The village bank asked the Prime minister

The two recommendations of Heng Sheng Village Bank were taken seriously by Mr. Zhou Xiaochuan, central bank governor and chairman of the CBRC, who came to visit with Premier Wen Jiabao. Intern reporter Zhu Jian "One is small village banks, profitability is weak, whether to implement tax relief policy?" Second, the proposed release of the village bank deposit interest rate restrictions. "On the morning of August 23, on the scene of Premier Wen Jiabao's visit to Wenzhou--Heng Sheng Village and Township Bank, Li Zhicun, chairman of Heng Sheng Village Bank, advises the prime minister and the accompanying Governor of the People's Bank of China, Zhou Xiaochuan, chairman of the Chinese Banking Regulatory Commission."　　In fact, this is also the village and village Bank as the representative of the rural financial sector in the common voice. According to data released by the China Banking Regulatory Commission, as of the end of June this year, 118 new rural financial institutions have opened in the country, including 100 township banks.　　From the operating situation, most institutions have realized profits, this year cumulative profit of 40.74 million yuan. The demand of sample samples the Li Zhicun, chairman of the village bank, said in an interview with Zhejiang merchants: "The establishment of village and township banks is to solve the problem of financing for the disadvantaged customers in the credit services such as ' three agriculture ', micro-enterprises and individual businesses." Zhejiang Province currently has a total of 10 village and township banks, as an example of Heng-Sheng Village Bank, as a result of the opening of the April 21 this year to see the results, but this is relative to Wenzhou such a ' capital Living water zone ', we think the scale is still small, there is a big increase in space　　"However, as Li Zhicun suggests, the profitability of village banks is indeed weak." "We as a small bank, the wings are not yet full, clearing channels are not smooth, and the brand does not sound, the public awareness is not high, I hope the Government and relevant departments to support vigorously." Heng Sheng Village Bank Governor Zhang Songno said. Heng-Sheng Village Bank opened April 21 this year, 4 months to absorb deposits of more than 220 million yuan, the issue of 187 million yuan loans. Most of its loans at low interest rates (secured loans 9%, mortgage 5%), to 2.25% of the annual deposit rate estimates, Heng-Sheng village and township banks since the opening up from the gap between the gross profit from the loan is only millions of yuan. Heng Sheng Village and township banks in charge of the financial department told the "Zhejiang Merchants" Reporter: "profit also to subtract business tax, tax levy and pay about 15% of gross profit." We hope that this part will be able to reduce the majority of our funds to increase our own capital for business development and risk control to provide stamina. "In order to understand the situation of the loan customers, we use the ' one watch two listen to three" survey method: Look at the product with eyes, ears to listen to character, and then through the human line credit system to view the record. To this end, the bank staff to Zoucunchuanhu, which produces a higher human cost than other banks. "The Village bank as a part of the financial market, the proper profit is in line with its essence, while the profit itself is the best guide to the People's capital into the village bank," said Wuzhong, vice president of the Village bank. Therefore, we propose to gradually open up the idea of deposit rate restrictions. "He told the Zhejiang Business reporter," Heng-Sheng Village Bank of the two recommendations by the central bank governor Zhou Xiaochuan and the chairman of the CBRC Liu MingKang's attention: "Although there is no specific policy, but they insist on a moderately loose policy background, credit will further tilt to the village and township banks to better serve the ' three Farmers ' service." "In the next three years, the new thousands of villages and towns Bank, July 28, the China Banking Regulatory Commission released a message that the next 3 years, plans to the existing scale of about 10 times times to continue to expand rural finance.　　Among the 1294 expansion plans announced by the CBRC in the next three years, the number of village and township banks has accounted for 1027, with a loan company of 106. The village bank has a promising future and attracts a lot of private capital. The banks are also open to this. "Village and township banks as a new thing need policy guidance, so Hengsheng shares by the Ouhai Rural Cooperative Bank, holding more than 35% of total equity shares." But we will also introduce normative private capital equity participation. It is reported that Hengsheng bank by the Saint-Angelo Group, Hongxin Elevator Sales Co., Ltd., Red Dragonfly Group and other 21 private enterprises, holding more than 59% shares.　　Among them, the Saint-Angelo Group has the largest shareholding, 10%.　　In June this year, the CBRC promulgated the Interim Regulation on the restructuring and establishment of a small loan company to establish a village and township bank, which will open the door to a small loan company for promotion to a village bank--even if there are many thresholds in terms of age and ownership structure, it does not prevent a large influx of people The provision clearly stated that the establishment of more than three years, and continuously in the two fiscal year to achieve profitability of microfinance companies, can be transformed into village and township banks according to regulations. Although most microfinance companies have just passed their first birthday, they still have a certain distance from the rules.　　But even in the face of the difficulties of being able to borrow money, its operators have expressed a large degree of optimism. We also understand that the ' servant girl ' is Concubine ' easy, ' concubine ' again to be ' positive ' difficult. "Wenzhou Yong Jia Rifung Microfinance Company, a senior who does not want to be signed," the former walk in the gray area of the people's capital, limited to a variety of reasons can not directly participate in the bank, turn to choose through the micro-loan company curve into the path. Although the second, but in the financial industry, the big house, the return on investment is high, compared to other sectors of the risk is relatively small; "Perhaps based on such optimism, Wenzhou private enterprises have again launched a small loan company enthusiasm."　　It is reported that Wenzhou yueqing, Ruian, Yongjia, Cangnan, Ouhai and other land are in the launch of the second microfinance company's formation work. Xia, a special economist of Zhejiang merchants, Wen Jiabao personally inspected the village and township banks, let people see the long-term difficult to solve the rural "small financial" dawn. It is not complicated to solve the development problem of rural "small financial institutions" in "agriculture, countryside and farmers", and the key is three: after strictly delineating the regional boundary of its operational activities, one is that if the government wants to nurture it, it should give preferential policies such as taxation. The second is to prevent "food is not the same." It is absolutely impossible to regulate the practice of international advanced banks, and it is absolutely impossible to regulate the large banks in the developed coastal areas, that is, the so-called advanced regulatory viewIt applies to small financial institutions in rural areas of China's vast mountainous regions and remote and backward areas. In some regulatory concepts and practices, "to the back". Three is to go to the countryside to find ways. We must fully believe in the wisdom of the vast majority of the people in rural areas and fully respect their practice. The "land" approach, inconsistent with western textbooks, may be the most conducive to improving and solving China's "three rural" financial policy.