Credit work summary

Credit work summary

In the first half of the year, under the unified arrangement of the leadership and the credit department of the xx sub-branch, the whole bank worked together to accelerate the development of the theme, to expand the scale of deposits and loans, improve asset quality, and strengthen credit management. Focus, based on the implementation of various credit systems, after a quarter of “very dedication 6+1” and the second quarter of “Star Avenue” and other competition activities, xx branches of various business performance grew steadily, as of the end of June, the branch The balance of various deposits was 213.07 million yuan, an increase of 21.45 million yuan over the beginning of the year; the balance of various loans was 113.44 million yuan, an increase of 25.27 million yuan over the beginning of the year, and the deposit-loan ratio was 53%; the balance of non-performing loans was 16,000 yuan, down by 0.9 million yuan from the beginning of the year; The amount of bank acceptance bills was 88.49 million yuan; the amount of cash paid was 55.07 million yuan; the interest income was 5.84 million yuan, and the profit was 3.77 million yuan in half a year. The target tasks assigned by superiors were fully completed, and credit management was gradually moving toward standardization and institutionalization.

First, earnestly implement policies, strictly follow the requirements of standardized management, and earnestly strengthen the basic work of credit to ensure that all indicators are completed.

In the past six months, the Bank has earnestly studied and profoundly understood the spirit of the head office meeting and archives, analyzed the situation in a timely manner, conscientiously implemented policies, strictly regulated enterprises, standardized internal management, and effectively prevented risks, which not only improved the level of credit management but also ensured that the year was completed. Each business responsibility assessment indicator lays a solid foundation.

In the loan placement, the sub-branch pays close attention to the loan risk management. The specific measures adopted are: (1) Strictly implement the “Guidelines for Credit Risk Control” issued by the head office to further control the credit risk and standardize the credit behavior. Strictly pre-lending investigation, review and approval procedures, and the scope and requirements of pre-lending investigations of credit officers to ensure that credit investigation materials are true and effective. (2) Strictly control the credit risk, strictly implement the credit risk prevention and control management system, comprehensively implement the separation of trial and loan, standardize the loan review meeting, implement the loan review meeting system, hold meetings in strict accordance with the procedures of the loan review meeting, and clarify the main responsible persons of each link. Duties. Conduct post-loan inspections in a solid and meticulous manner, regularly and irregularly check and analyze the business conditions and collateral status of the company, and carefully report the post-loan management form. We will do a good job in the five-category classification of loans, and formulate specific operational implementation rules for the five-level classification to classify customers, thus improving the quality of credit management. For working capital loans and discounted loans, the acceptance drafts strictly implement the unified format of the investigation, examination and approval procedures required by the head office in the process of reporting and approval, and effectively control the credit risk from the source. Actively cooperated with the Credit Department of the Head Office to do a good job in credit inspection. No violations were found during the inspection, and the credit work was affirmed and praised.

Second, through the leverage of credit, seize market share, expand the strength of funds, and enhance the development of stamina.

In the first half of the year, our sub-branch continued to make a fuss about opening up credit business, conducting credit marketing, and actively organizing deposits. We will do a good job of returning visits to large households, pay close attention to and master the operation and operation of the loan units, and organize deposits. Actively develop business and tap customers.

1. In the first half of the year, the Bank's credit funds were mainly invested in high-quality enterprises and large and medium-sized projects, and continued to focus on supporting high-quality enterprises with good quotas, good management and good returns, such as Zhonglian Julong Cement Co., Ltd., Yiren City Construction Co., Ltd. Ma Real Estate Co., Ltd., etc., used this part of the loan as an important strategic measure for the Bank to adjust the credit structure, diversify credit risk, seize market share and maintain sustainable development, and the credit structure was further optimized. Moreover, by optimizing the credit structure and the correct delivery of credit funds, our bank's quality customers are increasing. It not only reduces operational risks, but also achieves good social benefits.

2. In the first half of the year, the Bank adhered to diversified business development, accelerated the development of bill discounting business, and focused on increasing the amount of credit for quality customers, which not only reduced the overall risk of loans, but also brought in substantial interest income, with relative The implementation of independent accounting has significantly improved economic benefits. From January to June this year, the interest income was 5.84 million yuan, exceeding the annual interest rate of the whole year and realizing a profit of 3.77 million yuan, effectively expanding the financial strength and enhancing the development potential. Development momentum

Third, increase credit marketing efforts, continuously develop business space, and accelerate the pace of business development.

