As far as rural commercial banks are concerned, in order to build their own core competitiveness, they must pay more attention to local economy, base themselves on county territory and face small and medium-sized customers, farmers and communities.
Although the business philosophy of "one foothold and three orientations" has been called for a long time, under the influence of subjective and objective factors such as performance appraisal pressure and short-sightedness of managers, in fact, most rural commercial banks prefer to choose big customers, especially those with government background and real estate-related customers.
In the short term, the risk of these loans is much less than that of commercial or consumer loans, but the concentration of loans is equal to the concentration of risks. Once the market shows signs of trouble, few rural commercial banks can survive the darkness before dawn.
A few years ago, government platform loans took to the fast lane, and everyone rushed to lend desperately. Later, after some local government platform loans broke out, how many banks had to suffer? Big banks are powerful and can digest themselves quickly. What about small and medium-sized micro banks? Even a few years can't slow down this tone.
On the other hand, housing prices in third-and fourth-tier cities have increased by leaps and bounds in recent years, which is closely related to the unprincipled issuance of real estate development loans and mortgage loans by local rural commercial banks. If there are comrades who work in rural commercial banks, we can see if their bank loans in the real estate industry have exceeded the red line of 20%. I dare say there are few rural commercial banks that don't surpass it.
Therefore, in my opinion, the more important development direction of small and medium-sized micro-banks in the future is to return to the main business, deepen local characteristic industries, seize small and medium-sized micro-customers, dig deep into the professional market, support four new types of rural business entities, such as large-scale farmers, professional cooperatives, family farms and leading enterprises in agricultural industrialization, and become large-scale, multi-customer, spread risks, insist on being a small and beautiful bank, deeply integrate their own operations with the local economy, and establish a good reputation in the hearts of ordinary people.
Serve agriculture, rural areas and farmers, be close to rural areas and residents' communities, and do a good job in retail business.
Social retail bank
In recent years, with the sustained development of China's economy, many new banking institutions, especially small and medium-sized micro-banks, have been established one after another, mainly including a number of newly established private banks and banks established after the restructuring of some local city credit cooperatives. The establishment of small and medium-sized micro-banks has promoted economic development to a certain extent and eased the financing needs of small and medium-sized enterprises and private enterprises. Small and medium-sized banks have also developed rapidly in supporting economic development. By the end of 20 19, there were tens of thousands of small and medium-sized micro-banking institutions in China, including joint-stock commercial banks, city commercial banks, rural commercial banks, rural cooperative banks and private banks. Among them, rural commercial banks are the main force of small and medium-sized micro banks.
The development trend of small and medium-sized banks in the future. First, the development prospects are optimistic.
The main orientation and service object of small and medium-sized micro-banks is to serve the vast number of small and medium-sized micro-enterprises in China. It can be said that with the development of small and medium-sized enterprises, the development prospects of small and medium-sized micro-banks can be expected. Rural commercial banks, in particular, have unique advantages in serving "agriculture, countryside and farmers" and supporting rural economic development.
Second, the development process of small and medium-sized micro-banks will not be successful. Small and medium-sized micro banks, especially rural commercial banks, have outstanding advantages and obvious disadvantages as small and medium-sized banks. It is obviously at a disadvantage in the competition with state-owned banks. Whether it is asset scale, human resources, social reputation, scientific and technological level, etc. They cannot compete with the state-owned banks. In particular, the level of internal risk management is not high, and there are not many means to control and resolve risks. The benefits of loan enterprises are generally low, which determines that the benefits of small and medium-sized micro-banks and rural commercial banks will not be very high. The non-performing loan ratio is higher than that of state-owned banks.
Third, the homogenization of small and medium-sized micro-banks is serious and the competition is more intense. Tens of thousands of small and medium-sized banks and rural commercial banks in China. Its business is nothing more than deposit and loan financing business. The same business type and similar business model, without innovative business and characteristic business, will inevitably further aggravate the degree of competition. In the current economic situation, some poorly managed banks can still persist. Once the economy goes down, these poorly managed and poorly managed banks will definitely be eliminated.
Fourth, competition, mergers and acquisitions will be the main trends of small and medium-sized micro banks in the future. The fierce competition between small and medium-sized banks will accelerate the survival of the fittest. Thousands of small and medium-sized banks, especially rural commercial banks, must further strengthen their internal management, strengthen the meaning of risks, resolve non-performing loans, and enhance their service awareness in order to remain invincible in the future competition.
Small and medium-sized micro-banks can't be compared with rural commercial banks at present. Small and medium-sized banks are mostly local city commercial banks. In terms of scale and anti-risk ability, it is still not as good as rural commercial banks. Although rural commercial banks have problems in asset quality at present, they are large in scale, and the proportion of deposits in various places is still not small, and the liquidity of funds is much better than that of various city commercial banks. Judging from the economic situation in the past two years, small and medium-sized city commercial banks should first revitalize and improve the quality of assets, resolve the rising non-performing assets, release more funds for operation and generate profits. At present, the primary problem of rural commercial banks should be slimming and integration. Whether it is staffing or network configuration, we must step up integration and optimization. According to the staffing of rural commercial banks, I think it is entirely possible to imitate the four major banks to set up special asset management and disposal departments. As everyone in the industry knows, the biggest and worst non-performing assets in China are rural commercial banks. Haha, if this part can be revitalized, it will not be a problem building.
Merge, give full play to their respective advantages, and become bigger and stronger.
yellow
Although the scale and volume of rural commercial banks can't be compared with large commercial banks, their unique advantages are short business chain and flexible products. Personally, credit business supports the real economy, effectively serves agriculture, countryside and farmers, and further innovation of retail business is its development direction. However, there are many shortcomings in rural commercial banks, especially in poor management and risk prevention and control, which need to continuously improve management level, lay a solid foundation and control risks sustainably; At the same time, the higher deposit cost also restricts the development of asset business to some extent. Taking deposits and lending are still the main businesses. Although rural commercial banks lend fast, the financing cost is too high, which is essentially related to the high cost of absorbing deposits. In order to achieve long-term development, we must optimize and adjust the customer structure and credit structure, rely on asset business to promote the overall retail business development, and realize the organic combination of customer service and customer feedback through the contribution of excellent customers and preferential customers to improve customer loyalty. Humble opinion!