Excellent deeds of credit union credit officers in 2019
The collection of non-performing loans is a key link in the current reform and sustainable development of rural credit cooperatives. It is directly related to the promotion of deepening reform work and the timely payment of central bank bills. It is difficult to collect loans, and it is even harder to collect bad loans. The county credit cooperatives loan officer, the relationship between the letter and the cause of the cause, based on their duties, dedication, and all efforts to clear the difficult loans, the annual recovery of interest of about 200,000 yuan, accounting for more than half of the credit agency's interest income, due to outstanding work performance, 嬴Thanks to the cadres and staff of the system.
The middle-aged man, 45 years old, has a slightly thin body and loves literature. Since joining the work of the credit union in December 1984, he has worked in accounting, loan officers, and directors in Luoshan, Lujiawan, and Xichuan. Since he was transferred to the Credit Union in 1997, he has been working as a director, deputy director and loan officer, and has collected more than 650 households in the 6 administrative villages of Heping Township for about 1.8 million yuan. In the credit position for more than ten years, I love dedication, selfless dedication, earnestly study business knowledge, and abide by various credit operating procedures, regardless of the spring, summer, autumn and winter, regardless of the cold and snow, all the year round in the various villages under the responsibility of the film, the footprint Throughout the mountains and hills of Heping, the annual mileage of riding a locomotive to the countryside is more than 15,000 kilometers. All the village cadres and most of the peasant friends in the former Heping Township where he worked were very familiar with the hard-working and well-behaved loan officers. Everyone kindly called him "Xiao Wenren."
Diligent study and hard work Since the beginning of the work, comrades have always attached great importance to learning, and have a relatively low level of self-culture. He insisted on “taking the diligence and replenishment” and constantly enriching his cultural knowledge and business skills. Due to the busy work, it is necessary not only to manage the loan file information of the creditor, but also to undertake the task of 1680 farmers' credit packages in 37 villagers' villages, and also to be responsible for all loan investigations, post-lending inspections and loan collection obligations within the jurisdiction. He used his spare time to study, focusing on credit business knowledge, national financial policies, and financial laws and regulations. In recent years, he has systematically studied the People's Bank of China Law, the Commercial Bank Law, and the Banking Supervision and Administration Law. "The Administrative Licensing Law, the "Economic Contract Law", the "Guarantee Law", the "Notes Law", the "General Principles of Loans" and other laws and regulations, earnestly studied the "Golden Credit System of Rural Credit Cooperatives in Gansu Province" and "Rurals in Gansu Province" “Code of Practice for Credit Union Loan Business”, “Administrative Measures for Small Credit Loans of Rural Credit Cooperatives in Gansu Province”, “Management Measures for Rural Credit Cooperatives of Rural Credit Cooperatives in Gansu Province”, “Code of Practice for Rural Credit Cooperatives in Qingyang City”, County Rural Laws and regulations such as the Credit Card Loan Management Measures, insisting on self-learning financial knowledge to regulate their own day The constant operation behavior lays a solid foundation for making a significant contribution to ordinary jobs.
Compliance with the discipline of creating a credit zone often tells young people who have just joined the company that financial rules and regulations are the norms that we believe employees must abide by. The vast majority of economic accidents and cases in the financial sector are caused by illegal operations and non-regulations. For decades, he has adhered to the rules and regulations of rural credit cooperatives, and earnestly adhered to the pre-lending investigation, loan time review and post-loan inspection system as stipulated in the Measures for the Administration of County Rural Credit Cooperatives Loans. We will implement a loan review and loan separation system, and record the different types of loans of different farmers in different ways, and provide an in-depth understanding of the use of funds, production and operation of the creditors, and form a comprehensive and true post-lending inspection report, not only for credit cooperatives. Future loan management provides detailed information and greatly improves the quality of new loans. The county association promotes small-scale rural household credit loans. The first priority is to rate all the farmers in the jurisdiction, determine the credit rating of the farmers, and then grant different credit lines to the farmers according to the credit rating. The truthfulness and carefulness of the rating credits are directly related to the risk status of the small-scale agricultural loans issued in the future. The old Xiaoyi went to each village to touch the situation, and discussed with the village cadres, talked with the farmers and went to the farmer’s home to understand the situation. In more than 30 days, he successfully completed the rating crediting work for 1680 households in 37 village groups in 7 villages. In the same year, Yangpinggou Credit Village was established, which greatly promoted the improvement of the credit environment of Heping Township. Over the years, it has helped educate those who are involved in gambling and do business to become rich and to get the right path, so that they not only pay off their debts, but also find a way to find employment and become a family. In Heping Township, he formed a benign credit circle with his own decent and honesty. The farmers who keep the credit business are always close to him, and those who are not doing business are far-sighted.
