Huimin Village Bank has a registered capital of 2 million yuan, and Nanchong City Commercial Bank in Sichuan is the largest shareholder, accounting for 50% of the shares. Other shareholders include Sichuan Mingyu Group and Sichuan Haishan International Trading Co., Ltd. At present, the bank is composed of more than ten people, including president and account manager. It is the smallest bank in China.
Huimin rural bank can engage in the following businesses: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic settlement; Handle bill acceptance and discount; Engage in interbank lending; Engaged in bank card business and other businesses. Among them, loans mainly include small-scale farmers' loans, micro-enterprise loans and professional farmers' loans, of which the maximum loan amount of small-scale farmers' loans does not exceed 20,000 yuan, and the loan procedures are very simple, and they can be obtained only by credit without guarantee; The maximum amount of the other two types of loans does not exceed 654.38 million yuan, but credit and guarantee are needed.
Also opened on the same day was Sichuan Yilong Huimin Loan Co., Ltd., which was established by Nanchong City Commercial Bank with a registered capital of 500,000 yuan.
Tang Shuangning, vice chairman of China Banking Regulatory Commission, stressed at the opening ceremony of Huimin Village Bank that it is necessary to standardize and promote the pilot project, promote the mechanism transformation, strictly guard against risks, do a good job in supporting agriculture, and turn the village bank into a rural community bank serving agriculture, countryside and farmers.
Tang Shuangning pointed out that the establishment of Yilong Huimin Village Bank, as the first institution listed for business, marked the initial success of the pilot work of China Banking Regulatory Commission to adjust and relax the access policy of banking financial institutions in rural areas, and marked the formal birth of a brand-new rural banking financial institution in rural China. This will have a good demonstration effect on promoting the establishment of new rural banking financial institutions in China, and will have a positive and far-reaching impact on improving rural financial organizations and service systems and improving the level of rural financial services.
Tang Shuangning said that the establishment of new rural banking financial institutions, such as village banks, loan companies and rural mutual funds cooperatives, will definitely activate the rural financial market, bring new competition, new vitality and new business opportunities, and produce a "soup effect". Just like a bucket of boiling water, add some salt, oil, vegetables and dried seaweed, and it becomes a delicious soup.
In view of the lessons of rural foundations and savings associations in the past, Tang Shuangning demanded that the pilot of new rural banking financial institutions should be prevented from rushing headlong into action. Local regulatory agencies should strengthen the process supervision of the pilot work, always put risk prevention in the first place, optimize the property right structure, improve corporate governance, strengthen internal control, strengthen capital constraints, and turn new rural banking financial institutions into rural community banks with sustainable development capabilities.
At the same time, Tang Shuangning reminded governments at all levels in the pilot areas that developing financial services in rural areas has the characteristics of high operating costs, high operating risks, long income cycle and low operating profit rate. He hopes that governments at all levels and relevant departments in the pilot areas will actively support the development of new rural banking financial institutions, strive to create a fair operating and competitive environment, and promote their development and growth in competition.
The person in charge of Sichuan Banking Regulatory Bureau said that according to the average annual growth rate of GDP in Yilong County in the next five years (about 14%) and the relatively strong loan demand of aborigines and community enterprises after rural urbanization, it is predicted that the total assets, deposits and loans of rural banks will increase by more than 15% in the next three years.
(Zhao Hongmei China Economic Times)