Qinzhou Urban District Rural Credit Union(qin zhou shi qu nong cun xin yong he zuo lian she )

Rural Credit Cooperative Association

The predecessor of rural credit cooperatives is the rural credit cooperatives. According to the spirit of the rural financial reform of the State Council in 2004 and with the approval of the China Banking Regulatory Commission, the credit cooperatives completed the restructuring on July 18, 2005. It is a joint-stock community local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction, as well as the employees of the association. The associated press implements democratic management and mainly provides financial services for "agriculture, rural areas and farmers". Rural credit cooperatives include the banking department, credit department, Zhengtong training school and international finance department of rural credit cooperatives. The rural credit cooperative association implements a new corporate governance structure of "three meetings and one layer" (member congress, board of directors, board of supervisors, and management led by the director of the Association), which is self-management, self risk, self financing and self-discipline.

Specific business

1、

Bond repurchase

Bond repo business includes pledge repo and open repo.

2、

Cash trading

Bond cash trading business refers to the trading behavior that both parties buy and sell a certain amount of bonds at the agreed price and handle the delivery of bonds within the specified settlement time, which is the so-called secondary market (or circulation market) trading.

The interbank bond spot market implements "net price transaction and full price settlement".

3、

Bond investment

Bond investment business refers to the foreign investment and transaction of commercial banks in the national inter-bank bond market with independent legal personality. At present, there are mainly government bonds, financial bonds, central bank bills, subordinated bonds of commercial banks, short-term financing bonds of enterprises, medium and long-term bills of enterprises and enterprise bonds.

4、

Deposit with other banks

Interbank business refers to the deposits deposited by commercial banks in other banks and non bank financial institutions.

5、

Investment in financial products

Financial product is a kind of financial product designed and issued by commercial banks, which invests the raised funds into the relevant financial market and purchases the relevant financial products according to the product contract. After obtaining the investment income, it is distributed to investors according to the contract.

6、

Bill transfer

Rediscount of commercial bill refers to the behavior that financial institutions transfer the commercial bill to another financial institution in the form of discount. Among them, commercial bill repurchase is a special form of rediscount business, which means that when a financial institution transfers a discounted commercial bill to another financial institution, it reaches an agreement with the other party to buy back the bill at the agreed time and handle the bill collection by itself.

7、

Bond research

Responsibilities of bond research: track macroeconomic trends, grasp bond market trends, capture market hot spots, and provide reference for investment decisions.

8、

RMB financial development

Recruitment target

Rural credit cooperatives is an examination organized by local credit cooperatives, which is not unified nationwide. Please refer to the local registration brochure for details. < ol > < li > fresh graduates of full-time general colleges and universities with bachelor degree or above; < li > < li > fresh graduates of full-time general colleges and universities with junior college degree in accounting, finance and other related economic and management majors.

Organization setup

Office: organize and coordinate the daily work of the CBRC; undertake the drafting of relevant documents, organization of important meetings, supervision of important matters, official document processing, news publicity and release, collection and compilation of government information, government information disclosure, e-government, letters and visits, archives, confidentiality, seal management, license management of financial institutions, security and other work.

Personnel department: to formulate rules, regulations and measures for human resource management of the CBRC system; to undertake personnel management of the CBRC system and relevant units; to be responsible for the daily management of leading groups and leading cadres of relevant financial institutions according to regulations; to guide the party organization construction and Party member education and management of the CBRC system; to be responsible for the cadre education and training of the CBRC system Make.

Publicity Department: responsible for the party's ideological construction and publicity work of the CBRC system; responsible for the publicity and education of the major work deployment of the CBRC and ideological mobilization; responsible for the ideological and political work, spiritual civilization construction and corporate culture construction planning.

Youth League Committee: perform four functions according to the requirements of the Party committee and the Central Committee of the Communist Youth League of China Banking Regulatory Commission: perform the functions of the Youth League Committee of the system of the Chinese Banking Regulatory Commission for all levels of institutions of the Chinese Banking Regulatory Commission, Youth League members and youth League members of eight financial institutions managed by the Party committee of the Chinese Banking Regulatory Commission; perform the functions of the central financial Youth League Working Committee for Youth League members and Youth League members of 14 financial institutions of the Central Committee; perform the functions of the central financial Youth League Working Committee according to the requirements of the all China Youth Federation To fulfill the functions of the National Federation of young people's finance for the organizations, members and youths of the Youth Federation of financial institutions of the central government; to fulfill the functions of the Secretariat of the financial sector of the National Federation of young people's finance for the members of the National Federation of young people's finance for the financial sector according to the requirements of the National Federation of young people's finance, and to assist the National Federation of young people's finance in carrying out the relevant work of the financial sector. At present, the units directly contacted include: Youth League committees of 14 financial institutions under the Central Committee, Youth League committees of CBRC organs, Youth League committees of 36 CBRC bureaus, Youth League committees of 8 financial institutions under the management of CBRC Party committee, and Youth League organizations of relevant financial units.

Logistics Group: responsible for the administrative management and logistics service support of the CBRC.

Current situation

The provincial government is responsible for the establishment of provincial cooperatives, which are responsible for the unified management of the provincial credit cooperatives and subject to the supervision of the people's Bank of China and the CBRC. There is no national unified management organization. In the coastal area, the credit cooperatives are developing rapidly with good benefits. Many have been restructured into credit banks, and a small number of credit banks have been listed. In the west, the restructuring has only been completed for a few years, and the business has just been on the right track, reversing the loss situation. Thanks to social stability and the reform in 2000, the burden of history has been lost, so the development of credit cooperatives (banks) is uneven. But the development is very fast. Every year, a large number of high-quality, college degree or above, professional counterparts are recruited to enrich the credit cooperatives and lay the foundation for their future development.

development

In the past 50 years, China's rural credit cooperative system has developed into an important force in China's financial market. However, the basic principles of the cooperative financial system, such as "one person, one vote system of democratic management; equal and open to all people; not for profit; not in debt to protect the interests of members" and so on, have completely deviated from the above principles in the 50 year history of China's rural credit cooperatives. Most of the rural credit cooperatives are commercial banks in the name of cooperative finance In the past, China's Agricultural Bank was the leading institution in the past. In fact, it was the basic institution of the Agricultural Bank in the past. In the past few years (the rural credit cooperatives and the Agricultural Bank of China) were decoupled from the bank, the loan procedures between the rural credit cooperatives and the members of the Agricultural Bank were basically the same as those of the commercial banks. The loan to whom the loan was made, the amount of loans they had been granted and the mortgage guarantee procedures were all has the final say by the director of the rural credit cooperatives, and the proportion of non community members loans was 30. The proportion of non social loans to the was also at the same level. - 50%, so farmers never think of the rural credit cooperatives as a cooperative financial organization for farmers

Of course, in view of the fact that rural credit cooperatives deviate from the nature of cooperative finance, China has been reforming it in the past 20 years. However, the industry has been arguing about how to reform. The debate is mainly reflected in two aspects. One view is that rural credit cooperatives have always deviated from the principle of cooperative system, so the focus of rural financial reform and development should be strictly in accordance with the principle of cooperative system; the other view is just the opposite, that the principle of cooperative system does not work in the field of rural finance in China, and the focus of rural credit cooperatives reform should be to reform into joint-stock companies Industrial Bank. (now it's hard to get the original shares of credit cooperatives, and it's not started yet. For example, I have 50000 shares. If I transfer them to others, I can sell them to 1:2.5, about 12.5W. After listing, I conservatively estimate 1:15.)

Chinese PinYin : Qin Zhou Shi Qu Nong Cun Xin Yong He Zuo Lian She