Entrusted by the leaders of Xiangshui County Party Committee and county government, I am responsible for the preparation of village banks. The primary task of setting up village banks is to implement the problem of initiating banks. To this end, as early as last spring, I began to look for and choose the initiating bank of village banks. Over the past year or so, I have traveled all over the country and found dozens of financial institutions, such as China Merchants Bank, Bank of East Asia, HSBC, Shanghai Pudong Development Bank, Shang Hui Bank, Chouzhou Bank in Zhejiang, Guangzhou Rural Commercial Bank, etc. However, due to various circumstances, I failed to do so.
This time, I visited the bank of the Yellow River in Ningxia with the leaders of Xiangshui County Party Committee and county government, and I was deeply touched. I think Yellow River Bank's management concept of managing people by system, its development thinking of managing affairs by system, its strong desire of high-level decision-makers to expand outward, and its overall model of establishing village banks are all very scientific, feasible and valuable. At present, the Yellow River Bank is only a financial institution restructured from local rural credit cooperatives, with a total deposit and loan of only about 40 billion yuan, which is not very large. However, due to the scientific development idea that Yellow River Bank has established a system to manage people's affairs, and the strong desire of top decision makers to expand abroad, the future prospects of this institution are limitless!
Over the past 30 years of reform and opening up, China has been increasing its investment in urban infrastructure and transportation facilities. Today, the investment in urban infrastructure construction and transportation facilities has been basically completed. In the future, the central government will consider solving people's livelihood issues as the focus of capital investment. The key to solving people's livelihood problems is to solve the poverty problem of rural population. The rural population in China accounts for more than two thirds of the total population. How to solve the poverty problem of rural population, quickly narrow or eliminate the gap between urban and rural areas, and fill the shortcomings of national economic development will become a very important strategic move of our government. In recent years, with the acceleration of the construction of new countryside and small towns, China's rural economy is bound to develop rapidly, which will bring unlimited development space to China's rural financial industry. Faced with this huge rural financial market, if we don't occupy it ourselves, overseas financial capital will inevitably take advantage of it. Now, the financial capital of western countries has been eyeing, what pe funds, hedge funds and so on. Are ready to move and sneak in secretly. In this regard, we must have enough understanding and high vigilance! It is necessary to set up village banks as soon as possible, and quickly deploy them in a large area, so as to seize the once-in-a-lifetime development opportunity, stick to China's rural financial position, guard against national financial risks, and compete with western capital for the rural financial market. The top decision-makers of Yellow River Bank can regard the establishment of village banks as their own responsibility, which fully reflects their strong sense of crisis, urgency, responsibility and mission.
During my visit to Yellow River Bank this time, I was glad to find that Chairman Zhang Baoping, the helm of Yellow River Bank, is a national banker with keen thinking and political mind, a sense of historical responsibility, a sense of mission and a strategic vision.
The Yellow River is the mother river of the Chinese nation. The Yellow River is the cradle of the Chinese nation. The brand value of Yellow River Bank is infinite! At the critical moment when western financial capital is invading the coastal cities of China on a large scale and is about to penetrate the vast rural areas of China, Yellow River Bank can be unique and seize the opportunity to set up village banks nationwide, which fully reflects that the core decision makers and top decision makers of Yellow River Bank have the mind of national financiers. Xiangshui can establish a cooperative relationship with Yellow River Bank, which is really a very rare blessing!
The establishment of village banks, whether in jiangsu provincial party committee, the provincial government, the Yancheng Municipal Party Committee and the municipal government, or even the Xiangshui County Party Committee and the county government, all attach great importance to this work.
On April 30th this year, the government of Jiangsu Province held a conference on rural finance in the whole province. The meeting demanded that in 20 years, rural cooperative financial institutions, agricultural banks, postal savings banks and new rural financial organizations should basically achieve "three full coverage" of towns and villages in the province.
