Rural credit cooperatives have been with us for 20 years.

In the blink of an eye. Looking back suddenly, I participated in the rural credit cooperatives for 20 years and witnessed the development of rural credit cooperatives in Xinhe County. I experienced wind and rain, crossed the mud and created brilliance. I am like a seed, which takes root and thrives in the fertile soil of rural credit. In the past 20 years, an ignorant student who dropped out of school was full of curiosity about the life of rural credit cooperatives. From a layman to a sense of identity with the enterprise, and then to a sense of belonging to the credit union, this seemingly ordinary job has moved me all the way, hoping and harvesting all the way.

1July, 1996, I walked out of the school gate, took my dream and the school's dispatch card, and changed my pass to the only rural credit cooperative branch at the southernmost tip of the county. In August, when I came to the branch, my dream changed with the pass, and my dream became a bubble. It's a branch, but it's actually a store facing the street. The lights are on all year round. Only honeycomb coal stoves are used for heating in winter. In order to ensure that there is no gas incident, windows should be opened in winter. In summer, only the rusty electric fan on the beam head rotates, bringing a little coolness.

Life record 1: In a dark hut, an ignorant young man was receiving the depositor and took the due certificate of deposit from the depositor, which contained 1000 RMB. The young man took 1000 yuan under the purple light and carefully scanned it to verify the authenticity of the banknote. Then according to the deposit certificate number, search the deposit certificate ledger and confirm that it is the deposit certificate of this outlet. He looked up at the deposit base table arranged by age of deposit certificate on the wall. In order to calculate accurately, the young man takes 1 1,000 yuan as the base, and converts it into interest due according to 3 months, 6 months, 1 year, 2 years, 3 years, 5 years and 8 years, and divides the current account into 1 day and 2 to 9 days according to the number of days. This calculation is clear at a glance and reduces the error rate. According to the certificate of deposit, the young man calculated the interest on the abacus, opened an interest slip, and then added the principal and interest together. According to the receipt filled out by the customer, a triple deposit certificate was issued and the official seal was skillfully stamped. The principal and interest are all checked on the abacus, and the rest are found for the customer.

This is a microcosm of me who just walked out of school that year. I remember that the credit union and the sub-branch were in the same town, and the sub-branch was on the bustling street on the west side of the town. South of the branch is the business office of China Agricultural Bank. The system at that time was not as standardized as it is now. Every day, I ride a 28-year-old bicycle with a black bag on the handlebar. This is my office every day. It contains 30 thousand to 50 thousand yuan, which shuttles from the head office to the branch office. My companion is a retired employee of a rural credit cooperative who is nearly 70 years old. I will stay here for three years.

The simplicity and kindness of the villagers in the town have filled me with enthusiasm for life. There is the business hall of the Agricultural Bank of China and the credit cooperatives and sub-branches under the Agricultural Bank of China. Just like brothers, * * * works here together. The branch where I work is next to the business hall of Agricultural Bank of China. It is an enterprise with business contacts.

I have always listened to my parents' instruction: I am a stranger half a mile away from the village, so I should know how to respect others. I work with money. I should always keep a clear head and avoid making mistakes. Being kind to every customer is also paving the way for yourself. Once something happens, you come to me and you'll never find me again. With this in mind, I smiled and treated every customer patiently. My behavior has been affirmed by depositors, who are willing to associate with me and think I am sincere and reliable. Perhaps the reason why I treat people sincerely is that I have never made any mistakes when I work at the front desk. Walking in the street, the villagers greeted me warmly. After work, there are always fellow villagers who come here to chat with me, so that I am no longer lonely.

1In August, 1996, the State Council's Decision on the Reform of Rural Financial System determined that "banks and cooperatives were separated" and rural credit cooperatives returned to the direct management of the central bank. Three pots were divided at home, and the Agricultural Bank of China, Rural Credit Cooperatives and Agricultural Development Bank were formed, and the three brothers "divided". Since then, the competition between ABC and rural credit cooperatives has begun.

