City Credit Union's 2019 Financial Management Work Summary

The Association closely focuses on the relevant spirit of the higher-level banks and the "Measures for the Implementation of Financial Management of Rural Credit Cooperatives". Based on the principle of "capacity control, efficiency first", the Company strengthens cost awareness, actively expands channels for income increase and expenditure, compresses expenses and increases accounting. Accounting level and operating efficiency, the financial management work is summarized as follows:
I. The completion of the indicators issued by the municipal office
1. The balance of various deposits was 223.35 million yuan, a net increase of 223.25 million yuan compared with the beginning of the year, an increase of 11.1%, accounting for 106.31% of the city's annual distribution plan of 210 million yuan.
2. The balance of non-performing loans decreased by 89.74 million yuan compared with the beginning of the year. The proportion of non-performing loans was %, a net decrease of 15% from the beginning of the year, and 69% of the city's annual distribution plan of 130 million yuan.
3. The increase in interest income was 2.33%. The loan interest rate was 1.52%, which was 1.78 percentage points lower than the municipal allocation plan.
4. The comprehensive expense ratio is 28.67%, and the annual plan for the allocation of supermarkets is 0.84 percentage points.
5. Book profit.
Second, financial management work summary
1. Carefully calculate the financial revenue and expenditure plan, reasonably set the business target at the beginning of the year, based on the guiding principle of “benefit first”, based on the previous year’s financial revenue and expenditure, in February, the companies will be accounted for in a timely manner and set up reasonably. Various financial indicators, compiled the “... Rural Credit Cooperatives XX Annual Financial Revenue and Expenditure Compilation Plan”, “... City Rural Credit Cooperatives XX Annual Income Collection, Profit Task Allocation Table” The agencies have defined their business direction and responsibility objectives.
2. Deepen financial management, standardize financial behavior, maximize revenue and reduce expenditures. Based on the experience of dual management of financial expenses in the previous year, combined with the actual situation of this year's reform, deepen the “capacity control, benefit priority, to receive payments, over-approval, super The financial management measures of "stopping the branch, financial disclosure, and democratic financial management" will refine the financial indicators of this year to the month, implement them at various levels, control the assessment month by month, and timely issue the "... The Credit Union’s XX Annual Special Expenses Schedule is the basis for the successful realization of this year’s profit plan.
In order to standardize financial expenditure behavior, the “Measures for Financial Management of Rural Credit Cooperatives in the City” was issued in a timely manner, and the scope, standards, approval and approval rights, procedures, and penalties for violations of financial expenditures were detailed and standardized. The Financial Approval Leading Group has implemented pre-declaration of large-scale expenses, and will study and manage the open bidding. In March, for the first time, 14 fax machines deployed by various agencies were openly bidding, each of which was 382 yuan less than the market price. In May, the company purchased the printers and money counters for the west of the city, Chengguan, etc., and each market price was higher than the market price. Less than 330 yuan, 200 yuan; in June, 35 sets of file cabinets purchased for open bidding, each group is 60 yuan less than the market price; in August, the purchase of 5 computers for bidding, each unit is about 200 yuan less than the market price. The three open auction purchases reduced expenses by 10,526 yuan. At the end of February, 17 vehicles of the loss-making society in the city were sealed and sold, and the management measures for the fuel consumption limit of 100 kilometers and the repair of designated manufacturers were carried out for the vehicles to be retained by the companies. From March to September, the city's banknotes were paid less than the same period of last year. 260,000 yuan.
Reduce agency business and reduce cost. In March, after thorough investigation, 181 credit stations in the city were cancelled. 42 credit stations to be reserved were signed with the directors of each agency, and a risk guarantee of 10,000 yuan per station was paid. In April, the company organized customers in the city. The amount of the manager's association was checked, and the accounts of the association were established on a case-by-case basis and on a person-by-person basis. The supervision and supervision were carried out, the operating costs were reduced, the loan officer's loan and the interest-receiving credit station were eliminated. At the same time, the hidden dangers were also reduced.
Reduce the occupation of non-interest-bearing funds and increase the utilization of funds. For other receivable accounts, the management principles of “first declaration, after-issuance, who handles, who is responsible for clean-up” will continue to be implemented. The joint social sciences department will establish accounts for all credit unions and other receivables, track and supervise, and clean up within a time limit. From September to September, the company cleared and retired all types of temporary loans of 2.07 million yuan and cleaned up business turnover of 410,000 yuan.
3. Strengthen internal control construction and block economic cases.
In order to clarify internal management responsibilities and raise the sense of responsibility of the heads of various agencies, in March, the company signed a “Responsibility Statement for the XX Annual Internal Control Target of the Rural Credit Cooperatives of the City” in time to clarify the responsibility objectives and assessment methods.
In order to do a good job in the management of valuable documents and important blank certificates of credit agencies and business outlets in the city, and to eliminate hidden dangers in operation, in addition to requiring all credit cooperatives and ministries to strictly implement the “Measures for the Management of Valued Documents and Important Blank Voucher for Rural Credit Cooperatives”, It also requires adherence to the monthly cross-extraction system. In April, the company organized the re-accounting and certificate exchange of important blank vouchers for the use and use of various links in the city's rural credit cooperatives in XX, and signed a letter of responsibility with the people and managers to clarify management responsibilities; The important blank vouchers and the management of the use of the valuable documents were thoroughly examined to further eliminate operational risks.
In order to do a good job in XX annual accounting work, real, accurate and complete reflection of the operation status and operating results of rural credit cooperatives, in March, the “Measures for the Quality Assessment of Accounting Work in XX” was issued in a timely manner, that is, each agency is hosted by the accounting People take out 200 yuan each month to participate in the assessment. The accounting quality is based on the percentage system. The specific assessment content is: report quality 35 points, each retention 30 points, accounting information 15 points, report seal 10 points, report soft disk 10 points, monthly accounting work according to the proportion of total score The quality assessment salary is 50 yuan, 30 yuan, 20 yuan for the scores of the top three winners, and the last three are respectively responsible for accounting 50 yuan, 30 yuan, 20 yuan, and the quality of each social work is reported quarterly. Ensure the authenticity and compliance of the accounting in XX, and promote the operation and accounting of credit unions in the city to a higher level.
From May to August, the organizations and departments were organized to carry out the "standardized management of accounting files" activities, and the leading group led by Yao Jinsheng, the director of the Associated Press, was established in time. The activities were divided into four price segments, namely the first phase: May 1 to On May 15th, the society will organize the study and self-examination phase; the second phase will be the reorganization phase for each society from May 16th to June 31st; the third phase will be the evaluation of the association from July 1st to July 31st. The fourth stage: On August 28th, the Jincheng Branch of Chengguan Credit Cooperative, which has a high degree of standardized document management, held a site meeting for the standardized management of archives. The agencies continued to rectify and improve their own deficiencies and greeted the city office for acceptance. The activity is subject to the percentage system assessment. The top three scores above 90 points are awarded 1,000 yuan, 800 yuan, 600 yuan respectively; the last three scores below 80 points are fined 800 yuan, 600 yuan, 400 yuan, and the city's notification Criticize, rectify within a time limit.