Consolidated Reports Of Condition And Income For: Fill & Download for Free

Yes, in some cases. For example:The Federal Financial Institutions Examination Council (the "FFIEC") approved a reporting requirement, effective October 1, 1989, to use push down accounting in certain acquisitions of national banks, state member banks and insured state nonmember banks. This reporting requirement is an addition to the Glossary to the Instructions to the Consolidated Reports of Condition and Income ("Call Report") .

Because China is indeed a developing country, China is also a country with a low average income. We do not think China is an advanced country.Many people come to China to see the big cities in China. Indeed, the developed degree of big cities has far surpassed that of Europe and America. With all due respect, no offense, I have been to the United States and based on my investigation of European countries, I really don't think there are several places in Europe that are more developed than the coastal cities in eastern China.Yes, China's GDP is indeed the second largest in the world, and its economy has grown rapidly for nearly 40 years. China is far ahead of the neighboring countries in various indicators. China's system and model have brought great development to China, and at the same time, Chinese people have become more and more confident.Once China was very worried about the neighboring countries, especially the western countries think less of China. This is a very easy-to-understand mentality. When your strength is really insufficient, you will really worry about being despised.Let me give you an example.In the 1980s there was a TV series called "Warrior fearless", which attracted many Chinese people to watch. This is a TV drama about Chinese Kong Fu. At the beginning of the 20th century, China was called "sick man of East Asia" by foreigners, and the protagonist of Jingwu Hero is a Chinese who is proficient in Kung Fu. It tells how this man defeated the Japanese in the fighting.On the board said: "sick man of East Asia"Today, Chinese people no longer need such TV dramas to boost their confidence. Because self-confidence itself is a kind of mood or emotion, the source of self-confidence is strength. In particular, China has suffered a hundred years of humiliation, and the confidence of Chinese people has been shattered. Now the Communist Party of China has reshaped the confidence of Chinese people.I give this example to tell you that today's Chinese people can know themselves more clearly and objectively. Today's China has indeed made outstanding achievements, but today's China still has a long way to go, and today's China still has many problems to solve.First, there are still many Chinese people who are not living well, even being poor.When you have seen those photos, do you think China is a developed and advanced country?China has a population of 1.4 billion, and any small problem multiplied by 1.4 billion will become a major strategic problem. And any huge problem divided by 1.4 billion will become a small problem.The report of the 19th National Congress of the Communist Party of China pointed out：As socialism with Chinese characteristics has entered a new era, the principal contradiction facing Chinese society has evolved. What we now face is the contradiction between unbalanced and inadequate development and the people's ever-growing needs for a better life.Today, the development gap between eastern and western China is very large. How to solve the problem of people's lives in western China is what we need to solve at present. We can't just be satisfied with the development of eastern China, we can't just see the life of the rich, but we should be more comprehensive, see the present situation of western China and see the life of the poor.党的十九大报告双语全文This is the Chinese and English version of the report of the 19th CPC National Congress. Don't blindly attack the Communist Party, because up to now, I really haven't found any foreigners in Quora who have actually read the documents of the Communist Party. This report is very long, but when you read it carefully, you will find that the Communist Party has a very accurate grasp of China's current domestic and international situation. I know that most foreigners are anti-communist, but remember, you need to know them before attacking, otherwise the attack will be meaningless.Second, Chinese people never worry about poverty. What Chinese people worry most about is the lack of fair opportunities.There is an old Chinese saying, "Don't worry about poverty, but worry about unfairness."