Summary of the work of the Credit Department of the Rural Credit Cooperatives

In 2019, under the correct leadership of the Provincial Credit Union and Zhengzhou Rural Credit Office, the Credit Management Department of the Suburban Association firmly established the scientific concept of development and the business philosophy of sustainable development, focusing on business objectives. Compliance with laws and regulations, moderate expansion of credit scale, optimization of credit asset structure, improvement of asset quality and management level, promotion of sound and rapid development of credit business, and realization of sound development of scale, quality and efficiency.

I. Completion of business indicators

1. Organize funds. By the end of June 2019, the suburban association had organized funds of 1,442,829,000 yuan, a net increase of 307.30 million yuan from the beginning of the year, and completed 153.55% of the annual plan of 1.9 billion yuan.

2. Loans. The total loan was 10,073.82 million yuan, a net increase of 238.95 million yuan from the beginning of the year, and 103.12% of the completion of the project; of which, the loan was 573.784 million yuan, a net increase of 788.41 million yuan from the beginning of the year, and the discount was 485.98 million yuan, a net increase of 159.345 million yuan from the beginning of the year. The pledge loan was 623.5 million yuan, a net increase of 613.03 million yuan compared with the beginning of the year, and the balance accounted for 5.90% of the total loan.

In the whole year, various loans amounted to 271,423,300 yuan, a net increase of 214,991,000 yuan; the accumulated revenue was 245,528,800 yuan, a year-on-year increase of 20,646,700 yuan; the net investment was 82,493,000 yuan, and 103.12% of the tasks were completed. The deposit-loan ratio was 73.28%. Among them, the “three rural” loans were 325.23 million yuan, a net increase of 918.44 million yuan.

3. The collection and decline of non-performing loans. As of the end of June 2019, the balance of five-category non-performing loans was 35.48 million yuan, down 10.86 million yuan from the beginning of the year. The balance accounted for 3.36%, down 1.4 percentage points from the beginning of the year; the total amount of bad collection tasks was 36.519 million yuan. The city office issued 121.73% of the tasks, of which 25.589 million yuan was collected in the table and 10.62 million yuan was collected outside the table.

4. As of the end of June 2019, the suburban associations realized a total interest income of 247.35 million yuan and a profit of 1.7089 million yuan. Completed 131.45% of the task of assessing profits in the first half of the city.

5. By the end of June, the income from the realization of the intermediary business of the whole jurisdiction was 879.04 million yuan, and the progress of the income of the intermediary business of the association was 117.20%.

Second, work measures and development

Consolidate the foundation and promote business practices.

1. In the first half of 2019, the Credit Management Department, in conjunction with the Personal Business Department and the Corporate Business Department, carefully organized and learned three guidelines and a guideline, and reported the loans to the various ministries in accordance with the spirit of the three measures and one guidance. The materials have been carefully and meticulously regulated, so that the Ministry of Social Affairs can report and follow the rules and standards.

2. At the end of May 2019, the Credit Management Department put forward a series of risk warnings and operational methods based on the “National Ten Articles” and other professional bank mortgage loan business models proposed by the State Council in April. The issuance of mortgage loans is further regulated. At the end of June, the Ministry of Foreign Affairs issued the "Notice on Strengthening the Management of Mortgage Loans", which clearly defined the issues related to mortgage loans, further strengthened the management of mortgage loans and controlled risks.

In March and June, the Credit Management Department issued the "Notice on Strengthening the Management of Staff Loans" in conjunction with the results of the inspection of employee loans in the jurisdiction and the actual conditions of the jurisdiction. The notice embodies the need to do practical things for the employees, solve practical difficulties, and regulate the procedures and conduct risk control. This regulation effectively eliminates violations such as circumventing, escaping, moving, and super-control, and controls potential risks in employee loans. .

Strengthen credit supervision and management to prevent credit risks.

Credit management is the top priority of all business tasks. The quality of credit assets directly affects the survival and development of credit unions. In order to prevent credit risks and consolidate basic management, the credit management department has increased the number of new loans in the first half of this year. The review of supervision strengthens the security of credit assets.

