The development history of rural credit cooperatives in Yunnan Province

On March 28, 2005, the Yunnan Rural Credit Cooperatives Federation (hereinafter referred to as the Provincial Federation) was officially established, opening a new era of reform and development of rural credit cooperatives in Yunnan Province. Since the establishment of Yiliang Penglai Rural Credit Cooperative, the first rural credit cooperative in our province, in November 1952, rural credit cooperatives in Yunnan Province have gone through 60 years of ups and downs. On March 28, 2005, the Yunnan Rural Credit Cooperatives Federation was established. Under the correct leadership of the Provincial Party Committee and the Provincial Government, and with the care and support of various relevant departments, Yunnan Rural Credit Cooperatives implements the Scientific Outlook on Development and insists on serving " With the purpose of "Three Rural Areas", we practice the service concept of "honest service, win-win cooperation", and always carry forward the spirit of hard work, courage to be the first and the courage of Xinhe people to develop from a smaller and weaker "grassroots finance" to a Among the Yunnan banking industry, it is a financial institution with the widest distribution of branches, the largest scale of deposits and loans, and the strongest service function in supporting agriculture. In the process of achieving leapfrog development, the province's rural credit cooperatives have played an important financial support role in the province's economic and social development by serving "agriculture, rural areas and farmers", supporting small, medium and micro enterprises and major livelihood projects. Effective credit investment supports the rapid economic and social development. The province's rural credit cooperatives have always adhered to the market positioning of "based on 'agriculture, rural areas and farmers', serving urban and rural areas, supporting small and medium-sized enterprises, and promoting the healthy development of local economy and society", accurately grasping macro-control policies, and closely following the economic development of the provincial party committee and the provincial government and the "Three Rural Credit Unions". We will continue to adjust the credit structure and investment direction according to the decision-making and deployment of "agriculture" development, and increase credit investment in "agriculture, rural areas and farmers", the real economy, people's livelihood projects and employment promotion, ensuring that our province's drought relief emergency water source project construction and agricultural industrialization leading enterprises , immigration resettlement, urbanization, industrial support and the demand for credit funds for provincial key projects and projects, which has injected strong impetus into the economic and social development of our province. As of the end of December 2012, the balance of deposits of rural credit cooperatives in the province was 395.82 billion yuan, a net increase of 79.13 billion yuan from the beginning of the year; the balance of various loans was 231.51 billion yuan, a net increase of 36.86 billion yuan from the beginning of the year. The stock and increase of deposits and loans were stable. Ranking first among financial institutions in the province; paying 2.917 billion yuan in taxes, its contribution to Yunnan’s economic development continues to increase. The scientific incentive mechanism mobilizes the enthusiasm of cadres and employees. The province's rural credit cooperatives have always regarded organizational deposits as the top priority in business development, firmly established the concept of "everyone is responsible for management, and everyone is responsible for marketing", established a sound and effective incentive mechanism, implemented performance-linking, and fully mobilized all employees for marketing of positivity. Rural credit cooperatives in various regions have given full play to their advantages in geographical location and popularity and connecting urban and rural areas with their outlets, and have vigorously promoted and promoted the products and services of rural credit cooperatives through the activities of "Visiting thousands of households, visiting tens of thousands of households, delivering services, and helping 'agriculture, rural areas and farmers'". Enhance communication and cooperation with customers, extensively search for deposit sources, expand deposit-absorbing channels, and tap deposit growth potential. Innovative financial products meet the service needs of different customers. Rural credit cooperatives across the province actively innovate financial service products and give full play to the advantages of microfinance, launching forest rights mortgage loans, drought relief emergency water conservancy construction loans, "loan exemption and subsidy" small loans for starting a business, small loans for farmers to build houses, More than 30 new businesses and new products, including enterprise operating property mortgage loans and small business joint guarantee loans, have greatly met the diversified financial service needs of customers such as "agriculture, rural areas and farmers" and small, medium and micro enterprises. Advanced scientific and technological guidance has improved the service level of rural credit cooperatives. The Provincial Cooperative attaches great importance to the construction of scientific and technological informatization, establishes the concept of "science and technology leads the society", mobilizes the power of rural credit cooperatives in the province, increases investment in science and technology from all aspects of human, financial, material, policy and other aspects, and builds the "Jinnong Network" project , to promote the electronic, diversified and modernized financial services of rural credit cooperatives. A comprehensive business system has been built, and the modern payment system of the People's Bank of China, the UnionPay system and the national rural credit bank fund clearing system have been added to realize the instant arrival of inter-provincial and inter-bank fund transfers. The Jinbi Card was issued, realizing "one card in hand, you can go anywhere in China"; it opened 96500 telephone banking, online banking, and mobile banking, and accelerated the promotion of ATM machines, POS machines, self-service police kiosks, and Huinong payment services Self-service channels such as online shopping malls allow customers with various resources to obtain modern financial services anytime and anywhere. As of the end of December 2012, the province's rural credit cooperatives had issued 13.6 million bank cards, with 37 intermediary business types, nearly 500 self-service banks, nearly 2,900 self-service equipment, 20,000 POS machines, and Huinong payment services. Click 7256 homes. Strong social responsibility has established a good image of rural credit cooperatives. Over the years, rural credit cooperatives across the province have actively participated in various social welfare activities, carried out poverty alleviation and provided warmth to the needy, and donated more than 2 million yuan to road construction, bridge construction, student aid, and post-disaster reconstruction in poverty-stricken areas, and have fulfilled their responsibilities well. Social responsibility reflects the strong social responsibility of rural credit cooperatives and establishes a good social image. In 2012, the Provincial Associated Press also donated 2.5 million yuan for the construction of a "Love Water Kiln" to help improve the drinking water problem of people in remote mountainous areas. Because of its long-term commitment to social welfare undertakings, the Rural Credit Cooperative was awarded the "Best Social Responsibility Award" by the Yunnan Financial Expo.

In 2013, the province's rural credit cooperatives were guided by the Scientific Outlook on Development and focused on the strategic goals of the Provincial Party Committee and the Provincial Government to "quadruple, triple, promote leapfrog, and strive for a well-off society", with the deposit exceeding 400 billion yuan as a new starting point. , fully implement the "Eight Persistences" social governance strategy, and thoroughly implement the "8761" development strategy (by the end of 2017, deposits will reach 200 billion yuan, loans will reach 600 billion yuan, profits will reach 10 billion yuan, and taxes will reach 7 billion yuan), and strive to Overcome difficulties, actively innovate financial products and services, continue to increase credit investment in "agriculture, rural areas and farmers", small and medium-sized enterprises, key project construction and major people's livelihood projects, and make greater contributions to building a moderately prosperous society in an all-round way.