Rural credit cooperative credit summary
First, the basic situation
In xxx years, the XX Rural Credit Cooperatives Association, in terms of credit work management, took the “reform year” proposed by the provincial association as the starting point, and the bill redemption work as the “first priority”, focusing on risk prevention and strengthening loan management. Clear loan responsibilities and actively engage in agricultural loans. Through the joint efforts of all employees, various credit management indicators have been successfully completed, the quality of credit assets has been significantly improved, and the credit operation efficiency has increased steadily. The total amount of loans achieved a new breakthrough. At the end of xxx, the balance of various loans was 10,000 yuan, an increase of 10,000 yuan from the beginning of the year, an increase of 17.6%, and an increase of 10,000 yuan over the same period of the previous year. Among them: the balance of agricultural loans × 10,000 yuan, an increase of 10,000 yuan over the beginning of the year, an increase of 12.68%, accounting for 63.96%; the balance of rural industrial and commercial loans × 10,000 yuan, an increase of × 0 million yuan from the beginning of the year, accounting for 26.26%; other loan balance × Ten thousand yuan, an increase of 10,000 yuan compared with the beginning of the year, accounting for 9.78%.
Loan interest income grew steadily. Loan interest income × 10,000 yuan, an increase of 10,000 yuan over the same period of the previous year, completed the annual interest-collection task × 10,000 yuan ×%.
II. Work Development Status of Agricultural Supporting Work ×× Rural Credit Cooperatives always adhere to the principle of agriculture, support the “three rural” as the responsibility, focus on supporting the adjustment of agricultural production structure, and vigorously support the construction of a new socialist countryside. With the support of credit union credit funds, XX's socialist new rural construction has achieved great results, and the three leading industries of farming, shed vegetables and grapes have flourished. The agricultural output value of xxx years was 10,000 yuan, a year-on-year increase of 10,000 yuan; the per capita income of farmers was 4,750 yuan, an increase of 133 yuan.
1. Support the production of spring ploughing.
At the beginning of the year, in order to grasp the first-hand information on this year's loans, we proceeded from the actual situation in the region, according to the deployment and arrangement of the XX Municipal Government in agriculture, and the spring farming production, industrial structure adjustment and high standard breeding in the towns and villages of XX City. The funds required for projects such as residential plots were investigated in detail in the demand for agricultural production funds in various townships and towns in XX City. In the total capital demand × 10,000 yuan, farmers self-raised to solve × 10,000 yuan, other financial institutions loans × 10,000 yuan, The credit union will provide a loan of 10,000 yuan to support it. Since the existing capital capacity of the association cannot meet the needs of farmers' production funds, the funding gap is up to 10,000 yuan. In order to solve the contradiction between supply and demand of agricultural production credit funds and ensure the smooth progress of spring farming, we actively communicate with the people's banks at the city and county levels and report to them. The demand for agricultural production funds has received strong support from the People's Bank of the city and county levels. This year, we won the XX City People's Bank to support the farmers to refinance × 10,000 yuan, fully meeting the needs of farmers' production funds. Accumulatively placed spring preparation and production loans × households, × 10,000 yuan, an increase of 1,521 households, × 10,000 yuan. Supporting planting area of 850,000 mu, an increase of 150,000 mu, including 400,000 mu of grain crops, 220,000 mu of vegetables, 49,000 mu of economic crops, and 181,000 mu of fruit.
2. Support facility agriculture.
Support the production of greenhouses.
Vigorously support the adjustment of agricultural industrial structure and support the development of facility agriculture. The area of shed vegetables in our city has reached 370,000 mu, accounting for 33% of the city's cultivated land, achieving four-season production, with an annual output value of 1.5 billion yuan, realizing enterprises and customers. "win-win".
Accumulatively invested 10,327 households and 10,000 yuan in greenhouse loans, an increase of 2015 households and 32.09 million yuan. Supporting 1.07 million buildings and 220,000 mu of greenhouses, including 2,530 new buildings and 3056 mu of new buildings. It supports 1.06 million sheds, 210,000 mu, 6810 sheds and 7,230 mu of sheds, and 3,190 economic crops and 2,770 mu of other sheds. Supporting 24 community facilities with an area of 49,000 mu. In the past few years, with the continuous expansion of the area of vegetable protection, the output of vegetables has increased from 1.1 million tons in XX to 1.4 million tons in xxx, the output value has reached 1.4 billion yuan, and the per capita income of peasants has increased by 1,500 yuan. At the same time, the internal benefits have also been improved simultaneously. Only one vegetable protection land loan is issued, which increases the interest income of the credit union by more than 10 million yuan. A shed of several thousand yuan and tens of thousands of yuan of income has enabled most of the peasants to live a prosperous life. At the same time, seeds, agricultural films, pesticides, fertilizers, bamboo, grass rafts, vegetable distribution, transportation, restaurants are derived from the greenhouse. , related industries such as hotels, constant temperature warehouses, polyethylene ropes, vegetable packaging cartons, etc. Liaoxi shed film distributor and distributor Chen X, mainly distributing agricultural film, fertilizer, and Daejeon seeds, has a large distribution scale, and has 3 branches, 30 sales outlets, annual sales of 10,000 yuan, and annual profit of 10,000 yuan. Yuan or so. In order to help Chen × such large agricultural resources dealers to expand their own industries, our company will provide loan support for them every year.
