Shin Tianshan for the first heart of Nongnong

Shin Tianshan for the first heart of Nongnong

——The reform and development of the 70th anniversary of Xinjiang Rural Credit Cooperative

Wu Guoxun, Han Hongbo

This is the Xinjiang Rural Credit Cooperative, which has 16,000 cadres and employees in Xinjiang's financial industry. It takes Tianshan Snow Lotus as its own identity and determines like a snow lotus.

This is the mainstay of the high -quality development of Xinjiang's economy and society -in addition to the deposit reserve and reserved daily positions, all funds will be used to support Xinjiang's economic and social development. As of the end of June, the balance of various loans of Xinjiang Rural Credit Cooperation was nearly 420 billion yuan, of which the balance of agricultural loans was exceeded 230 billion yuan, and the coverage rate of farmers' loans exceeded 70%. The balance of small and medium -sized enterprises is nearly 230 billion yuan, which is the main force of serving small and medium -sized enterprises; the county's agricultural credit system loan accounts for more than 65%of the total loan of local financial institutions. It is the main force to support the development of the county economy.

This is Xinjiang's own bank -more than 1200 business outlets, nearly 10,000 inclusive financial service stations, like the fire of stars on 1.6 million square kilometers in Xinjiang, warmly light up the people of all ethnic groups in the north and south of the Tianshan Mountains road.

70 years ago, as an important part of Xinjiang Finance, Xinjiang Rural Credit Cooperative was born because of farming. Since then, it has opened a grand chapter in Xinjiang's financial reform and development. In the past 70 years, a generation of hard -working and pretty Xinjiang agricultural believers inherited the "three water spirit" based on "farmers" and "faith". Write a song of excited struggle, the song of unity, and the song of great changes with the dedication spectrum, and presented a passionate symphony movement for the party and the people.

Seventy years of wind and rain, and 70 years of overcoming difficulties. The tenacious Xinjiang agricultural believers have tasted the twists and turns of the initial stage of entrepreneurship, experienced the rebirth of reform and growth, and harvested the fruitful results of transformation and development.

For the new journey, build a new era. The Xinjiang Rural Credit Cooperative, which has been baptized by storms, always remembers the difficulties of "the road to the road", strengthens the responsibility of "foot", strengthens the dream of "future road", and sets off again ...

How ambitious for the beginning

In the summer of Xinjiang, the mountains and rivers are magnificent, and the melon and fruits are fragrant. Thinking of the Xinjiang Rural Credit Cooperative will usher in the 70th birthday, Ding Su'e, a retired employee of Fukang Rural Commercial Bank of Fukang Rural Commercial Bank of Fukang Rural Commercial Bank, turned out of his old photos and old objects when he first joined the job, and recalled the years with Xinjiang Rural Credit Cooperative.

"I participated in the work in the rural credit cooperative in 1964. At that time, I couldn't compare it at that time. I worked in a broken house in the production team, a table, a bench, an abacus, and a number of books. We. We. The daily work is to walk the village skewers with a shoulder bag, suck storage, lend loan, interest rates, a few dollars, a few horns, and a few points, so the fellow cordially controls the credit cooperative called the "shoulder bag bank". Help the fellow to work. There are many fellows without cash and only eggs. If you ask if you can deposit the credit agency, I will pick the eggs with a flat load to the commune to sell it. At that time, 10 eggs could sell 6 cents. Send it to each household in the passbook. " Even if he was over 80 years old, Ding Su'e was still passionate when he talked about the history of the entrepreneurial history of the Agricultural Credit Society.

This is 70 years ago, the older generation of Xinjiang agricultural believers in the minds of "the original heart and ambition", and the true portrayal of the people with the people.

On August 12, 1952, the first rural credit cooperatives in Xinjiang, Sanxiang Credit Cooperative, Hetian County, marked the historical mission of credit cooperatives to fulfill the financial and social development of Xinjiang's economic and social development.

Historical records: As of the end of 1952, the whole Xinjiang established 5 credit cooperatives and 3 credit cooperatives in Fukang, Turpan, Hetian and other places. The absorption deposit was 20.27 million yuan, and a total of 158.1 million yuan was issued (the amount described in this paragraph refers to the old RMB, which is about 100,000: 1).

