Under the new situation, the central government's "agriculture, rural areas and farmers" work and county economic and social development have put forward higher requirements for the county-level branches of the People's Bank of China. To fulfill this arduous mission, the county-level branches of the People's Bank of China currently need to play four major roles, namely, to play a coordinating and advisory role in serving local governments; to play a conductor role in monetary and credit policies; to play a management and defender role in the area's finance; to play a financial The role of quality service provider.
County branches are the "nerve endings" of the central bank and the most basic unit of the People's Bank of China. They undoubtedly play an important role in transmitting monetary policy, maintaining financial stability, providing financial services and supporting regional economic development. In recent years, with the further strengthening of the development tasks of county economy and "agriculture, rural areas and farmers", the county-level branches of the People's Bank of China are facing some new situations and tasks that are different from the past in terms of work and environment. How to base themselves on the current situation, recognize the situation, and Clarifying tasks, improving internal and external training, improving quality, and truly realizing the "small but promising" development goals of county branches are important issues currently facing the county branches of the People's Bank of China.
The new situation has put forward higher requirements for county-level branches of the People's Bank of China
(1) The important position of the county level in the national development pattern requires county branches to make a difference accordingly. The county level plays an important role in connecting the previous and the following in the party's organizational structure and state power, and is the "cornerstone" in the development of national strategies. In ancient China, there was a saying that "the governance of counties and counties will bring peace to the world", and this is even more true now. . Since the beginning of 2010, our country has launched duty-performance training for county party secretaries across the country on "how to be a good county party secretary under the new situation", which fully proves this point. In line with the importance of county development, the county branches of the People's Bank of China, which is the county central bank, also shoulder important missions. For example, in the government's efforts to promote the construction of a new socialist countryside, promote the development and growth of county economies, promote industrialization and urbanization, improve the transformation of agricultural development methods, and ensure and improve people's livelihood, we must give full play to the people's The bank plays its due role as the leading financial management department in the county. The "Decision on Major Issues Concerning Promoting Rural Reform and Development" of the Third Plenary Session of the 17th Central Committee of the Communist Party of China pointed out that the financial sector must play a role in establishing a modern rural financial system, improving the rural financial system, promoting rural reform and development, and promoting the construction of a new socialist countryside. Important role, etc., these have pointed out the direction of efforts and tasks for the county-level branches to make great achievements.
(2) Social attention to the performance of the central bank’s duties has been further strengthened, requiring county-level branches to increase corresponding efforts at the grassroots level. In the past few years, due to the emergence of the international financial crisis and changes in the domestic macroeconomic situation, the central bank, under the leadership of the party and the government, decisively took effective measures and comprehensively used a variety of monetary policy tools to withstand the impact of the international financial crisis and make the Macroeconomic control and macroeconomic trends have always been developing in the expected direction. Along with this, the central bank's attention in the economic field and society has increased unprecedentedly, and its policies, influences, and effects have attracted more attention and evaluation from the world. Inevitably, some different voices will emerge due to various reasons such as information asymmetry. It is an important task of grassroots central banks to publicize central bank policies in a timely, comprehensive and correct manner, collect policy implementation effects objectively, comprehensively and accurately, and put forward targeted suggestions and countermeasures insightfully. In addition, many tasks such as anti-money laundering, credit reporting, RMB, and foreign exchange management are highly social and have a wide range of services, which also require county-level branches to respond seriously with a new work atmosphere.
(3) The new pattern of county financial development requires county-level branches to respond accordingly. In recent years, in order to further promote the development of "agriculture, rural areas and farmers" and county economic and social development under the new situation, the central government has repeatedly proposed to promote private funds in rural areas to enter the field of financial services and establish and establish new rural financial institutions in various forms. Since the China Banking Regulatory Commission issued the "Several Opinions on Adjusting and Relaxing Access Policies for Banking Financial Institutions in Rural Areas" in December 2006, a large number of new financial institutions such as village banks, loan companies and rural mutual funds have begun to emerge in counties. According to relevant data from the China Banking Regulatory Commission, as of the end of May 2011, 536 village banks alone had been established across the country, becoming a new force in supporting the development of "agriculture, rural areas and farmers".
As a new financial entity in counties, how should the county-level branches of the central bank face new things, how to correctly handle the balance between promoting development and strengthening service management, and how to effectively carry out work to serve "activating the rural financial market and building a diversified, wide-coverage, The county branch still has a lot of work to do to support the central work of "sustainable rural financial system", help it get started, give it a ride, help it grow, and truly play its role in supporting agriculture.