Support livestock and poultry farming.
All along, in combination with the development strategy of “Xiguodongcai, forestry and livestock coverage” in XX City, key investment loans have supported the development of aquaculture. A total of 7,118 households and 10,000 yuan of livestock and poultry farming loans were added, an increase of 2,334 households and 10,000 yuan. Among them, 2,847 live pig loans, ×10,000 yuan, supporting 300,000 pigs; 3,160 households with chicken loans, ×10,000 yuan, supporting chickens × 10,000. The loan of high-standard farming community is ¥10,000, and 15 high-standard breeding communities are supported. After the bird flu at the end of XX, actively cooperate with the party committees and governments at the central and local levels to resume the development strategy of the poultry industry, and conscientiously implement the spirit of the provincial party committee and the provincial government to restore poultry farming and build provincial-level standardized poultry community, based on rural credit in Liaoning Province. The agency's requirements for supporting poultry farming are to strengthen the support of credit funds and promote the development of poultry farming in XX City in a more scientific and standardized direction. Since XX, the loan for the restoration of poultry farming has been paid for 10,000 yuan, including: the cumulative loan of 10,000 yuan, which has supported the construction of 15 provincial-level high-standard breeding communities, which has promoted the development of the city's aquaculture industry and built 100,000 chickens. The above-mentioned 64 breeding communities have made tremendous changes and speed up the development of the poultry industry. In order to cooperate with the provincial government and relevant departments to develop a provincial-level high-standard breeding community policy, promote the development of rural poultry breeding industry in the direction of standardization, and reduce the loan conditions and simplify loan procedures for farmers entering the provincial high-standard breeding community. The promise of a series of preferential policies such as lowering the loan interest rate and extending the loan time can be guaranteed by the farmer's farmer's land and house, eliminating many complicated procedures, the loan interest rate is lowered by 10%, and the loan term is extended from one year to three years. In the early stage of the construction of the chicken house, the rural credit cooperatives signed a loan commitment letter with the farmers to give the farmers a reassurance. After more than a year of support and construction, XX's provincial-level standardized breeding community has achieved good economic benefits and played a role in demonstrating the role of the majority of farmers. For example, ××乡××村× egg breeder community loan of 2 million yuan, now there are 100,000 sets of egg breeders, with 33 state-of-the-art incubators, 5000 to 6000 chickens per day, up to 10,000 daily. . This year, the sales of chickens are very good. The average market price is 3 yuan/only, the monthly turnover is more than 500,000 yuan, and the monthly net profit is about 200,000 yuan. × × Town Dongjing Village × × broiler chicken community loan 2 million yuan, the existing broiler breeder 30,000 sets, breeding chicken hatching one-stop, about 200,000 chickens per month, the average price of 3 yuan / only, monthly sales of 60 Ten thousand yuan, net profit is about 10,000 yuan. Both households have fully repaid the loan. Driven by demonstrations in the breeding community, the XX poultry industry quickly revived after the bird flu, and exceeded the level before the bird flu, so that the city's poultry volume reached 40 million feathers, only one poultry industry, the city's income can reach 100 million. Yuan, the per capita income of farmers in the city has increased by more than 200 yuan, making XX truly a model county and a model county that will drive the development of poultry industry in the province.
3. Support the upgrading of rural industrialization.
Taking the leading enterprises of agricultural industrialization as the core, strengthen the support for large-scale agricultural enterprises, and find a breakthrough for the upgrading of agricultural industrialization and the construction of new socialist countryside. The amount of 4 households involved in the agriculture-related enterprises will be RMB × 10,000 yuan. The focus has been on the development of leading agricultural enterprises in the country, province and city, such as Wangfa Farming, Tiefeng Animal Husbandry, Yinjia Smoked Chicken, and Cuilong Fertilizer Industry. While promoting the rapid and healthy development of enterprises, it has promoted the further optimization of the XX agricultural industrial structure. Among them, Wangfa Farming has adopted the business model of the company plus farmers, which has driven more than 30,000 farmers in 15 towns and villages in the city to engage in green pig breeding. On average, each pig has an income of 200 yuan, which has led these farmers to embark on the road of getting rich, and to make × × pigs can be sold as green foods to the whole country, greatly improving the visibility of XX agricultural industrialization; Tiefeng animal husbandry and X smoked chicken also guide the farmers to develop aquaculture industry by the way of the company plus farmers. The development of the enterprise promoted the further improvement of the XX poultry breeding industrial chain, effectively promoted the development of the aquaculture industry, increased the income of poultry farming, and provided convenience for the majority of farmers. Among them, Tiefeng Animal Husbandry has built more than 30 high-standard broiler breeding ecological parks in more than 10 townships and towns in the city. The annual output of broiler chickens is 4.8 million. The broiler chickens are slaughtered and sold to all parts of the country and Japan and Southeast Asia. Farmers bring huge profits. Yinjia smoked chicken processing and selling 8,000 smoked chickens and pig's trotters, the annual sales income of 36 million yuan, greatly increasing the added value of agricultural and sideline products; Cuilong fertilizer industry is the city's largest pollution-free fertilizer production enterprise, its Development can provide high-quality fertilizer for the agricultural pillar industries such as shed vegetables and grapes in our city, which effectively promotes the development of these two leading industries. Through the demonstration and driving of these leading enterprises in agricultural industrialization, the agricultural industrialization of XX has developed rapidly, the income of farmers has increased steadily, and the construction of new socialist countryside has developed rapidly.
