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1. Village banks refer to banking financial institutions established in rural areas with the approval of China Banking Insurance Regulatory Commission according to relevant laws and regulations, and funded by domestic and foreign financial institutions, domestic non-financial institutions, corporate legal persons and domestic natural persons, mainly providing financial services for local farmers, agriculture and rural economic development.
2. The establishment of rural banks has effectively filled the gap in financial services in rural areas and increased financial support for rural areas. The market positioning of rural banks mainly lies in two aspects: one is to meet the needs of farmers for microfinance, and the other is to serve local small and medium-sized enterprises.
3. In order to effectively meet the local development needs of agriculture, rural areas and farmers and ensure the implementation of the policy of rural banks serving agriculture, rural areas and farmers, the Interim Provisions on the Administration of Rural Banks clearly requires that rural banks shall not issue loans in different places, and all the available funds shall be invested in local rural development and construction after paying the deposit reserve, and the remaining funds can be invested in other aspects.
The ID cards held by China people and mainland residents are called "China ID cards". On April 6th, 1984, Chinese mainland began to implement the resident identity card system. The State Council issued the Regulations of the People's Republic of China on the Trial Implementation of Resident Identity Cards. And began to issue the first generation of resident identity cards. The first generation of resident identity cards were formed by printing and photo remake technology, which was easy to be forged.
5. As an independent enterprise legal person, village banks establish and set up their organizational structure according to the organizational standards of modern enterprises. At the same time, according to the principle of scientific operation and effective governance, the management structure of rural banks is flat, with fewer management levels, short decision-making chain and relatively fast response speed, and the business process structure is more in line with the financial capital requirements of agricultural industry.
6. Innovating the "sponsor system" of rural banks means that the CBRC stipulates that there must be a commercial bank that meets the regulatory conditions, standardized management and good operating efficiency as the main sponsor bank, and the shareholding ratio of shareholders of a single financial institution shall not be less than 20%. In addition, the shareholding ratio of a single non-financial institution, enterprise legal person and its related parties does not exceed 65,438+00%. In order to encourage private capital to invest in rural banks.