The 20 19 annual report information publicly disclosed by Jinxian Rural Commercial Bank shows that the bank achieved operating income of 594 million yuan, down 2.14% year-on-year; The net profit reached 65.438+0.08 billion yuan, a year-on-year increase of 5.88%, which can be described as increasing profits without increasing income. At the same time, by the end of 20 19, the bank's non-performing loan balance was 3 12694300 yuan, an increase of 5 1240900 yuan over the previous year; The NPL ratio was 3.76%, up by 1. 12 percentage points over the previous year, and the asset quality was worrying.

Eight tickets were received in two days, and several shareholders of the bank were listed as executors.

On August 1 1, the disclosure form of administrative punishment information of Jiangxi Supervision Bureau of China Banking Regulatory Commission showed that Jinxian Rural Commercial Bank misappropriated loan funds to subscribe for shares and non-performing assets of the bank; Issuing working capital loans to real estate development enterprises in violation of regulations; Loan funds were diverted to real estate development enterprises; Personal comprehensive consumer loans are used to purchase houses; Post-loan management is not in place, resulting in misappropriation of loan funds; Improper exchange of funds between employees and customers; Handling auto insurance agency business and precious metal agency business in violation of regulations; There were 8 illegal acts of "double recording" in the sales process of auto insurance business, and a fine of 2.6 million yuan was imposed.

At the same time, Yu, the supervisor, is directly responsible for misappropriating loan funds to subscribe for shares and non-performing assets of banks, and misappropriating loan funds to real estate development enterprises. Hu, the person in charge, is directly responsible for illegally issuing working capital loans to real estate development enterprises, illegally handling auto insurance business and selling precious metals business on commission. Both of them were warned by Jiangxi Supervision Bureau and fined 50,000 yuan and 654.38+10,000 yuan respectively.

In addition, the next day, Jiangxi Supervision Bureau of China Banking and Insurance Regulatory Commission fined five other responsible persons.

The relevant person in charge, He Mou, is responsible for handling the agency auto insurance business and selling precious metals business in violation of regulations. Zhu's personal comprehensive consumption loan was used to buy a house, and Xu's management after the loan was not in place, and he was directly responsible for the illegal act of misappropriating loan funds. Give a warning.

In addition, the relevant person in charge, Hu Mou, was given a warning and fined 50,000 yuan for improper fund exchange between employees and customers, and Mou Wei was directly responsible for misappropriating loan funds to subscribe for shares and the bank's non-performing assets.

Last year's profit growth did not increase.

The 20 19 annual report information publicly disclosed by Jinxian Rural Commercial Bank shows that the total assets of the bank reached1293 billion yuan, an increase of 8.76% year-on-year; Total liabilities were118.11100 million yuan, up 8.83% year-on-year. Among them, the loan balance at the end of 2065438+2009 reached 8.32 billion yuan, a year-on-year increase of11.63%; The balance of deposits at the end of the year was 1 15 1 billion yuan, up 8.4 1% year-on-year.

It is worth noting that Jinxian Rural Commercial Bank 20 19 increased its profits without increasing its income. In 20 19, the bank's operating income was 594 million yuan, a year-on-year decrease of 2.14%; The net profit reached 65.438+0.08 billion yuan, a year-on-year increase of 5.88%. The annual report did not disclose the details of the net profit of revenue.

According to industry insiders, under normal circumstances, the bank's operating income will decline, and its net profit will also decline. There will be a situation of increasing profits without increasing income, largely because banks control operating expenses.

In addition, the bank's main loan industries are concentrated in agriculture, forestry, animal husbandry and fishery, wholesale and retail, manufacturing and other industries. Among them, the top three industries with loans are construction, wholesale and retail, and manufacturing, accounting for 24. 17%, 20.55%, and 8.02% respectively, and the total loans of the three industries account for 52.74%. The loan industry is highly concentrated, and the risks are not conducive to dispersion.

In terms of asset quality, the Bank intensified the write-off of non-performing loans. From 2065438 to 2009, non-performing loans on the balance sheet were 28,203,900 yuan, and non-performing loans off the balance sheet were 20,787,800 yuan, but the non-performing loan ratio was 3.76%, up by 1. 12 percentage points over the previous year, and the asset quality was still worrying.

According to public information, Jinxian Rural Credit Cooperative was established in 195 1 with the aim of serving members, farmers and agriculture. In 2004, Jinxian Rural Credit Cooperative reformed its management system and property right system according to the requirements of the State Council's "Pilot Program on Deepening the Reform of Rural Credit Cooperatives". With the approval of Jiangxi Banking Regulatory Bureau, Jinxian Rural Credit Cooperative (Jinxian Rural Credit Cooperative for short) was officially opened on June 65438+1October 09 and June 16, 2006. At present, the registered capital is 678 million yuan.