Luoyang Rural Commercial Bank System: Four “Ace” to build a financial powerhouse

Luo Meng Municipal Party Committee Standing Committee and Executive Deputy Mayor Wu Mengyu (front row left) studied in Luoyang Rural Commercial Bank

Not long ago, Luoyang Rural Commercial Bank System and Tsinghua University successfully held the first forum of the management and development of rural commercial banks - "Peony Forum", from nearly 100 domestic and county-level rural commercial banks with strong influence. More than 200 people from the chairman of the board of directors and managers of rural financial institutions have met with the Millennium Emperor, and they have made great progress in the development of the industry.

The First Rural Commercial Bank Management Development Forum

In 2016, it was a major turning point in the Luoyang Rural Commercial Bank system. In 2015, the province completed the tasks of the provincial party committee, the provincial government, the municipal party committee and the municipal government to restructure and establish the rural commercial bank. On July 29, 2016, the first provincial-level rural commercial bank in the province, Luoyang Rural Merchants The bank was listed and opened. All the rural credit cooperatives in the province took the lead in the province and successfully restructured into a rural commercial bank, and became the only farmer in the province with “one provincial municipal commercial bank + nine county-level agricultural commercial banks”. Bank square.

In 2016, Luoyang Rural Commercial Bank System ranked first in the comprehensive assessment of agricultural credit system in 18 cities in the province; in the comprehensive ranking of more than 100 institutions of the province's rural credit system, one of the cities under its jurisdiction Grade Nongshang Bank and 9 county-level rural commercial banks all entered the top 50 in the province, of which 2 were ranked first and second respectively. As of the end of April 2017, the deposit and loan balance of Luoyang Rural Commercial Bank system was 109.4 billion yuan and 62.8 billion yuan, a net increase of 16 billion yuan and 3.8 billion yuan respectively compared with the beginning of the year. The deposit and loan market share and new amount continued to be in the banking industry of Luoyang City. Financial institutions are in the first place, and agricultural loans account for more than 90% of the city's banking financial institutions, occupying a dominant position in “serving agriculture, rural areas and farmers”.

Culture gathers together and ignites entrepreneurial passion

Luoyang Rural Commercial Bank System Excellent Article Study and Discussion Event

In the office of Luoyang Rural Commercial Bank, the author saw a beautifully printed "Excellent Article Study and Discussion Activity Learning Notebook" and the "Implementation Plan for Skills and Skills" of the Excellent Article Learning and Discussion Activities.

According to the relevant person in charge of the office, the “Excellent Article Study and Discussion” activity is being carried out in full swing in the city's rural commercial banking system. The three stages of “Quality and Quality Training” – “Skills Skills” – “Methods and Methods” are being promoted in a solid manner. The atmosphere of the competition for entrepreneurship is extremely strong.

The “Excellent Article Study and Discussion” activity is only an innovative part of the “Educational Management and Rectification” activity of the Luoyang Rural Commercial Bank System. In 2010, the Luoyang Rural Credit Information Office put forward the strategic objectives of enhancing the image, enhancing its strength, enhancing its status, and increasing its income (hereinafter referred to as the “four upgrades”), and establishing the rural credit cooperatives into an “army”. The overall requirements of “school” and “family” (hereinafter referred to as “three-in-one”) have laid a solid ideological foundation for the scientific development and re-creation of Luoyang Rural Commercial Bank.

In 2012, the “education and governance rectification” (hereinafter referred to as “teaching and governance”) activities with the main purpose of rallying popularity, promoting integrity and stimulating anger was kicked off in the Luoyang Rural Commercial Bank system. From "understanding rules, making things right, going to be a person" to "speaking righteousness, willing to suffer losses, and dare to take responsibility"; from "seeking the overall situation, giving good deeds, doing something" to "establishing integrity, good game, rebuilding"; from 2016 "Follow the line, always seek change, benefit the people" to 2017 "walking, intensive farming, from the beginning". The “Teaching and Reforming” campaign, which lasted for 6 years, nourished and edified the Luoyang Rural Commercial Bank, and created a pioneering entrepreneurial atmosphere, which injected a strong impetus into the deepening reform and leapfrog development of the Luoyang Rural Commercial Bank system.

Innovative transformation mechanism to stimulate internal vitality

"For sixty years of wind and rain, we have finally realized a splendid turn from rural credit cooperatives to rural commercial banks and transformed into a new world. However, the restructuring is not the end of Luoyang Rural Commercial Bank, but the starting point for our deepening reform. The new journey, but also to 'follow the positive change'." Luoyang Rural Commercial Bank regional party group secretary Wang Tao said.

After the successful restructuring, the Luoyang Rural Commercial Bank system further accelerated the transformation of the system and mechanism, drastically carried out reforms, and leveraged the market-oriented breeze to expel administrative smog and activated a pool of spring water. The first is to implement the reform of the salary system with the basic content of “guaranteeing basic wages, benefiting wages, and rewarding wages by contribution”, inviting professional companies to design compensation systems, and assigning salaries according to positions and performances, gradually establishing and modernizing The financial enterprise system is suitable for the assessment and distribution mechanism; the second is to implement the simulated profit assessment. For the branch and the front office, enhance the accounting awareness by simulating the profit and incremental business development costs; the third is to establish a pool of reserve talents, activate the team “live water” through selection, training, use, etc., and constantly adapt to the future development of the rural commercial bank. Need.

