Agricultural Banking Summary
Over the past year, under the correct leadership of our superiors, we have seized five key points, namely, focusing on credit management, preventing and mitigating operational risks; focusing on saving deposits and enhancing financial resources; focusing on increasing revenues and savings, and improving The operational efficiency of funds; focus on standardized management, promote compliance with laws and regulations; focus on team building and improve the overall quality of the bank. Successfully completed the main business tasks. By the end of December, the interest income was 30.54 million yuan; the savings deposit growth rate reached 15.45%; the growth rate of public deposits was 0.9%; the foreign currency deposit amounted to 860,000 US dollars, 60,000 more than the plan. US dollar; deposit and loan increment ratio of 26.66%; cost of 13.78 million yuan; book loss of 37.16 million yuan; actual loss of 45.73 million yuan. The evaluation indicators are also completed very well: the interest-free asset occupancy rate is 15%, only 0.2 percentage points worse than the plan; the normal rate of new loans is 100%; the debt-to-debt disposal rate is 23%, and the excess is 3 percentage points; Borrowing 30 million yuan; non-interest income growth rate is -75%, 95% worse than planned; quota card consumption is 610,000 yuan, over 10,000 yuan; international settlement business amount is 11 million US dollars; excess 3.5 million US dollars There were no major economic, criminal or liability accidents in the past.
Looking back on 1999, we focused on the following aspects:
First, strengthen credit management and raise the level of income.
Mainly caught four important links:
Focus on collecting income. Interest income is a key factor affecting the Bank's operating results. The work of collecting interest is also a difficult task for the whole bank. It is a hard battle. In order to ensure that this arduous task is completed on time, the following three measures have been taken.
First, the task is implemented, rewards and punishments are honored. In accordance with the normal, overdue and sluggish loan occupancy patterns of various places, we deduct the objective factors of the enterprise restructuring and other aspects, and decompose the interest rate plan issued by the superior bank, and monitor it according to the ten months. All the tasks were carried out to the loan officers and to the enterprises, and corresponding reward and punishment methods were formulated to increase the reward and punishment. From the president to the head of the department, he continued to implement the tasks of the package office and the large package. The president and the deputy governor shall take 30% of the total personal salary each month to be linked to the income-receiving task of the whole bank. The director of the department and the staff of all organs shall each take out 400 yuan from various subsidies each month, 40% of which Linked to the package's income-collecting tasks, 60% is linked to the main business tasks of the bank.
The second is to help enterprises improve management, improve efficiency and increase interest rates. Each credit officer has implemented a household assistance task to help invigorate promising enterprises to analyze business management and other aspects, help clear the payment, help sell products, help clear the warehouse, or provide necessary support, increase efficiency, and cultivate The source of interest, only this one, the annual income of 1.08 million yuan. For enterprises with good returns, we try our best to give bank acceptance bills support, promote the production of enterprises, and increase the ability to pay interest. The annual interest rate is 1.86 million yuan. At the same time, we seized the interest collection work of the converted enterprises, and the interest of the enterprises in the whole year was 2.2 million yuan.
The third is to strengthen the management of the payment of goods and prevent the funds from looping outside the loop. This is an important basic management task. If you do a good job, you can increase your income and increase your public deposits. Therefore, accounting, cashiers, and credit departments work closely together, and each department is responsible for: accounting cashiers look at corporate accounts and strengthen cash management; credit officers grasp the flow of funds and the direction of payment for enterprises under their jurisdiction, do a good job of inspection and supervision, and promote the return of goods. The credit management department, the special loan department and the business development department work together to constantly check the inventory cash in the enterprise, do a good job of investigation, and grasp the situation of long-term account opening, which better prevents the loss of interest sources.
Do a good job in standardizing management and reduce and resolve credit risks. Focused on the following links: First, re-adjust the separation of loans, set up credit review posts, legal review posts and credit check posts, rational division of labor, clear responsibilities, handle credit business in accordance with the law, and ensure that credit management work is formalized and legalized. And stylized. The second is to strictly implement the first responsible person loan method, thoroughly resolve the old problems of decoupling powers and responsibilities, unclear responsibilities, and unclear rewards and punishments, and implement the responsibility for loan losses. The third is strict acceptance of bill of exchange management. The acceptance bill is treated as strictly as the new loan, and the program is executed in accordance with the 10 conditions stipulated by the superior bank to ensure that no advance payment occurs.
