定位之辨： 什么是农信的DNA?

Core Viewpoint - The article emphasizes the unique positioning and mission of rural credit cooperatives (农信社) in China, highlighting their role in serving the "three rural issues" and small enterprises, distinct from traditional commercial banks [1][5]. Group 1: Historical Context and Current Positioning - Rural credit cooperatives have been operating for over 70 years, making them the only uninterrupted financial institution in New China, contributing significantly to the "three rural issues" [1]. - The central financial work conference in October 2023 stressed the importance of understanding the political and people-oriented nature of financial work, necessitating a deeper analysis of the positioning of rural credit cooperatives [1][6]. Group 2: Operational Resilience and Financial Health - A survey conducted by the National Financial Supervision Administration revealed that 189 quality institutions, including 162 rural cooperative institutions and 27 village banks, showed good operational conditions and resilience despite various pressures [2]. - As of September 2024, the surveyed institutions had total assets of 17 trillion yuan and loans amounting to 9.3 trillion yuan, with an average non-performing loan rate of 1.2% and a capital adequacy ratio of 15.2% [2]. Group 3: Mission and Sustainable Development - The article discusses the need for rural credit cooperatives to maintain their mission of serving the "three rural issues" and small enterprises, emphasizing the importance of resisting the urge to prioritize profit maximization [3][4]. - It is highlighted that commercial sustainability does not equate to profit maximization, and cooperative finance has proven to be more stable and sustainable compared to purely commercial financial entities [4]. Group 4: Governance and Future Direction - The article stresses that rural credit cooperatives should not be viewed as ordinary commercial banks and must adhere to their foundational principles, aligning with the central government's requirements for financial work [5][6]. - The focus should be on deepening local engagement, enhancing service quality, and solidifying their role as a primary force in supporting agriculture and small enterprises [6].