Hebei Credit Cooperatives with a deposit of 200 billion yuan have sprung up.
There are 3 rural credit cooperatives at prefecture (city) level, 3 rural credit cooperatives at county (city) level 153, 2,858 rural credit cooperatives, 32,067 credit cooperative stations and 44,690 cadres and workers. It is the financial institution with the widest network coverage in the province. On the basis of in-depth investigation and study, they put forward the development goal of "increasing deposits, increasing capital and expanding shares" Starting with the leading group, we should renew our ideas, make clear our goals, make careful plans, vigorously organize deposits and strengthen our financial strength.
The former provincial credit cooperatives make deposit growth plans every year. According to the local conditions, local credit offices and credit cooperatives have respectively issued plans, objectives, assessment methods and specific measures for vigorously organizing funds, seized the good opportunity of increasing the state's attention and support for agriculture, rural areas and farmers and the merger of rural business outlets of state-owned commercial banks, and organized grass-roots credit cooperatives and credit cooperatives to open the publicity curtain. They used local radio, television, newspapers and outdoor media to widely publicize various financial policies and created a good social image of rural credit cooperatives. Publicity stations and information desks of different scales and forms have also been set up in urban and rural areas of the province. Ten thousand loan officers carry backpacks to the countryside, walk into villages and hang slogans, and distribute information and answer inquiries in the fields. In the first half of 2004 alone, the province's rural credit cooperatives dispatched more than 26,000 publicity vehicles (times), posted and distributed 654.38 billion publicity materials (articles), and answered 290 million people's inquiries.
At the same time, rural credit cooperatives all over the province actively adopt various forms of teller contracting and performance-linked assessment systems to carry out large-scale and all-round fund organization. Shijiazhuang Rural Credit Cooperatives strengthen their sense of service and competition to ensure the growth of deposits. By the end of May 2004, deposits reached 33.9 billion yuan, an increase of 654.38 billion yuan over the beginning of the year. Cangzhou Rural Credit Cooperative has continuously improved the reform of employment mechanism, established and improved a set of internal management and internal control measures, and accelerated the process of electronic construction and corporate culture construction, becoming the only prefecture-level credit cooperative in the province that has made profits for four consecutive years. By the end of May 2004, the deposits of rural credit cooperatives in this city had reached 20.2 billion yuan, an increase of 654.38+200 million yuan over the beginning of the year. Tangshan rural credit cooperative system, which has been plagued by losses, adheres to the guiding ideology of "safety first, efficiency first, solid foundation and steady progress". On the basis of bold reforms in labor, employment, credit and finance, we have paid close attention to large-scale operation and taken a gratifying step on the road of reducing losses and increasing efficiency. By the end of May, 2004, the balance of various deposits of rural credit cooperatives in this city had reached 24.8 billion yuan, a net increase of 2.52 billion yuan, an increase of 65.438+40.6 million yuan, and a profit of 35.53 million yuan, an increase of 6.5438+0.925 million yuan.
Rural credit cooperatives all over the province aim at special customer groups such as labor export, self-employed merchants and large rural households, and strive to meet their demand for "safe, convenient and affordable" deposits, and absorb a large amount of idle funds in their hands into rural credit cooperatives. After mastering the information that there are many migrant workers and high income in this county, Baoding Tangxian Rural Credit Union sent effective personnel to Beijing, Shanxi and other places for many times to contact the construction team and the contractor. By providing thoughtful, convenient and meticulous services, the income of more than 654.38 million migrant workers in the county has been deposited in credit cooperatives, which has increased by more than 50 million yuan in just five months.
The province's rural credit cooperatives have continuously consolidated and improved their traditional businesses, strengthened their hardware construction and boldly innovated their service methods, thus achieving new breakthroughs in financial services. Rural credit cooperatives in most areas have set up a series of intermediary services such as collecting national (local) taxes, mobile phone fees, water and electricity charges, netcom phone charges, insurance agency, paying wages on behalf of others, which has increased their operating income. Some cities have actively cooperated with local state-owned commercial banks, joint-stock banks and urban credit cooperatives, opened bank acceptance, settlement and online banking agency services, expanded the coverage of special outlets of provincial electronic lasalle, and partially opened universal deposit and withdrawal services within counties, which not only greatly accelerated the operation speed of payment and settlement systems, but also greatly improved the comprehensive competitiveness of rural credit cooperatives in the province. As of June 2004 10, the deposits of rural credit cooperatives in Shijiazhuang, Baoding, Tangshan, Handan and Cangzhou in the whole province 1 1 cities have exceeded 20 billion yuan respectively. The substantial increase in deposits not only strengthened the financial strength of rural credit cooperatives in Hebei Province, but also raised sufficient credit funds for increasing support for agriculture. At the same time, it also marks that the healthy and plump rural credit cooperatives in Hebei Province have entered the fast lane of sustainable development and become an important financial place for the province's economic development and an indispensable force for supporting agriculture.