1999 I left the branch and went to the credit union in front of my house. I have worked here for 10 years.

In my hometown, I am reliable, and all men, old and young, know this very well. My parents are good and my family style is good, which makes me have a good popularity in Shiliba Village nearby. From the front desk to the scene, through the continuous polishing of various work, I gradually understand the accounting business process and internal control requirements of rural credit cooperatives.

Rural credit cooperatives have entered an active period of reform. After 2003, the newly established CBRC became the actual supervisor of rural credit cooperatives. Rural credit cooperatives began the reform of "spending money to buy mechanism". Rural credit cooperatives are managed by at least four aspects: the provincial people's government, the China Banking Regulatory Commission and its dispatched institutions, the central bank and its branches, and the provincial management institutions of credit cooperatives. During the period, I constantly enriched myself, participated in the business competition of the county association many times, and achieved good results many times. Based on this, the Associated Press transferred me to participate in the business inspection team and went deep into government departments to help. Have a deeper understanding of the development of rural credit cooperatives in this county.

Life Record 2: A depositor walks into the business hall of a credit union. When the teller saw the depositor coming, he quickly stood up and said hello, and the fellow villagers also knew him. The depositor took out the certificate of deposit and 10 thousand yuan from his pocket and handed it to the teller. The teller chatted with the depositor and quickly ordered 10 thousand yuan through the money counter, which confirmed the accuracy. According to the deposit slip, the teller skillfully uses the microcomputer to find out the deposit slip number and print out the interest list quickly. The customer signs the deposit slip and interest slip. Then, according to the receipt machine filled out by the depositor, print the deposit slip, affix the official seal, and hand over the remaining interest and deposit slip to the depositor.

The manual account of the whole jurisdiction was gradually replaced by the microcomputer account, and the operation mode of "two people came to the counter and replaced people to check" was changed to the comprehensive teller system.

In June 2005, the Provincial Association was established, and rural credit cooperatives implemented a unified legal person with counties (cities) as units. Then, the province's commercial networking, rules and regulations gradually standardized. I once stayed in a small town and the branch was merged. The business office of China Agricultural Bank has also been removed from the town, leaving only the credit cooperatives in the town. The county union gradually merged the credit cooperatives, leaving 16 outlets in the county. Cameras are installed in all directions in the business outlets, and all the work is handled carefully according to the operating procedures.

After the five-level classification was fully implemented in 2006, in 2007, the "two-track operation" with five-level classification as the main and two kinds of data submitted was implemented, and there were still four-level classification as a reference. The province has carried out five-level classification training. I have also participated in many trainings in Xingtai. This year, the county rural credit cooperatives realized the transformation of loans from four-level classification to five-level classification.

In 2007, our county carried out a series of reforms, such as comprehensive system reform, establishing loan classification system, and central bank paying the bill. According to the regulations, if the four contents of rural credit cooperatives, such as the decline of non-performing loans, the capital adequacy ratio, the transformation of operating mechanism and the corporate governance structure, meet the specified conditions within the specified time, they shall pay the special bills of the central bank. But whether you are really satisfied or not, you need to test the authenticity of the specified indicators to ensure that the "money-buying mechanism" has achieved tangible results. That year, the central bank bill was successfully paid! Its successful issuance marks that the system reform of rural credit cooperatives in Xinhe County has stepped onto a new level.

I wander between the front desk, the field and the associated press departments, constantly broadening my horizons. With the increasingly fierce financial competition, Agricultural Bank of China, Postal Savings and microfinance companies have returned to the countryside, and rural credit cooperatives can no longer sit back and relax. The cadres and workers under the jurisdiction of the province gradually adapted to the new normal of finance, changed "waiting for customers to come to the door" to "looking for customers to come to the door", and launched the activity of "rural credit cooperatives entering thousands of households" to serve the people.

