Brief introduction of Shandong Shouguang rural commercial bank

In Shouguang, a beautiful and rich vegetable town, a dazzling financial miracle is blooming. She is the rapidly rising Shouguang Rural Commercial Bank. Over the years, under the correct leadership of the provincial and municipal rural credit cooperatives and the supervision and guidance of the People's Bank of China and the regulatory authorities, the bank has always adhered to the business philosophy of "steady operation and steady development", strengthened management, deepened reform, made great efforts to start a business, and gradually developed into a modern financial enterprise with flexible mechanism, standardized management, first-class service and outstanding reputation, and supported the development of "China Vegetable Town" with strong financial strength. The flourishing Shouguang

Shouguang is the contact point of General Secretary Hu Jintao's educational activities to maintain the advanced nature of party member. In recent years, under the correct leadership of the provincial party committee and the provincial government, the whole city has vigorously developed vegetable production, becoming the largest vegetable production base in China and known as "the hometown of vegetables in China". At present, 9, mu of pollution-free vegetable base, 55, mu of winter warm vegetable greenhouse, and more than 1, mu of pepper, 1, mu of leek and 1, mu of celery vegetable production bases have been formed.

economy determines finance, and finance promotes economy. In the ascendant economic trend, Shouguang Rural Commercial Bank firmly established the market orientation of "facing agriculture, rural areas and farmers, facing urban communities, facing small and medium-sized enterprises and facing county economy". While supporting the city's full-speed economic development, it also entered the fast lane of sustained, healthy and rapid development, and was successively awarded "China Banking Civilized and Standardized Service Demonstration Unit", "Provincial Civilized Unit", "Good Bank" and "Advanced Unit Supporting Small Enterprises". On December 18, 27, Jiang Dingzhi, Vice Chairman of China Banking Regulatory Commission, made a special trip to the bank to inspect and support the construction of new countryside. On November 3, 28, Chairman Liu Mingkang of China Banking Regulatory Commission went to Shouguang for a special investigation. Leaders at all levels fully affirmed and spoke highly of Shouguang Rural Commercial Bank's daring to innovate in finance, promoting the "golden bond" credit mutual aid loan in rural areas and supporting agricultural professional cooperatives and small and medium-sized enterprises. Pioneering, innovating and building harmony

Shouguang Rural Commercial Bank, as the main force supporting agriculture, has granted loans of 9, yuan to support Wang Leyi, secretary of the Party branch of Sanyuanzhu Village, to lead 17 party member cadres to create 17 vegetable greenhouses, which triggered the "green revolution" of vegetables in the country. Up to now, it has granted loans of 26 billion yuan to support the development and upgrading of vegetable industry, and supported the upgrading of winter-warm vegetable greenhouses to the fifth generation, thus building more than 2 transportation specialized households and more than 1 specialized villages. In order to further improve the rural credit environment and fundamentally solve the problem of farmers' difficulty in loan and guarantee, Shouguang Rural Commercial Bank has made great efforts to promote the construction of rural credit projects, constantly improve the rural credit network, and vigorously promote the construction of a marketing network for supporting agriculture with the evaluation of credit villages and households as the main content, and focusing on the implementation of loan certificates, loans over the counter and small-scale agricultural loan process reengineering. At present, there are 944 credit villages in the city, accounting for 93.65% of the administrative villages; There were 59,556 credit users, accounting for 35.2% of the city's farmers, and the counter issued loans of 1.77 billion yuan. While increasing farmers' income, the bank also launched the first farmer's housing loan in the province, giving 5,-3, yuan of credit support to farmers who meet the rural land use policy and the planning of villages and market towns. At present, it has issued 221 farmer's housing loans with a total amount of 63 million yuan, supporting the reconstruction and expansion of more than 2 new buildings and villages.

with the gradual improvement of the scale, intensification, specialization and industrialization of rural economy, the scale and duration of farmers' demand for production and operation funds have changed greatly. Under the specific guidance of provincial and municipal associations, in April 27, the "2+1" and "Golden Link" credit mutual aid association composed of banks, village committees and farmers was launched for the first time in China, and the "village joint guarantee loan" business was developed. The village committees provided guarantee funds, banks issued loans, and farmers participating in the association enjoyed credit loans, so that the credit line of single households was expanded to 5,. Up to now, 24 "Golden Ties" associations have been established in the city, with a total loan of 67.49 million yuan, which has effectively solved the problems of farmers' difficulties in loan and guarantee. After the promulgation of the Law on Farmers' Specialized Cooperatives, the Interim Measures for Loan Management of Farmers' Specialized Cooperatives was issued, which further explored and summarized two new modes of supporting agriculture, namely, supporting cooperatives to drive farmers to promote the development of agricultural industrialization and supporting members to promote the development of cooperative organizations with credit. Support the establishment of a number of farmers' professional cooperatives such as Liaoyuan, Green Melon and Fruit, and Nongsheng Manor, and support the formation of a number of distinctive and efficient agricultural industrial belts and industrial zones in the city.

