Bank's first half of the fund management summary

Organize business personnel to carefully study and master the relevant cash and interest rate management policies.

Further increase the level of cash and interest rate management. At the same time, combined with 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. Identify and correct problems in the implementation of cash and interest rate policies in a timely manner.

With the further liberalization and deepening of the food market, this year. The issue of agriculture, rural areas and farmers and the issue of food security have become increasingly prominent. The management functions and business scope of agricultural issuance have also changed. The closed management of acquisition funds is facing a new situation. Under the correct leadership of the party committee of the municipal branch, Focusing on the closed management center of acquisition funds, timely adjusting the working ideas, taking the standardized management assessment of the head office as the working principle, and striving to achieve the dual goals of improving the efficiency of credit funds and effectively preventing credit risks, and mobilizing the staff of the fund planning line. The enthusiasm of the work, giving full play to the functional role of the fund planning work, has made the Bank's fund planning work have achieved good results. The management of the fund plan for the first half of the year is as follows:

Clarify the work objectives,

First, unity. Quantify and refine the assessment method

The municipal branch held an annual work meeting, following the provincial and branch presidential meetings. Put risk management at the top of the work of the whole bank, clearly put forward the guidance 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 to highlight The guiding functions and service functions of the office are the purpose, and the credit management of the project is carried out flexibly and pragmatically. In addition, according to the assessment method of the provincial bank's fund planning department, the content of the fund plan work has been quantified and refined. From the department to the grassroots level, the project management personnel post responsibility system has been established, and various items have been improved. Management System. In the percentage assessment method, the fund planning work is subdivided into seven parts: project management, fund management, financial subsidy fund management, cash and interest rate management, statistical management, hierarchical management, and comprehensive business management. Implementation, responsibility implementation, and work implementation. The work in the past six months indicates that the work opinions and assessment methods formulated at the beginning of the year are clear and realistic, and they have certain guidance and pertinence for doing a good job in the city's capital planning work.

Improve the efficiency of capital use.

Second, strengthen the management of capital operations.

The Bank further strengthened the management of credit funds operations this year. After the withdrawal of credit funds, the loans within the system were repaid in a timely manner, and the return of loans and the decline in borrowings were basically consistent. In the first half of the year, the monthly credit fund utilization rate remained above 99.5%, and credit funds adhered to higher operating standards.

Strict management of the capital position, 1 adhere to the management of the capital position limit. Since the beginning of this year, the Bank's planning department has further raised its awareness of business accounting. Within the approved capital position limit of the provincial bank, the fund position limit of the grassroots bank is approved quarterly, and under the premise of ensuring the normal business development, each bank tries to compress the position occupation within the limit according to its own situation, 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 and not wasted.

The city and county are clearly responsible for the management of fund allocation. When you adjust the funds, 2 improve the fund management. On the fund scheduling link. The convergence of funds transfer and credit plans has enhanced the dual regulation of funds and plans, and prevented the disconnection of capital supply. Since the beginning of this year, the electronic bank's funds have been adjusted to operate normally. The company has continued to adhere to the principle of “small quota and diligent dispatching”. 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 time for funds. The use of capital positions has been reduced. In the first half of this year, the Bank has requested a total of 87 233.5 million yuan. At the same time, the Bank strictly follows the requirements of the higher-level bank, regulates the use of the "China Agricultural Development Bank Credit Funds Transfer Notice", please adjust the funds, the "Application for Approval of Funds", etc., and establishes the system of funds in the system to pass the monthly electronic exchange system. Reconciliation with the head office, the annual account is error-free, ensuring the safe operation of funds.

Improve the quality of statistical data

Third, strengthen statistical management.

Overtime work is added. First, the statisticians at all levels have overcome the actual situation that the statistical workload has been greatly increased compared with previous years, and the statistical reports are not extended. Work hard, quality, quantity, and 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.

Analyse the monthly cash receipts and expenditures of branches and departments within the jurisdiction and their characteristics,

b) To strengthen the monitoring and analysis of the implementation of the cash plan. The bank established a system for cash placement and returning monthly analysis speeches. And focus on the reasons for the current cash supply.

The statistics are completely derived from the statements of the accounting departments of each branch.

3. The Bank has always adhered to the statistical regulations and the relevant provisions of the People's Bank of China and the Agricultural Development Bank. Adhere to the truthfulness and truthfulness, do not arbitrarily publish statistical data and disclose statistical secrets, and complete all the statistical data stipulated by the provincial branches on time, and earnestly do all kinds of statistical reports required by the local people's banks.

Do a good job in supervision and disbursement work 4. Strengthen the management of financial supplement funds.

Actively report to the government, finance, and food authorities on food sales and custody. Since this year, the focus of the Bank's management of financial subsidy funds has been to strengthen links with the financial and food sectors. Whether the subsidy funds can be timely allocated to the position directly affects the smooth progress of all work.

