Rural Cooperative Bank Preparation Report

According to the spirit of the “Notice on Printing and Developing the Pilot Program for the Reform of Rural Credit Cooperatives”, the “Provisional Regulations on the Management of Rural Cooperative Banks”, the preparatory work of the Yiwu Rural Cooperative Bank’s preparatory work team has been basically completed, and the preparatory work has basically ended. Have the conditions for opening. The report on the preparatory work is now as follows.
I. The establishment of Yiwu Rural Cooperative Bank The Yiwu Rural Cooperative Bank was established on the basis of the original Yiwu Credit Union in November of the same year. Under the close attention and full guidance of the Yiwu Municipal Government and relevant departments, it was nearly The preparatory work was basically completed in one year.
Establish an organization and strengthen leadership. After the Yiwu Credit Union was identified as the pilot unit for the reform of the rural credit cooperatives in the province, the Yiwu Municipal Party Committee and the Municipal Government attached great importance to it. The mayor Wu Weirong was appointed as the team leader, the deputy mayors Wang Kuiming and Zhu Jianglong as the deputy heads, and the relevant functional departments were members. Yiwu City deepened the pilot group for the reform of rural credit cooperatives. The steering group of the leading group will be led by a business backbone formation reform steering group to guide and coordinate the reform of Yiwu Rural Credit Cooperative. On April 26, the establishment of a working group for the Yiwu Rural Cooperative Bank was set up to be responsible for the preparatory work and provided organizational guarantee for the smooth progress of the reform.
Study carefully and develop a plan. In accordance with the spirit of “Notice on Printing and Developing the Pilot Program for Deepening the Reform of Rural Credit Cooperatives”, the Municipal Restructuring Leading Group held several meetings to study the reform of rural credit cooperatives and combined the actual situation of Yiwu to formulate the pilot reform of Yiwu Rural Credit Cooperatives. The Implementation Plan was reported to the leading group for the pilot reform of the rural credit cooperatives in Zhejiang Province on March 12, and was approved on April 6. On April 27th, the Yiwu Municipal Government held a conference on the reform of the rural credit cooperatives in the city. So far, the reform of rural credit cooperatives in Yiwu has been fully launched.
Comprehensively carry out the production of nuclear assets. According to the "Guiding Opinions on the Work of Clearing and Producing Nuclear Resources of Zhejiang Rural Credit Cooperatives", Yiwu Rural Credit Cooperative began to clear production on February 10 of the same year. On the basis of the self-examination of credit unions, Jinhua Antai Assets Appraisal Co., Ltd. and Jinhua Antai Certified Public Accountants, which have the qualifications for assessing financial enterprises, are employed. All assets, liabilities and owner's equity of Yiwu Rural Credit Cooperative and the rural credit cooperatives under the jurisdiction of the company. Carry out an inventory. At the end of April, the work of clearing assets and capital verification was completed, and the “Yiwu Rural Credit Cooperatives Association’s Report on Clearing Assets and Clearing Assets” and the “Yiwu Rural Credit Cooperatives Association’s Net Assets Confirmation Book” were formed. The Yiwu Rural Credit Cooperative Reform Pilot Work Leading Group, Credit Union and Jinhua Antai Certified Public Accountants confirmed the acceptance and passed the acceptance of the Jinhua Banking Supervision Bureau and the Zhejiang Supervision Bureau of the China Banking Regulatory Commission.
Careful and meticulous, do a good job in the preparation of specific projects.
The first is to study and formulate plans for preparation. According to the "Approval of the Implementation Plan for the Pilot Reform of Rural Credit Cooperatives in Zhejiang Province", the opinions of the Yiwu Rural Cooperative Bank were agreed to be established, and the "Interim Regulations on the Management of Rural Cooperative Banks" was combined with the "Implementation Plan for the Reform of Yiwu Rural Credit Cooperatives" to study and formulate The preparatory materials for the preparatory materials for the Yiwu Rural Cooperative Bank and the Yiwu Rural Cooperative Bank Feasibility Report.