4. Support farmers' self-rescue and self-rescue situations.
From midnight on March 3 this year to 16:00 on March 4, the city suffered the biggest blizzard attack in more than 50 years. The blizzard gave the city direct economic losses × 100 million yuan. The most affected by the disaster was the facility agriculture vegetable greenhouse. The city destroyed 53,000 greenhouses, affected the area of 60,000 mu, and directly lost economic losses × 100 million yuan. In order to restore production to these affected farmers, the disaster losses will be minimized. While actively cooperating with the municipal government to fight disasters, we vigorously raised credit funds, timely distributed disaster relief loans, and helped the affected farmers to produce self-help. The creditors of the disaster-stricken township credit cooperatives inspected the list of affected households in the greenhouse, and checked with the list of affected households reported by the township and village government for investigation and registration, and finally confirmed the list of disaster relief loans. We have placed a total of 2045 households for disaster relief loans. Yuan, of which the provincial financial interest subsidy loans are 2,045 households and 10,000 yuan. In addition to the government subsidies, the credit unions provided a total of 10,000 yuan for the farmers, effectively supporting the self-rescue of the affected households.
5, support the case of entrepreneurship.
Accumulated a total of 273 small loans, 10,000 yuan, a year-on-year increase of 46 households, 3.21 million yuan, supporting 215 women to embark on the road to get rich.
××Tiefeng Animal Husbandry Co., Ltd. was established in 1999, the chairman of the board is ××, female, now 46 years old. After 8 years of hard work, ×× City×× Co., Ltd. has developed into a leading agricultural industrialization enterprise integrating feed production, processing, sales, livestock and poultry breeding, hatching, broiler slaughtering, segmentation processing and technology tracking services. In the past few years, the company has absorbed nearly 300 laid-off workers, which has greatly solved the problem of reemployment of laid-off workers in the city. At the same time, it has also grown stronger and stronger. The company has 50,000 sets of broiler breeders, and the hatchery has 20 sets of the most advanced high-tech modern incubator equipment in the country. It incubates and promotes 5 million chickens of good breeds every year, covering all towns and villages in the city and surrounding areas. The main feeding base of the industry. The company's feed mill has advanced feed production and processing equipment, with an annual production capacity of 200,000 tons. The main varieties produced include: 6 series of more than 20 kinds of high-quality feeds such as pig, chicken, duck, goose, cattle and sheep. User's welcome and trust. The sales department of xxx years × × Lianshe injected 4 million yuan into the working capital loan. By the end of xxx, the company sold more than 200,000 tons of feed, realized sales income of 10,000 yuan, realized profits - more than 10,000 yuan, and returned loans × 10,000 yuan at the end of xxx.
6. Carry out the construction of credit projects.
Actively promote the microcredit loans of farmers, the issuance of joint guarantee loans and the credit rating of farmers and the assessment of credit villages and households.
We insisted on improving services and improving the credit environment. With farmers as the main target, the issue of guarantee mortgage loans to farmers has been turned into small credit loans and joint guarantee loans to farmers. This year, farmers will be given small credit loans × 10,000 yuan. The loan is 640,000 yuan, and the general farmer's loan is ××10,000 yuan. The issuance of these loans effectively solved the shortage of farmers' production funds. According to the Interim Measures of the Rural Credit Cooperatives for the Management of Small Credit Loans of Rural Credit Cooperatives, combined with the actual situation in the region, the management methods for microcredit loans were further improved, and the economic files of farmers were generally established. According to the farmer's business projects and credit status, the amount of micro-credit loans has been increased from 3,000 yuan to 10,000 yuan. There were 36,743 rural households in the city who were supported by credit union loans, accounting for 28% of the total number of farmers. Up to now, a total of 3 credit towns and townships, 50 credit villages, and 16,074 credit users have been assessed. More than 6,620 rural households in the city have received support from credit unions for microcredit loans, effectively solving the problem of difficult loans for farmers.
The credit rating work has been completed, and the households with households that have a credit relationship with the credit union have been rated as × households. Among them: aaa grade × households, accounting for 18.04%; aa grade × households, accounting for 34.62%; a grade × households, accounting for 22.62%; bb grade 3844 households, accounting for 8.05%; b grade × households, accounting for 16.67 %. The credit rating effectively promotes the rural credit system, can avoid credit risks, and better serve the “three rural”.
Support local economic construction.
