中小银行要聚焦主责主业

Core Viewpoint - The People's Bank of China emphasizes the need for small and medium-sized banks to focus on their primary responsibilities, particularly in providing financial services to agriculture and small enterprises, thereby enhancing the modern financial system's adaptability and competitiveness [1] Group 1: Role of Small and Medium-Sized Banks - Small and medium-sized banks play a crucial role in supporting agriculture and small enterprises, with their loans to small businesses and agriculture accounting for 47% and 40% of the respective total loans in the banking sector [2] - These banks leverage their local knowledge and relationships, allowing them to identify creditworthy borrowers that larger banks may overlook, thus turning perceived "risky" loans into quality loans [2] Group 2: Challenges and Deviations - Despite their successes, some small and medium-sized banks have deviated from their core mission, leading to a decline in agricultural and small business loan balances [2][3] - Issues such as inaccurate reporting of small business loans and misallocation of funds to larger enterprises instead of intended small businesses have been identified, raising concerns about the integrity of their lending practices [2][3] Group 3: Recommendations for Improvement - To address these challenges, regulatory bodies are urged to enforce stricter assessments and establish clear rules and penalties to ensure compliance with inclusive finance policies [3] - Collaboration among various departments is necessary to improve the financing guarantee system and facilitate the issuance and management of inclusive loans [3] - Small and medium-sized banks are encouraged to refine their focus on identifying and nurturing potential small clients, fostering mutual growth and success [3]