Guangdong Rural Credit Union(guang dong sheng nong cun xin yong she lian he she )

Guangdong Rural Credit Union

Established on August 5, 2005, Guangdong Rural Credit Cooperatives Union is a local financial institution with independent corporate qualification, which is composed of 4 prefecture level rural credit cooperatives (rural commercial banks) and 95 county level rural credit cooperatives (Rural Credit Cooperatives Union, rural commercial banks and rural cooperative banks) . Authorized by the provincial government, under the leadership of the provincial government, Guangdong Rural Credit Cooperatives Union is responsible for the industry management, business guidance and coordination services of rural cooperative financial institutions such as rural credit cooperatives of cities, counties (cities, districts), Rural Credit Cooperatives Union, rural cooperative banks and rural commercial banks. < / Li > < li > < DL > < DT > unified social credit Code: < / dt > < DD > 91440000782041455w < DT > Organization Code: < / dt > < DD > 782041455 < DT > registration number: < / dt > < DD > 440000000019033 < DT > business status: < / dt > < DD > start up < DT > Company type: < / dt > < DD > domestic enterprise legal person < DT > date of establishment: < / dt > < DD > November 3, 2005 < DT > legal representative: < / dt > < DD > Huang Zhihao < DT > business term: < / DT > < DD > 20 From November 3, 2005 to November 3, 2021 < DT > registered capital: < / dt > < DD > 300 million yuan < DT > date of examination / annual inspection: < / dt > < DD > August 13, 2020 < DT > registration authority: < / dt > < DD > Guangdong market supervision and Administration Bureau < DT > Enterprise address: < / dt > < DD > Guangdong rural credit building, No. 638, West Huangpu Avenue, Tianhe District, Guangzhou City, Guangdong Province business scope:

To carry out the self-discipline management and service functions 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 after approval; to handle or act as an agent for the fund clearing and settlement business of rural credit cooperatives; to provide information consulting services; and other business approved by China Banking Regulatory Commission. (for projects that need to be approved according to law, business activities can only be carried out with the approval of relevant departments) < / Li > < / UL >

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survey

By the end of 2009, there were 5622 business outlets and 59000 employees of rural cooperative financial institutions in Guangdong Province, which was the financial institution with the largest business outlets and the widest service range in Guangdong Province. The balance of domestic and foreign currency deposits was 745.499 billion yuan, and the balance of domestic and foreign currency loans was 458.958 billion yuan. The scale of deposits and loans ranked second among the financial institutions in Guangdong Province, and ranked second in the national rural credit system It is in the first place in China.

Five years after its establishment in 2005, the provincial associated press has actively promoted the reform of rural financial cooperation institutions in the whole province with remarkable achievements. The 23 billion yuan special bills of the Central Bank of rural cooperative financial institutions in the whole province were successfully cashed, becoming one of the provinces that took the lead in completing the work; the asset quality was significantly improved, and the non-performing loans continued to decline; the risk prevention and control ability was continuously improved, and the case prevention system construction and process management reform were progressing smoothly; the work of unifying the legal person was successfully completed, and the corporate governance structure was further improved In 2009, the book profit of rural cooperative financial institutions in Guangdong Province was 5.63 billion yuan, and the operating profit was 12.248 billion yuan, increasing for five consecutive years, with an average annual growth of 1.197 billion yuan and 2.2258 billion yuan respectively.

target

Rural cooperative financial institutions in Guangdong Province have always been serving "agriculture, rural areas and farmers", small and medium-sized enterprises and county economy as the purpose, and actively promote the development of rural and local economy. They play an irreplaceable role in supporting the development of rural economy and small and medium-sized enterprises in Guangdong Province, and are the real main force of rural finance.

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.

Notification of rectification

In October 2020, it was notified by Guangdong Provincial Communication Administration of APP Supervision:

1. Undisclosed collection rules: the app does not pop up to prompt users to read the privacy policy for the first time.

2. The purpose, method and scope of collecting and using personal information are not clearly stated: when applying for opening the authority to collect personal information, the user is not informed of the purpose synchronously.

Honors

On November 20, 2020, it was awarded the honorary title of "national advanced collective of internal audit".

Chinese PinYin : Guang Dong Sheng Nong Cun Xin Yong She Lian He She