Rural credit cooperative association of Zhanyi District, Qujing City(qu jing shi zhan yi qu nong cun xin yong he zuo lian she )

Work plan of Qujing City to support banking financial institutions to reduce non performing loan ratio

In order to support the banking financial institutions to reduce the non-performing loan ratio, effectively resolve the credit risk, improve the quality of credit assets, promote the sustainable and healthy development of Qujing banking industry, and better serve the local economic and social development, the following work plan is formulated.

full text

1、 Target task

In 2019, the ratio of non-performing loans of financial institutions in the city's banking industry will drop to about 5%, close to the average level of the province in 2020, and meet the regulatory standards for a long time after 2021.

2、 Working measures

（1） On the main responsibility of banking financial institutions

1. Resolve the risk of stock disposal. The municipal financial office will take the lead to conduct a comprehensive investigation of financial risks, find out the bottom line, establish a local financial risk information database, and carry out list management. The hidden risks and stock risks identified by the investigation shall be included in the monitoring, research and judgment, and timely resolved and disposed of; the insurance supervision branch of Qujing bank, Qujing central sub branch of the people's Bank of China, and the municipal financial office shall take the lead to urge all banking financial institutions to formulate annual non-performing loans in accordance with the principles of "one bank (community) one policy", "one industry one policy", "one place one policy" and "one enterprise one policy" In addition, we should strengthen the legal collection of loans, batch transfer, restructuring and cash collection, actively promote the market-oriented operation of collection and disposal, and deal with non-performing loans by category. All banking financial institutions should strengthen the communication and connection with tax departments, make full use of loan verification policies, and increase the intensity of loan verification. Small and medium-sized financial institutions in rural areas should strictly implement the "three-year plan for risk disposal" and do a good job in risk resolution and disposal. All banking financial institutions should actively strive for policy preference and financial support from superior banks in terms of credit scale, risk resolution and non-performing loan disposal, so as to accelerate the work of non-performing loan disposal. (responsible departments: Qujing central sub branch of the people's Bank of China, Qujing Insurance Bureau, Qujing finance office, Qujing Taxation Bureau, banking financial institutions)

2. Strictly control the new risks. All banking financial institutions should, in strict accordance with the "guidelines for the implementation of unified credit system for commercial banks", put forward the risk prevention gate, implement the four credit management principles of "the unification of credit subject, credit form, credit in different currencies and credit object", strengthen the inter-bank cooperation and exchange of credit work, and solve the internal institutional problems. Qujing Central Branch of the people's Bank of China, i.e. the assessment requirements of macro Prudential assessment system and the regulatory rating requirements of Qujing branch of Bank of China Insurance Regulatory Bureau, shall be strictly implemented, and the problems existing in risk management shall be found and rectified. It is necessary to strengthen risk prevention and control education, carry out staff compliance culture construction, financial risk prevention business knowledge and professional ethics training at least twice a year, enhance staff's awareness of financial risk prevention and control, and improve the legal compliance management level. (responsible departments: Qujing central sub branch of the people's Bank of China, Qujing Insurance Bureau, Qujing finance office, Qujing Taxation Bureau, banking financial institutions)

3. Strengthen the prevention and control of credit risk. All banking financial institutions should strictly implement the five level classification of loans, carefully analyze the loan situation and strengthen the management of non-performing loans in accordance with the letter of responsibility for risk prevention and control signed with the Bank of Qujing Insurance Regulatory Bureau; establish credit risk monitoring accounts, closely monitor key regions, key industries and key customers, implement the full caliber statistical analysis system, and report to Qujing on the 15th of each month The bank and Insurance Regulatory Bureau submitted the credit risk situation of last month. Each bank shall formulate a major sudden credit risk disposal plan and report it to Qujing bank insurance supervision branch and municipal financial office, so as to properly handle the credit risk in a timely manner. (responsible department: banking financial institutions)

4. Promote reform and defuse risks. Led by the insurance supervision branch of Qujing bank, according to the relevant work deployment of Qujing rural credit cooperatives restructuring rural commercial banks, we will steadily promote the county-level rural credit cooperatives restructuring rural commercial banks. In 2019, we will strive to complete the restructuring of rural credit cooperatives in Huize County. In 2020, we will strive to integrate the restructuring of Qilin District Association, Malong District Association and Zhanyi District Association into rural commercial banks. In 2020, we will promote the restructuring of Shizong County Association, Fuyuan County Association and Xuanwei City association to form rural commercial banks. (responsible departments: insurance supervision branch of Qujing bank, Qujing central sub branch of people's Bank of China, municipal financial office, Municipal Rural Credit Cooperative Association)

（2） Implementing the regulatory responsibilities of financial regulators

1. Strictly implement the accountability system. Qujing branch of Bank of China Insurance Regulatory Bureau will conduct timely interviews with banking financial institutions with high non-performing loans and slow disposal progress, list them as the annual key inspection units, and increase the frequency of on-site inspection; Qujing central sub branch of the people's Bank of China and Qujing branch of the people's Bank of China will be responsible for all kinds of non-performing loan violations, especially the institutions and responsible persons with large non-performing loans due to illegal lending In accordance with the principle of "double punishment" of the person and institution, the branch of the bank and Insurance Regulatory Bureau has carried out serious accountability. (responsible department: Qujing Bank Insurance Regulatory Bureau)

