Hebei Credit Union

Hebei Rural Credit Cooperatives have always focused on the core of "promoting development through reform and striving for stability through management", with the purpose of serving "agriculture, rural areas and farmers", insisting on operating steadily in accordance with the law, constantly exploring, boldly innovating, and creating Developing a unique Xinhe development path has laid a good foundation for improving the operating efficiency of rural credit cooperatives in the province. On June 10, 2004, various deposits under the jurisdiction exceeded the 200 billion yuan mark, and the balance reached 200.1 billion yuan, an increase of 17.1 billion yuan from the beginning of the year. The balance of various loans was 130.4 billion yuan, an increase of 11.9 billion yuan from the beginning of the year. The balance of deposits and loans Ranking first among all financial institutions in the province, it has become the financial institution with the largest amount of deposits, the largest assets, the widest coverage of business outlets, and the closest services to farmers in the province, adding unlimited vitality to the development of the rural economy in the province.

Hebei Xinhe emerged as a new force with a deposit of 200 billion yuan

Hebei Province has 3 rural credit unions at the prefecture (city) level and 153 rural credit unions at the county (city) level. There are 2,858 rural credit cooperatives, 1,790 credit branches and savings banks, 32,067 credit agencies, 44,690 cadres and employees, and outlets throughout the province's urban and rural areas. It is the financial institution with the widest coverage of outlets in the province. On the basis of in-depth investigation and research, they put forward the development goal of "enlarging deposits, increasing capital and expanding shares". Starting from the leadership team, we should update our concepts, clarify our goals, plan carefully, vigorously organize deposits, and expand our financial strength.

The former Provincial Credit Union Office formulates a deposit growth plan every year. The local credit offices and credit unions have issued plans, goals, assessment methods and specific measures for vigorously carrying out fund organization work based on local realities. Seizing the great opportunities such as the country's increased attention and support for "agriculture, rural areas and farmers" and the withdrawal and merging of rural business outlets of state-owned commercial banks, grassroots associations and credit unions were organized to launch a publicity campaign. They used local radio, television, newspapers and outdoor media to widely publicize various financial policies and create a good social image of rural credit cooperatives. Publicity stations and consultation desks of different sizes and forms have also been opened in urban and rural areas across the province. Thousands of credit officers backpacked to the countryside, visited villages and households, posted slogans, and went to fields to distribute information and answer inquiries. In the first half of 2004 alone, rural credit cooperatives across the province dispatched more than 26,000 promotional vehicles, posted and distributed 1 billion promotional materials, and answered 290 million inquiries from the masses.

At the same time, rural credit cooperatives across the province actively adopt various forms of counter group contracting, performance-linked assessment systems, and carry out fund organization work on a large scale and in an all-round way. Shijiazhuang Rural Credit Union has strengthened its awareness of service and competition to ensure deposit growth. By the end of May 2004, its deposits had reached 33.9 billion yuan, an increase of 1.8 billion yuan from the beginning of the year. Cangzhou Rural Credit Union has continuously improved and reformed its employment mechanism, established and improved a set of internal management and internal control measures, accelerated the electronic construction process and corporate culture construction, and has become the only prefecture-level cooperative in the province that has been profitable for four consecutive years. By the end of May 2004, various deposits of the city's rural credit cooperatives had reached 20.2 billion yuan, an increase of 1.2 billion yuan from the beginning of the year. The rural credit cooperative system in Tangshan City, which has always been troubled by losses, adheres to the operating and management guiding ideology of "safety first, establishing a cooperative with benefits, laying a solid foundation, and seeking progress while maintaining stability", and carries out bold reforms in labor employment, credit, finance and other aspects. On the basis of this, we have paid close attention to large-scale management and taken a gratifying step towards reducing losses and increasing efficiency. By the end of May 2004, the deposit balance of the city's rural credit cooperatives reached 24.8 billion yuan, a net increase of 2.52 billion yuan from the beginning of the year, an increase of 1.406 billion yuan year-on-year, and a total profit of 35.53 million yuan, an increase of 19.25 million yuan year-on-year.

Rural credit cooperatives across the province target special customer groups such as labor exporters, individual traders, and large rural planting and breeding households, and strive to meet their needs for "safety, convenience, and benefit" from deposits, and transfer a large amount of money into their hands. Idle funds are absorbed into rural credit cooperatives.