Life Record 3: My uncle came to see me the other day. My uncle said that he went to work in Hengshui a few days ago, and the boss said that he would transfer his salary through a credit card. Let me help. I got him a credit card at the credit union. One day, my uncle told me that the boss called and said that he had turned around. I said, "Did you get the message?" . He said he didn't notice. I took him to the farmer's shop in our village. I asked the business owner Xiao Linzi to check it for him. Xiao Linzi took the card, scratched it on a machine similar to a telephone, showed the balance in the card, and did make a phone call. Uncle asked Xiao Linzi to get him 500 yuan. I told my uncle that in the future, we can deposit and withdraw small amounts below 1000 yuan by transfer and remittance, and we can do it here without going to the credit union. Uncle said happily, "People are so capable now, and everything can be done at home."

20 10, came to the office of the Associated Press, transferred to work as a writer, and described the development and reform trend of Xinhe Rural Credit Cooperative in words. ICT cards have gradually spread to every household and everyone. Migrant workers gradually realize the convenience, rapidity and efficiency of ICT card. Since 20 1 1, POS machines have been widely used in shopping malls and enterprises, which has eased the pressure of collecting money. There are many inconveniences in cash payment: it is inconvenient to carry a lot of cash, it is time-consuming and laborious to count the change, it is difficult to distinguish the authenticity of paper money, and the bill settlement is prone to errors. Therefore, after the installation of UnionPay POS machine, the cash management risks of major enterprises and merchants are greatly reduced, the manual collection, counting and change of banknotes are reduced, and the workload of counterfeit banknotes and cash custody is fundamentally eliminated. With the popularization of EPOS to help farmers withdraw money in every village, as long as there is a communication card and a service point to help farmers withdraw money, the village can handle small deposit and withdrawal and transfer business 24 hours a day, and the common people "work outside to earn money and withdraw money at home" has become a living reality.

Life record 4: It was after eight o'clock this evening, and I was surfing the Internet at home. Brother two dog, a neighbor, came to my house and threw me 2000 yuan. "What do you say? Your nephew needs 2000 yuan urgently tomorrow. The money at home, he is so far away, how can I send it to him? You see how to do it. " It turns out that his son is in urgent need of 2000 yuan to go to school in Beijing. I said it was simple, so I took out the U shield, plugged it into the computer, and asked Brother two dog to give me the student card account I gave his son. I transfer money by logging in to the online bank of Hebei Rural Credit Cooperatives. After a while, I asked two dog to call his son to confirm whether he had received the transfer message. The other party's reply has been received. "Hey hey, it's amazing. In a few minutes, the money flew hundreds of miles away. " Brother two dog smiled. "Hundreds of miles, thousands of miles is not a problem. As long as there is the other party's account, any bank can do it, and it will be in place in a few minutes through the online banking of Hebei Rural Credit Cooperatives. " I told Brother two dog how to use online banking.

The Internet has narrowed the distance between cities and villages, and the upgrading of mobile banking, rural credit cooperatives and self-service deposit and withdrawal equipment has brought tangible benefits to the people. ATM machines stay in the countryside, so that ordinary people can enjoy more intimate services. Inter-bank transfer business, UnionPay cardholders can transfer money to other UnionPay cards at the ATM of any bank in the country. Inclusive finance has accelerated the upgrading of electronic products, and developed a series of products such as "agricultural loan treasure", "commercial loan treasure", "entrepreneurial treasure", "consumer loan treasure" and "student card" to help "agriculture, rural areas and farmers", help "small and micro" and serve the development of "county economy", so that farmers can see the hope of getting rid of poverty and becoming rich.

In the fierce competition, rural credit cooperatives continue to innovate, make up for shortcomings and enhance the image of rural credit cooperatives. Strengthen management, carry out employee training, improve the quality of employees, and carry out the activities of "creating stars through outlets" and "building five small enterprises". Ordinary people feel that it is practical to put money in their own banks, while employees feel that rural credit cooperatives are their own homes.

The future is bright and the road is tortuous. Looking back on 20 years, I am happy with the road I have worked hard for. Looking forward to the future, I am full of confidence in the bright future of credit cooperatives, because it is a road to go forward bravely in hard work and a road to struggle in innovation. Although the dream has a long way to go, let's continue to carry forward the spirit of unity and overcome the difficulties with a beautiful dream of credit cooperatives. The dream of Xinhe Credit Cooperative will come true just around the corner!