Summary of the work of establishing a financial security agency
In order to effectively prevent and resolve financial risks, create a good social quota and investment environment, maintain financial order and social stability, and promote sustained and healthy economic development, the government decided to carry out activities to establish financial security zones. The leaders of our bank attach great importance to it, actively organize their strength, establish specialized management departments, decompose and implement the establishment goals, and promote the in-depth development of the establishment work. Through efforts to establish a work in our bank, we have achieved certain results.
First, formulate working rules and clearly establish goals.
A good financial order, a sound financial operation, and a reliable social quota are necessary conditions for our bank to sustainably develop and effectively support the local economy. The purpose of the Bank's work in establishing financial security institutions is to enhance the concept of social quotas, maintain financial order, and adopt a sound business strategy through systematic and organized work to promote the common development of the Bank and the local economy. To this end, in accordance with the requirements of the government's "Financial Security Work Plan", the Bank has formulated detailed implementation rules for the establishment of work, established a work management system, clarified work responsibilities and work objectives, and proposed incentives and penalties to ensure the establishment of work. It can be carried out quickly, efficiently and in an orderly manner.
Second, grasp the credit investment and adjust the quality of asset operations.
In order to ensure the safe operation of credit assets of our bank and create higher efficiency, the credit work of our bank in the year strengthened the division of functions between the functional departments of the head office and the fund operation departments of the branches, clarified the responsibilities of each department, and revised and improved the credit. The operation program effectively improves the efficiency of credit work; on the other hand, it gives full play to the advantages of the local financial institutions and the characteristics of the citizen banks, and strives to construct a credit service system that adapts to urban development and the improvement of citizens' quality of life. Specifically, the first is to take the initiative to attack, through market segmentation, initially determine the goals and methods of credit services, ensure the rational optimization of credit investment, and prevent the occurrence of credit risk. Second, vigorously strive for enterprises that have successfully reformed, strengthen the selection and support of support and maintenance enterprises, and further reduce the industries with higher potential risks and reduce the overall risk level of credit assets of the whole bank. Third, vigorously promote the credit asset business types with low risk factors such as discounted bills and bank acceptance bills throughout the Bank. The fourth is to promote the establishment and operation of SME guarantee funds, and effectively reduce the loan risk to SMEs while increasing credit support for SMEs.
Third, strengthen the management of stock loans and improve risk prevention capabilities.
First, on the basis of thoroughly understanding the family level and implementing the five-level classification of science, in accordance with the requirements of deadline management, the loan tracking and recycling responsibility system was established, and efforts were made to solve the problem of excessive overdue loans. Second, pay close attention to the dynamics of enterprise restructuring. While ensuring the continuation of creditor's rights, enterprises with promising restructuring and technological innovation capabilities will be promptly contacted and intervened in advance, so that the operation of credit assets will form a benign circle and embark on a healthy development track. The third is to do a good job in collecting loans according to law, establish a system of responsibility for collection, and protect their rights and interests through legal means. The fourth is to formulate a strict collection and assessment method, so that the rewards and punishments are clear, the responsibilities are clear, and the enthusiasm of several aspects is exerted. The combination of the above and below, the overall operation, and a variety of flexible and effective means to solve a number of difficult problems. The fifth is to organize a comprehensive inspection of the credit work of the whole bank. Through inspection, counseling, exchange, rectification and acceptance, it has promoted the implementation of the Bank's credit rules and regulations and the improvement of operational standards, enhanced the risk prevention awareness of the sub-branches, and further implemented the credit management system. To improve the risk prevention ability of credit assets of the whole bank has played a facilitating role.
Fourth, improve the ability of assets to operate and ensure high liquidity of assets.
Under the premise of ensuring stable and healthy operation of the funds, the Bank made full use of the information in the national currency market and actively participated in the transaction. On the other hand, it focuses on adjusting the bond asset structure and converting fixed-rate bonds into floating-rate bonds to maintain a relatively stable level of income. While ensuring a certain level of income, it also guarantees high liquidity of assets.
Fifth, strengthen financial management and improve profitability.
** In the case of the expansion of bad debt reserve, deferred asset amortization and infrastructure costs, the Bank still achieved a higher level of income, mainly due to the expansion of the total credit scale and increased interest income. Strengthen the operation of bond assets and maintain high investment returns; and the work of open source and throttling has achieved results. In the process of business development, the Bank first fully considered the opportunity cost and comprehensive income of various resources, and began to implement the principle of management accounting in the process of business development, reducing the cost of business expansion; the second is to strengthen the assessment of loan interest rate. The third is to comprehensively increase income and reduce expenditures, and strive to reduce and control all kinds of unreasonable expenses, effectively controlling the growth of various expenses. Through the above measures, the Bank's asset profit margin has been maintained at a good level and the target requirements have been met.
Sixth, strict audit and supervision to ensure safe operation.
Along with the continuous development of various businesses of our bank, the Bank further strengthened the role of the integrated business after-sales supervision center, and continued to strengthen the supervision of the original business and the role of supervision and guarantee for the improvement of accounting quality. The scope of supervision and the quality of supervision have been significantly improved. The Bank has initially established a comprehensive management after-sales supervision as the main means, based on various rules and regulations, on-site audit and off-site audit supporting operation, with local characteristics of internal control system to ensure compliance and health of various businesses. run. At the same time, in the area of the three defenses and one insurance, the Bank continued to pay close attention to the three financial rectification work, and organized a full-scale safety inspection for many times. The safety work was affirmed by the Public Security Bureau and the People's Bank of China.
