First, grasp the regularity of monetary policy, give full play to the guiding role of the window, and promote the rapid economic development of xxxx.
(1) Strengthen the guiding role of "window". First, at the beginning of the year, the county-wide financial work symposium and the county-wide credit supervision work conference of corporate financial institutions were held to study and deploy the focus of the county's financial work and the direction of credit supervision in xxxx. Second, the county government is required to forward the Notice of the xxxx County Sub-branch of the People's Bank of China on Opinions on Financial Support for Accelerating the Development of Modern Service Industry, requiring financial institutions to intensify financial innovation, constantly improve the level of financial support for accelerating the development of modern service industry, highlight the key points of support, strive to meet the requirements of modern service industry for financial services, seize the favorable opportunity, enlarge and strengthen the role of financial industry in promoting the development of modern service industry, improve risk control, and form a long-term mechanism for financial support for the development of modern service industry. Third, a training course on credit policy of county-level corporate financial institutions was held, which analyzed the current macroeconomic situation in detail and explained in detail various monetary and credit business knowledge such as rediscount, refinancing to support agriculture and deposit reserve management, effectively preventing financial institutions from operating illegally in actual work. The fourth is to organize the cooperation meeting between banks and enterprises in xxxx county, and the county banking institutions signed contracts with 30 enterprises on the spot, with a total amount of 3.9 billion yuan.
(2) Strengthening credit regulation and management. First, the Operating Rules for Credit Regulation of Local Corporate Financial Institutions in xxxx County of China People's Bank was formulated, which stipulated the working mechanism, declaration, verification, measurement verification, supervision and management, agreed loan regulation, rewards and punishments of China People's Bank. Second, the Notice on Further Strengthening Credit Supervision of Corporate Financial Institutions in the Mainland was issued, which put forward clear requirements for doing a good job in monetary and credit supervision. Third, a special assessment of county-level agriculture-related credit was carried out, and the on-site assessment of the implementation of 20 1 1 credit policies of nine county-based banking financial institutions and1three county-level local corporate financial institutions was organized, and the assessment results were reported in time. The fourth is to organize the large-scale verification of credit investment of corporate financial institutions within their jurisdiction.
(3) Make good use of monetary policy control tools. First, strengthen the management of deposit reserve. On-the-spot inspection of deposit reserves of four rural cooperative financial institutions and village banks was organized. The second is to strengthen the management of rediscount and refinancing business. In xxxx year, a total of 85 pieces were re-discounted, amounting to 348 million yuan; Re-loan for supporting agriculture was 654.38+0.45 billion yuan, which strongly supported the business development of financial institutions. The third is to strengthen the tracking, monitoring and assessment of rural cooperatives that have paid the central bank bills.
(4) Increase financial support for weak links. First, continue to improve the management mechanism of small secured loans, enhance the effectiveness of small secured loans to support entrepreneurship, and promote the coverage of small secured loans. By the end of 65438+February, the balance of small secured loans in the county was11200 million yuan, and the accumulated loans were184 million yuan, with a loan recovery rate of 99.9%. The second is to increase credit for agriculture, rural areas and farmers. By the end of 65438+February, the balance of agricultural loans of banking financial institutions in the county was 34.857 billion yuan, accounting for 6 1.42% of all loans. The third is to increase the innovation of credit products for small and micro enterprises. Commercial banks and postal savings banks in various countries in the county set up small business loan franchise centers to provide financing services of less than 5 million yuan for small and micro enterprises, simplifying the business process of small and micro enterprise loans and improving the approval efficiency. 65438+At the end of February, the balance of RMB loans of small and micro enterprises in the county's banking institutions was 8.957 billion yuan, an increase of 39.9 1% over the beginning of the year.
(5) Actively carry out cross-border RMB settlement business. Zhongzhi promptly forwarded relevant policies and regulations to the handling banking institutions within its jurisdiction, intensified policy publicity and training, and compiled and distributed "xxxx Money and Credit Window" to publicize the RMB settlement policy for cross-border trade, and actively publicized the cross-border RMB settlement policy and work development throughout the county. In xxxx, the total settlement of cross-border RMB business in the county reached 5.092 billion yuan.
