Sub-branch work summary for the first half of 2019 and work focus for the second half of the year

Pioneering and innovating

In the first half of XX, the Bank guided the spirit of the work meeting of the head office at the beginning of the year, adhering to the line of “the bank of xx people” and “the bank of building a new countryside”. According to the actual situation of the Bank, it closely focused on the “10 projects of the xx sub-branch”. With the joint efforts of the sub-branch team and all the staff, the work of the project has been progressing steadily, and the performance of the sub-branch has made great progress and the situation is gratifying.

As of the end of June, the balance of various deposits was xxxxx million yuan, a net increase of xxxx million yuan from the beginning of the year, an increase of xx.x%, and xx.x% of the annual project task. The daily average deposit balance was xxxxx million yuan, a net increase of xxxx million yuan from the beginning of the year, an increase of xx.x%, and xx.x% of the annual project task. Among them: the balance of savings deposits is xxxxx million yuan, a net increase of xxxx million yuan compared with the beginning of the year; the balance of margin deposits is xxxx million yuan, accounting for xx%. The balance of various loans was xxxxx million yuan, a net increase of xxxx million yuan over the beginning of the year, an increase of x.xx%, of which the balance of agricultural loans was xxxxx yuan, accounting for xx.x%, the balance of small credit loans xx households was xx million yuan, and joint guarantee loans. The xx household balance is xxx million yuan, and xx small-scale agricultural loan cards are added. The non-performing loans were recovered by xx million yuan, of which xx million yuan was written off, and the non-performing loan balance was xxx million yuan, a net increase of xx million yuan over the beginning of the year, and the proportion of bad loans was xx%. The interest income of the first half of the whole year was XXX million yuan

First, the main work measures

Unify thinking, based on reality and fully deployed.

On the basis of earnestly analyzing the situation and unifying the ideological understanding, our team and internal and external managers have put forward a series of profound and operative guidelines after careful research and discussion, combined with the actual situation of the Bank. With the total amount, quality, structure, and management as the center, we will focus on the new highs of deposits, strict control of loans, and breakthroughs in management, and make overall plans, refine the division of labor, and implement the tasks of the task.

According to the specific requirements of the “guarantee and dig” strategy, combined with the characteristics of the regional structure of xx sub-branch, the Bank has put forward specific work measures in adjusting the operating structure, implementing risk management, innovating incentive mechanisms, and strengthening team building. "XX Branch XX New Year Opens Business Competition Program", "XX Branch New Wenzhou People Marketing Program", "XX Branch Bank Credit Business Operation Guidelines", "Employee Area, Responsibilities Division", "xx Branch XX Annual Ten Projects" ", to provide a solid and orderly development of all work to provide protection.

Refine the strategy, mobilize all staff, and strive to break through.

In-depth implementation of the established strategic deployment of the sub-branch, refine the "guarantee and dig" strategy, comprehend "employee is the best combat power", focus on mining forces, from clearing ideas, accurate positioning, raising awareness, actively educating and guiding employees to further enhance their worries Consciousness, competition awareness and sense of responsibility, resolutely overcome the fears and war-weariness of doing nothing in the face of competition and difficulties, and constantly strengthen the business philosophy of “customer standing”, “depositing deposits” and “freeing up all employees' creativity and fighting for market share”. In-depth implementation of the spirit of the head office of the head office, the opening of the red competition activities, the Spring Festival fishing competition activities as an opportunity to effectively launch the full force of the staff, and vigorously carried out an all-round, multi-level storage and storage work.

At the same time, we will study the segmentation of the deposit market, establish and improve the president to personally grasp large households, key households, and account managers to grasp the relevant loan-related households, and the cabinet personnel to grasp the general deposit account organization system and build a sound and effective incentive mechanism. According to the performance of catching deposits, rewards and punishments shall be carried out according to the season and activities, and comprehensive assessment shall be included at the end of the year. Ensuring the implementation of the spirit of every meeting of the head office and the implementation of each marketing competition, all members are required to look at the rankings and find gaps. For those who have gaps, further efforts should be made to ensure that the latter should be advanced and advanced.

Strengthen the collection, pay close attention to "double down", and strive to ensure quality.

In view of the poor credit environment of our business environment, the quality of loans has a high proportion of non-performing assets and the difficulty of clearing collections. The Bank further strengthened the operation of “increasing the collection of non-performing loans and speeding up the exit of the “small gap” loan”. Thoughts, strengthen the collection, pay close attention to "double down", and effectively take the pressure drop of non-performing loans as a top priority.

The first is to strengthen the responsibility system for non-performing loans management. The responsible governor personally took the lead to participate, the responsible person cooperated, and flexibly used the effective measures of family ties, relations, court compulsory, etc., and went all out to grasp the collection work, and combined with the characteristics of xx region, advocated a good atmosphere, research regulations The loan access and exit rules were implemented to speed up the pace of structural adjustment. By the end of June, xx households with a small amount of loans had been withdrawn, and the amount was more than xxx million yuan.