1. In 2019, the Credit Management Department and other relevant departments improved the loan review system and conducted timely, conscientious and meticulous review, approval and reporting on all types of loan information submitted by various societies in strict accordance with the requirements of the regulations. In the loan review and examination and approval, according to the spirit of the higher authorities and the suburban associations, the loans that do not meet the loan requirements shall be re-reviewed or rejected, and the loan risk control threshold shall be forwarded to ensure the safe return of credit funds. .

2. According to the requirements of the municipal office, the credit management department conducted on-site inspections of credit customers with a single investment of more than 30 million yuan and a single household of more than 100 million yuan in the early May of 2019, focusing on the examination of loan procedures and post-loan management files. In terms of operation, fund use and supervision, and promptly supervise and rectify the problems found during the inspection, the frequency of risk warnings has been increased, and the punishment for illegal loans has been increased. The jurisdictions have been in compliance with laws and regulations, and the risk control consciousness has been continuously Been strengthened.

3. In May 2019, the Credit Management Department inspected and standardized the employee loans handled by the various agencies within its jurisdiction, clarified the scope of use and the amount of license for employee loans, and urged that it did not meet the borrowing conditions, long-term use, and non-contractual purposes. The employees who use the loan are returned within a limited time.

4. With the opportunity of other inspections such as authenticity check, the underlying inspection of the loans within the jurisdiction is carried out, mainly for the improvement of the procedures for the pledge loan, the post-loan inspection and tracking, the use of large borrowing funds, and the follow-up of the mortgage loan. The situation has been carefully and carefully examined, and it has been found that the situation is urged to handle the timely rectification of the society and reduce the risk.

Improve the rural credit environment with credit engineering as a carrier.

The market economy is the legal economy and the credit economy. Credit is the cornerstone of the market economy. The quality of the credit environment is one of the important factors that restrict the difficulty and difficulty of loans for both parties. The Suburban Association attaches great importance to the construction of the credit environment. In May, the credit management department carefully organized and carefully deployed, re-evaluated the credit rating of corporate customers in the jurisdiction, and granted reasonable credit on the basis of rating. This rating credit, the suburban association has a total of 8.258 billion yuan for 459 enterprises, including 32 aaa enterprises, 22.33 billion yuan, 73 aa+ enterprises, 2.907 billion yuan, 298 aa enterprises, total The credit was 2.871 billion yuan, and 56 enterprises were a-level enterprises, with a total credit of 301 million yuan. In 2019, we will gradually establish and improve a credit system that conforms to the characteristics of small and medium-sized enterprises, and strive to solve the bottlenecks in the process of credit, management, and credit by both banks and enterprises. Under the credit line and credit validity period, as long as the credit companies meet the conditions, we According to the easiest process of loan review, the enterprise loan will be accepted preferentially, and the approval will be made quickly. The reasonable liquidity demand for enterprises with good repayment ability and good repayment will allow the circulation to be used within the credit line. Suburban Association will increase credit support for credit companies, implement more flexible interest rate concessions, continuously expand credit enterprise groups, and promote local industrial restructuring and sustained economic prosperity.

, credit business continues to innovate

In the first half of this year, we continued to innovate the loan method while doing a good job in the traditional credit business. The trademark use rights mortgage loan and the charge right pledge loan that we started have all achieved remarkable results.

Do a good job in financial statistics

The business department has many counterparts, many statistical work, and many business links. In order to do a good job in financial statistics, it provides accurate, timely and complete operational decision-making information and reference basis for leaders and departments at all levels. The credit management department earnestly carried out the statistical work of each business data. Since the beginning of this year, it has compiled and reported 235 data systems of various types of statistics, reported more than 650 copies of various business reports, and wrote and reported various analysis reports and summarized more than 30. Articles, as well as various temporary special investigation reports or special reports more than 20 times.

Manage the lending center and put the credit to the last level.

1. On April 23, 2019, the Ministry of Credit Management organized the staff of the whole suburbs lending center to hold a meeting of the lending center on the 10th floor of the Associated Press, carefully listening to the opinions and suggestions of the staff of the lending center, and answered a number of questions on the spot. After the meeting, the Credit Management Department summarized the opinions and suggestions put forward by the staff of the lending center and answered them one by one.

2. In 2019, the credit management department made a lot of daily business of the lending center and the cumbersome statements. Through careful analysis, the unnecessary statements were merged or cancelled, effectively reducing the workload of the lending center personnel.

