Credit supply has increased rapidly and the quality of operation has been continuously improved. The loan balance of banking financial institutions in the city reached 8 13.9 1 billion yuan (ranked sixth in the province), an increase of13.810.90 billion yuan (ranked fifth in the province), reaching the best level in history. Non-performing loans continued to achieve "double decline", and the balance and proportion of non-performing loans decreased by 662 million yuan and 2.87 percentage points respectively compared with the beginning of the year; All banking financial institutions in the city realized book profits, with profits of 654.38+39 million yuan in that year, an increase of 84 million yuan year-on-year; The ability of corporate institutions to resist risks was further enhanced, and the capital adequacy ratio of 10 corporate institutions reached more than 8%. The provision coverage ratio of city commercial banks and rural cooperative financial institutions reached 80.09% and 96.23% respectively. Reform and development have progressed steadily. 12 of the county-level agricultural cooperatives, 1 1 have completed organizational reform, and rural cooperative financial institutions have taken the lead in opening the "Yimeng Benefiting Farmers One Card" business in China. Linyi City Commercial Bank set up the first county sub-branch in Yishui and started the "through train" business of small business credit. Postal savings institutions' small pledged loans with fixed deposit certificates are progressing smoothly, and the cumulative number, amount and balance of loans rank first in the province.
2006 is an important year to thoroughly implement Scientific Outlook on Development and accelerate the construction of a harmonious socialist society. Internationally, economic globalization is developing in depth, financial markets are more closely linked, the scale of capital flow is expanding, financial innovation is changing with each passing day, and the role and influence of finance on the economies of various countries and the world economy are obviously enhanced. Domestically, China's industrialization, urbanization, marketization and internationalization have obviously accelerated, and the demand for finance for economic restructuring and economic and social development is increasing. Judging from the situation in our city, economic and social development has stood at a new starting point. The economic work conference of the whole city proposed that in 2006, the economic work of the whole city should strive to achieve new results in seven aspects: structural adjustment, energy conservation, environmental protection and intensive land use, new rural construction, coordinated development of regional economy, reform and opening up, solving people's livelihood problems and developing social undertakings. Whether the city's economic and social development goals can be successfully achieved in 2006 is the key, and the health and operational efficiency of the financial industry directly affect the speed and quality of the whole economic development. We should put banking financial work in a more prominent position, further enhance the sense of responsibility and mission, strengthen supervision, optimize services, consolidate and develop the achievements of financial macro-control, and promote the sound and rapid development of banking financial work in the city.
First, improve and strengthen financial services and further increase support for Linyi's economic development.
The first is to enhance the overall consciousness. Everyone should form this understanding: Linyi's banking industry can only develop if its economy develops; Without the sound and rapid development of Linyi economy, there will be no sound and rapid development of Linyi banking. It is hoped that all banking financial institutions will correctly handle the relationship between their own development and local development, combine supporting local development with solving their own difficulties and problems, use development ideas and measures to resolve problems and risks, and abandon negative risk prevention practices such as simply compressing loans to achieve economic and financial harmony and win-win. The second is to highlight the key points of support. Vigorously support key enterprises, key projects and industrial clusters with obvious competitive advantages, and cultivate and support emerging industries. Support the development of circular economy and clean production, improve the comprehensive utilization rate of resources, reduce the level of energy consumption, promote ecological governance and environmental protection, and accelerate the construction of a conservation-oriented society. It is necessary to increase credit investment in high-tech enterprises and projects, encourage enterprises to innovate independently, and improve their scientific and technological content and competitiveness. The third is to increase support for weak links. It is necessary to increase support for agriculture, rural areas and farmers, improve financial services in accordance with the requirements of building a new socialist countryside, meet the credit needs of agriculture, rural areas and farmers, and actively support agricultural industrialization, rural urbanization development and rural infrastructure construction. It is necessary to increase financial support for small and medium-sized enterprises. All banking institutions should conscientiously implement the growth plan of small and medium-sized enterprises, vigorously expand the market of small and medium-sized enterprises, and continuously increase the credit supply to small and medium-sized enterprises. The banking supervision branch should highlight the guiding and supportive supervision, so that the credit work of small and medium-sized enterprises in the city will reach a new level. It is necessary to increase support for the county economy. All banking institutions should appropriately increase county business outlets, delegate credit authority, innovate financial service products, and strive to improve the level of financial services. The proposed Agricultural Development Bank, Agricultural Bank of China, Rural Credit Cooperatives and Postal Savings Bank should adjust their business ideas in accordance with the requirements of deepening the reform of rural financial system, make full use of county funds, networks and professional advantages, and better serve the county economy. The banking supervision sub-bureau should adhere to the principle of "wide access and strict supervision", lower the entry threshold of county financial institutions according to regulations, and constantly improve the financial service system to support the county economy. In addition, we should continue to increase credit support for vulnerable groups, support laid-off and unemployed people to re-employment and poor college students to complete their studies.
