Credit union work summary

Article 1:

Since the beginning of this year, with the correct leadership of the County Associated Press and the care and support of the local government, our company has conscientiously implemented the spirit of the work conferences of the provincial and county rural credit cooperatives, focusing on the objectives and tasks set by the Associated Press at the beginning of the year, guided by the scientific development concept. With the business as the center and the service of “agriculture, rural areas and farmers” as the tenet, focusing on the collection of non-performing loans, through the hard work of all employees, we have achieved steady growth in various deposits, remarkable results in credit marketing, breakthroughs in revitalization, and interest. The good results of the new high income, the summary of the work in the past year is as follows:

First, the completion of the target task:

By the end of December 2019, the balance of various deposits of our company was 10,000 yuan, a net increase of 10,000 yuan compared with the beginning of the year, and the percentage of the annual plan was completed; the annual XXX music card was issued, and the annual plan was completed; For the 10,000 yuan, the annual decline of 10,000 yuan; the five-grade classified bad balance of the loan is 10,000 yuan, the annual net reduction of 10,000 yuan, the completion of the annual plan; the annual realization of interest income of 40,000 yuan, the completion of the annual plan; The bill replacement loan recovered 10,000 yuan and completed the annual plan.

Second, the main work measures:

1. Consolidate the foundation to catch deposits. First, plan and implement it as soon as possible. In order to do a good job in organizing funds, we will plan early, clear goals, decompose tasks, formulate measures, and implement them. The second is to strengthen publicity and expand the influence. Investing hundreds of thousands of yuan, renovating and renovating our business outlets, unifying the logo, beautifying the environment, replacing the facilities, and hanging banners, advertising, and leaflets in the streets and traffic lanes. Propaganda, show strength, and expand influence. The third is to improve services and improve efficiency. With the organization and assistance of the Associated Press, our agency began to implement the teller system in March. In combination with the actual situation, the business hours were adjusted in time to meet the needs of customers and improve service quality and efficiency. The fourth is to capture information and increase its share. Faced with the unfavorable situation of slow growth of our society's deposits throughout the year, we are not waiting for self-improvement, researching countermeasures, catching information, going to Baoji, running Xi'an, and organizing 22 low-cost deposits for more than 3.5 million yuan. The fifth is to capture the card and promote the quality of the card. In addition to timely organizing personnel to publicize and mobilize the "XX card" and "XXX card", and dispatch tasks on a post-to-post basis, we also do a good job in issuing cards for migrant workers, college students, and individual industrial and commercial households. 6. Innovation mechanism and performance appraisal. In order to mobilize the enthusiasm of employees, and reflect the principle of distribution according to work and more work, in the fourth quarter, our company implemented the method of assessing the amount of business, and the speed of counter business and customer satisfaction rate increased significantly.