In the morning, there is dew, sweat at noon, and mud in the evening. Since its establishment, the Xinjiang Rural Credit Cooperative has formed a unique "three water spirit" and regards "closest to the earth and the most close to the people" as the foundation.

The finger waved for 70 years, and the main business indicators of the "shoulderbag bank" increased geometrically. As of the end of June 2022, the asset size of Xinjiang Rural Credit Cooperative exceeded 600 billion yuan, the balance of various deposits reached 470 billion yuan, and the balance of various loans was nearly 420 billion yuan.

When the first way, the development of the Xinjiang Rural Credit Cooperative was not smooth.

Over the past 70 years, the management department of Xinjiang Rural Credit Cooperative has changed several times, but no matter how the reform road winds and how to change the management system, the Xinjiang Rural Credit Cooperative has always insisted on renamed the name not to be more surnamed, and the restructuring will not be changed. "The original intention and mission, in the finals of the countryside, supporting local economy, and serving urban and rural residents.

On July 26, 2006, the Xinjiang Uygur Autonomous Region Rural Credit Cooperative (hereinafter referred to as the Autonomous Region Union) was officially listed. Under the strong leadership of the Party Committee and Government of the Autonomous Region, the Autonomous Region Union has led the entire system to gradually wander and sluggish, and quickly realized the transformation from recovery to rapid development, and embarked on the road of scientific development. Especially since 2018, in order to continuously adapt to the needs of macro policies, market changes, and transformation and development, the new party committee of the Autonomous Region Union proposes the business philosophy , Establish a "four -story service structure structure composed of the Autonomous Region Union, Tianshan Rural Commercial Bank, Dizhou City, and the county and cities). The scientific evaluation orientation of quality theory, with the scientific evaluation of the success of the hero, and the success of risk theory ", establish the strategic goal of creating the" five banks "(serving the" three banks ", the small and micro inclusive banks, the formation of a systematic intensive Star Fire Bank, The leading banks in the industry, retail banks around the people, and convenient and fast fingertips) have enabled Xinjiang Rural Credit Cooperation to have a more continuous and stable and high -quality development path.

In 2021, the Xinjiang Rural Credit Cooperative won the high evaluation of the "eight forefront" of the Party Committee of the Autonomous Region: the "key point" of the party's leadership and the forefront of political construction; The overall situation is at the forefront; the "blood transfusion device" of reform and development is at the forefront of focusing on entity; focusing on serving the "main position" of the countryside, and being at the forefront of "three rural areas"; Walking at the forefront on the small branch; do a good job of "assisters" for poverty alleviation, at the forefront of precision poverty alleviation; tighten the "security valve" of financial risks, and at the forefront of preventing risks; creating patriotism and love of Xinnan "New Farmers New Farmers "Letter", at the forefront of deep cultivation of Xinjiang.

Customer manager of Kashgar Rural Commercial Bank knows the situation at the farmer's house. Liu Dawei/Photo

The spring breeze exhausted a few hard work, and the thorns broke into the new road. In the 70 -year development process of Xinjiang Rural Credit Cooperation, the imprint of the mark is engraved, and deeply experienced the inspiration of the experience when solving the problem: only by holding the banner can we lead the correct direction; only in the insight, can we grasp the strategy; only to promote development development; , Can we firmly win confidence; only by daring to fight can we reverse the dangerous danger; only by reform and innovation can we stimulate comprehensive vitality; only by people -oriented can we achieve stability and far away.

From the "shoulderbag bank", which once obscured, to more than a dozen major operating indicators such as asset size, deposit and loan scale, market share, taxation contribution, etc., it has ranked first in the banking industry for many years. Height and record, writing the glory and dreams belonging to the country's rural financial system.

Heart people's livelihood

Everything is great, people's livelihood is great. In the past 70 years, Xinjiang Rural Credit Cooperative has always adhered to the people's supremacy, showing the deep original intention of the people.

The former party branch of the original village party branch of Buli Kai Village, Wenyar Town, Yining County, bought Jimoujiang Uesaier, is now a "expert consultant" of Yining Rural Commercial Bank. The old branch was the winner of the "July 1st" medal of the party's 100th anniversary, and it was very prestigious in the village.

