for further research on rural credit

For zhangjiagang, changshu, jiangyin etc rural commercial bank preparatory listed, banking regulatory commission (CBRC) said will fully respect the rural small and medium sized financial institutions business will, continue to actively encourage and support meet the conditions of the rural public listing, small and medium sized financial institutions continue to guide zhangjiagang, and a number of potential listed rural commercial bank according to the CSRC relevant listing requirements, and conscientiously carry out the preparation before listing work.

And in chongqing agriculture firm listed eve,  cooperatives reform into rural commercial bank after the transformation of development, the CBRC research group of farmers in zhangjiagang to its restructuring businesses, nine years of development in the special investigation. This research will be included in the development strategy for the planning and arrangement, rural small and medium-sized Banks publicly theory and practice and other aspects of the deeply investigation of zhangjiagang, research group of the development of agriculture firm gives good evaluation.

The wind control capacity constraints future development still needs the effort

Four farming firm listed by the CBRC approval of news, there is no doubt that the development of national agriculture firm laid a big boost. But should also see, agriculture businesses in the development process still exist such problems, and great line and city firm in asset scale than aspects also has the disparity. This needs to be listed as an opportunity to farmers firm, in the future development process catch up.

Should see that farmers firm listed road difficult root causes, and their existing problems of having nothing to do. This kind of bank is confronted with the biggest problem is its own risk control ability are relatively weak. Compared with domestic other Banks look, the farmers firm wind control ability was clearly low grade. As is known to all, agricultural loans is "point, wide coverage and small amount, loan cost is higher;" Kind of breeding are facing some uncertain factors, plus the rural credit guarantee system develops slowly, loan risk is higher. This requires the merchant in the development of agriculture, in the meantime, the wind control aspects there can be no slack.

Former vice President jiang dingzhi speaking CBRC last year in jiangyin merchant when agricultural research emphasize, bank management are mainly embodied in the level of risk control, bankers must always remember "stable" 2 words, especially rural commercial bank is in original rural credit cooperatives formed the basis of restructuring, commercial operation time is shorter, establishing scientific incentive and restraint mechanisms and large gap, cannot unilateral pursue development speed and scale and market share, do not pursue larger, striving for stronger. To reduce the risk concept permeate each operational links and every staff daily behaviors, completes the risk management of the basic work, promote risk control level.

In addition, farmers firm non-performing loan balances are generally not so well, historical burden heavier, and individual bank capital adequacy ratio is insufficient, employee shareholding and shareholders problems need to be resolved urgently.