Comply with the people's heart and serve the "three rural"
"I am from the countryside, from the peasants. As a believer, I should have sprinkled my youth and blood on this vast land of the countryside." This true expression of confession is the best interpretation of the rural credit cooperatives' adherence to the "three rural" service direction. In the credit career of more than ten years, comrades practiced "the rural credit cooperatives are the main force of rural finance" with their sincere heart, practical work and excellent service. "Rural credit cooperatives are the best bridge to contact the three rural areas. link". All the village groups he had covered in the film, all the peasant friends he had contacted, were affectionately dubbed "Xiao Wenren". Lao Xiao liked this title very much. He said: "The peasant friend called me this way, indicating that I have no distance from them. ". Within the area of the contact area of the package, the farthest village has been back and forth for half a month, and has been working for 25 years. No Mid-Autumn Festival has been reunited with his family. There are 18 Chinese New Years that have not been able to go home for the New Year, even its His father did not see the last side of his death. His mother was frail and suffering from bone hyperplasia and could not always take care of it. He could only give a phone call to greet him. However, the farmers who treat their own regional films are treating them as their loved ones. They have always warmed the hearts of every farmer with sincerity, love and patience! There are more than 20 days a month to and from the villages, and enter the village to enter the household. Many farmers often save money, make money, take money, buy letters, buy things, help them pay telephone and electricity, and they are in the township school. The children who read the book carry rice noodles and so on. The nuanced help of the majority of farmers has greatly won the understanding, trust and support of the majority of farmers. After the new loans issued in recent years expire, more than 80% of the farmers can take the initiative to return the loan principal and interest. In his own jurisdiction, a good network of interpersonal networks and personality credibility has been established. Every year, 10 households working outside the home send money back to the bank through the Agricultural Bank or the Post Office to return the loan.
It is a bottleneck restricting the development of rural credit cooperatives. I am deeply convinced of this and deeply feel the responsibility and burden on the shoulder of being a loan officer. In the non-interest-receiving work, the believers are not afraid of hardships and hardships, eliminate thousands of hardships, go through thousands of miles, say a thousand words, warm the "five thousand and fifty thousand" spirit of thousands of families, Different loan collection measures were adopted for different creditors, and more than 100 kinds of difficult loans and 200,000 yuan were recovered from 1970. Baiping, Zhaoping Village, Heping Township, had a loan of 500 yuan in March of 85. At the end of the year, due to gambling murder, the wife was remarried, the child died, and the family had a brother who inherited the property. After many years of collecting the fruit, it was passed through the law. His brother returned the loan principal and interest and revitalized the credit fund of the credit union. Zheng Haoyu of the village Xiaoxiping Village has a loan of 45 yuan for more than 20 years. His family has not returned to the Lanzhou for more than 10 years. During the collection process, he learned that Zheng had a daughter in Lujiatun Village in Wuxiang Township. Work, policy, sensible, and emotional, finally let her daughter pay off their debts for the father. The original Xi'an of Shenping Village in Heping Township was a bachelor. In 1990, he borrowed 500 yuan to buy farm animals. Unexpectedly, this person had no bad habits for two years. He left his 70-year-old mother to stay home, and stayed home for 4 years. On the winter day, I heard that the creditor returned to the village. He immediately went over the mountain to the home of the creditor and blocked him at home. He did not repay the loan. The momentum finally convinced the person, and borrowed money to pay off the principal and interest. Huang Tianlan of Yangpinggou Village in Xiangxiang, from 1970 to 1974, loaned a total of 7 yuan for 22 yuan. After the 1980s, she went to the sweet water cement factory with her husband Shen Xuemin, and collected the receipt for Shenfa for many years, but none of them succeeded. The labor and personnel department of the factory issued reminders several times, and finally arrived at the cement factory to remit the loan principal and interest. Such a small amount of money as small as three or five yuan, as many as several thousand yuan, and some loans that have seen the recovery of hopelessness have never been given up because of the small amount and the long age. As long as there is a hope of one percent, he Pay a hundred percent of effort to preserve the assets of credit unions. More than half of the interest income of credit unions is comrades who have been rushing into the village for many years, and carry forward the tenacious style of "啃". They are recovered one by one. The comrades of the credit union convinced him to call him "clear dividends." The vanguard."