This year, Yining Rural Commercial Bank has set up a inclusive financial service station in the village that can provide villagers with basic financial services such as deposits, small cash cash, transfers and other basic financial services and water, electricity, gas, calls for recharge and payment of social insurance payment. The station hired the old branch to serve as the design consultant of the station to deeply integrate the party building and financial services. According to the suggestions of the old branch, the red book was placed in the station, and the red videos were played.

The villagers of Buli Village are handling business in the red inclusive financial service station in the village. Li Di Fei/Photo

The inclusive financial service station is the most distinctive convenience financial service in Xinjiang Rural Credit Cooperation. As of the end of 2021, the Xinjiang Rural Credit Cooperative set up a total of 9,380 stations in a total of 98%of the administrative village coverage. Can enjoy basic financial services.

On this basis, like Yining Rural Commercial Bank, all banks in Xinjiang have also upgraded the station to upgrade and transformation in combination with the different characteristics of various villages. Upgraded version, truly opened the "bank" to the door of the villagers.

There are still many "golden ideas" like inclusive financial service stations. With their hearts and affection, we have deeply cultivated the "agriculture and rural" market, truly "down", "tie down", and "sinking", and "sinking down", which has achieved the Xinjiang Rural Credit Cooperative, the bank that knows the "agriculture and rural areas" best. According to statistics, since 2006, Xinjiang Rural Credit Cooperative has invested nearly 2 trillion yuan in credit funds in the "agriculture and rural" field.

Xinjiang was one of the national battlefields in poverty alleviation. Winning the battle against poverty and building a well -off society in an all -round way is the century -old dream of the Communist Party of China and the glorious mission of Xinjiang Rural Credit Cooperative.

On November 14, 2020, the People's Government of Xinjiang Uygur Autonomous Region issued an announcement that the last 10 poverty alleviation counties, including Shache County, southern Xinjiang, were evaluated and verified that the standards and conditions of the exit of poor counties were exited with the order of poverty. This marks all the poverty -stricken people who have been poverty alleviation under the current standard of 30.89 million in Xinjiang. All 3,666 poor villages have withdrawn, and all 32 poverty -stricken counties are removed.

On such a dazzling performance list of poverty alleviation, the Xinjiang Rural Credit Cooperative left a strong stroke. Since 2016, 16,000 people from Xinjiang Rural Credit Cooperatives have measured the earth with both feet. One household has a one -householder's accurately distributed 15.1 billion yuan of poverty alleviation microfinance for more than 360,000 households. 91%; in this battle, Xinjiang Rural Credit Cooperative is a financial vanguard serving the "agriculture, rural areas, and rural areas": the strategic deployment of "stable grain, cotton, animal, strong fruits, and Xing special" in the autonomous region and strategic deployment of poverty alleviation. In the past 5 years, nearly 170 billion yuan of poverty alleviation loans to industrial poverty alleviation, which benefited 3.3 million fathers and fellows; in this battle, Xinjiang Rural Credit Cooperative is a financial pioneer for building a beautiful home: from 2014 Gathering the village team and more than 900 team members, fixed -point helped 39 poor villages, cumulative self -voting and winning 320 million yuan of project funds, driving 17,000 people out of poverty, 20,000 people transfer employment, realizing income of 300 million yuan ... Mowing

The Kuibag Village Working Team of Kui Bagi Township in Zepu County, Zippi County, to help farmers pick up walnuts. Zhang Yiwen/Photo

Poverty alleviation is not the end, but the starting point for new life and new struggle.

In order to consolidate and expand the results of poverty alleviation and effectively connect with the rural rejuvenation, Xinjiang Rural Credit Cooperative strictly implements the "four non -picking", "eight unchanged" and "eight connections" to maintain the overall stability of the existing main assistance policies and do a good job of getting out of poverty to get rid of poverty alleviation. Population micro -credit work can be loan and loan and loan well. As of the end of June 2022, the total number of poverty alleviation in the entire system was 293,700 households and 10.207 billion yuan. one".

Focus on the "small things" of people's livelihood and make up for the shortcomings of people's livelihood.

The Xinjiang Rural Credit Cooperative also actively cooperates with the deployment of poverty alleviation in the autonomous region. By issuing "two -bedroom loans", "student loan" and "women's entrepreneurial loans", etc., the majority of farmers and herdsmen, especially helping difficult groups, realize their lives, work, and labor. There are gains and teachings, so that the people of all ethnic groups are more colorful, happiness is more sustainable, and the sense of security is more secure.