3. In order to actively participate in the “Basic Management Year Activities”, the staff of the lending center changed the past practice of only performing loan formalities review and centralized handling of credit granting, and using their own loan review positions to transform the favorable conditions for all aspects of grassroots lending. Working style, improving work style, becoming a simple loan procedure review, and participating in the day-to-day management of credit, they put forward many constructive opinions for credit management in the way of writing papers and work suggestions, and renewed the credit management of suburban associations. The order has played an important role in learning.

The credit management system still needs to be improved. After years of exploration and practice, our suburban association has established a relatively complete credit management system, which has played a positive role in the healthy development of credit business. However, from the perspective of norms, the existing credit management system cannot fully adapt to the needs of the rapid development of current credit business.

The growth momentum of non-performing loans has not been effectively curbed. As a major problem that restricts the reform and development of China's financial industry, non-performing loans are also very prominent in the suburban associations. The outstanding performance is that the inventory clearance is getting more and more difficult, and the new non-performing loans have gradually appeared, and the unadjusted loans should be gradually exposed. At the same time, due to the rapid expansion of the credit scale of our affiliates this year, large loans have grown more, and the pressure for non-performing loans to rebound is very high. In particular, our affiliated company is in a critical period of restructuring. The "one high" issue has become the top priority of our current work. How to solve "one high" is our primary consideration.

Credit business operations are not standardized. At present, in the daily business of our association, the use of the contract text is incorrect, the basic elements are incomplete, irregular, and the guarantee procedures are not implemented. File management is not standardized, incomplete, and not practical.

Post-loan management lags behind. In the past few years, the rural credit cooperatives lacked a standardized post-loan management system, and the post-loan management work objectives were not clear, the content was not specific, and post-loan management was not in place. As a result, there are many problems such as the super-suitability statute, the super-guarantee period, and the loss of mortgage assets left over from the current non-performing loans. The phenomenon that the new official ignored the old account and the old official left was outstanding.

The quality of credit officers is not high. At present, some credit officers of our affiliates cannot fully adapt to the requirements of continuous updating of credit knowledge, continuous improvement of credit means, and rapid development of credit business, regardless of the level of knowledge, knowledge level, age structure, and ideological status. The problem of low quality has become a "bottleneck" that restricts the rapid development of credit business.

Fourth, work plan for the second half of 2019

In response to the problems in this year's credit work, the Credit Management Department will continue to follow the scientific development concept in the second half of the year, further strengthen credit management, standardize credit operations, improve the loan structure, and achieve a virtuous circle of credit assets.

1. Intensify the three investigations of loans, and require all agencies to ban loans to high-risk enterprises and individuals. At the same time, they will change the ideological concepts of replaying and lightening in the past, increase post-loan inspections, and timely discover the expansion of loan risks and eliminate new defects. The loan occurred. The credit management department will cooperate with other departments to increase penalties and compensation for responsible personnel to ensure the safety of new loans.

2. Strengthen management, strengthen guidance, and further improve the performance of the credit management department. The first is to strengthen management. The focus is on system implementation management and management of employees, and strengthening inspection and supervision of system implementation. The second is to strengthen guidance. The focus is on guiding loan placement and guiding risk management. In combination with the actual situation, improve the current various rules and regulations and operational procedures, and determine the support industry and delivery priorities. In-depth study of risk points in various business products to effectively prevent risks. The third is to strengthen services. The focus is on establishing a dual service concept of service grassroots and service leadership. The service grassroots should establish the guiding ideology of "all for the sake of business and everything for the grassroots." Service leaders must grasp the analysis and monitoring of important data, key issues, key links and key areas, and propose solutions in a targeted manner to provide reference for leadership decision-making.

3. Strengthen credit business training. First, the credit management department will engage other departments to engage in legal, accounting, auditing and other professionals to conduct at least one comprehensive credit business training at an appropriate time, so that credit officers can continuously enrich their business knowledge and improve credit personnel analysis in actual work. Problems and the ability to solve problems. . The second is to implement the monthly meeting system for credit officers. Strengthen the training of credit officers' political awareness and professional quality, continuously strengthen compliance management and due diligence, analyze typical cases, educate credit personnel to constantly use knowledge to enrich themselves, learn the advanced management of brothers, find out the gaps, and correct the shortcomings. .