Rural Equity Society 2019 Annual Work Report

Take advantage of the trend, deepen reform

Firm confidence, accelerate development

Struggling to create a new situation for the reform and development of the cooperative banks

-- Speech by General Manager Sun Gangsen at the 2005 Annual Party and Government Work Conference of the Agricultural Cooperative Bank

Comrades:

The main task of this meeting is to briefly review the work of the Bank in 2004, clarify the guiding ideology, objectives and tasks of the 2005 business operation, and arrange the deployment of this year's work. In turn, it led the cadres and workers of the whole bank to unify their thinking, take advantage of the situation, strengthen their confidence, accelerate development, and work hard to create a new situation for the reform and development of the ** Cooperative Bank. Below, I would like to make a few comments on behalf of the leadership of the district.

I. A brief review of the work in 2004

In 2004, under the effective supervision of the municipal association and the effective supervision of the regulatory authorities, the Bank improved its operating efficiency, improved the quality of credit assets, and improved the workforce in accordance with the overall working ideas of “effectiveness in navigation, marketing and management, and management and running”. As a goal, we have continuously strengthened deposit and loan marketing, promoted performance-related appraisal, and coordinated the relationship between deepening reform and accelerating development, comprehensively completed various operational indicators and reform tasks in 2004, and achieved sustained and steady development of business management.

1. The financial strength is constantly increasing. In 2004, the Bank's deposit work established a corporate culture as a carrier, focusing on structural adjustment, and through a series of effective measures such as strengthening performance appraisal, integrating network resources, innovating intermediate business varieties, and standardizing service soft environment, and promoting the rapid development of fundraising work. Consolidate the market share of deposits and enable all banks to achieve effective growth. By the end of 2004, the balance of various deposits of the Bank had reached 10,000 yuan, a net increase of *** million yuan over the beginning of the year; the balance of stocks reached *** million yuan, and the increase in share capital was *** million yuan. The bonus shares were completed by 107% of the plans issued by the City Association.

2. The quality of credit assets has gradually improved. In 2004, the Bank took risk control as its starting point and focused on safeguarding its creditor rights. It implemented a comprehensive responsibility collection, task collection, revitalization and reward collection. Through the implementation of the "Qing Fei non-100-day battle", the establishment of a non-performing loan dynamic management account, and actively convening a variety of effective measures such as the auction, the Bank's asset quality has been further improved. By the end of 2004, the bad and two-dwelling loans had dropped by 10,000 yuan compared with the beginning of the year, of which two loans were down by 10,000 yuan compared with the beginning of the year, and 163% and 353% of the plans of the city association were completed respectively. The loan rate decreased by 7 percentage points and 6 percentage points respectively compared with the beginning of the year.

3. Actively support local economic development. In 2004, the Bank's credit work actively developed and explored new loan methods on the basis of bigger, stronger and better micro-agricultural loan brands. Pilot launches of entrepreneurial loans and laid-off workers' reemployment loans, vigorously carried out civil service loans and personal consumption loans, and focused on supporting a number of small and medium-sized private enterprises and individual industrial and commercial households with good economic returns, products with market sales and high quotas. At the same time, pay attention to the relationship between large-scale operation and risk prevention, and clarify the loan risk management responsibility and marketing incentive mechanism. By the end of 2004, the Bank had issued a total of 10,000 yuan of loans, which was 50,000 yuan more than the same period of the previous year. Among them, a total of 10,000 yuan was issued to farmers, which contributed to supporting regional economic development.

4. The operating efficiency has reached a new high. In 2004, the Bank adhered to the working principle of loan marketing and capital operation, and achieved a new level of profitability and profitability. Through the implementation of cost control, implementation of cost assessment and classification guidance, effective implementation of bill discounting and re-discounting services, cost management tends to be reasonable, accounting standards have improved, and efficiency management and intensive use of funds have been further improved. By the end of 2004, the average capital occupation of the Bank was ***100 million yuan, increasing investment income and interest income of 10,000 yuan, and the Bank achieved a profit of 10,000 yuan, a year-on-year increase of 10,000 yuan.

