Shanxi Rural Credit Union
Shanxi Province Rural Credit Cooperatives Union is established by the city (prefecture) Rural Credit Cooperatives Union and county (city, district) rural credit cooperatives (rural cooperative bank, rural commercial bank) under the jurisdiction of Shanxi Province. It is approved by China Banking Regulatory Commission and registered in Shanxi Administration for Industry and commerce. It is established by way of initiation and democratic management Li, a local financial institution with independent corporate status, was established in August 2005.
About the United Society
According to the authorization of Shanxi Provincial People's government, the provincial association undertakes the management, guidance, coordination and service functions of rural credit cooperatives at all levels in Shanxi Province. The specific functions include: urging rural credit cooperatives to implement the national financial policies, implementing the work of supporting agriculture, enhancing the rural financial service function in accordance with the direction of the provincial Party committee and the provincial government to promote the development of county economy; formulating and supervising the industry self-discipline management system Promote the implementation; guide the rural credit cooperatives to improve the corporate governance structure, improve the internal control system; guide and audit the business operation, financial activities, labor and employment, social security and internal management of rural credit cooperatives; urge the rural credit cooperatives to elect directors and supervisors according to law, elect and employ senior managers; guide the prevention and disposal of financial risks of rural credit cooperatives; and To guide and coordinate the electronic construction; to guide the staff training and education; to coordinate the relationship between relevant parties to safeguard the legitimate rights and interests of rural credit cooperatives; to organize the fund transfer between 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; according to the authorization of the provincial people's government, according to the According to the relevant provisions, manage the provincial support funds for the development of rural credit cooperatives. since its establishment, under the strong leadership of the provincial Party committee and the provincial government, under the guidance and support of the regulatory departments at all levels and the relevant departments directly under the provincial government, the provincial associated press has actively resolved historical contradictions, rapidly promoted reform and development, conscientiously performed the functions of "management, guidance, coordination and service", led the staff of Xinhe in the whole province to work together and innovate, and made gratifying progress in all aspects of work . The construction of the party has been continuously strengthened, the role of Party organizations and Party members at all levels has been playing a significant role, and the cohesion, combat effectiveness and creativity of Party organizations at all levels of the system have been continuously strengthened; the reform work has been further deepened, and the restructuring of rural commercial banks has been steadily promoted; the operation and management has been further standardized, and the whole system has focused on building internal control system and human resource management projects, establishing and improving the financial and business management system A series of rules and regulations and management methods, such as credit, administrative integration, etc.; the strategic step of "strengthening the cooperative with talents" has been continuously advancing, and the extensive employment of employees in the form of unified examination for several years has injected new blood and added new vitality into the development of rural credit cooperatives; the case prevention work and the construction of compliance culture have continued to advance in depth; the informatization construction has stridden forward, and the comprehensive development of rural credit cooperatives in the whole province has been promoted The information engineering construction of the business system has achieved remarkable results; all businesses have developed healthily, and the operating efficiency has been further improved, especially in the service of "agriculture, rural areas and farmers", which is among the best in the province, and has made positive contributions to the construction of a new socialist countryside and a harmonious society. by the end of January 2013, the basic situation of rural credit cooperatives in Shanxi Province can be summarized as "23456" -- the balance of various loans of rural credit cooperatives in Shanxi Province is more than 270 billion yuan, there are more than 3000 institutional outlets, the balance of various deposits is more than 440 billion yuan, all employees are more than 50000, and the total assets are more than 660 billion yuan. Among the financial institutions in the whole province
characteristic
First, it has the longest history of development. Marked by the establishment of the first rural credit cooperative in the province in 1945, Luocun credit cooperative in Tunliu County, Changzhi, Shanxi Xinhe has gone through 68 years of development under the leadership of the Communist Party of China and is the earliest financial institution in our province. Second, the number of employees is the largest. At present, there are 3124 formal institutions, including 1 provincial institution, 11 municipal institutions, 110 county-level institutions, 1811 business departments and credit cooperatives, 785 branches, 364 savings offices and 42 convenient service points. At present, there are 44318 cadres and workers, including 41419 on the staff, 5958 in other ways of employment, and the rural business liaison team. It is the financial institution with the largest number of institutional outlets and employees in the province. third, the business scale is the largest. Since the second half of 2009, the three indicators of total assets, deposit balance and loan balance of rural credit cooperatives have all ranked first in the financial institutions of our province, and become the largest financial institutions in business scale, which has become an important financial force irreplaceable in the economic and social development of our province. Fourthly, it has the widest coverage. With more than 3000 outlets covering all counties (cities, districts) and townships (towns) in the province, rural credit cooperatives have made great contributions to the realization of "full coverage of rural finance". Fifth, support for agriculture is the strongest. The balance of agricultural loans of rural credit cooperatives has always accounted for more than 98% of the agricultural loans of banking financial institutions in the whole province, and the new agricultural loans every year rank first among the financial institutions in the whole province, which is the real main force of rural finance. Sixth, financial services are the most convenient and efficient. In recent years, the comprehensive business system of rural credit cooperatives across the province has been successfully launched, the UnionPay card of "xinhetong" has been successfully issued, the self-service machines and tools have entered the villages and communities, and all financial institutions have realized universal deposit and withdrawal, and the service ability and service level have been significantly improved.
