From 2004 to 20 10, Zhejiang Rural Credit Union led 8/kloc-0 member banks, nearly 4,000 outlets and more than 40,000 employees in the rural credit system of the whole province, inheriting the long history and culture of rural credit in Zhejiang, bearing the glorious dream of expanding Zhejiang's local financial industry, adhering to the business philosophy of growing together with "agriculture, rural areas and farmers" and small and medium-sized enterprises, and actively supporting Zhejiang's economic and social development. While making its own achievements, by the end of 20 10 and 10, the scale of deposits and loans reached 767.3 billion yuan and 549.7 billion yuan, respectively, and its operating efficiency was in the forefront of rural credit cooperatives in China.
Through unremitting efforts and adhering to the concept of * * * common growth, the rural cooperative financial system of the whole province has achieved fruitful results while promoting the development of local economy, especially the "three rural" economy for more than six years. It has become a local financial institution with the widest service coverage, the largest number of institutions and the most dedicated service for agriculture, rural areas and small and medium-sized enterprises in our province. Its business outlets are all over counties (cities, districts), towns and larger villages in the province, and the scale of deposits and loans ranks first and second in the banking industry in the province respectively. Its asset quality and operating efficiency rank first in the rural cooperative financial system of all provinces and regions in China. The management level has been significantly improved, and the risk prevention ability has been significantly enhanced. Is gradually moving towards modern rural financial institutions.
When the spring breeze rises and sails again, Qi Xin will work together to create greater glories. Facing the new strategic opportunities and challenges, Zhejiang Rural Credit Cooperatives will, together with the rural cooperative financial institutions in the province, fully implement Scientific Outlook on Development, actively practice the strategic thinking of "one road and two revolutions" (taking the road of becoming stronger and better, promoting the "strategic transformation revolution" and "scientific and technological information revolution"), unswervingly serve the "three rural issues" and small and medium-sized enterprises, and make efforts to promote the construction of a new socialist countryside, build a well-off society in an all-round way and build a harmonious socialist society. Zhejiang Rural Credit Cooperatives Union was born in the wave of reform and development.
In August, 2003, our province was identified as a pilot province for reform by the State Council. The provincial party committee and government attach great importance to this. According to the spirit of the Notice of the State Council on Printing and Distributing the Pilot Program for Deepening the Reform of Rural Credit Cooperatives, the provincial government established the pilot leading group for deepening the reform of rural credit cooperatives in Zhejiang Province. Under the leadership of the leading group, the office of the leading group and relevant departments actively made preparations for the reform pilot, and submitted the Implementation Plan for Deepening the Reform of Rural Credit Cooperatives in Zhejiang Province and the Establishment Plan for Rural Credit Cooperatives in Zhejiang Province to the State Council. On February 27th, 65438, the provincial government held a conference on deepening the reform of rural credit cooperatives. At this point, a new round of rural credit cooperatives reform in our province has entered the stage of full implementation. According to the supervision and management system of "national macro-control, strengthening supervision, provincial government managing according to law, implementing responsibilities, self-discipline of credit cooperatives, and taking risks at their own risk", the provincial party committee and provincial government decided to set up provincial rural credit cooperatives on the basis of provincial credit cooperatives. Under the leadership of the provincial government, provincial rural credit cooperatives undertake the management, guidance, coordination and service functions of credit cooperatives. After our province decided to form a provincial rural credit cooperative, the preparatory work went through the following stages in strict accordance with the prescribed procedures: First, a leading group for the preparatory work of the provincial rural credit cooperative was established with the deputy secretary-general of the provincial government as the leader; The second is to study and formulate a preparation plan; 3. Convene the sponsors meeting of the provincial rural credit cooperatives, sign the sponsors' agreement, and subscribe for the first registered capital contribution of the provincial rural credit cooperatives; The fourth is to declare the application for preparation; The fifth is to study and formulate the articles of association of the provincial rural credit cooperatives, draft other texts of the founding meeting, recommend according to relevant procedures, determine the candidates for the team, and prepare for the founding meeting. After the inaugural meeting of Zhejiang Rural Credit Cooperatives, the first meeting of the first members' congress and the first meeting of the first board of directors, the first board of directors, director and deputy director of Zhejiang Rural Credit Cooperatives were elected, and the qualifications of senior managers of Zhejiang Rural Credit Cooperatives were reported to the CBRC for approval. Zhejiang Rural Credit Cooperative Association was formally established on April 6, 2004. The establishment of provincial rural credit cooperatives is a major reform of the "four self" management system since the establishment of rural credit cooperatives in our province, which has enabled rural credit cooperatives in our province to have their own headquarters. The establishment of provincial rural credit cooperatives is an important event in the development history of rural credit cooperatives in our province, which indicates that rural credit cooperatives in our province will enter a brand-new development stage. The reform of rural credit cooperatives in the whole province has been carried out in an all-round way, and the deepening reform of rural credit cooperatives has been carried out in an all-round way, such as establishing rural cooperative banks, first-class legal persons, and continuing to standardize the second-class legal person system of county cooperatives and credit cooperatives. According to the work plan, it is required to ensure 10 of the 25 rural cooperative banks to be established this year, and strive for 15 to be listed; 42 unified legal person associations and 13 secondary legal person associations should all complete the task of reform and standardization. Xiaoshan and Nanxun two rural cooperative banks officially opened on August 26th, 2004. Seven rural cooperative banks were approved by the China Banking Regulatory Commission, and three unified legal person associations were allowed to start business. The standardization of secondary legal person has entered the stage of comprehensive acceptance. By the end of September, 2004, the balance of rural credit cooperatives in the province was 264.938 billion yuan and the balance of loans was 654.38+098.032 billion yuan, of which the balance of agricultural loans was 67.424 billion yuan and the proportion of non-performing loans was 5.93%. In the reform, Zhejiang rural credit cooperatives (rural cooperative banks) have ushered in new development opportunities. Zhejiang rural credit cooperatives (rural cooperative banks) will be more brilliant tomorrow!