Agricultural Bank of Agriculture to expand the expansion of the three: county-level sub-branches all into

Agricultural Bank of Agriculture three Agricultural and financial department set up a high standard to show the supervision of the three agricultural business attaches great importance. IC Supply Chart The CBRC issued a guideline on the reform and supervision of Agricultural Bank of China's three agricultural and rural financial institutions yesterday (hereinafter referred to as "the guideline"), and it is very rare to make a special provision for the reform of a bank's internal business system.　　According to the guidelines of the CBRC, in the future, ABC must gradually establish three agricultural and financial departments, three agricultural and finance divisions and three agricultural and financial departments (county branch) three vertical management system. The three rural financial sector system has relatively independent management autonomy, the Bank of agriculture will be listed three agricultural and financial department, as an independent accounting profit center, Agricultural Bank president as the chief executive of the Agriculture and Finance Department.　　According to the plan, the future of Agricultural Bank in the country's 2003 formed counties in 2048 branches will be the three agricultural and financial Department of the operating platform.　　The CBRC is responsible for testing and assessing the business development and performance of the agricultural and finance departments of ABC, and the loan growth rate of the three agricultural and finance departments should be no less than the average level of the total bank loans, and the non-performing loan ratio should be controlled below 5% in principle. The rate of tolerance is higher than the urban business ABC Guangdong Branch, the head of the three Agriculture and Finance department, said the county-level business into the three agricultural and financial department is the inevitable trend of agricultural bank business Development. "It is quite complex to define three agricultural assets in all branches of the country, according to the previous line of business lines." With the regional division is more simple direct, in fact, with the establishment of a unified background and large customer focus on marketing, at present most of the county branches are mainly engaged in agricultural business. From the angle of the CBRC, it also regards the county finance and the three agriculture finance as one.　　The official said to reporters. AgBank said to reporters, with the county Branch network integrated into the three Rural Finance division, the future of the bank in the three agricultural business in the competitive strength will be further enhanced. "After the incorporation of the division means that these branches can be unified backstage support, AgBank's ability to serve customers across the region will be further enhanced." "Cufe Research Center Director Guo said, in order to better serve the three farmers, to adopt a relatively independent management methods, the establishment of three agricultural sector, this is very necessary. Guo pointed out that earlier, with the relevant departments to grassroots research, found that many of the county branch of Agricultural Bank only to save the phenomenon is very serious, and some have not released a loan for seven or eight years.　　In accordance with the requirements of the guidelines, three agricultural and financial Department of new loans accounted for the proportion of their new deposits in the financial reorganization should be in principle 50%, in five years, the balance of loans accounted for the proportion of its balance should strive to reach more than 50%, if this indicator can be achieved, will provide services to the three rural work to bring great improvement.　　In the non-performing loan rate, the three agricultural and financial departments should be controlled under 5% in principle, compared with the state-owned commercial banks under 3% of the urban business non-performing rate, the regulatory level of rural business poor tolerance is still relatively high. County Branch backstage staff will flow to the front desk reporter in the Agricultural Bank in May 6Japan issued the "Three rural financial sector reform pilot Implementation Plan" (hereinafter referred to as "the Plan"), the future Agricultural Bank of agriculture, the three Rural finance division of the line structure will be divided into three levels.　　And the focus is to strengthen the grass-roots outlets of the front marketing function, and the management of the unified background. According to the plan, the Agricultural Bank of China will form three agricultural and financial Division, the department as the profit center of Independent Accounting, responsible for the whole line of "three rural" financial business unified management, Agricultural Bank of China as the President of Agriculture and Finance, the Vice president as deputy President, three agricultural operations director as Vice President　　Branch level, in line with the headquarters of the structure of the establishment of secondary division, the branch president and vice president of the Division as the general Manager and deputy general Manager, co-ordinating the three rural finance business.　　ABC people to reporters that, compared to the headquarters of the most convenient institutions, provincial branch level adjustment is mainly concentrated in the background of resource integration, the future structure adjustment most obvious will be County branch. According to the "plan", the future of all the county branches will be gradually transformed into three agricultural and financial Department of the operating unit, and add "Agricultural Bank of China Three Agricultural and financial department xx County (city) Sales department" brand. Under this framework, the future of the county branch staff structure will be adjusted, most of the backstage staff to the credit and other front office flow.　　The network can also be based on the different characteristics of the territorial economy, flexible set up business units. ABC said that in principle the county small enterprises, self-employed and farmers and other credit business approval authority to the county branch, so that its decision-making closer to the market and customers.　　The credit business approval of the large and medium-sized clients in the county is divided into three levels. "The main consideration is the localization of county finance, and the flexible adjustment of the front frame can further decentralize the management decision-making power and adapt to the needs of county economy development."　　"Agricultural Bank of Guangdong branch of the three Agriculture and finance department in charge of the reporter said.　　The difficulty of integration with all county branches of the country into the merger, with the birth of the Agricultural Bank of China's three agricultural and financial sector has become unprecedented size. However, this huge three agriculture and finance Department in the future how to achieve the Ministry of the establishment of the meaning of "separate cost and income accounting" has become a problem for AgBank. "County-level branch of the business, the three rural division of the establishment is greatly expanded, but this also increased the three agricultural sector integration of the Ministry of the Front and back of the resources of the difficulty."　　AgBank's people are very candid with reporters.　　According to ABC's business positioning, it will be mainly benefiting card as the carrier, to farmers small loans as a push hand to the county-scale financing and small and medium-sized enterprises in finance, so originally belong to the county branch of the management of large customers will face the situation of marketing authority, which is involved in the post and personnel adjustment is inevitable. "The overall restructuring process will be very complex, and current provincial branches are also discussing how to implement the planning of the headquarters." At present, the three agricultural division in the branch level of the backstage has not been completely independent, but each department has been in the internal single set up a team, the next step to do is a separate assessment. "ABC branch of Guangdong province said to reporters。 Our correspondent Locke