Where there is difficulties, there is a concern of Xinjiang Rural Credit.

According to statistics, since 2006 alone, the Xinjiang Agricultural Credit System has donated a total of 240 million yuan to the whole society, promoting the traditional virtue of the Chinese nation's "difficulty and support for all sides". In particular, after the epidemic, the Autonomous Region Federation responded at the first time to call on the entire system of grass -roots party organizations and Communist Party members to donate and donated money. Only cash donations reached 26.15 million yuan, which is the most cash donation enterprise in Xinjiang.

Financial reporting to the country

The real economy is the foundation of a country and an important pillar of the country's prosperity. In the past 70 years, Xinjiang Rural Credit Cooperative has always been with the "big of the country" and interpreted the understanding of "financial work politics and people" in serving the real economy and national strategy.

In the early 2020s, the new crown epidemic from Wuhan broke the dream of Abu Du, the owner of the "Niu Sanbao" chain restaurant in Shufu County. During the epidemic, the store was closed, and the processed beef cattle mixed with a large amount of backlogs. The beef to be slaughtered every day to eat forage, coupled with the employee's salary and rent, etc., after using the old eel for the emergency, Abu fell into a desperate situation.

At the first time after the unblocking, the customer manager of Shufu County Credit Cooperative came to the door, not to collect loans, but to plan to pull him. The customer manager's phrase "Cold chain transportation can solve the problem of the backlog of inventory", so that Abu, which has been "lying flat," shines. To talk about it, the customer manager quickly approved the credit level and mortgage guarantee conditions of "Niu Sanbao". With many years of cooperative relationships and good credit conditions, 1.5 million yuan loan to Abu's account the next day. With this "life -saving money", Abu purchased the cold storage and cleaning, packaging, and braised equipment, and quickly found several catering sales lines outside the province, and finally recovered the vitality.

With many small and micro enterprises such as "Niu Sanbao", it is difficult for many small and micro enterprises and individual industrial and commercial households, reflecting the responsibility of Xinjiang Rural Credit Cooperation to support the real economy. According to statistics, in 2020, Xinjiang Rural Credit Cooperative has accumulated a total of 1.3742 million yuan and 220.409 billion yuan in re -production and re -production loans. In the case of ensuring that its continued stable operation and controlling risks, a total of more than 1.6 billion yuan will be beneficial to various customers. Essence

In the course of 70 years of development, "Zhi Xiao" has always been the adherence to the Xinjiang Rural Credit Cooperative. Starting from cracking down on small and medium -sized enterprises "loans", the whole system carries out various types of "Eight Immortals Crossing the Sea":

Based on the principles of simple procedures and moderate guarantees, in response to the characteristics of small and medium -sized enterprises and industries, in recent years, Xinjiang Rural Credit Cooperative has successively launched joint insurance loans, real estate pledge loans, account receivable pledge loans, equity pledge loans, and warehouse receipts pledge loans , Different arrangements for loan -guided fund loans and "moral guarantee" and other varieties of loan, through different arrangements such as credit granting methods, credit quotas, time limit, and loan repayment methods, to meet different types, different scale, and different industrial enterprises. The financing demand and strive to make a loan due to their due diligence, which not only adapts to the current status of regional industries, but also solves the problem of corporate financing.

As of the end of June 2022, the balance of inclusive small and micro loans with a single credit of the Xinjiang Rural Credit Co., Ltd. reached 50.764 billion yuan, an increase of 4.482 billion yuan from the end of the previous year, an increase of 9.68%, accounting for half of the district's peers in the district. above.

Employees of Qitai Rural Commercial Bank of the West Di Branch provide financial services to individual industrial and commercial households. Yan Kang/Photo In order to reduce the financing costs of small and medium -sized enterprises, Xinjiang Rural Credit Cooperatives tried to do the "subtraction": in the case of loan yield and deposit loan spread year by year, below the average level of the industry, resolutely implement the various cost reduction to allow profit profits Benefiting from the policy of benefiting the enterprise and reducing the burden on the enterprise.