The second is to hold a representative meeting of the members of the original credit union. In late April, Yiwu Rural Credit Cooperative and the Rural Credit Cooperatives under its jurisdiction held the original members' congress and completed the following tasks. After deliberating and disqualifying its legal person status, it merged with the affiliated society and its credit cooperatives to form the Yiwu Rural Cooperative Bank. All creditor's rights and debts were inherited by the Yiwu Rural Cooperative Bank. The review and approval of the original credit union member stocks clearance plan. Authorized to entrust the preparatory work team of Yiwu Rural Cooperative Bank to submit an application for the establishment of Yiwu Rural Cooperative Bank to the banking regulatory institution.
The third is to comprehensively clean up the shares of the original credit union members. For the original credit union members' shares, they are disposed of in four categories: First, for members who are willing to invest in Yiwu Bank, the natural person shares will increase the amount of shares to 1,000 yuan, and the legal person shares will increase the amount of shares to 10,000 yuan, which is the qualification stock of Yiwu Bank. Second, for members who do not want to invest in Yiwu Bank, the shares will be repaid in the same amount. Third, for those who are neither willing to increase capital nor reluctant to withdraw shares, the shares will be transferred to the centralized management of special accounts. The shares managed by the column accountholders only enjoy dividends and do not enjoy other rights of shareholders. Fourth, the shares that are invested in the name of the production team will be retired in principle; those who are unwilling to retreat will be transferred to the centralized management. The shares managed by the column accountholders only enjoy dividends and do not enjoy other rights of shareholders. The above-mentioned programs were reviewed and approved by the Associated Press and the representatives of the rural credit cooperatives. On April 28th, the Yiwu Rural Cooperative Bank Preparation Working Group and the rural credit cooperatives jointly issued an announcement. From April 28th to May 10th, the rural credit cooperatives' stock gold clearance work was fully carried out. According to statistics, at the end of the year, the actual amount of stocks should be cleared of 24,676 households and 579.12 million yuan. 21,310 households and 57.793 million yuan have been cleared, accounting for 86.36% of the number of households to be cleared, accounting for 99.97% of the funds to be cleared, and 3,366 uncleared shares. , 19559.3 yuan.
The fourth is to determine the fund raising plan and the target of the offering, and initiate the establishment of a rural cooperative bank. The pilot group of the pilot reform of rural credit cooperatives in Yiwu City attached great importance to it and held special meetings on a number of occasions to strictly set the conditions for shareholding and carefully study the stock offering plan. In order to fully reflect the principles of openness, fairness and justice, it was decided to implement the public operation of the whole process of raising shares of Yiwu Rural Cooperative Bank, namely: public capital increase and share expansion plan and capital increase and share expansion indicators, and open legal persons and natural persons who meet the requirements for application. The list is announced in the "Commodity World News", and the Banking Supervision Office, the Discipline Inspection Commission Supervision Bureau, and the Audit Bureau form a shareholding qualification review supervision group, which is responsible for the overall supervision of the entire qualification review process and results. From July 2nd to July 9th, the preparatory work group of Yiwu Rural Cooperative Bank publicized the results of the application for the recruitment of legal persons and social natural person shares of Yiwu Rural Cooperative Bank in the "Commodity World". Upon expiration of the publicity period, the Yiwu Rural Cooperative Bank Qualification Examination and Supervision Team determined that it was eligible to raise 131 legal person shares of Yiwu Rural Cooperative Bank and 4,749 social natural persons, including 1666 key customers and 3083 non-key customers. According to the opinion of the China Banking Regulatory Commission, Yiwu Rural Cooperative Bank was established in the form of sponsorship. The legal person and natural person who meet the conditions for the stock raising signed the “Yiwu Rural Cooperative Bank Sponsor Agreement” before July 14 to subscribe for the sponsorship of Yiwu Rural Cooperative Bank. People's shares, voluntarily initiated the establishment of Yiwu Rural Cooperative Bank.
