Hegang Shiqu Rural Credit Cooperatives Union(he gang shi shi qu nong cun xin yong he zuo lian she )

Implementation plan of high quality development of rural cooperative financial institutions in Hegang City

According to the notice of Heilongjiang Provincial People's Government on printing and distributing the implementation plan for the high quality development of rural cooperative financial institutions in Heilongjiang Province (heizhenggui [2019] No. 6), accelerating the reform of the property right system of rural credit cooperatives, preventing and resolving various risks of rural cooperative institutions, and promoting the high-quality development of rural cooperative financial institutions are the main tasks of the current comprehensive reform of rural cooperative institutions. In order to further accelerate the reform of the property right system of Hegang Urban Rural Credit Cooperatives (hereinafter referred to as Hegang urban rural credit cooperatives) and achieve high-quality development, this plan is formulated according to the requirements of the state, the provincial Party committee and the provincial government and in combination with the actual situation of our city.

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1、 General requirements

（1） Guiding ideology. Guided by Xi Jinping's socialist ideology with Chinese characteristics in the new era, we carried out the nineteen spirit of the party in an all-round way, thoroughly implemented the important speech of general secretary Xi Jinping in the in-depth discussion on the revitalization of Northeast China and inspected the important directive spirit of our province, and persisted in the question oriented and bottom line thinking in accordance with the four plenary session of the twelve provincial Party committee and the provincial financial work conference, and insisted on the new development. We should firmly grasp the requirements of high-quality development, take "restructuring, chemical insurance and high-quality development" as the main line, accelerate the reform of the property rights system of rural credit cooperatives, vigorously resolve the historical burden, continuously optimize the regulatory indicators, strive to improve the operation and management mechanism, enhance the ability to serve the city's real economy and "agriculture, rural areas and farmers", improve the risk prevention and control system of rural cooperative institutions, and strengthen the party's leadership We should strengthen the leadership of rural cooperative medical institutions and realize the high-quality development of rural cooperative medical institutions in the city.

（2） Basic principles.

1. Adhere to unified leadership. Under the unified leadership of the municipal Party committee and the municipal government, the comprehensive reform of rural cooperative medical institutions in our city has been comprehensively deployed and promoted. Relevant government departments should organize, formulate measures, clarify policies and accelerate the implementation. The rural cooperative medical institutions should implement the requirements of comprehensively and strictly governing the party, run the party construction through the whole process of the reform of the rural cooperative medical institutions, and ensure the smooth progress of the reform of the rural cooperative medical institutions and achieve actual results.

2. Insist on taking the initiative. Rural cooperative medical institutions are the main body responsible for the reform. We should emancipate our minds, be inward, dare to take the responsibility, take the initiative, enhance the endogenous power of reform, and focus on solving the deep-seated system and mechanism problems that restrict the development of rural cooperative medical institutions.

3. Adhere to the bottom line thinking. We should follow the principle of treating both the symptoms and the root causes, complying with the rules and regulations, strengthen risk awareness, improve the long-term mechanism of risk prevention and control, prevent and control all kinds of risks of rural cooperative medical institutions, improve the ability of risk prevention and control, and firmly hold the bottom line of no regional systemic financial risks.

4. Adhere to the policy of classification. We should focus on the problem orientation, adhere to the classified promotion, strictly implement the relevant laws and regulations, follow the market-oriented principle, and take a number of comprehensive measures to promote the reform of urban cooperatives with the implementation path of "suppressing non-performing loans, increasing assets, transferring mechanism, and improving capacity".

5. Insist on steady progress. We should correctly handle the relationship between comprehensive reform and respect for reality, between comprehensive reform and promoting development, and between comprehensive reform and maintaining stability. We should grasp the scope, sequence, rhythm, and strength of reform to ensure that all reform work is carried forward in a down-to-earth manner and to seek practical results.

（3） Objective of the work. On the basis of basically completing the replacement of non-performing assets of Hegang City Association in 2019, by the end of 2020, the restructuring of Hegang City Association will be fully completed, the corporate governance structure will be more perfect, the ability to resist risks will be further enhanced, and the level of serving the real economy will be significantly improved.

2、 Accelerate the reform of property right system of rural credit cooperatives

Comprehensively implement the reform measures and supporting policies determined in the implementation plan for speeding up the reform of the property right system of rural credit cooperatives in the whole province (No. 11 [2018] of the Hei Zheng ban GUI), and take multiple measures to accelerate the pace of reform.

（1） The way of reform. On the basis of government assistance, we should introduce powerful strategic investors, and the maximum shareholding ratio of a single enterprise can reach 30%. After the introduction of strategic investors to digest the bad assets, if there is still a capital gap, the government should inject high-quality assets to replace the bad assets of Hegang City Union and make up for the restructuring gap in full. Considering the economic situation of our city, the development needs of rural commercial banks after its establishment and the protection of shareholders' interests, the total amount of equity is to be determined as RMB 500 million.

（2） Key work and multiple strategies should be carried out simultaneously.

1. Vigorously collect non-performing loans and accelerate the return of litigation costs. The Public Security Bureau, the court, the procuratorate and other departments have continued to carry out the special action of "clearing non-performing loans and building commercial banks" with the help of legal, economic and administrative means to help clear non-performing loans, crack down on malicious debt evasion according to law, and create favorable conditions for promoting the establishment of rural commercial banks. At the same time, the court should cooperate with the return of prepaid litigation costs to speed up the enforcement.

