A summary of the work of a rural cooperative bank in 2019

Since the beginning of this year, the Rural Cooperative Bank has fully implemented the spirit of the provincial and municipal rural credit cooperatives working conferences, and has been working closely with the provincial associations in the spirit of the correct leadership of the higher-level organizations and the banking supervisory departments and the strong support of the municipal party committee and the municipal government. The assessment targets issued at the beginning of the year, with the focus on accelerating reform, focusing on business development, focusing on supporting “agriculture, rural areas and farmers”, and conscientiously implementing various policies and measures, so that the Bank’s management and service quality have been Significant improvement, steady progress in various businesses and reforms, and now the work of our team for the past year is as follows.

I. Completion of various assessment indicators

Annual new deposit indicator. By the end of 2019, the Bank's new deposits reached 950 million yuan, completing 118% of the annual new deposit plan requirements of the ** office.

Annual new agricultural loan new quota indicator. By the end of 2019, the Bank's small agricultural loans increased by 400 million yuan to complete the assessment target.

Annual intermediate business income indicator. By the end of the year, the income from intermediary business reached 2 million yuan, and the indicators were completed.

The indicator of the decline in the amount or rate of non-performing loans. By the end of the year, the total non-performing loans of the whole bank was 190 million yuan, down 18.34 million yuan from the beginning of the year.

Pre-tax profit indicator. By the end of the year, the Bank achieved a pre-tax profit of 65 million yuan and completed the assessment target.

In the five major systems of industry, agriculture, China, construction and rural credit, the proportion of new market share in the year was higher than that at the beginning of the year.

Second, focus on the target, pay close attention to business, business operations develop rapidly

A comprehensive review of the completion of the 2019 assessment indicators, all assessment indicators have met the assessment objectives, the Bank's business operations are showing a virtuous cycle of rapid development. Looking back on the past year, our team has led the staff of the whole bank to do the following work in business operations:

Vigorously carry out fund organization work. In 2019, under the leadership of the head office team, the broad-based cadres and employees of the Bank firmly established the overall goal of refining the market, expanding the total amount, optimizing the structure, and paying attention to efficiency, earnestly doing a good job in fund organization, and striving to achieve a new deposit share growth. The breakthrough, the optimization of the deposit structure has a new breakthrough. To this end, we have taken the following measures: First, the task is implemented early, and the plan is scheduled early. The head office timely formulated assessment methods, implemented the assessment mechanism, and clarified the goal of exceeding RMB 5 billion in deposits before the opening of the cooperative bank. It formed a pressure for everyone and everyone had the motivation to fully mobilize the enthusiasm of each employee. The situation between you and the community is chasing me. The second is to increase publicity and enhance the image of cooperative banks. Through the unified planning and unified decoration publicity of the city's urban institutional outlets before the Spring Festival, deposits exceeded 5 billion yuan of large-scale publicity activities, the establishment of the cooperative bank, the opening of the business and other major activities such as newspapers, television stations and other news media and the province's rural cooperative financial system deposits Measures such as over 10,000 yuan of publicity activities have extended the popularity of ** rural cooperative banks to all levels of society. The third is to promote standardized services to attract and retain customers. Through the formulation of the rules for the implementation of standardized services and the regulation and restriction of window services by the system, the Bank's external service work has reached a new level. The fourth is to promote labor competition, and the funding organization is constantly unremitting. Organizing the labor competition through four quarters of funds has better motivated the enthusiasm of the employees to organize funds, and promoted the rapid growth of various deposits and the coordinated development of the business. Through the above measures, by the end of the year, the balance of various deposits reached 100 million yuan, and the increase amounted to 100 million yuan, setting a new record. The substantial increase in deposits has not only strengthened the financial strength of the Bank, but also provided sufficient financial protection for the services of “agriculture, rural areas and farmers” and small and medium-sized enterprises.