1. In the first half of the year, the Bank has made certain breakthroughs in the development of credit business, especially in the aspect of automobile consumer loans. The Bank also paid special attention to strengthening cooperation between banks and enterprises and coordinating and handling the relationship between banks and enterprises. According to the development of form and the actual needs of work, we will actively carry out investigations and studies, exchange information with enterprises, strengthen understanding and cooperation, negotiate ways to solve problems, increase support for enterprises, and build a new relationship between banks and enterprises. In March, the Bank and the City Automobile Sales Co., Ltd. held a silver-enterprise networking event. Through activities, the Bank strengthened communication and understanding between banks and enterprises, and established a deep-level bank-enterprise partnership.

2. In the first half of the year, the Bank further improved its understanding of credit marketing, continuously promoted the construction of civilized quota projects, maximized market share, established a solid customer base, increased marketing efforts for individual private economy and individual residents, and selected quotas. Individual enterprises and urban residents with good repayment ability are the targets of credit marketing of our bank, combining credit marketing with green civilization quota ecological engineering, and establishing activities through a series of social civilization quotas to create a unique credit marketing. Brand.

Third, establish a sound internal management mechanism, business operations in an orderly manner, improve work efficiency, and promote business development.

While continuously strengthening and improving daily credit work, the Bank also focuses on strengthening the business learning of credit officers so that they can be handy in business operations and improve work quality and work efficiency. Do a good job in the archiving of credit data and various carry-overs, implement one-to-one file, and establish a complete system of customer information files for timely review and recall. For credit accounts and statements, the information can be fully and accurately reflected, reports can be reported in a timely manner, credit registration work can be done, and information can be provided in a timely manner. While doing a good job of management, the Bank has continued to strengthen its service awareness, improve its service methods, actively carry out high-quality and civilized services, establish a "window" image, serve to retain depositors, attract deposits with enthusiasm, and always take the customer as the spirit of God's philosophy. To better serve our customers, improve our external image, and promote business development with quality services.

Fourth, the second half of the work ideas

1. Based on the current situation, we will do a good job in all stages of work. On the basis of the first half of the year, we will start in the second half of the year.

In the second half of the year, we must do a good job in the arrangement and implementation of various credit businesses. For the projects that have been intent in the first half of the year, we will strive to do a good job in the second half of the year. For example, we must do a good job in the mortgage business of Xingang International and Huayin Real Estate. Good big households return to work, strengthen the statistical work of loan enterprises to withdraw funds, consolidate old customers, develop new customers, comprehensively carry out credit marketing work, and strive to complete various tasks of credit business.

2. Do a good job in rating the enterprise's quota and provide a scientific basis for credit decision-making.

Seriously investigate and verify the company's situation, carry out the enterprise quota grading work, study hard, and deeply understand the relevant Archives and Head Office quota grading and management methods, and strictly follow the unified standards and calculation methods stipulated by the head office to ensure objective, fair and accurate assessment. The enterprise's quota level truly reflects the company's operation and management, financial status and credibility, and establishes the basic basis for the Bank to measure the risk tolerance of the account opening enterprise and implement the credit access mechanism.

3. Summarize experience and strengthen management.

Further strengthen the credit base management work and strengthen credit according to the inspection requirements of the credit department of the head office

Management of file integrity, accuracy, compliance and confidentiality, establishment and improvement of credit business ledgers, credit accounts, collateral collateral books and non-performing loan supervision ledgers. Establish the best combination of branch management and management objectives to ensure that the asset quality of the branch is always stable.

Although the work in the first half of the year has achieved certain results, there is still a certain distance from the leadership requirements. We have calmly analyzed the shortcomings. First, the standardization management of the business needs to be further strengthened. The system regulations should be fully implemented in all aspects of the business work. Second, the scope of business development needs to be continuously expanded, and the fields involved should be broader and deeper to promote business. Continue to develop.

The above questions will be the focus of our work and improvement in the future. In the future, we will strictly strengthen management, continuously develop new areas of business, and meet strict requirements of high standards. Under the correct guidance of the leadership and credit department, we will continue to improve and improve. Do a good job in the tasks of the second half of the year.

Credit work summary

In the xx branch, I am engaged in one of the most mundane jobs - the teller. Some people may say that ordinary tellers talk about careers, no, they can do a brilliant career on the counter. Excellence begins with ordinary, perfection comes from seriousness. I love this job and use it as a starting point for my career. As an ABC employee, especially a front-line employee, I deeply feel the heavy responsibility. The counter service is a "civilized window" that shows the good service of the XX line system. Therefore, I am full of enthusiasm, sincere service, sincere service, and win the trust of customers with her positive working attitude.