The Yancheng Municipal Party Committee and Municipal Government also made a strategic decision to turn Yancheng into a talent highland and financial highland in the Yangtze River Delta region in the document "(2009) 18". Establishing village banks is an important part of implementing this strategic decision.
Jiangsu Banking Regulatory Bureau emphasized in the Opinions on Accelerating the Development of Village Banks that local small and medium-sized banking financial institutions inside and outside the province should be encouraged to initiate the establishment of village banks. The opinion pointed out that small and medium-sized banking financial institutions have flexible mechanisms and advantages in serving small enterprises and agriculture, rural areas and farmers. The willingness to initiate the establishment of new rural financial institutions is relatively strong. Our bureau supports and encourages qualified city commercial banks and rural commercial banks inside and outside the province to initiate the establishment of village banks in our province. Local small and medium-sized banks and financial institutions that actively initiate the establishment of village banks in our province will be given certain regulatory incentives in terms of institutional and business market access.
Xiangshui is an important node in Jiangsu coastal development. After Jiangsu's coastal development strategy is upgraded to a national strategy, the central government will further increase its investment here. By the end of 20**, the state's investment in infrastructure projects in the coastal areas of northern Jiangsu has reached 2 trillion yuan; By the end of 20 15, the investment will reach 3 trillion yuan. In such a specific period, it is undoubtedly a golden opportunity for the development of the financial industry in the coastal areas of northern Jiangsu to concentrate such huge funds in this area!
Xiangshui was originally a key poverty-stricken county in Jiangsu Province, and used to rely on government finance for a long time. After the leadership of the current county party committee and government came to power, they led 6 1000 Xiangshui people into the economy and tried their best to develop, finally ending the history of relying on finance to eat, and the fiscal revenue doubled year after year. Last year, the fiscal revenue was more than 6,543.804 billion, and this year it is about 2,654.38+0 billion. Xiangshui economy started late, but it has a fast development speed, a large growth rate and unlimited development potential. If Yellow River Bank can seize this opportunity and intervene in the establishment of Xiangshui Village Bank in time, it will be an effective measure to seize the commanding heights of finance and realize strategic expansion.
The Party Committee and government of Xiangshui County attached great importance to the preparatory work of village banks, and incorporated the preparatory work of village banks into the major projects of the county in 20**, and held the county magistrate's office meeting on June 5438+1October 65438+1October 0/this year, and established the preparatory work group of village banks and the coordination leading group for the preparatory work of village banks. At present, the capital increase goal of village banks is clear, the operation of office space has been initially considered, the application materials of village banks have been basically drawn up, and all the preparatory work is basically ready. As long as the host bank is confirmed, the application can be started immediately.
This time, I visited the banks of the Yellow River in Ningxia with the leaders of Xiangshui County Party Committee and county government. After listening to the introduction of Yellow River Bank, I feel that the development ideas and business expansion ideas of Yellow River Bank are very consistent with our original intention of establishing village banks, which can be said to coincide with our ideas. Therefore, I personally think that Yellow River Bank should be recognized as the initiating bank of rural banks in Xiangshui County.
To ensure the time schedule of the establishment of village banks. Therefore, I make the following suggestions:
First, the time requirement:
(1) In mid-February, 20 * *, 12, Yellow River Bank sent personnel involved in the formation of village banks to Xiangshui to form a preparatory working group together with relevant parties in Xiangshui County to start the formation of village banks in an all-round way.
(2) Before June 20, 65438, 20 * *1October 20, complete the application and formal approval procedures for the establishment of rural banks;
(3) Before February 25th, 20 * *, submit it to the Provincial Banking Regulatory Bureau for pre-opening acceptance review;
(4) May 1, 20**, opening ceremony of rural bank in Xiangshui County.
Second, the work arrangement:
1. Xiangshui county government is responsible for providing staff to participate in the establishment of rural banks, and Yellow River Bank sends personnel to form a working group for the establishment of rural banks in Xiangshui county.