At the same time as the "small", Xinjiang Rural Credit Cooperative also enlarged the "coordinate system", actively serving the major strategic deployment of the autonomous region and the key industries of the autonomous region, adhered to the business development as the Xinjiang economy and resonance, and demonstrated the responsibility of the big bank.

Make full use of the "small bank+large platform" model, and effectively play the role of the "four -in -one" financial service system, the constraints of the body system, the bottleneck of breaking development, and the mechanism. In recent years, in terms of supporting "big strategies", Xinjiang Rural Credit Cooperative has gradually exerted its advantages with the strongest capital strength, the widest service coverage, and the closer to local economic and social connection.

The benchmarking party committee and autonomous region party committee's decision -making and deployment, actively fulfilling the mission and responsibility of serving the real economy. In recent years, the Xinjiang Rural Credit Cooperative has continued to use more than 85%of the deposit ratio to support the economic and social development of the autonomous region:

Comprehensively help the construction of the core area of ​​the Silk Road Economic Belt, Economic Development Zone, and Port Economic Belt; actively follow up regional coordinated development and industrial layout planning, and continue to increase the support of advantageous industries, key projects, and group customers; focus on supporting agricultural product processing, milk milk, milk Products and meat processing, high -end equipment manufacturing, biotechnology, new materials and other labor -intensive industries, specialty food processing industries, and strategic emerging industries; fully support the development of service industry focusing on tourism industry; vigorously support the revitalization of the Corps ...

On this basis, the Xinjiang Rural Credit Cooperative has further strengthened the cooperation of silver administration and banking enterprises, and has signed a strategic cooperation agreement with most of the prefectures in Xinjiang, with a total credit of more than 600 billion yuan. 32 industry leaders such as fruit industry have conducted comprehensive cooperation, with a total credit of more than 130 billion yuan, which provides a steady stream of "financial living water" for local economic and social development.

Feng Peng is raised again

Seventy years of Fenghua, 90,000 miles of Fengpeng. How to take a new era of high -quality development? Continue to practice a new mission of rural finance in the pose of the leader? The "Fourteenth Five -Year Plan" of Xinjiang Rural Credit Cooperative and the 2013 Vision Objectives (hereinafter referred to as: Plan) gave the answer.

This is a new big game.

The "Planning" clarifies the "Fourteenth Five -Year Plan" expected indicators and constraints: the balance of various loans strives to exceed 600 billion yuan, the balance of various deposits strives to exceed 700 billion yuan, the total assets strive to exceed 850 billion yuan, and the annual average growth rate remains At about 9.5%, the scale of deposit and loans and market share maintained the first Xinjiang banking industry. The average annual growth rate of retail credit business remained above 10%, and the proportion of large loans was controlled within 30%. Thousands of households, realizing 25%of the permanent population in Xinjiang use Xinjiang Agricultural Credit Mobile Bank ...

At the same time, in order to fulfill the new responsibility of the courage to fulfill social responsibility, the "Plan" proposes to continue to increase the efforts of supporting agricultural support, agriculture -related and small and micro enterprise loans to more than 80%, and the role of the main financial army has been further consolidated. Strive for the host banks of rural revitalization; the coverage rate of the administrative village of inclusive financial services reaches 100%, and realizes "town and town institutions, villages and machinery, households with services", and the coverage, acquisition and satisfaction of financial services The degree continuously improves, and the inclusive financial service capacity has been further improved; the accumulated taxes of various types of taxes exceeded 12 billion yuan, which has become more prominent to contribute to local economic and social and society.

In order to achieve the above development goals, the "Planning" proposes that Xinjiang Rural Credit Cooperation will implement ten new strategies, that is, new strategies for reform and development, new strategies for rural revitalization, new strategy of inclusive finance, new retail transformation strategy, new strategy of risk management and control, and financial optimization New strategy, new strategy of science and technology, new strategy for talents, new strategies for cultural moisturizing, and new strategies for party building.

Specifically, the new strategy of reform and development, continue to enhance the effectiveness of corporate governance, vigorously promote the pilot of the reform of the district federation, coordinate the reform of the county and cities, promote the in -depth integration of party leadership and company governance, and promote corporate governance Change to improve the effectiveness of the company's governance.

