Summary of personal work of credit unions in 2019

In 2019, for the xx credit union, it was a year of hard work, a year of pioneering and innovation, and a year of accelerated development. With the joint efforts of all employees, xx Credit Union adhered to the work ideas formulated at the beginning of the year, overcoming the difficulties brought about by the financial crisis, advancing against the market, uniting and courageously exploring. Under the premise of standardizing management and preventing risks, we will take the development as the main line, take profit as the goal, and take the scientific development concept as the guidance, thoroughly implement the various policies and measures of the central government's regulation and control, and firmly grasp the "guarantee growth and promotion". The historical opportunity of “development”, actively expanding the market, innovating products, and cultivating customers, has achieved comprehensive and rapid growth of various businesses. The achievement of these achievements was mainly due to the correct leadership and strong support of the leaders of the County Association, benefiting from a good mechanism and working atmosphere, benefiting from the help of all departments and the hard work of all employees of xx Credit Union. Let's report on the work in the past year:

I. Main achievements achieved in 2019

Various deposits grew rapidly. As of December 31, the balance of various deposits of xx Credit Union was 163,349,500 yuan, an increase of 38.125 million yuan over the beginning of the year. The annual growth rate is 30.41%; it completed 122.20% of the initial plan of 31.2 million yuan, and completed 146.64% of the 26 million yuan plan of the county association.

The loan scale has expanded steadily. As of December 31, the balance of various loans reached 221,181,100 yuan, a net increase of 69,749,500 yuan from the beginning of the year, completing 243% of the company's initial plan of 28.8 million yuan, and completing the county association's 288,000% plan of 28 million yuan. A total of 180.62 million yuan of loans were put into operation throughout the year, and the loan structure was effectively adjusted. At the same time, it strongly supported the construction of a new socialist countryside and the development of the local economy.

The effect of collecting bad assets is obvious. As of December 31, the book balance of non-performing loans classified according to the five levels was 15.75 million yuan, down by 2.047 million yuan from the beginning of the year, a decrease of 11.5%. The completion of the project was 170.57% of the initial plan of 1.2 million yuan, and the county association was given a downgrade. 204.74% of the painting was 1 million yuan, accounting for 11.9% from 11.9%; the book balance of the four-level classification was 4.095 million yuan, down 205,000 yuan from the beginning of the year, a decrease of 4.8%, and the proportion dropped from 2.8% to 1.9%. The replacement loan was 200,000 yuan, and the total amount of non-performing loans of RMB 40.5 million was recovered in the whole year. 96.43% of the plan was reduced by 420,000 yuan at the beginning of the year, and 101.25% of the plan of the county association was reduced by 400,000 yuan. The loan assets were 1.02 million yuan.

Financial benefits have grown significantly. By December 31, xx Credit Union realized a total income of 18.76 million yuan, an increase of 4,508,200 yuan over the same period, an increase of 31.55%. Among them, the loan interest income was 18.485 million yuan, an increase of 41.33 million yuan over the same period, an increase of 30.43%; completed 110.04% of the initial plan of the agency of 16.8 million yuan, and completed 114.11% of the 16.2 million plan of the county association. The income from intermediary business was 233,200 yuan, an increase of 197,200 yuan over the same period, with a growth rate of 547.78%; the book profit was 14.9095 million yuan, an increase of 6.971 million yuan over the previous year, an increase of 87.25%, and 117.28% of the county association's plan of 12.5 million yuan was completed. The per capita profit was 427,000 yuan.

Case control and prevention have been significantly strengthened. This year, our company continued to strengthen the work of building a clean and honest government, continue to strengthen the comprehensive prevention of case prevention, strictly standardize management, strengthen system implementation, and seriously carry out investigations on contradictions and disputes, and achieved certain results. There were no safety responsibility accidents throughout the year, no economic cases occurred, and safe and stable operation was achieved.

Pay attention to the creation of spiritual civilization. Our company earnestly carried out the comprehensive management of urban and rural environment, carried out the work of democratic appraisal and style, and continued to maintain the county's best civilized units and municipal-level patriotic health advanced units, and created five civilized windows, two youth civilizations, and improved. The social image of the unit.

Second, dedication and love, continuous learning, improve political thinking and theoretical level.

As the director of xx Credit Union, I am dedicated to the post, earnestly perform my duties, unite my comrades, work hard, and love my own work, and earnestly complete the various tasks assigned by the County Association. In-depth study of the scientific concept of development, understanding the essence of the scientific concept of development, and flexible use of work; earnestly study and master the country's policies, policies, laws, regulations and the rules and regulations of the association, and constantly enhance their sense of system and prevention Constantly improve their political and ideological quality and theoretical quality, and combine their own work, theory and practice, continuously improve their management and management capabilities, and innovate management concepts and methods to meet the needs of the continuous development of rural credit cooperatives.

