Guangdong to prepare four villages and towns bank Panyu, Heyuan shortlisted

Guangdong Banking Regulatory Bureau has reported the planning scheme, only to be approved after the start of the type of preparation: economic news Author: Locke off original Browse Volume: 0 Version: GC07 Edition: Daily Wealth Bank manuscripts: The Southern Metropolis Newspaper Summary: Our correspondent recently learned that, following the establishment of two village banks last year, Guangdong province this year to set up a new four village and township banks. Guangdong Provincial Banking and Regulatory Bureau has reported the relevant planning to the CBRC, but so far has not been approved. Guangdong's two village and township banks, which were built last year, have started their business successfully this year. CFP for the map of our correspondent recently learned that, following the establishment of two village banks last year, Guangdong province this year to set up a new four village and township banks.　　Guangdong Provincial Banking and Regulatory Bureau has reported the relevant planning to the CBRC, but so far has not been approved. The plan is part of a three-year plan by Guangdong province last year for village and township banks.　　Knowledge of the industry told reporters, since the success of the last year in Zhongshan Siu Lam and Jiangmen Enping set up village and township banks, Guangdong Province was proposed in three years to open 21 village and township banks, to achieve the coverage of each prefecture-level one.　　The reporter also learned that in this year's estimated four village and township banks, Guangzhou Panyu and mountainous Heyuan each got an indicator, and the other two pilot-place reporters are temporarily unable to learn.　　The two banks ' main sponsors have already agreed that, although the CBRC has not yet approved the three-year plan submitted by the Guangdong Banking Regulatory Bureau, the relevant enterprises have already started the preparatory matters. According to the reporter learned, mountainous Heyuan and Guangzhou Fanyu District each have a guarantee company intends to take this opportunity to enter the banking business area.　　Two institutions in charge of the reporter said that the relevant preparations are in place, the village and township banks to set up the required banking financial institutions, the main initiator has also been negotiated, the CBRC only to the Guangdong Banking Regulatory Bureau to report the plan to make official reply, the formal preparation process can be started. "The CBRC will be planning to report to the CBRC at the beginning of this year, in this plan, the province has the intention to set up 4 village and township banks, at present we are also waiting for the CBRC's reply, is expected to the recent relevant approval may come down." If all goes well, the village bank we apply for will open in the year.　　"A business owner who plans to apply for a share to set up a village bank said yesterday to reporters. As of press, the reporter did not learn from the Guangdong Banking Regulatory Bureau about this year's Village bank related planning. The Banking regulatory Bureau said to reporters that so far this year, the new Village Bank of the relevant pilot has not formally submitted applications. However, the knowledge of the industry to reporters, because the Guangdong provincial banking and Regulatory Bureau of the three-year plan has been reported in the early years, the CBRC is expected to receive the approval of the Banking Regulatory Commission. "As soon as the reply is approved, we will submit the application as originally planned, and if all goes well, it is expected to open in the year." As for the planned scale of four village and township banks by the year, there are still two other pilot places that cannot be determined.　　It is not yet known whether the CBRC's final reply will make changes to the plans presented by the Guangdong Bureau. Guarantee industry taking the opportunity to enter the banking sector relative to only the smallLoan companies, which can be loaned to the rural banks, will undoubtedly attract the guarantee companies who have been interested in entering the banking field.　　The Heyuan and Guangzhou Fanyu District will be the new two village and township banks, the main lead also has the role of security agencies. Although last week, the CBRC issued a small loan company to transform the village and township banks, but the conditions provided by the basic and new village and township Bank is not very different, the transformation still requires the main promoter of banking financial institutions, and the proportion of the main sponsor is not less than 20%. For many guarantee companies who have always wanted to enter the banking field, it is better to launch a village bank directly than to set up a micro-loan company for 3 years and then transfer the dominant power of the operation to the banking financial institution.　　Last week, a security agency in Guangdong, which is running a microfinance company, admitted in an interview that it was easier to apply for a village bank directly under the current policy framework than through a micro-loan company. Guangdong last year a total of two village and township banks, Guangdong province Zhongshan Siu Lam Village Bank (registered capital of 250 million yuan, the highest in the country) and only this March, the official opening of the HSBC village and township Bank of Enping.　　At present, the operation of two villages and towns banks are relatively normal, Siu Lam Village Bank as an indirect agent to join the People's Bank payment system, to get rid of the opening of the short board can not print checks. According to the Guangdong Provincial Finance office, Siu Lam Village and township Banks adhere to the "three rural", small and medium-sized enterprises, residents as the main object of loans, through the establishment of Customer Manager performance assessment mechanism, integration of business processes, improve the efficiency of audit and loan, the fastest two or three days to complete the approval formalities. At the end of March, small Lam Village Bank SME loan balance of 82 million yuan, accounting for the balance of 55.54%, agricultural loan balance of 36.84 million yuan, accounting for the balance of 24.92% of the loans, of which the household loan balance 2.9 million yuan, rural community loan balance 23.5 million yuan, The loan balance of the farmers ' investment office is 10.44 million yuan, and the personal loan balance is 28.96 million yuan, which accounts for 19.5% of the loan balances, of which the individual venture loan balance is 27.25 million yuan and the personal consumption loan balance is 1.71 million yuan.　　The HSBC Village Bank of Enping, which opened soon, also broke the blind spot of local agricultural loans.　It was the successful operation of the two village and township banks last year, so that the Guangdong Banking Regulatory Bureau had made a plan to open 21 village and township banks within three years, according to the plan, Guangdong 21 prefecture-level cities in each city has a place to set up village and township banks in 3 years. Our correspondent Locke