Credit Union year-end work summary

Since its establishment, the Zhaizhai Branch has provided financial services to more than 18,000 farmers in Benzhai Township, Zhenning County, as well as government, teachers, public security and other groups. The work in 2019 is summarized as follows:

I. Loan business

In 2019, according to the unified arrangement and deployment of Zhenning Lianhe, the Zhaizhai Branch ensured the completion of various loan indicators. As of December 23, 2019, the company completed a loan of RMB 120 million and a loan of RMB 0.99 million. A total of 572 pens. Among them, short-term and medium-term farmers' loans totaled 2.66 million yuan; farmers' small-credit loans were 5.88 million yuan, mortgage farmers' loans were 600,000 yuan, and farmers' loans reached more than 94% of total loans. In the year of the beginning of 2019, the villages of Benzhai Village, Yanxia Village, Huahua Village and Liuguo Village accounted for a relatively large proportion, and the village of Benzhai Village put in 203 loans, and the amount was collected by Luwanyuan; There are 70 pens in Yanxia Village, and the amount of money is collected in Wuwanyuanyuan; 35 in Huahua Village, Wu Wanwu Wanyuan; Lu Guo 62, 壹佰零万元元. The four village loans amounted to 10,000 yuan, accounting for 72% of the total loan amount of our company in 2019.

In 2019, the number of loans for our company was increased by 5 million on the basis of 1.66 million, which reached a loan amount of 6.66 million. Our company completed 150% of the annual loan rate.

2. Interest income and other income

On the basis of the scale of 0.99 million, our company completed a total of 511,200 yuan of interest income as of December 23, 2019, with a total of 825 pens. On the basis of the total requirements of the Association for the completion of 470,000 interest income, the excess was completed at 41,200 yuan, and the completion rate was 109%. The current interest income is still steadily increasing.

In terms of other intermediary business income, the total income was 9,700 yuan, and the number of cards issued by UnionPay letter cards was 500. The above base is a profitable basic data work for the overall capital increase and income generation of our association.

Third, the deposit business

Deposit is an essential organic blood for the survival and development of banks. Due to the short time of establishment of our company, there is no economic enterprise in Zhenning County, and the deposit business mainly depends on local farmers. I have a large number of publicity slogans posted on the prominent wall in the area under my jurisdiction. For example, the wall has publicity such as 'having money in credit unions and being unsafe at home', close to the farmers, and use the time of daily work in the village to eat. Farmhouse meals, rural muddy roads, small farmyard stools, and friendly exchanges with the people, tell farmers how to deposit, benefits, and push the heart, let the people deposit the money in daily production and life into the credit union. At present, the time deposits of the Benzhai branch reached 1.095 million yuan, and the current deposits reached 7.63 million yuan.

Actively strengthen the public deposit and storage business, and work hard in the government's public deposit business. On May 18, 2019, our company successfully opened the public account of the Benzhai Township Government into our company. At present, the government of Benzhai Township has a current deposit of 2.88 million yuan in public funds, and the daily turnover is smooth.

Fourth, credit engineering creation and promotion

There are 19 administrative villages under the jurisdiction of Benzhai Township, with more than 4,000 households and a population of more than 18,000. It is a typical Kassite landform with few mountains and less land and uneven population distribution. At present, our outlets take the Huahua Village as a breakthrough point. According to the spirit of the credit project, we actively organize the filing, rating and credit. Now 204 households in the Huahua Village have reached 100% of the construction, the household loans have reached 36.75%, and the credits of the credit farmers have reached 97.67¥%, the non-performing loan ratio is below 5%. In November, it was reported to the Rural Business Department of the Associated Press for approval and reached the credit village assessment conditions. The approval data of the Huacun Village Credit Village has been submitted to the relevant departments of the county for approval.

In response to the overall work requirements of the Associated Press, the Society has carried out basic work such as filing, rating and credit granting for 19 administrative villages in the township. Currently, it has been on Huahua, Daying, Tongdong, Liangjiawan, Taibang and Luguocun. In the six villages, the photographic asset survey of software materials and the collation of electronic data were carried out. Under the circumstances that the other branches of the business are carried out in an orderly manner, the Zhaizhai Branch gradually promotes the establishment and rating of various villages such as Hongping Village, striving to be stable and solid.

V. Working hard on the development of 'special'

In response to the impact of the financial crisis, after returning to my hometown, the migrant workers returning from their hometowns have the idea of ​​starting a family-based entrepreneurial studio—turning the technology they see and learn from outside to become home-based projects and developing local economies. . But generally, such returning entrepreneurs are surrounded by only technology and personnel, and the most lacking is venture capital. Our outlets handle all applications flexibly, and deal with them in a timely manner in the first time when receiving the application. In-depth investigation, through evaluation to understand the feasibility, risk coefficient, recovery effect, etc. of the applicant's entrepreneurial project, and finally give the specific amount and age of the issue. . At present, among the entrepreneurial projects that our outlets have put together, the industry involves garment processing, deep processing of wood and bamboo, special breeding of fish, support for the development of the special cattle industry of Zhenning County Animal Husbandry and Grassland Center in the villages of Liuguo Village, as well as specialty wine wholesale, wine industry, and waste recycling. There are a number of entrepreneurial projects, such as restaurant management. At present, the projects of the entrepreneurs in the hands of the loan households are developing in an orderly manner, and they are expected to settle on time, without default.

6. Public welfare undertakings

In 2019, there was a drought in the past 100 years in Guizhou. I was originally a lack of township in the village, and the drought caused the daily life and production development of the farmers’ friends to suffer inevitably, such as the 50-year construction of Guanshan Village in Benzhai Township. The pool has never been done. This drought has made this well only provide up to 3 drinking water per day. The drinking water of more than 100 villagers and livestock in the village has become the biggest problem. Anshun Municipal Party Committee Secretary Chen Jian and other municipal party committee leaders have repeatedly arrived in the village to conduct investigations and give guidance.

The development of rural credit cooperatives is inseparable from the peasant friends who are amiable. We not only support the economic development of farmers, but also love the hot land of nourishing credit cooperatives. Our network staff timely cooperated with the association's love to send water trucks, and many times with the association's chairman and supervisors, went to the villages of Benzhai, Guanshan, Daying, Luguo, Tongdong, etc., and sent water back and forth many times, benefiting thousands of The drinking water problem of farmers and families, the production development of tens of thousands of times, the drought has been alleviated.

The Associated Society has fulfilled its obligations for the society and offered love, leading the establishment of the Initiative 'Xinhe Love Fund'. Our network of employees actively donated money and made contributions to the cause of love. The drought in the past 100 years in Guizhou has occurred, and the employees of the outlets have actively participated in public welfare activities such as donations for drought relief.

Seven, other business work

In daily work in villages, in 2019, our agency assisted Jianglong to collect 125 non-performing loans, recovering the non-performing loan amount of 1,293,757 yuan, and controlling the non-performing loan ratio, ensuring the preservation and appreciation of the assets of the town of Ninglian; 2019 I have 365 days of daily business operations and security work, no case of unsafe liability accidents; in 2019, my network successfully applied for 5 million rural re-loans to the central bank, and won more than 18,000 farmers in this village to benefit financial development. ready.

2019 is the foundation of the foundation, a year of self-confidence and a year of growth. We believe that under the great development of social and financial environment, under the correct guidance of the leaders of the association, under the correct guidance of the leaders of the association, the 20-year-old branch of the village will usher in a new development starting point.