The fifth is to report the preparation for construction in a timely manner. After the above-mentioned various tasks were completed in accordance with relevant laws, administrative regulations and other regulations, the Zhejiang Banking Regulatory Bureau reviewed and approved, and on August 4, submitted an application to the China Banking Regulatory Commission to the Yiwu Rural Cooperative Bank, and applied for approval on August 4. On September 9, the General Office of the China Banking Regulatory Commission issued the "Approval on the Establishment of Zhejiang Yiwu Rural Cooperative Bank" and agreed to establish Zhejiang Yiwu Rural Cooperative Bank.
Sixth is to complete the preparatory work for preparation. After the application for the construction of the application, the preparatory work team of Yiwu Rural Cooperative Bank and its office immediately carried out various preparatory work, raised shares to the promoters, drafted the articles of association, the rules of the shareholders' meeting, the rules of the board of directors, the rules of the supervisory committee and the main branches of the Yiwu Rural Cooperative Bank. Management system, elected Yiwu

Shareholders of the first shareholder representative meeting of the Rural Cooperative Bank. Today, we held the first meeting of the founding conference and the first shareholders' congress, and will hold the first meeting of the first board of directors and the board of supervisors. So far, the preparatory work for the preparation of the Yiwu Rural Cooperative Bank has been fully completed.
II. Implementation of the preparatory work of Yiwu Rural Cooperative Bank The preparatory work team of Yiwu Rural Cooperative Bank has been carefully planned and carefully organized to clarify the objectives, conscientiously implement and implement the responsibilities, and complete the preparatory work as scheduled with the support and efforts of all parties.
The "Yiwu Rural Cooperative Bank Charter" was drafted. The preparatory work leading group of Yiwu Rural Cooperative Bank has drafted the “Yiwu Rural Cooperative Bank Regulations” after full preparation, reconsideration and improvement. The contents include general principles, business purposes and business scope, registered capital and share capital, shareholders and shareholder representatives, and directors. And the board of directors, the board of supervisors, the president, financial management, termination and liquidation and the supplementary provisions, etc., clearly defined the nature of the institution, shares, corporate governance, management and other aspects, after the review and approval, the organization of the Yiwu Rural Cooperative Bank It has a guiding and binding role with behaviors, cooperative banks and shareholders, shareholders and shareholders.
The shares have been raised in place. The promoters of Yiwu Rural Cooperative Bank subscribed for all the shares, and the total amount of shares raised was 30.071 million yuan, including 11,714 households and 12.821 million yuan, accounting for 4.26% of the total share capital. The investment stocks were 287.791 million yuan, accounting for 95.74% of the total share capital. . . Jinhua Antai Certified Public Accountants reviewed and verified the shareholder qualifications, and issued the “Zhejiang Yiwu Rural Cooperative Bank Shareholder Qualification Examination Report” and the “Zhejiang Yiwu Rural Cooperative Bank Capital Verification Report”.
Improve the corporate governance structure.