Third, based on their own duties, continuous innovation, and fully complete all tasks.

The first is to pay attention to deposit organization work. Since the beginning of this year, we have taken the fund organization work as the basic work, and adopted effective measures to ensure the steady growth of deposits in accordance with the overall thinking of the fundraising work of “early planning, early mobilization, and early income”. As early as the beginning of the year, our company held a meeting of responsible persons of various outlets. Based on the characteristics of the city, we formulated a practical business assessment method based on the seasons, with clear rewards and punishments, from the director of the credit union to the frontline staff, to everyone. There are tasks, monthly and monthly work have assessments, and strict rewards and punishments. Secondly, our company changed its work style, improved work efficiency, improved service attitude, improved service quality, and continuously improved the service level of our company's internal service, which was well received by the majority of depositors. Once again, it is an organization that pays close attention to low-cost funds, and actively strives for some units with good benefits and enterprises with large capital expenditures and expenditures to open deposit accounts in our society, and vigorously absorb low-cost funds. Households, the growth rate is 130%.

Second, pay close attention to loan marketing, innovate credit varieties, and strengthen credit-based work.

Since 2019, our company has analyzed the financial crisis situation in a timely manner, conscientiously implemented the current monetary policy, strictly regulated, standardized management, and effectively prevented risks. It not only improved the credit management level, but also laid a solid foundation for ensuring the successful completion of the annual business objectives. The basics. First of all, in the loan placement, our company is paying attention to the loan risk management. The Bank further increased credit risk management, strictly implemented the “three investigations” system, strictly implemented the credit risk prevention and control management system, and strictly enforced the prohibition of the “two highs, one capital and one surplus” and other excess capacity industries. And earnestly done a good job of the credit situation "review" and strengthen personal loan management to prevent self-investigation of credit funds flowing into the stock market. Through self-examination, all loans of our company are in line with the credit policy and relevant national policies, and no loans are issued in violation of regulations. Happening. Secondly, according to the spirit of the Central Economic Work Conference, actively carry out investigations and studies, exchange information with enterprises, strengthen understanding and cooperation, jointly negotiate ways to solve problems, increase support for small and medium-sized enterprises, actively resist financial crisis, and build a new type of relationship between banks and enterprises. . Further improve the understanding of credit marketing, constantly analyze customer needs, and maximize market share. On the one hand, continue to do a good job of “small-scale agricultural loans”, increase the intensity of supporting agricultural loans, help farmers increase production and income, and make greater contributions to the construction of a new socialist countryside; on the other hand, increase the private economy and individual residents. Marketing efforts, select individual businesses and urban residents with good credit and strong repayment ability as the main target of credit marketing of our company. Once again, we are innovating credit varieties and tapping new growth points. In order to thoroughly implement the policy of "expanding domestic demand, adjusting structure, and promoting growth", we will conscientiously implement the spirit of the Third and Fourth Plenary Sessions of the Seventeenth Central Committee and fully implement the scientific development concept. Our company aimed at the increasingly strong automobile consumer market. Through research, study and inspection, it launched the car mortgage loan business on June 8, 2019, becoming the first financial institution in the county to start a car mortgage loan business. As of December 31, the whole society handled a total of 152 car mortgage loans, a total of 1998 million loans, 151 existing loans, a loan balance of 17.5 million yuan, and realized interest income of 726,800 yuan. The fourth is to do the construction of credit grants and strengthen the credit base. This year, our agency will set up files, ratings, and credits as the entry point for loan marketing. First, the farmer's situation was investigated on the spot, and the original farmer's economic file was revised according to the county's unified rating and credit standard size. The whole society has filed files for 17,913 farmers in its jurisdiction. On this basis, 13,444 households were granted credits. Second, on the basis of last year's filing of credits, the company continued to serve corporate clients, self-employed households and civil servants in the jurisdiction. , personnel of public institutions, etc., to pull the net file. Our agency has carried out all the files for 4,763 individual industrial and commercial households in the jurisdiction. By doing a solid foundation work, it laid a solid foundation for the credit system to go online.