1. Support for SMEs.
We firmly grasp the market orientation of “market-oriented, based on agriculture, rural areas and farmers, and serve county economy”, and constantly adjust and optimize the credit structure to achieve stable and efficient development of credit business. A total of 112 SME loans were issued, with an increase of 15 households and 10,000 yuan, supporting 82 SMEs to grow and develop. After the city's SME financing bank-enterprise matchmaking meeting was held, we had a strong financial support for the signing contracting company XX Co., Ltd., and placed 3 loans, the amount of 10,000 yuan. The company is the object we have been supporting. The company was established in June XX, covering an area of about 34,000 square meters and a building area of 10,800 square meters. The company's total assets are 10,000 yuan, 80 employees, and 60 sets of various equipment. The technology has reached the domestic advanced level, mainly producing steel structural components and color steel plates. At present, the production capacity has reached full capacity, but it still can not meet the needs of customers. By the end of December, the sales revenue will be 10,000 yuan, and the profit will be 10,000 yuan. Tax × 10,000 yuan. The enterprise further stimulated the development of the local economy and increased the local fiscal revenue. The recycling of steel structure can greatly reduce energy consumption, conform to the national industrial policy, make up for the regional industry gap, and the enterprise benefits and social benefits are very significant.
2. Support for individual industrial and commercial households and urban natural persons.
Accumulatively placed 70 individual industrial and commercial household loans, × 10,000 yuan, an increase of 59 households, × 10,000 yuan; 225 urban natural person loans, × 10,000 yuan, an increase of 42 households, × 10,000 yuan.
Strengthen credit management
1. New loan management.
We have strengthened the management of new loans, effectively prevented the risk of new loans, ensured the quality of new loans, and achieved effective growth of loans. In June, at the same time as the provincial self-inspection of imposter loans, we inspected our new loans and found that problems were dealt with and rectified in a timely manner. Seriously implement the "format" and "operational" inspections proposed by the Provincial Association, standardize the loan procedures, and reduce the risk of loans. This year's new maturity loans were piled up × 50,000 yuan, and the accumulated revenue was 10,000 yuan, and the recovery rate reached 95%.
2. The five-level classification management of credit assets.
Establish a prudent management, risk-based management philosophy. The five-category classification of credit asset risk is included in the daily management as a regular work, and adheres to the principle of “classification by season and monthly adjustment” to reflect the quality of credit assets in a true, comprehensive and dynamic manner. According to the five-level classification system of credit asset risk and related business data, the five-level classification report will be reported, and the total number of credit assets will be consistent with the accounting subject and submitted to the municipal office. Establish a non-performing loan migration change analysis and reporting system, and carefully analyze the changes in the five-category migration on a monthly basis, especially the specific analysis of the changes in non-performing loan migration. Strengthen responsibility and punishment, take timely measures to clear and convert, and improve the level of operation and management. The balance of various loans at the end of the year is 10,000 yuan, according to the five-category statistics, the normal category × 10,000 yuan, accounting for 35.32%; the concern category × 10,000 yuan, accounting for 3.59%; the secondary category × 10,000 yuan, accounting for 8.49%; suspicious Class × 10,000 yuan, accounting for 49.29%; loss category × 10,000 yuan, accounting for 3.31%, non-performing rate ×%.
Third, there are problems Although we have achieved certain results in our work, there are still some problems and deficiencies, mainly in the following aspects:
1. The efficiency of the People's Bank of China to support agricultural refinancing needs to be improved, and it should meet the production and living needs of the majority of farmers.
2, credit asset risk five-level classification customer information collection is not perfect, especially the company's financial statements.
3. The personal credit information system needs to be improved. Due to the concentrated time of entry and the large amount of business, some information is inaccurate.
We take measures against the above problems
1. Standardize the management of agricultural re-loan, use the funds to support agriculture and re-loan, so that it can truly serve the “three rural issues”;
2. Increase customer information collection efforts and do our utmost to improve customer information.
3. The data of the personal credit information system should be checked one by one, and the wrong information should be properly handled to make the system truly become our credit resource.
Fourth, next year's work concept is centered on the business philosophy of "same life with customers and win-win with the three rural areas", improve the credit support services and service efficiency of rural credit cooperatives, better support the construction of new socialist countryside, and make rural credit cooperatives The credit business operation and the "three rural" mutual promotion, coordinated development and common progress.
1. Do a good job in credit support for agriculture. Further improve the microcredit loans of farmers and the mode of loans for farmers to make loans, which will become a powerful means of serving the “three rural”; gradually establish a complete credit file of farmers, provide a basis for the credit rating of farmers and effectively control credit risks; continue to create credit villages, Credit township. In XX, the project created 3 credit towns, 20-30 credit villages, and XX-3000 households.
2. Better use of personal credit and corporate credit system resources for our loan placement and management services.
3. Continue to carry out the five-level classification of credit asset risk, and fully prepare for the full implementation of the five-level classification of credit asset risk by the city's credit cooperatives on January 1st, XX.
4. Standardize and improve credit management, take reform as an opportunity, formulate strict operational procedures, and resolutely put an end to the problem of increasing credit assets before and after clearing credits. Strengthen the management of new loans, complete the reform objectives, ensure the completion of the indicators of the bill payment period, and lay a solid foundation for the development and growth of credit unions.