2. The government injects high-quality assets to replace non-performing loans. Asset replacement is an important measure to resolve the historical burden of rural credit cooperatives and accelerate the reform of rural credit cooperatives. For Hegang City Union, if there is still a capital gap after the introduction of strategic investors to digest the bad assets, Hegang municipal government helps rural credit cooperatives to replace the bad assets of rural credit cooperatives with high-quality assets such as land, real estate, woodland and cultivated land according to the principle of "real and effective, easy to realize and fair value". The original management right and management right of the replaced assets accepted by the Municipal Rural Credit Cooperatives remain unchanged. The replaced assets accepted by the municipal rural credit cooperatives have no right to dispose of within 50 years and will be returned to the municipal government free of charge after 50 years.

3. Increase the support of various policies. First, increase the support of fund organization. The financial department shall guide the enterprises and institutions within its jurisdiction to set up special accounts or general accounts in rural credit cooperatives in Hegang City, so as to deposit low-cost funds into rural credit cooperatives. Second, accelerate the work of real estate registration change. (1) To open up a "green channel" for the real estate registration and change of Hegang City Association; (2) to give maximum support in charge, approval and other aspects to the self owned real estate with incomplete license of Hegang City Association; (3) for the real estate of Hegang City Association whose name is inconsistent due to the previous reform, after supplementing the relevant materials, it will be directly handled to the name of the rural commercial bank after the reform; (4) for the real estate of Hegang City Association whose name is inconsistent due to the previous reform Provide policy support for the related taxes and fees in the process of replacement and change of movable property. Third, strengthen supervision and guidance. The Municipal Bureau of banking and insurance supervision should actively do a good job in policy guidance, supervision and inspection, acceptance and control of the restructuring. It should guide the whole process from preparation to approval of opening, and give the greatest support in administrative license approval and new business development.

4. Actively introduce strategic investors. Build a platform for bank enterprise docking, and actively attract high-quality enterprises to participate in investment in accordance with the principles of "based on the local, market-oriented, equal participation, fair competition, agriculture related main business and excellent qualification".

5. Strive to improve the operation and management mechanism. Hegang City Association should strengthen its own management, guard against business risks, fully stimulate endogenous power, improve business regulatory indicators, and speed up the pace of reform.

3、 Actively promote rural commercial banks to establish modern financial enterprise system

（1） Standardize the management of shareholders' equity. Actively introduce all kinds of qualified high-quality investors to realize the diversification of equity structure. It is necessary to implement centralized trusteeship of stock rights and realize standardized and transparent management of stock rights.

（2） Improve the corporate governance structure. We should give full play to the leading core of the party organization, the decision-making role of the board of directors, the supervision role of the board of supervisors, and the operation and management role of the senior management, improve the collective decision-making mechanism, and ensure that the decision-making, management, and supervision of the "three committees and one layer" perform their respective duties and responsibilities, coordinate their operation, and effectively check and balance.

（3） Strengthen the construction of internal control mechanism. The board of directors should manage the whole process of internal control, implement the hierarchical responsibility system, and bear the corresponding responsibility for the heavy losses caused by internal control problems. The board of supervisors is responsible for supervising the board of directors and senior management to improve the internal control system and system, and earnestly fulfill the responsibility of internal control supervision.

（4） Improve the incentive and restraint mechanism. Focus on improving the performance evaluation system of directors, supervisors and senior management, clarify the performance evaluation standards, implement the differentiated salary distribution system compatible with development strategy, risk management, business performance, job responsibilities, social responsibility and corporate culture, and fully mobilize the enthusiasm of employees.

（5） We will promote the reform of the personnel system. We should adhere to the principle that the party is in charge of cadres, establish a mechanism for classified management and mobility of leaders, adhere to the market-oriented selection and employment of talents, and strengthen the introduction, training and exchange of talents. We should build a modern human resource management system, control the total amount of employment, implement strict post and staff quota, and change identity management into post management. We should establish a system of open selection, competitive selection, tenure system, contractual management and regular assessment of management personnel, so as to truly reflect the "ability to go up and down" and "ability to enter and exit".

（6） Establish accountability mechanism. The major decision-making procedures, decision-making performance records and decision-making negligence evaluation standards shall be clarified, and the mechanism for investigating and investigating the responsibility for major decision-making errors and dereliction of duty as well as the responsibility for illegal operation shall be established. If a crime is constituted, it shall be transferred to the judicial organ for criminal responsibility. We should improve the supervision mechanism, and strictly investigate the responsibility of the relevant personnel for those who turn a blind eye to the violation of rules and regulations, who conceal but do not report, and who investigate but do not strictly.

4、 Continuously improve the quality and efficiency of rural cooperative medical institutions in serving the real economy

（1） Comprehensively improve the service level of agriculture, rural areas and farmers. Focusing on the supply side structural reform of agriculture and the construction of a strong agricultural province, we should return to the main business, develop steadily, and further increase the support for the "agriculture, rural areas and farmers" and the industrial projects of "agriculture first, industry last" and "grain first, food last". We will consolidate and strengthen cooperation with state farms and forest industry enterprises, and continue to increase financing services for new agricultural operators. We should innovate professional and characteristic products and service modes, explore online application and approval of credit business, improve the convenience of agricultural financial services, reduce financing costs, and enhance the sense of customer acquisition.

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