5. Internal management has been further strengthened. First, on the basis of carrying out the activities of “teaching, clearing and rectifying”, improve the implementation, supervision and inspection mechanisms, implement the rules and regulations, highlight the key points of computer security management, and promote the standardization and institutionalization of internal management; The second is to strengthen the construction of corporate culture and establish a learning enterprise. Through the organization of the workers' sports meeting, the establishment of the Communist Party's activity room, and the implementation of corporate culture training and inspection, the company's culture has been promoted and the cohesiveness and centripetal force of employees have been enhanced. Third, the security and the construction of the party's work style and clean government were implemented with a level-by-level responsibility system, and the management responsibility was implemented. The science and technology innovation fund invested a total of 1.72 million yuan, which increased the intensity of security facilities renovation. At the same time, the supervision office was set up, and supervision and inspection efforts were intensified. The whole jurisdiction has achieved no accidents and no economic cases throughout the year. The fourth is to increase the work of staff education and training, and hold training courses covering various professions to improve the overall quality of cadres and workers; fifthly, the audit has been completed well. The audit and risk monitoring tasks; the sixth is to deepen the reform of the rural quota society, and achieved phased results, and completed the phased tasks of clearing capital, increasing capital and expanding non-performing loans.

Over the past year, the results have been obvious to all, and it has not come easily. It has condensed the hard work of the broad masses of cadres and workers of the whole bank, and has received strong support from all sides. On this occasion, on behalf of the leadership team of the district, I would like to express my sincere gratitude and heartfelt thanks to all of you and through you to the cadres and workers who worked hard on the reform front.

In 2004, although the work of the Bank achieved relatively good results, it was recognized and praised by the superiors. However, we must also clearly see that there are still some problems and deficiencies in the work: First, the difficulty of deposit organization work, deposit stability is weak, service products are single, competition pressure is increasing day by day; second, non-performing loan collection work Although the intensity is relatively large, there is still a certain gap with the conditions for the establishment of rural cooperative banks. There is a long way to go to do a good job in collecting non-performing loans. Third, there is still a lack of coordination between employees and reforms and business development. In particular, the mental state of some employees is still not suitable for the needs of reform and development. Fourth, the understanding and understanding of reform still needs to be further improved. The specific performance is that the work is not active, and the understanding is one-sided, which leads to negative emotions and unstable factors, which ultimately affects the realization of the goal of “reform for development”.

Second, the work guidance ideology and main work objectives of the whole bank in 2005

The year 2005 is a crucial year for reform, the year of implementation of various new policies, and a year full of opportunities and challenges. It is essential to have a good start and a good start; fast pace and high efficiency are imperative; work is too much and tasks are not shaken. This requires us to make adjustments and preparations from ideological understanding, functional transformation, and mechanism innovation. We are obliged to stand at the forefront of reform, seize opportunities and seek development, strive for breakthroughs in pragmatic innovation, and shoulder the revitalization of agricultural cooperation. The mission of the bank.

To this end, the guiding ideology of the work of the whole bank this year is: conscientiously implement the spirit of the Fourth Plenary Session of the 16th CPC Central Committee and the Central Economic Work Conference, establish a scientific development concept, focus on improving operational efficiency and accelerating business development, and firmly grasp Deepen the opportunity of reform, highlight the theme of accelerating development, strengthen human-centered management, performance management, risk management and financial management, increase the amount of assets, adhere to the reform and management, and work together to create a cooperative bank. Struggle to reform and develop a new situation

The main work objectives for 2005 are:

(1) The deposits increased by **10,000 yuan compared with the beginning of the year;

(2) The maximum increase in the year of each loan is **10,000 yuan;

(3) Non-performing loans decreased by *** million yuan compared with the beginning of the year;

(4) Processing the liquidation of the foreclosed assets to realize the realization of 10,000 yuan;

(5) The interest income of various loans is **10,000 yuan;

(6) The expense rate is controlled within 26%;

(7) book profit realized ** million yuan;

Third, the main work measures and requirements

1. Adhere to the reform as the driving force, focus on solving the problem of understanding concepts, and ensure the smooth progress of the reform work.