After the Tang County Rural Credit Union of Baoding City mastered the information that the county has a large number of migrant workers and high incomes, it sent capable personnel to Beijing, Shanxi and other places many times to contact the engineering teams and contractors, and provided thoughtful, convenient and meticulous services. The service has introduced the working income of more than 100,000 people in the county to credit cooperatives. In just five months, this deposit has increased by more than 50 million yuan.

While constantly consolidating and improving traditional businesses, rural credit cooperatives across the province have strengthened hardware construction, boldly innovated service methods, and achieved new breakthroughs in financial services. Rural credit cooperatives in most areas have launched a series of intermediary businesses such as national (local) tax collection, mobile phone bills, water and electricity bills, Internet call bills, insurance agency, and salary payment to varying degrees based on local conditions, increasing operating income. Some prefectures (cities) have actively cooperated with local state-owned commercial banks, joint-stock banks, and urban credit cooperatives to launch agency services for bank acceptance bills, settlements, and online banking, expanding the coverage of provincial special electronic interbank outlets, and opening some local and The county-wide universal deposit and withdrawal business not only greatly speeds up the payment and settlement system, but also greatly enhances the comprehensive competitiveness of rural credit cooperatives in the province. As of June 10, 2004, among the 11 cities in the province, the deposits of rural credit cooperatives in five regions including Shijiazhuang, Baoding, Tangshan, Handan, and Cangzhou have exceeded 20 billion yuan each. The substantial growth in deposits has not only strengthened the financial strength of rural credit cooperatives in Hebei Province, but also raised sufficient credit funds to increase efforts to support agriculture. At the same time, it also marks that the Hebei Rural Credit Cooperative, which is healthy and full of body, has entered the fast lane of sustainable development and has become a financial powerhouse for the province's economic development and an indispensable force in supporting agriculture.

Serving "agriculture, rural areas and farmers" and striving to build a "credit project"

Rural credit cooperatives in the province insist on positioning themselves in rural areas, based on agriculture, serving farmers, and giving full play to their role as a link. In 2002, the Hebei Provincial Credit Cooperation Office issued the "Hebei Provincial Rural Credit Cooperatives' Implementation Plan for Promoting Small Credit Loans and Creating Credit Villages (Towns)" based on the actual conditions of the province, requiring credit cooperation management departments at all levels to further improve their understanding of "promoting and creating credit villages (towns)". "Work awareness, enhance their own work consciousness, and effectively improve all employees' sense of mission and responsibility for this work. We should treat this work as a systematic engineering and political task, pay close attention to it, grasp it firmly, and achieve results.

In order to truly solve the problem of farmers’ difficulty in getting loans and credit cooperatives’ difficulty in lending, they rely on local party and government leaders to guide farmers to establish a correct concept of credit and advocate a social atmosphere of honesty and trustworthiness. The improvement of the rural credit system was regarded as a breakthrough in the "promotion and creation" work, documents were issued at all levels, and a creation work leading group was established to guide the development of "promotion and creation" work within the jurisdiction. At the same time, the assessment of credit users, the construction of credit villages (towns), and the construction of rural credit systems should be incorporated into the local government's work objectives and performance assessment management. The fund supply mechanism for small credit loans to rural households has been improved and improved, and a scientific and reasonable reward and punishment mechanism has been implemented to mobilize the enthusiasm of employees in issuing rural small credit loans. Mobilization meetings were held at the county, township and village levels across the province to enhance the ideological understanding of leaders at all levels and the broad masses of farmers, and make full use of various publicity tools to widely publicize the significance of the founding work. In the face of the reality that rural credit cooperatives serve rural economic development, the reality of rural industrial structure adjustment, and the reality of farmers' production and life, we strive to realize the transfer of farmers' small loans to small credit loans and realize the transformation from traditional agriculture based on food Shift to efficient agriculture of commercialization and industrialization, and realize the shift from single planting and breeding to the diversified needs of production and life. In practice, we actively explore effective risk prevention methods, establish a risk supervision mechanism for small-amount credit loans, strengthen the supervision functions of the audit and audit departments, and conduct full audits of farmers' small-amount credit loans before, during and after the event. The risk coefficient is determined based on the amount, term, object and investment direction of small credit loans to farmers, an early warning mechanism is established, classified guidance and management are carried out, risk early warning and prevention are implemented in a timely and effective manner, and the risks of small credit loans are effectively controlled.