The first is to establish a shareholder congress. According to the composition ratio of the relevant representatives of the cooperative banks, 22 representatives of the farmers and rural industrial and commercial households were elected, 14 were corporate legal person shareholder representatives, 14 were employee shareholder representatives, and a total of 50 shareholder representatives formed the first shareholder of Yiwu Rural Cooperative Bank. Congress. The representative of the shareholders' congress was elected in accordance with the "Interim Provisions on the Administration of Rural Cooperative Banks" and the "Implementation Plan for the Reform of Rural Credit Cooperatives in Yiwu City", which was elected by natural persons and legal persons. Among them, the legal representative of corporate legal persons and other natural persons in society Recommended by various credit cooperatives, preparatory work group review, and seek the opinions of the party and government leaders of the town and the municipal government, the people's congress, the CPPCC, family planning, public security, taxation, etc., and then propose a list of candidates for shareholder representatives, with towns and streets elected as constituencies. The representative of the employee shareholder has 14 constituencies, and the employee shareholder nominates the candidate for the shareholder. It is confirmed by the preparatory work group of the party committee of the association and submitted to each constituency for election. When identifying candidates, social natural persons include farmers and representatives of rural industrial and commercial households; corporate legal persons focus on industry dispersion; employees include senior management, middle-level and various positions, with more comprehensive representation. The 50 shareholder representatives elected in this election, including the representative name of the party members, accounting for % of the total number of representatives; the representative of college education or above, accounting for % of the total number of representatives; the name of the above intermediate titles, accounting for % of the total number of representatives; Represents the total number of %.
The second is to establish a board of supervisors. The first session of the Yiwu Rural Cooperative Bank will elect the first board of directors and the first board of supervisors of Yiwu Rural Cooperative Bank. The first board meeting and the board of supervisors meeting will be held respectively, and the proposed chairman and supervisor will be elected respectively. long. According to the Interim Provisions on the Management of Rural Cooperative Banks and the Articles of Association of Yiwu Rural Cooperative Banks, the first session of the Board of Directors has a total of 13 members. The ratio of farmers, corporate legal persons, employees and independent directors is 4:4:3:2; There are 7 members of the Board of Supervisors, 2 employee supervisors, 5 corporate legal persons and social natural person supervisors, and 2 independent directors. They are in the process of investigation and are ready to be selected in the future under the premise of the conditions stipulated in the Articles of Association of Yiwu Rural Cooperative Bank. There are highly accomplished professors and experts in financial management.
The third is to set up a management team. The first board of directors of Yiwu Rural Cooperative Bank will hire senior executives such as the acting president, deputy governor and heads of finance, credit and auditing to form the Yiwu Rural Cooperative Bank management team.
Develop an institutional setting plan and a senior management staffing plan. Yiwu Rural Cooperative Bank Headquarters Office, Human Resources Department, Credit Management Department, Risk Management Department, Market Operation Department, Project Finance Department, Accounting Settlement Department, Audit and Security Department, International Business Department, Corporate Culture Department and other 10 functional departments. On the basis of the original independent accounting rural credit cooperatives, the branch plans to set up 73 business outlets in combination with the development plan of the block economy, including one sales department, 38 sub-branches and 34 branch offices, namely the sales department and the guest office. Wangzhixing, Changchun Branch, Chunjiang Sub-branch, Meihu Sub-branch, Choucheng Sub-branch, Bridge Sub-branch, Chengzhong Sub-branch, Jiangbin Sub-branch, Mall Sub-branch, Chengbei Sub-branch, City Station Sub-branch, Chentang Sub-branch, Futian Sub-branch, Xia Luo Zhai Branch, Shang Sub-branch, Heyetang Sub-branch, Jiangdong Sub-branch, Qingkou Sub-branch, Jiulian Sub-branch, Choujiang Sub-branch, Yangcun Sub-branch, Jiangwan Sub-branch, Houzhai Sub-branch, Chengxi Sub-branch, Donghe Sub-branch, Xiayan Sub-branch, Shangxi Branch, Wudian Sub-branch, Yiting Sub-branch, Fotang Sub-branch, Chian Sub-branch, Suxi Sub-branch, Dachen Sub-branch, Yusanli Sub-branch, Beiyuan Sub-branch, Qianhong Sub-branch, Liuqing Sub-branch, Kaiji Branch , Hong Kong City Branch Office, Trade and Industry Branch Office, Yangtze River Branch Office, Guangnan Branch Office, Xujiang Branch Office, Dongjiang Branch Office, Embroidery City Office, Jindu Branch Office, Guantang Branch Department, Pengcheng Branch Office, Humen Branch Office, Tang Li Branch Office, Xinliang Pavilion Branch Office, Hangchoo Branch Office, Wang Wei Branch Office, Putian Zhu Branch Office, New Century Branch Office , Cooperative Branch Office, Tianxin Branch Office, Wang Zhai Branch Office, Tashan Branch Office, Beile Branch Office, Mao Chen Branch Office, Dong Zhu Branch Office, Maodian Branch Office, Xinan Branch Management Office, Qiaoxi Branch Office, Joint Branch Office, Yulin Branch Office, Dongtang Branch Office, Huaxi Branch Office, Zhongxin Street Branch Office, Stars Branch Office, and Chengdong Branch Office.
