Summary of Personal Services for Agriculture, Countryside and Farmers * * Report on Basic Financial Services of Banks * * There are * business outlets within the jurisdiction of banks, including * rural outlets, * urban outlets and * employees. According to the relevant requirements of the Banking Regulatory Bureau, the Bank conducted an investigation on the "every village" business of basic financial services within its jurisdiction, and the report is as follows.
I. Basic information
By the end of September, the bank had set up * * ATMs and * * ATMs at * outlets within its jurisdiction; Equipped with * POS machines * and other machines, of which * machines for helping farmers to withdraw money, self-service machines have a coverage rate of *% in the village, and handled more than 0/0000 inquiries, deposits and withdrawals, and transfers. The bank issued a total of *10,000 cards, expanded the number of users of mobile banking and online banking, and handled more than *10,000 inquiries, transfers and payments. The cumulative agent issued various agricultural subsidies of * million yuan, amounting to * million yuan.
Second, the main practices
(1) Leaders attach importance to overall arrangement. As the main force serving rural finance, * * Bank adheres to the service concept of "agriculture, rural areas and farmers", and is based on rural areas, supporting agriculture and serving agriculture. The Board of Directors has set up a special planning committee for the development of agriculture, rural areas and farmers to make overall arrangements for rural financial services.
(II) Promotion has been steadily promoted. In recent years, the bank has successively launched a publicity campaign to send financial knowledge to the countryside, a publicity campaign to promote mobile banking, and a special campaign to introduce financial knowledge into the campus; Hold "* * Cup" * * competition, * * walk into * bank, * * publicity events such as courtesy education activities; * Publicity booths and more than * business publicity materials were distributed in * business outlets, and the basic financial services within its jurisdiction were widely publicized and promoted.
(III) Reasonable Planning and Expanding Services At the beginning of the year, the bank made a reasonable plan for the deployment of self-service equipment and self-service machines within its jurisdiction, and made a thorough statistics on the deployment of self-service machines in blank areas of financial services and some rural outlets. By the end of September, the bank has set up * self-service banks in * * communities and * * parks, and plans to deploy * self-service deposit and withdrawal machines and * self-service cash machines in suburban rural outlets, which can provide convenient and efficient financial services for more than * 10,000 farmers under its jurisdiction.
Third, there are shortcomings.
(A) There are still blank areas in rural basic financial services. Rural basic financial services is a comprehensive work, involving many aspects of planning, promotion and implementation. At present, there are still * * townships, * * townships and * * townships within the bank's jurisdiction that have not set up business outlets.
(2) Business promotion needs to be further strengthened. As the financial institution with the largest number of outlets in the city, the bank has done a lot of work in business promotion, but some village groups are still not covered. In the future, the bank will further strengthen the business promotion of entering villages and households.
(3) inclusive finance's service capacity needs to be further improved.
After the restructuring, * Bank has a greater responsibility to carry out inclusive finance. Our bank has promoted new businesses and products such as * card and mobile banking within its jurisdiction. On this basis, we will launch products such as * * and * * to further enrich financial products and serve inclusive finance.
Summary of Personal Service for Agriculture, Rural Areas and Farmers Chapter II Summary of XX Association's Financial Support for the Year of Service for Agriculture, Rural Areas and Farmers In order to give full play to the leverage of financial support for economic and social development, effectively strengthen and improve financial services for agriculture, rural areas and small and medium-sized enterprises, and promote the transformation of economic development mode in our county, our county association has launched financial support for the year of service for agriculture, rural areas and farmers in the credit cooperatives under its jurisdiction. In the first half of the year, all the work was carried out in an orderly manner, and the level of rural financial services in our county was improved by innovating rural financial products and services.
I. General situation
(1) Credit input. In the first half of the year, the loan balance of county credit cooperatives was XX billion yuan, a net increase of XX billion yuan or XX% over the beginning of the year.
Among them, agricultural loans amounted to XX billion yuan, a net increase of XX billion yuan or XX% over the beginning of the year, which was higher than the increase of various loans. The loan balance of small and medium-sized enterprises is XX billion yuan, a net increase of XX billion yuan over the beginning of the year, with an increase of XX%, which is higher than the increase of various loans. At the same time, the balance and increment of various loans of credit cooperatives in the county account for XX% and XX% of the financial institutions in the county respectively, and the balance and increment market share rank first in the county.
(2) payment and settlement. In the first half of the year, the county credit union issued XX Baifu cards, totaling XX cards, and the per capita card holding amount reached XX cards/person, an increase of XX cards/person compared with the beginning of the year; Xx ATMs were added, with a total of XX ATMs, with an average of XX ATMs/10,000 people, an increase of XX ATMs/10,000 people compared with the beginning of the year; XX credit card terminals (POS) were added, totaling XX, with per capita XX/ 10,000, an increase of XX/ 10,000 compared with the beginning of the year; The credit card consumption transaction volume in the county is XX billion yuan, accounting for 10% of the total social retail consumption.
