Take the mass line of rural commercial banks in the new era

Countless experiences and examples have proved that the mass line is the "magic weapon" to win, and the mass line can be called the lifeline of rural commercial banks in the new era.

Liao Jianwei

In the process of coping with the economic downturn and industry competition, some rural commercial banks still stick to their origins and take the mass line as the basic line, while some rural commercial banks have departed from the inclusive customer base and deviated from their positioning. Looking at the whole province of Jiangxi and even the whole country, all the rural commercial banks that have followed the mass line well have developed well, withstood the test of market competition, and have also made great progress. Countless experiences and examples have proved that the mass line is the "magic weapon" to win, and the mass line can be called the lifeline of rural commercial banks in the new era.

The mass line is the "root" of the survival of rural commercial banks

Since the establishment of the first credit cooperative in the province in 1951, Jiangxi Rural Commercial Bank has gone through 73 years of changes, from scratch, from small to large, from weak to strong, and has now developed into a financial institution with the largest number of institutional outlets, the widest customer resources, the largest business scale and tax contribution in the province. Summing up the development experience of the Rural Commercial Bank for more than 70 years, it can be summed up in one sentence, that is, at any time, the masses are the most important wealth and the foundation for survival, development and growth.

Rural Commercial Bank has started a business in the course of hard work. After the founding of the People's Republic of China, with the basic end of the land reform, the rural relations of production underwent fundamental changes, and the establishment of a new loan system to organize and transfer rural funds, crack down on usury activities, and support agricultural production became an urgent requirement for promoting agricultural development and improving the peasants' livelihood, and also became an important task of the party and government at that time. In May 1951, the head office of the People's Bank of China held the first national rural financial work conference and decided to vigorously develop rural credit cooperatives; in August of the same year, the Jiangxi Branch of the People's Bank of China issued the "Notice on the Trial Establishment of Rural Credit Cooperatives in Each County", and in December of the same year, the first credit cooperative under its jurisdiction was established in Shahu, Nanchang County. Since then, the older generation of Jiangxi farmers and businessmen have taken the countryside as their base and served the peasant masses as their purpose, and opened the arduous road of rural financial entrepreneurship, and the overture to the development of rural credit cooperatives has been played.

Rural Commercial Bank forged ahead in the midst of setbacks and difficulties. From the end of the 50s to the mid-to-late 70s of the 20th century, the development of rural credit cooperatives suffered setbacks, gradually lost their independence and autonomy, and the fledgling Xinhe business fell into difficulties to a certain extent, with a sharp shrinkage of institutions, a large loss of personnel, and a stagnation in development. However, the older generation of farmers and businessmen adhered to the party's rural financial line unswervingly, unswervingly, insisted on coming from the masses and going to the masses, vigorously carried forward the "backpack spirit", and strived to solve the financial difficulties of poor middle peasants and social teams.

The Rural Commercial Bank has forged ahead bravely on the arduous road. The Third Plenary Session of the 11 th CPC Central Committee sounded the clarion call for reform and opening up, and the rural credit cooperatives, which had experienced setbacks, also ushered in new development vitality. In 1979, the State Council decided to restore the Agricultural Bank of China, and the credit social network was managed by the Agricultural Bank of China, and then carried out reforms with the "three characteristics" as the main content, such as restoring the mass nature of organization, the democratic nature of management, and the flexibility of operation. Jiangxi Provincial Rural Credit Cooperatives took the lead in implementing the business contracting responsibility system in the country and achieved remarkable results, relying on the strength of the masses, from fund raising, organizational structure to operation and management, there are the people figure, in the support of the people's foundation, and gradually embarked on the road of accelerated development.

The mass line is the "soul" of the development of rural commercial banks

Upholding the party's leadership is the "root" of the agricultural and commercial undertakings, and adhering to the mass line is the "soul" of the agricultural and commercial undertakings and the fundamental prerequisite for doing a good job in all work. A great cause needs a great spirit, in the early days of the difficult working environment and poor office conditions, the older generation of farmers and businessmen adhering to the masses "eat, live, work" of the "three together" feelings, carry forward the "dew, sweat, mud" spirit of the "three water", practice the "hand, mouth, legs" of the "three diligence" style, practice the "iron account, iron abacus, iron regulations" of the "three iron" requirements, give birth to the precious, The cultural heritage and the spirit of agribusiness have become a powerful force to lead and promote the continuous progress of agribusiness.

Enhance the ideological realm of "sacrifice and ambition, dare to teach the sun and the moon to change the sky". Farmers and businessmen are born with the tenacity of not being afraid of challenges and striving for first-class, which is the core of the development and growth of agricultural and commercial undertakings. In recent years, the Rural Commercial Bank of Yichun District has always taken the promotion of high-quality leapfrog development as its primary strategy, formulated a five-year plan for strategic transformation in 2020, effectively carried forward the spirit of "three sames, three waters, three services, and three railways" in the new era, and made good use of the "magic weapon" of mobilizing the masses, relying on the masses, and connecting with the masses. As of the end of March, the balance of deposits was 145.077 billion yuan, an increase of 7.591 billion yuan, or 5.52%, and the deposit market share was 25.28%, and the balance of loans reached 112.317 billion yuan, a net increase of 4.543 billion yuan, or 4.22%, and the loan market share was 23.78%, further accumulating the stamina for high-quality development.

