On May 20, the CBRC held a briefing. The person in charge of relevant departments of the CBRC said that the CBRC continued to strengthen and improve corporate governance supervision, promote financial institutions, including small and medium-sized banks, to deepen corporate governance reform, and take it as an important means to prevent and resolve risks and achieve high-quality development.
The person in charge of relevant departments of the China Banking and Insurance Regulatory Commission said that in the next step, the regulatory focus of the reform of chemical insurance of urban commercial banks includes adhering to the party's leadership over financial work, improving corporate governance, forming a joint force between the regulatory authorities and local territories, and promoting strong supervision and supervision as a whole. The supervision focus of rural small and medium-sized banks includes four aspects: adhering to the bottom line thinking, paying attention to risk prevention and resolution; Adhere to reform thinking and promote deepening reform; Adhere to small and scattered, and improve the ability of financial services; Adhere to the situation of strict supervision and improve the efficiency of supervision.
reform of chemical insurance has achieved remarkable results
Urban commercial banks and rural small and medium-sized banks are the main components of small and medium-sized banks.
According to the person in charge of relevant departments of the CBRC, as of the end of the first quarter, there were 128 corporate institutions of urban commercial banks in China, with total assets of 46.7 trillion yuan, accounting for 15.5% of China's commercial banks and 13% of banking financial institutions.
The person in charge of relevant departments of the cbcirc said that since the 2017 national financial work conference, the regulatory authorities have continuously urged and guided urban commercial banks to stick to their positioning, return to their origin, focus on their main business, continue to rectify financial chaos and achieved remarkable results.
According to the data, from 2017 to 2021, the average annual growth rate of assets of urban commercial banks was 9.8%, which was significantly lower than the average annual growth rate (23.1%) from 2011 to 2016, and basically returned to the average level of commercial banks. In terms of asset structure, the proportion of loans of urban commercial banks in total assets increased from 36% at the end of 2016 to 51.3%, the proportion of investment assets decreased from 40.6% to 35.2%, and the proportion of interbank assets decreased from 11.8% to 5.9%. In terms of the rectification of financial chaos, since 2017, 2842 urban commercial banks have been fined and confiscated for a total of 1.2 billion yuan.
In terms of the development of rural small and medium-sized banks, the person in charge of relevant departments of the CBRC said that rural small and medium-sized banks have achieved stable development as a whole, the risks are generally controllable, and have strongly supported the development of the real economy.
According to the data, by the end of 2021, there were 3902 rural small and medium-sized banks in China, including 2199 Rural Credit Cooperatives (including rural commercial banks and rural cooperative banks). The assets and liabilities increased steadily. At the end of 2021, the assets and liabilities were 45.7 trillion yuan and 42.2 trillion yuan respectively, accounting for 14.1% of the banking industry, an increase of 0.7 percentage points over the end of 2017. All regulatory indicators are generally good, with a capital adequacy ratio of 12.4%, a non-performing loan ratio of 4% and a provision coverage rate of 122.9%.
In addition, in terms of risk disposal, since 2018, the CBRC has disposed of 627 high-risk rural small and medium-sized banks and disposed of 2.6 trillion yuan of non-performing loans, exceeding the sum of the previous decade. In addition, the development of rural small and medium-sized banks also shows the characteristics of further strengthening the main responsibility and main business, increasing small loans to support agriculture, initially curbing the chaos of shareholders' equity, and solving problems in the reform of system and mechanism.
small and medium-sized banks still have some "structural" problems
While achieving remarkable results, the person in charge of relevant departments of the CBRC also pointed out that at present, urban commercial banks and rural small and medium-sized banks also have problems such as "structural" and "large amount of risk accumulated in history in some areas".
As for urban commercial banks, the person in charge of relevant departments of the China Banking and Insurance Regulatory Commission said that due to cyclical, institutional, structural and behavioral factors, there are also some structural problems in the field of urban commercial banks. The problems accumulated by individual institutions over the years are relatively serious and there are certain potential risks.
