It is a village bank or a rural credit cooperative union, and it does not belong to any bank. Hunan Rural Credit Cooperatives Association is a provincial-level local financial institution with independent corporate status directly led and managed by the provincial people's government, and entrusted by the provincial government to perform management, guidance, coordination and service functions for the rural credit cooperatives in the province. Hunan Rural Credit Cooperatives Association (hereinafter referred to as "Hunan Rural Credit Cooperatives") is a provincial-level local financial institution approved by the provincial party committee and the provincial government and entrusted by the provincial government to perform the functions of management, guidance, coordination and service for rural credit cooperatives (rural commercial banks) in the province, with independent legal personality. The provincial party committee and the provincial government manage the provincial association according to departmental units. Provincial Union implements vertical management of rural credit cooperatives in the province. By the end of September, 2065438+2006, the balance of deposits and loans of rural credit cooperatives in the province was 732.6 billion yuan and 389.2 billion yuan respectively, and the total amount of deposits and loans ranked first among financial institutions in the province.

Its main functions are: to urge rural credit cooperatives to implement national financial policies and support agriculture; Formulate industry self-discipline management system and supervise its implementation; Guide rural credit cooperatives to improve corporate governance institutions and improve internal control systems; Counseling and auditing the business operation, financial activities, employment, social security and internal management of rural credit cooperatives; Urge rural credit cooperatives to elect directors and supervisors according to law, and to elect and appoint senior managers; Guide rural credit cooperatives to prevent and deal with financial risks; Guide and coordinate electronic construction; Guide staff training and education; Coordinate the relationship between relevant parties and safeguard the legitimate rights and interests of rural credit cooperatives; Organize the transfer of funds between rural credit cooperatives; Participate in the capital market and finance rural credit cooperatives; Handling or acting as an agent for capital settlement and settlement business of rural credit cooperatives; Provide information consulting services. The provincial association does not handle loans to public deposits.

After more than 60 years' development, Hunan Rural Credit Cooperatives have become the main force of rural finance and the financial link connecting farmers, playing an increasingly prominent role in supporting rural economic and social development in our province and playing an irreplaceable role. By the end of 20 13, the number of rural credit cooperatives in the province had reached 4,065, including 13 1 home, including provincial credit cooperatives 1 home, municipal credit cooperatives 1 home, offices 12, and 27 rural commercial banks. The total assets of rural credit cooperatives in the province are 532 billion yuan, of which the balance of various loans is 267 billion yuan; The total liabilities are 507 billion yuan, of which the balance of various deposits is 459.2 billion yuan.