2. Change the concept of marketing. The first is to extend the service connotation and strengthen the basic work. In order to truly solve the problem of unreliable credit rating and unsuccessful loan placement, according to the arrangement of the association, our company timely organized the construction of credit personnel around the credit project, and filled out the household survey form by door-to-door, and sent the convenience contact card and The open letter of the people of the county, understand the needs of funds, touch the bottom of the assets, and consolidate the rural positions. According to the “Measures for the Control of Credit Risks of Legal Persons of Rural Cooperative Financial Institutions in Rural Areas of XX Province”, the credit officers were organized to carry out credit rating for 3 enterprises within the jurisdiction, and XX cards were issued to 124 selected high-quality farmers without bad credit records. The credit was granted, the approval process was reduced, the work efficiency was improved, and a group of reputable quality customers were trained. The second is to do a good job in loan marketing. According to the "Measures for the Administration of Marketing Loan for Employees of Rural Credit Cooperatives of XX County", under the circumstance of avoiding risks and improving procedures, all employees of our company have sold a total of 18 yuan of 1.13 million yuan. The third is to hold a silver enterprise forum. In the month of January, our society held a forum of leaders of villages and towns, representatives of village groups, representatives of small and medium-sized enterprises and representatives of villagers, solicited opinions and suggestions from all walks of life on the work of credit support for agriculture, and publicized the various businesses of credit unions. The exchange of information between banks and enterprises has been strengthened, and mutual understanding and trust have been deepened, which has laid a good foundation for the credit work of our society. The fourth is to expand the coverage of small-scale agricultural loans. In order to actively support local economic development, expand and improve the small-scale agricultural loan brand, expand the coverage of small-scale agricultural loans, and improve the credit line, simplify loan procedures, reduce approval procedures, and shorten customer waiting time, etc. on the basis of reviewing the credit rating of farmers. Measures to increase the intensity of small loans to farmers. By the end of December, a total of 419 small-scale agricultural loans had been issued for 10.98 million yuan, an increase of 6.2 million yuan in the same year. The fifth is to implement credit tilt and support advantageous industries to become bigger and stronger. While continuing to support the development of traditional agriculture, our agency will adjust the credit structure in a timely manner based on the actual conditions of the jurisdiction, broaden the scope of business, and increase the construction decoration, brick and tile manufacturing, sporting goods, pig breeding, food trafficking, The credit investment of large-scale pigs, agricultural enterprises, private enterprises and small and medium-sized enterprises, such as pig iron casting, has gradually formed a fixed business customer group while satisfying the needs of different credit businesses of customers. At the same time, it actively supports private enterprises such as XX Decoration, XX Sports and XX Foundry to expand production scale and improve economic efficiency. A total of 582 loans of 28.44 million yuan were issued throughout the year, which strongly supported the development of farmers' wealth and the town economy.

3, both eyes inward to catch a live. The first is to formulate plans and clarify goals. At the beginning of the year, according to the clearing task issued by the Associated Press, according to the situation of non-performing loans, our company timely formulated the 2019 clearing work plan, and set up a clearing and leading group and clearing detachment, and timely clearing the task and clearing The target is implemented to the relevant position and responsible person. Second, pay close attention to overdue loans, list plans for loans due in the current month, clear targets, contract to people, and recover early, completely changing the bad habits of not collecting at the beginning of the month and engaging in surprises at the end of the month. A loan for new loans was not processed throughout the year, which not only cultivated a sense of customer integrity, but also laid the foundation for the clearing of non-performing loans throughout the year. The third is to strengthen the assessment and strictly reward and punishment. For each non-performing loan recovered, according to the collection and reward policy of who received it, the monthly assessment and the quarterly cash, fully mobilized the enthusiasm of the entire staff. The fourth is to carry out a “100-day competition” campaign for the collection of non-performing loans. In addition to the fair and reasonable decomposition of the collection task and the consolidation of the responsibility for collection, we have determined that the director has seized large households, the loan officers have seized small households, attacked the small squad, and arrested the “nail households” and “little households”. According to the difficulty level, the collection strategy is easy to collect and easy to collect. The activity recovered a total of 3.49 million yuan of non-performing loans and completed 136% of the tasks. It is located in the second county of the county. The affiliates not only forwarded the practice of our company in XX, but also commended and rewarded our company. When XX Hospital was preparing to build a hospital, it borrowed 9.98 million yuan from the company. Due to various reasons, it lost money and owed more than 1 million yuan in interest. It has become a suspicious loan. In order to smash this hard bone, our company has held several meetings to study the collection strategy. In the case of the legal person hiding from the scene, the director of the society personally started to work with the clearing squad to take turns to take turns, to guard against the squad, to hang on to death, and to negotiate with him many times. When we learned that the hospital was obstructing the sale of real estate, our agency adjusted the collection ideas in time to help them find the association, run the land, find the city, and do their best to clear all kinds of relationships and help with all the formalities. Subsequently, it handled a mortgage loan of 1.82 million yuan for 32 households. Finally, sincerely moved the legal person of the hospital, Wang, to return the loan of 9.98 million yuan, the principal and interest of 1.677 million yuan. Through collective efforts, internal excavation and outreach, and full-strength attack, the annual cash recovery of five-level non-performing loans was 9.44 million yuan, and the bill replacement loan was repaid 16 yuan of 23,000 yuan, successfully completing the net non-performing loan task for the whole year.

