2014 Rural Credit Society Work Summary

Article 1:

Xx Rural Credits Department Sales Department is located in the lot, with a business area of ​​square meters, the name of the employee, the average age is the age of the employee, including the number of employees under 35 years old, accounting for the total number of employees, the head of the business department is one year old, is a young and energetic, energetic Advanced youth groups. There are three sets of external business counters under the sales department, which implement integrated teller system management. With dedicated service, advanced facilities, high-quality personnel, scientific management, and a youthful atmosphere, the company is well received by local customers at all levels. In the increasingly fiercely competitive financial environment, how to fully mobilize the enthusiasm of young workers, steadily and upwardly seize the market, and broaden their market share has become the top priority of the work of the Dutang Social Whole Society.

Promoting quality services and striving for a youth civilization demonstration post is the primary condition and important guarantee for the company to strengthen its own strength and actively participate in market competition. At the beginning of the year, the leaders of the association, the league branch, and the trade union once again called on all young employees to implement quality service activities such as “smile service, standing service”. Improve the quality of service and striving for a youth civilization demonstration post. And through the implementation of various forms of services to strengthen service quality, improve service attitudes, and effectively create a good environment for the reform and development of rural quota society. Through the office meeting of the director of the association, the work objectives of “civilization and city-level operation, and efficiency-effectiveness” were determined, and corresponding work plans were formulated, which were guided by the heads of the sales department and the branch of the association, and they were consistent and consistent. Efforts, the mental outlook of the cadres and staff of the sales department, work enthusiasm, and business performance have been further improved. Since the establishment of the “District Youth Civilization” in the business department of Dutang, the majority of young employees have established the “Youth Civilization” under the direct leadership of the Party Branch of the Association and with the support of the Youth League and the Trade Union. The spirit goes deep into each counter and goes deep into the minds of every young employee. Everyone takes the society as their home, takes pride in their hardships, and devote themselves to this activity with high standards and strict requirements. At the same time, the slogan "Youth Civilization" is taken as the fundamental point for us to serve our society and serve the society. Consciously abide by the relevant laws and regulations and operating procedures, to achieve service standards, excellent quality, 365 days of enthusiasm for customers, with a young enthusiasm to bring customers a youthful atmosphere. Really realize the importance of customers for the development of the company's business, create conditions of service according to local conditions, make customers happy, come back with satisfaction, and make extraordinary achievements in ordinary work. In the past three years, we have made great progress in all aspects of the work of the sales department. Whether it is the development of employees' own factors or the improvement of internal management, it can be said that this year is a fruitful year for us to create a "city-level youth civilization", and it is also a year full of hope.

First, determine the target, the leader is in charge

We took the director of the society as the team leader, the deputy director as the deputy team leader, and other youth representatives and other youth representatives set up the Youth Civilization Leading Group for the team members. The group fully carried forward the fine style of the past years and reorganized the work of last year. Affirmed the results of last year and found out the shortcomings. In response to these circumstances, we will carefully study a series of standards and related systems for the establishment of the "Youth Civilization", re-establish clear targets and standards, and convene a mobilization meeting. In order to meet this activity, the Youth League Branch carried out "responsibility and youth, what can I do in the group" among all the young employees--to create a "Youth Civilization" democratic life meeting. During the meeting, all the staff members spoke to their own The strengths come to position themselves, and the leaders of the association will implement this democratic life as the basis for this year's fixed-term staff. Under the circumstance of busy work, the leaders of the Associated Press have never forgotten to make the activity of “Youth Civilization” an important center of the work of the whole society. They are always concerned about the progress, care for the young employees, and make the event a smooth development. Guarantee.