Plum blossoms came from bitter cold, and Bao Jianfeng smashed it out. For more than ten years, he has done his job in a down-to-earth position in his ordinary job, dedicating his youth to the countryside, serving the countryside and the peasants, showing the style of Xinhe people, passing through the spring, summer, autumn and winter, and passing through the winter. Hot summer. In fact, one is not a microcosm of our agricultural system in the rural areas.
The middle-aged man, 45 years old, has a slightly thin body and loves literature. Since joining the work of the credit union in December 1984, he has worked in accounting, loan officers, and directors in Luoshan, Lujiawan, and Xichuan. Since he was transferred to the Credit Union in 1997, he has been working as a director, deputy director and loan officer, and has collected more than 650 households in the 6 administrative villages of Heping Township for about 1.8 million yuan. In the credit position for more than ten years, I love dedication, selfless dedication, earnestly study business knowledge, and abide by various credit operating procedures, regardless of the spring, summer, autumn and winter, regardless of the cold and snow, all the year round in the various villages under the responsibility of the film, the footprint Throughout the mountains and hills of Heping, the annual mileage of riding a locomotive to the countryside is more than 15,000 kilometers. All the village cadres and most of the peasant friends in the former Heping Township where he worked were very familiar with the hard-working and well-behaved loan officers. Everyone kindly called him "Xiao Wenren."
Diligent study and hard work Since the beginning of the work, comrades have always attached great importance to learning, and have a relatively low level of self-culture. He insisted on “taking the diligence and replenishment” and constantly enriching his cultural knowledge and business skills. Due to the busy work, it is necessary not only to manage the loan file information of the creditor, but also to undertake the task of 1680 farmers' credit packages in 37 villagers' villages, and also to be responsible for all loan investigations, post-lending inspections and loan collection obligations within the jurisdiction. He used his spare time to study, focusing on credit business knowledge, national financial policies, and financial laws and regulations. In recent years, he has systematically studied the People's Bank of China Law, the Commercial Bank Law, and the Banking Supervision and Administration Law. "The Administrative Licensing Law, the "Economic Contract Law", the "Guarantee Law", the "Notes Law", the "General Principles of Loans" and other laws and regulations, earnestly studied the "Golden Credit System of Rural Credit Cooperatives in Gansu Province" and "Rurals in Gansu Province" “Code of Practice for Credit Union Loan Business”, “Administrative Measures for Small Credit Loans of Rural Credit Cooperatives in Gansu Province”, “Management Measures for Rural Credit Cooperatives of Rural Credit Cooperatives in Gansu Province”, “Code of Practice for Rural Credit Cooperatives in Qingyang City”, County Rural Laws and regulations such as the Credit Card Loan Management Measures, insisting on self-learning financial knowledge to regulate their own day The constant operation behavior lays a solid foundation for making a significant contribution to ordinary jobs.
Compliance with the discipline of creating a credit zone often tells young people who have just joined the company that financial rules and regulations are the norms that we believe employees must abide by. The vast majority of economic accidents and cases in the financial sector are caused by illegal operations and non-regulations. For decades, he has adhered to the rules and regulations of rural credit cooperatives, and earnestly adhered to the pre-lending investigation, loan time review and post-loan inspection system as stipulated in the Measures for the Administration of County Rural Credit Cooperatives Loans. We will implement a loan review and loan separation system, and record the different types of loans of different farmers in different ways, and provide an in-depth understanding of the use of funds, production and operation of the creditors, and form a comprehensive and true post-lending inspection report, not only for credit cooperatives. Future loan management provides detailed information and greatly improves the quality of new loans. The county association promotes small-scale rural household credit loans. The first priority is to rate all the farmers in the jurisdiction, determine the credit rating of the farmers, and then grant different credit lines to the farmers according to the credit rating. The truthfulness and carefulness of the rating credits are directly related to the risk status of the small-scale agricultural loans issued in the future. The old Xiaoyi went to each village to touch the situation, and discussed with the village cadres, talked with the farmers and went to the farmer’s home to understand the situation. In more than 30 days, he successfully completed the rating crediting work for 1680 households in 37 village groups in 7 villages. In the same year, Yangpinggou Credit Village was established, which greatly promoted the improvement of the credit environment of Heping Township. Over the years, it has helped educate those who are involved in gambling and do business to become rich and to get the right path, so that they not only pay off their debts, but also find a way to find employment and become a family. In Heping Township, he formed a benign credit circle with his own decent and honesty. The farmers who keep the credit business are always close to him, and those who are not doing business are far-sighted.
