Stable characters are incorporated into the new pattern to do new development

The Youth League Committee of Enshi Xingfu Village Town and the Enshi Financial League Working Committee jointly carried out public welfare activities -donate clothes to Tibet Rob's Love Public Welfare Platform.

The Bank of Enshi Xingfu Village Town was awarded the "2021 Innovation model Unit Case".

Employees of Enshi Xingfu Village Town went deep into the fields and checked crop growth with grape growers in Jianshi County Gong Tank Village.

In the past 15 years, a saplings have grown into towering trees, and a young child has grown into a jealous teenager, and an early heart has illuminated the dream of blessing people. In Enshi Prefecture, Western Hubei, the Bank of Enshi Xingfu Village, taking root in the local area, serving the countryside, using the affection and helping farmers and helping the original heart. Development style.

In August 2007, the group company Changshu Rural Commercial Bank sowed the seeds of cultivating village banks to Xianfeng County, Enshi Prefecture, and "Xingfumeng" began to take root. In July 2008, Changshu Rural Commercial Bank established Enshi Chang Rural Commercial Village Bank in Enshi City. In December 2010, the establishment of Enshi Village Bank was merged to become the first city -level total village -level village and township bank in Hubei Province; in March 2016, it was renamed Enshi Xingfu Village Bank. In September 2019, Xingfu Village Bank, the first investment management village and township bank, which was initiated and controlled by Changshu Rural Commercial Bank, unveiled and opened, with a registered capital of 1.83 billion yuan. Since then, Xingfu Village Bank has received Xinxin's prosperous "Xingfu Fire", shouldered the responsibility mission of managing Xingfu Village Bank, and established the brand image of "prospering hundreds of industries, Furun Wanjia" across the country. At present, he controls and manages 30 legal entities in Hubei, Jiangsu, Henan, Yunnan and other places. As of the end of 2021, the asset size of the village banks of Xingfu Department reached 41.6 billion yuan, the total loan amount reached 30.2 billion yuan, and the total deposit amount reached 34.1 billion yuan. The group company Changshu Rural Commercial Bank also has strong strength. As a joint -stock rural financial institution with a history of more than 60 years and the first batch of joint -stock -based rural financial institutions in the country, it was successfully listed in 2016 (stock code: 601128). At the end of March 2022, the total assets of Changshu Rural Commercial Bank reached 268.7 billion yuan, with a total deposit of 204.3 billion yuan, and the total loan was 173.1 billion yuan. Recently, the "2022 China Fortune 100 List" released by the China Banking Association ranked 81st, ranking first in county -level agricultural and commercial banks across the country. The middle jumped to 419 places showed good strength.

As the earliest village bank in the Xingfu Department, after nearly 15 years of hard work, Enshi Xingfu Village Bank has grown into a rural financial institution with a certain strength and good reputation. The bank has won the title of "National Top 100 Villages and Towns" for 7 consecutive years, and has also won "National AAAAA Village Bank", "Serving the Outstanding Villages and Town Banks of the Three Farmers and Small and Micro -Enterprises", "Star of Financial Services Grid", "Supporting Advanced to Rural Rejuvenation Advanced Units "" National Top 100 Units of Village and Towns Bank Comprehensive Service Competence "and" Top 10 Units of Top 10 Brand Value of Village and Town Bank ".

The party building leadership, really do the foundation and do the foundation

Under the leadership of the party building, the bank, overall development and security situation, adhere to the general tone of steady progress, and lead the banks of Enshi Xingfu Village and Town along the rails of high -quality development. Through various measures, the bank has deeply integrated the party's construction and business development, grasped ideological construction, and carried out the "branch theme party day" on a monthly basis to combine theme education learning with monthly business analysis; As the core of cohesion, the party organization personnel are adjusted to achieve a more sound and standardized organizational construction, creating a new situation of entrepreneurial entrepreneurship; grasping the team building, continuously carrying out party members' "bright identity, bright duty, bright service" Construction of work style, focusing on changing work style, resolutely curbing the poor, crispy and unknown bad atmosphere, and carrying out various tasks in order to seek truth and pragmatic work style; grasp the party's work style and clean government, promote party members and cadres to take the lead in observing the discipline, diligence, integrity, integrity, integrity, integrity self-discipline. The bank's general branch has successively carried out party building and co -construction with the Party Branch of the People's Bank of China, the Party Branch of the Airport Road Community, and the Gengjiaping Community to achieve grassroots work interaction and resource sharing. The bank's "financial education demonstration base" was awarded the "Hubei Financial Education Demonstration Base" by the Wuhan Branch of the People's Bank of China, becoming the first financial education demonstration base in Enshi Prefecture.

Strengthen the internal control, the company's governance is stable and effective

The bank focuses on the "three optimizations", firmly grasped the company's "bull nose", continuously improved the company's governance quality and efficiency, and strived to create a qualified market entity. Optimize the top -level design, after continuous development, gradually establish a corporate governance mechanism of "the highest decision -making decision -making, the strategic decision -making of the board of directors, the implementation of executive implementation of the executives, and the supervision of the board of supervisors in accordance with the law". Optimize equity management, strengthen the qualification review of shareholders' shares, take the lead in promoting the completion of equity custody, and promote the standardization and professionalization of equity management. The bank's shareholder structure is concise and clear, and the initiative to hold 54.16%of the shares. ; Optimizing the construction of the system, a sound institutional system is the guarantee of promoting the stable development of various businesses. The bank focuses on the establishment of a chapter system, and establishes a good operating mechanism of "regulations and chapters" internally. It has effectively transformed the system advantage into governance efficiency, effectively enhancing the "body" immunity. Based on the "stable operation", the comprehensive strength continues to increase. At present, the development tasks are arduous and significant. Enshi Xingfu Village Bank holds up the banner of party building, full of feelings to serve the local economic development, and deal with it with scientific strategies. The people live a good life together. "The various businesses have developed steadily, and the comprehensive strength continues to increase. At present, the bank's total assets are nearly 10.9 billion yuan, the balance of deposits is nearly 9.3 billion yuan, the loan balance is nearly 7.4 billion yuan, and the total number of loans is nearly 42,000, an increase of more than 6,500 households from the beginning of the year, with average households of 1790,000 yuan. The total number of deposits is nearly 220,000, an increase of more than 17,000 households from the beginning of the year. Since its establishment, more than 450,000 customers have served and loan customers.

