Shuangyashan Urban Rural Credit Cooperative Association(shuang ya shan shi shi qu nong cun xin yong he zuo lian she )

Implementation plan of property right system reform of rural credit cooperatives in Shuangyashan City

In order to further accelerate the reform of the property right system of rural credit cooperatives in the city, this implementation plan is formulated in accordance with the key tasks of the leading group for comprehensively deepening the reform of the municipal Party committee in 2018 and the spirit of the special promotion meeting on deepening the reform of the comprehensive front task held by the municipal government on May 9.

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1、 Guiding ideology

Comprehensively implement the spirit of the 19th National Congress of the Communist Party of China, thoroughly implement the spirit of the 12th provincial Party Congress and the second plenary session of the 12th provincial Party committee, earnestly implement the spirit of the national and provincial financial work conference, according to the unified deployment of the provincial Party committee and the provincial government, focus on deepening the reform of the property rights system, accelerate the establishment of rural commercial banks, vigorously resolve the historical burden, continuously optimize the regulatory indicators, and strive to achieve the goal Improve the operation and management mechanism, and further improve the level and ability of serving the local economy.

2、 Work objectives

Speed up the restructuring of Shuangyashan Office of provincial rural credit cooperatives in an all-round way, strive to complete the restructuring of Baoqing Association and Shuangyashan City Association by the end of 2018, and complete the restructuring of five rural cooperative organizations in our city. At the same time, we should guide the rural commercial banks that have completed the restructuring to further consolidate the reform achievements, consolidate the operation foundation, introduce the modern commercial bank management system, accelerate the transformation and development, improve the quality and efficiency, and create a number of modern rural financial institutions with clear property rights, sufficient capital, perfect governance, strict internal control, safe operation, and efficient service, so as to serve "agriculture, rural areas, and farmers" more effectively and better To adapt to and support local economic development.

3、 Implementation steps

The city's five associated press, friendship rural commercial bank has been successfully restructured in 2012. Jixian Association and Raohe association were restructured into rural commercial banks on December 29, 2017. On December 29, 2017, Baoqing associated press has obtained the approval from the provincial Banking Regulatory Bureau for the preparation of rural commercial bank; on December 29, 2017, Shuangyashan urban associated press has completed the legal procedures to be performed, such as the member congress. In 2018, Baoqing Associated Press and Shuangyashan urban associated press will restructure according to the following steps:

（1） Baoqing associated press.

In March 2018, we will complete the implementation of the supplementary work of safety certification and fire safety certification of individual outlets, draft the articles of Association (Draft), and formulate the rules of procedure, internal management system and future development plan of the three committees.

In April 2018, the sponsor's share capital was deposited into the capital verification account, the intermediary structure was employed to verify the capital and issue the capital verification report; the preliminary review of the senior management's employment information was completed; the announcement of the general meeting of shareholders was issued on TV, and the general meeting of shareholders, the board of directors and the board of supervisors were held.

In May 2018, the company completed the work of cashing in forest property rights and issued the audit report on the departure of senior managers.

In June 2018, we will complete the replacement of house property certificate and real estate certificate; apply to Shuangyashan branch of China Banking Regulatory Commission for the preliminary examination of the opening materials of Baoqing associated press; formally report the opening materials to Shuangyashan branch of China Banking Regulatory Commission and rectify the problems; after the rectification, we will formally report the opening materials to the provincial banking regulatory bureau, and officially open the business after obtaining the approval from the provincial banking regulatory bureau.

（2） Shuangyashan City Association.

From January to March, 2018, we will complete the assets and capital verification and asset appraisal work, apply to Shuangyashan branch of CBRC for acceptance of the assets and capital verification and asset appraisal work, and rectify the problems raised by Shuangyashan branch of CBRC.

From March to September, 2018, the company completed the confirmation and distribution of net assets and the disposal of the original share capital, applied to Shuangyashan regulatory branch of CBRC for the preliminary examination of the preparation materials of Shuangyashan City Associated Press, and rectified the problems raised by Shuangyashan regulatory branch of CBRC; the preparation materials were officially reported to the provincial banking regulatory bureau, and the preparation reply was obtained at the end of September.

From September to December, 2018, it is expected to complete the payment of share capital and employ an intermediary structure to verify the capital and issue a capital verification report; complete the preliminary review of senior executives' employment information; hold the general meeting of shareholders, the board of directors and the board of supervisors, and issue the announcement of the general meeting of shareholders on TV; formally report the opening materials to the Shuangyashan regulatory branch of CBRC, and put forward suggestions to the Shuangyashan regulatory branch of CBRC The opening materials were officially reported to the provincial banking regulatory bureau, and the approval for opening was obtained, and the company was officially listed for opening before the end of the year.

4、 Promotion measures

（1） Set up organizations and strengthen coordination. In order to effectively promote the property right system reform of Shuangyashan Office of provincial rural credit cooperatives, the municipal government set up a leading group of Shuangyashan rural commercial bank, headed by Vice Mayor Xin min. In order to speed up the implementation, the leading group has four working groups, namely, the non-performing loan collection group, the asset confirmation group, the inspection and supervision group, and the policy guidance group. In order to improve the comprehensive strength and anti risk ability of Shuangyashan Office of provincial rural credit cooperatives, the municipal government has set up a special action leading group of Shuangyashan rural cooperative financial institutions to collect non-performing loans, headed by Vice Mayor Feng Haijun. Relevant units coordinate and form joint forces to improve the efficiency of collection. The municipal financial service center will take the lead in coordinating the municipal and county governments, Shuangyashan central sub branch of the people's Bank of China, Shuangyashan supervision branch of China Banking Regulatory Commission and relevant units and departments directly under the municipal government, inspecting and guiding the reform of legal person organizations of Shuangyashan Office of provincial rural credit cooperatives, and putting forward policy suggestions to the municipal leaders to solve difficult problems.