Increase the effective delivery of credit. At the beginning of the year, the head office of the head office clearly defined the credit policy, requiring all branches to adhere to the business direction of “three rural” services in the credit supply. Especially after the establishment of rural cooperative banks, the guiding ideology for the service of “agriculture, rural areas and farmers” can only be Enhance, not weaken and deviate. Credit delivery must first ensure farmers, agricultural loans and small business loans, and it is necessary to solve the problem of farmers and small business loans as the starting point and the end result of all work. To this end, our bank first increased the loans of farmers through measures such as supporting agriculture surveys and creating credit villages. At the beginning of the year, through the survey of supporting agriculture, 7582 households with valid demand in line with the loan conditions were determined, with a capital requirement of 537.88 million yuan and a total credit of 50.164 million yuan. At the same time, a total of credit villages were assessed throughout the year, and licensing was carried out, which played a positive role in improving the local credit environment. By the end of the year, the bank's household loan balance reached 10,000 yuan, a net increase of 10,000 yuan compared with the beginning of the year, and the number of households with rural households reached households, which was higher than that at the beginning of the year. The second is to increase the size of corporate loans. It is required to identify and support customers through investigation and appraisal, and actively participate in the growth of customers in line with industrial policies, and promote mortgage loans first. In 2019, I made a small and medium-sized enterprise loan of 10,000 yuan, with a balance of 10,000 yuan. While providing credit support, we will actively expand financing channels for SMEs. At present, the company has opened discounts, issued bank acceptance bills, and recommended the issuance of commercial acceptance bills. In the whole year, a total of 10,000 yuan for discounting business for small and medium-sized enterprises; a bank acceptance bill of exchange, amounting to 10,000 yuan; a commercial acceptance bill of 1 is recommended, with a credit of 8 million yuan.

Effectively strengthen credit risk management. Since the beginning of this year, our team has adopted a series of measures to rectify the credit order and reduce credit risk by standardizing credit behavior and improving the quality of credit management. The first is to regulate the management of natural person loans. It is clear that the natural person loan is based on the principle of community service. It is not allowed to issue cross-regional loans. All the cross-community loans that have been issued will be cleared and will not be renewed. Otherwise, the responsible person will be suspended or suspended. The second is the cross-loan of the merged enterprise, which is managed by the associated enterprise loan. For a total of 71 households with a balance of 534 million yuan, the cross-loans involving 9 sub-branches were fully merged. On the basis of the merger, the loans of the affiliated enterprises under the jurisdiction were cleaned up, and 64 affiliated enterprises were cleared out, with a loan balance of 440.44 million yuan. Thirdly, it focused on cleaning up the illegal and subordinated loans such as borrowers, impersonation, and multi-prime loans. At the same time, it issued various types of files that regulate credit behavior, so that the credit order of the whole bank was effectively regulated, and the quality of credit management was significantly improved. Fourth, efforts to reduce non-performing loans through measures such as accountability, efforts to increase revenues, and write-offs of bad debts. In the whole year, a total of 10,000 yuan of non-performing loans were recovered, 10,000 yuan of domestic loans were recovered, 10,000 yuan of non-performing loans were recovered, and 10,000 yuan of debts were recovered. By the end of the year, the balance of non-performing loans was 10,000 yuan, and the non-performing rate was %.

Since the beginning of this year, the Rural Cooperative Bank has fully implemented the spirit of the provincial and municipal rural credit cooperatives working conferences, and has been working closely with the provincial associations in the spirit of the correct leadership of the higher-level organizations and the banking supervisory departments and the strong support of the municipal party committee and the municipal government. The assessment targets issued at the beginning of the year, with the focus on accelerating reform, focusing on business development, focusing on supporting “agriculture, rural areas and farmers”, and conscientiously implementing various policies and measures, so that the Bank’s management and service quality have been Significant improvement, steady progress in various businesses and reforms, and now the work of our team for the past year is as follows.

I. Completion of various assessment indicators

Annual new deposit indicator. By the end of 2019, the Bank's new deposits reached 950 million yuan, completing 118% of the annual new deposit plan requirements of the ** office.

Annual new agricultural loan new quota indicator. By the end of 2019, the Bank's small agricultural loans increased by 400 million yuan to complete the assessment target.

Annual intermediate business income indicator. By the end of the year, the income from intermediary business reached 2 million yuan, and the indicators were completed.

The indicator of the decline in the amount or rate of non-performing loans. At the end of the year, the total amount of non-performing loans

190 million yuan, down 18.34 million yuan from the beginning of the year.

Pre-tax profit indicator. By the end of the year, the Bank achieved a pre-tax profit of 65 million yuan and completed the assessment target.

In the five major systems of industry, agriculture, China, construction and rural credit, the proportion of new market share in the year was higher than that at the beginning of the year.