Do a good job of clearing and revitalizing work. On March 12th, the provincial and provincial banks held a video conference on the credit asset clearing work. The president of the head office, Mr. He Linxiang, and the governor of the provincial bank, Mr. Zhang Shaoshi, made detailed arrangements on the meaning, steps, methods and policies of the clearing. This is a phased central work and a major reform of the bank credit management system. Time is tight and tasks are heavy. According to the unified requirements of the superior bank, we set up a clearing work leading group, which is personally chaired by the president and deputy governor Ren Qingfen office director, who is in charge of this work. Through this clearing work, the level of credit management of the whole bank will be promoted to a new level.
Do a good job of revitalizing bad loans. This year's revitalization mission is younger than the previous one, only down 3 percentage points. However, the difficulty is not light, and it must be recovered. Therefore, less than 1 percentage point is implemented in various places, and it is required to be guaranteed to be completed without moisture.
Optimize the credit structure and do a good job in credit services. We break the boundaries of industry and ownership, and use the vital dual-customer as the focus of credit support, thus realizing the efficient use of credit funds. Focused on the following aspects:
First, the rating level is evaluated, and the existing customers are accurately evaluated and classified. We conducted a comprehensive survey of 570 enterprises that opened accounts and conducted quota evaluation work. Three enterprises were rated as AAA-level enterprises, accounting for 5.65 million yuan of loans; 5 enterprises were rated as AA-level enterprises, accounting for 1.41 million yuan; 10 enterprises were rated as AA-level enterprises, accounting for loans 45.32 million yuan; 3 enterprises were rated as B-level enterprises, accounting for 8.95 million yuan. It laid the foundation for further selection of excellent customers. In the credit management work, enterprises below Grade B were resolutely stopped lending, and loans were restricted to A-level enterprises. AA-level enterprises gave certain support under conditions and promoted corporate restructuring.
The second is to adjust the investment direction of the loan and optimize the structure. First of all, the focus is on ensuring small deposit certificates and pledge loans. The total amount of small-value pledge loans was 4.42 million yuan, accounting for 13.6% of incremental loans. The balance of small-value pledge loans at the end of the year was 27.78 million yuan. Secondly, it supports the development of some high-efficiency and excellent customers. The key point is that enterprises that meet the development of the market economy and have certain influence in the society participate in the bidding of the city, and have obtained the approval of the municipal bank. The annual bid for the loan is 5.9 million yuan. The effect of the same effect of the increase in the efficiency of the bank. For example, Qianyang Jiuda Chemical Fiber Factory won a loan of 5 million yuan, and by the end of the year, it had already invested 4.6 million yuan, and issued a bank acceptance bill of 3 million yuan. All of them have reached the production capacity. The company is operating normally. It is expected to increase the output value by 12 million for the whole year. Yuan, increase the income by 2 million yuan.
Thirdly, the management of bank acceptance bills was further strengthened. In the case of tight scale, the bank acceptance bills were better used to give positive support to the development of some enterprises with good benefits. A total of 98 bank acceptance bills were issued throughout the year, with a cumulative balance of 45.86 million yuan. The balance at the end of the year was 19.53 million yuan. It is estimated that the company's annual profit will reach 8.6 million yuan, and the bank will absorb 21.8 million yuan of deposits. For example, Donggang Wuxing Spinning Mill has issued a total of 10.15 million yuan of bank acceptance bills throughout the year. The bank has absorbed a total of 7.7 million yuan in fixed deposits and averaging monthly deposits of 3.6 million yuan.
Do a good job in the management of special loans. We have included the management of special loans into the assessment content of business operations objectives, and the tasks of collecting interest and revitalizing activities have been decomposed into various places. The management of special loans and the interest-receiving and revitalization work of the various places were regarded as the same as the ABC's own business, and the tasks were completed on schedule.
Second, strengthen deposit management, increase the total amount of funds at the beginning of the year, we put forward the savings deposit growth indicators to achieve "three super", that is, super-project, super-synchronous, super-peer; market incremental share to "guarantee two fight one"; internal Management must achieve "three noes", that is, no mistakes, no violations, no economic cases. Due to the influence of objective factors such as several interest rate cuts, the “Three Super” project failed to achieve all, but the market incremental share and internal management objectives have reached the predetermined plan.
