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农总行农银发(1996)22号印发的《1996年农村信用合作工作要点》中突出强调:要千万百计扩大收入,拓宽业务领域,大力发展代理、咨询、保管、租赁等业务,提高非利息收入比重,拓展中间业务将成为农村信用社提高经营效益重要举措之一。据最近稽核调查表明,发展证券回购业务,是一项风险小,效益好的值得推广的中间业务。 金山信用合作联社从1994年11月起到今年6月底止,证券回购业务累计发生额达86190万元,期限最短3天,最长为182天。平均利率:3天为14.64％,7天为12.88％,14天为11.99％,28天为13.94％,91天为14.16％,182天为15.07％。20个月来,剔除本金后的收入共计3730.78万元,佣金、手续费等支出为81.22万元。收支相抵、净收入为3649.56万元。如以同
In 1996, Rural Credit Cooperatives Work Points issued by Nongyinfa (1996) No. 22 of Agricultural Bank of China prominently emphasized: We must do everything possible to increase revenue, broaden our business areas and vigorously develop such services as agency, consulting, custody and leasing, The proportion of interest income, to expand the middle business will become one of the important measures to improve the operating efficiency of rural credit cooperatives. According to the recent audit survey, the development of securities repurchase business is a risky, effective and worth promoting intermediate business. Jinshan Credit Cooperative Association from November 1994 until the end of June this year, the cumulative amount of securities repurchase business reached 861.9 million yuan, the shortest period of 3 days, the longest 182 days. Average interest rates: 14.64% for 3 days, 12.88% for 7 days, 11.99% for 14 days, 13.94% for 28 days, 14.16% for 91 days and 15.07% for 182 days. In the past 20 months, the total income after deducting the principal amount totaled 37,307,800 yuan and the expenses for commissions and handling fees amounted to 8,122,000 yuan. Balance of payments, net income of 36,495,600 yuan. As with