Second, improve the quality of learning, teaching and teaching

The ethics of professional ethics is the foundation of our ability to serve our society. Its quality is directly related to the rise and fall of our quota cooperatives. In May of this year, our sales department arranged a special study activity for “maintaining the advanced nature of the Communist Party” among all employees for half a year. The majority of young employees overcome family difficulties, leave behind young children, and some continue to participate in the disease, which fully reflects the majority of young employees to abide by the law and law, love their moral morality and ideological realm. During this period, we waited for every young employee to participate in the democratic life meeting of “Dedication, Law, and Law-abiding”. The content is mainly the experience of everyone and the personal experience. In recent years, cases of financial crimes have been used to take advantage of their duties. This is entirely due to the loss of professional ethics of some people, advocating money worship, and arrogance and enjoyment. Therefore, in the majority of young employees, the police always beat the alarm clock, focus on education, focus on prevention, prevent problems, enhance the anti-corruption ability of young employees, seriously carry out legal publicity and education, organize young employees to learn laws and regulations, financial and legal laws and other relevant files, choose Cases of educational significance are analyzed and analyzed, and the root causes of crimes are analyzed and checked. The money worship is truly removed from the mind, the spirit of dedication is cultivated, and young employees are actively encouraged to work in the post and become self-taught. Among the youth, 100% of the employees have obtained the diploma of college or higher. All young employees often use their spare time, practice business skills, compete as business experts, and often carry out a series of business skill competitions, business skills training activities, use of transmission, help With the traditional style of training, young employees, to achieve a division of labor without family, unity and friendship, mutual benefit, the same boat, not let a young employee fall behind, in order to improve the overall quality of the staff throughout the year. In the business skills compliance activities carried out by the rural quota social system in several districts, the young employees of the quota society can be ranked among the best in the second time, and the pass rate is 100%. A large number of elite young people emerged, among the employees of the sales department, the masters of the hand-level abacus Name, which. In addition, many employees use their spare time to submit articles to party and financial newspapers frequently, and have been hired many times.

Third, the management is perfect, the performance is outstanding

In today's fierce competition in the industry, it is especially important to strengthen internal management and establish a fierce and restrictive operating mechanism. We know that our hardware, settlement channels, etc. are not comparable to others, but we must not fall behind in software. If the "Youth Civilization" is not established, it must also meet the requirements of the "Youth Civilization". Therefore, a series of rules and regulations have been formulated. In the ordinary work, strengthen publicity, door-to-door public relations, door-to-door collection, door-to-door lending, high-quality, honest credit, a series of convenient tools in the store; use the spare time to collect money, a total of 10,000 yuan in collection, the collection of counters In the return of the customer's long cash, the amount is more than 1,000 yuan, the exchange of large and small ticket money amount of more than 10,000 yuan, strengthen the cabinet publicity, patiently answer all kinds of financial knowledge for customers, credit staff on-site office, contact feelings, organizational deposits accumulated more than 10,000 Yuan, for the benefit is good, the amount is good, qualified gold customers to lend on the door, a total of loans for customers, the cumulative amount of 10,000 yuan. After our unremitting efforts, up to now, the balance of various deposits has increased by 3.75 million yuan over the same period of last year; the loan balance is 10,000 yuan, and the new loan is 10,000 yuan. The visibility of the sales department in the local area has been greatly improved. A large number of high-profile, well-known gold customers have brought a large number of new customers while consolidating old customers. Our achievements have been recognized not only by the leaders of the higher levels, but also by the leaders of the higher levels. The customer's praise, and the government's affirmation.

Fourth, based on innovation, create success

The rural quota society is faced with a large number of rural customers and its business is very scattered. After many years of work, our company has explored a set of effective work and management methods, that is: based on innovation, starting from the big place, small eyes. Pay attention to a "love" word, base on a "farm" word, grasp a "stable" word, highlight a "strict" word, and embody a "俭" word.

Paying attention to a "love" is to cultivate the noble sentiments of the employees, develop good professional ethics, and stimulate work enthusiasm. At the same time, we must bring "truth" to our customers to be civilized, polite and accurate. At work, we always care about the warmth of our colleagues. Whoever is sick, whose birthday, and who is in a bad mood are all in the heart. For example, an employee who was in poor health and suddenly collapsed to work when he was at work, immediately after the director learned that he had to pay for the staff to send her to the hospital for treatment, and then arranged for the staff to give her a substitute, so that they felt the collective warmth. For the difficult customers, we often bring the loan officer to the door service, send the plan, send the funds, help them solve the difficulties and overcome the difficulties, and win their trust and support.