Yiwu Rural Cooperative Bank is proposed to be equipped with senior management personnel, including one chairman, one supervisor, one president and two vice presidents; one person in charge of finance, credit and audit departments, and the sales department and branch The deputy governor is 78 people. Yiwu Rural Cooperative Bank has 864 employees, 98% of whom have engaged in financial work for more than one year, about 14% of those with bachelor degree or above, about 60% of college graduates, and about 17% of secondary school personnel. %, about 9% of the technical secondary school personnel. Among the employees, the economic professional accounted for about 23%, the legal professional accounted for about 0.1%, the computer professional accounted for about 0.6%, the accounting major accounted for about 28%, of which professionals accounted for 53%.
Formulate the main management system. In accordance with the requirements of bank management and risk control, the preparatory work leading group drafted the Rules of Procedure for the Shareholders' Representative Meeting of Yiwu Rural Cooperative Bank and the Rules of Procedure for the Board of Directors of Yiwu Rural Cooperative Bank.

"Rules of the Board of Supervisors of Yiwu Rural Cooperative Bank", "Responsibilities of the Risk Management Committee of the Board of Directors", "Responsibilities of the Remuneration Committee of the Board of Directors", "Responsibilities of the Audit Committee of the Board of Directors", "Office of the President of Yiwu Rural Cooperative Bank" and "Credit of Yiwu Rural Cooperative Bank" Administrative Responsibility System Implementation Measures, Yiwu Rural Cooperative Bank Loan Operating Procedures, Yiwu Rural Cooperative Bank Debt Assets Management Measures, Yiwu Rural Cooperative Bank Financial Management Measures, and Yiwu Rural Cooperative Bank Accounting Basic System Operation Regulations, "Yiwu Rural Cooperative Bank Auditing Management Regulations", "Iwu Rural Cooperative Bank Security and Security Work Implementation Measures", "Yiwu Rural Cooperative Bank Labor Contract System Implementation Rules", "Yiwu Rural Cooperative Bank Staff Appointment Management Measures" and other major management systems It will be reviewed and approved at the first general meeting of shareholders, the board of directors and the board of supervisors.
Developed a business policy and development plan. Yiwu Rural Cooperative Bank will adhere to the business philosophy of “market-oriented, customer-oriented, and efficiency-oriented”, adhere to the management policy of “quality first, steady development”, and further highlight the focus of credit support for agriculture. We will establish a community-based boutique bank with full-featured, high-performance, safe operation and high-quality services. The specific target is that by the end of the year, the total assets will reach 100 million yuan, the total liabilities will reach 100 million yuan, the deposit scale will reach 16 billion yuan, and the loan scale will reach about 11.5 billion yuan, and the profit will be 100 million yuan and 130 million yuan respectively. And 160 million yuan, non-performing loans are controlled within 2.0%, 1.8% and 1.5% respectively, and agricultural loans reached 650 million yuan, 800 million yuan and 945 million yuan respectively, accounting for 7.2%, 7.8% and 8.22% of loans respectively. . The management policy is in line with the spirit of the “Notice on Printing and Developing the Pilot Program for Deepening the Reform of Rural Credit Cooperatives”. The development plan is feasible, especially to fully guarantee the support of agriculture, and to “promote agricultural development, increase farmers' income, and build a well-off society in rural areas”. The purpose of the reform.