(3) Credit construction. By the end of June, county credit cooperatives had established 390 12 credit files of farmers, XX credit files of farmers' professional cooperatives and XX credit files of township enterprises, covering XX%.
(4) currency circulation. In the first half of the year, the county association organized anti-counterfeiting publicity for XX times within its jurisdiction, covering 10 township outlets, 4 urban outlets and 2 suburban outlets throughout the county, with publicity coverage reaching 100%. At the same time, the Associated Press actively put cash back into circulation, * * * turned over the damaged currency XX million yuan and put in the new currency XX million yuan.
Second, the main work measures.
(A) around the "three rural" development, focusing on implementation. In order to effectively implement the work requirements of Nanchang Branch of the People's Bank of China on "developing financial support for agriculture and serving agriculture, rural areas and farmers", our county association established a leading group for "developing financial support for agriculture and serving agriculture, rural areas and farmers", forming a work pattern in which the "top leaders" of the association personally grasp, the leaders in charge specifically grasp, and all departments perform their respective duties and fully implement them. Combined with the actual situation in the jurisdiction, the implementation plan for the development of financial support services for agriculture, rural areas and farmers of rural credit cooperatives was formulated, which clarified the working ideas and key points, decomposed the specific work into counterpart departments, and the counterpart departments were responsible for the implementation, clarified the work responsibilities, and made the ideological understanding, organization and deployment in place and measures in place to truly implement the financial support for the development of agriculture, rural areas and farmers.
(two) around the characteristics of agriculture, focusing on supporting agricultural production. First, according to the cyclical characteristics of agricultural production, improve the loan operation process and build a "green channel" for farmers. 20 1 1 year, the total demand of spring ploughing production in the county is 1 0.90 billion yuan, of which 20 million yuan is raised by farmers themselves and needs the support of credit cooperatives10.69 billion yuan, and other sources110,000 yuan. There are 19254 farmers who need loans for spring ploughing production, accounting for 34.7% of the total number of farmers. By the end of June, our county association had supported 72 million yuan of spring ploughing funds, including 38 million yuan of grain seeds, 4 million yuan of agricultural machinery, 8 million yuan of chemical fertilizer, 2 million yuan of agricultural film, 4 million yuan of livestock and other means of production. According to the prudent monetary policy, our county association controls the pace of credit supply, actively strives for scale, makes room, and ensures the supply of funds for supporting agriculture. Second, according to the fragile characteristics of agricultural production, we should take prompt action to ensure the normal production and living order of the affected farmers. In the first ten days of June, large-scale continuous rainfall caused 28,529 hectares of cultivated land in 8 towns and villages in the county to be affected, and the direct economic loss reached10.90 billion yuan. Our county union keeps abreast of the disaster situation of farmers, simplifies the loan procedures on the premise of effectively preventing risks, and gives priority to loans to affected farmers to help them tide over the difficulties.
(3) Focusing on stabilizing farmers' income and supporting rural youth to start businesses. Since 2008, a large number of migrant workers have returned to their hometowns, resulting in a surplus of rural labor force, which has had a certain impact on the economic development and social stability of our county. According to the guidance of the provincial association, our county association supported rural youth's entrepreneurship around stabilizing farmers' income, trained a group of entrepreneurial youth, and stimulated rural youth's entrepreneurial enthusiasm. By the end of June of 20 1 1, our county union had issued 248 youth entrepreneurship loans with the amount of12.89 million yuan, with a loan balance of 81500,000 yuan, which solved more than 2,000 rural surplus laborers. The work of pioneering loans has been carried out in a solid and effective manner, with effective measures and good social response.
(four) around the "win-win cooperation", focusing on supporting farmers' professional cooperatives. Since 2009, our county association has started the joint guarantee loan of XX aquaculture professional cooperative in the mode of "joint guarantee+guarantee fund", which has built a financing platform for the sound and rapid development of large aquaculture households and realized the benign interaction between economy and finance and the win-win situation of social farmers. By the end of 2011June, a total of RMB10.2 million had been granted to members of six aquaculture cooperatives, effectively supporting the capital needs of large local aquaculture enterprises.
(5) Focus on supporting "leading" enterprises around regional economic development.
Increase credit support for leading enterprises in agricultural industrialization, and give key support to 10 enterprises such as Jiangxi Nongwang Industrial Co., Ltd., XX Swan Lake polished rice factory and Jiangxi Yujing Ecological Agriculture Co., Ltd., which have continuously invested capital. The accumulated loan support is13.5 million yuan, and the loan balance is 3.35 million yuan, which ensures the capital demand of enterprises, promotes agricultural industrialization, and effectively promotes the recovery of large-scale agricultural economy and the efficiency improvement of rural credit cooperatives.