leading enterprises are the key to the sustainable development of agriculture and rural economy and the bridge to improve the level of farmers' organization. Shouguang rural commercial bank actively promotes the loan management mode of "company plus base with farmers" by supporting the cultivation of leading enterprises with the name of "agriculture", and brings thousands of households with decentralized management and low risk resistance into the agricultural development consortium. Up to now, more than 1 billion yuan of loans have been granted, supporting the development of leading agricultural enterprises in the city to more than 15, and the annual processing capacity of agricultural products has reached 1.5 million tons. A total of 1.2 billion yuan of loans were granted to support companies such as Tiancheng Food, Saiwei Technology and New Century Seedlings to start with large-scale operations and vigorously develop breeding bases and deep processing of products. The products were exported to more than 1 countries and regions such as Japan and South Korea, and more than 2, farmers were connected to become rich. A total of 3 million yuan of loans have been granted, and 34 production supporting markets such as agricultural machinery, fertilizers, seeds and pesticides, science and technology and labor services have been cultivated and developed.

in order to increase the support for the development of small and medium-sized enterprises, the bank increased the loan support for small and medium-sized enterprises such as science and technology, employment and comprehensive utilization of resources, actively formed alliances of enterprises and merchants, and implemented preferential interest rates and preferential loan support. Up to now, * * * has established 11 enterprise and merchant alliances with a credit of 1.3 billion yuan; 441 enterprise economic files were established, and 3 AAA-level enterprises, 11 AA-level enterprises, 369 A-level enterprises and 2 enterprises below A-level were evaluated, with a total credit of 3.46 billion yuan. At the same time, breaking the departmental management framework and introducing the implementation of "flat" management have realized the effective separation of large corporate customers and small individual customers, fully considered the short, urgent and fast financing needs of small and medium-sized enterprises, worked hard on customer credit rating, credit management, loan approval authority and loan management requirements, decentralized loan approval authority, optimized approval procedures, innovated credit products, improved work efficiency, and effectively solved the problems of excessive procedures and long time in loan issuance.

With the continuous development of social economy and financial market, residents' awareness of financial management has been continuously improved. In order to meet the diversified investment needs of customers, Shouguang Rural Commercial Bank sized up the situation and successfully issued the first phase of financial management product Jinhui Ying X Series I on April 28th, 28, with a term of three months and raised funds of 25 million yuan. Jin Huiying's X series II and P series I were also successfully issued, with a cumulative sale of 175 million yuan. By issuing wealth management products, we have enriched business varieties and provided customers with higher quality financial services. At the same time, a personal loan service center has been set up in the downtown business district, which has implemented professional management, improved work efficiency and enhanced business competitiveness. Internal control comes first in business development

The sustained and rapid development of various businesses is inseparable from the effective restriction of internal control. In view of the different problems existing in management, the bank has successively carried out activities such as "year of internal control construction", "three special treatments", "great discussion on reform and development" and "reading meeting to emancipate the mind" to comprehensively improve the internal control and risk awareness of cadres and employees, constantly standardize and improve rules and regulations and operating procedures, and always cover business operation and management under rules and regulations. In December 24, the bank took the lead in passing the ISO91 international quality management and BS7799 information security management system certification in the province's financial system, and its business operations and management processes were standardized, procedural and standardized. On this basis, the appointment system of accounting and credit vice presidents, the double-line responsibility assessment and the strengthening of supervision and restriction mechanism have promoted business development and improved the internal management level. At the same time, the introduction and implementation of internal control risk assessment, starting from the implementation of important links control system, the implementation of accounting check system, the management of printing and charging certificates, etc., in-depth organization of risk assessment and standardized management. Now it has become the basic and routine work of internal control management, which is carried out twice a year, and the evaluation results have all risen from the initial C and D grades to the current B grade and above. We also paid close attention to compliance risk education, promoted the awareness of compliance among all employees, redefined the post responsibilities of accounting, cashier and credit, and refined the operation process of each business according to the requirements of "one business, one manual, one process, one system and one post".

Chapter IV: Future and Prospect

The development of finance is inseparable from a good policy environment. Under the correct leadership of Party committees and governments at all levels and higher authorities, it has created a solid foundation for Shouguang Rural Commercial Bank to support the construction of new countryside and promote economic prosperity. In recent years, all deposits and loans have increased by more than 15%, and the profit level has been greatly improved. By the end of June 29, the balance of deposits and loans reached 12.28 billion yuan and 8.26 billion yuan respectively, an increase of 3.26 billion yuan and 1.82 billion yuan respectively over the beginning of the year; Among them, the balance of agricultural loans was 5.5 billion yuan, accounting for more than 98% of the total agricultural loans of financial institutions in the city; The number of farmers supported by credit reached 46,, accounting for 56.1% of the farmers with credit demand in the city; The comprehensive strength ranks in the forefront of the county-level associations in the province, reaching the second-level supervision standard of the China Banking Regulatory Commission.

The great development achievements have not made the decision-makers of Shouguang Rural Commercial Bank indulge in joy, but the fleeting development opportunities and the new period and new tasks have always kept a clear development mind. Rooted in Shouguang, serving Shouguang and growing with Shouguang, it shows the broad mind and lofty responsibility of a modern financial enterprise.