First of all, do a good job in building a team of savings managers. Based on the experience of Jingfeng City, we have formulated the "Measures for the recruitment of savings directors" to implement dynamic management of the directors of savings. The purpose is to break the existing posts and professional boundaries, and to integrate those outstanding and high-quality personnel with certain management standards. Enriched to the position of savings management, and appropriately improve their political and economic treatment, and truly put the responsibility, power, and interests into practice. For the director who realized 100 million yuan in the year, the monthly job subsidy increased to 100 yuan; for the savings director who had a net increase of more than 10 million yuan in the year, the post subsidy increased to 80 yuan; for the year, the net increase of 5 million yuan was the director of the savings, the post The subsidy is 50 yuan; for the current year, the net increase of 3 million yuan is the director of the savings, the post subsidy is 30 yuan; for the net increase of 2 million yuan in the year, the post subsidy is 20 yuan. The above job subsidies are assessed at the end of the year and are redeemed at one time.
Second, continue to improve service quality and establish a good social image. Quality and civilized service is a long-term, endless topic. On the surface, this work cannot be measured and evaluated with quantitative indicators, but there are still standards. This standard is the "civilized industry million-price evaluation activity" proposed by the "popular satisfaction is not satisfied, recognition is not recognized, happy is not happy" . Since the beginning of the year, we have seized this work and have not relaxed, started from scratch, and started from small things. Focused on smiling service, environmental sanitation, and uniform dressing and listing. The awareness of civilized service among employees of the Bank has been further enhanced. The satisfaction rate of depositors' services to ABC employees has increased, and a number of high-quality civilized service models have emerged at the grassroots units. The rush of the employees of the Gushan Savings Office, who wants the depositors to think, is deeply trusted by the local people. Every Spring Festival, people like to change some new money. The savings office is ready for this, although the daily business volume is reached. More than 500 pens, but no matter how busy, as long as the depositors need it, the employees will be very enthusiastic to exchange them without any trouble. Sometimes there is no new money. Everyone will open the bundles of money and choose a few to meet the needs of the depositors. The depositors said: "Agricultural behavior is very thoughtful for our depositors. Just because of this, we have to put money in ABC."
Third, increase the intensity of assessment, and mobilize the enthusiasm of employees. In April, the Bank introduced a new measure of savings percentage, and calculated the savings indicators and quarterly savings to the savings office. The section chief personally assessed the cash. At the grassroots level, the grassroots employees saw that they had acted on the real thing, and the enthusiasm for catching the deposits was mobilized. The director and the director stared at the daily statements every day, analyzed the reasons for formulating countermeasures, and tried every means to save. In order not to affect the work, Lilong and other directors voluntarily gave up the examination for accounting and holding the certificate, and absorbed 80,000 yuan in deposits that day. In front of the Longwang Temple Station, in the case of nervous personnel, the employees spontaneously gave up their personal rest time to go to work, so that Zhang Xue can vacate the time to go out. Yang Li, director of the Dawn Savings Office, claimed to be the director of the field. She asked the comrades in the office not to neglect the customers in the counter, to keep their positions, to be a pioneer outside, and to take back nearly 10 million yuan in deposits throughout the year.
Fourth, strengthen the supervision and supervision work, and the quality of the accounting balance must be supported by high-quality accounting to ensure the occurrence of economic cases. Last year, the number of auditors was reduced from three to two, but the work of the savings audit supervision has been continuously strengthened. The 34 savings outlets at the grassroots level are divided into two films, one for each person, and the grassroots inspection and counseling is carried out on a quarterly basis. A dynamic analysis of savings accounting, and the notification is sent to the grassroots outlets. The key personnel of the key savings office will be monitored, focusing on the effect of rectification after checking the problem. If it can be resolved on the spot, it will not be pushed to tomorrow. The problem that cannot be solved on the spot will be reflected to the leader and the superior bank in time, so as to give timely reply to the grassroots. Last year, it was well received in the two accounting inspections of Dandong City.