The first half of the program and budget management work summary bank annual work summary audit work summary bank counter window service work summary bank first half of the fund plan management work summary financial work summary '> school financial work summary financial specifications self-examination self-correction work summary '> Financial Standards Self-examination and Self-correction Work Summary Rural Credit Cooperatives Credit Department Work Summary [Return Financial Work Summary Column List]

The third is to pay close attention to the collection and revitalization of non-performing loans. Our company has continuously increased the vitality of non-performing loans, cleared the focus of collection, and actively adopted economic, administrative, legal and other means, and took measures to eliminate and revitalize, and received significant results. In the whole year, a total of 208 non-performing loans were collected, amounting to RMB 204,700, and 14 cases were filed in the whole year. In the whole year, a total of 40 applications were executed, and the whole society cleared a total of 113,000 yuan. At a price of 1,301,700 yuan, it successfully processed a mortgaged asset located in Yanggang Street, Xingzhen, and realized a value-added of 281,700 yuan. It has not only revitalized credit funds, but also explored a new way to deal with debt-to-debt assets.

The fourth is to thoroughly study and implement the scientific development concept. First of all, according to the requirements of the superior file, xx Credit Union insists on combining its own reality, insisting on deepening theoretical study, insisting on taking points, insisting on the participation of cadres and people, adhering to high standards and strict requirements, insisting on checking and implementing, highlighting practical characteristics, and clarifying science. The development of ideas, solidly doing all the work in the inspection and analysis stage, achieved remarkable results. Through in-depth and continuous study, we have further enhanced our own sense of competition and competitiveness, and established the idea that we will not relax our development and accelerate development without wavering. Secondly, it is people-oriented, rallying popularity and stimulating employees' enthusiasm for work. With the development of various businesses of our company, the business volume has grown rapidly, the working hours are long, the number of personnel is small, and the high-intensity work makes the staff mentally tense and very hard. The banking industry is also a high-risk industry. If the employees' mental state is not adjusted in time and the correct guidance is carried out, normal work will be affected and even serious consequences will result. In combination with the actual situation of the whole society, I rationalize the division of labor and optimize the combination. On the other hand, we strengthen the ideological education of employees through talks and home visits, instill crisis awareness, responsibility awareness and development awareness, so that every employee can understand and understand me. The development goals and market positioning of the society fully mobilize the enthusiasm of employees. At present, our business has developed rapidly, with strong popularity and good development momentum. This shows that we have found a way to work. Once again, it is to strengthen the learning and re-education of employees in various ways, improve the internal quality of employees, and greatly improve the business ability and work efficiency of most employees, laying a solid foundation for the sustainable development of credit cooperatives. Throughout the year, the company learned 106 people from the sc6000 system, learned theoretical knowledge such as credit cards and anti-money laundering, and operated 123 people in business operations, and learned 52 credit systems.

The fifth is strict and standardized management to ensure sustainable development. First of all, according to the regulations on financial expenses and expenses, strict review of expenses, reasonable arrangements, balanced use, prioritization, and strive to spend the least money to do the best, spend a penny can produce benefits; On the interest income, at the beginning of the year, the task was down to the outlets, the heads, and the targets were clearly defined, so that the interest income should be collected and collected. By further standardizing the financial revenue and expenditure behavior, the operating efficiency of the company was greatly improved. Second is to continue to strengthen the work of building a clean and honest government. Under the correct leadership of the Party Committee of the County Association, the Party branch of our society earnestly studied the spirit of the Third and Fourth Plenary Sessions of the Seventeenth Central Committee, conscientiously implemented the relevant regulations of the provincial, municipal, and county associations, and conscientiously led the whole society to learn the scientific development concept. In the work of the project played a pioneering role. According to the requirements of the County Commission for Discipline Inspection, the self-examination and self-correction of “six kinds of violations, business-run enterprises, commercial bribery, etc. were carried out in an all-round way, which ensured the integrity and integrity of the leading cadres of the whole society and realized the quality, image and style of the staff of the whole society. Continuous improvement. At the same time, we have earnestly carried out the evaluation activities of the style and political style, and through internal and external evaluations, the party style, political style, and style of the whole society have been continuously improved. Once again, we will continue to carry out in-depth and continuous case prevention work. On the one hand, organize employees to strengthen the study of laws, regulations, financial rules and regulations, accounting standards, credit policies, etc., consciously abide by various rules and regulations, improve their ability to perform their duties; on the other hand, by watching the "prudential, alarm, anti-corruption typical case The educational film greatly enhances the employee's self-consciousness in obeying the law, stimulating the employees' enthusiasm for obeying the law and raising the awareness of self-discipline in the work; on the other hand, continuing to carry out the case prevention "back look" work. First, it carried out a “review” in-depth investigation of the special management of cases with rules and regulations and counter operation risks; secondly, a “back look” self-examination of new loans since November 2019, for 1000 Large-scale loans of more than 10,000 yuan were self-examined on a case-by-case basis. Third, personal loan management was strengthened to prevent credit funds from flowing into the stock market and self-inspection of real estate. Through continuous and in-depth case prevention work, the employees of the whole society have further enhanced their awareness of operational risks and cases, laying a solid foundation for the sustainable development of credit cooperatives.