4, based on the initiative to catch interest. In order to do a good job of collecting interest, at the beginning of the year, according to the loan balance, the people will be tasked with, and the credit officers will be required to calculate the time account and the task account. The progress will be announced on a monthly basis, and the evaluation will be conducted on a quarterly basis to fully mobilize the enthusiasm of the employees for collecting interest. The second is to implement an automatic interest deduction system for all new loans issued this year. Third, continue to adhere to the enterprise, individual industrial and commercial households with loans of more than 100,000 yuan will be settled on a monthly basis, and farmers' loans will be settled on a quarterly basis, so that time and tasks are synchronized. Fourth, the interest rate for non-performing loans is required to clear the squad to carry out “pen and pen” activities, and strive to keep the village from leaking, and the households are not leaking, ensuring that the door-to-door collection reaches 100%. The fifth is to carry out centralized public relations and assault collection strategies for large-value under-interest households, hard-to-hold households, and nail households, and do not give interest without withdrawing troops. Sixth, for long-term outside, long-term interest in the household, through the search for relatives, find friends, explore information, travel, call and other measures to persuade them to return the principal and interest. Due to the proper method and effective measures, our company recovered interest of 4.926 million yuan for the whole year and completed 176.7% of the project.

5. Strengthen security and preventive measures. The first is to strengthen the education on the safety situation of employees. Organize employees to seriously study case notifications, enhance their sense of urgency and sense of responsibility, urgency, establish a safe and trivial idea, overcome numbness and luck, effectively raise awareness of prevention, and build a “dam” for safety precautions. Second, educate employees to conscientiously implement the rules and regulations, standardize the operation process, adhere to the use of anti-tailing linkage doors according to regulations, conduct safety inspection and reception according to regulations, strictly prohibit illegal operation, and eliminate operational risks from the source. The third is strict duty discipline and the duty of duty. On the basis of listening to the opinions of the employees, the duty and staying system were re-edited, and the duty and shifting tasks were further clarified, and the safety responsibility was implemented. The fourth is to formulate and improve the anti-grab, anti-theft, fire prevention, anti-riot plan, and organize employees to conduct drills, especially during the renovation of the business outlets, the company determined that an employee acts as a safety inspector, increasing the frequency of security inspections, The existing hidden dangers and problems have been dealt with in a timely manner, effectively preventing and eliminating hidden dangers, thus realizing the safety operation of our company throughout the year without accidents.

6, people-oriented and promote harmony. In business operations, a team that is united, collaborative, cohesive, cohesive and centripetal is capable of combat. In order to build a harmonious society and embody humanistic care and humanized management, our society regularly holds staff talks, discusses work, exchanges views, understands life, cares about learning, listens to opinions, and improves management. On the basis of comprehensive staff recommendations, The staff quarters were painted, and ceiling fans and cable TVs were installed. Gas stoves, induction cookers, electric cakes, and dining tables were added to the staff. The courtyard was repaired and hardened, and basketball clubs were purchased. By improving working conditions, beautifying the business environment, fully let employees feel the warmth and care of the big family, close the distance between leaders and employees, and enhance the collective sense of identity and belonging of employees. The employees enthusiastically participated in the 38th Women's Day Cultural Performance and the 12th Business Technology Competition, and achieved good results and won honors for our company.

7. Risk prevention and compliance. First, earnestly carry out special self-examination of imposter loans. In order to fully understand and grasp the true situation of the stock loan quality of our company in the first half of 2019, stop and correct the violations in the credit work, standardize the loan operation procedures, and reduce the loan risk. According to the requirements of the association, our company carefully deployed and carefully arranged In the past four months, the company’s stock loans at the end of the first half of 2019 were checked and checked, and 45 impersonation loans were found to be 238,500 yuan. The second is to conduct in-depth self-examination of legal compliance operations. In order to completely eliminate the hidden dangers of the case, promote legal compliance and management, and achieve sustainable and healthy development, in accordance with the lawful compliance inspection requirements of the provincial associations and the county inspection agency's legal compliance management plan, the agency actively promotes credit business and assets. Risk classification, financial accounting and management, audit and audit rectification, security, case prevention and monitoring, and scientific and technological information were self-examined, and the problems exposed in the self-examination were actively rectified. The third is to do a good job in the investigation of case risks. According to the implementation plan of the risk investigation of the affiliated cases, our company has determined the special person, the division of labor is responsible for the quarterly, self-examination of various loans, large deposits, account management, seal management, heavy-duty management, and the investigation work as a daily routine. Work, establish a rolling normalization inspection mechanism to eliminate risk hazards in the bud.