Cultivate the feelings of the family and country of "some small Caozhou county officials, every branch and leaf is always concerned". The surname of the Rural Commercial Bank is "Nong", and it has a natural blood connection with the peasant masses. As of the end of March, more than 25% of the city's agriculture-related loans, more than 40% of inclusive small and micro loans, more than 50% of entrepreneurial guarantee loans, and more than 85% of small loans for poverty alleviation have been issued, continuing to write a new chapter in the development of rural commercial banks in the new era. Yichun Rural Commercial Bank adheres to the people-oriented, actively practices social responsibility, and effectively enhances the value, emotional and work identity of the majority of cadres and employees and all relevant parties to the Rural Commercial Bank.

Practice the fine style of "the edge of the sword is sharpened out, and the fragrance of plum blossoms comes from the bitter cold". For the agricultural and commercial undertakings, whether it is walking the streets and alleys, entering the village and entering the household, or the "four sweeps" service, external marketing, or the transformation of inclusive finance, or the application of the "three-capital platform", it is a vivid portrayal of the farmers and businessmen who are not afraid of hardships and have the courage to challenge at different historical stages. In recent years, the Rural Commercial Bank of Yichun District has always adhered to the clear orientation of taking on practical work, encouraging and guiding the majority of cadres and employees to focus on key tasks such as serving the real economy, preventing and controlling financial risks, and deepening financial reform, and grasping the promotion and implementation with the "nailing spirit", and gradually forming a series of practical exploration achievements such as "hard work and long-term success", "three districts and one park", "company + retail", "expansion, quality improvement and efficiency increase", and promoted a series of major measures to take root and achieve results.

The mass line is the "foundation" of the strength of the Rural Commercial Bank

Over the past 70 years, the achievements made in the reform and development of the Rural Commercial Bank have been inspiring, and the accumulated experience of the mass line is precious, and the enlightenment obtained is extremely profound. These experiences and enlightenments are valuable assets and "magic weapons" for doing a good job in future work, and we must cherish them, persist in them for a long time, practice them in depth, and carry them forward. On the new journey, the Rural Commercial Bank should closely rely on the people, adhere to the fundamental purpose of serving the people wholeheartedly, stand firmly on the people's position, implement the party's mass line, practice the people-centered development thinking, and fully demonstrate the "people's nature" of finance with the excellent practice of inclusive finance in the new era.

Unswervingly adhere to the support of agriculture and small enterprises, and consolidate the foundation of the line. Since its birth, Yichun Rural Commercial Bank has always adhered to the purpose of serving the "Three Rurals" and its mission of supporting agriculture and small enterprises, and has launched a series of service brands such as "Small Agricultural Loan", "Rural Revitalization Loan", "Entrepreneurship Guarantee Loan" and "Chengshang Credit Connect", and has established the market position of the largest "Three Rural" financial service provider, small and micro financial service integrator and inclusive financial service provider. In recent years, we have further calibrated the course coordinates, unswervingly promoted the in-depth development of supporting agriculture and small enterprises with firm strategic determination and pragmatic work measures, and continuously consolidated the foundation for business development. Practice has fully proved that supporting agriculture and supporting small enterprises is the greatest advantage and the strongest confidence in the development of agricultural and commercial undertakings.

Unswervingly adhere to the quality and efficiency orientation, and keep the foundation of solid practice. In the course of 70 years of development, some rural commercial banks have lost their direction in stages, detached themselves from the masses, lost their original aspirations, and deviated from their original positioning, resulting in the heavy burden of a high proportion of non-performing loans and a large number of losses over the years, and becoming high-risk institutions. In recent years, the Rural Commercial Bank of Yichun District has carried out a three-year action of total quality management, launched a tough battle to resolve bad risks, and achieved steady progress in business development, steady improvement in quality and efficiency, and stable improvement in regulatory indicators. As long as we always adhere to the principle of quality first and efficiency first, lay a solid customer base, take the mass line well, pay more attention to high-quality development, and win by quality, the Rural Commercial Bank will be able to promote the steady and far-reaching development of the cause and create achievements that can stand the test of history.

Unswervingly adhere to reform and innovation, and open up the foundation of forcibness. The fundamental secret of the agricultural business industry to get out of the predicament and succeed lies in the continuous deepening of reform and innovation, which has continuously enhanced the endogenous driving force and stimulated the vitality of development. Especially in recent years, the rural commercial banks of Yichun District have always adhered to the guidance of reform and innovation, and implemented the inclusive transformation strategy with "three districts and one park" as the main carrier, especially the construction of the "three capital platforms" and the transformation and application of achievements, which have provided useful exploration and practice for the rural commercial banks under its jurisdiction to truly transform the massive rural collective funds, rural collective assets and rural collective resource data obtained into the needs of rural commercial banks' business development, customer development and transformation and development.

