1, handling deposits of public enterprises and institutions and personal savings deposits;
2. Short-term, medium-term and long-term loans (including farmers' loans, personal credit loans, personal business loans, personal housing and consumer loans);
3. Handling domestic settlement, including cheque settlement, bank draft settlement, entrusted collection settlement and exchange settlement. At present, the modern payment system of the People's Bank of China has been opened, realizing "one bill nationwide" fast payment and real-time payment on the same day;
4. Engage in interbank borrowing;
5. Engage in bank card business;
6. Acting as an agent to issue, honor and underwrite government bonds;
7. Acting for receipt and payment and insurance agency business;
8. Other businesses approved by the banking regulatory agency.
Jia County Guangtian Village Bank is a small commercial bank, which is organized as a joint-stock company and has a complete corporate governance structure. The board of directors, the board of supervisors and the shareholders' meeting shall be established, and the president shall be responsible for daily personnel management, financial management and credit management. Village banks are first-class legal persons with short decision-making process. Village banks are equivalent to the head office in the local area and do not need to be reported to farmers and enterprises for approval. As long as they are eligible farmers, they can get loans within three working days.
By August 3, 2065438, the total assets of the Bank were 252.08 million yuan, and various loans were 82.88 million yuan, an increase of 627 1 10,000 yuan over the end of last year. Absorbed various deposits of RMB 2010.75 billion, an increase of RMB10.30 billion over the end of last year, and turned losses into profits, initially achieving profitability. The loan interest rate and loan recovery rate reached 65,438+0.00%, which successfully achieved the goals of incremental deposits and loans and safe operation, effectively enhanced the image of village banks, and initially showed a good and rapid development momentum.
The establishment of rural banks is an important milestone in the development of local financial enterprises, which plays a very important role in improving urban functions, perfecting financial organization system, creating a harmonious economic and social environment and accelerating economic construction.