First, we should change our business philosophy, adjust our development strategy, and constantly meet the needs of deepening the reform of rural credit cooperatives.
2009 is a crucial year for rural credit cooperatives to change their ideas, deepen reform and accelerate development. In the in-depth study and practice of Scientific Outlook on Development activities, our rural credit cooperatives must constantly emancipate their minds, seek truth from facts, find out their own ideas that do not meet the requirements of Scientific Outlook on Development, and find out the outstanding problems that affect and restrict the development of rural credit cooperatives. Externally, facing the once-in-a-century global financial crisis, the international financial situation is extremely grim, the growth rate of the world economy has slowed down obviously, the effective credit of enterprises has shrunk, and the credit interest rate and bond interest rate have been continuously reduced, which has also brought negative effects to the economic development of Fangchenggang, especially in the coastal areas along the border. Internally, rural credit cooperatives have a weak sense of hardship, lagging credit services, relatively limited loan varieties and weak loan risk control links. As a financial enterprise supporting "agriculture, countryside and farmers" and local economic development, Fangchenggang Rural Credit Cooperative should fully understand the challenges of the financial crisis and pay more attention to analyzing the good opportunities it faces: the central government should further strengthen the basic position of agriculture and increase the tilt of the policy of supporting agriculture, benefiting farmers and strengthening agriculture, so as to promote and accelerate the development of "agriculture, countryside and farmers". At the same time, the development of Guangxi Beibu Gulf Economic Zone has brought strong growth in fixed assets investment and accelerated the launch of new projects. The rapid growth of Fangchenggang's GDP and the upsurge of "Hundred Flowers Project" provide more opportunities and broad space for the development of credit business of rural credit cooperatives in China.
Challenges and opportunities coexist, and difficulties and confidence coexist. If we don't change our business philosophy and can't meet the needs of changes in the economic and financial situation, it will hinder development. Therefore, our rural credit cooperatives should calmly respond to the financial crisis, change the strain, turn negative into positive, turn unfavorable factors into favorable factors, conscientiously implement the important decision-making arrangements of "ensuring growth, people's livelihood, stability and good development momentum", firmly establish Scientific Outlook on Development, strengthen the purpose of supporting agriculture, and consolidate its position as the main force supporting agriculture; Strengthen credit marketing, innovate credit operation mechanism, and continue to enlarge and strengthen the total credit. Pay attention to financial innovation, continuously improve service efficiency, and achieve simultaneous improvement of economic and social benefits.
Second, we should aim at serving agriculture, countryside and farmers and supporting local economic development, and constantly improve the credit service quality of rural credit cooperatives.
Fangchenggang Urban Rural Credit Cooperatives should unify their thoughts and actions with the requirements of in-depth study and practice of Scientific Outlook on Development, take the current credit work as the top priority, take it as a serious political task, unswervingly take the support of "agriculture, rural areas and farmers" and local economic and social development as the purpose, put it at the top of all work, and faithfully perform the sacred duties of rural credit cooperatives. So as to create a new level of high-quality and efficient credit services and test the new achievements of studying and practicing Scientific Outlook on Development in depth.
(A) to support and serve "agriculture, rural areas and farmers" for the purpose of promoting the development of agriculture and rural economy. As the main provider of rural credit funds, rural credit cooperatives play an irreplaceable role in the development of agriculture, rural areas and farmers. Our rural credit cooperatives should adhere to the guidance of Scientific Outlook on Development, adhere to the market orientation of "serving agriculture, rural areas and farmers and supporting local economic development", serve agriculture, rural areas and farmers and local economic development with better services, higher efficiency and credit business varieties that are more in line with farmers' needs, and actively explore the development of mortgage loans such as farmland equipment, farmers' houses, forest rights, land contractual management rights and orders while continuing to do a good job in micro-credit loans and joint guarantee loans related to agriculture. Turn all kinds of assets and rights owned by farmers into "real money" for developing production and expanding scale operation, focus on supporting the agricultural industrialization of "enterprise+base+farmer", form large-scale, industrialized and commercialized agricultural production and operation, and promote the interactive and harmonious development of local economy.
(two) actively support the matching loans required by the qualified "Double Hundred Projects". On the premise of maintaining a reasonable and balanced growth of the total credit, our rural credit cooperatives should effectively optimize the credit capital structure, scientifically allocate credit resources, pay attention to ensuring complete procedures, actively support high-quality projects, energy conservation and emission reduction, circular economy, key projects and people's livelihood projects that meet the conditions for project construction, and timely support the supporting credit funds needed for the "Hundred Flowers Project". At the same time, it is necessary to strengthen communication and coordination with relevant government departments and project units, and intervene in the project investigation, evaluation and approval of capital investment as soon as possible. For projects with large initial capital, syndicated loans and community loans can be adopted to speed up the progress of credit investment, provide effective credit support for "letting a hundred flowers blossom" and ensure the efficiency of the use of credit funds.
(three) support the "service enterprise year" activities. Our rural credit cooperatives should implement the specific measures of "Service Enterprise Year", set up customer information files for small and medium-sized enterprises, individual industrial and commercial households and farmers in Fangchenggang, organize personnel to follow up and investigate, grasp the capital needs of customers, further strengthen the "six mechanisms" to support the development of small and medium-sized enterprises, investigate and understand the business model and business process of small and medium-sized enterprises, improve the loan approval efficiency and service quality of small and medium-sized enterprises, support small and medium-sized enterprises to expand new markets, and enhance product competitiveness and market potential.
(four) credit support to improve people's livelihood, such as employment, student aid, disabled people and returning migrant workers. According to the spirit of "Notice on Doing a Good Job in Employment under the Current Economic Situation" issued by the State Council recently, the goal is to do a good job in study and practice in combination with the interests of the people, better serve the people, and make rural credit cooperatives become "financial messengers" to solve the vital interests of the people. Therefore, Fangchenggang Rural Credit Cooperatives should vigorously publicize the goal of "maintaining growth, expanding domestic demand and restructuring" through study and practice activities, and arrange loans to support key employment groups such as people with employment difficulties, college graduates, disabled people and returning migrant workers to start businesses, so as to promote employment through entrepreneurship, and make supporting business loans into another business brand of Fangchenggang Rural Credit Cooperatives.
(5) Actively support the consumer credit market. Fangchenggang urban rural credit cooperatives should implement new measures to expand consumption, effectively cultivate and consolidate the growth point of consumer credit, focus on credit consumption in industries related to people's livelihood, such as housing, home appliances, education and tourism, increase the innovation of consumer credit products, improve the business mode of consumer credit, actively support the start of loans and stimulate market consumption, especially rural consumption.
(six) to further support the transfer of industrial science to create benefits. While supporting local economic development, Fangchenggang Rural Credit Cooperative should change its concept and support export credit business, such as supporting a number of high value-added export products, enterprises participating in overseas infrastructure construction, comprehensive agricultural development, agricultural products processing, mergers and acquisitions of advantageous enterprises and foreign trade export. So as to promote the export of products with local characteristics and advantages, seize the market, earn foreign exchange and form new economic growth points. (The author is Party Secretary and Chairman of Fangchenggang Urban Rural Credit Cooperative Association.)