Broaden the channels of increasing income and optimize the income structure
The first is to broaden the field of intermediate business. On the one hand, it is necessary to strengthen cooperation with insurance companies and intermediaries, develop rural insurance agency business, and constantly standardize and promote various rural property insurance, personal insurance and policy insurance businesses. On the other hand, it is necessary to strengthen cooperation with agriculture, forestry, hydropower and other departments, carry out the business of collecting and paying on behalf of enterprises and individual customers, and create conditions to carry out rural information consultation, rural investment consultant, asset evaluation and enterprise credit rating evaluation. The second is to fill the gap in e-banking as soon as possible. Full implementation of large and small payment systems, improvement of national universal deposit and withdrawal, super online banking system, telephone banking, online banking and other services, and diversification of payment and settlement methods. The third is to increase the variety of loans. Explore relevant policy support, start personal housing loans and personal commercial housing loans, and develop enterprise joint guarantee loans, warehouse receipt pledges and accounts receivable pledge loans. The fourth is to carry out bill discount business. It is suggested that qualified county-level associations set up bill business centers. Equipped with capable personnel, select employees with strong marketing ability, good service attitude and high comprehensive quality to enrich the management positions of bill business and further enrich the credit business products of rural credit cooperatives.
Deposit is the basis for the establishment of cooperatives, the basis for operation and the source of interests. Practice has proved that the larger the deposit scale, the higher the business scale and the higher the business efficiency. Therefore, rural credit cooperatives should further improve their understanding of the importance and urgency of the rapid growth of deposit scale. First, correct the old method of "point-in-time assessment" and implement the daily average balance assessment to prevent the sudden increase of deposits and maintain the steady growth of deposit balance. Second, improve the linkage mechanism of deposit and loan, scientifically set loan-to-deposit ratio and rate of return on capital indicators as reference conditions for lending and not lending, lending more and lending less, and interest rates, and cultivate the concept that customers can get loan support when they are in urgent need by saving more. Third, focus on the three major sources of storage: financial funds, project funds and derivative funds, intensify coordination and tackle key problems, implement comprehensive marketing and differentiated services, and promote the steady growth of corporate deposits.
Implement flat management and optimize business institutions.
The first is to improve the management platform directly under the county association. County-level cooperatives set up three business platforms: corporate business department (personal loan business department) as credit marketing platform, risk asset management department as clearing and settlement platform, and operating liability business department as fund organization platform. The business indicators, approved personnel and expenses issued by it shall be assessed separately. Second, according to the actual situation, we should implement differentiated business strategies, such as timely saving, timely lending and timely management. Namely: which credit cooperative has the advantage of deposit, it takes deposit as the highest pursuit goal; Which credit cooperative has the loan advantage, even if the deposit resources are not strong, we should unswervingly implement loan marketing; All credit cooperatives with chaotic management and low quality of senior managers must first rectify and investigate their responsibilities. Take rigid measures to rectify, including opening up markets, optimizing customers, increasing income and safeguarding employees' interests; Improve the quality of credit assets and strengthen interest management on and off the balance sheet. The third is to speed up the construction of boutique outlets. It is necessary to classify and queue all business outlets, calculate the break-even point of production capacity and benefits, actively strive for the support of regulatory authorities, and gradually eliminate outlets with incomplete functions, substandard production capacity and comprehensive accounting losses. Give priority to the distribution of boutique outlets with market development potential, improve service efficiency and enhance the competitive image.
Integrate human resources and optimize personnel structure
Rural credit cooperatives should adapt to the needs of business transformation and business competition, effectively adjust the personnel structure, give full play to the advantages of human resources and enhance the core competitiveness of rural credit cooperatives. The first is to optimize the cadre structure. Improve the mechanism of competitive selection of cadres, adhere to both ability and political integrity, and put morality first. The second is to enrich the marketing team. We should reduce the number of government employees, promote competition for posts and elimination of the last position, encourage outstanding employees to enrich their marketing positions through competition, enhance their front-line marketing ability, establish a system for the transition of marketing teams to senior management positions, and make marketing positions the envy and yearning of people by improving the status and working conditions of marketing personnel. The third is to optimize the personnel structure. Establish a talent introduction mechanism to increase the proportion of high-quality talents. Smooth the exit channels for employees, encourage internal retirement, and rationally divert surplus personnel. With the help of key universities or social training institutions, do a good job in employee education and training.