The business scope of Xiangxiang rural bank mainly includes: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic settlement; Handle bill acceptance and discount; Engage in interbank lending; Engaged in bank card business; Acting as an agent to issue, honor and underwrite government bonds; Acting for payment and insurance agency business; Other businesses approved by the banking regulatory agency.
On March 26th, Xiangxiang Rural Bank made its debut, becoming the first flower in the grand view garden of new rural finance in the province, and won unanimous praise from local government, regulatory authorities, investors and loan farmers. Where is the new village bank? Where's the good news? At the beginning of April, the reporter drove straight to Xiangxiang to find out. The bus went to Shangrui Expressway near the entrance of Xiangxiang, and the huge billboard of "Xiangxiang Village Bank-the first village bank in Hunan Province" came to my face. Coming to the bank, spacious business hall, advanced self-service system, well-dressed staff ... is not the small savings office you imagined.
President Li Daxi talked about the grand opening ceremony on March 26, and his excitement was beyond words: the whole street was full of red arches, balloons and colorful flags, and the whole county town was sensational. The heads of relevant departments in the province, Xiangtan City and Xiangxiang City came to congratulate and interviewed more than 50 journalists.
Li Daxi said that the most gratifying thing is that there is an endless stream of units and individuals who come to deposit. The funds for agriculture, countryside and farmers in Xiangxiang City have been saved, the accounts of agriculture-related enterprises have been transferred, the money of private enterprises has been saved, and farmers have opened accounts. Some bosses save two or three million. On the opening day, the balance of deposits reached 65.96 million yuan.
A week later, the bank's deposit balance was stable at 58.66 million yuan. On April 2, the reporter interviewed in the bank and happened to meet a company customer's demand deposit of130,000 yuan, which was transferred to a fixed term.
Spring is full, and all capitals are enthusiastic about the new bank.
The spring breeze of rural banks was initiated by China Banking Regulatory Commission.
In order to better support the construction of new socialist countryside, in February 2006, CBRC adjusted and relaxed the access policy of banking financial institutions in rural areas, allowing all kinds of capital to set up new banking financial institutions such as village banks in rural areas. Last June, 5438+ 10, the number of pilot provinces in China was expanded from 6 to 3 1. In June last year, 5438+065438+ 10, the CBRC officially approved Xiangxiang City and Taojiang County as pilot areas for new rural financial institutions.
Good news spread, and various capitals poured in. The Export-Import Bank of China, Yueyang City Commercial Bank and Xiangtan City Commercial Bank all want to compete for the position of the main sponsor. Provincial, municipal and county governments have a clear-cut attitude: adhere to commercialization and market-oriented operation, do not interfere, give more support and be the backing. On February 65438 last year, Xiangtan City Commercial Bank seized the leading position in the preparation of rural banks in Xiangxiang City by virtue of its rich geographical and popularity advantages, and the preparatory work was officially launched. Li Daxi introduced that the government helped coordinate the site selection and renovation; The government never tells people what to do when recruiting people and lending money.