1. Since the reform of deposit interest rate in June, 20021,it is almost impossible for rural commercial banks to increase customer stickiness through high interest rates. Some insiders believe that the reform of deposit interest rate is conducive to banks to lower the retail deposit interest rate, reduce the cost of debt-side funds, and promote banks to ease the pressure of interest margin. However, due to objective conditions such as weak diversified debt capacity, rural commercial banks still face challenges in reducing debt costs.
2. At present, the debt management of rural commercial banks covers the important goal of changing from high-cost deposits to low-cost deposits. Long-term "discount" and "gift" are tantamount to drinking poison to quench thirst. 1952, the first rural credit cooperative in Tianjin was established in Baitangkou village in the southern suburbs of Tianjin, marking the birth of rural cooperative financial institutions in Tianjin. After nearly 60 years of wind and rain, it has formed a commercial service network all over Tianjin urban and rural areas. Since the 20th century, the reform of system and mechanism has been accelerating. Since June 2005, Tianjin Rural Cooperative Bank and 12 county credit cooperatives with unified legal personality have been established one after another, realizing the transformation from a three-level legal person to a two-level legal person governance system. In 2007, Tianjin Binhai Rural Commercial Bank was established by Tanggu, Hangu and Dagang. On June 20 10, Tianjin Rural Commercial Bank was reorganized and established on the basis of Tianjin Rural Cooperative Bank and nine other district and county credit cooperatives. Tianjin Rural Commercial Bank has a registered capital of 7 billion yuan, and implements a management system of first-class legal person, unified accounting, hierarchical management and authorized operation.
3. By the end of 20 1 1, the balance of various deposits of Tianjin Rural Commercial Bank was121700 million yuan, the balance of various loans was 77 10 billion yuan, and the non-performing loan ratio was 2.5%; The operating income was 4.85 billion yuan, and the profit before assessment was 2.96 billion yuan. The provision coverage ratio reached 65,438+065.5%, and the net assets per share reached 65,438+0.38 yuan. Tianjin Rural Commercial Bank Hangu Sub-branch was fined 300,000 for illegally issuing loans.
1. The official opening of Tianjin Rural Commercial Bank marks the thorough reform of Tianjin Rural Credit Cooperatives. With a history of nearly 60 years, "rural credit cooperatives" officially withdrew from the historical stage, and will become the main financial force for Tianjin to serve agriculture, countryside and farmers and the development of small and medium-sized enterprises, and play an active role in promoting the adjustment of agricultural industrial structure, increasing farmers' income, stabilizing rural society and effectively solving the financing difficulties of small and medium-sized enterprises in Tianjin.
2. At the same time, compared with the original Tianjin Rural Credit Cooperative System, the newly established Tianjin Rural Commercial Bank has changed from a two-level corporate management system at city, district and county levels to a unified corporate, and the original corporate institutions have changed from 10 to 1, and the management system of first-level corporate, unified accounting, hierarchical management and authorized operation has been implemented, which has improved the concentration of corporate institutions and enhanced their ability to resist risks. It is understood that Tianjin Rural Commercial Bank, newly established on the basis of restructuring and reorganization, has exceeded 100 billion yuan, reaching 654.38+006.444 billion yuan, becoming a local financial institution with a certain scale, effectively enhancing its strength in supporting local economic development.