Yes, among the XX employees, the tellers are the groups that directly face the customers. The counters are the windows that show the image of the ABC. The daily work of the tellers may be busy and monotonous. However, in the face of various customers, the tellers should be skilled in operation. Dedicated service, day after day, with thoughtful service, customers can truly appreciate the sincerity of XX pedestrians, feel the warmth of doing business in XX, such work is extraordinary, I am for my position Proud! To this end, I ask myself to do the following: First, master the excellent business skills, and never relax business learning; second, maintain good professional conduct, abide by national laws and regulations; third, cultivate harmonious interpersonal relationships, and Colleagues live in harmony; the fourth is to clearly understand oneself, win or lose, and lose.

Since I joined the work, I have been based on my position, working hard, learning business knowledge, and consulting with experienced colleagues. Only in this way can we really do the work that can stand the test of time. The little things that made me realize that as a front-line employee, I am destined to be ordinary, because he can't use the blood of the soldiers to smash the muzzle like a rushing warrior, bombing the bunker, leaving a hero's name for the world to proclaim. It is not even possible to broadcast summer harvests like farmers, and to harvest autumn harvests in summer. There is always a fixed harvest. Some are only repeated day after day, year after year, such as deposits, withdrawals, account entry, collection and release, marketing maintenance, ushered in such boring operations and complicated matters. In this ordinary post, let me deeply understand that greatness is in the ordinary, ordinary people can be dedicated, dedication to our enthusiasm, dedication to our sincerity, dedication to our youth. Ordinary we can create a wonderful sky, there is no foundation to come to the tall buildings, no ordinary where great! The value of life can only be sublimated and perfected in the ordinary dedication.

In the process of serving customers, I always insist on “thinking what customers want, urgency for customers, and worrying about customers”, providing customers with comprehensive, thoughtful, convenient and efficient services to achieve operational standards. Service specifications, politeness and decent manners have left a good impression on customers and won the trust of customers. In the actual handling of business, under the premise of ensuring compliance with the rules and regulations of the Bank, we can flexibly grasp the marketing method, provide customers with certain convenience, and provide personalized and fast service to customers flexibly and appropriately.

Perfection comes from seriousness. Based on the excellent service of the counter, we try our best to provide customers with more thoughtful services. Because there are no discerning customers, only imperfect services. In my daily work, I actively study new knowledge, new business, theory and practice, and master the various service skills. I started from a small matter, when doing business, try to be fast, accurate, and efficient, let customers wait less, run less, ask less, and provide customers with timely, punctual, regular, and always-on services.

Youth is the most precious time of life, because you are full of enthusiasm and energy, because you dare to dare to do it, and you are energetic because there are too many dreams and hopes! But in my opinion, the preciousness of youth still includes the unremitting pursuit and The integration of the team, the lofty moral cultivation, and the strong will, must be able to withstand the ordinary, based on the ordinary, indifferent to fame and fortune, and courage!

Credit work summary

In the past year, under the correct leadership of the Associated Press, I have done a good job in credit management for my own director of the quota, which has the following aspects:

The first is to improve the comprehensive quality of credit officers and effectively avoid credit risks. To prevent and resolve non-performing loans, employee quality is the key, especially the need for a high-quality credit management team. First, it is necessary to strengthen the professional ethics education of credit officers, improve the sense of responsibility and dedication of credit officers, and prevent the risk of credit assets from becoming the conscious action of credit officers, thus achieving the purpose of preventing moral hazard of credit managers. Second, we must strengthen the business training for credit officers. Credit managers need to have a variety of knowledge, not only to be proficient in credit business, familiar with loan operating procedures, but also to master the financial knowledge of enterprises. The existing credit personnel business is far from being able to adapt to the needs of business development, and should use a variety of methods. Conduct business training and examinations for credit officers to prevent risks from poor credit manager skills. Third, we must urge credit officers to grasp all laws and regulations in a timely manner, especially some basic laws closely related to the quality of credit assets, such as commercial banking law, loan general law, guarantee law, bankruptcy law and civil procedure law. Mastering and using legal weapons is an urgent requirement of the times for credit officers.