In xxx years, the XX Rural Credit Cooperatives Association, in terms of credit work management, took the “reform year” proposed by the provincial association as the starting point, and the bill redemption work as the “first priority”, focusing on risk prevention and strengthening loan management. Clear loan responsibilities and actively engage in agricultural loans. Through the joint efforts of all employees, various credit management indicators have been successfully completed, the quality of credit assets has been significantly improved, and the credit operation efficiency has increased steadily. The total amount of loans achieved a new breakthrough. At the end of xxx, the balance of various loans was 10,000 yuan, an increase of 10,000 yuan from the beginning of the year, an increase of 17.6%, and an increase of 10,000 yuan over the same period of the previous year. Among them: the balance of agricultural loans × 10,000 yuan, an increase of 10,000 yuan over the beginning of the year, an increase of 12.68%, accounting for 63.96%; the balance of rural industrial and commercial loans × 10,000 yuan, an increase of × 0 million yuan from the beginning of the year, accounting for 26.26%; other loan balance × Ten thousand yuan, an increase of 10,000 yuan compared with the beginning of the year, accounting for 9.78%.
Loan interest income grew steadily. Loan interest income × 10,000 yuan, an increase of 10,000 yuan over the same period of the previous year, completed the annual interest-collection task × 10,000 yuan ×%.
II. Work Development Status of Agricultural Supporting Work ×× Rural Credit Cooperatives always adhere to the principle of agriculture, support the “three rural” as the responsibility, focus on supporting the adjustment of agricultural production structure, and vigorously support the construction of a new socialist countryside. With the support of credit union credit funds, XX's socialist new rural construction has achieved great results, and the three leading industries of farming, shed vegetables and grapes have flourished. The agricultural output value of xxx years was 10,000 yuan, a year-on-year increase of 10,000 yuan; the per capita income of farmers was 4,750 yuan, an increase of 133 yuan.
1. Support the production of spring ploughing.
At the beginning of the year, in order to grasp the first-hand information on this year's loans, we proceeded from the actual situation in the region, according to the deployment and arrangement of the XX Municipal Government in agriculture, and the spring farming production, industrial structure adjustment and high standard breeding in the towns and villages of XX City. The funds required for projects such as residential plots were investigated in detail in the demand for agricultural production funds in various townships and towns in XX City. In the total capital demand × 10,000 yuan, farmers self-raised to solve × 10,000 yuan, other financial institutions loans × 10,000 yuan, The credit union will provide a loan of 10,000 yuan to support it. Since the existing capital capacity of the association cannot meet the needs of farmers' production funds, the funding gap is up to 10,000 yuan. In order to solve the contradiction between supply and demand of agricultural production credit funds and ensure the smooth progress of spring farming, we actively communicate with the people's banks at the city and county levels and report to them. The demand for agricultural production funds has received strong support from the People's Bank of the city and county levels. This year, we won the XX City People's Bank to support the farmers to refinance × 10,000 yuan, fully meeting the needs of farmers' production funds. Accumulatively placed spring preparation and production loans × households, × 10,000 yuan, an increase of 1,521 households, × 10,000 yuan. Supporting planting area of 850,000 mu, an increase of 150,000 mu, including 400,000 mu of grain crops, 220,000 mu of vegetables, 49,000 mu of economic crops, and 181,000 mu of fruit.
2. Support facility agriculture.
Support the production of greenhouses.
Vigorously support the adjustment of agricultural industrial structure and support the development of facility agriculture. The area of shed vegetables in our city has reached 370,000 mu, accounting for 33% of the city's cultivated land, achieving four-season production, with an annual output value of 1.5 billion yuan, realizing enterprises and customers. "win-win".
Accumulatively invested 10,327 households and 10,000 yuan in greenhouse loans, an increase of 2015 households and 32.09 million yuan. Supporting 1.07 million buildings and 220,000 mu of greenhouses, including 2,530 new buildings and 3056 mu of new buildings. It supports 1.06 million sheds, 210,000 mu, 6810 sheds and 7,230 mu of sheds, and 3,190 economic crops and 2,770 mu of other sheds. Supporting 24 community facilities with an area of 49,000 mu. In the past few years, with the continuous expansion of the area of vegetable protection, the output of vegetables has increased from 1.1 million tons in XX to 1.4 million tons in xxx, the output value has reached 1.4 billion yuan, and the per capita income of peasants has increased by 1,500 yuan. At the same time, the internal benefits have also been improved simultaneously. Only one vegetable protection land loan is issued, which increases the interest income of the credit union by more than 10 million yuan. A shed of several thousand yuan and tens of thousands of yuan of income has enabled most of the peasants to live a prosperous life. At the same time, seeds, agricultural films, pesticides, fertilizers, bamboo, grass rafts, vegetable distribution, transportation, restaurants are derived from the greenhouse. , related industries such as hotels, constant temperature warehouses, polyethylene ropes, vegetable packaging cartons, etc. Liaoxi shed film distributor and distributor Chen X, mainly distributing agricultural film, fertilizer, and Daejeon seeds, has a large distribution scale, and has 3 branches, 30 sales outlets, annual sales of 10,000 yuan, and annual profit of 10,000 yuan. Yuan or so. In order to help Chen × such large agricultural resources dealers to expand their own industries, our company will provide loan support for them every year.