The mass line is the "string" of rural commercial banks' inclusiveness

Inclusive finance is the great cause of "reform and opening up" of rural commercial banks, and it is necessary to earnestly improve its political position, adhere to the people-centered development philosophy, tighten the "string" of the mass line, seek truth from facts, study hard, strictly abide by the rules, take the promotion of common prosperity as the starting point and focus of financial work, and promote more financial resources to tilt towards the key areas and weak links of economic and social development, so that the fruits of financial development can benefit the people more and more fairly.

Emancipate the mind and strengthen the "string" of "true grounding". Persisting in proceeding from reality in everything is the starting point and end point for the Rural Commercial Bank to think about problems, make decisions, and do things. To carry out concrete work, it is necessary to do in-depth investigation and study in a down-to-earth manner, and avoid being superficial and mere formalities. Team members should keep their eyes downward and their feet downward, often swoop down and sink to the front line, and really understand the situation. Now communication is very developed, and you can learn a lot about the situation by making phone calls, sending WeChat, and reading materials, but after all, there is a layer of separation, and there is no real and vivid discussion of on-site viewing, listening face-to-face, asking directly and "gossiping". The "down-to-earth" research methods of "squatting research" and "dissecting sparrows" commonly used in the past are still worthy of praise. At the same time, we must not only "enter" the grassroots, but also "heart" the grassroots, listen to the truth, investigate the truth, really study the problem, study the real problem, do not engage in show-style research, bonsai-style research, dragonfly and water-style research, we must work in-depth analysis and thinking, to extract the essence from the rough, to the false and the true, from this and the other, from the surface and the inside, to find the essence and law of things, and find the solution to the problem.

Study hard and practice hard, and tighten the "strings" of "skill panic". At present, the Rural Commercial Bank is in an era of unprecedented change, and is engaged in a great cause that has never been done before. Young cadres are full of energy, active thinking, and strong receptivity, and are in a good period of developing their abilities and talents, so they must cherish their time, live up to their time, study with hunger and thirst, and keep improving. It is necessary to carry forward the spirit of "squeezing" and "drilling", read more books, read good books, draw wisdom and nourishment from books, and cannot disdain to study because of feeling good about oneself, cannot relax study under the pretext that one is too busy with work, and cannot cope with study for the sake of window dressing. To do a good job in studying, there is a question of "what to learn and how to learn." Cadres should study in light of the needs of their work, learn what they do, and make up for what they lack. It is necessary to study Marxist theory, especially the party's innovative theory in the new era, learn basic knowledge in economic, political, legal, cultural, social, management, ecological, international and other aspects, learn new knowledge and new skills related to doing their own work well, and constantly improve the knowledge system necessary for performing their duties and responsibilities.

Strictly abide by the rules and adhere to the "string" of "not exceeding the bottom line". To talk about rules and abide by the bottom line, we must first have a sense of awe. Only when the heart is fearful can we stop talking and stopping. Only by knowing awe, guarding against fear, and guarding the bottom line, can we "always walk by the river, that is, not wet our shoes". It is not easy to train a cadre, and if a cadre fails to keep the bottom line, fails to grasp himself, and embarks on the evil road of violating discipline and law, he will fail to live up to the party's cultivation and trust, and his life and family will face disasters. Therefore, financial practitioners must exercise strict self-discipline, keep in mind their professional ethics, and must never be confused by self-deception of "the moon is dark and the wind is high and no one can see it"; they must not lose their way in the rhetoric of "you know that I know the heavens and the earth know", they must not take risks in the luck psychology of "seeking wealth and danger", and they must not act recklessly in the erroneous understanding that "the law does not hold the people accountable." It is necessary to ring the alarm bell for a long time, examine my body three times, and always tighten the "string" of discipline and rules.

On paper, I finally feel shallow, and I never know that I have to do it. Grasping implementation is an extremely important link in the work of party members and cadres, a fundamental requirement for implementing the party's ideological line and mass line, and an important indicator for judging the strength of the party spirit of party members and leading cadres. In the practice of inclusive finance serving rural revitalization and common prosperity in the new era, it is necessary to continue to carry forward the "nailing spirit", and with the real strength, the ruthlessness of daring, the ingenuity of grasping, and the tenacity of grasping often, hammer after hammer, step by step, accumulate more size of work, ensure good work, practice practical results, and fulfill the responsibility of loyalty and diligence, so as to promote the rural commercial bank in Yichun jurisdiction to enter the "fast lane" of high-quality leapfrog development.

(The author is the secretary of the party group of the Yichun district of the Jiangxi Provincial Union)