Shouguang is the contact point for General Secretary Hu Jintao to maintain party member's advanced education activities. In recent years, under the correct leadership of the provincial party committee and the provincial government, the whole city has vigorously developed vegetable production, becoming the largest vegetable production base in China and known as "the hometown of vegetables in China". At present, 900,000 mu of pollution-free vegetable base, 550,000 mu of winter warm vegetable greenhouse and pepper, leek and celery vegetable production base have been formed 10 mu.
Economy determines finance, and finance promotes economy. In the ascendant economic trend, Shouguang Rural Commercial Bank has firmly established the market orientation of "facing agriculture, countryside and farmers, facing urban communities, facing small and medium-sized enterprises and facing county economy". While supporting the city's full-speed economic development, it has also stepped into the fast lane of sustained, healthy and rapid development, and has been successively rated as "China Banking Civilized and Standardized Service Demonstration Unit", "Provincial Civilized Unit", "Good Bank" and "Advanced Unit for Supporting Small Enterprises". On June 5, 2007+February 65+February, Jiang, Vice Chairman of China Banking Regulatory Commission, made a special trip to our bank to inspect and support the construction of new countryside. On June 3rd, 2008, Liu, Chairman of China Banking Regulatory Commission, went to Shouguang for a special investigation. Leaders at all levels fully affirmed and spoke highly of Shouguang Rural Commercial Bank's courage to innovate finance, promote "golden debt" credit mutual loans in rural areas, and support agricultural professional cooperatives and small and medium-sized enterprises. Pioneering and innovating to build harmony
Shouguang Rural Commercial Bank, as the main force supporting agriculture, has issued a loan of 90,000 yuan since 1989, supporting Wang Leyi, secretary of the Party branch of Sanyuanzhu Village, to lead 17 party member cadres to create 17 vegetable greenhouses, which triggered the national "green revolution" of vegetables. Up to now, 26 billion yuan of loans have been granted to support the development and upgrading of vegetable industry, support the upgrading of greenhouse in winter to the fifth generation, and create more than 200 transportation majors. In order to further improve the rural credit environment and fundamentally solve the problem of farmers' difficulty in loan and guarantee, Shouguang Rural Commercial Bank vigorously promoted the construction of rural credit projects, constantly improved the rural credit network, vigorously promoted the construction of agricultural support marketing network with the evaluation of credit villages and credit users as the main content, and focused on the implementation of loan vouchers, counter loans and micro-agricultural loan process reengineering. At present, there are 944 credit villages in the city, accounting for 93.65% of administrative villages; There are 59,556 credit rating users, accounting for 35.2% of the city's farmers, and loans issued at the counter are 65.438+77 billion yuan. While increasing farmers' income, the bank also launched the first housing loan for farmers in the province, giving 500,000-300,000 yuan of credit support to farmers who meet the rural land use policy and the planning of villages and market towns. At present, 22 1 housing loans have been granted to farmers, amounting to 63 million yuan, which has supported the reconstruction and expansion of more than 20 new buildings and villages.
With the gradual improvement of the scale, intensification, specialization and industrialization of rural economy, the scale and duration of farmers' demand for production and operation funds have changed greatly. Under the specific guidance of provincial and municipal cooperatives, in April 2007, "2+ 1" and "Jinlian Association", which are composed of banks, village committees and farmers, took the lead in launching the "village-owned shares loan" business in China. Village committees provide guarantee funds, banks issue loans, and farmers who participate in the association enjoy credit loans. Up to now, 24 "Golden Ties" associations have been established in the city, with a total loan of 67.49 million yuan, effectively solving the problems of farmers' difficulties in loan and guarantee. After the promulgation of the Law on Farmers' Specialized Cooperatives, the Interim Measures for the Loan Management of Farmers' Specialized Cooperatives was issued, which further explored and summarized two new modes of supporting agriculture, namely, supporting cooperatives to drive farmers to promote the development of agricultural industrialization and supporting members to promote the development of cooperative organizations with credit. Support the establishment of a number of farmers' professional cooperatives such as prairie fire, green melons and fruits, and Nongsheng Manor, and support the formation of a number of high-efficiency agricultural industrial belts and industrial zones with different characteristics in the city.
Leading enterprises are the key to the sustainable development of agriculture and rural economy and the bridge to improve the level of farmers' organization. Shouguang Rural Commercial Bank actively promotes the loan management mode of "company plus base", and by supporting the cultivation of leading enterprises in the name of "agriculture", thousands of households with decentralized management and low risk resistance will be included in the agricultural development consortium. Up to now, more than 65.438 billion yuan of loans have been granted to support the development of leading agricultural enterprises in the city to more than 65.438+0.50, and the annual processing capacity of agricultural products has reached 6.5438+0.5 million tons. A total of 654.38+0.2 billion yuan of loans were granted to support companies such as Tiancheng Food, Saiwei Technology and New Century Seedlings to start with large-scale operation and vigorously develop breeding bases and deep processing of products. Products are exported to Japan, South Korea and other countries and regions 10, and more than 20,000 farmers have become rich. A total of 300 million yuan of loans were granted, and 34 production supporting markets such as agricultural machinery, chemical fertilizers, seed pesticides, science and technology and labor services were cultivated and developed.