In 2003, the Hebei Provincial Credit Union Office jointly issued the "Hebei Provincial Rural Credit Cooperatives National Student Loan Measures for the Source Areas of Students" and related requirements jointly issued by the Provincial Department of Finance, the Provincial Education Commission and the Shijiazhuang Central Branch of the People's Bank of China , promulgated the "Hebei Province Rural Credit Cooperative National Student Loans Operating Procedures", which issued student loans of 38.175 million yuan that year and helped nearly 8,000 poor students, which produced a great response and effectively promoted and promoted It has promoted the development of “promotion and creation” work in the province.

Xinhe employees across the province carry forward the glorious tradition of "backpacking to the countryside and visiting villages from house to house". They get up early and stay up late at night, braving the scorching sun and severe cold. They are covered in sweat on sunny days and covered in mud on rainy days. They go to the fields and visit villages. Conduct a thorough survey on each household, assess the credit rating of farmers, publish the list, issue credit certificates, and issue loans at their doorsteps. The leading members at the prefectural and county levels have implemented the system of covering areas and villages, and the employees of credit unions and stations have owned households. They combine the work of "promotion and creation" with the work of clearing illegal activities, combining it with attracting deposits, and combining it with increasing capital and expanding shares. Combined with the annual inspection of credit certificates and the evaluation of excellence, various forms are adopted to publicize the financial strength of credit cooperatives, the direction of running a cooperative, profit return, stock dividends and other preferential policies to help farmers calculate economic accounts and encourage members, Farmers go to credit unions to buy shares and make deposits. They also insisted on ensuring that the village-level leadership team, agricultural infrastructure construction, farmers' awareness of promoting agriculture through science and technology, credit relationships and credit foundations, and farmers' voluntariness were well controlled. We must be mature, develop, and confirm without resorting to formality, going through the motions, or “one size fits all.” This made this activity both down-to-earth and vigorous.

As the province's "promotion and creation" work continues to deepen, the former Provincial Credit Cooperation Office has carefully arranged, carefully organized, actively guided, and regarded this work as a "credit project" throughout the country. Extensively implemented across the province. As early as 1999, Cangzhou Rural Credit Union began to use the small loan "Certificate of Credit" as the carrier, with the goal of increasing agricultural production, increasing farmers' income, and increasing the profit of the credit union. Creation of credit projects and small credit loan issuance activities. In 2002, based on their own actual conditions, they issued a series of opinions and measures on promotion and creation work, compiled and printed the "Special Issue on the Creation of Credit Projects", and founded the "Cangzhou Xinhe" newspaper, which greatly promoted the development of this work. carry out. As of May 2003, the city had issued 420,000 "Certificates of Credit" and 205 million yuan in small credit loans. 321,375 farmers within its jurisdiction had hung up the glittering "Credit User" sign, and 1,475 village trees The "Credit Village" monument symbolizing honor was erected. Dayoui Village in the city was originally a traditional agricultural village. Farmers suffered from no options and lack of funds, and the village's economy has been in a sluggish state. Members of the credit society's village team, *** Tong analyzed the development status and natural conditions of the village, traveled to Jilin, Heilongjiang and other places for inspections, and selected the beef cattle breeding industry with low risk, good market, and quick results. The credit union held an on-site loan marketing meeting in the village. The farmers signed a loan contract with the credit union on the spot based on their letters of credit. The funds were directly transferred to the farmers' special accounts for storage, and the farmers could collect their cattle on the spot. You only need to pay a certain amount of feed and breeding fees and hand them over to a breeding company with strong technical strength, which saves worry and effort. Currently, there are more than 300 beef cattle in the village. Cattle raising has changed the face of poverty and backwardness in the village. Hengshui Rural Credit Union, as an early area in the province to carry out small-amount farmer credit loans, has formulated and implemented small-amount credit loan management and assessment methods, and will issue small-amount credit loan certificates and small-amount credit loans as an annual The important assessment indicators for business operations have achieved good results. By the end of May 2003, the cooperative had issued more than 365,000 loan certificates to 80% of villages and 30% of farmers in its jurisdiction, and had issued a total of 555 million yuan in small credit loans. With the support of rural credit cooperatives, Fucheng County has developed more than 100,000 acres of high-quality orchards, 90,000 acres of high-quality insect-resistant cotton, 100,000 acres of new high-quality wheat and high-starch corn, 30,000 acres of new watermelon planting, and supports rex rabbit breeding. 6,000 households.