Second, pay close attention to the dynamics of new non-performing loans and adhere to the law to collect loans without wavering. Strive for mutual cooperation and flexible use of litigation methods to overcome one by one. By the end of June, the whole bank had accused x households, the amount of xxx million yuan, and the recovery of non-performing loans x xx million yuan, and the management of the collection and management of non-performing loans was solid and effective.

Adhere to the principle, pay close attention to marketing, and increase efficiency.

In accordance with the principle of "asset, liability, intermediary business" integrated marketing, we will vigorously tap small and medium-sized customers with development potential.

First, grab the small and medium-sized public customers. For all types of SME customers who are in line with national industry and industry policies, operational benefits and development prospects, priority will be given to credit. In the first half of the year, new SME loans were added, with an amount of xxxx.

The second is to strive to build the core competitiveness of personal business. Under the premise of strict procedures and ensuring quality, we will actively market small-scale rural household loans, use small-value loan cards as the main products of personal business marketing, comprehensively explore personal business resources, and actively develop and cultivate a group of individual customers with relatively stable income and good reputation. group.

The third is to increase the expansion of intermediary business. Firmly grasp the marketing strategy of the integration of intermediary business and asset business, both hands are caught, both hands are hard.

Fourth, through the improvement of the marketing incentive mechanism, vigorously promote all-person marketing and team marketing, give full play to the social resources of all employees, so that the Bank's business structure and customer structure have been significantly improved.

Strengthen management, pay close attention to internal control, and promote improvement.

The Bank insisted on carrying out basic management as an important safeguard measure for the normal operation of business operations, strictly fulfilling the specific requirements for internal control compliance, and regularly organizing self-examination, self-correction and supervision in accordance with the principle of “level one level, one level and one level of regulation”. Rectification and timely check and correct some violations of the grassroots operation posts of the Bank, and at the same time pay full attention to the quality of service, timely check and feedback on issues related to people's reflections and complaints, effectively preventing various types of cases and accidents.

It is worth mentioning that at present, my sub-branch is preparing for the whole staff, striving to create a second-level unit of accounting, and hopes to take this opportunity to greatly improve the accounting standards and service quality of the sub-branches and achieve brand building.

Second, the difficulties and problems

In the past six months, although the work of the Bank has achieved some results, there are still some difficulties and problems.

First, the loan marketing is difficult, and the funds are not fully utilized, which seriously affects operating income. The main reason is that the local economy is dominated by the agricultural economy, the industrial economy is weak, the conditions are relatively backward, the number of excellent customers is small, the demand for effective loans is insufficient, and the vicious circle of customer managers is affected. In addition, the personal business is subject to the local business environment and The restrictions on conditions, the development space is not very large, coupled with structural adjustments, resulting in personal loans, mortgage loans have a negative growth, deposits and loans mostly floated around xx%, which has seriously affected the Bank's operating efficiency. [page]

Second, there are drawbacks in the assessment indicators. Some specific compliance tasks, such as the growth of farmers, the increase of pure agricultural loans, and the mortgage rate, are too difficult in actual operation, which affects the enthusiasm of the account manager to a certain extent.

Third, the second half of the work focus

In the second half of the year, we will maintain a good momentum, carry forward the hardships and innovative spirit of the rural creditors, and strive to make new breakthroughs in all aspects of work.

First, continue to increase the amount of seizures and continue to occupy the deposit market. Vigorously develop individual customer groups, especially xx people in xx jurisdiction and Wenzhou people outside xx, internal and external linkages to ensure stable growth of savings deposits; actively “grab” new customer groups, strive to make breakthroughs in public deposits; strengthen competition Development, focusing on high-quality customers, further increase the growth rate of deposits, and ensure the growth of total bank deposits and market share.

The second is to recognize the situation and grasp marketing. The slow marketing of loans is the biggest problem and difficulty in the current operation of the Bank. The Bank will further study the overall ideas and specific measures of loan marketing, identify the entry points and breakthroughs of loan marketing, and strive to improve credit marketing through unified deployment and linkage marketing. The success rate of work.

The third is to reduce the progress of bad. Actively adopt various effective means to fully accelerate the exit of the small-sum loan while fully safeguarding the loan claims of the Bank.

The fourth is to do a good job in the service of the construction of the new district of Minjiangkou New Area, improve the income of intermediary business, vigorously carry out foreign exchange business, further strengthen contact and communication with system customers such as schools, health centers, hydropower, and continuously expand the scope of business cooperation.

The fifth is to speed up the progress of outlet decoration, establish a new image of outlets, introduce the concept of Ou Gu De service, comprehensively improve the quality and level of service, and strive to achieve the new level of internal control and service through the second-level accounting standards.