Knowledge Questions and Answers of Guishang Village Bank in Guangyuan City

1. What is a village bank? What's the difference with other banks?

Village Bank is a joint-stock commercial bank approved by China Banking Regulatory Commission in accordance with relevant laws and regulations and jointly funded by domestic and foreign financial institutions, domestic non-financial institutions, corporate legal persons and domestic natural persons.

Village banks, like other commercial banks, belong to banking financial institutions, and there is basically no difference in handling RMB deposit and loan business. The main difference between them is the difference in scale, system and service center: other commercial banks are generally large in scale, with heavy traditional system, and customers prefer large enterprises and large loans; However, rural banks are generally small in scale and relatively new in system, mainly serving farmers and community residents, individual industrial and commercial households and small and micro enterprises. It is a financial institution established to solve the problems of low coverage and insufficient financial supply of banking financial institutions in rural and county areas.

Two, Guangyuan Guishang Village Bank is a municipal village bank. What's the difference with other rural banks?

Municipal village banks can set up branches in all counties (districts) and towns within their jurisdiction, and county-level village banks can only set up institutions in their counties. Compared with county-level village banks, municipal village banks have wider service areas, more flexible service methods and broader development prospects. Since the first 1 village bank was approved in early 2007, more than 540 village banks have been established in China, but only1/village banks are located in prefecture-level cities. Guangyuan Guishang Village Bank Co., Ltd. (hereinafter referred to as Guangyuan Guishang Village Bank) will serve all districts and counties in Guangyuan City, implement the service purpose of village banks and make positive contributions to the economic development of Guangyuan City.

3. What is the shareholding structure of Guishang Village Bank in Guangyuan City? Is it a private bank?

Village banks are not private banks, and private shareholding does not mean "private". Liu Yonghao invested in Minsheng Bank, but Minsheng Bank is by no means a private bank. Village banks are typical joint-stock commercial banks, and the state requires that their only major shareholder must be a powerful bank, and all other shareholders are minority shareholders. The nature of banks determines their attributes as public financial institutions. Guishang Village Bank in Guangyuan City is a joint-stock commercial bank with independent legal personality, which was approved by China Banking Regulatory Commission and initiated by Guiyang Bank. Among them, the sponsor bank, Guiyang Bank, holds 565,438+0% of the shares, and Guiyang Bank is a state-controlled joint-stock commercial bank. In its share capital of nearly 6,543,880.8 billion yuan, the proportion of state-owned shares reaches more than 55%. The state-owned asset management companies of Guiyang Municipal Government and Zunyi Municipal Government hold certain shares on behalf of the government, while some well-known listed companies such as Kweichow Moutai, Kweichow Tire, Times Publishing, Zhongtian Chengtou and Haite High-tech are all shareholders of Guiyang Bank. Therefore, it can be seen from the proportion of ownership structure that Guishang Village Bank in Guangyuan City is a state-controlled joint-stock commercial bank, not a "private bank".

4. Why do joint-stock banks have to be sponsors? What is the relationship between the host bank and the village bank?

According to the Guidelines for the Examination and Approval of the Establishment of Village Banks, the establishment of village banks requires at least/kloc-0 banking financial institutions, and the shareholding ratio is not less than 20%. At the same time, joint-stock commercial banks, as promoters, can take advantage of their financial services to provide business guidance, risk prevention and control and improve corporate governance institutions for rural banks.

Village banks and host banks are two different independent corporate entities. Village banks enjoy all legal person property rights contributed by shareholders, enjoy civil rights according to law, and bear civil liabilities independently with all legal person property. As one of the shareholders, the sponsor bank enjoys the right to return on the assets of the village bank, the right to participate in major decision-making and the right to choose managers, and is liable for the debts of the village bank to the extent of its capital contribution or subscription of shares.

Verb (abbreviation of verb) What kind of bank is Guiyang Bank? Can Guishang Village Bank in Guangyuan City support it?

Guiyang Bank is a state-owned medium-sized joint-stock commercial bank initiated by shareholders of 25 urban credit cooperatives in Guiyang and Guiyang Finance Bureau in April 1997. It has more than 2,400 employees and 95 business organizations. At present, the registered capital is17.99 million yuan. By June 30, 20 1 1, the total assets of the whole bank reached 7655. Guiyang's financial market share is about 19%, and its deposit share ranks third in Guiyang. In addition to Guiyang, Guizhou Province, Guiyang Bank has also set up branches in Zunyi, Bijie and Kaili, Guizhou Province. 20 1 1 At the beginning of the year, with the approval of China Banking Regulatory Commission, a branch was established in Chengdu. In the "20 1 1 China Commercial Bank Competitiveness Evaluation Report" published by China Banker magazine, the comprehensive ranking ranks first among the nine commercial banks with assets ranging from 50 billion yuan to 0 billion yuan. It has strong management ability, technical level and sufficient financial service experience, and can provide services for your commercial rural bank in Guangyuan City.

6. Why is Guishang Village Bank in Guangyuan City "Guangyuan people's own bank"?

(1) Guishang Village Bank of Guangyuan City is the first municipal commercial bank in Guangyuan City, and its legal person registration place is Guangyuan City. So far, Guangyuan City is the only independent corporate bank in the city;

(2) Guishang Village Bank of Guangyuan City can set up branches in all districts and counties of Guangyuan City, covering Guangyuan, but it is also limited to Guangyuan. From the day it was founded, it shared the same fate with Guangyuan and was a part of Guangyuan.

(3) Most of the 65,438+06 shareholders of Guishang Village Bank in Guangyuan City are local enterprises and natural persons in Guangyuan; Most employees of Guishang Village Bank in Guangyuan City are recruited locally in Guangyuan.

(4) Guishang Village Bank of Guangyuan City is a commercial bank specially established to serve small and medium-sized enterprises, micro-enterprises and urban and rural residents in Guangyuan. The funds it absorbs in Guangyuan will be taken from Guangyuan and used in Guangyuan, all of which will be used to support the economic development of Guangyuan, and cannot and will not be used outside Guangyuan.

Therefore, our Guishang Village Bank in Guangyuan City is positioned as "Guangyuan people's own bank".

7. What are the current business outlets and businesses of Guishang Village Bank in Guangyuan City? What are the future development plans?

At present, Guishang Village Bank in Guangyuan City has first-class business institutions such as the head office business department, Wangcang Sub-branch and Baolun Sub-branch. Qingchuan Sub-branch, Cangxi Sub-branch, Chaotian Sub-branch and Yuanba Sub-branch will be established before the end of 20 12, and secondary sub-branches will be further established if conditions permit. At present, Guishang Village Bank in Guangyuan City is mainly engaged in absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic settlement; Handle bill acceptance and discount; Engage in interbank lending; Engaged in bank card business; Acting as an agent to issue, honor and underwrite government bonds; Acting as an agent to collect and pay money and other businesses approved by insurance agency business and banking supervision and management institutions.

Guangyuan Guishang Village Bank will adhere to the service tenet of "prospering local economy and serving urban and rural residents", adhere to the enterprise spirit of "taking proper business as the guide and focusing on one side", strengthen the market positioning of "serving local, small and medium-sized enterprises and serving agriculture, rural areas and farmers", and strive to become a new bank with a certain brand awareness.