In 2002 alone, the county's agricultural industrialization revenue reached 450 million yuan, and farmers' income increased by 860 yuan.

The "Credit Project" is like a ray of spring breeze blowing green the land of Hebei and activating the economy. A capital letter of credit has built a bridge for farmers to get rich, and each small loan is filled with the deep love of Xinhe people. It holds up the blue sky for rural economic development. The implementation of this work not only promoted the formation and improvement of the rural credit system, deepened the fish-water relationship between the local party and government, credit cooperatives and farmers, accelerated the construction of rural spiritual civilization, but also enabled the province's rural credit cooperatives to achieve better results. benefit. By the end of May 2004, the balance of rural credit cooperatives in Hebei Province had reached 4.07 billion yuan, an increase of 590 million yuan from the beginning of the year. More than 90 rural credit cooperatives in the province had opened small credit loans for farmers and joint guarantees for farmers. Loans, more than 2 million rural households have received loan support. 4,291 credit villages have been evaluated, accounting for 8.7% of the province's administrative villages; 49 credit towns (towns) have been evaluated, with 2.488 million credit users, accounting for 18% of the province's rural households, and the number of loan certificates issued has reached 2.48 million share. Relevant leaders from the National People's Bank of China and the China Banking Regulatory Commission have visited Hebei for inspection and guidance, praising Hebei Province for being at the forefront of the country in its promotion and creation work. The Hebei Provincial Party Committee and the Provincial Government also issued separate instructions on this, fully affirming that the rural credit cooperative system has implemented a remarkable project.

Hebei Rural Credit Cooperatives keep in mind the purpose of serving "agriculture, rural areas and farmers" and vigorously promote structural adjustment and agricultural industrialization process. They aim at the market, regard supporting large-scale agricultural operations and the development of agricultural product processing industry as the joint and focus of their work, and focus their credit funds on supporting the promotion and application of "two high and one excellent" agriculture and agricultural scientific and technological achievements. , construction of rural social service system and comprehensive agricultural development. Actively support projects with natural resource advantages and geographical location advantages and the construction of characteristic industrial bases.

With the support of loans from rural credit cooperatives, the province has formed more than 1,000 green ecological planting bases with vegetables, medicinal materials, flowers, fruit cultivation, and dairy cows, sheep, lean pigs, etc. as the main planting and breeding projects. , supporting more than 100,000 large planting and breeding households. By the end of May 2004, the balance of agricultural loans from credit cooperatives in the province was 68.02 billion yuan, an increase of 6.56 billion yuan from the beginning of the year. It has effectively solved the problem of fund shortage in farmers' production and life, promoted the development of "green agriculture" in the province, and stimulated steady economic growth.

In view of the rapid development of the private economy, the rural credit cooperative system of Hebei Province has increased priority support for agriculture, animal husbandry, fishery and agricultural and sideline products deep processing projects; We will give priority support to rural "capable people"; we will give priority to projects with high technological content and good market prospects. In our work, we not only support the elite and the strong, but also help the poor. According to incomplete statistics, the mining industry in Tangshan, Chengde, and Handan; the construction of pollution-free vegetable bases in Hengshui and Zhangjiakou; the construction of pipe fitting bases in Cangzhou; the development of tourism in Chengde; and the stone carving industry in Baoding, almost all have the injection of credit funds from rural credit cooperatives. The huge capital investment has added infinite vitality to the development of Hebei's rural economy, achieving the goal of increasing farmers' income and increasing credit cooperatives' profits.

In order to simplify the loan procedures and meet the loan needs of farmers and individual private enterprises in a timely manner, they adopt the methods of securities pledge, real estate mortgage and joint household guarantee loans, and adopt the method of "establishing files, improving procedures, and approving them all at once" The credit rating management method of ", limit control, and turnover use" has solved the problems of loan difficulties, complicated procedures, and long waiting times for some large-scale farmers and enterprises. It has been timely and fast, and is very popular among farmers.