Summary of the work of the company in 2004

In 2004, the work of the League of China’s flagship branch was guided by the spirit of the 16th National Congress of the Communist Party of China. Under the correct leadership of the banking regulatory bureaus at all levels and local party and government, it was closely followed by the ninth session of the Kozuo Banner Committee. The rural economic development plan formulated by the whole committee meeting and the overall requirements of the “transfer of the rural quota society to the main farmer’s battlefield” proposed by the autonomous region’s banking regulatory bureau, combined with the series of educational practice activities of “governing for the people and accelerating development”, continuously improve the internal operation mechanism. Change the credit management model, strengthen the service concept, introduce the market mechanism, and strive hard for the whole banner, so that all work has achieved good results.

I. Completion of several business operation indicators

1. Completion of various deposits

As of the end of December, the balance of various deposits of the National Wholesale Social Welfare Society reached 345.48 million yuan, the balance of the shares of the rural quota social enterprises reached 35.54 million yuan, and the approved annual plan of the Associated Press was 34 million yuan 104.5%. The balance of various social loans reached 291.1 million yuan, with an annual total of 220.27 million yuan and a total recovery of 145.6 million yuan. The full-scale rural quota society realized various incomes of 26.12 million yuan.

Second, several main tasks

1. Pay close attention to the organization of funds.

Since the beginning of the year, the Associated Press has taken the task of organizing funds as the top priority. In accordance with the business philosophy of depository associations and deposits, the company has adjusted its business strategy in a timely manner, updated its concepts, and fully mobilized the enthusiasm and initiative of all employees. The appraisal system, based on market changes and customer needs, boldly tried to raise funds for marketing services, continuously expanded financing channels, and exerted its own advantages in many aspects, vigorously raised funds, and promoted the development of Zengbu.

First, the work in the first quarter has achieved remarkable results. This year, the party committee of the association held a social affairs meeting on the second day of January according to the funding situation. It researched and deployed the work for the first quarter, and issued an increase, revitalization, and income-generating plan in the form of archives. Early deployment. At the same time, the staff were formed to form a working group, and the grassroots organizations were arranged to guide the work in the first quarter. Through the efforts of the whole banner, a total of 13.44 million yuan was returned in the first quarter.

The second is to convene a full-scale quota director meeting to deploy the year-round work. On March 4, 2005, the Associated Press held a meeting of the directors of the full-scale quota society, and put forward the general work ideas and goals of 2005, namely: guided by Marxism-Leninism, Mao Zedong Thought, Deng Xiaoping Theory and the important thinking of the "Three Represents" In order to deepen the reform of the rural quota society, we will focus on increasing the deposits and generating income to achieve the “double down” of non-performing loans, focusing on the “four major flag strategies” and the “three super four doubles” targets proposed by the flag committee and the government. Continuously improve the means of supporting agriculture, effectively promote rural stability, increase income of farmers and herdsmen, develop agriculture and animal husbandry, establish a market-oriented, efficiency-centered, development-driven scientific management mechanism, and comprehensively promote the two benefits of the quota society. improve.

The goal of the struggle in 2005: This year, the whole flag strives to achieve breakthroughs in four “three”s: all deposits will reach 320 million yuan at the end of the year, up 16% from the previous year; the stock will reach 31 million yuan at the end of the year, up 10% from the previous year. Non-performing loans "double down" completed 32 million yuan; realized interest income of 30.1 million yuan, strive for social security surplus, surplus balance reached 2 million yuan; high-risk quota society fell 30% during the year; 80 million yuan, including: a small amount of loans of 50 million yuan, and in-depth and detailed development of rural quota projects; party building, trade unions, two civilized construction, security and other work to a new level.

The third is to implement a strict assessment of the plan. The tasks assigned to us by the Municipal Banking Regulatory Bureau this year are very arduous, and the deposits of various deposits amounted to 93 million yuan. According to this actual situation, the Associated Committee decomposed the tasks into various social agencies, and the agencies decomposed the tasks. To each employee, the task was clear. The Associated Press has also formulated new measures for assessing the efficiency of wages, and requires all agencies to ban false savings. The agencies have also developed their own internal assessment methods based on the assessment methods of the association, thus truly achieving a performance-linked, reward-and-penal management mechanism. The overall mobilization of the work enthusiasm of the majority of employees.

Fourth, the June activity month achieved phased results. June is a favorable season for cashmere, fresh milk and pigs to be listed. According to this situation, the association held a monthly meeting on the addition, revitalization and income-generating activities of the full-scale quota society on May 21, and arranged the deployment of this work. And formulated a detailed assessment and reward method, and also dispatched personnel to form a working group, went deep into the grassroots inspection and guidance activities month work, and received obvious results. By the end of June, the whole banner had increased deposits by 8.53 million yuan, revitalized funds of 25.33 million yuan, and increased interest income by 7.37 million yuan.