(six) around the "people's livelihood finance", the implementation of the discount policy. Trade unions in our county actively fulfill their social responsibilities, increase their support for people's livelihood projects, give priority to supporting young people to return to their hometowns to start businesses, and actively meet the financial needs of social vulnerable groups such as laid-off and poor students, which fully reflects the main force position of rural finance. On September 20 10, the Associated Press held a youth entrepreneurship fair in conjunction with the People's Bank of County and the Youth League Committee of County. At the meeting, we took the initiative to connect entrepreneurial youth, and signed on-site contracts with 100 households, with a contracted amount of 2.95 million yuan, which supported a large number of young entrepreneurs and contributed to local economic development.
2011at the end of June, a total of 66.64 to 10000 yuan was granted to laid-off workers, and the loan balance reached 26,965,438+10000 yuan; A total of 3.06 million yuan of student loans were issued, and the loan balance reached 2 1 1 10,000 yuan; A total of12.89 million yuan was granted for youth entrepreneurship loans, and the loan balance reached 8150,000 yuan.
Third, the existing difficulties.
(a) Limited credit support for agriculture.
Since the beginning of this year, the central bank has raised the deposit reserve ratio six times in a row, and after locking in funds, the credit funds that credit cooperatives can put in have decreased, weakening the credit support for agriculture. By the end of June, 20 1 1, the deposit reserve ratio of XX joint implementation was 14.5%, which was 3 percentage points higher than that at the beginning of the year, and the locked capital was 37.5 million yuan. According to the spring ploughing survey and the disaster situation in the second quarter, due to the macro-control, the current credit demand of 65 million yuan cannot be met in time.
(2) Difficulties in financial product innovation Although rural credit cooperatives have been promoting and distributing farmers' micro-credit loans, joint-guarantee loans and other convenient agriculture-related loans for a long time, their total investment accounts for a small proportion of the total loans. It is still common for farmers and small agricultural enterprises to mortgage and guarantee loans, and traditional loan methods are still adopted at present.
First, credit cooperatives do not have professional institutions to study financial product innovation. Second, farmers and agriculture-related enterprises have no effective collateral, and the mortgage registration procedures for urban houses and rural homesteads that can provide mortgages are cumbersome and costly.
(3) Financial services are not perfect. Judging from the follow-up supervision of civilized and standardized services, most credit cooperatives are not perfect in service methods. The regulatory results show that XX people in the county credit cooperatives have irregular services, with a cumulative penalty of XX points and a fine of XX yuan from the Ministry of Economic Affairs. It is mainly manifested in the non-standardization of civilized language, business process and system implementation, which shows that the service level needs to be further improved.
IV. Next Work Plan
(a) efforts to liberalize the scale of credit, and actively meet the financial needs of agriculture, rural areas and farmers. 20 1 1 Our agency is trapped by the limited scale of rural credit cooperatives and the income-increasing methods that cannot be changed in a short time. At present, the only way to achieve greater operating efficiency is to further expand the scale of effective credit and enhance the ability to increase profits. Therefore, we must first actively collect non-performing loans. It is necessary to strictly control the generation of new non-performing loans, do a good job in the timely recovery of loans due every month, dig deep into the potential of collecting old non-performing loans, and make room for the scale of credit.
Secondly, we should carefully write off the lost loans. Take the method of "externalizing domestic sales" for the loss loans, that is, continue to maintain the pressure of collection for internal write-off and reduce the credit scale occupied by the loss loans; Finally, we must win the support of local governments. With the great opportunity of the development of new urban areas in our county, we will strengthen communication with the government, strive for policy support, and use land resources to replace our non-performing loans.
(2) Innovating loan guarantee methods and expanding the scope of effective collateral. According to the characteristics of agricultural development and rural economy, according to relevant laws, we will further expand the scope of property that farmers and rural enterprises can apply for loan guarantees, actively standardize and improve the operation process of agriculture-related secured loans, and establish and improve the evaluation, management and disposal mechanism of agriculture-related secured loans. In accordance with the principle of adapting measures to local conditions and being flexible and diverse, we will explore the development of mortgage loans such as large-scale agricultural production equipment, forest rights and the right to use water and beaches, and standardize the development of pledge of rights such as accounts receivable, equity, warehouse receipts and certificates of deposit. In principle, all kinds of movable and immovable property that do not violate existing laws and regulations, have clear ownership of property rights and interests, and can effectively control risks can be explored for loan guarantee.
(3) Strengthen supervision and implementation, and continuously promote standardized services. On the one hand, professional training companies regularly supervise the follow-up work of introducing civilized and standardized services, supervise the implementation of standardized services at various outlets through unannounced visits, and report the supervision results to standardize the service methods of employees. On the other hand, trade unions should focus on standardizing services, persistently form a daily working mechanism, comprehensively standardize staff services, and improve the level of financial services.