First, formulate working rules and clearly establish goals.
A good financial order, a sound financial operation, and a reliable social quota are necessary conditions for our bank to sustainably develop and effectively support the local economy. The purpose of the Bank's work in establishing financial security institutions is to enhance the concept of social quotas, maintain financial order, and adopt a sound business strategy through systematic and organized work to promote the common development of the Bank and the local economy. To this end, in accordance with the requirements of the government's "Financial Security Work Plan", the Bank has formulated detailed implementation rules for the establishment of work, established a work management system, clarified work responsibilities and work objectives, and proposed incentives and penalties to ensure the establishment of work. It can be carried out quickly, efficiently and in an orderly manner.
Second, grasp the credit investment and adjust the quality of asset operations.
In order to ensure the safe operation of credit assets of our bank and create higher efficiency, the credit work of our bank in the year strengthened the division of functions between the functional departments of the head office and the fund operation departments of the branches, clarified the responsibilities of each department, and revised and improved the credit. The operation program effectively improves the efficiency of credit work; on the other hand, it gives full play to the advantages of the local financial institutions and the characteristics of the citizen banks, and strives to construct a credit service system that adapts to urban development and the improvement of citizens' quality of life. Specifically, the first is to take the initiative to attack, through market segmentation, initially determine the goals and methods of credit services, ensure the rational optimization of credit investment, and prevent the occurrence of credit risk. Second, vigorously strive for enterprises that have successfully reformed, strengthen the selection and support of support and maintenance enterprises, and further reduce the industries with higher potential risks and reduce the overall risk level of credit assets of the whole bank. Third, vigorously promote the credit asset business types with low risk factors such as discounted bills and bank acceptance bills throughout the Bank. The fourth is to promote the establishment and operation of SME guarantee funds, and effectively reduce the loan risk to SMEs while increasing credit support for SMEs.
Third, strengthen the management of stock loans and improve risk prevention capabilities.
First, on the basis of thoroughly understanding the family level and implementing the five-level classification of science, in accordance with the requirements of deadline management, the loan tracking and recycling responsibility system was established, and efforts were made to solve the problem of excessive overdue loans. Second, pay close attention to the dynamics of enterprise restructuring. While ensuring the continuation of creditor's rights, enterprises with promising restructuring and technological innovation capabilities will be promptly contacted and intervened in advance, so that the operation of credit assets will form a benign circle and embark on a healthy development track. The third is to do a good job in collecting loans according to law, establish a system of responsibility for collection, and protect their rights and interests through legal means. The fourth is to formulate a strict collection and assessment method, so that the rewards and punishments are clear, the responsibilities are clear, and the enthusiasm of several aspects is exerted. The combination of the above and below, the overall operation, and a variety of flexible and effective means to solve a number of difficult problems. The fifth is to organize a comprehensive inspection of the credit work of the whole bank. Through inspection, counseling, exchange, rectification and acceptance, it has promoted the implementation of the Bank's credit rules and regulations and the improvement of operational standards, enhanced the risk prevention awareness of the sub-branches, and further implemented the credit management system. To improve the risk prevention ability of credit assets of the whole bank has played a facilitating role.
Fourth, improve the ability of assets to operate and ensure high liquidity of assets.
Under the premise of ensuring stable and healthy operation of the funds, the Bank made full use of the information in the national currency market and actively participated in the transaction. On the other hand, it focuses on adjusting the bond asset structure and converting fixed-rate bonds into floating-rate bonds to maintain a relatively stable level of income. While ensuring a certain level of income, it also guarantees high liquidity of assets.
Fifth, strengthen financial management and improve profitability.
** In the case of the expansion of bad debt reserve, deferred asset amortization and infrastructure costs, the Bank still achieved a higher level of income, mainly due to the expansion of the total credit scale and increased interest income. Strengthen the operation of bond assets and maintain high investment returns; and the work of open source and throttling has achieved results. In the process of business development, the Bank first fully considered the opportunity cost and comprehensive income of various resources, and began to implement the principle of management accounting in the process of business development, reducing the cost of business expansion; the second is to strengthen the assessment of loan interest rate. The third is to comprehensively increase income and reduce expenditures, and strive to reduce and control all kinds of unreasonable expenses, effectively controlling the growth of various expenses. Through the above measures, the Bank's asset profit margin has been maintained at a good level and the target requirements have been met.
Sixth, strict audit and supervision to ensure safe operation.
Along with the continuous development of various businesses of our bank, the Bank further strengthened the role of the integrated business after-sales supervision center, and continued to strengthen the supervision of the original business and the role of supervision and guarantee for the improvement of accounting quality. The scope of supervision and the quality of supervision have been significantly improved. The Bank has initially established a comprehensive management after-sales supervision as the main means, based on various rules and regulations, on-site audit and off-site audit supporting operation, with local characteristics of internal control system to ensure compliance and health of various businesses. run. At the same time, in the area of the three defenses and one insurance, the Bank continued to pay close attention to the three financial rectification work, and organized a full-scale safety inspection for many times. The safety work was affirmed by the Public Security Bureau and the People's Bank of China.
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