In order to increase its support for the development of small and medium-sized enterprises, the bank has increased its loan support for small and medium-sized enterprises such as science and technology, employment and comprehensive utilization of resources, actively formed enterprise-business alliances, and implemented preferential interest rates and preferential loan support. Up to now, * * * has established 1 1 enterprise and merchant alliance with a credit of1300 million yuan; Established 44 1 enterprise economic files, evaluated 3 AAA-level enterprises, AA-level enterprises 1 1 enterprise, 369 A-level enterprises and 20 enterprises below A-level, with a total credit of 3.46 billion yuan. At the same time, breaking the departmental management framework, introducing "flat" management, effectively separating large corporate customers from small individual customers, fully considering the short, urgent and fast financing needs of small and medium-sized enterprises, working hard on customer credit rating, credit management, loan approval authority and loan management requirements, decentralizing loan approval authority, optimizing approval process, innovating credit products, improving work efficiency, and effectively solving the problem of excessive procedures and long time in loan issuance.
With the continuous development of social economy and financial market, residents' awareness of financial management has been continuously improved. In order to meet the diversified investment needs of customers, Shouguang Rural Commercial Bank sized up the situation and successfully issued the first phase of wealth management product Jinhuiying X Series No.1 on April 28, 2008, with a term of three months and raised funds of 25 million yuan. Jin Huiying's X-series II and P-series I have also been successfully issued, with a cumulative sale of 654.38+75 billion yuan. By issuing wealth management products, we have enriched business varieties and provided customers with higher quality financial services. At the same time, a personal loan service center was set up in the downtown business district, which implemented professional management, improved work efficiency and enhanced business competitiveness. Internal control is the top priority of enterprise development.
The sustained and rapid development of various businesses is inseparable from the effective restriction of internal control. In view of the different problems existing in management, the bank has successively carried out activities such as "year of internal control construction", "three special treatments", "discussion on reform and development" and "reading meeting to emancipate the mind" to comprehensively enhance the internal control and risk awareness of cadres and employees, constantly standardize and improve rules and regulations and operational procedures, and always operate and manage under rules and regulations. From June 5438 to February 2004, the bank took the lead in passing the ISO900 1 international quality management and BS7799 information security management system certification in the province's financial system, and its business operations and management processes were standardized, programmed and standardized. On this basis, the appointment system of accounting and credit vice presidents, double-line responsibility assessment, and strengthening supervision and restriction mechanism have promoted business development and improved internal management level. At the same time, the introduction and implementation of internal control risk assessment, from the implementation of important link control system, the implementation of accounting check system, printing fee voucher management and other aspects. In-depth organization of risk assessment and standardized management. Now it has become the basic and routine work of internal control management, which is carried out twice a year, and the evaluation results have all risen from the initial C and D levels to the current B level and above. We also pay close attention to compliance risk education, enhance the compliance awareness of all employees, redefine the responsibilities of accounting, cashier and credit posts and refine the operational procedures of various businesses according to the requirements of "one business, one manual, one process, one system and one post".
Chapter Four: Future and Prospect
The development of finance is inseparable from a good policy environment. Under the correct leadership of Party committees and governments at all levels and superior departments, it has created a solid foundation for Shouguang Rural Commercial Bank to support the construction of new countryside and promote economic prosperity. In recent years, the growth rate of deposits and loans has been above 15%, and the profitability has been greatly improved. By the end of June 2009, the balance of various deposits and loans reached 654.38+0.28 billion yuan and 8.26 billion yuan respectively, an increase of 3.26 billion yuan and 654.38+0.82 billion yuan respectively over the beginning of the year; Among them, the balance of agricultural loans was 5.05 billion yuan, accounting for more than 98% of the total agricultural loans of financial institutions in the city; The number of farmers supported by credit reached 46,000, accounting for 56.1%of the farmers with credit demand in the city; The comprehensive strength ranks in the forefront of the county-level associations in the province, reaching the second-level supervision standard of the China Banking Regulatory Commission.
The great development achievements have not intoxicated the decision-makers of Shouguang Rural Commercial Bank, but the fleeting development opportunities and new tasks in the new period have always maintained a clear development mind. Rooted in Shouguang, serving Shouguang and growing together with Shouguang show the broad mind and lofty responsibility of a modern financial enterprise.