(4) Judging from the reality that the head office and other higher-level banks are constantly strengthening county-level branches, there is still a lot of work to be done in branch construction. In recent years, the Head Office of the People's Bank of China has also been paying attention to and strengthening the work of the People's Bank of China at the county level. Since the Party Committee of the Head Office of the People's Bank of China issued the "Opinions on Further Strengthening the Construction of County (City) Branches of the People's Bank of China" (Yindang [2009] No. 61) , branches, provincial capital branches, etc. are carrying out various forms of activities to strengthen the construction of county branches. As a first-level entity, the county branch should guide its cadres and employees on the situation, policies and regulations in a timely manner, how to educate everyone to clarify the responsibilities and development direction of the county branch, enhance initiative, and how to create new innovations based on reality and solid performance of duties. In order to truly guide the thoughts and energy of branch cadres to their work and encourage them to proactively perform new responsibilities, complete new tasks, and create new achievements, there is still a lot of work to be done.
However, from an objective reality, there is no doubt that the current county branches do have some problems, such as old ways of thinking, insufficient motivation to expand work, unclear work goals, insufficient specific work content, and insufficient means and measures. Diversity and other issues, there are still many constraints on the effective performance of duties. However, as long as county branches follow the requirements of the Scientific Outlook on Development, clarify new tasks and strengthen confidence in self-development, they will be able to be better "small but promising" under the new situation, better play the role of grassroots central banks, and better promote county economic development.
The People’s Bank of China’s county branches must play the “four major roles”
At present, the People’s Bank of China’s county branches must, in accordance with the requirements of the Scientific Outlook on Development, effectively find the entry point and focus for performance of their duties, Use a development perspective to examine all the work of the county branch, strengthen the means of performing duties, and play a functional role.
(1) Truly play a coordinating and advisory role in serving local governments. The county-level branches of the People's Bank of China must continue to publicize and explain macro-financial policies to county-level governments and serve as propagandists for financial policies. At the same time, we continue to preach relevant financial theoretical knowledge, guide county-level government officials to establish a correct financial and economic outlook, and lay the foundation for the overall sustainable development of county finance. It is necessary to combine national industrial policies with the actual situation of the county and put forward plans to support the development of industries with comparative advantages in the county from a financial perspective, so as not to follow the trend of development and truly conform to local realities. At the same time, it is necessary to truly put forward feasible methods and opinions on issues such as the financial ecological environment and credit construction, and continuously enhance the voice of county-level government departments and the influence of the financial sector. At the same time, we actively put forward service opinions and suggestions around the long-term strategic development of the county's finance, such as the reform of rural credit cooperatives, the establishment of new rural financial institutions of village banks, the establishment of small and medium-sized guarantee companies and other major issues related to the overall situation. Serve local development.
(2) Truly play the role of monetary and credit policy transmitter. County branches are the forefront and vanguard of national financial macro-control and must give full play to this role. The first is to flexibly use the daily management of monetary policy tools such as deposit reserves and re-lending to support agriculture and the evaluation of the effects of credit policy guidance, and guide county financial institutions to strengthen the management of key areas and weak links such as "agriculture, rural areas and farmers", small and medium-sized enterprises, and poverty alleviation and development. Provide financial support and play a good role in window guidance. The second is to do a good job in the response and feedback of monetary policy transmission nerve endings. It is necessary to increase attention and analysis of monetary policy transmission, strengthen investigations into county economic finance and rural economy, understand the capital needs of new rural construction and small and medium-sized enterprises, put forward policy suggestions for higher-level banks, and improve the effectiveness of monetary policy transmission. The third is to regularly organize financial departments to hold financial symposiums, bank-enterprise negotiation meetings, etc. to serve local financial and economic development.
(3) Really play the role of financial management and defender in the jurisdiction. It is necessary to truly adjust from the negativity brought about by the adjustment of the central bank's functions in previous years, and establish the concept of county finance and the central bank as the greatest. First, in accordance with the work idea of ??"two managements and two comprehensives", we should effectively strengthen our participation in the opening management, major matter management, comprehensive law enforcement, and comprehensive evaluation of county-level financial institutions, and effectively perform our work responsibilities instead of downplaying and going through the motions. It is necessary to emphasize equal emphasis on management and service, strengthen supervision, be tough, not to be a good guy, and truly establish prestige.
