Return to County market: CCB launched hundreds of village and township banks in 1 August

CCB is Sato, relying on village and township banks to return to the county market. July 8, close to the construction Bank of the news reporter disclosed that the CCB set up a village bank holding company's program has been approved in principle by the State Council, but currently CCB has not received a formal licence, "there are some procedures to go."　　The holding company will be established jointly with the Spanish bank of Santander. The company also formulated a plan to open 100 village and township banks by the end of 2011 with the strategic intention of returning to the county market in the form of village and township Banks, said the source. "If it succeeds, CCB and Santander will have far more than 100 appetites."　　"Construction Bank of the storm behind the storm, is the village and town banking licensing competition for the white-hot." According to the CBRC's plan, 1027 village and township banks will be set up nationwide by 2011. 100 of CCB's planning accounted for 10%.　　Bank of BOC and People's livelihood and other banks, the opportunity for small and medium-sized banks has not been much.　　Some industry insiders predict that 2011 years later, the issuance of village and township banking licences will be tightened, and large and medium-sized banks with the holding company model "exerting force" will seize most of the licences, small banks only to speed up progress, as early as 30 of the scale, to occupy the first opportunity. Hundreds of villages and towns bank strategic Banking Regulatory Commission in April, the correspondent said, "only CCB's plan to report to the State Council."　　This reporter July 8 contacted the CBRC specifically responsible for village and Township Bank holding company Scheme design people, the reporter declined the interview. Since June, CCB has opened 4 village and township banks and the number of villages and towns has reached 7.　　The former said the source said that the construction bank has been approved to build more than 20 village and township banks, to the end of the year will break through 30. And CCB's ambitions are much more than that, and it has plans to build 100 village and township banks by the end of 2011.　　According to the CBRC "new rural Financial Institutions 2009-2011 Overall Work Arrangement" (hereinafter referred to as "three-year Plan"), by the end of 2011, the country will set up 1027 village and township banks, which means that CCB will monopolize the three-year plan number of nearly 10%. Hundreds of villages and towns bank plans to achieve the carrier will be village and Township Bank holding company. The company will be owned by CCB, which is scheduled to be listed before the end of the year and will be loaded into the company's existing village and township banks.　　The holding company is mainly engaged in investment and establishment of village and township banks, the implementation of equity management, operation Support and management services. The mode of holding company is favored by large and medium-sized banks because it can reduce management cost and improve management efficiency. "Once a town bank had to be discussed by a board of directors, it could now give the holding company a sum of money and let the holding company scale up to set up a village bank."　　Said a person at Minsheng Bank who invests in a village and township bank.　　CMBC and BOC both participated in the June 22 meeting of the Banking Regulatory Commission's "village and township bank holding Company", both of which were interested in forming a village bank holding company. But according to CCB's plan, it is not a matter of giving the holding company a sum of money. "The village bank will rely on the development of CCB, said the source, which is also the advantage of CCB's village and township banks. First, CCB will help village and township banks solve the exchange settlement problem. Village and township banks close to the CCB Branch network, bank card business, Exchange settlement business through the CCB agent.　　In this way, the village bank is no longer a lone point, but the whole network of CCB, a point, to achieve the national withdrawal. After settlement of the exchange settlement, village banks will be less difficult to absorb deposits, and CCB will provide wholesale funds to village and township banks.　　At the same time, the bank can get some income from solving the problem of financing of rural banks. Second, CCB will export talent and management. 100 Village banks need to export at least 100 presidents and 100 finance directors, which will be overwhelmed by other small banks, but not as much pressure on CCB. "The head of a branch will be the governor of any village bank." "It is a fancy relying on the construction Bank of the village and township banks will have many advantages, Spain Santander chose to cooperate with the construction Bank of China's county-level financial market, rather than as HSBC to open their own village and township banks."　　HSBC currently has 7 village and township banks in China, but one of the big problems is the inability to link scattered points into a net. However, the construction bank will still face some challenges. "The biggest challenge is whether we can really adapt to the county market." "A village bank regulator said the small bank is a little customer, and its village and township banks to do a single loan of 350,000 of customers feel" natural ", but the big banks do accustomed to large customers, often in the county area," not find the feeling. "　　It may not be possible to run a village bank by sending a branch governor from a big city to be the governor of a village bank.　　Licensing battle the town and village banks currently have a two-day pattern of ice and fire, some banks have no interest in village and township banks, and the CBRC needs to mobilize from the angle of "fulfilling social responsibility", but others are aware of the repeatedly of licensing resources. "The CBRC has spared no effort to encourage the establishment of village and township banks in order to complete the three-year plan, but when the three-year plan is completed, the thinking of the regulator may instead be to restrict new licences."　　"A city firm executive said July 8 that the focus of the bank this year and next will be on the launch of a village bank, which has been temporarily postponed. Its tightening of the licence is based on the expectation that by the end of next year the village and township banks will reach more than 1000, will greatly test the regulatory capacity of regulators, some local banking regulatory authorities are already reflecting the "lack of manpower, inadequate supervision." After the rapid development of these two years, the town bank may be exposed to many problems, the regulator may turn the focus to "regulate the development of village and township banks", so that the number of village and township banks in the 1000 "total plate".　　The town bank licence will then become "Sweet and pastry". Small banks (city firms, agricultural firms) is also eager to think that large and medium-sized banks will seize most of the license. "The CCB is ready to monopolize 10% of the licence, BOC and Minsheng Bank to join, leaving smallBanks will be more limited in space.　　"said the governor of a farm firm. In addition, some small banks want to bring their village and township banks to the size of 30 as soon as possible to apply for a holding company licence.　　The CBRC April 22 issued a dispatch "on speeding up the development of new rural financial institutions related matters Notice", clearly set up more than 30 village banks can apply for the formation of village and Township Bank holding company. This means that the town bank holding company licence will not only be unique to large and medium-sized banks.　　The press has shown that more than 10 small banks have since May significantly accelerated the pace of the launch of the establishment of village and township banks, the goal is to reach 30 before 2011. Some city firms even hope that village and township bank holding companies will be able to divest themselves of separate listings. "Village and township banks can apply for a branch after a certain period of time, to set up branches in neighboring counties, the number of institutions and the size of assets can be exponentially expanded."　　Senior executives said the holding companies with 30 banks would be of great value. The village bank is no longer a chicken. "In some of the more developed areas of the county economy, the competition for licence resources has become white-hot, and our coordination is difficult."　　"The Bank of the central province, the banking supervision of township banks, said. But the personage thinks, the small bank horse-race enclosure needs to be capable of, the small bank does not have the national network like the construction Bank, also does not have the formidable talented person output ability, also cannot withstand so intense net capital consumption.