The second is to formulate a management mechanism with awards and penalties, equal rights and responsibilities, based on actual conditions. According to the actual situation of the quota society, under the premise of obtaining the consent of the Associated Press, the credit agency of the quota social security system has timely introduced a three-pack and one-hanging management mechanism, and takes the appropriate proportion from the interest income as the income of the credit officer. It has significantly increased the incentives and commendations for people who have paid loans, collected loans, and paid interest, widened the income gap of credit officers, and increased the enthusiasm of credit officers. At the same time, clear the point of responsibility for the loan, when the non-performing loans in the credit officer's liability loan exceed a certain amount, resolutely replace it from the post of credit or even the person in charge, to prevent the deterioration of the quality of the loan and the continued increase of non-performing loans due to personal reasons. Through one year of practice, the expected results have been achieved. The non-performing loans of the whole society have dropped by 520,000 yuan compared with the beginning of the year. The loan recovery rate has reached 100% for the first time. The annual income of credit officers is about 5,000 yuan higher than that of ordinary employees. Personal win-win.

The third is to clarify the credit responsibilities of each link and each position to prevent vacancy and unrealistic concentration. Each loan, especially a large loan, clarifies the proportion of responsibilities of investigators, members of the second-level decision-making body, and post-loan management personnel, which eliminates the unrealistic practice of concentrating responsibility on investigators and prevents “collective clearing”. The formalism phenomenon of "receiving" really makes the loan responsibility fall and falls, ensuring that all positions and personnel in each link can fulfill their duties and shoulder their responsibilities. Non-credit positions do not have the relevant business skills for credit management and should not be used as loan owners. Loans for internal staff introduction, guarantees, and even personal loans will be treated in the same way as other loans, and will be examined in strict accordance with the regulations. The responsibility for collection should also be borne by credit officers.

The fourth is to strengthen reasonable incentives for credit officers and regulate their work processes. Keep the credit team relatively stable, so that they have enough time to familiarize themselves with the various situations, and provide open communication channels for credit officers to listen to their opinions and suggestions.

The fifth is to control the work process of credit officers. The key point is to standardize and order the work process of credit officers, improve the various elements of the loan contract, make it legal and compliant, and eliminate the eating, taking, and card in the credit process. Wait for the phenomenon. The training is targeted. In addition to the general laws and regulations for credit officers, the company also specializes in different situations. Through training, it effectively improves the work skills of credit officers and the understanding of the management regulations of rural quotas. Recognition, and loyalty to the quota society, enhance their confidence. Classification incentives, survival of the fittest. For the incentives of credit officers, do not engage in "one size fits all", but based on the actual situation, develop corresponding incentives to create a competitive atmosphere for you to catch up with. Those who are unable to perform credit work or are unable to complete their work tasks shall implement the final elimination system and transfer away from credit positions.

The sixth is to strictly push the loan to the off: lending is not excessive. Credit officers are required to “make every loan accurate” as a guideline for credit work. Therefore, I will position the business direction as: based on the "three rural", serving the urban and rural areas, acting as a lever to achieve "win-win". First, efforts were made to promote microfinance for farmers. The second is to support the adjustment of the rural economic structure.

The seventh is to strictly enforce the system. In the actual work, the “pre-lending investigation” and “post-loan return visit” systems are strictly implemented. Every quarter, I conducted a random check and return visit to the loan operation of the loan households, and each time a record was formed. After returning from the loan, I will be aware of the loan situation of the whole society and recover the risky loans in advance.

Eight is to deal with the "three relationships": First, the relationship between credit risk and asset utilization. The income of the quota social loan business comes from the difference between the cost of capital and the interest on the loan. Therefore, I will deal with the relationship between credit risk and asset utilization of the credit society as a key. The second is the relationship between loan marketing and strict management. At present, when increasing effective credit input, strict control of new non-performing loans occurs. Grasp the loan input and use the credit increase to eliminate the phenomenon of illegal loans and “large bases” and block the source of non-performing loans. We will conscientiously implement the “three investigations” system for loans, strengthen credit supervision and management, and strictly enforce loan approval systems and operating procedures to regulate credit behavior. At the same time, all credit officers are required to reasonably determine the loan term according to the characteristics of “agriculture, rural areas and farmers” and the actual needs of enterprises and farmers, and must not arbitrarily extend or shorten it, and truly reflect the form of loan occupation. The third is the relationship between accountability and incentive policies. Establish a reasonable incentive and restraint mechanism, penalize the loss caused by the loan, and reward the correct economic decision. Effectively improve the assessment methods for credit officers in the credit management, only levy no prizes, heavy punishments and light awards, and mobilize the enthusiasm of loan officers to issue, manage and recover loans.