In 2005, the province's deepening of the rural quota social reform work has been fully rolled out. Faced with this situation, all employees of the Bank must emancipate their minds, raise their awareness, and strengthen their confidence. First, according to the needs of reform and development, we have solved the problem of understanding and conception. Now our business work has been restricted by conservative concepts. This year, the district and the bank must combine this issue and carry out the "concept update discussion" in depth. In the past, we have seized some opportunities by relying on geographical and institutional advantages, and it is these opportunities that have concealed some problems and contradictions. Now we have to build a rural cooperative bank in the true sense. Can the understanding, concepts and ideas still meet the needs of reform and development? Through discussion, what is the analysis of past development? What is the development now? Find out the advantages, solve the problem of understanding, and find out ways and measures to develop and innovate. The second is to do a good job in the preparation of rural cooperative banks. As the first batch of pilot units for the establishment of rural cooperative banks, we must prepare in accordance with the provincial regulations, especially in terms of ideological understanding, talent pool, and business. Training. We must adopt the working method of “going out and introducing”, grasping the reality, grasping the details, and grasping the results.

2. Adhere to the premise of compliance with laws and regulations, establish a marketing concept for all employees, and strive to achieve rapid and stable growth of various deposits. This year's total deposit plan has increased by 415 million yuan. It is necessary to adapt to the reform and promote development. As long as everyone establishes a business philosophy of "survive in competition, seek development in competition" in organizing deposit work, and enhance the "counter-watering, If you don’t advance or retreat, you will be able to achieve the set goals and tasks.

The focus of the deposit work is to achieve "three transformations." The first is to carry out the account manager system of deposit and loan integration, to realize the transformation of the front-end service to the background marketing, gradually establish the front-end service for the customer, and the back-end is the efficient operation mechanism of the front-end service, forming the joint force of the whole bank in the deposit market marketing. The second is to increase the work of deposit marketing, so that the deposit work should be changed from the director's organization of deposits to the marketing of all members, and it is necessary to focus on cultivating "golden customers." It is necessary to implement fragmentation, specific to people, key research methods, visit key customers, implement service tilt policy, establish a “green channel”, provide priority quality services and other measures to attract and develop a number of gold customers to open deposits with us. The third is to take into account the structure of public deposits and savings deposits, from focusing on large households to the community to absorb storage, on the one hand, there must be new breakthroughs in public deposit work. It is necessary to conscientiously implement the policy of the provincial party committee and the provincial government on "cancelling the restrictions on the opening of rural quota social institutions, and the extra-budgetary funds of administrative institutions can open accounts in rural quota agencies", actively seeking support from party committees and governments at all levels, and coordinating relevant departments. Work, while ensuring that the agriculture-related departments and enterprises open accounts, strive for party and government organs, enterprises and institutions to open accounts, especially to develop active public relations for the development of land acquisition. From the current point of view, the allocation of land accounts affects us. The stability of deposits is only the reason why the number of households is small and the time difference is insufficient. We can't take advantage of the great opportunity to occupy the land in the southern part of the Expo and the land acquisition of the World Expo, and make great efforts to do a good job in marketing. On the other hand, we must base ourselves on the community, optimize the layout of outlets, innovate the types of deposits, and focus on the publicity work of the rural quota society. We can hire community association staff to help the reservoirs and work hard to develop family-friendly services.