Second, strengthen the pertinence of risk monitoring, improve the ability of financial stability, and promote the steady operation of the financial sector.
(1) Innovatively establish the risk monitoring mechanism of the shadow banking system. Incorporate non-bank institutions such as county financing guarantee institutions, microfinance companies, pawn shops and private financing into the shadow banking system. Establish an inter-departmental information sharing coordination and cooperation mechanism, and timely grasp information including policies and regulations, institutional development within the shadow banking system and relevant regulatory reports. In the daily monitoring work, with the help of the government coordination platform, special investigation platform and information disclosure platform, the risk monitoring has been transformed from independent support of the People's Bank of China to multi-platform interaction. Explore the introduction of the "Comprehensive Assessment Method for Risk Monitoring and Early Warning of Shadow Banking System in xxxx County", and require the county government to issue the "Notice on Establishing the Quality Maintenance Mechanism of Shadow Banking System Data Information", which effectively solved the problem of authenticity and accuracy of shadow banking data information.
(2) Strengthen risk monitoring in key areas and industries. Earnestly write the financial stability report of xxxx county in xxxx year, which objectively and truly reflects the risk status and financial supervision effect of the county's financial industry and reveals the risk status of the county's financial industry. Continue to implement the monthly report system of risk monitoring and analysis of local corporate financial institutions, and report monitoring statements and analysis reports regularly in combination with the operating rules of "Financial Stability Monitoring and Evaluation" corporate financial institutions in xxxx County. On the basis of consolidating the existing financial risk monitoring and evaluation system of banks, securities and insurance, we will continue to include non-bank financial institutions such as guarantee companies and pawn shops in the monitoring system, conduct monitoring and analysis from time to time, focus on the development and potential risks of various wealth management products such as banks, securities and insurance, conduct in-depth research on local government financing platforms, and increase risk monitoring of government financing platforms such as city investment companies within our jurisdiction.
(3) Strengthen financial management and services. Zhongzhi actively innovates, builds a long-term mechanism for county financial management, and promotes the efficient performance of grassroots central banks. Innovate the means of performing their duties, establish and implement a series of institutional measures, and form a long-term mechanism of "time-sharing management, orderly connection, mutual connection, scientific and effective". Experience materials were handed over at the professional conference on financial stability in the whole province. In order to carry out the management innovation of new financial institutions, xxxx County Sub-branch under its jurisdiction explored the establishment of a financial management and service monitoring system for new financial institutions, and achieved equal emphasis on financial management and service through measures such as "defining the responsibilities of monitoring personnel, agreeing on the corresponding obligations of new financial institutions, and standardizing the relevant requirements of the monitoring system". The financial service and management knowledge test of newly established banking institutions will be routine and institutionalized. In xxxx, Zhongzhi Sub-branch successively organized the person in charge of xxxx Rural Commercial Bank, the person in charge of Yongzhou Rural Bank Yongyang Sub-branch and other relevant managers to conduct comprehensive tests, citing 180 times. Continue to carry out comprehensive law enforcement inspections in depth and complete comprehensive law enforcement inspections of county ICBC and Bank of China.
(4) Strengthening the construction of credit information system. Actively carry out the establishment and entry of credit files for small and medium-sized enterprises, complete the construction of more than 4,000 credit files for small and medium-sized enterprises throughout the year, and select high-quality enterprises to give credit support. Actively establish electronic credit files of farmers, strengthen communication and coordination with rural credit cooperatives, promote the collection of paper files of credit farmers, actively guide farmers to pay attention to accumulating their own credit records, and improve credit awareness. Do a good job in the management of credit cards, establish a green channel for the annual review of credit cards, realize the effective combination of the People's Bank of China, financial institutions and annual review enterprises through innovative management of credit cards, and handle the annual review of credit cards of more than 900 enterprises. Carry out the issuance of institutional credit code certificates. The first batch of 1. 1 000 credit code certificates have all been issued in place.