Through the reform of the system and mechanism, the purpose is to gradually form a market-oriented operation mechanism for the survival of the fittest, which can be used for the job, the salary can be high and low, the employees can enter and exit, and the rewards and penalties are awarded, which will inject strong momentum into the sustainable development of Luoyang Rural Commercial Bank. . The transformation of the institutional mechanism has stimulated the internal vitality, and the enthusiasm of the cadres and staff to create the best competition has been effectively exerted.

Strengthen strategic cooperation and build a win-win platform

On March 9, 2017, with the successful signing of the strategic cooperation agreement between Luoyang Rural Commercial Bank and Luoyang Old Town People's Government, the strategic cooperation between Luoyang Rural Commercial Bank and Luoyang City's seven urban district governments was fully rolled out, in the service economy development. In the middle, a new pattern of mutual prosperity and prosperity has taken shape.

Luoyang Rural Commercial Bank signed a strategic cooperation agreement with Zhengwei Group

On April 27, 2017, Luoyang Rural Commercial Bank and Shenzhen Zhengwei (Group) Co., Ltd. successfully signed a strategic cooperation agreement and established a strategic partnership for the future. So far, Luoyang Rural Commercial Bank System has started strategic cooperation with more than 20 central enterprises such as CITIC Heavy Industries, Yidian Group, Tianrui Group, Zhengda Group and Evergrande Group, China Top 500 Private Enterprises and World Top 500 Enterprises. In-depth cooperation in services, technology, information, "Internet +" and other fields has laid a good foundation for sustainable development.

Since last year, Luoyang Rural Commercial Bank System has successfully docked with the China Development Bank Henan Branch and officially signed a special business cooperation agreement for the “Rainbow Bridge” project. The project is the Henan Branch of the National Development Bank to support Luoyang City to comprehensively promote the new urbanization construction. Major projects involved 23 projects in six major categories, including shantytown renovation, water conservancy construction, urban infrastructure, industrial upgrading, cultural tourism, and people's livelihood. With the advancement of strategic cooperation between the two sides, the cooperation between silver and silver has achieved remarkable results, helping to promote the rapid and healthy development of Luoyang's economy and society.

Improve service levels and shape brand image

The author came to the business office of Luoyang Rural Commercial Bank in Kaiyuan Avenue, Luoyang New District. The first floor of the business hall of more than 1,300 square meters gave us the first feeling of high-end, atmospheric and high-grade.

The robot "Yuanyuan" standing at the door greeted enthusiastically: "Hello, welcome." In the e-banking experience area, customers can handle various banking services independently; at the mobile banking counter, customers can conduct account inquiry, automatic transfer, mobile phone recharge, wealth management and other services; in the self-service area, the commissioning ticket is still being debugged. One machine, which can realize customer self-service deposit, transfer, inquiry, and purchase and collection of train tickets... This is not counted. On the left side of the hall, there is also a “book bar”, which allows customers waiting in line to read books. Learning; "Little Banker Paradise" allows customers with children to eliminate worries, small waterfalls, waterfalls down the river ... people feel like being in a warm and romantic coffee house.

This is a network with less than one year of opening. As of the end of April, the balance of various deposits reached 3.65 billion yuan. In order to create an “experienced” outlet, since October last year, the Ministry has a theme for the week, a large-scale event in January, and has held a “Health and Care Life” health knowledge lecture, “Little Banker” and “Financial Management 1+”. 1" More than 30 different experience salons and events, with more than 2,000 participants, not only effectively increased the popularity and business volume of the outlets, but also achieved close communication with customers.

This is just a microcosm of the image of the Luoyang Rural Commercial Bank system.

Since its establishment, sweeping the village, sweeping the streets, sweeping the building, sweeping merchants, sweeping the community and other comprehensive, three-dimensional grid-based precision marketing, the penetration has continued to expand, the brand image of “Nongshang Bank” has gradually penetrated the hearts of the people and won the society. Praise from all walks of life. As of the end of April, Luoyang Rural Commercial Bank had 401 institutional outlets, 783 financial self-service points, 7286 self-service machines such as ATM and POS, 4.11 million bank cards, and 356,000 online banking and mobile banking. Not only has the service of the Agricultural Bank of China reach out to thousands of households, but it has also achieved zero distance, no blind spots and full coverage of financial services.

Wang Tao, secretary of the regional party group of Luoyang Rural Commercial Bank, said that at present, the Luoyang Rural Commercial Bank system is striving for the goal of “strive for the country's advanced commercial banks”, adhering to the business philosophy of “following the principle of change”, in the new development opportunity period, according to Henan Provincial Agricultural Credit Union's "4+4" work requirements, continue to pressurize and forge ahead, use the spirit of hard work and strive to become a "financial army". (Guo Zhenhua with Hua Han Happiness)

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