Foreign Banks Explore Financial Markets in Rural Areas
Released on 2011-10-24 15:58 | readings
2010年12月中旬以来，东亚银行陕西富平村镇银行、汇丰银行重庆荣昌、湖南平江两家村镇银行等多家外资银行设立的村镇银行正式开业。
据《中国经济新闻》2010年初报道，合资组建的金融控股公司将在未来3年在中国建立100家村镇银行,中方在每一家村镇银行中占据大股东,即控股51%。外资银行在中国金融机构的持股比例不得超过20%，但对于外资银行投资村镇银行则不在此限制之内。由于对村镇银行的建设中国政府一直采取鼓励扶持的政策,因此,许多想借此机会布局中国市场的外资银行纷纷在这一领域加大投入,汇丰银行和渣打银行已经成功在中国内地成立了若干家村镇银行。
“我们将继续设立村镇银行，具体选点和数量目前还在考察中，很快就会有结果。”东亚银行说，“肯定不会满足于目前的情况。不过我们刚刚开了一家，还需要摸索。”
据汇丰银行透露，截至2010年12月30日，由其发起设立的村镇银行已经达到10家，网点达到16个，业已形成覆盖华东、华中、华南、西南、华北、东北的网络。其旗下成立较早的湖北随州曾都汇丰村镇银行、重庆大足汇丰村镇银行和福建永安汇丰村镇银行已先后实现了盈亏平衡。
截至2010年底，外资银行设立的村镇银行已经达到了40家左右。目前村镇银行中，80%以上的主发起人为城商行、农商行等地方中小金融机构，工、农、建、交四大行发起设立的只有寥寥数家。其余的近20%，则基本是以外资银行为主导设立的。目前部分地方政府在准入指标方面实行搭配政策，即其中有部分名额为外资银行提供。
在国有大型商业银行密集布局的情况下，外资银行的业务开展并无多少优势可言。作为稀缺资源，金融牌照亦为外资银行所看重。中国农村每年资金需求缺口大约为1万亿元人民币，仅靠农村信用社目前的资本实力、服务力量，显然难以满足占中国70%人口的9亿农民的金融需求。对外资银行来说，中国的农村市场潜力非常大。
Since the mid-December 2010, Shanxi Fuping village banks of East Asia Bank, HSBC Chongqing Rongchang, two rural banks in Hunan Pingjiang and a number of villages set up by foreign banks have been opened.
According to "China Economic News" reported in early 2010, the JV companies will open 100 rural banks in China in the next three years, and the Chinese side will hold 51% of each of the 100 rural banks. the proportion of stake foreign banks take in Chinese financial institutions cannot exceed 20%. But foreign banks investing in rural banks are not within this restriction. Chinese Government has always supported construction of rural banks. Therefore, foreign banks are taking this opportunity to increase their investment in this sector. HSBC and the Standard Chartered have successfully launched several rural banks on the Chinese mainland.
"We will continue to set up village banks. The specific number and choice of site is still under inspection, and soon there will be results." East Asia Bank said, "we certainly will not be satisfied with the current situation. We just opened one, and need to explore more.”
HSBC revealed that, by December 30, 2010, there have been 10 village banks initiated and established by HSBC and outlets have reached 16, and the network has been covering the East, Central, South, Southwest, North, and the Northeast. The units set up earlier such as Hubei Suizhou Rural Bank HSBC, Chongqing Dazu Rural Bank HSBC and Fujian Yongan Rural Bank HSBC have already achieved breakeven.
By the end of 2010, the number of village banks set up by foreign banks was around 40. As for the current village banks, 80% of the main sponsors are the City firms, agricultural firms and other local small and medium financial institutions. Only a few were established by ICBC, agricultural, construction, and communication banks. The remaining 20% was established by the leading foreign banks. At present, some local governments applied collocation of policy in aspect of access index, in other words, some places are assigned by foreign banks.
Under the circumstances full of large state-owned commercial banks, the business developments of foreign banks do not have much advantage at all. As a scarce resource, finance license is also favored by foreign banks. Since the annual capital requirement gap in rural China is about 10,000 yuan, the current capital strength and service obviously cannot meet the financial needs of 900 million farmers. For foreign banks, China's rural market potential is big.