Support livestock and poultry farming.
All along, in combination with the development strategy of “Xiguodongcai, forestry and livestock coverage” in XX City, key investment loans have supported the development of aquaculture. A total of 7,118 households and 10,000 yuan of livestock and poultry farming loans were added, an increase of 2,334 households and 10,000 yuan. Among them, 2,847 live pig loans, ×10,000 yuan, supporting 300,000 pigs; 3,160 households with chicken loans, ×10,000 yuan, supporting chickens × 10,000. The loan of high-standard farming community is ¥10,000, and 15 high-standard breeding communities are supported. After the bird flu at the end of XX, actively cooperate with the party committees and governments at the central and local levels to resume the development strategy of the poultry industry, and conscientiously implement the spirit of the provincial party committee and the provincial government to restore poultry farming and build provincial-level standardized poultry community, based on rural credit in Liaoning Province. The agency's requirements for supporting poultry farming are to strengthen the support of credit funds and promote the development of poultry farming in XX City in a more scientific and standardized direction. Since XX, the loan for the restoration of poultry farming has been paid for 10,000 yuan, including: the cumulative loan of 10,000 yuan, which has supported the construction of 15 provincial-level high-standard breeding communities, which has promoted the development of the city's aquaculture industry and built 100,000 chickens. The above-mentioned 64 breeding communities have made tremendous changes and speed up the development of the poultry industry. In order to cooperate with the provincial government and relevant departments to develop a provincial-level high-standard breeding community policy, promote the development of rural poultry breeding industry in the direction of standardization, and reduce the loan conditions and simplify loan procedures for farmers entering the provincial high-standard breeding community. The promise of a series of preferential policies such as lowering the loan interest rate and extending the loan time can be guaranteed by the farmer's farmer's land and house, eliminating many complicated procedures, the loan interest rate is lowered by 10%, and the loan term is extended from one year to three years. In the early stage of the construction of the chicken house, the rural credit cooperatives signed a loan commitment letter with the farmers to give the farmers a reassurance. After more than a year of support and construction, XX's provincial-level standardized breeding community has achieved good economic benefits and played a role in demonstrating the role of the majority of farmers. For example, ××乡××村× egg breeder community loan of 2 million yuan, now there are 100,000 sets of egg breeders, with 33 state-of-the-art incubators, 5000 to 6000 chickens per day, up to 10,000 daily. . This year, the sales of chickens are very good. The average market price is 3 yuan/only, the monthly turnover is more than 500,000 yuan, and the monthly net profit is about 200,000 yuan. × × Town Dongjing Village × × broiler chicken community loan 2 million yuan, the existing broiler breeder 30,000 sets, breeding chicken hatching one-stop, about 200,000 chickens per month, the average price of 3 yuan / only, monthly sales of 60 Ten thousand yuan, net profit is about 10,000 yuan. Both households have fully repaid the loan. Driven by demonstrations in the breeding community, the XX poultry industry quickly revived after the bird flu, and exceeded the level before the bird flu, so that the city's poultry volume reached 40 million feathers, only one poultry industry, the city's income can reach 100 million. Yuan, the per capita income of farmers in the city has increased by more than 200 yuan, making XX truly a model county and a model county that will drive the development of poultry industry in the province.
3. Support the upgrading of rural industrialization.
Taking the leading enterprises of agricultural industrialization as the core, strengthen the support for large-scale agricultural enterprises, and find a breakthrough for the upgrading of agricultural industrialization and the construction of new socialist countryside. The amount of 4 households involved in the agriculture-related enterprises will be RMB × 10,000 yuan. The focus has been on the development of leading agricultural enterprises in the country, province and city, such as Wangfa Farming, Tiefeng Animal Husbandry, Yinjia Smoked Chicken, and Cuilong Fertilizer Industry. While promoting the rapid and healthy development of enterprises, it has promoted the further optimization of the XX agricultural industrial structure. Among them, Wangfa Farming has adopted the business model of the company plus farmers, which has driven more than 30,000 farmers in 15 towns and villages in the city to engage in green pig breeding. On average, each pig has an income of 200 yuan, which has led these farmers to embark on the road of getting rich, and to make × × pigs can be sold as green foods to the whole country, greatly improving the visibility of XX agricultural industrialization; Tiefeng animal husbandry and X smoked chicken also guide the farmers to develop aquaculture industry by the way of the company plus farmers. The development of the enterprise promoted the further improvement of the XX poultry breeding industrial chain, effectively promoted the development of the aquaculture industry, increased the income of poultry farming, and provided convenience for the majority of farmers. Among them, Tiefeng Animal Husbandry has built more than 30 high-standard broiler breeding ecological parks in more than 10 townships and towns in the city. The annual output of broiler chickens is 4.8 million. The broiler chickens are slaughtered and sold to all parts of the country and Japan and Southeast Asia. Farmers bring huge profits. Yinjia smoked chicken processing and selling 8,000 smoked chickens and pig's trotters, the annual sales income of 36 million yuan, greatly increasing the added value of agricultural and sideline products; Cuilong fertilizer industry is the city's largest pollution-free fertilizer production enterprise, its Development can provide high-quality fertilizer for the agricultural pillar industries such as shed vegetables and grapes in our city, which effectively promotes the development of these two leading industries. Through the demonstration and driving of these leading enterprises in agricultural industrialization, the agricultural industrialization of XX has developed rapidly, the income of farmers has increased steadily, and the construction of new socialist countryside has developed rapidly.