(5) Deepening the construction of financial ecology. Take the lead in the selection of financial ecological demonstration counties (counties, districts) in the province, hold a county-wide on-site meeting to promote the construction of rural credit system, and commend and reward 3 financial ecological demonstration counties (counties, districts) and 7 financial ecological standard counties (counties, districts) that won 201/kloc-0. The county government is required to issue detailed rules for the implementation of preferential policies for "demonstration counties (counties, districts)" in xxxx county, hold the first promotion meeting for the implementation of preferential policies for financial ecological demonstration counties (counties, districts), and provide preferential policies for financial product innovation and taxation. The "Credit Record Care Day" was reported by xxxx People's Broadcasting Station, and combined with "Learn from Lei Feng Day", the "Volunteer Mail Delivery Activity" was carried out, and various forms of credit information publicity activities were carried out. Actively carry out the construction of rural inclusive financial system, organize rural financial educators to go to Gaoping Town, suichuan county to carry out financial education volunteer activities, and train more than 50 local farmers on financial knowledge. Strengthen anti-money laundering work, explore the establishment of "anti-money laundering assessment system integrated with local financial ecological construction", take the lead in incorporating anti-money laundering into the content of financial ecological construction in the province and into the comprehensive assessment scope of the government at the end of the year, and further promote and deepen anti-money laundering supervision in the field of attracting investment by establishing anti-money laundering assessment indicators and corresponding systems.
Third, give financial services creativity, strive to improve service concepts and means, and comprehensively improve the level of financial services.
(1) Do a good job in information research. Continue to implement the "Implementation Plan for Youth Information Research Groups in Zhongzhi", organize a symposium on youth information research work in Zhongzhi, and highlight the cultivation of youth information research ability; Implement the three-level audit mechanism, increase the audit of statistical data, economic investigation and credit management statements of financial institutions within its jurisdiction, and effectively ensure that the reported data and statements are accurate and timely, and there are no errors in statistical data and statements. The theme of the third Shizuoka Financial Forum was "Financial Support for the Development of Small and Micro Enterprises", which provided a platform for people in the economic and financial circles to communicate. Actively carry out special research, carry out research on spring ploughing and financial services for small and medium-sized enterprises, and provide reference for superior decision-making.
(2) Strengthen accounting and financial management. The Measures for the Administration of Reconciliation of xxxx County Sub-branch of Bank of China was issued, and the joint departments conducted surprise inspections on the "big accounting" work of county sub-branches twice. The Administrative Measures for Internal Reception of xxxx County Sub-branch of the People's Bank of China and the Internal Dining Standards of xxxx County Sub-branch of the People's Bank of China were issued to further standardize the internal reception standards, resolutely put an end to all kinds of extravagance and waste, and effectively reduce the cost of official reception. Issued the Notice on Further Strengthening Financial Management to further standardize financial management within its jurisdiction.
(3) Strengthening the management of payment and settlement. Actively promote bank cards to help farmers withdraw money, further improve the rural payment service environment and improve the level of rural financial services. By the end of 65438+February, there were 724 bank card withdrawal service points in the county. Solidly carry out the "card-free" creation activities and increase the number of ATM machines and POS machines. By the end of 65438+February, banking financial institutions had added 280 ATMs and 3208 POS machines. Carry out the publicity theme day of modern payment system in xxxx county, and actively guide the people of the county to apply payment system to handle related business according to actual needs.
(4) Strengthen the function of the manager's treasury. The Daily Inquiry and Registration System of TCBS Account of xxxx County Treasury was issued, which effectively found the business errors of the day and corrected them on the same day, thus improving the accounting quality of TCBS. It has fully realized the direct transfer of tax funds from the same city system to the large-value payment system, and formulated the Measures for the Transfer of Tax Funds from the Large-value Payment System to the State Treasury, effectively preventing the risk of treasury funds. Further strengthen the promotion of TIPS, and maintain the electronic tax payment rate and contract signing rate in the province's advanced position. Cooperate with the financial system reform of "township finance and county management", do a good job in the management of centralized payment of township financial funds to the state treasury, and establish an image of serving the finance. Carry out centralized treasury payment activities throughout the county, and do a good job in treasury payment with the goal of "only paying and only explaining".