Based on the word "agriculture", it is based on the principle of service, facing rural areas, agriculture, and farmers. Through the funding channels, we actively assist farmers in industrial restructuring and support farmers in diversified operations. "The company is to serve the agricultural production." This is my work principle and my service tenet. In the summer, the village was attacked twice by the torrential floods, and the village rice fields became beaches. After the flood, we spent two days and visited more than 300 hard-hit households. It is estimated that more than 300,000 yuan will be needed to get them out of the predicament. Therefore, we actively organized more than 300,000 funds to be distributed to the victims in time to guide them. Look at the distance and carry out a variety of business production and self-help. Under the support of our victims, the victims quickly set up a pig farm and earned 15,000 yuan in the same year.

In credit management, we have grasped a "stable" word. The quality of credit assets is a very important part of the daily management of the quota society. Over the years, when we approved and issued loans, we resolutely acted according to principles, adhered to the "three investigations" system, clearly defined the rights and responsibilities, and resolutely evaluated the large-value loans, collectively discussed, and planned to lend. Persist in not knowing who is the sliver, but depends on his business path. On April 5, 2004, a leader of the county government did not have collateral and strongly urged the Ministry to borrow money to collect 10,000 yuan. At that time, after we saw it, for the safety of funds, we took the burden on the leaders of the association and eased the pressure on leadership. With the county government leaders to explain, more than 10,000 yuan must have collateral, but also have sufficient collateral, you do not have collateral according to the rules of the higher authorities can not issue loans. In this way, the rumor refused the issuance of the loan.

In internal management, we focus on a "strict" word. More than 20 years of work experience tells me that strict management is the life of an enterprise, and the system is the basis of management. At the beginning of each year, we conducted a comprehensive political and ideological education, solidarity discipline education and professional ethics education for the various ideas of the employees, and demanded dedication, honesty and integrity. At the same time, it has also established and improved various rules and regulations, determined the target tasks of each post, and implemented monthly assessments, more work and more, no effort, performance-linked, opened the distance and grades, and made clear requirements, awards The penalty is clear. Let employees have pressure in their work and turn pressure into motivation. It also focused on strengthening the management of accounting work, often conducting irregular inspections internally, and strictly demanding financial personnel.

On the increase and decrease, we focus on a "俭". We have achieved good operating results every year, but we have not been so arrogant, but we strictly control the expenses, so we must plan for the use of money. Implement a three-check system for hospitality expenses, determine the use of the limit, and strictly prohibit exceeding the standard.

5. Rich activities and full of spirits

The youth league members are the main members of the sales department and the assistants and backup forces of the party committee of the association. In order to build a young technical backbone team, the generation of talents is undoubtedly out of the youth league members. Whether it is our technical strength or political theory, the youth league members are unique in this activity. How to cultivate talents, how to enrich the leisure life of youth league members, how to make the spiritual world of youth league members have a healthy environment, has become the primary consideration of the leaders of the association and the sales department. First of all, at the beginning of the hiring work, some of the highly educated young workers were recommended as the heads of the outlets. Through one year's work, the actual performance directly reflected the ability to work and laid the foundation for the quota society to train reserve cadres. The “Five Good” quota social assessments were conducted once a month for each outlet. The results of the assessment were met with the employees and the rewards and punishments were linked, which made the overall image of the company meet the requirements of the “Four Rules”, namely “facilities, service standards, system specifications”. , management practices." During the year, the organization volunteered to donate blood once, and all those who passed the physical examination donated 200CC. The union and the branch branch cooperated with two poor students in Baiyao Town to help students and donate money. The Association has established a table and field, purchased karaoke facilities, and healthy sports equipment such as badminton and chess. From time to time, karaoke matches and table tennis matches were held in small areas, which eliminated the erosion of the youthful members of the society. Improve the physical and moral sentiments of young members. In order to strengthen patriotism education and strengthen clean government education, the Associated Press and the Sales Department have repeatedly organized employees to watch films on the theme of patriotism and clean government education, laying a solid ideological foundation for anti-corruption and refusal.

Although the business department of Dutang Essence has taken a steady step in the process of establishing the municipal youth civilization number, but Dawn is in the forefront, and its road is long. As the staff of the sales department, they all know that the burden on their shoulders is a long way to go. . Only by working together and working tirelessly can we meet higher standards and higher levels of ourselves. Through this event, we are convinced that a young, energetic, rigorous and energetic youth team will be on display. We will always follow the requirements of the Youth Civilization, maintain a rigorous, serious and responsible attitude, and build our sales department into a well-known Dongan

Article 2:

This year is a crucial year for the reform and development of the rural quota society in our county. In the past six months, under the guidance of the superior management department and the local party and government, the county's rural quota society, under the leadership of the leadership of the association, has focused on the two major themes of system reform and business development, and strives to expand various businesses and strive to improve service quality. Continuously improve the construction of internal control system and realize the sustained and steady development of the county's quota society.