There should be new breakthroughs in the middle business. To carry out intermediary business, we must closely follow the market dynamics, implement an effective intermediary business development strategy, and choose a breakthrough in the intermediary business. We must use the decentralized department as the main direction of the intermediary business market, and indeed carry out the collection of rural electricity and electricity. The intermediate business of collecting water fees, paying business administration fees, and paying wages is a new way for our organization to work. The deposit department should adopt a project-based system for the development of intermediary business, implement responsibility, increase incentives, actively communicate and coordinate with relevant departments, and cooperate with each other. Mutual benefit, expand account opening, and consolidate deposit groups. This year, we must first have a credit relationship. When the enterprise's payroll business is launched, the credit department must cooperate with this work. During the year, all units will develop 3-5 wage service units, which will make the middle business have a big breakthrough this year.

Integrate institutional network resources. This year, we will continue to optimize the allocation of institutional network resources, and make structural adjustments to the debt structure, network structure and personnel structure, so that the bank's various deposit allocations tend to be optimized. It is necessary to adopt the strategy of “supporting the big, promoting the middle, and changing the bad”, and do a good job of integrating and optimizing the resources of the outlets. It is necessary to change the business concept of paving the way and blindly increasing the number of outlets, with small business volume, high cost and no development potential. The outlets will be withdrawn, focus on manpower and financial resources, develop efficient and potential outlets, improve hardware facilities, create quality outlets, seize high-efficiency markets, and improve the radiation function of boutique outlets.

3. Adhere to the efficiency as the center, establish the concept of credit marketing, and ensure the scale benefits of credit assets under low risk. Credit assets are the main business of our bank and the main risk point of our rural quota society. Whether it is the need of reform or the need of development, we are not allowed to have a slight deviation in the security of credit funds. In marketing, we must correctly handle the relationship between development and risk prevention, and firmly grasp the main line of "safe marketing" and do not relax. In accordance with the "four three-five" principle proposed by the city association, we will further increase loan marketing efforts.

, classify guidance, highlight key points, and realize the organic combination of credit marketing and industrial adjustment. This year, we must focus on the choice of credit marketing strategy. First, the COSCO suburbs should focus on the marketing of small-scale loans and the establishment of quota villages. The COSCO Group’s quota society should combine small-scale agricultural loans with local resource advantages and industrial restructuring, and actively strengthen the cooperation with local governments. Coordinate the contacts, select the direction of industrial structure adjustment and credit support projects. We will focus on selecting a batch of agricultural industrial structure adjustment projects that can reflect local characteristics and have high technological content and can form economies of scale. With the support of credit funds, we will actively guide the transformation of farmers' production into industrialization, scale, and intensification. Improve the comprehensive quality of the local agricultural economy, accelerate the transformation of local resource advantages to economic advantages; Second, the suburban urban units should focus on supporting individual and private enterprises. It is necessary to focus on industrial belts and industrial clusters, focusing on private enterprises and individual and private enterprises with good market prospects. According to the characteristics of “small, urgent and frequent” loans for SMEs, simplifying loan procedures and procedures as a breakthrough, insisting that “the amount is reasonable” The principle of “effective mortgage, complete procedures, and weakening risks” will increase support for small and medium-sized private enterprises and adjust credit business strategies according to local conditions. Cultivate a number of industrial belts and agricultural parks that drive regional economic development; third, enhance awareness of community credit services and continuously improve loan risk management. Actively explore the issue of extending the service mechanism of small-scale loans for farmers to other service areas, and take advantage of the operating mechanism of small loans for laid-off workers in the business department, combined with the characteristics of more developed urban individual economy and large professional market, and carry out joint loans for good industrial and commercial enterprises. Pilot work, thus nurturing new profit growth points.

