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It is understood that the establishment of "Sanhao Bank" is an important strategic decision made by Anhui Provincial Association in response to the "new normal" of the economy and the increasingly fierce market competition after all the rural credit cooperatives in the province were transformed into rural commercial banks. The purpose of this move is to promote the rural commercial banks in the province to deepen reform, transformation and development, fine management and entity efficiency, and accelerate the establishment of modern rural commercial banks with accurate positioning, scientific governance, strict internal control, sound finance and excellent service.
The opinion pointed out that the establishment of "three good banks" is a comprehensive systematic project. Anhui Rural Commercial Bank should coordinate and promote the target measures of "good internal control, good service and good benefit" and fully implement them, and integrate the construction of process banks, the establishment of standard banks and comprehensive credit management. We should persist in promoting mechanism construction as the foundation, and strive to improve basic management, service strength, management quality, efficiency and image in a short time.
The opinion elaborated the key points of establishing "Hao San Bank". In terms of "good internal control", it not only puts forward specific requirements for Anhui Rural Commercial Bank from the aspects of strategic management, corporate governance, institutional process construction and risk control. However, it is also clear that the standard primary banks of all banks should reach more than 70%, the non-performing loan ratio should be controlled within 3%, and the new non-performing loan ratio should be controlled within 2%. In terms of "good service", the service purpose of rural commercial banks must be oriented to support "agriculture, rural areas and farmers", small and micro enterprises and the real economy. In principle, the proportion of small loans supporting agriculture must reach more than 70%. At the same time, rural commercial banks are required to actively promote the construction of inclusive finance, improve service quality, improve service mechanism, optimize functional environment, and vigorously promote business development and innovation. "Good efficiency" requires rural commercial banks to reach higher standards in the total standard, per capita index, share index and growth index of major businesses such as deposit and loan scale and market share.
It is understood that Anhui Provincial Association will also formulate the "Detailed Rules for the Assessment of" Three Good Banks "and organize inspection and acceptance work. Issuing licenses to rural commercial banks whose assessment and acceptance have reached the specified score, and giving positive incentives; Those who fail to promote the establishment of activity organizations or whose work results are not obvious will take corresponding punishment measures.
Chen Peng, Chairman of the Safety Association, said that "good internal control, good service and good benefit" is a unified organism, with good internal control as the foundation, good service as the means and good benefit as the goal. The establishment of "Sanhao Bank" will help Anhui Rural Commercial Bank to innovate constantly in business mode, business means, products and services, strive to improve its profitability and its own strength, and better adapt to the increasingly fierce market competition.