4. Support farmers' self-rescue and self-rescue situations.
From midnight on March 3 this year to 16:00 on March 4, the city suffered the biggest blizzard attack in more than 50 years. The blizzard gave the city direct economic losses × 100 million yuan. The most affected by the disaster was the facility agriculture vegetable greenhouse. The city destroyed 53,000 greenhouses, affected the area of 60,000 mu, and directly lost economic losses × 100 million yuan. In order to restore production to these affected farmers, the disaster losses will be minimized. While actively cooperating with the municipal government to fight disasters, we vigorously raised credit funds, timely distributed disaster relief loans, and helped the affected farmers to produce self-help. The creditors of the disaster-stricken township credit cooperatives inspected the list of affected households in the greenhouse, and checked with the list of affected households reported by the township and village government for investigation and registration, and finally confirmed the list of disaster relief loans. We have placed a total of 2045 households for disaster relief loans. Yuan, of which the provincial financial interest subsidy loans are 2,045 households and 10,000 yuan. In addition to the government subsidies, the credit unions provided a total of 10,000 yuan for the farmers, effectively supporting the self-rescue of the affected households.
5, support the case of entrepreneurship.
Accumulated a total of 273 small loans, 10,000 yuan, a year-on-year increase of 46 households, 3.21 million yuan, supporting 215 women to embark on the road to get rich.
××Tiefeng Animal Husbandry Co., Ltd. was established in 1999, the chairman of the board is ××, female, now 46 years old. After 8 years of hard work, ×× City×× Co., Ltd. has developed into a leading agricultural industrialization enterprise integrating feed production, processing, sales, livestock and poultry breeding, hatching, broiler slaughtering, segmentation processing and technology tracking services. In the past few years, the company has absorbed nearly 300 laid-off workers, which has greatly solved the problem of reemployment of laid-off workers in the city. At the same time, it has also grown stronger and stronger. The company has 50,000 sets of broiler breeders, and the hatchery has 20 sets of the most advanced high-tech modern incubator equipment in the country. It incubates and promotes 5 million chickens of good breeds every year, covering all towns and villages in the city and surrounding areas. The main feeding base of the industry. The company's feed mill has advanced feed production and processing equipment, with an annual production capacity of 200,000 tons. The main varieties produced include: 6 series of more than 20 kinds of high-quality feeds such as pig, chicken, duck, goose, cattle and sheep. User's welcome and trust. The sales department of xxx years × × Lianshe injected 4 million yuan into the working capital loan. By the end of xxx, the company sold more than 200,000 tons of feed, realized sales income of 10,000 yuan, realized profits - more than 10,000 yuan, and returned loans × 10,000 yuan at the end of xxx.
6. Carry out the construction of credit projects.
Actively promote the microcredit loans of farmers, the issuance of joint guarantee loans and the credit rating of farmers and the assessment of credit villages and households.
We insisted on improving services and improving the credit environment. With farmers as the main target, the issue of guarantee mortgage loans to farmers has been turned into small credit loans and joint guarantee loans to farmers. This year, farmers will be given small credit loans × 10,000 yuan. The loan is 640,000 yuan, and the general farmer's loan is ××10,000 yuan. The issuance of these loans effectively solved the shortage of farmers' production funds. According to the Interim Measures of the Rural Credit Cooperatives for the Management of Small Credit Loans of Rural Credit Cooperatives, combined with the actual situation in the region, the management methods for microcredit loans were further improved, and the economic files of farmers were generally established. According to the farmer's business projects and credit status, the amount of micro-credit loans has been increased from 3,000 yuan to 10,000 yuan. There were 36,743 rural households in the city who were supported by credit union loans, accounting for 28% of the total number of farmers. Up to now, a total of 3 credit towns and townships, 50 credit villages, and 16,074 credit users have been assessed. More than 6,620 rural households in the city have received support from credit unions for microcredit loans, effectively solving the problem of difficult loans for farmers.
The credit rating work has been completed, and the households with households that have a credit relationship with the credit union have been rated as × households. Among them: aaa grade × households, accounting for 18.04%; aa grade × households, accounting for 34.62%; a grade × households, accounting for 22.62%; bb grade 3844 households, accounting for 8.05%; b grade × households, accounting for 16.67 %. The credit rating effectively promotes the rural credit system, can avoid credit risks, and better serve the “three rural”.
Support local economic construction.
