Credit union credit work summary

2019 is a key year for continuing to deepen the reform and promotion of rural credit cooperatives. All the staff of the Credit Management Department work together to guide the "three rural issues" with the important thinking of "xxxx" and the spirit of the party's "seventeenth". The purpose is to continuously deepen system reform, strengthen credit management, establish credit marketing concepts, establish, improve and implement each under the correct leadership of the leadership of the association and the banking supervision department, with the cooperation of various departments, offices and grassroots organizations. The credit management system, vigorously clearing and revitalizing non-performing loans, effectively promoted the healthy and steady development of credit work and various businesses. In order to promote the future of credit work in the direction of standardization, institutionalization and effectiveness, the credit work of 2019 is summarized as follows:

I. Completion of business indicators

1. Loan placement indicators. As of the end of December 2019, the balance of various loans was 215.267 million yuan, an increase of 528.09 million yuan over the end of the previous year. Completed 115.84% of the year-round tasks.

2. The loan recovery rate is 77%. The loan recovery rate from the mission loan is 18% difference of 18%.

3. The pressure drop of non-performing loans: As of the end of December 2019, the balance of non-performing loans was 108 million yuan, down 1.55 million yuan from the end of the previous year. Complete 100% of the year's mission.

4. Interest income: As of the end of December 2019, the balance of interest income was 164.33 million yuan, and 101.82% of the total number of tasks for the year was 101.39 million yuan.

Second, the basic situation of the loan

As of the end of December 2019, the balance of various loans was 215.267 million yuan, an increase of 528.09 million yuan over the end of the previous year. The deposit-loan ratio is 60%. Among them, the balance of rural household loans was 63.84 million yuan, down 3.42 million yuan from the beginning of the year; the loan of agricultural economic organization was 166.16 million yuan, up 10.89 million yuan over the beginning of the year; the balance of rural industrial and commercial loans was 84.11 million yuan, up 31.18 million yuan over the beginning of the year; the balance of other loans was 183956. Ten thousand yuan, an increase of 391.44 million yuan over the beginning of the year.

The balance of the four-category non-performing loans was 108 million yuan, down 1.55 million yuan from the end of the previous year. Non-performing loans accounted for 5.02% of the total loan balance, down 1.73 percentage points from the beginning of the year. Among them: overdue loans of 1.77 million yuan, an increase of 4.3 million yuan over the beginning of the year; the balance of sluggish loans was 94.84 million yuan, down 8.67 million yuan from the beginning of the year, the balance of bad debt loans was 11.39 million yuan, an increase of 11.39 million yuan over the beginning of the year.

The balance of five-category non-performing loans was 159.64 million yuan, accounting for 7.42% of the loan ratio. It was reduced by 67.06 million yuan from the end of the previous year. Among them, the balance of subprime loans was 65.53 million yuan, the balance of suspicious loans was 42.04 million yuan, and the balance of loss loans was 52.07 million yuan.

3. Loan accumulation and accumulation

The loans were 138,781 million yuan, including: 33.9 million yuan for farmer loans, 129.5 million yuan for agricultural economic organizations, 41.47 million yuan for rural industrial and commercial loans, and 118.294 million yuan for other loans. The loans received were 85.972 million yuan, of which: the rural household loans were 36.97 million yuan, the agricultural economic organization loans were 20.6 million yuan, the rural industrial and commercial loans were 13.6 million yuan, and other loans were 788.55 million yuan.

Third, the main achievements in the work

Seriously implementing policies, standardizing internal management, and effectively preventing risks have not only improved the level of credit management, but also laid a solid foundation for ensuring the successful completion of annual operational responsibility assessment indicators. In 2019, the credit scale of Liuzhou City Association was 456 million yuan. At the end of December, our association added 528.09 million yuan, completing 115.81% of the annual task.

1. Our affiliated company takes SMEs as the main target market, focusing on increasing the proportion of SME loans, improving loan efficiency, and helping SMEs solve the problem of difficult guarantees and difficult mortgages. As of the end of December 2019, the urban association's SME loans amounted to 116.985 million yuan, accounting for 54.34% of the total loans under the jurisdiction, bank acceptance bills 17.06 million yuan; the number of credit granting enterprises for small and medium-sized enterprises was 326, an increase of 112 households compared with the end of XX . The focus of support is on the leading agricultural enterprises that contribute to the development of the city's agricultural development and the wide range of businesses, as well as the upstream and downstream supporting enterprises that manufacture the three pillar industries of the city.

