2019 Credit Union Financial Work Opinions

The guiding ideology of the financial work in 2XX is: to focus on the business center of the association business; to turn the loss and increase profits to improve economic efficiency as the goal, pay close attention to the basic work of accounting business, strengthen financial management, resolve accounting risks, and fully complete the city letter Co-organized the financial target tasks. To this end, the following work opinions are proposed. So100
First, strengthen system construction, standardize management, and prevent accounting risks.
Accounting work is a basic work of credit cooperatives. It shoulders the important responsibility of accounting business, reflecting business results, predicting business development prospects, and participating in credit business decision-making. The quality of accounting work directly affects the credit bureau's reputation and status, and is related to the survival and development of credit unions. To this end, it is necessary to increase the construction of internal control of accounting, strictly control the society, and increase efficiency.
We must persist in the management of accounting standards. From the overall change of the basic work of accounting, credit unions that have not achieved accounting standards should focus on inspection and guidance, strict standard acceptance, and promote their compliance; the credit unions that have reached the standard must regularly check and ensure the quality. Strive to achieve 100% credit social work in the 200× year, + credit unions up to the second level, and upgrades to more than 30%.
The whole chapter is established and the internal control system is improved. In view of the situation of the credit social system of the jurisdiction, the Bank revised the Financial Management Measures for Credit Unions, the Operational Rules for Electronic Banking and Microcomputer Business, and formulated a set of internal management system with its own characteristics and facilitating the operation and implementation of credit social programs. Further regulate the behavior of accounting personnel, control various accounting risks within the prescribed scope, and achieve the purpose of checking for mistakes, blocking loopholes, eliminating hidden dangers, and ensuring the stable operation of the business.
Establish an incentive mechanism to comprehensively improve the quality of accounting work. The first is to establish an accounting risk mortgage. Each accountant pays 500 yuan as a security deposit, and implements the wrong account self-indemnity; the second is to increase the quality of the accounting work, and find out that the non-compliance accounting documents are deducted, each deduction of 0.1 yuan, and each account is not in compliance. Deducted 0.2 yuan, the interest rate error is refunded to the income account according to the wrong amount; the third is to carry out the accounting work evaluation, the reward and the fine, the accounting work is remarkable, the safety and accident-free accounting certificate is issued, the praise is given, the accounting work quality is poor The accountant informed the criticism and made financial penalties.
Second, heavy management, implementation, smart management, and efficiency.
The target of 200×year profit plan, determine the social surplus, the surplus amount reaches %, and the profit amount is wenmi.net. The comprehensive cost is reduced to %. The theme of financial management should be to strengthen accounting, increase revenue and reduce expenditure, support business development and innovation, and further improve economic efficiency. We will accelerate the innovation of accounting management as the driving force, identify the reform and breakthrough of accounting work, and implement active and effective financial measures.
Strengthen cost management and strictly control expenses. The “Double-track System” management method for comprehensive credit rate and fee limit for credit cooperatives. In order to collect the "total control, single-item contract, saving and retaining, over-spending". First, based on the income, the calculation determines the amount of the control fees of each society; and completes the credit agency rewards for the deposit and interest collection tasks. The second is to implement the reporting system for major expenses. If the credit agency spends more than 1,000 yuan, no matter what the nature, the report will be written in advance, and the approval can be recorded. The third is to adhere to the open system of financial expenditures, and publish monthly financial expense accounts to employees to increase transparency. Accepting the supervision of the people and keeping the key gates of financial expenditures, saving money and increasing efficiency.
Vigorously revitalize credit funds, actively recover overdue loans, and strive to increase loan interest rates. Implementing ergonomic wages, earnestly implementing the internal credit job responsibility system of “including loan, package, package management, and package efficiency”, increase the responsibility of credit officers, adopt flexible and diversified methods, and actively collect interest receivable from loans to prevent human feelings. Receiving interest, put an end to the phenomenon of "run, run, drip, leak". Create a new and vivid work situation, the loan income will strive to reach 10,000 yuan, and the loan interest rate will strive to exceed 7%.
Based on increasing the total amount of deposits, we will focus on adjusting the debt structure. Increase the assessment of low-interest deposits, actively organize low-cost deposits, reduce deposit interest rates, and reduce capital costs by 0.4 percentage points from the previous year.
Accurately dispatch funds and increase the utilization rate of funds. First, give full play to the role of the affiliated settlement financing center, help the credit union to calculate the capital position, and control the cash inventory and non-commercial funds. Clear receivables and minimize the use of invalid funds. Second, the time difference, the local difference, and the space difference in the rational use of funds will be used to make adjustments to the banking industry funds and other bonds, and increase the profitability of funds.
Third, accelerate the pace of electronic construction and improve the level of accounting electronic.
At present, the computer coverage of our affiliates has reached ++%. 200× years to achieve 100% coverage, we must actively develop loan accounting software programs, fully reflect the principles of truthfulness, accuracy, and speed, and develop into a network to achieve office automation. Actively expand settlement channels, strengthen settlement functions, actively do a good job in the national electronic exchange business, and speed up the speed of fund transfer. Effectively solve the problem of difficult settlement of credit unions, promote business development, improve the social visibility of rural credit cooperatives, and increase social competitiveness.
Fourth, strengthen the training of accounting staff and improve the quality of the accounting team.
At present, the old accounting of credit unions has rich practical experience, but lacks rational understanding of accounting work. Although young accountants have certain cultural knowledge, they lack practical business capabilities, especially the computer operation business is not familiar, often due to slow operation. Mistakes, mistakes, and human-made machine failures affect business. To this end, the focus of accounting training this year is computer operators. Hold 3 sessions~, all the accounting, cashier, and computer operators will be rotated once, and the training will reach 300 people. The form of training: focus on learning, to combine training, and to combine military training. Training content: political and ideological education, computer knowledge, accounting, financial management, etc. Gradually improve the political quality and professional quality of financial accounting, and insist on carrying out post training activities, with old and new, learning technology, practicing business skills, in order to compete in the business technology competition held by superiors in the competition.
Fifth, do a good job in accounting inspection and supervision, and escort for safe operation.
The form of inspection, the combination of routine inspection, special spot check and key inspection, the inspection surface reaches 100%. Focus on the management of British pledges, certificates, machines, and important blank vouchers, to prevent all accidents from happening, to resolve accounting risks, and to insist on accounting, account, certificate, and table concentration for more than four times at the end of the quarter, and to regularly evaluate and report rewards and penalties. This year's report emphasizes seeking truth from facts, squeezing out water and highlighting the word "real". Promote the healthy development of business operations.
6. Strengthen investigation and research to improve the level of decision-making.
1. Continue to adhere to monthly financial analysis, quarterly financial work summary, correct analysis and evaluation of the financial status of credit unions, sum up experience, find problems in a timely manner, and make correct decisions.
2. Do a good job in accounting research, go deep into the investigation and research of grassroots organizations, find strengths from many aspects, write survey reports, find gaps, find reasons, and think

Measures, promote implementation, and do a good job of accounting around business objectives.
3. Strengthen the financial work relationship between the upper and lower levels, and feedback the work information to the leaders in a timely manner to provide a reliable digital basis for leadership decision-making.
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