（不患寡，患不均）Gini Index World Map in 2014File:2014 Gini Index World Map, (https://commons.wikimedia.org/wiki/File:2014_Gini_Index_World_Map,_income_inequality_distribution_by_country_per_World_Bank.svg)income (https://commons.wikimedia.org/wiki/File:2014_Gini_Index_World_Map,_income_inequality_distribution_by_country_per_World_Bank.svg) inequality distribution by country per World Bank.svg (https://commons.wikimedia.org/wiki/File:2014_Gini_Index_World_Map,_income_inequality_distribution_by_country_per_World_Bank.svg)Gini IndexStatistics can tell us that before 2014, China's Gini coefficient has reached a very dangerous edge. This will mean that the polarization between rich and poor is getting bigger and bigger, the poor will get poorer and the rich will get richer. This is definitely not a good phenomenon. If the Gini coefficient continues to rise, the hope of this country will become smaller and smaller.According to the statistics of the United Nations in 2012, the ratio of poor people in the world, the proportion of residents whose daily income is less than US$ 2 in various countries or regions in the world.File:Percentage population living on less than $2 per day.jpgGini Index World Map in 2019File:2014 Gini Index World Map, (https://commons.wikimedia.org/wiki/File:2014_Gini_Index_World_Map,_income_inequality_distribution_by_country_per_World_Bank.svg)income (https://commons.wikimedia.org/wiki/File:2014_Gini_Index_World_Map,_income_inequality_distribution_by_country_per_World_Bank.svg) inequality distribution by country per World Bank.svg (https://commons.wikimedia.org/wiki/File:2014_Gini_Index_World_Map,_income_inequality_distribution_by_country_per_World_Bank.svg)But in 2019, China's Gini coefficient began to decrease, which is a very positive signal. It means that the polarization between rich and poor is being artificially controlled. Different from western free countries, China has the most powerful control power in the world, and the Communist Party can impose interference on the income of the rich and the poor based on the Gini coefficient. Is interference good or bad? It is definitely not good for the rich, which means paying more taxes; But it is a good thing for the poor, which means that the state will give you more money and welfare protection.So, after reading this series of data, will you still think that China is a rich country? I really don't want to say that China is rich. There are many problems in China. China is far from the standard of a developed country. China is a promising country, but now China is still poor.Do you know the living conditions of Chinese migrant workers?Do you know the living conditions of white-collar workers in China?Do you know the living conditions of Chinese civil servants?Everyone wants to live a relaxed and prosperous life, but they don't have so many resources. How many people are trading their lives for a decent life?I don't worry when I see so many poor people in my country, but when I see so many people struggling without a fair chance, I will be very worried and distressed.Third, today's China will not lose confidence because of the "China collapse theory" abroad, nor will it be complacent because of the "China threat theory" abroad. China will pay more attention to its own problems, and China hopes that every Chinese can live with dignity. I have confidence in the Communist Party of China.We are not afraid of poverty. My father was once poor and my grandfather was poorer. China was once very poor. We have our hands, we have our brains. Today, China has become rich on its own, and we are confident to eliminate poverty.I'll tell you another story.As foreigners, speaking of the Communist Party, you will definitely think that it is an authoritative rule without freedom and control everywhere. Indeed, China is a centralized country. Only when this centralization is used in the right direction, its effect is very prominent.Guess how old this man is in the middle.He is 40 years old this year, but he looks as if he is already in his fifties.This is a Communist at the grass-roots level, and his task is to "poverty alleviation". In China, "poverty alleviation" is a national strategy. Those are tasks that must be completed.This Communist may not be so good-looking, but you will find that his hair is white.The red circle indicates he was born in 1980.This Li Zhongkai is the "post-80s White Hair Secretary" in Yunnan Province, China, which attracted wide attention at the end of 2018. Now he is still busy in the front line of poverty alleviation. Li Zhongkai said that since poverty alleviation, all 12 local poor villages have been lifted out of poverty, and 1,625 households with 6,399 people have been lifted out of poverty. He said that through industrial poverty alleviation, the local walnut and pepper industries have been consolidated, especially the mango industry has become the pillar for people to get rid of poverty and become rich.With the innovation of communication technologies such as 5G in China, more and more rural areas have embarked on the way of "getting rich by e-commerce".The rural e-commerce classroom is teaching villagers how to open their own shops onlineThe rural e-commerce after-sales service centerThe rural e-commerce product display cabinetThe rural e-commerce companyThe rural e-commerce logistics centerWhat do the poor need?The answer is pretty simple:HOPE

