(Bank) summary of fund plan management work in the first half of the year

Since the beginning of this year, with the further liberalization and deepening of the grain market, the issues of “agriculture, rural areas and farmers” and food security have become increasingly prominent. The management functions and business scope of agricultural issuance have also changed, and the closed management of acquisition funds is facing a new situation. Under the correct leadership of the Party Branch of the Municipal Branch, the Bank's fund planning management closely focuses on the closed management center of acquisition funds, timely adjusts the working ideas, and takes the standardized management assessment of the head office as the working principle, in an effort to improve the efficiency of credit fund utilization. Effectively guarding against credit risk is a dual goal, mobilizing the enthusiasm of the staff of the fund planning line and giving full play to the functional role of the fund planning work, so that the Bank's fund planning work has achieved good results. The management plan of the fund plan for the first half of xxxx is summarized as follows: 1. Unifying thoughts, clarifying work objectives, quantifying and refining the appraisal appraisal method. Following the provincial and sub-department meeting, the municipal branch held a xxxx work meeting. Risk management is at the forefront of all work of the Bank. It clearly puts forward the guiding ideology and efforts of the annual work: based on standardized management, with risk management as the core, performance management as the focus, and reform and innovation as the driving force. The guiding functions and service functions of the office are highlighted, and the credit management of the project is carried out flexibly and pragmatically. And in accordance with the assessment method of the Provincial Banking Funding Department, the content of the fund planning work has been quantified and refined. From the department to the grassroots level, the post management responsibility system of the project management personnel has been established, and various items have been improved. Management System. In the percentage assessment method, the fund planning work is subdivided into seven major blocks: project management, fund management, financial subsidy fund management, cash and interest rate management, statistical management, hierarchical management, and comprehensive business management. The implementation of personnel, the implementation of responsibilities, and the implementation of work, the work in the past six months shows that the work opinions and assessment and appraisal methods formulated at the beginning of the year are clear and practical, and have certain guidance and pertinence for doing a good job in the city's capital planning work. Second, strengthen the management of capital operations and improve the efficiency of capital use. Since the beginning of this year, the Bank has further strengthened the operation and management of credit funds. After the withdrawal of credit funds, the funds in the system were repaid in a timely manner. The return of loans and the decline in borrowings were basically the same. In the first half of the year, the monthly credit fund utilization rate remained above xx.x%, and credit funds maintained a high level of operation. x, adhere to the management of the capital position limit. Since the beginning of this year, the Bank's planning department has further improved its management accounting awareness, strictly managed the capital position, and approved the capital position limit of the grassroots bank within the approved capital position limit of the provincial bank, and requested that, under the premise of ensuring normal business development, According to their own circumstances, each bank tries to reduce the occupation of the position within the limit, and adjusts the unreasonable occupation in time to ensure that all banks scientifically and reasonably occupy the position funds, so that they are not idle or wasteful. x, improve fund management. In the fund scheduling section, the city and county are clearly responsible for the management of fund allocation. When the funds were requested, the connection between the funds transfer and the credit plan was strengthened, and the dual regulation of funds and plans was enhanced, and the disconnection of funds supply was avoided. Since the beginning of this year, the EDB Bank has adjusted the system to operate normally. The Bank continued to adhere to the principle of “small quota and diligent dispatch”. Especially after the adjustment of the funds by the head office, it is more convenient to use the funds of the grassroots banks, and reduce the funds. Time, reducing the capital position occupation, the whole bank in the first half of this year, please adjust the funds xx pen xxxxx million. At the same time, the Bank strictly complied with the requirements of the higher-level bank, standardized the use of the "China Agricultural Development Bank Credit Fund Transfer Notice", "Funds Request for Transfer", "Fund Application Approval Form", etc., and established the "System Funds Accounts", according to Through the electronic linkage system and the head office reconciliation, the annual account is error-free, ensuring the safe operation of funds. Third, strengthen statistical management work, improve the quality of statistical data. The statisticians at all levels of the Bank overcome the statistical workload compared with previous years, and the actual situation of reporting the time and holidays of the statistical statements is not extended, work overtime, work hard, quality and quantity. Do statistical work on time. The statistical reports of the provincial branches and the People's Bank of China were reported accurately and in a timely manner, and the quality of statistical work has been greatly improved. To strengthen the monitoring and analysis of the implementation of the cash plan. The Bank has established a system for monthly cash flow and return analysis, and analyzes the cash receipts and expenditures of branches and departments within the jurisdiction and their characteristics on a monthly basis, and analyzes the causes of cash in the current period. In terms of statistical management, the Bank has always adhered to the National Statistics Law and the relevant provisions