Rural credit cooperative association of Hezuo City(he zuo shi nong cun xin yong he zuo lian she )

Tianjin Rural Cooperative Bank

Tianjin rural cooperative bank is the first provincial-level joint-stock cooperative local financial institution approved by China Banking Regulatory Commission on June 30, 2005. It is composed of 12 rural cooperative banks in Tianjin, rural credit cooperatives, enterprise legal persons and internal employees. It is managed by the board of directors and is authorized by the municipal government Local cooperative financial organizations with industry management functions and independent legal person status.

Bank profile

The predecessor of Tianjin rural cooperative bank is rural credit union, which is based on it. Closely around the market positioning of "being a small community-based retail bank", adhere to the business direction of "based on the community, facing farmers" and "based on the community, facing private small and medium-sized enterprises, individual businesses and urban residents", adhere to the business philosophy of "grasping small and enlarging", and win the trust and support of friends from all walks of life with high-quality, fast, accurate and efficient services Business has been healthy and rapid development. Tianjin rural cooperative bank is a local financial institution established on the basis of Tianjin Rural Credit Cooperatives Union with the approval of China Banking Regulatory Commission. It is the first provincial rural cooperative bank in China and was established on June 30, 2005. As the provincial industry management department of the city's rural cooperative financial institutions, it is authorized by the municipal government to exercise industry management power over the rural cooperative banks and rural credit cooperatives in all districts and counties. There are 4869 employees in the city's rural cooperative bank system, with total assets of 93.64 billion yuan, various deposits of 59.65 billion yuan, various loans of 45.02 billion yuan, and 1932 institutional outlets. It has basically formed a rural cooperative financial service network covering all administrative towns and urban areas of the city.

branch

Tianjin Rural Cooperative Bank on June 30, 2005, Tianjin Rural Cooperative Bank was established with the approval of China Banking Regulatory Commission, becoming the first provincial cooperative city bank in China. the predecessor of Tianjin rural cooperative bank is the Tianjin Rural Credit Union approved by the people's Bank of China in September 2000. Over the past few years, we have actively deepened the reform and constantly strengthened the management, which has made a positive contribution to the development of rural economy and the prosperity of farmers, and has achieved remarkable business benefits and good social benefits. Business Department of Tianjin Rural Cooperative Bank Zhexing sub branch of Tianjin Rural Cooperative Bank Changxing sub branch of Tianjin Rural Cooperative Bank Tianxing sub branch of Tianjin Rural Cooperative Bank Kexing sub branch of Tianjin Rural Cooperative Bank Guangxing sub branch of Tianjin Rural Cooperative Bank Weijin South Road Banking Office of Tianjin Rural Cooperative Bank Tianjin Dongli rural cooperative bank Tianjin Beichen rural cooperative bank Agricultural Bank of Xiqing District, Tianjin Rural credit cooperatives Tianjin Jinnan District Rural Credit Cooperatives Tianjin Wuqing District Rural Credit Cooperatives Tianjin Jinghai County Rural Credit Cooperatives Tianjin Jixian County Rural Credit Cooperatives Tianjin Ninghe County Rural Credit Cooperatives Tianjin Baodi District Rural Credit Cooperatives

Business introduction

By the end of April 2006, the balance of deposits in the system of Tianjin rural cooperative bank had reached 60.3 billion yuan and 45.1 billion yuan of loans had been issued. Among them, the amount of agricultural loans accounted for more than 90% of the city's agricultural loans, and 516 business outlets in the whole system were all over the urban and rural areas. In 2005, it made a profit of 478 million yuan. It is the only provincial rural cooperative financial organization without loss in China, and has become the main force of supporting agriculture in Tianjin financial industry.

Business purpose

Through the issuance of micro credit loans and joint guarantee loans without guarantee or mortgage, we will focus on solving the short-term financing problems of farmers, self-employed households, urban residents and small and medium-sized enterprises.

Business philosophy

We should stick to our faith and be cautious all the time; we should establish our business with constant faith and win-win situation; we should be honest as life, and our responsibility is more important than Mount Tai!

Business characteristics

The examination and approval time is short, the application for use of funds is put forward on the same day, and the loan is issued within five days. the threshold is low, and the "three exemptions" are implemented for credit loans, that is, no guarantee, no mortgage and no pledge, and the credit users can take the loan certificate as they use it; for the loans beyond the credit line of credit users, other loan methods are adopted, such as guarantee guarantee, general joint guarantee, special joint guarantee, mortgage and pledge. the procedures are simple and convenient, and there is no additional review content, guarantee terms and increase of processing fees for the credit application of credit users within the credit line. easy to use: the loan within the credit line of the credit account is managed by the method of "one-time verification, loan with use, balance control and turnover use". interest rate preference: on the premise that all users fulfill their promises, certain preferential policies will be given on the loan interest rate.