2010年12月中旬以来，东亚银行陕西富平村镇银行、汇丰银行重庆荣昌、湖南平江两家村镇银行等多家外资银行设立的村镇银行正式开业。
据《中国经济新闻》2010年初报道，合资组建的金融控股公司将在未来3年在中国建立100家村镇银行,中方在每一家村镇银行中占据大股东,即控股51%。外资银行在中国金融机构的持股比例不得超过20%，但对于外资银行投资村镇银行则不在此限制之内。由于对村镇银行的建设中国政府一直采取鼓励扶持的政策,因此,许多想借此机会布局中国市场的外资银行纷纷在这一领域加大投入,汇丰银行和渣打银行已经成功在中国内地成立了若干家村镇银行。
“我们将继续设立村镇银行，具体选点和数量目前还在考察中，很快就会有结果。”东亚银行说，“肯定不会满足于目前的情况。不过我们刚刚开了一家，还需要摸索。”
据汇丰银行透露，截至2010年12月30日，由其发起设立的村镇银行已经达到10家，网点达到16个，业已形成覆盖华东、华中、华南、西南、华北、东北的网络。其旗下成立较早的湖北随州曾都汇丰村镇银行、重庆大足汇丰村镇银行和福建永安汇丰村镇银行已先后实现了盈亏平衡。
截至2010年底，外资银行设立的村镇银行已经达到了40家左右。目前村镇银行中，80%以上的主发起人为城商行、农商行等地方中小金融机构，工、农、建、交四大行发起设立的只有寥寥数家。其余的近20%，则基本是以外资银行为主导设立的。目前部分地方政府在准入指标方面实行搭配政策，即其中有部分名额为外资银行提供。
在国有大型商业银行密集布局的情况下，外资银行的业务开展并无多少优势可言。作为稀缺资源，金融牌照亦为外资银行所看重。中国农村每年资金需求缺口大约为1万亿元人民币，仅靠农村信用社目前的资本实力、服务力量，显然难以满足占中国70%人口的9亿农民的金融需求。对外资银行来说，中国的农村市场潜力非常大。
Since the mid-December 2010, Shanxi Fuping village banks of East Asia Bank, HSBC Chongqing Rongchang, two rural banks in Hunan Pingjiang and a number of villages set up by foreign banks have been opened.
According to "China Economic News" reported in early 2010, the JV companies will open 100 rural banks in China in the next three years, and the Chinese side will hold 51% of each of the 100 rural banks. the proportion of stake foreign banks take in Chinese financial institutions cannot exceed 20%. But foreign banks investing in rural banks are not within this restriction. Chinese Government has always supported construction of rural banks. Therefore, foreign banks are taking this opportunity to increase their investment in this sector. HSBC and the Standard Chartered have successfully launched several rural banks on the Chinese mainland.
"We will continue to set up village banks. The specific number and choice of site is still under inspection, and soon there will be results." East Asia Bank said, "we certainly will not be satisfied with the current situation. We just opened one, and need to explore more.”
HSBC revealed that, by December 30, 2010, there have been 10 village banks initiated and established by HSBC and outlets have reached 16, and the network has been covering the East, Central, South, Southwest, North, and the Northeast. The units set up earlier such as Hubei Suizhou Rural Bank HSBC, Chongqing Dazu Rural Bank HSBC and Fujian Yongan Rural Bank HSBC have already achieved breakeven.
By the end of 2010, the number of village banks set up by foreign banks was around 40. As for the current village banks, 80% of the main sponsors are the City firms, agricultural firms and other local small and medium financial institutions. Only a few were established by ICBC, agricultural, construction, and communication banks. The remaining 20% was established by the leading foreign banks. At present, some local governments applied collocation of policy in aspect of access index, in other words, some places are assigned by foreign banks.
Under the circumstances full of large state-owned commercial banks, the business developments of foreign banks do not have much advantage at all. As a scarce resource, finance license is also favored by foreign banks. Since the annual capital requirement gap in rural China is about 10,000 yuan, the current capital strength and service obviously cannot meet the financial needs of 900 million farmers. For foreign banks, China's rural market potential is big.