（2） Strengthen supervision and guidance, clear implementation of responsibility. Shuangyashan Office of provincial rural credit cooperatives should formulate a property right system reform plan in line with the actual situation of reform and development, regularly report the progress of property right system reform, and take effective measures to coordinate and deal with the difficulties and problems encountered in the process of reform. Speed up the reform of property right system of Shuangyashan Office of provincial rural credit cooperatives, actively coordinate with Municipal Public Security Bureau, intermediate court and other units, assist Shuangyashan Office of provincial rural credit cooperatives to carry out the special action of "clearing non-performing loans and building commercial banks", print and distribute the implementation plan of special action of "clearing non-performing loans and building commercial banks" of rural cooperative financial institutions of Shuangyashan City, and clarify the task and measures of clearing. The third is to coordinate the judicial departments to establish a linkage mechanism in the key links such as filing and disposal of non-performing loan settlement cases. In the judicial process, based on the principle of simplicity and quickness, we should implement quick establishment, quick trial and quick settlement to ensure smooth implementation, create conditions for effective implementation and provide guarantee for settlement.

（3） Give full play to the service function, and do a good job in the formation of staff. Land and real estate departments should simplify the examination and approval procedures, speed up the examination and approval effectiveness, and provide convenience for Shuangyashan Office of provincial rural credit cooperatives in the disposal of non-performing assets and the re application of real estate certificate and real estate certificate. Shuangyashan Office of provincial rural credit cooperatives should scientifically formulate the equity reform plan, optimize the equity structure, and help introduce strategic investors to increase capital and shares through the provincial bank enterprise docking platform, so as to improve the capital adequacy ratio.

（4） Strengthen the construction of credit system and purify the financial environment. Speed up the pace of the city's rural credit system construction, constantly optimize the financial ecological environment, and reduce the market risk coefficient of financial enterprises.

（5） We should strictly enforce work discipline and maintain reform and stability. Relevant departments and units should strengthen communication and liaison to prevent buck passing; Shuangyashan Office of provincial rural credit cooperatives should make overall arrangements for restructuring and daily work, promote the compliance operation of Shuangyashan City Union and Baoqing union according to law, strengthen internal control management, effectively prevent all kinds of risks, and ensure the normal and orderly development of various financial services in the restructuring process.

Notice issued

People's governments of all counties, units directly under the municipal government and relevant units directly under the shuangzhong and the provincial governments:

The implementation plan of property right system reform of rural credit cooperatives in Shuangyashan City has been approved by the municipal government and is now printed and distributed to you. Please implement it carefully.

Office of Shuangyashan Municipal People's Government

October 12, 2018

Policy interpretation

1、 Development background

China's small and micro enterprises should be guided by Xi Jinping's socialist ideology with the Chinese characteristics in the new era. We should focus on the market orientation of "three rural" and small and micro businesses, focus on deepening the reform of the property rights system, accelerate the establishment of rural commercial banks, vigorously resolve the historical burden, continuously optimize the regulatory indicators, enhance the contribution of the local economic development, and strive to make the rural credit cooperatives clear and well capitalistic, and capital adequacy. Modern rural financial institutions with strict control, safe operation, good quality and efficiency.

2、 Formulation basis

According to the implementation opinions of the CPC Heilongjiang Provincial Committee and the Heilongjiang Provincial People's Government on implementing the opinions of the CPC Central Committee and the State Council on serving the real economy, preventing and controlling financial risks and deepening financial reform (heifa [2018] No. 6) (hereinafter referred to as the "implementation opinions"), and in combination with the actual situation of our city, it is drafted.

3、 Main contents

Shuangyashan's "implementation opinions" is consistent with the "implementation opinions of the CPC Heilongjiang Provincial Committee and Heilongjiang Provincial People's Government on implementing the" several opinions of the CPC Central Committee and the State Council on serving the real economy, preventing and controlling financial risks and deepening financial reform ", which is divided into guiding ideology and principles, better serving the real economy, effectively preventing and controlling local financial risks and deepening financial reform We should strengthen the party's leadership in financial work.

（1） Guiding ideology and principles. It is proposed that the financial work should focus on three key tasks: serving the real economy, preventing and controlling financial risks, and deepening financial reform, take the service supply side reform as the main line, and support the "three big articles" as the focus, so as to promote the virtuous cycle and healthy development of the city's economy and finance.

（2） Better serve the real economy. It is proposed that we should take serving the real economy as the starting point and foothold of financial work, and comprehensively improve the efficiency and level of financial services. Including 6. They are: financial institutions should return to the origin and focus on the main business; create a good monetary and financial environment for the development of the real economy; and actively support the city's supply

Chinese PinYin : Shuang Ya Shan Shi Shi Qu Nong Cun Xin Yong He Zuo Lian She