The fifth is to rationally improve the layout of outlets and improve market competitiveness. This year, the Associated Press merged the Ganzhen Xinghe Savings House into the Malayan Street Savings Office according to the actual layout and operation of the Ganzhen regional network point, and merged the branch national savings bank into the second camp savings office and made the personnel reasonable. Placement. By merging the savings outlets, the layout of the outlets has been rationalized, and the strength of the market in which the savings are located has also increased the sense of crisis and urgency of the employees, thus further strengthening the work of saving.

Sixth, actively carry out the work of expanding shares and increasing capital. This year, the Associated Press plans to increase 1,000 shareholder households and increase the balance of new shares by 7.39 million yuan. According to this overall requirement, the whole banner of the company will overcome the fear of distress and actively carry out propaganda activities to give priority to members' equity loans and preferential interest rates. The conditions have mobilized the enthusiasm of the majority of farmers and herdsmen. At the same time, in order to meet the needs of reform and increase the capital adequacy ratio, we increased the strength of employees' shareholdings, requiring the deputy director of the quota to invest 20,000 yuan, the formal employees 10,000 yuan, and the temporary workers 5,000 yuan, increasing the amount of equity. By the end of December, the number of shareholders in the whole flag had reached 71,688, and the balance of the share capital reached 35.54 million yuan.

Seventh is to pay attention to institutional savings. On the basis of last year's 250,000 yuan of regular savings deposits per person, this year, from March onwards, each person added a new regular savings deposit of 20,000 yuan, the balance reached 270,000 yuan and required monthly and monthly balances, and formulated corresponding rewards. The assessment method is linked to personal interests. As of the end of December, the balance of savings deposits reached 9.52 million yuan.

2. Timely release credit funds, earnestly do a good job in supporting agriculture and promote local economic development.

This year, the Association conscientiously implemented the spirit of the economic work conferences at the city and the flag level, actively supported the development plan for agriculture and animal husbandry developed by the flag committee and the government, achieved the goal of “three super four and four times”, and made every effort to do a good job in credit support services. It has played the role of the rural quota society to support the main force of the army, effectively promoting the increase of farmers' income, rural stability, and the development of agriculture and animal husbandry. By the end of December, the total amount of credit funds invested by the entire banner was 220.27 million yuan, including: medium and long-term loans of 41.82 million yuan, and the loan balance reached 291.1 million yuan.

This year, the credit is placed in accordance with the asset-liability ratio management requirements. At the same time, the association will release the ratio of assets and liabilities to the companies on a monthly basis. Under the premise of the mandatory storage plan, the amount of non-performing loans and 40% of new deposits can be Loans. Second, this year we also changed the credit management model of “Spring Loan, Autumn Harvest, and Winter Loan” in accordance with the requirements of the Municipal Bureau, and achieved regular loans. The third is to strictly control the release in the process of delivery, strictly in accordance with the funds management measures of the association, and resolutely put an end to the violation of rules and regulations such as lending money, deducting interest, deducting shares, placing real goods, and tired households. Fourth, individual industrial and commercial household loans have been effectively mortgaged, and procedures have been strictly followed to prevent credit risks. The fifth is to reasonably determine the loan period and timely release cross-year loans. According to the work arrangement of the municipal branch office, combined with the actual situation of the rural credit quota agency of our flag, at the end of October and December, the full-country loan of the full-country rural quota society in the same year needs to be put into the inter-annual loan. The whole banner quota society quickly raises awareness, changes the concept, and actively distributes this item. Loans, in the issuance program, the various agencies submit applications, the association issued after the approval, must issue secured loans and joint guarantee loans, and never allow the amount of loans.

3. Actively carry out the establishment of rural quota projects.

According to the arrangement of the association, this year, the entire banner will complete the assessment of five quota townships and 100 quota villages. According to this requirement, the total number of banners will be assessed by the total number of townships, accounting for 4.3% of the townships. There are 148, accounting for 27.8% of the total number of villages, 43,815 households, accounting for 74.2% of the households, and a total of 43,815 rich households, with an increase of 285,78. Through the development of this work, the quotas and quota awareness of the majority of farmers and herdsmen have been significantly improved, and the rural quota environment has been improved, the quality of credit assets has been improved, and financial risks have been prevented and resolved.

4. Vigorously revitalize the funds and promote a virtuous circle of funds.

In recent years, due to the natural disasters of several consecutive years, a large amount of credit funds have been deposited. The balance of non-performing loans of the whole banner has reached 148.55 million yuan. These loans cannot be used in turn, which has seriously restricted the development of the quota society. We will make every effort to take all measures to clean up bad loans. First, strictly implement the dual-down plan, responsibility to the film, responsibility to the people; second, use the public security department to combat the evasion of bank debt activities, take tough measures to clear the harvest; third, take responsibility to clear that is: who puts the method of collecting; Fourth, the financial system and the quota social cadres, party and government cadres loans through legal and deduction of wages and other methods to clear the harvest; Fifth, the establishment of the Association's collection and payment incentives, rewards the collection staff. Through the above measures, the whole flag quota society has recovered a total of 145.6 million yuan of loans to and from overdue.