2. Innovate business varieties and improve financial service capabilities. In view of the industry characteristics of SMEs, our affiliates focus on enhancing the targeting and adaptability of credit work, vigorously carry out product innovation, build a financial characteristic brand for SMEs, and actively carry out such as warehousing of warehouse receipts, guarantee loans by guarantee institutions, and certification of automobile engines. Pledge, movable property pledge, charge pledge and other new business varieties. At present, it has handled a total of 1.68 million yuan of bill discounting business, and handled 11.4 million yuan of bank acceptance bills business of three enterprises including XX City Jiuyuan Hydraulic Turbine, and handled 4 million yuan of accounts receivable pledge business of xx auto parts factory. Xx auto parts factory belongs to the key supporting enterprise of xx enterprise. The enterprise management standard has an annual output value of 52.529 million yuan. As xx enterprise business continues to expand, xx auto parts factory as a supporting enterprise needs to increase liquidity to expand production capacity. According to the investigation, the customer’s balance of accounts receivable to Liugong reached more than 10 million yuan per month. After the tripartite agreement, the company first used the accounts receivable method to grant xx auto parts factory a loan of 4 million yuan. The urgent need of the enterprise.

2. Simplify the approval process for SME loans and speed up the examination and approval of SME loans. Our company set up the company's business department in March 2019 to realize centralized management of large loans. The company directly under the management of the company, after the investigation, the direct credit department approved, and finally sent to the review committee of the association to create a new efficient approval mechanism. The pre-investigation of marketing and credit business for SME customers is carried out simultaneously; the time limit for approval is: minimum 3 days, maximum 15 days; small loans are concentrated and processed in batches. After two quarters of continuous efforts, the quality of the loan business of the company's business department has been continuously improved, and the processing of large-value loans has become more standardized and reasonable. At present, the balance of newly issued loans is 102,522, a total of 184.

3. Strengthen business cooperation with SME SME guarantee companies to solve the problem of SME loan guarantees. Since the beginning of this year, our association has established a good partnership with the xx city SME guarantee company. At present, 20 guarantee loans from SME guarantee companies have been issued, amounting to 127.95 million yuan.

4. Standardize the internal control of credit and improve related credit business processes. On April 21, 2019, and on July 24, 2019, the Ministry of Credit organized the backbone of the credit business of the jurisdiction to conduct the first and second quarter credit reviews of all newly issued loans in the jurisdiction. In order to standardize the operation process of each loan management position within the jurisdiction, the Ministry of Credit issued the “Notice on Regulating the Operation Process of Various Credit Businesses” [2011] No.266 for the business operation process of each loan type, and standardized the personal housing mortgage. Loan, real estate development projects, pledge loans, mortgage loans, guaranteed loans, and small-credit loan operations of farmers.

Strengthen the construction of credit internal control and standardize the operation of credit business

1. Formulate a credit fund management system, strengthen the monitoring of the use of loan funds, implement a level-by-level review, prevent the transfer of credit funds from misappropriation, increase the penalties for illegal use of credit funds, and implement a reporting system for borrowers to manage their funds. Let the loan officer keep abreast of the dynamics of the borrower's operating funds.

2. Formulate various credit business operation procedures, clarify the job responsibilities of each position, and standardize the operation procedures of various types of loans.

3. Formulate the mortgage registration management method to institutionalize the mortgage registration behavior, implement a special person responsible for mortgage registration, and effectively prevent mortgage registration operation risks and moral hazard risks.

4. Formulate the post-loan management implementation rules, standardize the post-loan management operation process, clarify the key points and contents of the post-loan inspection, and strengthen the post-loan management responsibilities.

5. Formulated a credit file management system, standardized the management of credit files and the collection of various types of loan materials, and unified the collection and collation of loan files of the entire jurisdiction.

6. Establish a loan officer's off-the-job handover system, standardize the file transfer program, and clearly define the duties of the loan officer.

7. Establish a morning training system, establish an information exchange and learning platform, and conduct morning training three times a week to improve the operational skills of the loan officers through learning systems, archives, and experience exchanges.

Fourth, the current problems in the credit business of our affiliates

Thanks to the strong support from the leaders of the association and the close cooperation of various departments, various credit work has achieved certain results. In combination with the actual situation of credit development, there are still deficiencies and problems in the following aspects:

1. While the loan is growing steadily, the work style of “depositing loans, lending by loans, and depositing and lending” has not been implemented. There is still the idea of ​​replaying light management, the one-sided pursuit of growth, neglecting quality. Improvement.

