The successful establishment and rapid development of Xifeng Credit Suisse Rural Bank mainly benefited from policy guidance, service support and model innovation. The basic experience and understanding are as follows:
First, strengthening coordination, guidance and support is a powerful guarantee for the rapid and healthy development of rural banks of Credit Suisse. From the initial preparation to the opening operation, the rural bank of Credit Suisse has always strengthened coordination and communication with the municipal and district party and government departments and local enterprises, and carried out publicity in various ways to win policies and seek support. In the preparatory stage, Xifeng District Government specially organized a joint meeting of finance, taxation and other relevant departments to study and solve the difficulties and problems existing in the preparatory work of village banks. The district finance allocated 6,543,800 yuan+0.5 million yuan for the preliminary work, and the Construction Committee, industry and commerce departments and other relevant departments specially cooperated in site selection, accreditation and other related matters. Public security, fire protection, industry and commerce are exempted from the registration fee of 3,500 yuan, and the national tax department approved Credit Suisse Bank and rural banks to enjoy the same preferential tax policies as rural credit cooperatives. During the opening operation, the district government coordinated relevant units to deposit rural funds into village banks as much as possible. The great attention and strong support of the municipal and district party and government departments have created a good environment for the survival and development of rural banks.
Second, relying on cities and facing the countryside is the realistic basis for the survival and development of rural banks of Credit Suisse. Judging from Qingyang's situation, the rural economy is relatively weak, the income level of farmers is low, a considerable number of farmers go to cities to do business and work, and the phenomenon that rural funds flow into cities is more serious. If rural banks are located in remote villages with poor economic conditions simply from the perspective of serving rural economy, it will inevitably lead to less sources of deposits and slow business development, which will ultimately affect the effectiveness of rural banks in supporting agriculture. In view of this, they put forward the idea of relying on the city, facing the countryside, serving farmers and radiating agriculture, and established Credit Suisse Bank Village Bank in Xifeng, the political, economic and cultural center of Qingyang City. It is this location advantage that makes Credit Suisse's rural banks have a source to absorb deposits and a market to expand their business, and their business has developed rapidly in a short time, laying a financial foundation for supporting agriculture, rural areas and farmers, and giving play to the role of urban funds flowing to rural areas and relying on cities to feed agriculture.
Thirdly, diversified capital injection and scientific organizational structure are the inevitable choices for the healthy development of rural banks of Credit Suisse. Xifeng Credit Suisse Bank Village Bank is jointly established by bank capital, industrial capital and private capital, of which bank capital accounts for 25%, non-financial institution corporate capital accounts for 23% and natural person capital accounts for 52%. This kind of capital combination and structure is conducive to avoiding the negative influence of banking institutions holding too many shares as sponsors, treating village banks as their own branches to control decision-making and interfere in operation, promoting the formation of a corporate governance structure with democratic management and scientific decision-making, and helping more corporate legal persons and natural person shareholders to pay attention to the operation of village banks and support their development. Some corporate shareholders cancelled the settlement accounts originally opened in other banking institutions, re-opened accounts in village banks, and some shareholders transferred their own money to village banks, and actively publicized the village banking business to relatives and friends, attracted deposits and introduced loans, which played a guiding and promoting role in the rapid development of village banks.
Fourth, persisting in innovation and paying attention to management are important supports for rural banks of Credit Suisse to achieve sustainable development. First, innovative credit varieties. After fully analyzing the advantages and disadvantages of credit products of local state-owned banks and rural credit cooperatives, three kinds of loans were studied and launched, namely, "a single maximum of 20,000 yuan to meet farmers' micro-credit needs", "a single maximum of 200,000 yuan to meet the needs of individual industrial and commercial households in the urban-rural fringe" and "a single maximum of 500,000 yuan to meet the needs of micro-enterprises". The second is to innovate the guarantee method. Take the initiative to go to Baotou City Commercial Bank to learn their experience in small business loan management, adjust the credit strategy in time, and introduce the monthly repayment method of equal principal and interest. Signed a cooperation agreement with Qingyang Zhongxin Guarantee Company, and the guarantee company opened a guarantee fund account, and issued loans at twice the deposited funds, effectively alleviating the problem of bank loans and customer guarantee mortgage. Jointly launched loan accident insurance with Tianan Insurance Company, handled 36 loan insurance businesses, with premium income of 3,520 yuan. The third is to innovate management methods. Strict loan "three checks" system, formulated the "Credit Operation Guide of Credit Suisse Bank Village Bank", designed a set of operation scheme from pre-loan investigation, loan review and post-loan inspection, and formulated the operating rules of credit risk management, effectively avoiding moral hazard. The fourth is to innovate service methods. When the People's Bank of China does not approve the opening of an account, it shall make full use of the network of rural credit cooperatives for settlement. In order to solve the problem of inter-bank settlement, we negotiated with the four state-owned commercial banks of industry, agriculture, China and construction in time and opened the "Credit Suisse Bank Online Banking" business, which solved the inter-bank settlement problem of account-opening enterprises.
Fifth, strengthening supervision and service is an important guarantee for the healthy and orderly development of rural banks of Credit Suisse. In order to ensure the healthy operation of rural banks of Credit Suisse, three basic statements and eight auxiliary statements were designed, focusing on 65,438+00 regulatory indicators such as loan-to-deposit ratio's situation, capital adequacy ratio, liquidity ratio, the proportion of agricultural loans and non-performing loans, and strengthening monitoring and analysis. A weekly report system was established. Report the business development, implementation of regulatory indicators, new business development, system construction, safety management and senior management activities to the sub-bureau every week, and follow up and monitor the whole process. We have established an effective supervision mechanism involving the sponsoring bank, the supervision department and the village banks, studied and formulated the Implementation Measures for the Supervision of Village Banks of Credit Suisse Bank, and established a long-term supervision mechanism, which laid the foundation for its healthy and stable development.