Serve "agriculture, countryside and farmers" and strive to build "credit project"
The province's rural credit cooperatives insist on facing the countryside, based on agriculture, serving farmers and giving full play to the role of ties. In 2002, Hebei Rural Credit Cooperatives issued "Implementation Plan for Hebei Rural Credit Cooperatives to Promote the Establishment of Credit Villages (Towns) with Micro-credit Loans", requiring the management departments of credit cooperatives at all levels to further improve their understanding of the work of "promoting the establishment", enhance their work consciousness, and effectively improve the sense of mission and responsibility of all staff for this work. And regard this work as a systematic engineering and political task, pay close attention to it and achieve results.
To truly solve the problem of farmers' loan difficulties and credit cooperatives' loan difficulties, we should rely on local party and government leaders to guide farmers to establish a correct credit concept and advocate an honest and trustworthy social atmosphere. Taking the improvement of rural credit system as the breakthrough point of "promoting innovation", documents were issued at different levels, and leading groups were established one after another to guide the work of "promoting innovation" within the jurisdiction. At the same time, credit user evaluation, credit village (town) construction and rural credit system construction should be included in the local government's work objectives and performance appraisal management. We improved the fund supply mechanism of farmers' micro-credit loans, implemented a scientific and reasonable reward and punishment mechanism, and mobilized the enthusiasm of employees to issue rural micro-credit loans. Hold mobilization meetings at all levels of counties, townships and villages in the province to improve the ideological understanding of leaders at all levels and farmers, make full use of various propaganda tools, and widely publicize the great significance of the creation work. Facing the reality that rural credit cooperatives serve rural economic development, the reality of rural industrial structure adjustment and the reality of farmers' production and life, we should strive to realize the transformation from small loans to small credit loans for farmers, from traditional agriculture dominated by grain to commercialized, industrialized and efficient agriculture, and from a single breeding industry to diversified production and life needs. In practice, we actively explore effective means to prevent risks, establish a risk supervision mechanism for micro-credit loans, strengthen the supervision functions of auditing and auditing departments, and audit the whole process of micro-credit loans for farmers before, during and after the event. According to the amount, term, object and investment of farmers' micro-credit loans, the risk coefficient is determined, an early warning mechanism is established, classified guidance and management are carried out, and risk early warning and prevention are implemented in a timely and effective manner to effectively control the risks of micro-credit loans.
In 2003, Hebei Rural Credit Cooperatives issued the Operating Rules for the National Student Loan of Hebei Rural Credit Cooperatives according to the Measures for the National Student Loan of Hebei Rural Credit Cooperatives jointly issued by the Provincial Department of Finance, the Provincial Education Commission and the Shijiazhuang Central Branch of the People's Bank of China. In that year, the student loan was issued at a rate of 38175,000 yuan, helping nearly 8,000 poor students, which had a great response and played an effective role in promoting and promoting the whole province.
The employees of credit cooperatives in the whole province carry forward the glorious tradition of "backpacking to the countryside and visiting families in villages". They get up early and get greedy for the dark, take the lead in the hot sun, braved the cold, sweaty in sunny days and muddy in rainy days, and went to the fields to conduct a thorough investigation, evaluate the credit rating of farmers, make public announcements, issue credit cards and issue loans at home. Implement the responsibility system for leading members at the prefecture and county levels and employees of credit cooperatives and stations. They combine the work of "promoting innovation" with the work of clearing up Africa, with the work of absorbing stored funds, with the increase of capital and shares, with the annual inspection of credit certificates, with the evaluation of the first and the best, and adopt various forms to publicize the financial strength, direction of running cooperatives, profit return, dividends and other preferential policies of credit cooperatives to help farmers calculate their economic accounts. They also insist on ensuring village-level leadership, agricultural infrastructure construction, farmers' awareness of promoting agriculture through science and technology, credit relationship and credit foundation, and farmers' voluntary participation. Do a mature one, develop one, determine one, do not engage in form, do not go through the motions, and do not engage in "one size fits all." Make this activity both solid and energetic.