In short, in the past year, with the joint efforts of all the staff, although the work has achieved certain results, there are still some problems: First, the growth of savings deposits is not strong, and the work of organizing funds needs to be strengthened; The system needs to be further improved; third, credit management needs to be strengthened and improved; fourth, the overall quality of employees needs to be further improved. To this end, in 2019, our society will conscientiously implement the spirit of the Fourth Plenary Session of the 17th CPC Central Committee and the Central Economic Work Conference, take the scientific development concept as a guide, take business measures as the center, add measures, encourage, be aggressive, and unite. One heart, it is difficult to overcome difficulties, strive to successfully complete all the objectives and tasks, and make new and greater contributions to the county economic development and the comprehensive construction of a harmonious well-off society.

Article 2:

Since the beginning of this year, the rural credit cooperatives in xx provinces of xx province have fully implemented the scientific development concept, fully exerted the role of the main force of rural finance, and actively participated in the reform, which has promoted the economic and social development of the city and its own development. At the end of April, various deposits were xx million yuan, an increase of xx million yuan over the beginning of the year, accounting for xx% of the total deposits of seven financial institutions in the city; the balance of various loans was xx million yuan, an increase of xx million yuan over the beginning of the year, an increase of 40%, accounting for the city. Xx% of the total loans of 7 financial institutions; the ratio of deposits and loans is xx%, which is xx percentage points higher than the ratio of comprehensive deposits and loans of financial institutions in the city; cumulative loans of xx million yuan, an increase of xx million yuan over the same period, complete the annual loans Xx% of the planned investment, accounting for xx% of the city's financial institutions. Among them: XXX million yuan for agricultural loans, accounting for xx% of all loans, xx million yuan more than the same period; xx million yuan for SME loans, xx million yuan over the same period; XXX million yuan for individual industrial and commercial households The increase of xx million yuan in the same period. The non-performing loans were xx million yuan, and the proportion of non-performing loans was xx% after considering the replacement factor, which was xx percentage points lower than the beginning of the year. The realized income was xx million yuan, an increase of xx million yuan over the same period of last year, and the operating loss was xx million yuan. The loss was xx million yuan compared with the same period of last year, and the loss reduction rate was xx%. Their approach is:

First, establish development ideas according to their own characteristics

How to gradually establish a credit cooperative as a community-based local financial institution that is invested by farmers, rural industrial and commercial households and various economic organizations to serve farmers, agriculture and rural economic development. How to give full play to the role and link of the rural financial main force of rural credit cooperatives? The role of farmers' financial ties, better support the adjustment of rural economic structure, and promote the coordinated development of urban and rural economy? The city credit unions carefully analyze their own characteristics and advantages. They believe that the difference between credit unions and other commercial banks is that it is A banking institution with independent legal personality; it is a typical local bank, close to private enterprises, close to the public, close to the three rural areas, and has a wide range of points. Compared with other financial institutions, their information is more symmetrical, easy to communicate and easy to serve. At the same time, in the past, due to various reasons, the credit union funds were heavily burdened and the development was not fast enough. The economy determines the financial and financial reactionary economy. At present, with the economic development of xx entering the fast lane, local financial development should of course enter the fast lane. In light of the fact that the past business philosophy is vague, conservative and even swaying, the City Association is determined not to relax development, to seize development opportunities, to adhere to the norms of development, and to develop in the norm. While developing and standardizing, we will develop while standardizing. The main focus is on “agriculture, rural areas and farmers” and small and medium-sized enterprises in the city. It is clear that the general towns and villages support the "three rural", and the industrial towns such as Jing, Yue and Soap mainly support small and medium-sized enterprises and individual industrial and commercial households. Give full play to its own advantages and achieve a win-win situation for social enterprises and farmers.