Third, the preparatory work for the establishment of the Yiwu Rural Cooperative Bank is mainly to pay attention to the leadership and departmental cooperation. Yiwu is the pilot pilot of the reform of rural credit cooperatives in the province. Leaders at all levels attach great importance to and care. The leaders of the China Banking Regulatory Commission, the provincial government and the provincial association visited Xiuwu for inspections and investigations, listened to the report on the reform work, put forward the time requirements for reform work, elaborated the reform work, and discussed the problems encountered in the reform. Difficult to conduct serious research and put forward solutions. The Jinhua Banking Supervision Bureau and the Jinhua Office of the Provincial Association have provided in-depth guidance and strong support for the preparatory work. The municipal party committee and the municipal government put the pilot work of rural credit cooperative reform on the important agenda. The main leaders of the municipal party committee and the municipal government have repeatedly listened to the report on the preparatory work and made detailed arrangements for the preparatory work. The NPC, the CPPCC and the Commission for Discipline Inspection also attached great importance to and support, ensuring the progress and quality of the preparatory work. The municipal finance, industry and commerce, urban construction, land management, taxation, human labor, auditing and other departments have given great attention and support to the establishment of the Yiwu Rural Cooperative Bank. They have actively guided the policy and provided a smooth basis for the preparatory work. Guarantee.
Active, rigorous and rigorous. In order to effectively grasp the reform principles and policies, and strictly establish the Yiwu Rural Cooperative Bank in accordance with the provisions of xx and the China Banking Regulatory Commission, the Yiwu Rural Cooperative Bank preparatory work group and office have held dozens of meetings, especially the capital increase and share expansion plan, the share fund raising plan and shareholders. On the basis of full preparation and overall consideration, the qualification certification plan was submitted to the municipal government executive meeting for research and decision, and reported to the National People's Congress and the government.
Strengthen publicity and create an environment. We will focus on the importance and necessity of the reform of rural credit cooperatives, as well as the contribution to local economic and social development, and gain understanding and support from all walks of life. The municipal government specially convened the Yiwu Rural Credit Cooperative Reform Work Conference, comprehensively deployed Yiwu's reform pilot work, and mobilized all levels and departments to support the reform of the rural credit cooperatives. Through publicity, all towns, streets, and departments have attached great importance to reform. The majority of former credit union members and customers have also understood and supported the reform, so that the business activities of credit unions can be carried out normally.
Fourth, the next stage of work arrangements:
First, actively prepare for the opening of the business. The collection, finishing and binding of the application materials for the opening of the business shall be submitted to the banking supervision and management institution before the date of the month. After the approval of the CBRC, with the new Financial Institutions Legal Person License, register with the industrial and commercial department and apply for a business license. The inaugural meeting was immediately convened and officially opened.
The second is to improve the institutional settings. According to the operation and management functions of Yiwu Rural Cooperative Bank, in accordance with the principle of “planning, rational distribution, and appropriate adjustment”, the branches will be properly reorganized to achieve the goal of ensuring full operation and promoting business development.
The third is to complete the appointment of senior executives and department heads as soon as possible. According to the senior management personnel approved by the China Banking Regulatory Commission, the board of directors shall handle the appointment procedures of senior management personnel and key department heads, and perform duties on duty. At the same time, personnel training will be strengthened to enable the directors, supervisors, senior management personnel and employees of the cooperative banks to adapt to the new environment and the new system as soon as possible.
The fourth is to strengthen risk control. In accordance with the principle of internal control first, the existing rules and regulations will be further revised and improved, and the risk prevention responsibility of the decision-making team and management team in operation will be clearly implemented, so that Yiwu Rural Cooperative Bank can better adapt to the new requirements of the new system and build modern finance. The company lays a solid foundation