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农信改革活力常续

2017-09-20 09:12:19   中国经济网

■本报记者 李林鸾

【农村金融时报】

兵无常势,水无常形,市场在时代的变迁中也迎来了新常态。认识新常态、适应新常态、引领新常态,注定成为当前和今后一定时期内我国经济发展的大方向。

过去5年是国内银行业重要的历史时期。在新常态下,金融市场参与者呈现出新的生长姿态,其中,一个叫“农信社”的群体正在慢慢消失。

自2000年江苏省农信社启动试点改革以来,全国农信系统改制可谓风雨兼程。从试点先行到合作银行再到全面银行化改革,自银监会明确农信改制改革的路径后,在2013年—2017年这5年征程中,农信系统按照加快向现代金融企业过渡的改革总体目标,不断推进以“明晰产权关系、完善法人治理结构”为核心的农信社产权制度改革,国务院深化农信改革试点取得了重大成果,一个脱胎换骨的新农信开始展现在世人面前。

银监会数据显示,截至2017年7月末,全国农村金融机构(包括农村商业银行、农村合作银行、农村信用社和新型农村金融机构)总资产达32万亿元。同时,根据去年9月份银监会发布的数据,截至2016年9月,全国已开业农村商业银行总数达到1071家,资产规模达到19万亿元,总存款余额14.4万亿元,总贷款余额9万亿元,净利润1446亿元,网点数量4.6万余个。农商银行积极履行服务“三农”、金融扶贫的社会责任,已成为我国金融业中举足轻重的一支中坚力量。

全面银行化改革

不良贷款比例高、公司治理水平低等标签,让业界对农信社的印象一直停留在“背着沉重的历史包袱”阶段,改制似乎成为卸下包袱的唯一路径。

“高风险机构全面处置,历史亏损挂账全面消化,股份制改革全面完成,现代农村银行制度基本建立,主要监管指标达到并持续符合审慎监管要求,农村金融服务功能与核心竞争力显著提升。”面对监管层提出的5年改制目标,各地农信社反馈各异。

江苏省的农信改制一直走在前边。作为第一个改制试点,2001年,江苏已经有3家农商银行,到2012年底剩4家还未改制。2016年,62家农商银行已经全部组建完成。江苏省联社相关负责人告诉记者,跟5年前相比,如今的江苏农商银行有了很大进步:在县域农商银行已成为领头羊,资产总量在江苏省银行业遥遥领先,公司治理方面也有明显提高。

同为已经完成改制的地区,湖北某市银监局副局长向记者介绍了改制经过:“5年前,我们市的各个农信机构资产质量都有限。也是因为还是戴着农信社的‘帽子’,在管理水平、公司治理以及员工素质等方面都有待提高。经过改制,到现在全市农信机构资产规模增加了一倍多,各方面水平都有明显提高。”

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