What is the basic situation of rural credit cooperatives in Hunan Province?

Hunan Rural Credit Cooperatives Association is a provincial-level local financial institution with independent legal personality directly led and managed by the provincial people's government. Entrusted by the provincial government, it performs management, guidance, coordination and service functions for rural credit cooperatives in the province. Its main functions are: to urge rural credit cooperatives to implement national financial policies and support agriculture; Formulate industry self-discipline management system and supervise its implementation; Guide rural credit cooperatives to improve corporate governance institutions and improve internal control systems; Counseling and auditing the business operation, financial activities, employment, social security and internal management of rural credit cooperatives; Urge rural credit cooperatives to elect directors and supervisors according to law, and to elect and appoint senior managers; Guide rural credit cooperatives to prevent and deal with financial risks; Guide and coordinate electronic construction; Guide staff training and education; Coordinate the relationship between relevant parties and safeguard the legitimate rights and interests of rural credit cooperatives; Organize the transfer of funds between rural credit cooperatives; Participate in the capital market and finance rural credit cooperatives; Handling or acting as an agent for capital settlement and settlement business of rural credit cooperatives; Provide information consulting services. The provincial association does not handle loans to public deposits.

After more than 50 years' development, Hunan Rural Credit Cooperatives have become the main force of rural finance and the financial link connecting farmers, playing an increasingly prominent role in supporting rural economic and social development in our province and playing an irreplaceable role. By the end of 20 1 1, there were 4,086 rural credit cooperatives, 35 corporate institutions 1, municipal cooperatives1,offices 13, and county banks1265,438 (including rural credit cooperatives and kloc-0) The total assets of rural credit cooperatives in the province are 392.4 billion yuan, of which the balance of various loans is 654.38+0895 billion yuan; The total liabilities were 376,654.38 billion yuan, of which the balance of various deposits was 323,654.38 billion yuan; 20 1 1, the province's rural credit cooperatives achieved an overall profit of 3.299 billion yuan.

Hunan Rural Credit Cooperatives Union was established in May 2005, which is another important milestone in the development history of rural credit cooperatives in our province. Through deepening the reform, the status, function and social image of rural credit cooperatives in our province have been further improved, which will usher in a better future and broader development prospects. First, the relationship between property rights is clear and the reform is progressing smoothly. By the end of 20 1 1, the reform of unified legal person in the whole province was basically completed, with the establishment of two rural commercial banks 12 and six rural cooperative banks, and the property right reform of rural credit cooperatives in the whole province achieved remarkable results. The second is to strengthen internal control management and effectively prevent risks. Through deepening reform, the internal control management mechanism of rural credit cooperatives in our province has been gradually improved, the risk prevention and control mechanism has been gradually established, the historical burden has been digested, the management level has been continuously improved, and rural finance has remained stable. Third, the service means are perfect and the service functions are enhanced. In 2007, the comprehensive business network system of rural credit cooperatives in the whole province was built, realizing the universal deposit and withdrawal in the whole province and opening the bank card business. Successfully connected with China UnionPay and the People's Bank of China's large payment system, started rural credit banking business, issued Fuxiang credit card, and self-service terminals were quickly popularized and used. Fourth, the business is in good condition and the business is developing in an all-round way. In the six years since the establishment of the Provincial Association, the deposits of rural credit cooperatives in the province have increased by 22% annually, which is 3.4 times that of the end of 2005. The average annual growth rate of various loans was 18.5%, 2.8 times that of the end of 2005; In the past six years, the accumulated operating profit has been 21600 million yuan; The proportion of non-performing loans has fallen sharply, the capital adequacy ratio has risen sharply, and the comprehensive competitiveness has been continuously enhanced.