By the end of the month, the county’s various deposits were XX yuan, a net increase of XX million yuan compared with the beginning of the year; various loans × × × 10,000 yuan, compared with the beginning of the year × × × 10,000 yuan; to achieve total income × × × Ten thousand yuan, an increase of XX million yuan compared with the same period of last year; total expenditure × × × million yuan, compared with the same period last year increased × × × million yuan, after the product × × × million. Despite this, the county's operations are relatively normal. Looking back at the work in the past six months, we have mainly focused on the following aspects:

First, raise funds and strength

The abundant capital stock is not only a symbol of the strength of financial institutions, but also the basis for its further development. However, due to the serious lag in the electronic construction process of the county's quota society, there is still a big gap with the state-owned commercial banks, which is at a competitive disadvantage. However, the county’s quota society is not inferior and not discouraged. It makes full use of the advantages of wide-ranging social points and numerous interpersonal relationships, fostering strengths and avoiding weaknesses, competing with other financial institutions in terms of service quality and methods, effectively expanding market share and enhancing financial strength. The county's deposits have grown steadily.

First, the deposit task was implemented early. At the beginning of the year, the County Associated Press refers to the business indicators issued by the Municipal Bank Management Office, and combines the completion of deposit indicators of various business institutions and the local economic development situation last year to decompose the deposit tasks into various institutions. The second is to seize the "golden opportunity" for migrant workers returning home during the Spring Festival, fruits, grain and oil purchases and sales, and organizations arrange for personnel to go to enterprises, institutions, and individual stores for business promotion, and vigorously save the deposit. × × × million. The third is to vigorously improve the counter service. Counter service is the first line facing customers, and it is an important part of establishing an industry image. To this end, in the counter service, the county’s E-Committee puts the interests of customers first, and establishes the concept of “customer first, dedicated service” from the ideological point of view, and shows respect for customers from the words and deeds of individuals. Make every customer happy and come back with satisfaction. At the same time, keep the sales outlets clean and comfortable, and patiently and enthusiastically answer the various consultations put forward by customers, enthusiastically exchange money for customers, do not deliberately refuse, try their best to meet customer needs, and won praise from customers. In the past six months, through the unremitting efforts of the staff of the county, the county's deposits have completed the annual plan of ××× with a good result of growing ×××10,000 yuan at the beginning of the year, realizing more than half of the time, more than half of the tasks, for the county's business. Further expansion laid the foundation for funding.

Second, based on the development of the three rural areas

As an important financial institution supporting local economic development, the rural credit cooperatives, especially the backbone of supporting the development of the three rural areas, and the development of the three-agricultural services are not only the inevitable requirements of rural finance, but also the inherent requirements of the development of the quota society. In the first half of the year, the county's quota society has effectively changed its work style, focusing its credit on “agriculture, rural areas and farmers” and solidly doing a good job of supporting agriculture through credit. First, do a good job in spring farming. At the beginning of the year, the County Association held a meeting on credit support for agriculture, clarified the key points of supporting agriculture, implemented measures to support agriculture, and established a system for supporting agriculture. Subsequently, the county's quota society under the village, into the field to carry out the survey of spring ploughing funds needs, mastered the first-hand information, and through the organization of deposits, actively apply for agricultural loans, clearing non-performing loans and other ways to raise funds to support farmers, to ensure funding supply. In terms of service methods, the company changed the style of “official business”, adopted small-scale agricultural loans, joint guarantee loans, etc., carried forward the tradition of backpacking to the countryside, walking the village, and handling business in the field to help farmers buy back fertilizer. The production materials such as pesticides, agricultural film and seeds have strongly supported the spring farming of the county. By the end of the month, the county’s quota society had approved a loan amount of 10,000 yuan, a small amount of loans of 10,000 yuan, a small amount of farmer loans of 10,000 yuan, and a farmer’s loan balance of 10,000 yuan, accounting for the total amount of loans. The second is to vigorously support the development of urban individual industry and commerce. Since such loans have the advantages of small amount of funds, strong liquidity, low risk, and high efficiency, in the past six months, institutions have carefully investigated and understood the credits of the borrowers and the project prospects, and adopted a credit guarantee. The loan and the maximum amount are offset from the original secret website: the secretarial companion loan and other means to support the profitable, market-oriented and well-managed individual industrial and commercial households, and cultivate a group of gold customers, which has improved the asset structure of the quota society and reduced The business risk has improved the operating efficiency. By the end of the month, the county had placed a total of 10,000 yuan of this type of loan, and the interest recovery rate was up. Third, under the premise of fully investigating and improving the guarantee mortgage procedures, we will steadily support the development of promising and profitable enterprises. In the first half of the year, we will increase the amount of corporate loans by 10,000 yuan, which will promote the development of the county economy. Fourth, continue to explore and improve the operation process of housing mortgage loans, improve the credit structure, reduce the risk of loans, and improve the profitability of credit assets.