of the People's Bank of China and the Agricultural Development Bank. The statistical data are completely derived from the statements of the accounting departments of each branch, and they insist on reporting truth and truth, and do not publish statistics publicly. The information and disclosure statistics are confidential, and at the same time as the statistics of the provincial branches are completed on time, the various statistical reports required by the local people's banks are carefully prepared. Fourth, strengthen the management of financial supplement funds, do a good job of supervision and disbursement. Since the beginning of this year, the focus of the Bank's management of financial subsidy funds has been to strengthen links with the financial and food sectors, and actively report to the government, finance, and food authorities on food sales and custody. Whether the subsidy funds can be allocated in time directly affects the smooth progress of all work of the Bank. Since the liberalization of the grain market, the financial subsidies of state-owned grain purchase and sale enterprises have been gradually reduced, and factors such as historical issues have brought great difficulties and serious difficulties to the smooth completion of grain business operations and the Bank's interest rate. It affects the safety and efficiency of our bank's credit assets. Under the new situation, at the beginning of the year, the Bank conducted a tempering of the financial subsidies of the sub-branches and ministries under its jurisdiction, and timely grasped the changes in the quantity and stock of grain and cotton oil reserves at various levels and their causes, and the items and amounts of various subsidies. , source, time to be aware of. We will conscientiously implement standardized operations in the various financial subsidy policies and financial subsidy funds that have been mastered, earnestly strengthen the supervision of the financial subsidy funds and supervise the allocation of funds, and correctly report all kinds of financial subsidy statements on time and Relevant situation analysis; carefully and timely register all kinds of financial subsidy accounts to ensure accurate and consistent data between the accounts. Actively strengthen publicity, closely contact with the financial and enterprise authorities, strive for understanding and support, and create a good internal and external environment for the management of financial subsidies. Each branch and ministry implemented part-time personnel equipped with financial subsidy fund management, proactively urged the finance and enterprise authorities at the same level to timely allocate financial subsidy funds, clarify the ins and outs of each subsidy fund, and timely feedback the subsidy funds to the financial department, and urged The allocation of funds has avoided the situation of subsidized funds due to unclear responsibilities and information asymmetry, and actively cooperated with the accounting department to supervise the counters and jointly manage the special accounts for financial subsidies and the procedures for disbursement. After the joint efforts of the Bank and the local financial department and the competent department of enterprises, the financial subsidy funds have been in place and the monitoring and management standards have been greatly improved. By the end of the month, the city should receive various financial subsidy funds of xxxx million yuan, receive various financial subsidy funds xxxx million yuan, and the financial subsidy fund arrival rate is xx.x%. V. Monitoring and analysis of grade management indicators, timely adjustment of work ideas xxxx Annual grades assessment has a lot of adjustment compared with previous years. First, the municipal bank requires all branches to carefully understand the hierarchical management files and master the spirit of the new indicators. Provide feedback on the assessment indicators, analyze the difficulty level of each indicator, and guide the work throughout the year. Secondly, according to the completion of the monthly operating indicators of each bank, the municipal bank analyzes the causes and countermeasures of the missing items of each bank, and through the monitoring and reflection of the operating indicators, timely adjusts the working ideas and finds out the work.

Focusing on the work direction, ensuring the leadership's forecasting decisions, and effectively improving the management level of each bank. 6. Increase the depth of investigation and research, do a good job in business management analysis, and bring into play the comprehensive functions of the business. In order to give full play to the comprehensive functions of the fund planning business department, the Bank attaches great importance to improving the level of business management analysis and enhancing the practicality of business analysis. Leading staff assistant. Through in-depth analysis of the dynamics of the closed management of acquisition funds, such as the use of credit funds, the changes in the grain and oil materials movement, the changes in credit and capital activities, the changes in credit asset structure, and the abnormal changes in deposits and loans, Various factors, and adhere to the combination of static analysis and dynamic segmentation, the combination of near-term analysis and long-term analysis, the combination of bank credit business activity analysis and business operation analysis, micro-analysis and giant analysis, tightly Seize the acquisition of funds to close management priorities and doubts, reveal the law, identify characteristics, reflect problems, propose countermeasures, and enhance the forward-looking and guiding nature of the Bank's business management analysis. 