Bank's second half of the work plan

Since the second half of last year, the provincial branches have adjusted their focus to grasping internal control, grasping management, preventing cases, and preventing risks. They have proposed a series of measures and requirements, including management systems, personnel thinking, and team building. Through these measures and requirements, the Secretary of the Secretarial Tribe Provincial Branch hopes to truly incorporate the development of my branch into a normative track. The improvement of the management level of the whole branch is a prerequisite for the development of the front. We can no longer afford to suffer from the similarities of previous cases and the growing non-performing assets. If we toss it up, it will be hopeless. Therefore, we must solve the problem of management and risk prevention. The work in the second half of this year should be considered and arranged from the following aspects:

First, to adapt to the new situation and the requirements of joint-stock banks, truly learn to seek effective development on the basis of strict risk control, and must not repeat the extensive development before. After several years of mental preparation, organizational preparation, and institutional preparation, it is to achieve long-term development in the future. We must learn to adapt, control and use this new system, and to guard against risks, rather than trying to break through the system. Therefore, in the second half of the year, we must seek effective development and learn to go to market under strict risk control. Under the current situation of macroeconomic regulation and control, many large enterprises have some difficulties. We have identified enterprises, and there are marketing opportunities when we choose the right time to intervene. Marketing must break through the old credit culture, learn to grasp customers, grasp settlement, grasp product marketing, and learn to operate customers. By grabbing customers for intermediate business income, rather than simply crediting. Under the current concept of development, we have to pay attention to a few issues:

First, continue to implement the loan approval system and scale management, recycle one piece, and withdraw one piece to ensure the new delivery needs. The key is to judge whether the quality of the customer can not stand the risk system assessment. The non-performing rate of pure new loans this year should be controlled below 0.3%. It is necessary to strengthen the management of loan scale and ensure that the scale of new loans will be placed in key industries, key customers, key products, key areas, and head office and provincial branches. To pay attention to business strategy, we must have a big picture. While grasping key projects, we must actively do a good job in marketing and reserve, and do a good job in settlement accounts and intermediary business.

The second is to increase structural adjustment efforts and optimize the quality of credit assets. While maintaining good quality customers such as telecommunications, electricity, transportation, and petroleum, we will focus on growth industries such as education, ports, and electronics, and quality customers in the industry that meet the requirements of national industrial policies. It is necessary to properly control the loans of overheated industries such as steel, cement, real estate, and automobiles in a timely manner, and seize the opportunity to withdraw from some overheated industries in an orderly manner. It is necessary to strengthen marketing to expand multinational companies and export-oriented enterprises.

The third is to increase efforts to collect and compress non-performing loans, and gradually withdraw from industries and customers with poor business performance, small scale, and no potential for development.

The fourth is to fully understand the urgency of the current corporate deposit work situation and vigorously promote corporate deposit work. The provincial branch has set up a working group for public enterprise deposits. The company's business system should carefully analyze the situation of corporate deposits under the leadership of the working group and study and formulate practical measures. I hope to minimize the number of "passing the road", not the number of water.

The fifth is to consolidate the basic management and risk control capabilities of the personal loan business, fully compress the non-performing loans of individual loans, accelerate product innovation and business innovation, and implement personal banking and intermediary business after implementing the strategy of “corporate business shifts and personal business sinking”. To be an important source of revenue and profit for outlets. After the lending system and mechanism are straightened out, personal consumption loans and personal housing loans must be able to really get a valid share.

2. On the basis of the internal management risk control system adjustment results, continue to refine and deepen the basic management, improve the risk prevention measures, improve the basic management level, and improve the risk control capability. In the second half of the year, we must continue to strengthen the basic and detailed management, fundamentally Improve risk prevention capabilities and promote sustainable business development.

1. Risk prevention work should be carried out constantly and establish a long-term mechanism to ensure asset quality. First, continue to further promote the risk management platform project to ensure the quality and progress of related work: the completion of the preparation and review of the system archives at the end of July; the trial operation phase of the system entered in August; the project promotion was completed during the year. The risk management platform project is the focus of strengthening management. The workload and tasks are relatively large, and all branches must attach great importance to it. Second, it is necessary to improve the dynamic management mechanism of new business operation rights, introduce product risk rating system, improve risk control policy and product structure adjustment policy, introduce economic capital constraint theory and risk and benefit matching principle to adjust my branch product structure and pricing policy. Third, according to the new transfer authorization method of the head office, improve the internal control evaluation and authorization system, and adjust the optimized credit regional structure and customer structure according to the economic development of each region and the management level of each institution. The fourth is to strengthen the management of loan access, improve the loan investigation and approval mechanism, establish an appraiser evaluation system, strictly authorize management, and strictly control the quality of new loans. The fifth is strictly new

The identification and investigation of good loan liability resolutely crack down on unethical practice and establish a correct professional outlook, risk outlook and good credit culture.