Second, taking the support of agriculture as the responsibility, and efforts to promote the expansion of small-scale agricultural loans

First, strict requirements for supporting agriculture. In response to the "small agricultural loan saturation theory" and "small agricultural loan loss theory" in some credit cooperatives, the municipal association reaffirmed that "the credit rating level and the credit demand satisfaction rate of the licensed farmers must reach 100%" Double hundred" policy. And put forward four "unwavering" for the grassroots social support work: strictly follow the general idea of ​​"expansion expansion, incremental speed increase, and strive for high efficiency"; strictly follow "enlarge the horizon, extend the tentacles, take the initiative to attack, and attract customers to enter the door." "The marketing strategy is unwavering; strictly follow the "hard work, resolute, responsible, pioneering and enterprising" work style; strictly follow the "Lianshe leadership package, middle-level cadre package, credit staff Baocun package and Baobao collection" work Responsibility is not shaken. We have conscientiously formulated measures for the evaluation of credit support for agriculture, so that the production of spring ploughing and ploughing production is early, the investment is sufficient, and the investment is wide, laying the foundation for the completion of the task of agricultural loans. In the first quarter, the whole society surveyed xx million households, established xx million households' economic archives, and the survey reached 100%; assessed xx million credit households and issued xx million rural household loan certificates, including xx million first-class credit farmers, and farmers' loans. The total amount of the certificate is xx million yuan.

2. Strengthening the foundation of agriculture. In order to implement the relevant requirements of the government's “strengthening financial and ecological construction, improving the social credit system” and “continuously increasing the credit support for agriculture and accelerating the process of agricultural industrialization”, they first continued to build rural credit projects. In the first quarter, the city selected 21 credit towns and 85 credit villages, accounting for 75% and 11% of the number of townships and villages respectively. Second, continue to implement the management of rural household loan certificates. Implement the “one-time approval, use-as-you-go, balance control, and turnover-use” credit management method, and the holders of the licenses to apply for loans within the credit line can simply go to the credit union outlets with the “two certificates and one chapter”. It is as convenient as a current passbook. The third is to continue to implement the microfinance extension management approach. The farmer's joint guarantee loan was opened to meet the needs of large-scale loan households. Only one credit agency of Duobao issued nearly 200 joint guarantee loans this year, amounting to nearly xx million yuan.

3. Enlarge the effect of supporting agriculture. The first is to support "advantageous industries." Implement the “famous brand strategy”, promote the regionalization of agriculture, large-scale production, and industrialization, and form an industrial sector with characteristics of the town, strong villages, and household expertise. For example, support the development of vegetables in Zhanggang Town, Xiaoban Town and Yanglin Office, mulch peanuts and rapeseed in Duobao Town Innovation Village, golden melon and day lily in Wanchang Village of Huangtan Town, and mulberry sericulture in Yuekou Town , pigs, high-quality rice in Shihe Town, cotton in the town, and three-dimensional breeding in Hushi Town have formed a new economic growth point in rural areas. The second is to support "advantageous enterprises." Implementing the “Famous Enterprise Strategy”, focusing on supporting the “Nong” brand leading enterprises with large scale, good reputation and good development potential, and producing high value-added agricultural products and deep processing of agricultural products, and implementing “one-time approval and sub-distribution, The credit management method of “recovering due and re-investing effectively” has prompted the company to further develop and grow. At present, the whole society supports the development of 138 agricultural and sideline products processing enterprises, including one national leading enterprise and two provincial leading enterprises. The third is to support "advantageous products." Implementing the “Famous Brand Strategy”, the salad oil produced by Yuekou Town Health Hefu Oil Co., Ltd. supported by the Credit Union, the Yangchang Sauce of Yushui Town, the “Golden” brand tomato of Xiaoban Town, and the “Heyu” Cauliflower of Zhanggang Town More than 10 products have entered the supermarkets in large and medium cities such as Wuhan. Zhanggang’s “He Yu” brand cauliflower is sold well throughout the country and exported to Russia and other countries. The fourth is to support "quality customers." Implement the “Golden Customer” strategy, and regard individual industrial and commercial enterprises and private enterprises engaged in the cultivation and transportation of agricultural products as long-term partners to achieve a win-win situation for social enterprises.

