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农信改革活力常续

2017-09-20 09:12:19   中国经济网

在湖南,随着今年6月湖南沅江农村商业银行挂牌开业,至此,湖南省又一家高风险农信社卸下了“历史包袱”。截至2017年6月末,湖南省农商银行总数达97家。目前,湖南余下的5家农信社改制工作顺利推进,其中嘉禾县、祁东县农商银行已获批筹,株洲县、桂阳县联社已进入农商银行申筹阶段,岳阳联社的不良贷款清收和清产核资工作全面完成。

改革一路走来是不断发现和解决问题的过程。

产权不明晰所带来的一系列问题是当初农信社走上改制之路的根本原因。如今,部分地区依然还存在这样的困扰,不过随着改制的推进,都已经走在目标明确的道路上。另一阻碍则是伴随农信社多年的资产质量问题。

回望5年征程,解决这些问题主要通过政府土地置换不良资产、注入资金,投资人注入资金,政策支持消化不良来解决。有不少地区为消化不良采取了“好社带坏社”的改制模式,即“好社”对“坏社”进行战略投资。据记者了解,在四川、湖北、江苏等地此种模式都十分受用。事实也证明,组建成农商银行后这些投资都很成功。

此外,寻觅合适的股东入股也是农信社改制要面对的大问题。

记者了解到,江苏的农信社在改制中找大股东就曾遇到一定难度,理论上,农信社会侧重于找有社会责任感、支持“三农”和小微企业的股东,但缺点在于农信社经营权和所有权分开,股东左右不了经营方向。好的现象是,目前看来,江苏地区还没有定位偏离的农商银行。

但新常态下又出现了新难题。这5年间,经济环境一度呈现“四降一升”的状态,即经济增速下降、工业品价格下降、实体企业盈利下降、财政收入增幅下降、经济风险发生概率上升。这也在一定程度上影响了正在寻找股东的农信社。

回忆起贵州六盘水农商银行组建时的情况,该行一位负责人告诉记者:“当时征集发起人,实行意向性登记,进行增资扩股。由于经济下行,很多企业经营困难,没有充足的资金缴纳股金,只得重新调整股东名单。”

面对新问题,这5年在农信改制中对于政府作用,强调“更好发挥”,不是“更多发挥”,集中精力抓好那些市场管不了或管不好的事情。有了政府和监管部门的支持和推动,农信社在改制路上走得更加铿锵有力。

成熟一家 改制一家

“成熟一家,改制一家”,这是银监会对农信改制提出的最新要求。

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