Statistical problems of rural credit cooperatives

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Statistical problems of rural credit cooperatives to be desired

Are computerized. Statistical operations but credit unions in the manual handling of the financial system to retain the most primitive one is the forgotten corners of the reform, the grass-roots community still use the original hand-prepared statements to the Associated Press reported that the number of reported telephone numbers. Slow, inefficient, error and more affected by the big line. (E) statistical criteria of attribution of credit is not clear, is the use of priority or priority not clearly defined as causing a loan with two different classification methods,[link widoczny dla zalogowanych], a situation as the borrower is a farmer, but the loan is not used for agricultural industry , but rather engage in transportation, business, or engage in construction projects, such loans are not clearly classified as types; Second, the borrower is not as farmers,[link widoczny dla zalogowanych], even as the cadres and workers, but its use of the loans is the development of fish farming, cultivation of forest, it shall be vested in the agricultural credit is also difficult to draw. Second,[link widoczny dla zalogowanych], solve the problem of credit Suggestions statistics 65 (a) adjustment credit credit attribution approach to statistical coverage of credit unions to better reflect the nature of its client funds and funding sources are no longer the town all of the following deposits are grouped into agriculture deposits, but deposits in accordance with the actual nature of a unified merge, a true reflection of credit deposit sources. (B) The financial situation of the actual business development and credit unions, credit cooperatives to adjust additional subjects deposit accounts, demand deposits, this part of the business should be detailed, the proposed categories of the customer by the industry, set the appropriate accounts in order to fully reflect the development of credit unions and changes in customer mix; loans subjects, recommended by local commercial banks to set the scope to adjust accounts, one credit courses broaden the scope to point the customer should include all types of enterprises, corporate customers; Second, the use of loans into a loan according to subjects, to meet the growing credit business credit; Third, remove some old, planned economy strong,[link widoczny dla zalogowanych], were too general and practical subjects rarely occur, such as economic organization of agriculture loans (Iii) the credit support for agriculture credit to the objective reality orientation, to prevent one-sided targets in the statistics to force credit unions to but the credit to invest in the stock market has been significantly de-county, high threshold for access to credit, find the big business, tied to large customers, small and medium enterprises on the county economy, private enterprise support greatly decreased, credit remedies in this regard has been the state-owned commercial banks left vacant, and in non-agricultural industrial areas, rural demand for credit funds are limited, surplus funds a large number of credit unions, deposit excessive force credit unions to achieve 80% of agriculture loans are unconscionable and not practical. The use of funds because of its single I students,[link widoczny dla zalogowanych], there is no flexibility to adjust vertical and horizontal <Guangxi Financial Research) 2oo6 funds in jl'4 network system of degrees, with the central bank interest rates on excess reserves of the sharp decline, forcing credit unions to be strengthened credit marketing, credit market pressures than their state-owned commercial banks, county economic pressure. Therefore, agriculture should be required on the proportion of credit credit down from reality, credit unions should provide credit support for agriculture in the proportion of about 50% is reasonable. Lower percentage of indicators of agriculture, but also to eliminate the number of credit transfer to the agricultural credit in the (D) The provincial Union of leadership, management, coordination and service functions, speed up the computerization of credit statistics, the pace of building the network to proceed with electronic collection of statistical data, the network reported the software research and development work, the existing integrated business system increase the patch, the business system needs to generate consistent statistical data format, submit the program to increase the data interface and data through leased lines to the Associated Press reported, electronic automatic data collection, network transmission report, improve efficiency, reduce errors and improve credit statistics quality of work. (E) proposed the division of ownership in accordance with credit loans the farmers are not necessarily engaged in agriculture, a considerable part of the richer farmers have off farm income providers, into the enterprise. Therefore, by vesting credit loans to invest in and use as a standard is relatively more reasonable. (F) the People's Bank credit to strengthen the statistical operations guidance, supervision and line managers understand the statistics should always be the work of grass-roots level, in writing, to regulate their problems, and required the agency to play a management function within the jurisdiction verification of the correct type of problem, so the point, and promote the overall development of the work. (Contributing Editor: Wang Xuan Qing) (proof: WXQ)