In India over 3 Lac farmers committed suicide in last 21 years. Currently agriculture contributes roughly 17% of India's GDP which was 43% in 1970. In last 10 years, agricultural growth has been approximately 1.5% while India's GDP has grown over 7%. I was amazed to know that salary of Government primary school teacher has jumped almost 250 times in past 45 years but price of wheat has gone up only 19 times.I started my ground work by visiting couple of small villages at the outskirts of the city and simultaneously did some secondary research to understand the plight from a larger perspective.As NSSO, almost 62% farmers earn less than ?5300 per month.Just imagine, can you survive with this income for a month?The fact is this problem of poverty is nothing new but a constant part of a farmers life, going on from generations. I was amazed to know that the British had enacted "Deccan Agriculturist Relief Act 1879"So the question arises, why the situation is so bad?The answer which I found is:The Vicious cycle"There is no proper irrigation facility. Only 40% of arable land has got irrigation facility through canal and tube well & rest 60% depends heavily on rain. If monsoon fails for consecutive 2 years, there is no way poor farmer can pay his debt. The moneylender puts pressure and humiliates the farmers. Looking at his deplorable condition and no hope, the farmer decides to kill himself.Farmers get only 20%-50% of what consumers actually pay i.e. if you as consumer pay ?40 for cauliflower, the farmers gets ?8 to ?12. for it, rest goes into pockets of middlemen. Therefore this system of middlemen drastically reduces the earnings of farmers.Price fluctuation due to bad weather also hampers earning potential of these farmers. Due to less rain the produce goes down which in turn reduces earning potential.Trap of Cash Crops:To earn more, lot of farmers have moved from food grain production to cash crop production i.e. cotton and sugarcane. The good thing is cash crop cultivation can be twice or thrice profitable than food grain cultivation but then risk associated is also high as the cost of production (i.e. seeds, pesticides etc.) of cash crops is comparatively higher and if the crop fails due to poor rain or a crop disease, the farmer falls into huge debt trap and eventually commit suicide. This is the reason why farmer suicide rate in Maharashtra and Gujarat is more than UP/Bihar as more cash crops are produced in these two states.Land-Holding:Due to population increase, average land holding has reduced to 1.15 hectare in 2016 from 2.28 hectare in 1971. It is a no brainer that if land holding will reduce then income of farmer will also go down.Small and medium farmers can't afford costly high yielding seeds and inorganic fertilizers hence their productivity (produce per unit of land) is low. Bihar has maximum small and medium farmers and yield/hectare of wheat in Bihar is half of Punjab and also yield/hectare of rice is one third of Karnataka. Less production leads to low income. Poor farmers can't afford their children's basic education hence these kids have to leave schools to help their father or become laborer in cities.Infrastructure woes:As per various reports, In India 30% of farm produce goes waste. This happens because of lack of storage facility. This kind of loss directly affects potential earning of the farmers. With lack of availability of cold storage facility & unaffordability of transportation, the farmer is compelled to sell the produce at throw away price to avoid deterioration of his farm produce. This farm produce is bought by rich traders who Store it in another district's storage house and wait for prices to go up so that they can make healthy profit. Storage facility near to farmer would have helped him store his produce and wait for the right time to sell.Lack of awareness and lack of advanced methods:Lack of awareness about right quantity of usage of fertilizer increases cost of production with increased yield. NPK consumption ratio was 4.3 : 2 : 1 in 2001 which has become 8.7 : 2 : 1 in 2015. This clearly shows that farmers are using more nitrogenous fertilizer (urea).Whenever a country faces any natural disaster like Flood, draught, hail storm, cyclone etc. the farmers are the one who are worst sufferers as their standing crops get destroyed heavily which in turn affects their incomes.Our social system also harms our farmers. As per few studies, the maximum reason of debt trap is daughter's marriage expenditure and funeral expenditure of family members. Both are society made problems.Do you know with lesser cropped area, China produces 600 metric ton of food grain compared to India's 270 metric ton. Wheat productivity in France is 3 times more than India. These examples clearly show that there is huge scope of improvement in our farm productivity which in turn can increase farmers' income levels.So what are the solutions?Market access facilities:Integration of Mandis through internet so that farmers can get to know where they should sell to get maximum price. Replication of Karnataka's "Rashtriya eMarket Services Pvt" ( like