence to Their Position, Governance Enhancement and Improvement of Financial Service Capabilities [Effective]
中国银保监会办公厅关于推进农村商业银行坚守定位 强化治理 提升金融服务能力的意见 [现行有效]
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Opinions of the General Office of the China Banking and Insurance Regulatory Commission on Advancing Rural Commercial Banks' Adherence to Their Position, Governance Enhancement and Improvement of Financial Service Capabilities 

中国银保监会办公厅关于推进农村商业银行坚守定位 强化治理 提升金融服务能力的意见

(No. 5 [2019] of the General Office of the China Banking and Insurance Regulatory Commission) (银保监办发〔2019〕5号)

All local offices of the China Banking and Insurance Regulatory Commission ("CBIRC"): 各银保监局:
Rural commercial banks are important incorporated banking institutions in counties and the mainstay of the banking industry to support "agriculture, rural areas and farmers" (hereinafter referred to as the "rural affairs") and micro and small-sized enterprises. That rural commercial banks hold to the correct direction of reform and development are of great significance for establishing a multi-level, wide-coverage, and differentiated system of financial institutions and better meeting the structural and diversified demand for financial services in the real economy. For the purposes of implementing the requirements of the important reform measures adopted at the 19th CPC National Congress and the spirit of the Fifth National Financial Work Conference and the Central Rural Work Conference, establishing and improving an indicator system for monitoring, appraisal and evaluation of financial services of rural commercial banks, advancing adherence to position, governance enhancement, and improvement of financial services capabilities, supporting the priority development of agriculture and rural areas, and boosting the resolution of micro and small-sized enterprises' high cost of and difficulty raising financing, the following opinions are hereby offered 农村商业银行是县域地区重要的法人银行机构,是银行业支持“三农”和小微企业的主力军。农村商业银行坚持正确的改革发展方向,对于构建多层次、广覆盖、有差异的金融机构体系,更好满足实体经济结构性、多元化金融服务需求,具有十分重要的意义。为贯彻落实党的十九大重要改革举措要求、第五次全国金融工作会议及中央农村工作会议精神,建立完善农村商业银行金融服务监测、考核和评价指标体系,推进坚守定位、强化治理、提升金融服务能力,支持农业农村优先发展,推动解决小微企业融资难融资贵问题,现提出如下意见。
I. Adhering to the correct direction of reform and development and holding to the market position to serve rural affairs and micro and small-sized enterprises   一、坚持正确改革发展方向,坚守服务“三农”和小微企业市场定位
1. Focusing on local, county and community services. Rural commercial banks shall accurately grasp their respective differentiated positions in the banking system, establish a development direction, strategic position and operating priorities commensurate with the local gross product and industry characteristics, and strictly and prudentially engage in integrated and cross-regional operations, and in principle, shall not expand their institution or business out of country (district). Rural commercial banks shall focus on local services, shift service priorities to primary level, and lend incremental loanable funds for the current year primarily to local borrowers. (一)专注服务本地、服务县域、服务社区。农村商业银行应准确把握自身在银行体系中的差异化定位,确立与所在地域经济总量和产业特点相适应的发展方向、战略定位和经营重点,严格审慎开展综合化和跨区域经营,原则上机构不出县(区)、业务不跨县(区)。应专注服务本地,下沉服务重心,当年新增可贷资金应主要用于当地。
2. Adhering to the principal business of financial services in support of rural affairs and micro and small-sized enterprises. Rural commercial banks shall improve the precise orientation capabilities as to financial services and prioritize the satisfaction of the individualized, differentiated and tailoring needs of rural affairs and micro and small-sized enterprises. Rural commercial banks shall restore their business focus to principal credit business, ensure that credit assets account for an appropriate proportion of the total assets, and extend loans to rural affairs and micro and small-sized enterprises which are the mainstay of the total loans. Rural commercial banks shall strictly control the target and proportion of high-value loans and reasonably reduce the concentration of loans and average outstanding loans. (二)坚守支农支小金融服务主业。农村商业银行应提高金融服务精准匹配能力,重点满足“三农”和小微企业个性化、差异化、定制化需求。将业务重心回归信贷主业,确保信贷资产在总资产中保持适当比例,投向“三农”和小微企业的贷款在贷款总量中占主要份额。严格控制大额贷款投向和投放比例,合理降低贷款集中度和户均贷款余额。