With the in-depth development of the work of "promoting the creation" in the province, the former Provincial Information Co-organizer has carefully organized and actively guided this work, which has been widely carried out in the province as a "credit project". As early as 1999, Cangzhou Rural Credit Union started the credit project establishment and micro-credit loan issuance activities with the micro-credit "credit certificate" as the carrier, with the goal of increasing agricultural production, increasing farmers' income and making credit cooperatives profitable. In 2002, combined with their own reality, they issued a series of opinions and measures to promote the establishment, edited and published a special issue of "Creation of Credit Project" and founded Cangzhou Credit Union Newspaper, which greatly promoted the development of this work. By May 2003, the city had issued 420,000 credit certificates and 205 million yuan of micro-credit loans. Within its jurisdiction, 32 1375 farmers hung up shiny "credit users" cards, and 1475 villages set up a "credit village" monument symbolizing honor. The villages in this city used to be a traditional agricultural village. Farmers suffer from lack of roads and funds, and the village economy has been in a downturn. Together with the members of the resident team, the credit cooperatives analyzed the development status and natural conditions of the village, and visited Jilin, Heilongjiang and other places, and chose the beef cattle breeding industry with little risk, good market and quick results. The credit union held an on-site loan marketing meeting in the village. The loan contract signed by farmers with credit cards on the spot is directly credited to the farmers' special account for preservation, and farmers can hold cows on the spot. You only need to pay a certain amount of feed fee and feeding fee, and give it to a breeding company with strong technical strength to raise it, which saves worry and effort. At present, there are more than 300 beef cattle in the village, and raising cattle has changed the face of poverty and backwardness in the village. Hengshui Rural Credit Cooperatives, as an earlier area in the province to develop credit loans for small farmers, formulated and implemented the assessment methods for the management of micro-credit loans, taking the issuance of micro-credit loan certificates and micro-credit loans as important assessment indicators for annual operations, and achieved good results. By the end of May 2003, cooperatives had issued more than 365,000 loan certificates in 80% of villages and 30% of farmers within their jurisdiction, and issued a total of 555 million yuan of micro-credit loans. With the support of rural credit cooperatives, Fucheng County has developed 654.38+10,000 mu of fine orchards, 90,000 mu of high-quality insect-resistant cotton, 654.38+10,000 mu of high-quality wheat and high-starch corn, and 30,000 mu of watermelon planting, supporting 6,000 rex rabbit farmers. In 2002 alone, the county's agricultural industrialization income reached 450 million yuan, and farmers increased their income in 860 yuan.
The "credit project" blew all over Hebei like a spring breeze, which activated one side's economy. Credit cards set up a bridge for farmers to get rich, and small loans filled with deep feelings of believers propped up the blue sky of rural economic development. The development of this work not only promoted the formation and perfection of rural credit system, deepened the relationship between local party and government, credit cooperatives and farmers, accelerated the construction of spiritual civilization in rural areas, but also made the rural credit cooperatives in the province obtain better benefits. By the end of May 2004, the balance of micro-credit loans of rural credit cooperatives in Hebei Province had reached 4.07 billion yuan, an increase of 590 million yuan over the beginning of the year. More than 90% of the rural credit cooperatives in the province have started micro-credit loans for farmers and joint guarantee loans for farmers, and more than 2 million farmers have received loan support. There are 429 credit villages1village, accounting for 8.7% of the administrative villages in the province. 49 credit townships (towns) were identified, with 2.488 million credit users, accounting for 18% of the total number of farmers in the province, and 2.48 million loan certificates were issued. Relevant leaders of the People's Bank of China, the People's Bank of China and the China Banking Regulatory Commission visited Hebei successively, praising the promotion and establishment of Hebei Province as being at the forefront of the country. The Hebei Provincial Party Committee and the provincial government also issued instructions respectively, fully affirming that the rural credit cooperative system has implemented a great project.
Rural credit cooperatives in Hebei Province keep in mind the purpose of serving agriculture, countryside and farmers, and vigorously promote the process of structural adjustment and agricultural industrialization. They aim at the market, regard supporting the large-scale operation of agriculture and the development of agricultural products processing industry as the combination point and focus of their work, and focus on supporting the popularization and application of "two high and one excellent" agriculture and agricultural scientific and technological achievements, the construction of rural socialized service system and comprehensive agricultural development. Actively support projects with natural resources and geographical advantages and the construction of characteristic industrial bases.
With the loan support of rural credit cooperatives, the province has formed more than ten thousand green ecological planting bases 1 ten thousand with vegetables, medicinal materials, flowers, fruits, cattle, sheep and lean pigs as the main breeding projects, supporting more than ten thousand households 1 ten thousand. By the end of May, 2004, the balance of agricultural loans of credit cooperatives in the province was 68.02 billion yuan, an increase of 6.56 billion yuan over the beginning of the year. It effectively solved the problem of farmers' shortage of production and living funds, promoted the development of "green agriculture" in the province and boosted the steady economic growth.
In view of the rapid development of private economy, rural credit cooperatives in Hebei Province give priority to the development of agriculture, animal husbandry, fishery and deep processing of agricultural and sideline products. Priority is given to rural "capable people" who are literate, skilled, good at management and trustworthy; Give priority to projects with high technology content and good market prospects, and help the excellent and the strong, and help the poor. According to incomplete statistics, the mining industry in Tangshan, Chengde and Handan; Construction of pollution-free vegetable bases in Hengshui and Zhangjiakou; Cangzhou pipe fitting base construction; Development of tourism in Chengde; Almost all stone carving industries in Baoding have injected credit funds from rural credit cooperatives. Huge capital investment has added infinite vitality to the development of rural economy in Hebei, and achieved the goal of increasing farmers' income and credit cooperatives' profits.
In order to simplify the loan procedures and meet the loan needs of farmers and individual and private enterprises in time, they adopted the methods of securities pledge, real estate mortgage and joint loan, and adopted the credit rating management mode of "establishing a card by filing, perfecting procedures, approving once, controlling the amount and recycling", which solved the problems of difficult loans, many procedures and long waiting time for some large breeders and enterprises, and achieved timely and rapid results, which were well received by farmers.