Fifth, change the ideological concept in a timely manner, and ensure the steady growth of the deposits. Last year, the state’s macroeconomic regulation and control efforts were further increased, interest rates have dropped to the lowest point in history, interest income tax has been levied, and large amounts of bonds and stocks have been issued, and investment has diversified. Intensified, the people’s awareness of deposits has weakened, and consumer awareness has increased markedly. The competition in the industry is more intense, coupled with tight funding and limited size of small pledge loans, etc., our bank's savings work is the most difficult year in the past years. The whole bank has changed concepts in a timely manner to meet the needs of savings competition.
The first is to change the thinking of a large amount, light and small amount. In the past, people have been keen on deposits and are keen on large households, lacking sporadic small deposits.
Looking back on 1999, we focused on the following aspects:
First, strengthen credit management and raise the level of income.
Mainly caught four important links:
Focus on collecting income. Interest income is a key factor affecting the Bank's operating results. The work of collecting interest is also a difficult task for the whole bank. It is a hard battle. In order to ensure that this arduous task is completed on time, the following three measures have been taken.
First, the task is implemented, rewards and punishments are honored. In accordance with the normal, overdue and sluggish loan occupancy patterns of various places, we deduct the objective factors of the enterprise restructuring and other aspects, and decompose the interest rate plan issued by the superior bank, and monitor it according to the ten months. All the tasks were carried out to the loan officers and to the enterprises, and corresponding reward and punishment methods were formulated to increase the reward and punishment. From the president to the head of the department, he continued to implement the tasks of the package office and the large package. The president and the deputy governor shall take 30% of the total personal salary each month to be linked to the income-receiving task of the whole bank. The director of the department and the staff of all organs shall each take out 400 yuan from various subsidies each month, 40% of which Linked to the package's income-collecting tasks, 60% is linked to the main business tasks of the bank.
The second is to help enterprises improve management, improve efficiency and increase interest rates. Each credit officer has implemented a household assistance task to help invigorate promising enterprises to analyze business management and other aspects, help clear the payment, help sell products, help clear the warehouse, or provide necessary support, increase efficiency, and cultivate The source of interest, only this one, the annual income of 1.08 million yuan. For enterprises with good returns, we try our best to give bank acceptance bills support, promote the production of enterprises, and increase the ability to pay interest. The annual interest rate is 1.86 million yuan. At the same time, we seized the interest collection work of the converted enterprises, and the interest of the enterprises in the whole year was 2.2 million yuan.
The third is to strengthen the management of the payment of goods and prevent the funds from looping outside the loop. This is an important basic management task. If you do a good job, you can increase your income and increase your public deposits. Therefore, accounting, cashiers, and credit departments work closely together, and each department is responsible for: accounting cashiers look at corporate accounts and strengthen cash management; credit officers grasp the flow of funds and the direction of payment for enterprises under their jurisdiction, do a good job of inspection and supervision, and promote the return of goods. The credit management department, the special loan department and the business development department work together to constantly check the inventory cash in the enterprise, do a good job of investigation, and grasp the situation of long-term account opening, which better prevents the loss of interest sources.
Do a good job in standardizing management and reduce and resolve credit risks. Focused on the following links: First, re-adjust the separation of loans, set up credit review posts, legal review posts and credit check posts, rational division of labor, clear responsibilities, handle credit business in accordance with the law, and ensure that credit management work is formalized and legalized. And stylized. The second is to strictly implement the first responsible person loan method, thoroughly resolve the old problems of decoupling powers and responsibilities, unclear responsibilities, and unclear rewards and punishments, and implement the responsibility for loan losses. The third is strict acceptance of bill of exchange management. The acceptance bill is treated as strictly as the new loan, and the program is executed in accordance with the 10 conditions stipulated by the superior bank to ensure that no advance payment occurs.
Do a good job of clearing and revitalizing work. On March 12th, the provincial and provincial banks held a video conference on the credit asset clearing work. The president of the head office, Mr. He Linxiang, and the governor of the provincial bank, Mr. Zhang Shaoshi, made detailed arrangements on the meaning, steps, methods and policies of the clearing. This is a phased central work and a major reform of the bank credit management system. Time is tight and tasks are heavy. According to the unified requirements of the superior bank, we set up a clearing work leading group, which is personally chaired by the president and deputy governor Ren Qingfen office director, who is in charge of this work. Through this clearing work, the level of credit management of the whole bank will be promoted to a new level.
