Qingyang City on the progress of the reform of rural credit survey
Business establishments, employees and shareholders for inspection, but also credit unions to accept the staff and the community supervision. Second, the reform of rural credit cooperatives,
calzado mbt, the main problems (a) ownership structure is not rational, cooperative nature reflected enough. Since the reform of rural credit cooperatives,
imagenes ed hardy, carry out publicity campaign to increase their investment is progressing smoothly, faster growth of equity capital, but the investigation point of view, investors basically shares naturally-based, single investors, equity structure is not reasonable, is not conducive to establishing a sound corporate governance structure,
abercrombie kids uk, to realize a modern enterprise management mode there are still some obstacles. (B) the replacement of non-performing loans of special bills clear income is difficult, progress is slow. Progress from the current situation, special notes on the replacement of non-performing loans, the clear income remains slow. Mainly due to non-performing loans of rural credit cooperatives are mostly (C) the shares allocated a higher proportion of cash dividends. According to the survey, the end of 2005, the average dividend payout ratio Xianlian money paid for shares of more than 6%. Can be seen, the high proportion of credit money paid for shares of dividends, if the proportion of future dividends cut,
hollister coupons, will reduce the expected return to shareholders, may lead to the occurrence of withdrawal will affect the stability of money paid for shares. (D) disclosure of information not yet in place. Rural credit cooperatives are not operating in strict accordance with the provisions of the disclosure system, and some only the information disclosure statement posted on the main outlets, some credit unions had no disclosure report, the annual operation and institution building, etc. none of the text. (E) low level of electronic applications, financial services is not high. See from the current status of rural credit cooperatives, are poorly managed,
cheap ed hardy, poor infrastructure, low-tech, billing, backward, single credit facility, deposit and withdrawal can not be achieved, sources of information is slow, the channel less and can not provide policy for the farmers market information, practical financial advisory services, agricultural technologies, the service level is not high. (F) the quality is not high, it is difficult to adapt to the rapid development of rural credit cooperatives. Credit management personnel must possess extensive experience in bank management and bank management system of modern knowledge, with a considerable level of expertise and business experience lT for, but the current situation, the person most comprehensive rural credit cooperatives low quality, meet business demands, keep up the pace of the rapid development of rural credit cooperatives. Third, the deepening of rural credit cooperatives reform (a) adhere to investors diversify, and further optimize the capital structure. Rural credit cooperatives to strengthen publicity and continue to broaden the scope of shares, for more active shares. On the one hand to increase the proportion of peasant stock, the other to raise the proportion of corporate shares. (B) increase the degree of clean energy close to push the non-performing loans declined. Should make an inventory of the stock of loans to rural credit cooperatives to improve their asset quality as the top priority now for the main _T. First, increase the responsibility of assessment efforts. Second is to further increase the administrative, economic, legal clear close degree of vitality. Third, the People's Bank and the Banking sector of the rural credit cooperatives to strengthen the supervision and inspection. 1 (c) to determine the proportion of scientific and reasonable capital stock dividends. Rural credit cooperatives in the original basis, and constantly improve the profit distribution system, focusing on improving the capital stock bonus system, which guaranteed the stability of money paid for shares, the shareholders do not only help to guide investment, but also conducive to the sustainable development of credit unions . (D) to accelerate the pace of electronic technology to improve service quality agriculture. Enhanced through reform of rural credit cooperatives as the First, should accelerate the pace of electronic technology for grass-roots work to create a good platform for credit unions. The second is to recognize the importance of service quality agriculture. As to speed up the construction of electronic financial services to promote rural credit cooperatives to improve and enhance their competitiveness, an important means to achieve sustainable development. (E) improve the information disclosure system, enrich the disclosure. Credit reform of rural credit cooperatives in accordance with the requirements of the implementation details,
ed hardy t-shirt, etc., to further establish and improve the information disclosure system, the annual operating and other conditions to have the text of the report, published in outlets and easy access to the shareholders, the shareholders a better understanding of credit cooperatives operating conditions, to better participate in the operation and development. (F) create a favorable environment for the growth of talent, improving the employment mechanism. First, to improve the overall quality of staff to the core, a planned, purposeful, organized various training study to enrich employees financial law, science and technology knowledge. The second is to promote development as a starting point to expand their horizons, lined up four people,. The third is to enhance creativity, reforms, and establish and improve the incentive mechanism. Fourth, improve the pay distribution system. Bin (Author: Qingyang, Gansu Province, Branch Banking) 2001 04 / Total No. 198
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