eNAM) to all India will definitely help all the farmers of our country.More Cold storage and Warehouse facilities in the vicinity of farmers must be made so that he can store his produce and wait for better return.More accountability by Agriculture establishments:More funds should be allocated to Agriculture research bodies like Indian Council of Agriculture Research (ICAR).Krishi Vigyan Kendra (KVK) were established to support farmers to adopt new techniques of agriculture but their ground work is also inadequate. Currently there are more than 650 KVKs established in India. Better monitoring and KRA based performance management of these KVKs will bring more result.Agriculture Universities were established in 1950s with idea of solving local problems but to the contrary the quality of research being done by these universities are below par, even the farmers living in their neighborhood aren't yet benefitted by these. Let these Agricultural universities prove that how they have made life of farmer better with their research findings. Research outcome by ICAR, KVK and Agriculture Universities is really low. Government must constitute body like the CAG to audit these bodies on parameters like actual research outcome. Strict action must be taken for slackness in research because the affected party is the poor farmer.Awareness drive:Increase in awareness about crop insurance will help farmers to negotiate natural calamity in a better way. As per sources, currently crop insurance penetration is just 15% which is very low.Farmers must be encouraged to adopt integrated farming system model i.e. farmer should grow field crop, do horticulture, dairy, fishery, Vermicomposting, mushroom cultivation and tree plantation on the boundary of the fields. These will give them incremental earnings.Soil health card is excellent project of Govt. to help farmer to know which nutrient is missing in his field so that he can put only that specific nutrient fulfilling fertilizer. Currently farmers put each and every possible fertilizer which increases his input cost.Government role:Through legislation there should be cap on interest being charged by money lenders. It can be RBI's Prime lending rate plus maximum 7%. This will help poor farmers to avoid unnecessary burden of interest.High yielding varieties must be subsidized by Govt. so that marginal farmers can also increase their output and eventually their incomes.Currently in most of the states the farmers lands are distributed at different places. Consolidation of land holding will help farmers to save time, money and energy.Govt. must increase spending on increasing irrigation cover for long term benefit of farming community and the country.Remove/reduce middlemen through directly connecting end user with the farmer. Here startup can help by making an app enabling direct purchase from the farmer increasing his income.In order to curb inflation, it seems to me that Government deliberately wants to keep farm produce prices low. This policy adversely affects farming community who are most vulnerable. If a country like Pakistan (which is even poorer than India) can give more minimum Support Price (MSP) on Wheat than what India gives then off-course India can do more for farmers.Metrological department can be made proactive about rain spell forecast so that farmer can plan to sow accordingly.National Farmers Commission has submitted brilliant report in 2006 on Indian Agriculture and given almost 50 suggestions. As per my back of envelop calculation, only 40% got implemented.Government must implant all suggestions in letter & spirit. One of most important suggestion is to set MSP as 50% more than input cost of production on which Govt. is not agreeing.Studies have proved that farm mechanization has helped to increase farm productivity.Easy credit availability to farmer that too at very low interest rate like 4% will definitely help.For Indian bullet train project if Japan can give loan at 0.1% then why Govt. of India can't give loan at 4% to its own farmers who feed nation.You might be thinking if nearly half of pollution is into agriculture then by default they are most powerful vote bank and Politicians must be running behind them. Theoretically there is sound logic behind your thinking but the reality is totally different. Our Politician have divided our farmers into cast, religion, regionalism etc. so much that they are not united. This absence of unity, gives room to politicians to look other direction.The last thing is that society must understand that rituals were made to help humans to achieve prosperity but dowry and death ritual is hurting lives of poor.Though on the paper it seems Government is doing lot of things but I see big challenge in execution of those schemes hence execution will be key of success.My sincere request to you all is to become voice of voiceless so that Government prioritizes pro farmers' measures and expedite execution of policies.Looking forward for your support and empathy towards our farmers.Jai Hind!!Manoj Tripathi