6. Use various platforms to promote credit unions. The first is to use the intermediary business as a breakthrough, and to promote credit cooperatives in many aspects. This year, our company continued to strengthen various financial subsidies for food subsidies, home appliances to the countryside, and low-income guarantees. By the end of December, the agency had distributed various subsidies for urban and rural residents, such as low-income living expenses, disabled military allowances, and home appliances to the countryside. Over 10,000 yuan, a total of 52,800 pens, involving 19,600 customers. Through a variety of agency business, it has narrowed the distance from the local people and won wide acclaim. While strengthening the agency business, it also accelerated the issuance of the letter card. In the whole year, our company issued a total of 10,971 letter cards, an increase of 7246 compared with last year, and the balance of the letter card was 38.3 million yuan, an increase of 15.63 million yuan compared with last year. By speeding up the issuance of the letter card, the credit union's popularity in the society has been improved. At the same time, our company also increased the installation strength of pos. Through investigation and investigation, two pos machines were successfully installed. The installation of the pos machine not only increases the way to promote credit unions, but also provides a new growth point for the income of the intermediary business. In the whole year, the accumulated intermediary business income was 233,200 yuan, an increase of 197,200 yuan, an increase of 547%. The second is to celebrate the 60th anniversary of the motherland as an opportunity to show the style of the letter. Our company encourages employees to actively participate in the celebration of the 60th anniversary of the motherland, and cultivate the collective sense, honor, cohesiveness and centripetal force of employees. A total of 6 people participated in the celebration of the 60th anniversary of the event, including one person who won the first prize and one person who won the second prize. Through the celebration of the 60th anniversary of the motherland, it not only shows the spirit of the employees, but also comprehensively demonstrates the development results of the credit union. The third is to promote the credit cooperatives with the urban and rural environmental governance as the fulcrum. Our company makes full use of the comprehensive rectification work of urban and rural environment to continuously promote the credit cooperatives. Our society carries out hygienic cleaning on a regular or irregular basis to ensure that the credit cooperatives are clean and comfortable. In the whole year, more than 300 person-times of comprehensive environmental management have been carried out on the contracted lots. Every environmental governance has not forgotten to promote credit cooperatives, so that the comprehensive environmental management and the promotion of credit cooperatives are organically combined. The fourth is to use information research as a means to actively promote the cause of cooperation. This year, our agency has taken information research and publicity coverage as an important task, and played a positive role in improving the social awareness of credit unions. Over the past year, a total of more than 10 articles have been published on information research and publicity, including 1 national publication, 3 provincial letters and joints websites, 4 oa systems, 1 xx letter, and 4 newsletters. The first half of the program and budget management work summary bank annual work summary audit work summary bank counter window service work summary bank first half of the fund plan management work summary financial work summary '> school financial work summary financial specifications self-examination self-correction work summary '> Financial Standards Self-examination and Self-correction Work Summary Rural Credit Cooperatives Credit Department Work Summary [Return Financial Work Summary Column List]

Fourth, the existing work is insufficient and the work ideas for next year

Of course, while summing up the results, I also found that there are still many problems and deficiencies in the work, mainly because the management level needs to be further improved; the omission of work still exists; the issuance of the letter card still needs to be strengthened, and the per capita deposits are occupied. The rate is lower than the county average; the number of people is seriously insufficient, and the mandatory vacation cannot be implemented.

To this end, in 2019, I will conscientiously implement the spirit of the 17th Plenary Session of the Party, take people as the foundation, firmly establish a scientific outlook on development, and insist on development as the top priority. Make every effort to seize deposits, strengthen capital strength; further expand credit channels, strengthen loan marketing; focus on developing intermediary business and new business, actively expand revenue channels; pay close attention to implementation of various systems, strictly control expenditures, reduce operational risks, and comprehensively improve operations Management and profitability levels. Push the various businesses of xx Credit Union to a new level.

The first half of the program and budget management work summary bank annual work summary audit work summary bank counter window service work summary bank first half of the fund plan management work summary financial work summary '> school financial work summary financial specifications self-examination self-correction work summary '> Financial Standards Self-examination and Self-correction Work Summary Rural Credit Cooperatives Credit Department Work Summary [Return Financial Work Summary Column List]