1. Support for SMEs.
We firmly grasp the market orientation of “market-oriented, based on agriculture, rural areas and farmers, and serve county economy”, and constantly adjust and optimize the credit structure to achieve stable and efficient development of credit business. A total of 112 SME loans were issued, with an increase of 15 households and 10,000 yuan, supporting 82 SMEs to grow and develop. After the city's SME financing bank-enterprise matchmaking meeting was held, we had a strong financial support for the signing contracting company XX Co., Ltd., and placed 3 loans, the amount of 10,000 yuan. The company is the object we have been supporting. The company was established in June XX, covering an area of about 34,000 square meters and a building area of 10,800 square meters. The company's total assets are 10,000 yuan, 80 employees, and 60 sets of various equipment. The technology has reached the domestic advanced level, mainly producing steel structural components and color steel plates. At present, the production capacity has reached full capacity, but it still can not meet the needs of customers. By the end of December, the sales revenue will be 10,000 yuan, and the profit will be 10,000 yuan. Tax × 10,000 yuan. The enterprise further stimulated the development of the local economy and increased the local fiscal revenue. The recycling of steel structure can greatly reduce energy consumption, conform to the national industrial policy, make up for the regional industry gap, and the enterprise benefits and social benefits are very significant.
2. Support for individual industrial and commercial households and urban natural persons.
Accumulatively placed 70 individual industrial and commercial household loans, × 10,000 yuan, an increase of 59 households, × 10,000 yuan; 225 urban natural person loans, × 10,000 yuan, an increase of 42 households, × 10,000 yuan.
Strengthen credit management
1. New loan management.
We have strengthened the management of new loans, effectively prevented the risk of new loans, ensured the quality of new loans, and achieved effective growth of loans. In June, at the same time as the provincial self-inspection of imposter loans, we inspected our new loans and found that problems were dealt with and rectified in a timely manner. Seriously implement the "format" and "operational" inspections proposed by the Provincial Association, standardize the loan procedures, and reduce the risk of loans. This year's new maturity loans were piled up × 50,000 yuan, and the accumulated revenue was 10,000 yuan, and the recovery rate reached 95%.
2. The five-level classification management of credit assets.
Establish a prudent management, risk-based management philosophy. The five-category classification of credit asset risk is included in the daily management as a regular work, and adheres to the principle of “classification by season and monthly adjustment” to reflect the quality of credit assets in a true, comprehensive and dynamic manner. According to the five-level classification system of credit asset risk and related business data, the five-level classification report will be reported, and the total number of credit assets will be consistent with the accounting subject and submitted to the municipal office. Establish a non-performing loan migration change analysis and reporting system, and carefully analyze the changes in the five-category migration on a monthly basis, especially the specific analysis of the changes in non-performing loan migration. Strengthen responsibility and punishment, take timely measures to clear and convert, and improve the level of operation and management. The balance of various loans at the end of the year is 10,000 yuan, according to the five-category statistics, the normal category × 10,000 yuan, accounting for 35.32%; the concern category × 10,000 yuan, accounting for 3.59%; the secondary category × 10,000 yuan, accounting for 8.49%; suspicious Class × 10,000 yuan, accounting for 49.29%; loss category × 10,000 yuan, accounting for 3.31%, non-performing rate ×%.
Third, there are problems Although we have achieved certain results in our work, there are still some problems and deficiencies, mainly in the following aspects:
1. The efficiency of the People's Bank of China to support agricultural refinancing needs to be improved, and it should meet the production and living needs of the majority of farmers.
2, credit asset risk five-level classification customer information collection is not perfect, especially the company's financial statements.
3. The personal credit information system needs to be improved. Due to the concentrated time of entry and the large amount of business, some information is inaccurate.
We take measures against the above problems
1. Standardize the management of agricultural re-loan, use the funds to support agriculture and re-loan, so that it can truly serve the “three rural issues”;
2. Increase customer information collection efforts and do our utmost to improve customer information.
3. The data of the personal credit information system should be checked one by one, and the wrong information should be properly handled to make the system truly become our credit resource.
Fourth, next year's work concept is centered on the business philosophy of "same life with customers and win-win with the three rural areas", improve the credit support services and service efficiency of rural credit cooperatives, better support the construction of new socialist countryside, and make rural credit cooperatives The credit business operation and the "three rural" mutual promotion, coordinated development and common progress.
1. Do a good job in credit support for agriculture. Further improve the microcredit loans of farmers and the mode of loans for farmers to make loans, which will become a powerful means of serving the “three rural”; gradually establish a complete credit file of farmers, provide a basis for the credit rating of farmers and effectively control credit risks; continue to create credit villages, Credit township. In XX, the project created 3 credit towns, 20-30 credit villages, and XX-3000 households.
2. Better use of personal credit and corporate credit system resources for our loan placement and management services.
3. Continue to carry out the five-level classification of credit asset risk, and fully prepare for the full implementation of the five-level classification of credit asset risk by the city's credit cooperatives on January 1st, XX.
4. Standardize and improve credit management, take reform as an opportunity, formulate strict operational procedures, and resolutely put an end to the problem of increasing credit assets before and after clearing credits. Strengthen the management of new loans, complete the reform objectives, ensure the completion of the indicators of the bill payment period, and lay a solid foundation for the development and growth of credit unions.
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