Do a good job of revitalizing bad loans. This year's revitalization mission is younger than the previous one, only down 3 percentage points. However, the difficulty is not light, and it must be recovered. Therefore, less than 1 percentage point is implemented in various places, and it is required to be guaranteed to be completed without moisture.
Optimize the credit structure and do a good job in credit services. We break the boundaries of industry and ownership, and use the vital dual-customer as the focus of credit support, thus realizing the efficient use of credit funds. Focused on the following aspects:
First, the rating level is evaluated, and the existing customers are accurately evaluated and classified. We conducted a comprehensive survey of 570 enterprises that opened accounts and conducted quota evaluation work. Three enterprises were rated as AAA-level enterprises, accounting for 5.65 million yuan of loans; 5 enterprises were rated as AA-level enterprises, accounting for 1.41 million yuan; 10 enterprises were rated as AA-level enterprises, accounting for loans 45.32 million yuan; 3 enterprises were rated as B-level enterprises, accounting for 8.95 million yuan. It laid the foundation for further selection of excellent customers. In the credit management work, enterprises below Grade B were resolutely stopped lending, and loans were restricted to A-level enterprises. AA-level enterprises gave certain support under conditions and promoted corporate restructuring.
The second is to adjust the investment direction of the loan and optimize the structure. First of all, the focus is on ensuring small deposit certificates and pledge loans. The total amount of small-value pledge loans was 4.42 million yuan, accounting for 13.6% of incremental loans. The balance of small-value pledge loans at the end of the year was 27.78 million yuan. Secondly, it supports the development of some high-efficiency and excellent customers. The key point is that enterprises that meet the development of the market economy and have certain influence in the society participate in the bidding of the city, and have obtained the approval of the municipal bank. The annual bid for the loan is 5.9 million yuan. The effect of the same effect of the increase in the efficiency of the bank. For example, Qianyang Jiuda Chemical Fiber Factory won a loan of 5 million yuan, and by the end of the year, it had already invested 4.6 million yuan, and issued a bank acceptance bill of 3 million yuan. All of them have reached the production capacity. The company is operating normally. It is expected to increase the output value by 12 million for the whole year. Yuan, increase the income by 2 million yuan.
Thirdly, the management of bank acceptance bills was further strengthened. In the case of tight scale, the bank acceptance bills were better used to give positive support to the development of some enterprises with good benefits. A total of 98 bank acceptance bills were issued throughout the year, with a cumulative balance of 45.86 million yuan. The balance at the end of the year was 19.53 million yuan. It is estimated that the company's annual profit will reach 8.6 million yuan, and the bank will absorb 21.8 million yuan of deposits. For example, Donggang Wuxing Spinning Mill has issued a total of 10.15 million yuan of bank acceptance bills throughout the year. The bank has absorbed a total of 7.7 million yuan in fixed deposits and averaging monthly deposits of 3.6 million yuan.
Do a good job in the management of special loans. We have included the management of special loans into the assessment content of business operations objectives, and the tasks of collecting interest and revitalizing activities have been decomposed into various places. The management of special loans and the interest-receiving and revitalization work of the various places were regarded as the same as the ABC's own business, and the tasks were completed on schedule.
Second, strengthen deposit management, increase the total amount of funds at the beginning of the year, we put forward the savings deposit growth indicators to achieve "three super", that is, super-project, super-synchronous, super-peer; market incremental share to "guarantee two fight one"; internal Management must achieve "three noes", that is, no mistakes, no violations, no economic cases. Due to the influence of objective factors such as several interest rate cuts, the “Three Super” project failed to achieve all, but the market incremental share and internal management objectives have reached the predetermined plan.