The second is to carry out relevant work in a forward-looking manner. Based on the obvious characteristics of comprehensive cross-operation in the financial industry such as some county commercial banks and financing guarantee companies, we must use our own means to strengthen supervision and monitoring to prevent the occurrence of systemic risks and ensure the financial stability of the financial industry. Stablize. For non-performing ones, we must remind them, rectify them, supervise them, take full responsibility, and use our own refinancing methods to provide support and rescue. The third is to establish a financial ecological promotion mechanism. Through the formulation and implementation of financial ecological environment assessment methods, an efficient working mechanism with government leadership, the People's Bank of China as the lead, relevant departments' division of labor and collaboration, and quantitative assessment and evaluation has gradually been formed. It is necessary to do a good job in publicizing financial knowledge to improve citizens' financial literacy; strengthen credit management and cultivate the credit awareness of market entities. Leading the construction of a credit society through financial ecological construction and laying the foundation for long-term sustainable development of finance.
(4) Truly play its role as a high-quality financial service provider. County branches should conscientiously fulfill the responsibilities of managing the treasury conferred by the law, play a good role in treasury management and financial management in serving government agencies, and provide service guarantees for the operation of county-level government agencies. Actively promote the reform of financial management systems such as "township finance and county management", study ways and means to improve the efficiency of the use of fiscal funds, reduce the circulation of fiscal funds, and improve the efficiency of the use of fiscal funds. We must pay attention to our own business innovation. Focus on continuous innovation in RMB management, payment and settlement, and foreign exchange, and strive to achieve "one-stop, convenient" services as much as possible to provide high-quality financial services to financial institutions and customers. Give full play to the advantages of the payment and settlement "highway" of large and small payment systems, expand the coverage of the payment and settlement system, promote the extension of the payment system to rural areas, unblock payment and settlement channels in rural areas, actively promote various payment services, and provide rural customers with Safe, efficient, multi-level, low-cost modern inter-bank payment and clearing services. Vigorously promote the use of non-cash payment settlement tools and actively promote the development of the bank card industry in rural areas. At the same time, it is necessary to effectively strengthen the management and online verification of RMB bank settlement accounts, implement the real-name system for accounts, prevent payment and settlement risks, and comprehensively improve the level of payment and settlement services in counties. Financial institutions can be organized to hold centralized publicity activities for checks that are universally accepted across the country, deposits and withdrawals for small-amount payment systems, and bank card services for migrant workers, and provide on-site answers to problems encountered by the masses in handling settlement services. It is necessary to strengthen supervision and management and guide the improvement of service issues of financial institutions. It is necessary to promptly solve the problems of long queues for business operations, bank fee issues, RMB exchange issues, and service attitude issues of financial institution staff that have numerous complaints from the masses and reflect strongly, and provide feedback to the Bank and its superior banks through certain forms to urge attention and resolution. The discipline inspection and supervision department of the branch can be the main front, actively carry out work style evaluation activities, and rely on social forces to supervise and improve branch services. County branches should guide and urge financial institutions to speed up the construction of payment infrastructure in counties and make overall plans for the construction of payment and settlement environment in counties.
Create better conditions for county branches to achieve "small but promising"
In recent years, the head office and other higher-level banks have always attached great importance to the construction of county branches, in terms of personnel entry, work responsibilities, business processing, In terms of internal control construction, we have continuously strengthened and promoted the construction of county branches, which has played a very good role in stabilizing the team and advancing work. However, judging from the feedback from county-level branches, there are still many aspects where superior banks need to create better conditions. The next step is to continue to recruit staff from college students or the general public to expand the team and increase the popularity of the branch. The second is to improve the business functions of branches. Actively follow the spirit of relevant documents and speeches to implement and delegate relevant business authority to county banks as soon as possible. For example, county-level foreign exchange business, credit reporting, anti-money laundering and other related businesses can be delegated to sub-branches and let them handle them, so as to drive motivation through business. . The third is to continue to strengthen the construction of branches and adopt party school training methods to continuously improve the overall quality of team leadership. We adopt various methods such as competitions, "going out", and striving for excellence in positions to improve the quality of middle-level and front-line employees and lay a solid foundation for better performance of their duties. Continue to strengthen the construction of risk prevention and control mechanisms in county branches, improve the risk prevention and control system, and promote the construction of "three noes" safe banks. Improve the employment mechanism and incentive mechanism of the financial services department, reward the good and punish the poor, reward the diligent and punish the lazy, and strive to cultivate and create a financial service team with strong politics, excellent business, clean work style and strict discipline. The fourth is to lead the county-level branches of the People's Bank of China to establish a stronger sense of innovation. The new situation requires every cadre and employee to use the spirit of innovation to guide every job and to think about every job with innovative ideas. We must work hard to do anything that is conducive to promoting local economic development, conducive to fulfilling the central bank's responsibilities, conducive to improving work quality and efficiency, and conducive to improving service quality.
With the courage and courage to be the first, to compete, and to lead, we will lead the county's financial work to achieve new breakthroughs.