(5) Strengthen the management of currency, gold and silver. On the basis of ensuring the annual cash supply and reserve stock of the issuing fund, three modes of distribution and adjustment are implemented, namely, "treasury-to-treasury docking, treasury-to-bank docking and bank-to-enterprise docking", which increases the supply of small denomination RMB, improves the structure of RMB in circulation and improves the cleanliness of RMB in circulation. Actively carry out the activities of establishing "Jizhou District RMB Payment and Receipt Service Management Demonstration Zone", and promote financial institutions to achieve the goals of "zero prevarication", "zero tolerance", "zero service", "zero gap", "zero complaint" and "double hundred flowers". Actively do a good job in anti-counterfeiting publicity and training, and carry out the publicity day of "Combating and Preventing Economic Crimes-You and Me * * *". Printed the textbook "A Must-read Book on Anti-counterfeit Currency Knowledge", organized RMB knowledge business training for counter personnel, and took the lead in holding a training course on payment and receipt business management of banking financial institutions in the province, which improved the level of RMB payment and receipt business for financial practitioners.
(6) Strengthening the function of foreign exchange supervision. Do a good job of enterprise file information inventory and directory registration, complete 3 13 enterprise files into the foreign exchange monitoring system of goods trade, including 226 enterprises listed in the directory, and update the enterprise directory information in the monitoring system in time according to the relevant information submitted by enterprises within its jurisdiction to export units for filing and registration, so as to ensure the smooth implementation of foreign exchange reform of goods trade. According to the provisions of the new foreign exchange management system for goods trade, 3 10 listed enterprises within its jurisdiction were comprehensively monitored, and the classified management of goods trade enterprises was completed for the first time after the reform. Strengthen on-site inspection of foreign exchange, and carry out on-site inspection of quarterly balance of payments statistics declaration, service trade and personal settlement and sale of foreign exchange for County Agricultural Bank, County Construction Bank, County Postal Savings Bank and Ganzhou Bank. Do a good job in upgrading and integrating all kinds of foreign exchange supervision systems, upgrade and transform the off-site supervision software and off-site inspection system of personal foreign exchange business respectively, and complete the integration and promotion of the application portal of personal foreign exchange settlement and sale system. For the first time, it accepted the application of xxxx Branch of Ping An Insurance Company in its jurisdiction to start foreign exchange insurance business, and was approved by the provincial branch. Seven banking institutions were newly approved to start foreign exchange settlement and sale business, and the number of banking institutions handling foreign exchange settlement and sale business within their jurisdiction increased to 102, which expanded the coverage of foreign exchange management and services at the county level.
(seven) to strengthen the support of science and technology and logistics services. Complete the national disaster emergency drill of the central bank's accounting system (ABS), and do a good job in the level protection of business network and office network. Complete the preliminary examination of classified protection of important business systems within its jurisdiction, and submit relevant classified examination and approval reports and classified materials to superiors in a timely manner; Completed the project of opening the video conference system within the jurisdiction to the whole county. Do a good job in the design and development of the key innovation project "Security Domain Management Project of Business outlets of the People's Bank of China at the grass-roots level" and its popularization and application in some county branches, which has been affirmed by the competent department of the superior bank. Strengthen energy consumption management in key links such as electricity and water use, gradually eliminate high-power electrical equipment, actively promote new energy-saving products, and effectively reduce various energy consumption expenses. Focusing on the propaganda theme of "Cherish the source of life, save water, and protect water for everyone", we will carry out energy-saving publicity week for public institutions, and introduce and promote the experience of China Branch in the logistics work meeting of the People's Bank of China.