In terms of rural revitalization strategies, vigorously implement the "four priorities" of rural revitalization agency mechanisms, credit support, fund planning, and product innovation, to plan and evaluate the "two single columns", give full play to the role of rural revitalization and finance, promote the whole The district agriculture is high -quality and efficient, the rural areas, is livable and available, and the farmers are rich and rich.

In terms of the new strategy of inclusive finance, ensuring that the growth rate of agricultural loans every year is not less than the average growth rate of various loans, and the increase is higher than the previous year. The overall growth rate is not less than the average growth rate of various loans, and the cumulative investment in agricultural loans is not less than 780 billion yuan, and the loan acquisition rate is more than 90%.

In terms of retail transformation strategy, accelerate the transformation of retail business, build a "large retail" business structure for individuals and small and micro enterprises, and build Xinjiang Rural Credit Cooperation into the largest "retail bank" in the region.

In terms of risk management and control strategy, adhere to systemic concepts, strengthen bottom line thinking, enhance compliance management awareness, establish and improve a comprehensive risk management system, enhance scientific and technological empowerment, improve risk prevention and technical defense capabilities, and adhere to risk "early identification, early warning, early warning, early warning, early warning, early warning, early warning, early warning, early warning, early warning, early warning, early warning, early warning, The principle of early intervention and early disposal "realizes the fundamental change of risk control to risk management, and ensure that no systemic risk occurs. In terms of financial optimization strategies, adhere to the benefit orientation, continuously promote the adjustment and optimization of assets, liabilities, and revenue and expenditure structures, pressure reduction costs, reduce costs, promote business structure, scale, efficiency, and management matching, realize scientific development, and continue to operate.

In terms of the new strategy of science and technology, we will build a large -scale open technology platform with "overall management, step -by -step promotion, architecture first, security orientation, and controlling risks", fully integrate financial technology technology, accelerate digital transformation, and develop for business development. Provide strong technology support.

In terms of new strategies for talents, adhere to human resources as the first resource to support development, cultivate, introduce, and use talents, focus on strengthening the cultivation of backbone talents, outstanding young talents, strengthen the construction of professional and technical talents, high -skilled talents, forging A strong combat and passionate cadre talent team provides a strong guarantee for the strategic transformation and sustainable development of the Xinjiang Rural Credit Cooperative.

In terms of a new strategy of cultural moisturizing, implementing the "brand creation value and cultural activation motivation" project, carrying out three years of corporate cultural construction, and creating brand culture with the characteristics of Xinjiang Rural Credit Cooperative, deep historical and cultural connotation, and distinctive era characteristics, establishing a good establishment Image, enhance social reputation, and provide spiritual leadership, cultural motivation and brand support for scientific and sustainable development.

在党的建设新战略方面，深入实施“领航工程”“聚力工程”“铸魂工程”“强基工程”和“融合工程”，全面提升政治把控力、领导执行力、思想引领力、 The masses' organizational strength and development driving force will transform the party's political advantages into an important driving force for high -quality development under the new situation, and provide a strong guarantee for the high -quality development of Xinjiang Rural Credit Cooperative.

At the same time, in order to enhance regional competitiveness, the "Plan" also proposed that it focuses on the development plan of the autonomous region, in accordance with the "one Hong Kong", "one Hong Kong", "two Hong Kong", "two Hong Kong", " The construction of the district "five centers" and "port economy belt" is the starting point, focusing on the development of "key markets, key areas, key industries, key customers", deepen the "four -in -one" financial service system, coordinate urban and rural areas, take into account the corps, open up and enterprising forging ahead Focus on building a multi -level and comprehensive service system.

The most solemn commemoration of history is to create a glory!

It is a unremitting struggle for the most solemn commitment to the future!

In the 70 years, the wind and rain and the 70 -year -old journey showed the journey of Xinjiang Rural Credit Cooperative to strongly feel the party, listening to the party, and entrepreneurial struggle with the party, and the glorious development achievements of the original intention and remembering the mission. Jianxianjian and self -confidence are now promising and promising in the future.

Standing at a new historical starting point, the Xinjiang Rural Credit Cooperative will have a "two overall situations", the mind is "the big of the country", with a greater pattern, greater responsibility, keeping in mind the responsibilities, responsibility for the people, and striving to take a good new era. The Long March Road, the 20th victory of the party with excellent results.

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