"1" "2"
Comply with the people's heart and serve the "three rural"
"I am from the countryside, from the peasants. As a believer, I should have sprinkled my youth and blood on this vast land of the countryside." This true expression of confession is the best interpretation of the rural credit cooperatives' adherence to the "three rural" service direction. In the credit career of more than ten years, comrades practiced "the rural credit cooperatives are the main force of rural finance" with their sincere heart, practical work and excellent service. "Rural credit cooperatives are the best bridge to contact the three rural areas. link". All the village groups he had covered in the film, all the peasant friends he had contacted, were affectionately dubbed "Xiao Wenren". Lao Xiao liked this title very much. He said: "The peasant friend called me this way, indicating that I have no distance from them. ". Within the area of the contact area of the package, the farthest village has been back and forth for half a month, and has been working for 25 years. No Mid-Autumn Festival has been reunited with his family. There are 18 Chinese New Years that have not been able to go home for the New Year, even its His father did not see the last side of his death. His mother was frail and suffering from bone hyperplasia and could not always take care of it. He could only give a phone call to greet him. However, the farmers who treat their own regional films are treating them as their loved ones. They have always warmed the hearts of every farmer with sincerity, love and patience! There are more than 20 days a month to and from the villages, and enter the village to enter the household. Many farmers often save money, make money, take money, buy letters, buy things, help them pay telephone and electricity, and they are in the township school. The children who read the book carry rice noodles and so on. The nuanced help of the majority of farmers has greatly won the understanding, trust and support of the majority of farmers. After the new loans issued in recent years expire, more than 80% of the farmers can take the initiative to return the loan principal and interest. In his own jurisdiction, a good network of interpersonal networks and personality credibility has been established. Every year, 10 households working outside the home send money back to the bank through the Agricultural Bank or the Post Office to return the loan.
It is a bottleneck restricting the development of rural credit cooperatives. I am deeply convinced of this and deeply feel the responsibility and burden on the shoulder of being a loan officer. In the non-interest-receiving work, the believers are not afraid of hardships and hardships, eliminate thousands of hardships, go through thousands of miles, say a thousand words, warm the "five thousand and fifty thousand" spirit of thousands of families, Different loan collection measures were adopted for different creditors, and more than 100 kinds of difficult loans and 200,000 yuan were recovered from 1970. Baiping, Zhaoping Village, Heping Township, had a loan of 500 yuan in March of 85. At the end of the year, due to gambling murder, the wife was remarried, the child died, and the family had a brother who inherited the property. After many years of collecting the fruit, it was passed through the law. His brother returned the loan principal and interest and revitalized the credit fund of the credit union. Zheng Haoyu of the village Xiaoxiping Village has a loan of 45 yuan for more than 20 years. His family has not returned to the Lanzhou for more than 10 years. During the collection process, he learned that Zheng had a daughter in Lujiatun Village in Wuxiang Township. Work, policy, sensible, and emotional, finally let her daughter pay off their debts for the father. The original Xi'an of Shenping Village in Heping Township was a bachelor. In 1990, he borrowed 500 yuan to buy farm animals. Unexpectedly, this person had no bad habits for two years. He left his 70-year-old mother to stay home, and stayed home for 4 years. On the winter day, I heard that the creditor returned to the village. He immediately went over the mountain to the home of the creditor and blocked him at home. He did not repay the loan. The momentum finally convinced the person, and borrowed money to pay off the principal and interest. Huang Tianlan of Yangpinggou Village in Xiangxiang, from 1970 to 1974, loaned a total of 7 yuan for 22 yuan. After the 1980s, she went to the sweet water cement factory with her husband Shen Xuemin, and collected the receipt for Shenfa for many years, but none of them succeeded. The labor and personnel department of the factory issued reminders several times, and finally arrived at the cement factory to remit the loan principal and interest. Such a small amount of money as small as three or five yuan, as many as several thousand yuan, and some loans that have seen the recovery of hopelessness have never been given up because of the small amount and the long age. As long as there is a hope of one percent, he Pay a hundred percent of effort to preserve the assets of credit unions. More than half of the interest income of credit unions is comrades who have been rushing into the village for many years, and carry forward the tenacious style of "啃". They are recovered one by one. The comrades of the credit union convinced him to call him "clear dividends." The vanguard."
Plum blossoms came from bitter cold, and Bao Jianfeng smashed it out. For more than ten years, he has done his job in a down-to-earth position in his ordinary job, dedicating his youth to the countryside, serving the countryside and the peasants, showing the style of Xinhe people, passing through the spring, summer, autumn and winter, and passing through the winter. Hot summer. In fact, one is not a microcosm of our agricultural system in the rural areas.
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