Help to revitalize, the support of the agricultural branch is small and precise

Serving the "two smalls of agriculture and rural areas" is the original mission of the bank. Since its establishment, the bank has always adhered to the differentiated business route of "small and scattered", and adhered to the business philosophy of "doing small, not to do so, does not do nothing, do soil and does not do foreign", is "two small, farmers, rural areas, two small". " Customers provide accurate and powerful financial services. The first is to deeply cultivate the countryside and serve the "agriculture and rural areas". The bank's agricultural loan balance is 5.726 billion yuan, accounting for 77.67%of the balance of various loans, which is higher than the average loan growth rate of 0.90 percentage points; The balance was 2.882 billion yuan, accounting for 39.09%of the balance of various loans, which was higher than the average loan growth rate of 2.37 percentage points. Administrative village, a total of 500 million yuan is added to 6669 households from the beginning of the year; the third is to continue to implement the "four sinks". The bank currently has 35 business outlets and 23 financial services. Enshi Prefecture has established a "financial village official" team with a "financial village official" team with the role of rural finance "replenishment". Relying on Xingfu Station, it continues to implement grid management, and towns, villages, and finance The blank area continues to sink.

In 2021, the bank was selected as a typical case of inclusive finance in China Banking in China with "Credit Village Credit to help rural revitalization" the "Acceleration".

Steady growth, help protect the economic market

The bank maintains a high sense of responsibility and urgency to maintain the economic market, and launch a policy combination of "lowering, relief, excellence, and help".

Downside: The bank actively responded to national policies, and launched the re -loan product "Fuye Loan" and "Fu Credit" that targeted the service industry to reduce interest and reduce interest rates for small and micro enterprises. The bank's various characteristic credit products are not less than 10%based on the original loan interest rate, and the interest rate reduction of 60bp-180bp is ranging to ensure that the differentiated financing demand can be met, and the service industry within the jurisdiction will be restored to production and operation in an all-round way. The bank takes the initiative to reduce the cost of corporate costs, exempts a variety of settlement fees, annual fees, SMS service fees, and cross -bank fees, and uses "self -assessment" reduction evaluation and mortgage registration for mortgage loans for less than 3 million yuan. In 2022, the bank's mortgage customer reduction and exemption assessment fee was 490,700 yuan, and the costs for customers and small and medium -sized enterprises to reduce various costs of more than 212.88 million yuan.

Smooth: Since the outbreak of the epidemic, the bank has developed anti -epidemic credit products, and conscientiously implements the extension of the repayment of the principal and interest payment policy according to the requirements of the five ministries and commissions such as the central bank and other national five ministries and commissions. "It should be extended." Since 2020, in order to support small and micro enterprises to resume the development, the bank has handled a total of 3064 repayment and repayment of 3064 repayment, with a amount of 1.529 billion yuan, and a total of 5286 customers who affected credit reporting for the credit reporting for the recruitment of credit reporting.

Une: "Hiro as a guest, excellence to excellence" is the service concept of the bank, and providing customers with "efficient, high -quality, convenient, and warm" financial services is the mission of every blessing person. The training, supervision, and spot checks that run through the year have improved the importance of employees' attention to high -quality services. The attention of each customer's complaint has made customers see the bank's sincerity and confidence. Regardless of the mountain high roads, the customer manager of the bank can take the initiative to come to the top of the urgent need for customers to solve financing. It is precisely because of the cherishment of each customer that the bank has won the "A -Class" for the protection of the rights and interests of financial consumer rights for three consecutive years. good grade.

Assistance: While obtaining its own long -term development, the bank has also used practical actions to nurture the society, and has paid a total of more than 280 million yuan in taxes for a total of more than 280 million yuan. The bank has carried out supplies donation activities in Tibetan areas for three consecutive years, with a total donation value of more than 200,000 yuan. The bank has long helped Longbao Elementary School in Longfeng Town, Jianchihuantan Primary School, and special schools in various counties and cities. In 2021, Xinzhi supported Baiyangping Town Ji Zidu Elementary School, donated 1 campus broadcasting system, 80 sets of tables and chairs, and 12 sets of teachers' accommodation beds. From no one in 10 years ago to the city of the Gate, along the way, the Bank of Enshi Xingfu Village Town has gone through bumps and stress, and also gained flowers and applause. Because of adhering to the original intention of the small agricultural branch, the bank always kept state support from national support The original intention of setting up village and township banks to provide "three small, rural areas, two small" customers with meticulous financial services, the bank's harvest is not only the enhancement of the development strength, but also the increasing trust and dependence of the people. The land of 24,000 square kilometers shiny.

Changfeng is thousands of miles, and the light is ahead. Looking forward to the future, Enshi Xingfu Village Bank will aim at the goal of high -quality development, firmly follow the road of new development pattern, help the road to revitalize the countryside, and take the "hundred -year -old village and towns banking president" to integrate into the local economic development with a more vigorous spiritual appearance into the local economic development In the big pattern!

(Tan Xiaohong)

Review: Pan Ruikai

Editor in charge: Xu Luping

- END -