2. With the cooperation of Xiangshui County Government, Yellow River Bank is responsible for submitting the report that agreed to be the main sponsor of Xiangshui County Village Bank to Yancheng Banking Supervision Branch and Jiangsu Banking Regulatory Bureau respectively.
3. The Xiangshui County Government will provide temporary office space for the village bank preparation working group, and provide necessary office facilities and transportation. The preliminary preparation funds are provided by the Yellow River Bank, and will enter the cost after the opening of the village bank.
4. Xiangshui County Government is responsible for providing the list of local corporate shareholders and natural person contributions for the selection and approval of the working group for the preparation of rural banks. After the approval of the working group for the preparation of rural banks, the working group sent special personnel to instruct them to fill in the Application Form for the Sponsor Subscription of Rural Banks in Xiangshui County, and the working group signed the Sponsor Subscription Contract of Rural Banks in Xiangshui County with them, and asked corporate shareholders to fill in all kinds of attachment materials required to provide shares according to regulations.
5, by the preparatory working group in the local people's bank to open a special account for the preparation of village banks, after the provincial banking regulatory bureau approved the formal preparation, by the preparatory working group to inform investors to subscribe for funds within a time limit to remit to the designated special account for the preparation of village banks;
6. After receiving the funds, the preparatory working group shall select the auditing unit to verify the received funds.
7. Xiangshui County Government recommends suitable office space of village bank for the preparatory working group to choose, and the office space will be renovated immediately after it is determined; Before the installation and maintenance of business outlets, monitoring equipment, self-service deposit and withdrawal machines, network settlement, electronic screens and other lines must be embedded.
8. After the end of business in office decoration, it is necessary to purchase necessary office facilities and transportation;
9. The Xiangshui County Government recommended suitable village bank managers for the preparatory working group to conduct necessary inspection and screening, and sent them to the Yellow River Bank headquarters for pre-job business training after the personnel were determined.
10. The preparatory working group is responsible for convening a meeting of promoters of rural banks in Xiangshui County to elect the board of directors and the board of supervisors of rural banks;
1 1. The preparatory working group is responsible for nominating and recommending the core members of the first management team of rural banks and submitting them to the board of directors for approval. It is necessary to employ senior managers and related business personnel who have engaged in financial business. At the beginning, the number of personnel should be controlled at around 10- 15, and the number of personnel can be continuously increased with the needs of business development;
12. The preparatory working group is responsible for drafting, reviewing and modifying the draft articles of association of the village bank, feasibility study report, establishment report and other complete sets of application materials; According to the declaration requirements, six copies were compiled and catalogued, five of which were reported to Jiangsu Banking Regulatory Bureau through Yancheng Banking Supervision Branch, and the other was kept by the preparatory working group for the record.
13. Yellow River Bank is responsible for providing sample books, account forms, vouchers, bills, loan contract texts and schedules required by rural banks to carry out various financial businesses, and implementing them in advance to the local printing plant in Xiangshui County or Yancheng City for processing and printing, and delivering them within a time limit; Yellow River Bank is responsible for providing network software for the settlement system of village banks.
14. The preparatory group should build a reasonable and efficient joint-stock bank governance structure for rural banks and form a predictable and sustainable development business philosophy;
15. The preparatory working group should analyze the market prospect of the financial business of rural banks, formulate the development goals of rural banks, build a strict risk management system, establish institutional measures for risk control, determine risk management objectives, and form a differentiated competitive strategy;
16. The preparatory working group shall establish the basic system of Xiangshui Village Bank, including financial system, information disclosure system, business process and business operation management system; The preparatory working group shall establish the website of the village bank and disclose the information of the village bank in time; The above work can be carried out at the same time or alternately, and it is necessary to ensure the timing of the establishment of village banks and start business on time.
I sincerely hope that Xiangshui Village Bank can be successfully established at an early date with the strong support of Yellow River Bank, Xiangshui County Party Committee and Government, and make contributions to Xiangshui economic development and strategic expansion of Yellow River Bank!