进一步发挥优质村镇银行示范引领作用

Core Viewpoint - Village banks play a crucial role in supporting rural economic development and promoting rural revitalization, but some are facing operational difficulties and rising risk levels, making integration essential for healthy industry development and financial risk prevention [1][3] Group 1: Integration of Village Banks - The integration of village banks is seen as a vital measure to enhance the industry's health and mitigate financial risks [1] - Well-rated and capable village banks should be prioritized during the integration process to maximize their positive impact [1][3] - Quality village banks have significant advantages in resource integration, allowing them to optimize branch locations, reduce operational costs, and improve service quality [1][2] Group 2: Financial Service Quality Improvement - Quality village banks can lead by example in enhancing financial service quality, tailoring credit products to local agricultural cycles and environmental factors [2] - They can develop financial service solutions for emerging industries like rural e-commerce and specialty agricultural processing [2] - Utilizing advanced financial technology, these banks can optimize online service channels, making it easier for farmers and small business owners to access services [2] Group 3: Risk Management - Quality village banks possess robust risk management systems and experience, which can be shared with integrated institutions to improve risk identification and control [2] - They can help establish liquidity risk management mechanisms and enhance internal auditing to prevent operational and moral risks [2] - By improving risk warning capabilities, these banks can help detect potential risks early and take timely measures [2] Group 4: Regulatory Support - Regulatory bodies should provide more policy support to quality village banks, encouraging their role in integration [3] - Incentives such as reduced business costs and positive evaluations for effective participating banks can stimulate their engagement [3] - Ensuring compliance and smooth integration processes through regulatory oversight is essential for protecting all parties' interests [3]