Second, focus on the target, pay close attention to business, business operations develop rapidly

A comprehensive review of the completion of the 2019 assessment indicators, all assessment indicators have met the assessment objectives, the Bank's business operations are showing a virtuous cycle of rapid development. Looking back on the past year, our team has led the staff of the whole bank to do the following work in business operations:

Vigorously carry out fund organization work. In 2019, under the leadership of the head office team, the broad-based cadres and employees of the Bank firmly established the overall goal of refining the market, expanding the total amount, optimizing the structure, and paying attention to efficiency, earnestly doing a good job in fund organization, and striving to achieve a new deposit share growth. The breakthrough, the optimization of the deposit structure has a new breakthrough. To this end, we have taken the following measures: First, the task is implemented early, and the plan is scheduled early. The head office timely formulated assessment methods, implemented the assessment mechanism, and clarified the goal of exceeding RMB 5 billion in deposits before the opening of the cooperative bank. It formed a pressure for everyone and everyone had the motivation to fully mobilize the enthusiasm of each employee. The situation between you and the community is chasing me. The second is to increase publicity and enhance the image of cooperative banks. Through the unified planning and unified decoration publicity of the city's urban institutional outlets before the Spring Festival, deposits exceeded 5 billion yuan of large-scale publicity activities, the establishment of the cooperative bank, the opening of the business and other major activities such as newspapers, television stations and other news media and the province's rural cooperative financial system deposits Measures such as over 10,000 yuan of publicity activities have extended the popularity of ** rural cooperative banks to all levels of society. The third is to promote standardized services to attract and retain customers. Through the formulation of the rules for the implementation of standardized services and the regulation and restriction of window services by the system, the Bank's external service work has reached a new level. The fourth is to promote labor competition, and the funding organization is constantly unremitting. Organizing the labor competition through four quarters of funds has better motivated the enthusiasm of the employees to organize funds, and promoted the rapid growth of various deposits and the coordinated development of the business. Through the above measures, by the end of the year, the balance of various deposits reached 100 million yuan, and the increase amounted to 100 million yuan, setting a new record. The substantial increase in deposits has not only strengthened the financial strength of the Bank, but also provided sufficient financial protection for the services of “agriculture, rural areas and farmers” and small and medium-sized enterprises.

Increase the effective delivery of credit. At the beginning of the year, the head office of the head office clearly defined the credit policy, requiring all branches to adhere to the business direction of “three rural” services in the credit supply. Especially after the establishment of rural cooperative banks, the guiding ideology for the service of “agriculture, rural areas and farmers” can only be Enhance, not weaken and deviate. Credit delivery must first ensure farmers, agricultural loans and small business loans, and it is necessary to solve the problem of farmers and small business loans as the starting point and the end result of all work. To this end, our bank first increased the loans of farmers through measures such as supporting agriculture surveys and creating credit villages. At the beginning of the year, through the survey of supporting agriculture, 7582 households with valid demand in line with the loan conditions were determined, with a capital requirement of 537.88 million yuan and a total credit of 50.164 million yuan. At the same time, a total of credit villages were assessed throughout the year, and licensing was carried out, which played a positive role in improving the local credit environment. By the end of the year, the bank's household loan balance reached 10,000 yuan, a net increase of 10,000 yuan compared with the beginning of the year, and the number of households with rural households reached households, which was higher than that at the beginning of the year. The second is to increase the size of corporate loans. It is required to identify and support customers through investigation and appraisal, and actively participate in the growth of customers in line with industrial policies, and promote mortgage loans first. In 2019, I made a small and medium-sized enterprise loan of 10,000 yuan, with a balance of 10,000 yuan. While providing credit support, we will actively expand financing channels for SMEs. At present, the company has opened discounts, issued bank acceptance bills, and recommended the issuance of commercial acceptance bills. In the whole year, a total of 10,000 yuan for discounting business for small and medium-sized enterprises; a bank acceptance bill of exchange, amounting to 10,000 yuan; a commercial acceptance bill of 1 is recommended, with a credit of 8 million yuan.

Effectively strengthen credit risk management. Since the beginning of this year, our team has adopted a series of measures to rectify the credit order and reduce credit risk by standardizing credit behavior and improving the quality of credit management. The first is to regulate the management of natural person loans. It is clear that the natural person loan is based on the principle of community service. It is not allowed to issue cross-regional loans. All the cross-community loans that have been issued will be cleared and will not be renewed. Otherwise, the responsible person will be suspended or suspended. The second is the cross-loan of the merged enterprise, which is managed by the associated enterprise loan. For a total of 71 households with a balance of 534 million yuan, the cross-loans involving 9 sub-branches were fully merged. On the basis of the merger, the loans of the affiliated enterprises under the jurisdiction were cleaned up, and 64 affiliated enterprises were cleared out, with a loan balance of 440.44 million yuan. Thirdly, it focused on cleaning up the illegal and subordinated loans such as borrowers, impersonation, and multi-prime loans. At the same time, it issued various types of files that regulate credit behavior, so that the credit order of the whole bank was effectively regulated, and the quality of credit management was significantly improved. Fourth, efforts to reduce non-performing loans through measures such as accountability, efforts to increase revenues, and write-offs of bad debts. In the whole year, a total of 10,000 yuan of non-performing loans were recovered, 10,000 yuan of domestic loans were recovered, 10,000 yuan of non-performing loans were recovered, and 10,000 yuan of debts were recovered. By the end of the year, the balance of non-performing loans was 10,000 yuan, and the non-performing rate was %.

