Henan Credit Union(he nan sheng nong cun xin yong she lian he she )

Henan Rural Credit Union

Henan Rural Credit Cooperatives Union is the functional department of rural credit cooperatives (including rural commercial banks and rural cooperative banks, hereinafter referred to as rural cooperative institutions) under the jurisdiction of the provincial government, which specifically undertakes the management, guidance, coordination and service responsibilities of rural cooperative institutions.

Organization introduction

Rural credit cooperatives are the main force of rural finance and the best financial link to farmers. They are an important part of China's financial system. Henan rural credit cooperatives was founded in 1951. Over the past 60 years, with the care of the party and the government and the support of all walks of life, from small to large, from weak to strong, it has developed into a local financial institution with the largest number of institutional outlets, the widest service area and the largest scale of deposits and loans in the whole province, which has made outstanding contributions to serving the local economic and social development.

——Rural credit cooperatives are the vertical management system with the largest number of personnel in our province. In the pilot project of deepening the reform of rural credit cooperatives in 2003, the provincial government was responsible for the management of rural credit cooperatives. In 2005, the Provincial Rural Credit Union was established in our province to perform the functions of management, guidance, coordination and service. The province's rural credit cooperatives have become a vertical management system, and entered a new period of joint development and growth.

At present, there are 142 county-level legal person organizations in rural credit cooperatives, including 48 rural commercial banks, 94 county-level cooperatives, 5300 business outlets and more than 80000 cadres and employees.

——Rural credit cooperatives are the largest banking financial institutions in our province. The province's rural credit cooperatives actively change the development mode and improve the quality of development, and the business has maintained a good momentum of steady and rapid development. By the end of June 2016, the total assets of rural credit cooperatives in the province were 1300953 million yuan; various deposits were 1048.309 billion yuan, an increase of 140.714 billion yuan over the beginning of the year; various loans were 573.505 billion yuan, an increase of 28.875 billion yuan over the beginning of the year. Since 2005, the scale of deposit and loan and market share of rural credit cooperatives in the whole province have ranked first in banking financial institutions of the whole province.

——Rural credit cooperatives are the main force of rural finance. The rural credit cooperatives of the whole province adhere to the purpose of serving "agriculture, rural areas and farmers", continue to increase the supply of agricultural loans, vigorously support the increase of farmers' income and agricultural efficiency, comprehensively serve the development of urban and rural economy, boost the construction of new countryside, and give full play to the role of the main channel of agricultural funds. By the end of June 2016, the balance of agricultural loans of rural credit cooperatives in the province was 515.413 billion yuan, an increase of 23.683 billion yuan over the beginning of the year, accounting for 89.87% of all loans.

——Rural credit cooperatives are the main financial service providers of small and medium-sized enterprises. The province's rural credit cooperatives adhere to the project driven as the starting point, innovate credit products, optimize the loan process, vigorously support County backbone enterprises, key industries, key projects, and strive to support the development of small and medium-sized enterprises. By the end of June 2016, the province's rural credit cooperatives had supported 46297 small and medium-sized enterprises, with a loan balance of 269.871 billion yuan. The loan balance of small and medium-sized enterprises accounted for nearly 40% of the total loans of small and medium-sized enterprises of banking financial institutions in the province.

——Rural credit cooperatives are the main channel of payment and settlement for urban and rural residents. The business outlets of rural credit cooperatives in the whole province are all over the urban and rural areas, and all of them have realized the networking of comprehensive business system, opened the real-time electronic exchange, bank draft, personal account universal deposit and cash business among rural cooperative financial institutions, started the construction of e-banking system, significantly improved the settlement service ability, and maintained the leading position in the country in the characteristic service business of migrant workers' bank card The province's rural credit cooperatives have issued their own bank card, Jinyan card, and developed Huimin card, youth card, Xiangtong card and other products with the characteristics of Henan rural credit cooperatives. By the end of June 2016, the province's rural credit cooperatives had issued 55.6758 million Jinyan cards, accepted 6765 thousand bank card withdrawals for migrant workers, with a transaction value of 1.594 billion yuan, ranking the first in the country; online banking and mobile banking customers had reached 4.7054 million, and wechat banking successfully went online, with a replacement rate of 56.72%. The e-banking system with internet banking, mobile banking, telephone banking, wechat banking and SMS banking as the main body has been initially established. The service channels of e-banking have been increasingly improved to provide customers with more convenient and efficient financial services.

Leaders of the Associated Press

Party secretary: Wang Zhe

Director: Zhou Guiheng

Chairman: Wang Yong

Vice chairman and member of the Party committee: Gao Baohong

Secretary of Discipline Inspection Commission and member of Party committee: Zhong Jilun

Chairman and member of the Party committee of the trade union: Wang Huarong

Assistant director and member of the Party committee: Lin Xianzhen

administrative sanction

In 2017, the former CBRC conducted on-site inspection on five provincial Associated Press organizations, including Inner Mongolia, Jiangxi, Henan, Guangdong and Sichuan. The inspection found that there were some prominent violations of laws and regulations in the specific performance of duties by the five provincial associated press. First, there is no effective correction for the deviation of rural cooperative medical institutions from the main business of supporting agriculture. Some provincial cooperatives failed to actively guide the rural cooperative medical institutions to strengthen rural financial services in accordance with the requirements of the Party Central Committee and the State Council, and failed to assess, correct and deal with the problem of "leaving agriculture and getting rid of agriculture", resulting in a few county cooperative medical institutions seriously deviated from the strategic positioning of supporting agriculture. Second, they failed to perform their duties in implementing the responsibility of risk prevention and control. Individual provincial cooperatives did not take the lead in dealing with the risks of rural cooperative medical institutions, and the risk prevention and control did not act, which led to the continuous accumulation of risks within their jurisdiction and the increase in the number of high-risk institutions, which had a serious impact on the local financial security. Third, illegal business. Some provincial cooperatives have seriously violated the regulatory provisions, set up entity enterprises in violation of regulations, and carried out business beyond the scope without approval. Some provincial cooperatives even overstepped their authority to intervene in the business decision-making of rural cooperative medical institutions, and illegally led organizations to issue large amount, remote and non agriculture related loans, forming a large amount of risk exposure. Fourth, the problem of senior executives performing their duties in violation of regulations is prominent. There is a serious lack of internal governance, and there are many violations such as the actual performance of senior executives without qualification approval.

After a series of legal procedures, such as filing, investigation, trial, deliberation, notification, statement of defense, review and issuance of administrative penalty decision, the CBRC coordinated with relevant banking regulatory bureaus to impose administrative penalty on violations of laws and regulations found in on-site inspection of five provincial Associated Press organizations, including Inner Mongolia, Jiangxi, Henan, Guangdong and Sichuan. In terms of institutional punishment, the five provincial associations were fined a total of 31.727 million yuan and their illegal income was confiscated 2.705 million yuan. In terms of personnel punishment, 63 responsible personnel of the provincial associated press were disqualified, warned and fined respectively, of which 42 were fined 4.555 million yuan in total.

Chinese PinYin : He Nan Sheng Nong Cun Xin Yong She Lian He She