Is Beihai Rural Bank a formal national bank?

It is formal. With the approval of the China Banking Regulatory Commission, it is planned to establish Anqiu Beihai Rural Bank Co., Ltd. (referred to as "Anqiu Beihai Rural Bank") in Anqiu City.

Village banks are financial institutions established by the State Council to fill the gaps in financial services in rural areas and increase financial support in rural areas. The market positioning of village and town banks mainly lies in two aspects: first, to meet the small loan needs of farmers, and second, to serve local small and medium-sized enterprises. The main characteristics of rural banks are flexibility, convenience and efficiency. Why is it called "Beihai"? Beihai Bank was founded in the early days of the Anti-Japanese War. During the most difficult period of the Anti-Japanese War, Beihai Bank actively helped the masses restore and improve production conditions, and made outstanding contributions to the economic construction of the Shandong revolutionary base area. In 1948, North China Bank, Beihai Bank and Northwest Farmers Bank merged to form the People's Bank of China. The birthplace of Beihai Bank is Ye County, which is now Laizhou. As our originating bank, Laizhou Rural Commercial Bank was named after "Beihai" to pass on history. Our bank was initiated by Shandong Laizhou Rural Commercial Bank. It jointly held shares with five local companies and was approved by the China Banking and Insurance Regulatory Commission and the People's Bank of China. It is a formal bank with independent legal personality. Rural banks are joint-stock commercial banks, not state-owned enterprises. Generally, state-owned banks hold more than 50% of the shares, that is, state-owned commercial banks (such as Bank of China) hold the controlling shareholding, and the remaining part is invested by non-state-owned capital (such as some corporate shares). Currently, it has It's a bit like a policy bank.

The establishment of village and town banks has effectively filled the gap in financial services in rural areas and increased financial support in rural areas.

Village banks are independent commercial banks, which are funded by domestic and foreign financial institutions, domestic non-financial institutions, corporate legal persons, and domestic natural persons. They are established in rural areas and mainly provide services for local farmers, agriculture and rural economic development. Financial services banking financial institutions.

Rural banks are different from bank branches and are first-level legal entities. According to the "Interim Provisions on the Management of Village Banks", village banks have the following characteristics:

1. Region and entry threshold An important feature of village banks is that their institutions are located in counties and towns. According to the "Management of Village Banks" Interim Provisions", the registered capital of a village bank established in a prefecture (city) shall not be less than RMB 50 million; the registered capital of a village bank established in a county (city) shall not be less than RMB 3 million; in a township (town) The registered capital of a village bank established shall not be less than RMB 1 million.

2. Market positioning The market positioning of village banks mainly lies in two aspects: one is to meet the small loan needs of farmers, and the other is to serve local small and medium-sized enterprises. In order to effectively meet the local development needs of "agriculture, rural areas and farmers" and ensure the implementation of the policy of rural banks serving "agriculture, rural areas and farmers", the "Interim Provisions on the Management of Village Banks" clearly requires that rural banks are not allowed to issue off-site loans, and they can be used after paying deposit reserves. All funds should be invested in local rural development and construction, and then the remaining funds can be invested in other areas.

3. Governance structure As an independent corporate legal person, village banks establish and set up an organizational structure according to the organizational standards of modern enterprises. At the same time, in accordance with the principles of scientific operation and effective governance, the management structure of village banks is flat. , there are few management levels, it is not easy to be disconnected or delayed, the decision-making chain is short, the response speed is relatively fast, and the business process structure is relatively consistent with the financial capital requirements of the agricultural industry.

4. The innovation of the sponsor system and property rights structure of rural banks. The "sponsor system" refers to the regulations of the China Banking Regulatory Commission. There must be a commercial bank that meets regulatory conditions, has standardized management and good operating efficiency as the main sponsor. The shareholding ratio of banks and shareholders of a single financial institution shall not be less than 20%. In addition, the shareholding ratio of a single non-financial institution corporate legal person and its related parties shall not exceed 10%. Later, in order to encourage private capital to invest in rural banks, the China Banking Regulatory Commission issued the "Implementation Opinions on Encouraging and Guiding Private Capital to Enter the Banking Industry" in May 2012, which reduced the minimum shareholding ratio of the sponsoring bank to 15%, further promoting the rural banks. Diversified property rights structure.