Strive to improve the overall operating efficiency. First, the innovative assessment method of our team, the implementation of the business target responsibility system, the branch level management and the annual assessment of the members of the sub-branch team, make the income distribution system more reasonable. The second is to strengthen the purchase and construction of fixed assets, implement project management for the purchase and construction of fixed assets, and avoid redundant construction and investment. Through the above measures, the financial situation of the Bank has been significantly improved. By the end of 2019, the total financial income was 10,000 yuan, an increase of 10,000 yuan over the previous year, an increase of 9%. Among them, the interest income was 10,000 yuan, an increase of 10,000 yuan over the previous year, an increase of 10,000 yuan; various financial expenditures of 10,000 yuan, achieving a book profit of 10,000 yuan. In the same year, the write-off of bad debts was 10,000 yuan, and the accumulated provision for bad debts was 10,000 yuan. At the end of the year, the balance of bad debts is 10,000 yuan, the reserve ratio of bad debts is 5%, and the balance of unpaid interest payable at the end of the year is 10,000 yuan. The reserve ratio is %, which is a percentage point higher than the previous year. The amount of unpaid interest payable in the current year is 10,000 yuan. For %, according to the comprehensive profit of the ** office, the comprehensive profit of 10,000 yuan was realized in 2019, an increase of 10,000 yuan over the previous year, an increase of 9%.

Third, seize the opportunity, accelerate reform, and the reform work is progressing smoothly.

In 2019, our team unified our thinking, clarified that all work was based on reform, and seized the opportunity and accelerated reform. On the basis of clearing nuclear assets, increasing capital and expanding shares in XX, the founding meeting of the Rural Cooperative Bank and the First Shareholders' Congress were held on January 29. The successful election of the first board of directors, the board of supervisors and the president's management team of the Rural Cooperative Bank, the corporate governance structure was initially formed. At the same time, the preparatory work for the establishment of the Rural Cooperative Bank was immediately carried out. The application materials for the opening of the business and the opening of the branches were immediately reported. After nearly five months of preparation, the inaugural meeting of the Rural Cooperative Bank was successfully held on June 18. ** The establishment of the Rural Cooperative Bank marked a substantial progress in the reform of the rural credit cooperatives in the city. After the establishment of the cooperative bank, the central bank's bills will be promptly launched according to the redemption leading group. On the one hand, the indicators such as the capital adequacy ratio and the ratio of non-performing loans will be monitored on a monthly basis, and the monitoring of risky asset structure and non-performing loans will be strengthened to ensure that the capital adequacy ratio is More than 8%, the non-performing loans fell by more than 50%; on the other hand, the implementation of the government support policy, the acquisition of two state-owned land, the land transfer fee of 10,000 yuan has been fully refunded. At this point, the conditions for the payment of central bank bills have been basically complete. Thanks to the implementation of various reform measures

The reforms are progressing steadily and progressing smoothly.

Fourth, the conversion mechanism, the innovation system, the internal control system is more perfect

Taking the establishment of the cooperative bank as an opportunity, the leadership team of the Bank proposed a transformation mechanism, improved the corporate governance structure, and established a set of good management and operation mechanisms to give the cooperative banks a new development connotation. The first is to establish a corporate governance structure. In accordance with the corporate governance mechanism of the board of directors, the board of supervisors and the management team, which have their own responsibilities and checks and balances, they formulated the "three sessions" duties and rules of procedure to further enhance the democratic decision-making and supervision of the "three sessions" and ensure the management. The science, democracy and efficiency of decision-making. The second is to implement authorization management. The chairman of the board of directors authorizes the president, and the president authorizes the grassroots line to achieve hierarchical operation and clear responsibilities. Thirdly, in accordance with the principle of “managing people with the system and using the system to bind people”, we will speed up the control of the various levels of the Bank, reorganize the original rules and regulations and improve them. In the second half of the year, the Bank formulated and introduced accounting and finance . Credit system, information technology, security, risk management, authorization and credit, and other aspects of the system, so that the responsibilities of each department are clear, each post has rules to follow, business activities in accordance with the chapter, basically formed a set of scientific sound, operation The internal control management system is standardized, well-managed and suitable for the requirements of our bank.

