Fuyuan Rural Credit Cooperative Association(fu yuan xian nong cun xin yong he zuo lian she )

Fuyuan rural credit cooperatives

The results show that the total amount of deposit of Fuyuan rural credit cooperative association has increased rapidly, the debt structure has been optimized, the credit risk is controllable, the asset quality has been significantly improved, the support for agriculture has been continuously increased, and the "three satisfactions" have been realized, the operation efficiency is remarkable, and the development potential is increasingly enhanced, the service means are constantly innovated, and the business field has been expanded, the "three prevention and one guarantee" system has been constructed, and the safe operation environment has been created; Spiritual civilization construction to a higher level, and reshape the new image of Xinhe.

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In 1940 (29 years of the Republic of China), after the establishment of Fuyuan County Cooperative Treasury, cooperative finance was carried out in the whole county, and rural credit cooperatives were organized to carry out cooperative finance owned, self operated and self enjoyed by farmers. From then on, rural credit cooperatives sprouted. By 1947 (36 years of the Republic of China), the county had 162 cooperatives with 11658 members and 1049500 yuan of share capital. after the founding of new China, Pingyi County (now Fuyuan County) established credit cooperatives from 1953, from low-level to high-level, from credit groups to credit cooperatives, from small township cooperatives to economic regions to township credit cooperatives with administrative divisions as the center, that is, township credit cooperatives, with credit stations under them, and gradually developed to township credit cooperatives as shares, forming Fuyuan Rural Credit Cooperatives Union The provincial Banking Regulatory Bureau approved the reform of unified legal person, and developed into today's Fuyuan rural credit cooperative association, from the original two-level legal person system to today's one-level legal person system. In the second half of 1954, 84 credit cooperatives were established in the county. In 1955, credit cooperatives were established in LAOCHANG, shibalianshan, Huangnihe and other three districts, so that 99 townships in the county reached the level of townships. In 1957, Chengguan, Dahe, Yingshang and other districts were removed from districts to fight for townships to establish townships' political power After the "great leap forward" in 1958, the establishment of credit cooperatives in the county has been carried out under the district or large commune, and established according to the actual situation of region and economy. In the 17 years from 1971 to 1987, the institutions were set up in the districts (townships) and towns together with the business offices of the Agricultural Bank of China. At one time, the poor and lower middle peasants managed the rural credit cooperatives and set up the poor management committee. On December 8, 1984, Fuyuan County Rural Credit Cooperatives Union was established, which is responsible for the leadership, management, coordination and service functions of rural credit cooperatives within its jurisdiction. Rural credit cooperatives implement a two-level legal person system. In December 1996, the rural credit cooperatives and the Agricultural Bank of China broke away from the administrative subordination and embarked on the road of independent development, adhering to the four self policy of "independent operation, self-restraint, self-development and self bearing risks". In 2005, they were listed as the second batch of pilot counties with unified legal person, and implemented in accordance with the policy of the State Council of "clarifying the property rights relationship, strengthening the restraint mechanism, appropriate central support and local government responsibility" In December 2006, with the approval of the provincial banking regulatory bureau, the township credit cooperatives were disqualified from being a legal person and merged with the county cooperatives to form the same legal person. By the end of 2011, there were 241 employees. Fuyuan rural credit cooperative has 10 township credit cooperatives, 9 credit branches, 1 business department, 7 departments and 1 Center (Comprehensive Department, human resources department, security department, accounting department, audit and supervision department, risk management department, science and Technology Information Department, credit Department) Business department, yinting Management Center). Since the establishment of rural credit in Fuyuan County for more than 50 years, it has always firmly established the purpose of serving "agriculture, rural areas and farmers" and persisted in being based on rural areas, Serving "agriculture, rural areas and farmers", serving the market positioning of small and medium-sized enterprises and county economy, focusing on service innovation, increasing credit investment, promoting the increase of farmers' income, agricultural efficiency, the development of rural economy, promoting the sound and rapid development of rural credit cooperatives, and being praised as "farmers' own bank" by the majority of farmers. Since 2002, our county's rural credit cooperatives have promoted the construction of credit villages (towns) in depth, vigorously launched small credit loans for farmers, and achieved good economic and social benefits. They have created the second credit town in Yunnan Province, Mohong credit town. The establishment of credit villages has been listed as one of the nine successful experiences of new rural construction by the county Party committee and government, and has been promoted in the whole county, resulting in civilized credit Engineering. over the years, Fuyuan County Rural credit cooperatives have innovated their management ideas, gradually expanded their financial strength, and made great strides in business development with high-quality and civilized services, the advantages of outlets all over the urban and rural areas, closely around the local economic center, based on loans, relying on the powerful network settlement channels and efficient and fast service forms in recent years. By the end of 2011, the balance of deposits, loans and non-performing loans of the county's credit cooperatives was 4.56 billion yuan, 3.39 billion yuan and 99.95 million yuan, accounting for 2.95% of the total loan balance. The total financial revenue, expenditure and profit of the county's credit cooperatives were 350 million yuan, 197 million yuan and 153 million yuan respectively. in recent years, rural credit cooperatives in Fuyuan County have stepped into the fast lane of development with strong business growth momentum. Driven by striving for excellence in service and striving for first-class business, all businesses have made great progress and become the leader of Fuyuan financial industry. At the end of 2011, the market share of deposit and loan accounted for 37.6% and 38% of county financial institutions respectively, and they have been in rural credit cooperatives for many years In the user cooperative system, the total profit and per capita profit are among the best. Over the years, all the rural credit cooperatives in the province have entered the first class of cooperatives, ranking seventh in the province in 2011.

Chinese PinYin : Fu Yuan Xian Nong Cun Xin Yong He Zuo Lian She