2. Continue to carry out in-depth rectification of market disorder. Qujing branch of Bank of China Insurance Regulatory Bureau took the lead in seriously carrying out the "looking back" work of rectifying the market chaos, comprehensively clearing up the problems existing in rectifying the financial market, and severely punishing all kinds of illegal acts. (responsible department: Qujing Bank Insurance Regulatory Bureau)

3. Strengthen the supervision of key units. The banking financial institutions, especially the high-risk rural small and medium-sized financial institutions, whose non-performing rate is higher than 5% or the balance and proportion of non-performing loans have a significant "rebound", are listed as the key regulatory objects by the bank insurance regulatory bureau of Qujing. Monthly monitoring and analysis are carried out to strengthen the risk warning, urge the banking financial institutions to increase the efforts of clearing non-performing loans, timely replenish capital and gradually slow down the risk. The insurance supervision branch of Qujing bank urges the high-risk rural banks to actively communicate and report with the initiating banks, and implement the responsibility of initiating banks to resolve risks. In case of uncontrollable risks, the high-risk rural banks should sign rescue agreements with the initiating banks, so as to enhance the anti risk ability. (responsible department: Qujing Bank Insurance Regulatory Bureau)

4. Strengthen the guidance of credit window. Qujing central sub branch of the people's Bank of China should strengthen the macro Prudential Management of banking financial institutions, guide them to optimize the credit structure, actively strive for the limit of re loans for supporting agriculture and poverty alleviation from the superior banks, relieve the pressure of credit funds and reduce the financing cost. (responsible department: Qujing Central Branch of the people's Bank of China)

5. Establish risk study and judgment notification system. Qujing central sub branch of the people's Bank of China and Qujing branch of Bank of insurance supervision shall, in combination with on-site and off-site supervision, macro analysis and micro monitoring, hold at least one risk study and notification meeting every half a year to study and judge the risk situation in time and strengthen risk warning and supervision guidance. For banking financial institutions with risks, we should take such measures as supervision interview, increasing the frequency of on-site inspection, on-site supervision, restricting market access, issuing supervision opinions, etc. to urge banking financial institutions to prevent and resolve risks in a timely manner. The system of regular tripartite consultation among the judicial department, financial supervision department and bank shall be established. The Qujing central sub branch of the people's Bank of China (or the municipal financial office) shall take the lead and hold a meeting once every six months to coordinate and solve the problems of litigation, execution and punishment of dishonesty in resolving credit risk, so as to improve the efficiency of banking financial institutions in handling credit risk according to law. (responsible departments: insurance supervision branch of Qujing bank, Qujing central sub branch of the people's Bank of China, municipal finance office, Municipal Intermediate People's court)

（3） Support banking financial institutions to do a good job in reducing non-performing loans

1. Implement financial support policies. The Municipal Bureau of finance should supervise and urge the implementation of policies on financial discount, reward and compensation funds, and risk compensation funds for banking financial institutions, so as to ensure that there is no deficit and enhance the anti risk ability of banking financial institutions. (responsible departments: Municipal Finance Bureau, people's governments of all counties and districts, management committee of Economic Development Zone)

2. Strengthen financing guarantee and credit enhancement services. Qujing bancassurance sub bureau shall supervise and urge all banking financial institutions to stabilize and control the risk of non-performing loans under guarantee through loan clearance, loan restructuring, etc.; Qujing central sub branch of the people's Bank of China, Qujing bancassurance sub Bureau and municipal financial office shall supervise and urge all banking financial institutions to make loans to enterprises guaranteed by state-owned guarantee companies, and shall not draw, press or break loans at will if they meet the conditions of loan renewal For the non-performing loans under the guarantee, the state-owned guarantee companies shall formulate risk resolution plans door by door, and support the banking financial institutions to resolve the risk of non-performing loans under the guarantee by carrying out the loan clearance work and urging the counter guarantor to fulfill the compensatory responsibility. (responsible departments: Municipal Finance Bureau, Qujing central sub branch of the people's Bank of China, Qujing bank insurance supervision sub Bureau, municipal finance office, people's governments of all counties and districts, and Management Committee of Economic Development Zone)

3. Help enterprises in difficulty to improve their repayment ability. According to the principle of "one enterprise, one policy", the municipal finance office, Qujing central sub branch of the people's Bank of China, Qujing bank insurance supervision sub Bureau and the involved creditor banks study and put forward the assistance scheme one by one to help the enterprises solve the urgent difficulties in working capital and other aspects and realize normal production and operation. Qujing branch of Bank of China Insurance Regulatory Bureau will take the lead to supervise and guide the leading bank of the debt Commission, hold regular meetings of the debt Commission, study and formulate assistance measures for enterprises in difficulties, and do not blindly stop and press loans for enterprises in temporary difficulties, so as to promote the stable development of enterprises. Led by the Municipal Energy Bureau and Qujing central sub branch of the people's Bank of China, this paper studies the national coal industry credit policy, takes targeted support measures according to the actual situation of coal mines, and tries to solve the urgent need for funds for coal mine transformation and upgrading, so as to promote the development of coal mines. (responsible departments: Municipal Bureau of industry and information technology, municipal financial office, Qujing central sub branch of the people's Bank of China, Qujing bank insurance supervision branch, and Qujing Energy Bureau)

4. Safeguard the legitimate rights and interests of financial institutions. Led by the municipal development and Reform Commission and the municipal market supervision bureau, relying on Qujing City Information Technology Co., Ltd

Chinese PinYin : Qu Jing Shi Zhan Yi Qu Nong Cun Xin Yong He Zuo Lian She