7. Strengthening cash and interest rate inspections to ensure correct implementation of policies Since the beginning of this year, the Bank has continued to do a good job in cash management in accordance with the archives spirit of the relevant cash management and specific implementation measures. First, do a good job in cash plan management. Once the cash plan is issued, it will be carefully organized and implemented, and at the same time, it should do a good job of connecting with the local pedestrian cash plan. The second is to do a good job in the internal examination and approval of large-value cash payments, and strictly follow the large-scale cash payment level three approval system. The third is to strengthen the management of cash accounts for grain and cotton purchase and sale enterprises, strictly control the withdrawal of cash from the accounts of grain and cotton purchase and sales enterprises, reasonably verify the cash limit for enterprises in the off-season season, effectively improve financial services, and actively guide enterprises to reduce cash use. The branches have strengthened cash management in credit supervision and conducted cash special inspections on a regular basis. The city branch also inspected the branches at the same time as the interest rate check. From the inspection situation, the company's cash receipts and payments can basically be implemented in accordance with management requirements. The Bank uses various forms to publicize interest rate policies to purchase and sale enterprises, clearly publish the corporate deposit interest rate and normal loan interest rate stipulated by the PBOC, interest rate at the contract interest rate, interest rate adjustment according to interest rate, overdue loans, and misappropriation of loans and penalty interest. Guide enterprises to calculate the interest income and expenditure account; the bank strictly implements various deposit and loan interest rates and interest rate policies, earnestly safeguards the seriousness of interest rate policy, and effectively exerts the regulation, incentive and restraint of interest rates. While strictly implementing the interest rate policy, the Bank requires each branch to conduct a self-examination of the implementation of interest rates every quarter and report it to the municipal branch in writing. The municipal branch also conducted a comprehensive inspection of the implementation of interest rates on all loans of all branches. From the inspection situation, the implementation of interest rates can basically be in accordance with relevant state policy requirements. 8. Do a good job in forecasting the demand for credit funds in the summer and serve the business decision-making. In order to further improve the summer grain and oil purchases in xxxx and ensure the supply of grain and oil purchase funds, the Bank actively contacted the departments of food and agriculture to collect information on relevant agricultural economic sectors, such as changes in agricultural production structure, grain and cotton. Changes in oil planting area, changes in production, reform and restructuring of grain and cotton enterprises. And go deep into the enterprise, obtain the business information of the enterprise, and serve the project forecasting. Through the analysis of the situation of grain and oil purchase and sales this summer, it is expected that the early acquisition progress will be slower, the acquisition time will be lengthened, and there may be difficulties in collecting grain. With the liberalization of grain purchase conditions, the main body of grain purchases is diversified, and the volume of acquisitions is bound to decrease. Considering various factors, it is expected that the city will purchase about xxxx million kilograms of wheat and acquire xxxx million kilograms of rapeseed. Looking back at the management of fund planning in the first half of xxxx, although we have done a lot of work, there are still some gaps in the requirements of the provincial branches. There are still some weak links, mainly in the following: First, in the new situation, the city The business theory of the staff on the job is expected to be further enriched, and the comprehensive business needs to be further improved. Second, the monthly financial subsidy funds of the various branches and ministries under their jurisdiction are not satisfactory. It is necessary to further strengthen coordination with the local financial departments. IX. Work in the second half of the year In the second half of 2004, the Bank's fund plan management work should actively adapt to the current new situation, meet new challenges, and focus on the fund plan management work formulated at the beginning of the year, and actively carry out work, fully Give full play to the comprehensive functions of the fund plan management work and better serve the business operations of the whole bank. According to the work objectives and assessment contents determined at the beginning of the year, the assessment of fund planning work will be intensified, and the completion of assessment indicators will be announced to the sub-branches and ministries under the jurisdiction to promote the smooth progress of the city's fund planning management. Establish a credit delivery forecasting mechanism that meets the requirements of marketization. According to the principle of “purchase, sales, and profitability”, we predict the annual and quarterly purchases and sales of enterprises, and prepare annual and quarter grain and cotton purchase and sale plans. According to the supply and demand situation of the grain and cotton market and the expected purchase and sale price, according to the “effectiveness” The loan principle of “credit, sales and loan” predicts the amount of credit, and prepares annual and quarterly loan plans. At the same time, combined with the actual situation of the city and the changing trend of the grain and cotton market, the annual and quarter grain and cotton purchase and sale plans and loan delivery plans will be revised in time to gradually establish a credit supply forecasting mechanism that meets the requirements of marketization. Proactively communicate and coordinate with the local financial department, prompt the local supporting financial supplement funds to be in place on time, reduce the time for all kinds of financial supplement funds to stay in special accounts, and strive to increase the availability rate of financial supplement funds, in order to achieve the Bank's business objectives Create favorable conditions. Further improve the management level of cash and interest rates, organize business personnel to seriously study and master the relevant cash and interest rate management policies, and at the same time combine the current bank anti-money laundering work requirements, improve the correctness of the implementation of cash and interest rate policies, and increase inspection and supervision. Promptly identify and correct problems in the implementation of cash and interest rate policies