Business model

Urban credit project 1, box credit community box credit community takes the management committee as the control organization to carry out the construction of credit project, regarding the mall, wholesale market and logistics center with a certain scale of development and fixed merchants as an administrative village. A credit merchant evaluation group composed of representatives of credit cooperatives, management committee and merchants is formed to assess the credit rating and line of credit of merchants in their jurisdiction door by door, issue micro credit loans and joint guarantee loans to merchants, and promise their respective responsibilities, rights and obligations to form a community declaration, build integrity together, and form a "box credit community". 2. Umbrella credit community the umbrella credit community is controlled by the chamber of Commerce and the Promotion Association, supported by the guarantee of its key enterprises, and supported by the financial support provided by the credit cooperatives, so that the small enterprises and merchants joining the chamber of Commerce and the promotion association can get loan support on the basis of credit rating, and the enterprises joining the association keep their promises together, forming an "umbrella credit community". rural credit project through the establishment of a credit community, credit rating is assessed, and micro credit loans and joint guarantee loans are issued to qualified credit farmers. 1. Tripartite cooperation of rural credit community Tianjin Rural Cooperative Bank controlling organization (villagers' committee, farmers' Association, rural cooperative economic organization, agriculture related backbone enterprise) credit users (farmers, self-employed households, micro enterprises) 2. Tripartite commitment Tianjin Rural Cooperative Bank commitment: to review and confirm the loan application within credit line of credit users, except for the purpose of loan In addition, there are no additional guarantee terms and increase of handling fees; for the loans within the credit line of credit users, ensure the supply of funds and implement preferential interest rates; apply for the use of funds on the same day and issue loans within five days; for the funds beyond the credit line, under the same conditions, credit users are better than non credit users. the controlling organization undertakes to cooperate in the fair evaluation of the credit rating of the farmers, self-employed households and micro enterprises who voluntarily apply to participate in the credit community, and determine the credit users; cooperate in the annual audit of the credit users; daily supervision and risk warning of the operation status and performance of the credit users; be responsible for urging the credit users to receive the loan principal and interest; punish the dishonest users . commitment of credit account: use the loan in strict accordance with the regulations, do not transfer the loan to others, and do not misappropriate it to other purposes; repay the loan principal and interest in strict accordance with the specified time limit and interest rate; consciously accept daily supervision and annual verification.

Development achievements

Over the past few years, under the leadership of the municipal Party committee and the municipal government, and under the effective supervision of the Tianjin banking regulatory bureau, the cooperative bank has united and led the banks and cooperatives of all districts and counties to seize the historical opportunity of deepening reform and institutional innovation, and made great progress in improving operation, consolidating foundation and promoting the development of local economy by adjusting structure and strengthening management. Tianjin rural cooperative bank system has six district level rural cooperative banks, six district and county level rural credit cooperatives, and more than 350 business outlets, covering the urban and rural areas of our city; the total assets reached 95.2 billion yuan, including 46.7 billion yuan of loan balance; the total liabilities reached 91 billion yuan, including 64.1 billion yuan of deposit balance; and the owner's equity reached 100 million yuan.

Bank cooperation

With the promulgation of the trust law of the people's Republic of China, the measures for the administration of trust and investment companies, and the Interim Measures for the administration of trust funds of trust and investment companies, the problems perplexing the functional orientation of the trust industry have been solved. At the same time, it also marks the initial formation of the four pillars of China's financial system: banking, insurance, securities and trust. After the re registration of trust and investment companies, the fund trust business, as its main business in the future, has a strong growth momentum. A prominent feature of its business development is its cooperation with banks, which has been relatively successful in more than one year's practice. It innovates financial products, brings forth new ones, and promotes the exchange and sharing of information, network, customers, technology, including functions and other resources. Bank trust cooperation has become a mutually beneficial platform for the development of trust business and the banking industry to win high-end customers and develop extended business.

（1） Background of cooperation between bank and credit

1. The separate operation and the financial policy of encouraging innovation provide a "natural" opportunity for bank credit cooperation. Although the banking industry has the function and profit requirements of intermediary business, its business scope and operation mode are limited. The trust industry has a very broad business space, but the collection of trust funds is subject to certain restrictions, such as: it can not be publicized through public media, the number of entrustment contracts is not more than 200, and the single entrustment fund is not less than 50000 yuan. 2. Each bank and credit has its own comparative advantages in business operation, and cooperation is more conducive to the exertion of the advantages of all parties. At the same time, its own restrictions can be reasonably relaxed to varying degrees. For example: the banking industry has a huge amount of funds and rich customer resources, the use of funds is limited, the use of channels is narrow; the use of funds in the trust industry is more flexible, but the financing channels are limited. 3. Through cooperation

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