He 'nan Zhengzhou Xinzheng Rural Commercial Bank

This year, rural credit cooperatives in Zhengzhou and even Henan will "evolve" into rural commercial banks. What kind of change does it mean from credit cooperatives to banks?

In the process of restructuring, rural credit cooperatives are becoming more and more popular, competing to "share the economy" and planning to "go public" in the future.

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This year, there were no rural credit cooperatives in Zhengzhou.

In August, Zhengzhou Municipal Government issued a notice to set up a leading group for the preparatory work of Zhengzhou Rural Commercial Bank Co., Ltd. ..

The team leader is Wang Yuehua, executive vice mayor of Zhengzhou Municipal Government, and the deputy team leader is Zhou Jialong, deputy director of Henan Banking Regulatory Bureau, and Zhou Bo, deputy governor of Zhengzhou Central Branch of the People's Bank of China.

The blessing of the three officials is rich, which has accelerated the reform of Zhengzhou rural credit cooperatives.

The goal of Zhengzhou is to complete the restructuring of all rural credit cooperatives and the establishment of rural commercial banks in Zhengzhou before the end of this year.

According to a person in charge of Henan Banking Regulatory Bureau, the restructuring plan of Zhengzhou Rural Credit Cooperative has been reported and is under review.

The "evolution" from rural credit cooperatives to rural commercial banks is not a simple flop and renaming, but a reorganization and reconstruction of business philosophy, business model and other aspects, and it is also a thorough reform of management system and mechanism adjustment. As a veteran Henan Army in the financial field, Zhengzhou Rural Credit Cooperative has become a "Zhengzhou Rural Commercial Bank". How will it stir up a pool of spring water in the financial sector?

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The annual tax payment of Zhongmu Rural Commercial Bank reached 200 million, six times that of five years ago.

It depends on what a reform can bring. Practice is the best barometer.

In Zhengzhou, Zhong is the in-depth head of rural credit cooperatives. In 20 12, Zhongmu Rural Credit Cooperative started the restructuring of rural commercial banks, which lasted for two years. On July 201April 12, Zhongmu Rural Commercial Bank was officially listed for business.

After three years of operation, what changes have taken place in Zhongmu Rural Commercial Bank?

A person in charge of Zhongmu Rural Commercial Bank said that at the beginning of the reform, various regulatory indicators were not optimistic, the non-performing loan ratio was as high as 13.85%, and the core capital adequacy ratio (core capital is the most important part of bank capital) was only 4.04%.

After the reform, two important data were reversed. By the end of 20 16, the core capital adequacy ratio had increased to 1 1.9 1% to 2.2 1%. Zhongmu Rural Commercial Bank successfully entered the second-class good bank sequence.

The success of business depends on the tax amount. According to reports, Zhongmu Rural Commercial Bank paid more than 200 million yuan in taxes throughout the year, six times that of 33 million yuan five years ago, ranking among the top 100 taxpayers in the province.

Through restructuring, Zhongmu Rural Commercial Bank has also achieved great changes in personnel and rejuvenation of the team. By the end of July, Zhongmu Rural Commercial Bank had 15 departments and 47 outlets. 100 The average age of middle-level employees is 34 years old.

The young team also makes the outlets of various departments full of vitality. Since 20 12, the accumulated profit is1500 million yuan, and the annual per capita profit is 860,000 yuan.

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The restructuring of rural credit cooperatives in Henan Province has entered the final stage.

Zhengzhou rural credit cooperative reform is an important part of Henan rural credit cooperative reform.

As a big agricultural province, Henan Rural Credit Cooperative is a local financial institution with the largest number of institutional outlets, the widest service area and the largest deposit and loan scale.

At the regular press conference of the banking industry held in July, Zhou Jialong, deputy director of Henan Banking Regulatory Bureau, mentioned that the scale of rural credit cooperatives in Henan Province accounts for 17% of the banking industry in the province. Henan Rural Credit Cooperatives said that its market share can account for 40% to 60% in agriculture-related fields, especially below the county level.

Therefore, the reform of rural credit cooperatives has always been cautious. In 20 15, the Henan provincial government issued the "Three-year Special Work Plan for Restructuring Rural Credit Cooperatives to Establish Rural Commercial Banks", and it is planned to basically complete the establishment of rural commercial banks by the end of 20 17.

"Mature one, change one." Chen Yimin, director of Henan Rural Credit Cooperatives, said that at present, there are more than 80 rural credit cooperatives in Henan Province.

In the future, as more and more rural credit cooperatives are transformed into rural commercial banks, Henan Banking Regulatory Bureau has defined the "four-step" path of "rural credit cooperatives-rural commercial banks-benchmark banks-listed banks", aiming at guiding the rural cooperative institutions in the province to further deepen the reform.

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A trend: rural finance plays "* * * to enjoy the economy"

This is an era of sharing. When going out to ride a bike, things that children don't need at home can be enjoyed through salted fish, and they can also be enjoyed when traveling in their own homes.

* * * In the economic era, all major business entities are rushing to the beach to enjoy the "tide". At the end of August, Henan Rural Credit Cooperative, which has been serving agriculture, countryside and farmers in a low-key manner, also made some moves.

The cooperative partner of Henan Rural Credit Cooperative is Henan Mobile, which will set up a "financial communication service station" in rural areas. Specifically, if a village has mobile outlets but no rural credit cooperatives, rural credit cooperatives can introduce banking services and provide self-service equipment through the transformation of mobile outlets. Similarly, rural credit cooperatives outlets will also allow mobile services to settle in.

In towns and above, the * * * card of Henan Rural Credit Cooperatives is played like this. Channel outlets of rural credit cooperatives can collect mobile phone bills and accept simple mobile services. Henan Mobile set up a special area in the channel outlets to publicize the key business of rural credit cooperatives, and put financial self-service equipment of rural credit cooperatives to facilitate customers to understand and handle financial business.

Two: Village banks become a reality.

In the future, I will handle banking business and go to my village bank. This is no longer just bragging.

The data shows that up to now, 77 rural banks have been established in Henan Province, covering 88 counties (cities), ranking first in the country. Nine provincial cities in the province have achieved "county-wide coverage" of rural banks.

Previously, on March 23, at the regular press conference of Henan banking industry, the person in charge of Henan Banking Regulatory Bureau also introduced that the establishment plans of three village banks had been filed with the China Banking Regulatory Commission.

We are actively preparing for the construction.

At present, the total assets of Henan rural banks have exceeded 90 billion yuan, and the balance of deposits and loans is 66.4 billion yuan and 49.8 billion yuan respectively.

20 16 year net profit12.54 million yuan, and the average net profit of each village bank16.28 million yuan. The total assets, deposit balance and net profit of Henan rural banks rank first in the country, and the loan balance ranks second in the country.

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