The second is to further improve policies and increase policy support for rural commercial banks. Since 2003, during the pilot reform of rural commercial banks, the state has taken corresponding measures in terms of financial subsidies, tax reduction and exemption policies, and achieved outstanding results in accelerating the reform and development of rural commercial banks and further strengthening support for agriculture. On this basis, we will further play the role of fiscal and taxation policies, monetary policies and market access policies, build a policy support system with strong support, clear guidance, effective incentives and coordination, and gradually form a long-term mechanism to guide rural financial institutions to improve their initiative and enthusiasm in supporting agriculture. National policies should consider the treatment given to rural commercial banks as public legal persons and tax-exempt groups.
The third is to adapt to the requirements of the situation and explore new credit management system and operation mechanism. We should improve the loan management. For example, appropriately increase the credit line of micro-credit loans for farmers; Appropriately expand the credit authorization of grassroots rural commercial banks; The implementation of differential interest rate can give appropriate interest rate concessions to customers with large loan amount and good credit; Simplify unnecessary loan procedures and improve the efficiency of credit work. Establish and improve the internal operating mechanism and incentive mechanism. While establishing the loan accountability system, we should gradually establish a more scientific loan incentive mechanism that combines responsibility and rights, incorporate the loan surface, loan amount, interest rate and the decline of non-performing loans into the important content of credit cooperative assessment, link the economic income of credit personnel with loan benefits, and encourage credit personnel to actively market loans; Pay close attention to the trial of loans from enterprise credit loans and Lianbao, and provide fast and convenient credit services to small enterprises that meet the requirements, have market, benefit and credit by means of credit loans or secured loans.
The fourth is to expand the channels of asset utilization and realize asset diversification. Accelerate the transformation from pure credit business to asset diversification; For projects with quick results, large amount of funds and insufficient loans from individual credit cooperatives, county-level credit cooperatives can take the form of corporate loans to meet the reasonable capital needs of enterprises; Provincial associations should strengthen the fund adjustment of surplus funds of city and county associations and appropriately raise the interest rate of fund adjustment, which can not only find solutions for grass-roots associations with surplus funds, improve operating efficiency, but also help grass-roots associations with shortage of funds to solve the contradiction of insufficient funds for supporting agriculture; On the premise of preventing risks, the provincial association should strengthen industry guidance and consultation, and expand the extension of capital operation by organizing fund lending, purchasing government bonds and innovating credit varieties.
Fifth, speed up the transformation of property rights system and mechanism and optimize the development environment of rural commercial banks. Consolidate and develop the results of the pilot reform of rural commercial banks, further improve the governance structure and operating mechanism, form a set of effective restraint and incentive mechanisms to meet the needs of marketization, and stimulate the internal operation vitality of rural commercial banks; Deepen the reform of the property right system of rural commercial banks, and gradually turn rural commercial banks into community local financial institutions serving farmers, agriculture and rural economic development; On the basis of the first-class legal person of the existing county association, rural cooperative banks will be established when conditions are ripe; In the composition of the "three meetings", consider absorbing some non-staff members who are familiar with rural finance to improve the democratic decision-making ability of the "three meetings"; In terms of capital stock structure, it is suggested that according to the reality of regional economic development, appropriate concentration of shares should be implemented, private enterprises, leading agricultural enterprises and powerful rural self-employed households should be encouraged to enter large shares, managers should be allowed to increase their capital stock, and a number of large shareholders should be gradually cultivated to enhance their sense of responsibility for the development of credit cooperatives and improve their enthusiasm for participating in the management of credit cooperatives.