2. Large loans have grown too fast, and post-loan supervision and management is not in place. Due to the idea of ​​replaying the light pipe, the use of credit funds after the loan issuance, the supervision of the borrower's operation, and the credit risk analysis are negligent or not in place. Therefore, the supervision of large loans is the focus of current and future credit work. .

3. There is no establishment of affiliated enterprise loan management and market exit system. Because our work in this area is not in place, some affiliated companies transfer funds to each other to hide the associated risks. Some of the more risky customers should have withdrawn from the credit market. Because there is no management model for the market exit system, loans are still given, and the quality of credit assets has not been significantly improved.

4. The non-performing loans of grassroots organizations still exist while there is a phenomenon of clean-up, and the quality of assets needs to be improved. This year, we have done a lot of work around preventing and defusing credit risks. We have made great efforts. The new overdue loans of individual societies are on the rise. Therefore, the collection of non-performing loans is still quite arduous.

V. 2019 loan work plan

Loan placement plan

1. In 2019, the Urban Association’s new project loan was 500 million yuan, with a growth rate of 24%, including an increase of 250 million yuan in the first quarter, an increase of 380 million yuan in the second quarter, and an increase of 480 million yuan in the third quarter. The quarter increased by 500 million yuan. It is estimated that the annual loan-to-deposit ratio will be 65% at the end of 2019.

2. The main investment directions of the loan are: 1. The agricultural loan is 80 million yuan, including farmer loans and agriculture-related loans, and supports local fish farming, pig raising, and planting. 2. SME loans of XX million yuan. It mainly invests in upstream and downstream supporting enterprises in the pillar industries of the city, such as automobiles and machinery manufacturing. 3. The individual industrial and commercial households have a loan of 50 million yuan to support self-employed households in the wholesale markets of local fruits and agricultural materials. 4. Personal consumption loan of 80 million yuan, with emphasis on housing consumption and automobile consumption. 5. Urban construction loans amounted to 90 million yuan, with a focus on supporting government-led public welfare urban construction projects.

Continue to increase the marketing of bank acceptance bills, strictly implement the archives requirements of the “Measures for the Administration of Bank Acceptance and Bills Business of the Rural Credit Cooperatives of the xx City”, based on the bank acceptance bills issued by the XX City. Strive to get the approval of the entire xx financial and business circles, and expand the bank acceptance bill business.

Continue to increase the daily management of loans. The first is to standardize decision-making behavior, implement strict management, strict supervision and strict rewards and punishments. Strictly implement the loan responsibility, and deal with the risks of the formation of loans in violation of the regulations, and deal with them seriously in accordance with the relevant accountability methods. The second is to strengthen the construction of credit teams, increase the skills learning and ideological education of credit officers, and improve the overall quality of credit officers. The third is to do a good job in daily supervision, prevent moral hazard, and improve the consciousness of credit officers' services. The fourth is to strictly control large-scale over-proportional loans. The loans to single-family and top-tenmost households were implemented in accordance with the principle of “optimizing stocks, gradual cyclicalization, gradual compression, and strict control”, while further expanding the microfinance and diversifying risks. The fifth is to conscientiously implement the credit business access system and improve the efficiency of “taking loans, depositing loans, depositing loans and depositing loans”. The sixth is to establish a credit business exit system. For customers who do not meet the credit conditions, operating efficiency and credit difference, strictly withdraw from the credit cooperative credit market, optimize the stock loan, ensure the quality of the loan, and establish a business philosophy of winning by quality.

We will continue to adhere to the principle of “agriculture-oriented, serving agriculture”, correct our business ideas, and continuously improve credit-supporting agricultural services. We must always adhere to the “three rural” and small and medium-sized enterprises in terms of credit positioning.

Strengthen learning and training, improve the overall quality of the workforce

1. Strengthen business learning, and do a good job of morning training every week, monthly credit analysis meeting, and quarterly loan officer training classes. The content of the study is mainly the rules and regulations, laws and regulations of the departments of the People's Bank of China, the Banking Supervision Department, and the basic business knowledge that should be filed by the higher authorities. 2. Strengthen professional ethics education, provide warning education for credit officers under the jurisdiction, analyze and discuss some violations, use video to warn the negative materials, and visit the warning education base. The Associated Press plans to conduct an event every quarter. Conduct credit compliance and legal awareness education for credit officers. Enable credit managers to increase compliance awareness and block the generation of illegal loans at the source. Continuously improve the quality of credit assets of our affiliates.