5. Strengthen financial management and improve accounting standards

This year, the Associated Press continued to pay close attention to the financial revenue and expenditure work, careful calculation, increase income and reduce expenditure. First, do a good job in the financial plan of the quota society in a timely manner. According to the company's approved operating income, cost, expense rate and profit and loss plan, do everything possible to take all feasible measures and measures to achieve the indicators; second, strengthen financial management to collect The implementation of the fee system is a pen system; the third is to collect the non-interest-bearing funds, and to reduce the business share of the company to the minimum; the fourth is to seriously carry out the intermediary business and increase the income source of the social income. We have already started with ICBC. Online banking, at the same time actively active in property and casualty insurance, human insurance and other businesses, thereby continuously increasing the amount of social income sources; Fifth, strengthen the basic accounting work, strengthen the management of important blank documents, so that accounting work is truly standardized, institutionalized track . Through the above efforts, the operation of the entire banner of the company has been significantly improved.

By the end of December, the total income of the whole banner was 26.12 million yuan, an increase of 4.28 million yuan over the same period of last year.

6. The work in the peak season has achieved early planning, early implementation, and early action. In the work of the peak season this year, we closely followed the characteristics of the changes in the market economy. Various agencies adopted various effective measures to help farmers contact merchants, sell food to withdraw funds and win the understanding, support and cooperation of local party and government to ensure the task of the peak season. achieve. First, pay attention to methods in the work, attack the difficulties, grasp the general, do the next household, drive a piece, form a good atmosphere of collecting loans in a region, and then focus on manpower to break through, thus promoting the smooth development of the entire peak season. Second, clear tasks, clear tasks, and clear responsibilities; third, continue to increase the intensity of assessments, so that rewards and punishments are clear. This year's peak season association is still in accordance with the assessment plan at the beginning of the year, and the percentage system is still being tested in the peak season. According to the plan formulated at the beginning of the year, the association decomposes and implements the tasks and strictly evaluates the quotas. The fourth is to take incentives and rewards. Lazy rewards for outstanding achievements in accomplishing various work goals: 1 reward; 2 first; 3 according to the policy, the unit legal person is given a first-level reward salary. If there are no specific objective reasons for the completion of each target: (1) A yellow card warning to the person in charge of the unit, and ordered to complete the deadline, and the waiting period is not completed, and only 300 yuan of living expenses will be paid during the waiting period; (2) heavy punishment; (3) disqualification (4) Notification of criticism within the system; Fifth, it is divided into three phases in the specific practice: the first phase is from August 1 to October 1, and is the peak season investigation, issuing the collection notice work; the second phase organization Clearing the harvest, grasping the difficulties, and focusing on the work. That is, from October 1st to the end of November 1st, for some key households, the big households have taken the necessary means to collect them, and they have played the role of one household and one, and concentrated human resources in difficult places. With the help of legal and social forces to carry out the collection; the third stage of comprehensive attack, consolidate the stage of the fruit. That is, from November 1 to December 31, during this period, the employees of the quotas organized a comprehensive attack, and they went to the village to see the households and income sources. The cash was mainly collected and achieved good results. Six is ​​strict discipline to ensure the work of the peak season. During the peak season, employees are not allowed to take time off. In special circumstances, employee leave must be approved by the office of the Associated Office, and the director’s leave must be approved by the Leading Group of the Associated Press, cancel the Sunday, and extend the business hours. During the peak season, do not listen to the command and do not work. The director of the quota agency has the right to stop work, and does not allow employees to do business, gamble, alcoholism, and is not allowed to make advance receipts and prepaid falsifications.

By adopting the above measures, through the joint efforts of all the partners, the four major economic indicators of the entire banner, in addition to the completion of the deposit regulations of the municipal bureau, 93.8%, the other completed the city board approval plan.

6. Strengthen audit and auditing efforts to ensure the smooth development of various social security work

This year, the Associated Press increased its internal auditing efforts, starting from basic work, credit, and finance, and carried out audit work in a comprehensive and systematic manner. First, the audit of the annual final accounts was carried out. The audit department conducted a careful and meticulous audit of the 27 final accounts of the 27-year-old company under the jurisdiction of the whole flag. Second, it carried out the cash management of the grassroots quota society, the implementation of the credit asset management interest rate, and the cost-disbursement. Special audit; third, off-site audit of all kinds of statements; fourth, auditing the outgoing director, and handling the problems found. Through the audit of the audit department, the obstacles have been cleared for the smooth development of the business of the entire banner.

7. Strengthen safety and security work to ensure the smooth development of all work

Safety and security work is the premise of doing other work well. According to the current security situation, the company has mainly arrested it in the first half of the year.

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