Based on the potential risks in the development of urban commercial banks, the regulatory authorities, together with the local Party committee and government, have focused on a series of risk prevention, control and resolution work. The first is to improve the disposal policy; The second is to promote reform and insurance, including increasing bad disposal, promoting reform and reorganization, promoting the introduction of war investment, implementing precision bomb dismantlement and other measures; The third is to address both the symptoms and root causes, including strengthening the organic integration of the party's leadership and corporate governance, strengthening corporate governance supervision and introducing management talents.
As for rural small and medium-sized banks, the person in charge of relevant departments of the CBRC said that the risks of rural small and medium-sized banks are generally controllable and convergent. However, from the perspective of stock, the volume of risks accumulated in history in some areas is large, and disposal efforts need to be continuously strengthened; In terms of increment, the risks brought by the impact of the epidemic, economic transformation and industry reform will gradually appear.
"The sustainable development of rural small and medium-sized banks faces challenges, which are mainly reflected in five aspects: the path of the party's leadership into corporate governance needs to be improved; there are defects in shareholder equity management and corporate governance; insufficient risk disposal resources in some areas; the legal system of risk prevention and control is not perfect; and the competition in the county financial market is fierce." The person in charge of relevant departments of the CBRC said.
the next step is to adhere to the situation of strict supervision
improve regulatory efficiency
After analyzing the above problems, the CBRC also issued a "prescription". It is reported that since this year, the CBRC has mainly carried out work in four aspects: continue to implement the three-year action plan for improving corporate governance; Deploy rectification of key corporate governance issues; Carry out special rectification of equity and related party transactions; Improve daily risk monitoring and early warning.
With regard to the future supervision focus of urban commercial banks, the person in charge of relevant departments of the CBRC said that in the next step, we should take improving corporate governance as the top priority of the reform of urban commercial banks, strengthen the supervision of shareholders' equity, promote the formation of effective self-discipline and achieve high-quality development; The financial supervision department will work with the local Party committee and government to jointly prevent and resolve regional financial risks; The regulatory authorities will adhere to the positioning of "supervision surnamed supervision", strengthen the linkage and coordination with the discipline inspection and supervision departments, and promote the financial anti-corruption and disposal of financial risks.
For small and medium-sized rural banks, the CBRC will continue to further promote the reform of small and medium-sized rural banks and continue to enhance their ability to serve the real economy in accordance with the basic principles of stabilizing the overall situation, overall coordination, classified policy implementation and accurate bomb removal.
On the one hand, we should not slacken our efforts to prevent and resolve risks. Broaden the sources of risk disposal funds, make rational use of deposit insurance funds, financial stability guarantee funds, etc., and "one bank, one policy" to steadily dispose of key high-risk institutions to ensure that risks do not overflow. On the other hand, we will unswervingly promote and deepen reform. Encourage high-quality banks, insurance companies and other qualified institutions to participate in the merger and reorganization of small and medium-sized rural banks, implement the support policies to encourage the merger and reorganization of small and medium-sized rural banks in conjunction with relevant departments, and promote the merger and reorganization and regional integration of small and medium-sized rural banks in accordance with the principle of marketization and legalization.
In terms of improving the ability of financial services, we should further optimize the positioning supervision of supporting agriculture and small expenditure, and urge small and medium-sized rural banks to adhere to their main responsibilities and businesses. Adhere to the principle that credit funds originate locally, are used locally and are scattered in small amounts. It is not allowed to absorb large deposits from other places and issue loans from other places. It is necessary to strictly control large-scale credit and sink the focus of service to the local market.
In addition, we should adhere to the situation of strict supervision and improve the efficiency of supervision. Adhere to the positioning of "supervision surnames supervision", continue to strengthen the construction of supervision style, strengthen the responsibility of supervision, and vigorously carry forward the supervision spirit of scrupulous duty, dare to supervise, proficient in supervision and strict accountability.
The person in charge of relevant departments of the CBRC said that in the next step, the CBRC will continue to make efforts to solidly promote the effectiveness of various work, continuously improve the quality and efficiency of corporate governance of banking and insurance institutions, and provide effective support for the reform of small and medium-sized banking institutions and the realization of high-quality development.
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