4. Form a mechanism for supporting agriculture. The first is to establish and improve the system of working contact points. It is clear that the leading enterprises involved in agriculture - xx City Yongkang Oil Chemical Co., Ltd. and Duobao Innovation Village, Hu Cao Li Village, Yujiao Wangwan Village, Zhanggang Penghu Village, Xiaoban Fanling Village, etc. The team supported the demonstration sites and asked the various societies to set up demonstration sites for supporting agriculture. The contact points all over the city have become the information points for credit cooperatives to understand the basic situation of the countryside. They have become the model point for the construction of the “double hundred civilizations” in rural areas and have become the driving point for the construction of “credit projects”. The second is to establish and improve the “three hundred excellent” selection and incentive system. The third is to establish and improve the "three investigations" system. Adhere to the risk of preventing loan first, and after the loan is issued, each loan will insist on filling out the “three check” record book. For the agriculture-related loans of more than 10,000 yuan, we will continue to pay interest on a monthly basis and participate in the circulation and monitoring of credit funds. The fourth is to establish and improve the regular training system. Strive to cultivate a strong team of loan officers. The fifth is to establish and improve the system of loan officers to the countryside. Among the credit officers, activities such as “Entering 100 Doors, Knowing 100 Things, Warming the Heart”, “Sending Information, Sending Technology, and Sending Projects” were launched. In the rural area of ​​Duobao Town, there is such a song: "Peanuts are pretty, cows are called, cotton flowers are laughing to the sky; locomotives, yellow bags, letter "postman" run; mobile phone ringing, ring tones, a phone call He is allowed to arrive." This has become a true portrayal of the rural credit cooperatives' support for farmers.

Third, broaden the credit field and focus on promoting the expansion of private enterprises

Focusing on industrial planning, we will support private enterprises as an entry point for broadening the credit work field, and focus on supporting companies with reasonable shareholding structure, perfect corporate governance, good financial status, standardized company management and development prospects, and achieve a win-win situation for social enterprises. ".

1. Change ideas, innovate, and establish a "modern enterprise" concept. Four changes have been implemented in the credit business: from single support for traditional agriculture to support for scale agriculture, from supporting farmers to supporting “company + farmer” private enterprises, from supporting agriculture to agriculture-related industries, from decentralized use and extensive management. Credit funds have shifted to moderate concentration and efficiency.

2. In-depth investigation, segmentation of customers, and identify the “support point” for credit. Through investigation, it has selective support for private enterprises. At the same time, it divides the supported customers, divides key customers, generally supports customers, and tries to support customers. Based on this, it divides the loan distribution amount. At present, there are x private enterprises that can express loans of more than xx million yuan, and x private enterprises with xx million yuan of loans, and 34 of xx million yuan. For the old customers who have focused on support xx oil, xx cotton, xx polished rice, xx grease, xx yarn, and other nearly private enterprises, in the first quarter of 2006, the loan has been nearly xx million yuan; this year, the credit union supports new The company has Jinjun Garment, Tianming Pump, Narita Pharmaceutical, and New Oriental Real Estate. In addition, 12 companies have entered the credit review and approval process.

3. Strict evaluation and timely credit. In order to grasp the production and operation of private enterprises, the municipal association requires analysis from eight aspects of the integrity, moral hazard, management ability, asset status and capital flow of private enterprises. According to the analysis, the relevant indicators of private enterprises are quantified and scored item by item. The score is 80 points or more for the support households, and the above 90 points are the key support households. At the same time, the credit is granted, the maximum loan limit is approved, and one approval is adopted. The use of turnover has simplified the loan procedures and solved the funding gap of private enterprises in a timely manner. From xx to xx in April, the city's rural credit cooperatives have carried out credit rating and credit granting for xx private enterprises, and have issued loans of xx million yuan to cultivate a group of gold customers. For example, xx Cotton & Maize Co., Ltd. established a credit relationship with the credit cooperatives in 2002, and issued loans of xx million yuan in the same year. The output value at the end of the year has doubled over the previous year. In the second year, the credit union issued loans of xx million yuan. Its production scale and output. The output value and profit have been improved rapidly. The household also purchased xx mu of land in Wangchang Town and built a garden-style production plant. In 2004-xx, the credit cooperatives issued loans of xx million yuan to the company. Currently, The company's annual output value of more than xx million yuan, profits and taxes more than xx million yuan, the production scale ranks in the forefront of the same industry in the province.