2. Do a good job of "conference warfare" after the separation of suspicious loans. At present, according to the policy of priority stripping of suspicious loans listed by the head office, our branch has preferentially divested suspicious loans with poor asset quality within the policy scope, minimizing the historical burden and financial burden of provincial branches. Despite the divestiture of non-performing assets, our non-performing rate is still very high, especially in the credit card business. In the second half of the year, the focus of the General Assembly’s war pressure over the promotion will be adjusted accordingly. We must thoroughly study the problem of poor stocks and deal with them early. Write off early, prevent risks and improve asset quality.

Third, in-depth promotion of the "safe operation year" work. This year, it is proposed to achieve safe operation, involving all aspects of governance and institutional reform. In the second half of the year, we will continue to implement and advance, and we must ensure full operation.

Fourth, actively cooperate with the head office to do a good job in restructuring and restructuring. It is necessary to implement the organization and promotion of reorganization of financial restructuring, post-distribution accounting, institutional withdrawal, and financial planning. After the announcement period, we must take the time to complete the institutional withdrawal plan and adjust the structural optimization direction. To this end, each branch must strengthen the organization and clarify its responsibilities in accordance with the requirements of the head office. Each secondary branch should implement a first-hand responsibility system, start with key links, and formulate multi-level emergency plans, especially considering emergency measures in the most complicated situations; leaders at all levels must implement a rotating duty system, without the approval of the leading group. Do not leave your position. At the same time, it is necessary to ensure the smooth flow of emergency mechanisms and information channels and establish a strict work inspection and accountability system.

Branches should pay close attention during the announcement of the division: fund preparation and cash supply, security of group incidents and case investigations, operation of electronic products and systems, and local media reports, strictly abide by the Q&A discipline, in this sensitive In the stage, we must ensure that everything is foolproof, we must not relax, and we cannot make big problems.

Fifth, continue to promote the "Employee Training Year" work. It is necessary to improve the training of cadres and staff, and further improve the management level and team quality. In particular, we must strengthen the training and guidance of the heads of grassroots outlets, so that they can quickly change their concepts and achieve the healthy development of various businesses.

Sixth, do a good job in the preparation of DCC online. First, do business testing; second, pay attention to network staff training; third, develop a well-planned emergency plan.

7. Cooperate with the banking regulatory bureau to do three inspections and implement rectification in a timely manner. The Banking Regulatory Bureau plans to station in our branch in July to carry out three inspections, including the quality of bills, new loans and internal control status. We have been paying close attention to internal control for nearly a year. In fact, the inspection is also a comprehensive inspection. The specific unit to be inspected for the inspection of the bill must be implemented and notified to the person. The unit to be inspected must first clean up and clean up, and the bill center should be arranged quickly to correct the problem in time. In addition, the problems investigated in the audit, the rectification must be rectified, the adjustment should be adjusted, and the solution should be resolved.

8. Pay attention to the ideological work of employees after the announcement of separation. After the announcement of the share reform, the basic calm from the outside world has not affected the interests of customers, and the market has not responded much. However, our internal employees have some ideological concerns. I hope that the heads of branches and department heads will pay close attention to the negative emotions of employees. Some people may be very anxious, some people will not know, some people accept the wrong signal, and everything will happen. For example, veteran cadres may not be very clear about the relationship between “group” and “shares”. In general, we must give everyone a confidence. It is clear that in the process of share reform, it will definitely be different from the existing interests, but it will only get better and better. The personnel problem will not change much.

9. Do a good job of strategic work arrangements across the year. In the past two years, I have been paying attention to the issue of strategic placement. Some of the banks have carried out the transformation of outlets, and some of them have made new expansions. As the president of the secondary branch, it is necessary to have a strategic vision. Although some problems in the assessment system will have an impact on the current period, we feel a little pressure, but we must undertake a strategic investment across the year. The term of a unit or department leader is always limited. It is impossible to do a lifetime in any position or place. Property is not personal, but a qualified bank leader has such a large resource, basic professionalism and professional ethics. And basic values ​​are reflected in the strategic vision. We can't do banking business like a farmer. I am hungry. I first ate and sold the millet, and I didn't even keep the grain. I will talk about it next year. We are a bank, we can't eat food, this is a quality problem! Strategic delivery issues must not be ignored. Cross-year financial arrangements must be considered and cannot be abandoned.