Fifth, strengthen management, pay close attention to implementation, follow the chapter to gradually become popular

After the establishment of the cooperative bank, combined with the system construction, the team members fully realized the importance of strengthening management and paying close attention to the implementation of the system, and required all departments to strengthen supervision, counseling and inspection to ensure the seriousness of the implementation of the system. The first is to increase the accountability of new non-performing loans. All functional departments are required to increase the accountability and frequency of new non-performing loans. In the whole year, there were 3 accountability, and the amount of accountability loan was 80.44 million yuan, including 74.23 million yuan for corporate loans and 6.21 million yuan for natural persons. Accountability accountants 86 people, accounted for the formation process and results of non-performing loans, carefully assessed the risk of non-performing loans, and proposed to reduce and resolve risk opinions, a total of 17.21 million yuan of non-performing loans. The second is to increase daily inspection and supervision. Improve management quality and management level by strengthening daily counseling and inspections such as accounting, finance , credit, information technology, and security. In the inspection, a total of 18 financial and financial rectification opinions were issued, and 111 rectification opinions were proposed; 5 security rectification opinions were issued, and 11 rectification opinions were proposed. The two responsible persons who violated the security system were instructed to punish the sub-branches according to the regulations; We issued a single credit supervision, rectified the opinions, and implemented a five-person suspension of the post to achieve the effect of personnel. Through counseling, supervision, inspection and rectification, the awareness of the employee's executive system has been enhanced, the business operations have become more standardized, and the credit operations, accounting processing and internal management of each branch have been promoted towards standardization and institutionalization. The third is to effectively carry out special governance activities for cases.

Sixth, take the lead in re-emphasizing, change the style of work, and take a new look

In 2019, under the premise of accelerating reforms and paying close attention to business operations, the leadership team of the Bank put the party style, style and standardization services of the cadre workforce on an important work schedule, and carried out in-depth education to maintain the advanced nature of party members. Activities and standardized service activities provided a strong guarantee for the Bank to successfully complete various business indicators. The first is to strengthen education and improve the quality of party members and cadres. The party committee of our bank earnestly and conscientiously organized the entire line in accordance with the unified arrangements of the Office of the Leading Group for the Advancement of Education, closely combining the characteristics of the industry and the actual conditions of party members, in accordance with the requirements and steps of the implementation plan for advanced educational activities, and with the principle of high starting point and strict requirements. Party members have carried out an educational campaign to maintain the advanced nature of party members. The party committee team took the lead in learning, taking notes, and starting a democratic life meeting. They found gaps in the self-construction of the team, the work style of the party members and the people, and criticized and self-criticized, and made efforts to perfect and correct them. At the same time, the party committee has established a guidance and supervision system for the members of the team to ensure that all stages of advanced education are in place. Through carrying out educational activities to maintain the advanced nature of party members, the party's concept of party members of the whole bank has been enhanced, the theoretical level of party members has been raised, and the service consciousness of cadre employees based on their duties and serving the "three rural" issues has been strengthened. The second is to lead by example and implement the party's work style and clean government. In the daily work, the members of the party committee strictly demand themselves, practice and take the lead, and do not engage in special, so as to lead by example. For example, in the process of employee recruitment, office staff exchanges and job competition, the team members strictly follow the criteria of openness, fairness, and impartiality, so as to achieve equal competition and preferential appointment. The third is to standardize services and improve the service level of the whole bank. In response to the fact that the service level of the whole bank is not high, the team members unified their thoughts, put forward the slogan of “Quality Service Year”, formulated the detailed implementation rules of the service, and strictly examined.

In the past year, under the leadership of the higher-level organizations and the banking supervisory department, the leadership of the Bank has achieved certain results in the work of the Bank. The operating efficiency and internal management have all reached a new level. However, the requirements of the assessment are still far from each other. There are still some shortcomings in the work, such as the slow development of the intermediary business and the rise of non-performing loans, which are far from the requirements of the assessment targets of the office. Therefore, in the work of XX, the leadership team of our bank will overcome difficulties and overcome difficulties and deficiencies, unite and lead the staff of the entire line of cadres, work hard, and push forward all the careers of our bank. Make a new and greater contribution to the development of the rural economy!

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