Hunan Rural Credit Union(hu nan sheng nong cun xin yong she lian he she )

Hunan Rural Credit Cooperatives

Hunan rural credit cooperatives, established in May 2005, is a provincial-level local financial institution in Hunan Province, which performs the functions of management, guidance, coordination and service for the rural credit cooperatives in the whole province.

Basic introduction

Hunan Rural Credit Cooperatives Union is a provincial local financial institution with independent enterprise legal personality directly led and managed by the provincial people's government.

Its main functions are as follows:

We should urge the rural credit cooperatives to implement the national financial policies and support agriculture, formulate the industry self-discipline management system and supervise its implementation;

To guide rural credit cooperatives to improve corporate governance and internal control system; to provide guidance and audit on business operation, financial activities, labor and employment, social security and internal management of rural credit cooperatives;

To urge rural credit cooperatives to elect directors and supervisors, and to elect and employ senior managers in accordance with the law;

To guide the prevention and disposal of the financial risks of rural credit cooperatives; to guide and coordinate the electronic construction;

To guide the staff training and education, coordinate the relationship between relevant parties, and safeguard the legitimate rights and interests of rural credit cooperatives;

To organize the fund transfer among rural credit cooperatives; to participate in the fund market to finance the rural credit cooperatives; to handle or act as an agent for the fund clearing and settlement business of rural credit cooperatives; to provide information consulting services. The provincial association does not handle deposit and loan business for the public.

development history

After more than 50 years of development, Hunan rural credit cooperatives have become the main force of rural finance and the financial link with farmers. They play an increasingly prominent role in supporting the rural economic and social development in our province and play an irreplaceable role. By the end of 2011, the province's rural credit cooperatives had 4086 outlets, 135 legal entities, 1 Municipal Association, 13 offices, 121 county-level cooperatives (including rural credit cooperative association, rural cooperative bank and rural commercial bank), and more than 37000 full-time employees. The total assets of the province's rural credit cooperatives are 392.4 billion yuan, including 189.5 billion yuan of loan balance; the total liabilities are 376.1 billion yuan, including 323.1 billion yuan of deposit balance; in 2011, the province's rural credit cooperatives achieved an overall profit of 3.299 billion yuan.

Hunan Rural Credit Union was founded in May 2005, which is another important milestone in the development history of Hunan Rural Credit Union. Through deepening the reform, the status, role and social image of rural credit cooperatives in our province have been further improved, and will usher in a better future and broader development prospects. First, the relationship of property rights is clear, and the reform is progressing smoothly.

By the end of 2011, the reform of unified legal person has been basically completed, 12 rural commercial banks and 6 rural cooperative banks have been established, and the reform of property rights of rural credit cooperatives has achieved remarkable results. The second is to strengthen internal control management and effectively prevent risks. Through deepening the reform, the internal control and management mechanism of rural credit cooperatives in our province has been gradually improved, the risk prevention and control mechanism has been gradually established, the historical burden has been digested, the management level has been continuously improved, and the rural finance has remained stable. Third, the service means are perfect and the service function is enhanced. In 2007, the comprehensive business network system of rural credit cooperatives in the whole province was established to realize universal deposit and withdrawal, and bank card business was opened. It has successfully connected with the large amount payment system of China UnionPay and the people's Bank of China, started the business of rural credit bank, issued Fuxiang credit card, and rapidly promoted the use of self-service terminals. Fourth, the business is in good condition and the business is developing in an all-round way.

In the six years since the establishment of the Provincial Association of rural credit cooperatives, the average annual growth of deposits in the province has been 22%, which is 3.4 times of that at the end of 2005; the average annual growth of loans in the province has been 18.5%, which is 2.8 times of that at the end of 2005; the accumulated operating profit has been 21.6 billion yuan in the six years; the proportion of non-performing loans has decreased significantly, the capital adequacy ratio has increased significantly, and the comprehensive competitiveness has been continuously enhanced.

Key leaders

Party secretary Zhao Yingyun

Chairman Zhang Zhijun

Li Qin, deputy secretary, vice chairman and director of the Party committee

Nie qundi, member of the Party committee and chairman of the board of supervisors

Chen Zhiwen, member and vice chairman of the Party committee, Deng Shihui and Shu Lifan

Yu Kaisheng, member of the Party committee and Secretary of the Discipline Inspection Commission

Historical events

In December 2010, the total deposit of Hunan rural credit cooperatives exceeded 300 billion yuan, ranking second in Hunan Province after ICBC.

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