Strengthening responsibility, weakening risks, and strictly controlling the marketing of credit and funds. To strengthen credit management, we must first strengthen the management of credit officers. From the perspective of the scale of credit assets of the Bank, 86 loan officers manage nearly 22 billion credit assets, and the level of personnel determines the security of credit funds. Therefore, it is necessary to strengthen the development awareness, risk awareness, responsibility awareness and legal awareness of credit officers to minimize operational risks and prevent moral hazard. First, starting from strengthening the system construction, strict loan approval system, strictly implementing the loan approval procedures and examination and approval rights, improving the credit management system; establishing a legal and discipline control mechanism, increasing penalties for violations of laws and regulations; establishing a post restriction mechanism, clearly Responsibility for posts, focus on the "three customs", that is: investigation, the purpose should be clear, to achieve a "clear" word; approval, the limit can not exceed the standard, to achieve a "real" word; release, procedures must be complete, Do a "quasi" word. Establish a responsibility-response mechanism, adhere to the collective approval and the first responsible person system; establish an authorization credit mechanism, implement the loan differential permission, and vigorously carry out comprehensive credit. The second is to eliminate the use of funds in violation of regulations, and resolutely implement the "12" prohibition of the Liaoning Banking Regulatory Bureau, that is, it is strictly forbidden to lend to overheated industries that are inconsistent with the state's giant regulation; it is strictly prohibited to engage in high risk concentration and exceed its own management and risk control capabilities. Business areas; it is strictly forbidden to place loans to “five small” enterprises that have been prohibited by national policies; it is strictly forbidden to lend to high-risk industries; it is strictly forbidden to lend to real estate; it is strictly forbidden to invest in stock market; it is strictly forbidden to issue loans to the restaurant and entertainment industry; Investment loans; it is strictly forbidden to issue loans to enterprises with unclear property rights; it is strictly forbidden to issue illegal, illegal or disciplinary loans; it is strictly forbidden to invest in the form of agreed government bonds, securities lending, false repurchase, and false custody; it is strictly forbidden to cooperate with securities companies in any disguised manner. Conduct investment business.

4. Adhere to the principle of “clearing, revitalizing, and preserving” and work to improve asset quality. Non-performing loans are a prominent problem that restricts the Bank's deepening reform and business development. Although the bad ratio of our bank is not high, the actual number of non-performing loans hidden in normal loans is still very large. Therefore, we must pay enough attention to the revitalization work, plan effective countermeasures, enhance the sense of urgency and mission, and seek new breakthroughs with the provincial government's policy of collecting non-performing loans: Close the work. All units must carefully check the employees' loans, guarantees, and introduction loans, and urge the responsible persons to return the loans as soon as possible. According to the provincial government's clearing method, if they do not return at the end of March, they will resolutely suspend their duties and stop paying. If you come back, you will be dealt with automatically according to the resignation; the second is to find out the basis of non-performing loans in combination with the clearing of nuclear assets and analyze the causes of non-performing loans. Comprehensive, cross-utilization of tasks, collection, rewards, judicial collection, and administrative collection, etc., sorting and queuing, multi-pronged approach, using the strategy of “one household, one law, one policy, one enterprise and multiple parties” Clear small, the right medicine, enhance the pertinence and effectiveness of the work; the third is to conscientiously implement the target responsibility system for the collection of non-performing loans, and pay close attention to the collection of non-performing loans. All units must timely implement the collection tasks and responsibilities to relevant positions and responsible persons, implement work efficiency linkage, responsibilities collection, strict assessment, and honor rewards and punishments. It is necessary to change the past practice of “remaining in the off-season, replenishing the spirits in the off-season, and fighting in the peak season”, insisting on the low season, grasping the peak season, and constantly grasping it; the fourth is to sign non-performing loans for the townships and towns, and all units should take the initiative to participate and promote The recovery of non-performing loans must resolutely follow the advice of the provincial government on the collection of non-performing loans, highlight the focus of collection and increase the intensity of collection; the fifth is to actively and cautiously carry out asset preservation work, to further activate the internal motivation and implement tasks at different levels. Linked with interests, linked to responsibilities, and strengthen the daily management of debt-reducing assets. In order to adhere to the management principle of “strictly controlled, legally acquired, properly kept, and effectively disposed of”, the work of custody, disposal, and realisation must be standardized to prevent the occurrence of debts and loss of debts.

4. Adhere to the basis of cost control, strengthen financial accounting management, and vigorously carry out work to increase revenue and reduce expenditure.

