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银监会有关负责人:中小金融机构不宜搞业务多元化

2017-08-28 16:51:16   中国经济网

在近日财新智库与金青智库联合主办举办的“中国金融青年高峰论坛”上,全国金融青联主席、中国银监会农村中小金融机构监管部主任郭鸿表示,中小金融机构要注重业务的本地化,下沉服务中心,不宜搞业务多元化和跨区域经营。

郭鸿认为,全国金融工作会议提出,要促进金融机构专业化、突出并做优主业,要坚持大中小相结合,各类金融机构要加快转变经营模式,做优主业,做精专业;金融机构要从满足大批量、规模化的需求转向更重视满足个性化、差异化、定制化的需求。“这些要求对农村中小金融机构具有很强的针对性和指导性,为其改革发展目标和市场战略定位进一步指明了方向,起到了正本清源的作用。”

郭鸿以村镇银行的实践举例,约500家的村镇银行的资本利润率超过银行业的平均水平,这主要来自很高的净息差收入。目前全国村镇银行平均净息差为3%,其中西部地区净息差为4.3%,贫困地区净息差为4.6%。而全国银行业平均净息差为2.05%。很多村镇银行实际上是有效地补充了农村金融服务供给不足的问题,而且不仅活下来了,而且活得很好。浙江的温州鹿城农商行与台州银行,这两家小银行分别到中西部地区设了十家左右的村镇银行,他们所设的村镇银行的资产回报率、资本回报率包括净息差要远远高于母行的水平。实践证明,“农村中小金融机构在坚守支农支小定位,增加农村金融供给方面,不仅可为,而且大有作为。”(经济日报-中国经济网记者 袁勇)

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