Development principles
In recent years, under the guidance of the scientific outlook on development, the provincial associated press has always taken promoting development as the first priority, risk prevention and control as the first responsibility, and team building as the first core. In strict accordance with the team members' conscious "Three Stresses" - discipline, rules and procedures, comrades adhere to the "three mutual" - mutual trust rather than mutual willfulness and mutual understanding We should not misunderstand each other, support each other but not insist on each other, build and strengthen the leading group; we should strictly follow the mechanism of "two dependence, three recommendation" -- relying on the system to manage people, relying on methods to select people, performance recommendation, mass recommendation, Organization recommendation to promote the reform of cadres and personnel; we should earnestly follow the principle of "one direction, three benefits" -- adhering to the principle of basing on rural areas and serving farmers The unswerving direction of supporting agriculture is conducive to the establishment of a new rural cooperative financial legal person governance mechanism, the improvement of capital adequacy, the prevention and control of risks, the strengthening of management and the improvement of efficiency, and the active and steady promotion of joint-stock reform. In accordance with the "three transformations", business operation should be transformed from time to time, from single to comprehensive, To realize the steady development of business, we should change from the leadership to the whole staff, innovate and adopt the working method of "three pronged, five person joint guarantee", focus on creating the working mechanism of "big case prevention, big linkage", manage cases, prevent and control business risks, always keep in mind the tenet of "serving agriculture, rural areas and farmers", give full play to the advantages of scale, network and local, vigorously support the local economic construction, and integrate the whole society Great changes have taken place in the development situation of China's economy. It's the right time for transformation and leap forward, and the prospect is very good. In 2007 and 2008, the Provincial Association implemented the "3300 project of benefiting farmers", which effectively promoted and led the development of rural economy in the whole province. The purpose of serving agriculture, rural areas and farmers has become increasingly prominent. In 2009, the Provincial Association launched the "action plan of supporting agriculture and benefiting the people" through the implementation of base construction "Seven major projects", namely, leading enterprises, three cooperatives linkage, youth entrepreneurship, rural credit, organizing funds, and revitalizing old loans, have achieved the "two major goals" of providing 100 billion yuan of agricultural loans and financial services such as deposit, loan, and settlement for 3 million farmers in the whole year, and have truly become the main financial force to support the rural economic development of Shanxi Province; in 2010, to promote the "comparative study" strategy Taking the activity of "learning, comparing style, comparing skills and creating excellent performance" as the main line, the provincial associated press has determined the overall idea and goal of "consolidating, improving, innovating and catching up". In line with the five requirements of "deepening reform and activation, strengthening management and risk control, improving technology and means, innovating services to promote development, and adhering to the purpose of benefiting agriculture, rural areas and farmers", the provincial associated press has actively promoted "mechanism transformation, supporting agriculture and benefiting the people, and serving innovation" In 2011 and 2012, in accordance with the overall working idea of "strengthening service, promoting transformation and striding over", the provincial Associated Press paid close attention to the implementation of the eight projects, with frequent business highlights and obvious achievements and progress in business development.
Shanxi achievements
From before 2008 to the end of January 2013, the asset scale of Shanxi rural credit cooperatives increased from 289 billion yuan to 661 billion yuan, more than doubling in five years. 2. The balance of deposits increased from 166.1 billion yuan to 449.5 billion yuan, nearly doubling in five years. 3. The balance of loans increased from 109.8 billion yuan to 277 billion yuan, more than doubling in five years. 4. The capital adequacy ratio rose to 9.4%, exceeding the regulatory requirement of 8%, ranking the first in the same industry in China. 5. The loan loss reserve adequacy ratio increased from 14% to 83.1%, with an increase of nearly 70 percentage points in five years. 6. The provision coverage ratio increased from 32% to 66.12%, doubling in five years. 7. The proportion of non-performing loans dropped to 9.32%, and at the lowest point it dropped to 7.5%. 8. The annual operating income in 2012 was 3.13 times of that in 2007. Among them, the operating profit is 2.54 times of 2007. 9. Historical losses will be fully absorbed within three years, and rural credit will be socialized by the provincial government
Chinese PinYin : Shan Xi Sheng Nong Cun Xin Yong She Lian He She
ShanXi Rural Credit Union
. Zhong Guo Nong Ye Fa Zhan Yin Hang
. Ning Jin Min Sheng Cun Zhen Yin Hang Gu Fen You Xian Gong Si
Ningcheng contractor Village Bank Co., Ltd. Ning Cheng Bao Shang Cun Zhen Yin Hang You Xian Ze Ren Gong Si
. He Nan Zhang Ge Nong Cun Shang Ye Yin Hang Gu Fen You Xian Gong Si
Guangxi Yinhai National Village Bank Co., Ltd. Guang Xi Yin Hai Guo Min Cun Zhen Yin Hang You Xian Ze Ren Gong Si
Nanning Jiangnan National Village Bank Co., Ltd. Nan Ning Jiang Nan Guo Min Cun Zhen Yin Hang Gu Fen You Xian Gong Si
Funing Rural Credit Cooperative Association. Fu Ning Xian Nong Cun Xin Yong He Zuo Lian She
. Jie Xin Xiao Fei Jin Rong You Xian Gong Si
. Shang Hai Guo Li Huo Bi Jing Ji You Xian Gong Si
. Shan Dong Sheng Cheng Shi Shang Ye Yin Hang He Zuo Lian Meng You Xian Gong Si