The financial subsidies of state-owned grain purchase and sale enterprises have been gradually reduced.

a) After the release of the food market. In addition, factors such as historical issues have brought great difficulties to the smooth completion of grain business operations and the Bank's interest rate, and have also seriously affected the safety and efficiency of credit assets. Under the new situation, at the beginning of the year, the financial subsidies of the sub-branches and ministries under its jurisdiction were investigated, and the changes in the quantity and inventory value of grain and cotton oil at all levels were investigated in a timely manner, and the causes, amounts and sources of various subsidies. Time should be counted. 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.

Close contact with the financial and business authorities,

b) Actively strengthen publicity. Strive for understanding and support, and create a good internal and external environment for the management of financial subsidy funds. 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 prevented the situation of subsidy funds from being stranded due to unclear duties 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.

Please keep this mark for your reprint. The situation of political subsidy funds and the level of monitoring and management have been greatly improved. Until the end of June,

c) After the joint efforts of the Bank and the local financial department and the competent department of enterprises. The city has received a total of 62.43 million yuan of financial subsidies, and received 68.87 million yuan of financial subsidies, and the rate of financial subsidy funds reached 77.8%.

Adjust your work ideas in a timely manner

5. Monitoring and analysis of grade management indicators.

First of all, the city line requires the branches to carefully understand the level management files. The annual level line assessment has been greatly adjusted compared with the previous year. Master the spirit of the new indicators, and 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, collects the work priorities, and clarifies the work direction for the leadership. Predictive decision-making provides guarantees and effectively improves the management level of each bank. [page]

Do a good job in business management analysis,

6. Increase the depth of investigation and research. Bring into play the comprehensive functions of the business

The Bank attaches great importance to improving the level of business management analysis in order to give full play to the comprehensive functions of the fund planning business unit. Enhance the practicality of business analysis and be a consultant assistant to the leadership. 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.

Ensure that policies are implemented correctly

7. Strengthen cash and interest rate checks.

In accordance with the spirit of the file on cash management and the specific implementation methods,

a) This year. Continue to do a good job in cash management. 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 of internal approval for large-value cash payments, strictly in accordance with the three-level approval system for large-value cash payments. 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. Cash management has been strengthened in the credit supervision of each branch, and cash special inspections are not conducted 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.

Clearly announce the corporate deposit interest rate and normal loan interest rate stipulated by the PBOC.

b) The Bank uses various forms to publicize interest rate policies to purchase and sale enterprises. Carrying interest at the interest rate of the contract, adjusting interest rates by interest rate, overdue loans, and misappropriation of loans and penalty interest, guiding enterprises to calculate interest income and expenditure accounts; banks strictly enforce various deposit and loan interest rates and interest rate policies, Maintain the seriousness of the interest rate policy and effectively exert the role of 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 national policy requirements.

Serve business decision making.

Eight, earnestly do a good job of summer credit funding demand forecast.

To ensure the supply of grain and oil purchase funds, to further improve the summer grain and oil purchases. Actively contact with the departments of food and agriculture to collect information and materials of relevant agricultural economic departments, such as changes in the structure of agricultural production, changes in the area of ​​grain and cotton oil planting, changes in production, and the 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, the city is expected to acquire about 62 million kilograms of wheat and 19.45 million kilograms of rapeseed.

Although I have done a lot of work, I reviewed the management of the fund plan in the first half of the year. However, there are still some differences in the requirements of the provincial branches. There are still some weak links, mainly indicating that in the new situation, the theoretical level of the work of the city's planned employees needs to be further emptied, 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.

Nin, the second half of the work plan

To meet the new challenges, our bank's fund plan management work should actively adapt to the current new situation in the second half of the year. Focusing on the opinions of the fund plan management work formulated at the beginning of the year, we will actively carry out the work, give full play to the comprehensive functions of the fund plan management work, and better serve the business operations of the whole bank.

Increase the assessment of fund planning work,

a) According to the work objectives and assessment content determined at the beginning of the year. According to the quarterly branch and department, the inspection of the completion of the assessment indicators will be carried out to promote the smooth progress of the city's fund plan management.

Prepare annual and quarter grain and cotton purchase and sale plans; based on the supply and demand situation of the grain and cotton market and the expected purchase and sale price,

b) Establish a credit delivery forecasting mechanism that meets the requirements of marketization. According to the principle of “purchase, sales, and profitability”, the company purchases and sells the annual and quarterly enterprises. According to the loan principle of “effectively lending, selling loans”, the amount of credit is predicted, and the annual and quarterly loan plans are prepared. 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.

Promote local supporting financial resources in full and on time,

c) Proactively communicate and coordinate with the local financial department. We will reduce the time for all kinds of financial supplements to stay in special accounts, strive to increase the rate of financial supplement funds, and invent favorable conditions for realizing the Bank's business objectives.