And effectively increase the intensity of income. First, we must strengthen the management of interest collection. All units must always regard the work of collecting interest as the top priority of all work, and earnestly grasp the early, grasp and grasp the reality. The task of collecting interest should be implemented to the people, quantified to the month, and implemented “performance-linked”, strict assessment, rewards and punishments, and a sense of responsibility for the work of credit officers. At the same time, it is necessary to change the method of collecting interest rates and reverse the wrong practices of not accepting at the beginning of the year, receiving low income in the middle of the year, and rushing to collect at the end of the year. The district bank will continue to implement the interest rate reward policy this year, paying attention to rewards for new marketing loans and attracting loan officers. More, more, more, and more; the second is to expand the source of income. Encourage the suburban branch social society to fully utilize the characteristics of a wide range of aspects while consolidating and developing its main business, and actively open intermediary businesses such as collection, payment, and agency insurance, enhance the penetration of intermediary business, and strive to carry out diversified operations and find new ones. Third, it is necessary to build an investment carrier. In addition to increasing the efforts of fund transfer and deposits, all units must make good use of time differences and actively cooperate with other commercial banks to set up discount and re-distribution services to improve the efficiency of capital use.

We will do our best to save money. First, continue to implement the cost assessment classification guidance, based on the city association's comprehensive expense rate assessment indicators, to implement a fixed assessment of grassroots quotas; second, standardize expenditures and reduce operating costs. All units must strictly implement the relevant provisions on fee management formulated by the district banks in accordance with the principle of “receiving expenditures and measuring strengths” and strictly control the expenditures. Continue to implement the comprehensive expense rate assessment responsibility system. It is necessary to achieve a "俭" character, establish a sense of economic accounting, and adhere to the purpose of diligently doing business; it is necessary to highlight a "strict" word, adhere to a pen approval system, implement the use of public expense verification standards, and use personal expenses for large-scale expenses. Collective approval makes the expenses reasonable, legal and compliant.

5. Adhere to the core of people-oriented management, strengthen basic work, and continuously improve the overall management level.

Adhering to "people-oriented" is the essence and core of the scientific concept of development. In 2005, the district will adhere to the "people-oriented" concept, strengthen people-oriented management, strengthen basic work, and improve the political thinking and scientific culture of employees of the whole bank. And the post business vocabulary as a strategic job to catch.

Strengthen the awareness of the staff system. Employees of the whole bank must firmly establish the awareness of the system and the sense of law, strive to realize the position of the mind, implement the system in place, and implement the rectification and rectification, and ensure that the work is progressed steadily under the constraints of the system. One is to ensure that the mind recognizes the position. All units should further enhance the understanding of the importance of internal control management, implement the system of internal control to implement the first responsible person, clarify duties and obligations, and focus on correcting the relationship between some grassroots directors in grasping the implementation of internal control and management risks, internal control construction system and self-development. The deviation of understanding; the second is to ensure that the implementation of the system is in place. It is necessary to establish the authority of audit work from the management mechanism, further increase the intensity of audit work, increase the frequency of inspections, highlight risk and effectiveness supervision, organically combine routine audits and special audits, and further expand the breadth and depth of audit work. The third is to ensure that the rectification is in place. Relevant departments and personnel shall be responsible for the rectification and implementation of the common problems of repeated investigations and repeated violations in the inspection of the city associations and districts, and timely feedback to the relevant departments of the districts and banks.

Strengthen employee job training. This time deepening the reform of the rural quota society for us

The enthusiasm of employees' political thoughts, scientific and cultural literacy, and post business vocabulary all put forward higher requirements. Therefore, it is a current strategic task for us to create a workforce that can meet the needs of reform and development. First, it is necessary to strengthen the training of employees and effectively improve the practical operation ability of the posts. The Personnel Education Division shall formulate an annual employee job training plan, which shall be divided into levels and positions, and the training of “first-line personnel” shall be done in a targeted manner. In the form of training, comprehensive training shall be adopted, training will be conducted, regular rotation training, etc. In various forms, it is pragmatic and practical, so that training becomes the “second welfare” of employees. Second, it is through the examination to select the backbone of deposits, credit, finance, marketing, etc., and adopt training and communication methods to make it grasp the modern banking marketing strategy as soon as possible. Expand work ideas, improve work methods, and prepare talents for the establishment of rural cooperative banks.

