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["附件"]
["农村商业银行经营定位与金融服务能力考核指标表"]
["序号","分类","指标名称","公式","目标值","备注"]
["1"," 经营定位","各项贷款占比","各项贷款期末余额/表内总资产期末余额","≥50%","─"]
["2",null,"新增可贷资金用于当地比例","年度新增当地贷款/年度新增可贷资金","≥70%","对县域农商行，“当地”指该行所在的县（市、旗）；对城区农商行，“当地”指该行所在的一个或几个市辖区。若年度可贷资金减少，则贷款余额应保持增加。"]
["3",null,"涉农及小微企业贷款占比","（涉农贷款期末余额+小微企业贷款期末余额-涉农贷款与小微企业贷款重复部分）/各项贷款期末余额","逐年上升直至超过80%","─"]
["4",null,"大额贷款占比","大额贷款期末余额/各项贷款期末余额","逐年下降直至低于30%","大额贷款指单笔贷款超过（含）一级资本净额2.5%或5000万元人民币（孰低）的贷款"]
["5","金融供给","涉农与小微企业贷款增速","（涉农贷款与小微企业贷款扣除重复部分的期末余额-涉农贷款与小微企业贷款扣除重复部分的期初余额）/涉农贷款与小微企业贷款扣除重复部分的期初余额","≥各项贷款增速","涉农及小微企业贷款占比超过80%的， 可替换为“涉农与小微企业贷款余额持续增长”                           "]
["6",null,"普惠型农户贷款和普惠型小微企业贷款（扣除重复部分）增速","（单户授信在500万元以下的农户贷款与单户授信1000万元以下小微企业贷款扣除重复部分的期末余额-单户授信在500万元以下的农户贷款与单户授信1000万元以下小微企业贷款扣除重复部分的期初余额）/单户授信在500万元以下的农户贷款与单户授信1000万元以下小微企业贷款扣除重复部分的期初余额","≥各项贷款增速","单户授信在500万元以下的农户贷款、单户授信1000万元以下小微企业贷款以及重复部分的计算口径参考银保监会非现场监管报表S71。\n"]
["7","金融供给","农户授信覆盖面","授信农户户数期末余额/当地农户总户数期末余额","原则上逐年上升","─"]
["8",null,"小微企业授信覆盖面","授信小微企业户数期末余额/当地小微企业总户数期末余额","原则上逐年上升","─"]
["9",null,"农户与小微企业用信覆盖面","农户和小微企业的用信（贷款）户数/农户和小微企业的授信户数","原则上逐年上升","─"]
["10","金融基础设施","农户建档评级覆盖面","建档评级的农户户数期末余额/当地所有农户户数期末余额","原则上逐年上升","─"]
["11",null,"小微企业建档评级覆盖面","建档评级的小微企业户数期末余额/当地所有小微企业户数期末余额","原则上逐年上升","─"]
["12",null,"电子交易替代率","主要电子交易笔数/（主要电子交易笔数＋柜面交易笔数＋其他交易笔数）","逐年上升","─"]
["13","金融服务机制","涉农贷款不良率容忍度","涉农不良贷款余额/涉农贷款余额","≤当地银行业金融机构各项贷款不良率以上3个百分点与5%的孰高值","─"]
["14",null,"小微企业贷款不良率容忍度","小微企业不良贷款余额/小微企业贷款余额","≤自身各项贷款不良率之上3个百分点","─"]
["15",null,"支农支小业务绩效考核倾斜度","支农支小贷款业务绩效考核指标权重","＞其他业务绩效考核指标权重","─"]
["注：相关指标的目标值应根据银保监会和其他部门有关规定同步进行调整。"]

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