Two, deepen reform, accelerate the development of financial industry in our city.
First, accelerate the development of city commercial banks. Linyi City Commercial Bank, as an important part of our city's financial system, should continuously deepen its reform and strive to become stronger and bigger. There must be a clear positioning and scientific planning. Continue to serve the local economy as the goal, focus on serving small and medium-sized enterprises, base on serving citizens' lives, strive to form brand characteristics, consolidate the dominant position of serving regional small and medium-sized enterprises, and strive to develop into a regional commercial bank with strong competitiveness and operating characteristics in southern Shandong and northern Jiangsu. It is necessary to strengthen the constraints of economic capital, improve the corporate governance structure and enhance the ability of sustainable development. Actively encourage qualified strategic investors at home and abroad, including small and medium-sized private enterprises, to become shareholders and actively explore domestic and foreign listings. It is necessary to establish and improve the organizational structure with shareholders' meeting, board of directors, board of supervisors, senior management and other institutions as the main body, as well as a system to ensure the independent operation and effective checks and balances of all institutions. It is necessary to enhance innovation awareness, improve innovation ability, pay attention to market positioning, promote product innovation, and meet the financial service needs of small and medium-sized enterprises and citizens. The second is to further promote the reform of the banking system. ICBC, BOC and CCB, which have been restructured and listed, should consolidate the reform achievements, strengthen internal control construction, improve risk management and prevent the rebound of non-performing assets. Agricultural Bank of China should promote the reform of the shareholding system in accordance with the unified arrangements of its superiors. Postal savings institutions shall, in accordance with the unified arrangements of the higher authorities, steadily promote the establishment of branches of the Postal Savings Bank within its jurisdiction. Rural cooperative financial institutions should promote the reform in the direction of shareholding system, absorb the shares of enterprise legal persons with standardized management, fully complete the payment of special bills of the central bank, and ensure the smooth opening of Hedong Rural Cooperative Bank. Linyi Office of Provincial Association should play a good role in industry management, perform its duties according to law, and improve its management level. The third is to further improve the financial service system. Banking supervision departments and banking institutions should seriously study and understand the CBRC's policy of relaxing the market access of banking financial institutions in rural areas, make full preparations, support rural banks, loan companies and other financial institutions that meet the statutory conditions to settle in rural areas, and improve the rural financial service system. We should actively introduce joint-stock commercial banks to set up branches in our city. The rapid, coordinated and healthy economic development and good financial ecological environment in our city have attracted the attention of some joint-stock commercial banks. Relevant departments should actively do a good job in communication and promotion, and strive to introduce two or more joint-stock banks such as Bank of Communications to set up branches in our city during the year.
Third, strengthen risk prevention and control to promote the sound and rapid development of the banking industry.
First, effectively prevent and control credit risks. Pay close attention to the "double decline" of non-performing loans and effectively prevent the rebound of non-performing loans. Focus on preventing the risks of group customers, bill business and personal business loans, and further improve and promote the syndicated loan or club loan model. Seriously implement the "three checks" system of loans, strengthen the management of loan credit and approval, and strictly control the flow of loans. The second is to effectively prevent and control operational risks. Incorporate special case management as a routine work into the scope of banking operational risk supervision, strictly implement the responsibility system for special case management, strengthen the investigation and rectification of case risks, build a long-term mechanism for case management, completely eliminate the signs of cases and hidden operational risks, and ensure that no major cases with a million yuan or more will occur. The third is to effectively prevent and control compliance risks. Further improve the compliance risk management system and vigorously strengthen the construction of compliance culture. Banking supervision departments should further enhance the regulatory capacity of compliance risk, incorporate compliance risk supervision into the risk-based regulatory framework, and promote the self-identification and management capacity of banking institutions. The fourth is to effectively enhance the ability of risk supervision. Banking supervision departments should focus on the role of off-site supervision in timely discovering risks, identifying risks and early warning risks, improve the mechanism of continuous supervision and classified supervision, and effectively control risks. The fifth is to further crack down on financial crimes. Recently, illegal fund-raising, high-interest lending, financial chaos and other financial crimes have occurred from time to time, seriously disrupting the financial order and affecting economic development and social stability. The municipal government will hold a special meeting to study and deploy measures to combat financial crimes. Banking supervision, public security, industry and commerce, trade and other functional departments should attach great importance to it. Under the leadership of the municipal party Committee and the municipal government, we will jointly crack down on financial crimes and maintain the normal economic and financial order. At present, the focus of work is to crack down on illegal or disguised absorption of public deposits, high-interest lending, financial fraud and other criminal activities. Resolutely detect and investigate a number of major financial crimes, destroy a number of illegal criminal gangs, curb the high incidence of crimes in the financial sector, minimize the economic losses of the state, financial institutions and the people, establish a prevention and control system for the whole society to prevent financial crimes, fully protect the achievements of reform and development, and create a good financial order and a safe credit environment for the city's economic development.