4. Flexible and optimized services. First, a credit marketing department was set up to provide open credit services to citizens, individual industrial and commercial households, and small and medium-sized enterprises to support urban economic development. Second, limited time services were implemented. The city association stipulates that: the liquidity loan shall be settled within 14 days from the acceptance to the decision whether the payment is made within 14 days; the fixed-asset loan shall not be completed within one month; the small-value pledge loan shall not be completed within 7 days; The loan will be 2 times a week; the third is flexible service. Cooperate with the guarantee company to provide secured loans to SMEs with development potential and temporarily unable to provide effective collateral. At the same time, pay attention to the analysis of corporate credit and market prospects, emphasizing the source of the first repayment. For some gold customers, especially old customers, after the increase in capital demand, some credit loans can be issued; the fourth is to increase the proportion of mortgage loans. For secured mortgage loans, the estimated value is calculated from the original 50%, and the movable property is increased from the original 30% to 70% and 50% respectively; The differential interest rate is based on the customer's credit rating and the industry and loan size. Gold customers with high credit ratings will not exceed 50% on the basis of the benchmark interest rate, and the general rise in credit conditions will not exceed 50%-100%.

5. Strengthen management to ensure full operation. In order to strengthen the management of private enterprise loans and avoid loan risks, the Municipal Association has specially formulated the management measures for private enterprise loans. First, the “one household, one society” is stipulated, and the borrower chooses the credit union and the credit cooperative to choose the borrower. One borrower can only open an account in a credit union, avoiding the phenomenon of a multi-library loan; For private enterprise loans approved for examination and approval, the credit cooperatives must carefully fill out the loan investigation and form an investigation report to ensure that the content is true and complete, and the elements are complete. If the loan information is incomplete and the investigation report is not detailed, the municipal association will return it; It is the municipal association responsible for reviewing the loan for review and signing the review opinion, and submitting it to the review committee for review and timely issuing the approval; fourth, after the credit agency receives the loan approval, it strictly handles the loan issuance procedures in accordance with the requirements. Those who apply for approval and fail to complete the relevant procedures in accordance with the approval shall be punished according to the illegal lending; the fifth is to improve the credit file information of private enterprises. The loan officers must conduct post-loan inspections of private enterprises every quarter. The municipal associations check the large loans every half year. Forming inspection materials, feedback risk issues, [Lianshan courseware] carefully sorting and improving the files, and found that the lack of files or archives is incomplete, Those who are responsible be punished.

6. Strengthen communication and create an interactive atmosphere. The Association holds regular private enterprise talks every year to discuss issues such as how to implement commitments, strengthen cooperation, and achieve common development of social enterprises, deepen mutual understanding between social enterprises and social relations. Xx grease is a provincial-level leading industrialized enterprise in xx city. The credit cooperatives started from the actual situation and supported the loan of xx yuan in xx years. In April this year, the project was reported to the provincial association for xx million yuan.

With the timely transformation of business ideas, the continuous deepening of internal reforms, the rapid development of various businesses, and the gradual implementation of support policies at all levels of government, the rural credit cooperatives of xx City have basically got rid of the passive situation for many years, and it is expected that by the end of this year. It can turn losses into profits in one fell swoop, and its development prospects are bright.

Article 3:

Since the beginning of this year, under the correct leadership of the Municipal Office and the local party and government, our county association has taken the "three represents" as the guide, and has expanded its strength, turned losses into gains, and increased internal management, optimized asset structure, and resolution. Financial risks have comprehensively improved the management and management level of credit cooperatives, and various tasks have made good progress.

I. Completion of various objectives

(1) Business objectives

At the end of December, the balance of various deposits was 542.93 million yuan, an increase of 63.67 million yuan from the beginning of the year, and 106% of the city's 60 million yuan plan was completed.

2. The balance of the share capital was 25.06 million yuan, an increase of 8.51 million yuan from the beginning of the year, and 112% of the plan of the city office of 7.6 million yuan was completed.