First of all, do a good job in building a team of savings managers. Based on the experience of Jingfeng City, we have formulated the "Measures for the recruitment of savings directors" to implement dynamic management of the directors of savings. The purpose is to break the existing posts and professional boundaries, and to integrate those outstanding and high-quality personnel with certain management standards. Enriched to the position of savings management, and appropriately improve their political and economic treatment, and truly put the responsibility, power, and interests into practice. For the director who realized 100 million yuan in the year, the monthly job subsidy increased to 100 yuan; for the savings director who had a net increase of more than 10 million yuan in the year, the post subsidy increased to 80 yuan; for the year, the net increase of 5 million yuan was the director of the savings, the post The subsidy is 50 yuan; for the current year, the net increase of 3 million yuan is the director of the savings, the post subsidy is 30 yuan; for the net increase of 2 million yuan in the year, the post subsidy is 20 yuan. The above job subsidies are assessed at the end of the year and are redeemed at one time.
Second, continue to improve service quality and establish a good social image. Quality and civilized service is a long-term, endless topic. On the surface, this work cannot be measured and evaluated with quantitative indicators, but there are still standards. This standard is the "civilized industry million-price evaluation activity" proposed by the "popular satisfaction is not satisfied, recognition is not recognized, happy is not happy" . Since the beginning of the year, we have seized this work and have not relaxed, started from scratch, and started from small things. Focused on smiling service, environmental sanitation, and uniform dressing and listing. The awareness of civilized service among employees of the Bank has been further enhanced. The satisfaction rate of depositors' services to ABC employees has increased, and a number of high-quality civilized service models have emerged at the grassroots units. The rush of the employees of the Gushan Savings Office, who wants the depositors to think, is deeply trusted by the local people. Every Spring Festival, people like to change some new money. The savings office is ready for this, although the daily business volume is reached. More than 500 pens, but no matter how busy, as long as the depositors need it, the employees will be very enthusiastic to exchange them without any trouble. Sometimes there is no new money. Everyone will open the bundles of money and choose a few to meet the needs of the depositors. The depositors said: "Agricultural behavior is very thoughtful for our depositors. Just because of this, we have to put money in ABC."
Third, increase the intensity of assessment, and mobilize the enthusiasm of employees. In April, the Bank introduced a new measure of savings percentage, and calculated the savings indicators and quarterly savings to the savings office. The section chief personally assessed the cash. At the grassroots level, the grassroots employees saw that they had acted on the real thing, and the enthusiasm for catching the deposits was mobilized. The director and the director stared at the daily statements every day, analyzed the reasons for formulating countermeasures, and tried every means to save. In order not to affect the work, Lilong and other directors voluntarily gave up the examination for accounting and holding the certificate, and absorbed 80,000 yuan in deposits that day. In front of the Longwang Temple Station, in the case of nervous personnel, the employees spontaneously gave up their personal rest time to go to work, so that Zhang Xue can vacate the time to go out. Yang Li, director of the Dawn Savings Office, claimed to be the director of the field. She asked the comrades in the office not to neglect the customers in the counter, to keep their positions, to be a pioneer outside, and to take back nearly 10 million yuan in deposits throughout the year.
Fourth, strengthen the supervision and supervision work, and the quality of the accounting balance must be supported by high-quality accounting to ensure the occurrence of economic cases. Last year, the number of auditors was reduced from three to two, but the work of the savings audit supervision has been continuously strengthened. The 34 savings outlets at the grassroots level are divided into two films, one for each person, and the grassroots inspection and counseling is carried out on a quarterly basis. A dynamic analysis of savings accounting, and the notification is sent to the grassroots outlets. The key personnel of the key savings office will be monitored, focusing on the effect of rectification after checking the problem. If it can be resolved on the spot, it will not be pushed to tomorrow. The problem that cannot be solved on the spot will be reflected to the leader and the superior bank in time, so as to give timely reply to the grassroots. Last year, it was well received in the two accounting inspections of Dandong City.
Fifth, change the ideological concept in a timely manner, and ensure the steady growth of the deposits. Last year, the state’s macroeconomic regulation and control efforts were further increased, interest rates have dropped to the lowest point in history, interest income tax has been levied, and large amounts of bonds and stocks have been issued, and investment has diversified. Intensified, the people’s awareness of deposits has weakened, and consumer awareness has increased markedly. The competition in the industry is more intense, coupled with tight funding and limited size of small pledge loans, etc., our bank's savings work is the most difficult year in the past years. The whole bank has changed concepts in a timely manner to meet the needs of savings competition.
The first is to change the thinking of a large amount, light and small amount. In the past, people have been keen on deposits and are keen on large households, lacking sporadic small deposits.
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