II. Improving governance capabilities and improving intrinsic mechanisms for serving rural affairs and micro and small-sized enterprises   二、提升治理能力,完善服务“三农”和小微企业的内部机制
3. Optimizing the ownership foundation for the position to support rural affairs and micro and small-sized enterprises. Rural commercial banks shall, in accordance with the principle of according priority to agriculture-related matters and a focus on the real economy, actively introduce high-quality legal persons assenting to the strategic position to subscribe for capital stock and explore the introduction of rural collective economic organizations of strength and sound governance that subscribe for capital stock. Rural commercial banks shall enshrine shareholders' promise to support rural affairs and micro and small-sized enterprises their articles of association and assess the implementation of the promises. If shareholders fail to implement the promise or even cause a serious deviation from the position to support rural affairs and micro and small-sized enterprises, rural commercial banks shall restrict the relevant rights of the shareholders. Rural commercial banks shall strengthen the monitoring and well-regulated management of shareholder's conduct and strictly prevent shareholders from acquiring bank funds by wrongful related-party transaction transactions. (三)优化符合支农支小定位的股权基础。农村商业银行应按照涉农优先、实业为主的原则,积极引进认同战略定位的优质法人入股,探索引进具备实力、治理良好的农村集体经济组织入股。应将股东支农支小服务承诺写入公司章程,并对承诺落实情况进行评估。对股东未落实承诺、甚至导致严重偏离支农支小定位的,应限制其相关股东权利。加强股东行为监测和规范管理,严防股东通过违规关联交易套取银行资金。
4. Improving the corporate governance mechanism oriented to financial services. Rural commercial banks shall establish a corporate governance structure and governance mechanism that conforms to the characteristics of small legal persons and the position to support rural affairs and micro and small-sized enterprises, and pay attention to integrating the strengthening of party leadership into the process of corporate governance. Rural commercial banks shall further optimize the structure of the board of directors and pay attention to engaging in directors with business background with respect to rural affairs and micro and small-sized enterprises. Rural commercial banks shall specify the division of labor based on duties in the articles of association for "the assembly of shareholders, the board of directors, the board of supervisors, and the management" to develop and implement a development strategy in support of rural affairs and micro and small-sized enterprises and use make the completion of the evaluation objectives of supporting rural affairs and micro and small-sized enterprises as an important part of performance evaluation of the board of directors, the board of supervisors and the senior management. Rural commercial banks shall establish a scientific and reasonable indicator system for performance appraisal with respect to supporting rural affairs and micro and small-sized enterprises and give the indicators weight manifestly higher than other business indicators. Rural commercial banks shall peg the performance coefficient for relevant departments, branches and senior executives to the size, proportion and other circumstances of the business in support of rural affairs and micro and small-sized enterprises and be encouraged to increase the efforts to favor the performance of outlets in rural and remote areas. (四)完善金融服务导向的公司治理机制。农村商业银行应建立符合小法人特点和支农支小服务导向的公司治理架构和治理机制,注重将加强党的领导融入公司治理全过程。进一步优化董事会结构,注重选聘具有“三农”和小微企业业务背景的董事。应在公司章程中明确“三会一层”制定落实支农支小发展战略的职责分工,并将支农支小考核目标完成情况作为董事会、监事会和高级管理层履职评价的重要内容。应建立科学合理的支农支小绩效考核指标体系,指标权重应显著高于其他业务指标。对相关部门、分支机构和高管人员的绩效系数应与支农支小业务规模、占比等情况挂钩,鼓励加大对农村和偏远地区网点的绩效倾斜力度。
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