The first is the optimization of ownership structure. Since the reform, on the one hand, rural credit cooperatives have repeatedly increased their capital and shares, and their equity setting and capital structure have been continuously optimized. According to the survey, according to Article 14 of Several Opinions on Standardizing Shareholding in Rural Cooperative Financial Institutions, the total shareholding of natural persons in 14 rural credit cooperatives within their jurisdiction shall not be less than 50% of the total share capital, and the total shareholding of employees shall not exceed 25% of the total share capital. On the other hand, according to the spirit of "Guiding Opinions of China Banking Regulatory Commission on Accelerating the Equity Reform of Rural Cooperative Financial Institutions", all county credit cooperatives have set up leading groups for equity reform to steadily promote equity reform. The starting point of shares has been further improved, and natural person shares have generally increased from the minimum standard 1000 shares to 1000 shares. The general minimum standard for legal person shares has been raised to 654.38+10,000 shares, the source of equity is true, shareholders are further compliant, and the problems of loan shares and local financial shares have been basically eliminated.

Second, the capital adequacy ratio increased year-on-year. The net capital of rural credit cooperatives in the city was 2.377 billion yuan, the net core capital was 1.44 1 billion yuan, the weighted risk assets were 22 1.29 billion yuan, the core capital adequacy ratio was 6.5 1%, and the average capital adequacy ratio was 1.74%, up by 2% year-on-year. At the same time, the loan loss reserve adequacy ratio increased year-on-year. The loan provision of rural credit cooperatives in the city is 650 million yuan, the actual special provision is 6140 thousand yuan, and the general provision is 980 million yuan. The loan loss reserve adequacy ratio calculated according to special reserve/loan reserve is 94.46%, and the loan loss reserve adequacy ratio calculated according to (special reserve+general reserve)/loan reserve is 245.23%, which is 65.438+050 compared with the same period last year.

The quality of assets has improved.

Since the pilot reform, with the support of a series of national policies such as bill replacement by the central bank, the non-performing assets of credit cooperatives have been resolved and the historical burden has been greatly reduced. By the end of 2007, the losses of 14 rural credit cooperatives within its jurisdiction had all been absorbed. In recent years, rural credit cooperatives have continuously increased the collection, disposal and prevention of non-performing loans, which has promoted the continuous improvement of asset quality and the gradual decline of non-performing loan ratio. The balance of non-performing loans of 14 rural credit cooperatives under its jurisdiction was 9180,000 yuan, a year-on-year decrease of 246 million yuan; The NPL ratio is lower than 20 1 1, and the average NPL ratio is reduced to 6.07%. Although it was 0.47 percentage points higher than the national average, it was 2.6 percentage points lower than the same period of last year, and the overall asset quality improved (see Table 2).

Improve profitability

Since the reform, while strengthening risk prevention, rural credit cooperatives within their jurisdiction have constantly innovated their business ideas and adjusted their business strategies, and their profitability has been improved year by year. By the end of 2007, all four rural credit cooperatives under their jurisdiction had absorbed losses of 2150,000 yuan. At present, the four rural credit cooperatives under their jurisdiction 14 have achieved a total profit of 543 million yuan, an increase of 208 million yuan year-on-year, with an increase of 61.94%; The net profit was 326 million yuan, up by1.1.80 million yuan, up by 56.52%.