Strengthen the construction of grassroots leadership. Focus on cultivating and training cadres in actual work. First, we must improve the performance appraisal methods for cadres, implement strict target management for cadres, and implement a positive incentive and guidance mechanism. The assessment of grassroots directors should highlight business development, asset quality, operational efficiency, internal management and sustainable development capabilities. The second is to strengthen the selection and training of reserve cadres. Standardize the recommendation process of the reserve team and establish a supplementary mechanism for the cadre team. It is necessary to create a practical platform and exercise the ability of reserve cadres to show their talents and grow their talents.

6. Move forward to prevent the gate, strengthen safety awareness, and build a strict and stable prevention system. Development is the purpose, and stability is the premise. This year, employees of the whole bank must resolutely overcome the numbness and take effective measures to focus on the work of “three defenses and one guarantee” and resolutely curb the occurrence of various cases.

Implement a level-by-level responsibility system for safety and security work. This year, the district and the bank should continue to sign safety responsibility responsibilities with the grassroots organizations, and strive to achieve division of labor and cooperation, responsibility to others, and perform their duties. It is necessary to strictly implement the "one-vote veto" system for security precautions. Establishing the management concept of “safety and efficiency”, the staff of the whole bank can recognize the serious situation of case prevention work, and through the implementation of fire prevention and anti-robbing plan drills, form a good atmosphere of group prevention and group management, and enhance the initiative of case prevention work.

Increase the intensity and frequency of security inspections. Highlight irregular inspections and unannounced visits, so that inspections are in place, rectification is in place, and penalties are in place. Those who violate the regulations and have no rules shall be dealt with seriously. For the units and parties involved in violations, both the economic punishment and the administrative punishment shall be adhered to, and the punishment of the parties and the person responsible shall be equally penalized.

7. Work around the center, change the work style, and complete the work for the whole year.

For strong protection. The first is to highlight the importance of ideological and political work. The party work conference should be held in a timely manner. All the social and business departments must combine the current advanced education activities to carry out political and ideological work in a targeted manner to ensure that the business is continuous during the reform period, the team is not chaotic, and the people are not scattered; The enterprise culture construction takes the opportunity of deepening the reform of the rural quota society, integrates the image of the **agricultural cooperative bank, insists on combining the corporate culture construction with the business operation, combines the corporate culture construction with the improvement work style, and transforms the corporate culture construction with the business operation. The mechanism is combined; the third is to gradually transform the functions of the organs, and gradually strengthen the sense of supervision and service in accordance with the four systems of business management, audit supervision, inspection counseling and support services. It is necessary to be good at discovering the problems and deficiencies in the grassroots work, and to propose methods and ideas for solving problems in combination with the actual situation; the fourth is to do a good job in propaganda and information transmission. It is necessary to be good at summing up experience, to be good at propagating oneself, and to do a good job in the propaganda and reporting work during the transition period of reform. Fifth, the trade unions should work together with the business center to actively carry out various labor competitions and cultural and sports activities that are popular and enjoyable. This year, the district will hold a cultural performance before July 1st. To enrich the staff's amateur cultural life.

Comrades, 2005 is the first year of deepening the reform of the rural quota society in our district. It is of great significance and great significance to do a good job this year. I firmly believe that as long as we are under the correct leadership of the Municipal Association and under the strong cooperation of the local government, we will focus on the established goals, tasks and work ideas, strengthen our confidence, seize opportunities, unite and forge ahead, and work hard. It is able to overcome all the difficulties and obstacles on the road ahead, and finally successfully complete the two historical tasks of deepening reform and accelerating development.

thank you all! !