3. At the end of December, the balance of various loans was 418.82 million yuan, an increase of 50.30 million yuan from the beginning of the year, and the plan for the city's 50 million yuan was completed. Among them, the new agricultural loan was 43.71 million yuan, accounting for 87.4% of the new loans.

4. At the end of December, the balance of non-performing loans was 179.5 million yuan, down 13 million yuan from the beginning of the year, accounting for 104% of the city's plan of 12.5 million yuan. Non-performing loans decreased by 9.38 percentage points compared with the beginning of the year, which was 9.26 percentage points lower than that of the municipal government. More than 0.12 percentage points.

(2) Financial management objectives

1. At the end of December, the county credit cooperatives realized an operating income of 21.13 million yuan, operating expenses and taxes of 224.8 million yuan, and a loss of 1.35 million yuan.

2. Among the 13 legal person associations in the county, 7 credit unions realized a surplus, and 6 credit unions suffered losses, with a loss of 46.2%, completing the municipal office plan.

3. The comprehensive expenses at the end of the year amounted to 6.09 million yuan, and the comprehensive expense ratio reached 29.3%. Both the cost and the expense rate were controlled within the regulations of the municipal office.

4. The annual interest income was 16.78 million yuan, and the income rate of 100 yuan was 4.2%.

(3) Internal management objectives

1. Safe operation objectives, no safety cases occurred throughout the year, and safety operations were realized without accidents.

2. Reported 33 papers of the Municipal Office's "Newsletter" throughout the year, and published 31 articles in newspapers and periodicals above the provincial level, including 9 theoretical research articles, which successfully completed the annual tasks of the Municipal Office.

Second, the main practice

(1) Unswervingly grasping the deposit work, the credit union's financial strength has been significantly improved.

In the past year, under the correct leadership of the party committee of the association, the county's cadres and workers have united and worked hard, making the growth of various deposits the highest record ever recorded in our county. By the end of December, the county's deposits increased by 63.67 million yuan, an increase of 36.52 million yuan compared with the 2002 best deposits in history.

It is no accident that such achievements are achieved. Under the circumstance of slow economic growth and fierce competition in the same industry, the cadres and workers of the county carried forward the entrepreneurial spirit of “liberating the mind, seeking truth from facts, advancing with the times, and supernormal development”, creating an extraordinary work. recording.

The deposit work in 2019 was the most energy-consuming year for the party committee. First, start early, plan carefully, and build a “high platform” for deposits. At the 2019 work conference, the Associated Press took the deposit work as the top priority of all work, put forward the slogan "Deposit is the first priority", and formulated detailed work ideas on how to do a good job in deposits. All the societies are required to take measures such as strengthening organizational leadership, focusing on publicity services, establishing a high-quality customer base, and improving the incentive mechanism. The deposit work is focused on the big goals, starting from the nuances, breaking through the big customers, and developing from the full staff. The deposit work is done in a fine manner; the second is to assess the situation and always take the deposit "bovine nose". In response to the trend of deposits in the county, the party committee of the association has held special meetings and actively took countermeasures to come up with plans to ensure that deposits operate according to the planned orbit. Due to the “individual differences” in the deposit work of various social organizations, the party committee of the association regularly finds the weak links in the operation of the credit cooperatives, and finds out the weak links in their operations. It is a matter of ideological style. It immediately rectifies the employees' thinking and recognizes the employees. Unification to the work of deposits; if the management is not in place, the leaders of the society are required to clarify their ideas in a timely manner, strengthen management, and make the employees think in one place and go to one place; if the measures are not clear, they need to re-establish the assessment methods. The mobilization of all employees to seize the enthusiasm of the deposit ..... decisive and effective supervision, to ensure the effective growth of deposits; the third is to slash the package, for their own "pressure". At the beginning of the year, the members of the party committee of the association paid a package of the county credit cooperatives and issued a package plan. In the past year, members of the party committee have "going to the countryside every week, going to the countryside to pay for deposits", and taking deposit work as the "lifeline" of 2019. In order to set off a climax of all employees, the members of the party committee are the first to take the lead, to be the vanguard, and to lead the employees to carry out deposit work with practical actions.