Third, take more measures and grasp Qingfei

The decline in non-performing loans is a more difficult point in credit management. In the past six months, the county’s Essence Society has carefully formulated the measures and measures for the collection of non-performing loans in accordance with the objectives and objectives of the Lianhe Association’s implementation at the beginning of the year, implemented the loan officer’s package, and specifically responsible for the households, insisting on annual collection and focus. The combination of clearing and collecting methods focuses on the collection of non-performing loans. Second, the County Associated Press seized the reform of the quota society, and with the assistance of the County Leading Group for the Collection of Non-performing Loans, it opened the prelude to the “clean-up of bad loans” in the whole county in the month of XX. The battle will continue until XX months. In the assault battle, our society has decided to make breakthroughs and use administrative, legal, and economic means to vigorously collect non-performing loans and resolve loan risks. First of all, in the collection of non-performing loan loans from the administrative staff and administrative institutions, the agency actively reported to the leading group for the collection of non-performing loans, which urged the relevant departments to return them. Under the tough policy of “three stops and five noes”, some of the arrears and arrears with repayment ability directly returned the loan; if the temporary repayment was difficult, the repayment plan was signed with the quota agency. By the end of the year × ×, the personal non-performing loans have been recovered, the amount of 10,000 yuan, the reimbursement plan households, the amount of 10,000 yuan, a total of 10,000 yuan, accounting for the total amount of non-performing loans of the administrative staff; 10,000 yuan, signed repayment plan households, the amount of 10,000 yuan, a total of 10,000 yuan, accounting for the total amount of non-performing loans of administrative institutions. Individuals and units that have not yet been implemented are currently being implemented. Secondly, for the non-performing loans formed by the company's default or guarantee, the agency took the initiative to cooperate with the judicial, industrial and commercial departments, and the borrowers who maliciously evaded the debts of the quotas were still unable to recover the collection and collection. Original secretarial website: The secretarial companion sued, instructed to return the loan principal and interest within a time limit; for those products that have a market, production and business activities are normal, and the development prospects are good, but it is difficult to return the loan principal and interest at one time, re-complete the procedures, and inject new funds. To help them resume production, and gradually return the loans owed; for those who have gone through the legal compliance mortgage procedures, the collaterals will be disposed of in a timely manner. By the end of the month, a total of 90 million people were involved in the lawsuit, involving a total amount of 10,000 yuan, forced recovery of the household, the amount of 10,000 yuan; re-improvement of the procedures, the amount of 10,000 yuan; Finally, for the non-performing loans of farmers and individual industrial and commercial households, our company has adopted credit personnel to collect and collect the credits, and collect them through the township and village cadres to assist in the collection and legal means. In particular, it was more effective to cooperate with the county court to collect the payment order. By the end of the month, the county had issued payment orders involving a total of 10,000 yuan, and the loan households were recovered in this way, amounting to 10,000 yuan. The county has collected a total of 10,000 yuan of non-performing loans, and the proportion of non-performing loans decreased by one percentage point. The proportion of assets was further improved.

Fourth, steady reform to promote development

Deepening the reform of the rural quota society is not only related to the development of the rural credit cooperatives, but also to the realization of the three rural development and the goal of building a well-off society in an all-round way. In order to effectively promote the reform of the rural credit cooperatives in our county and promote the development of the quota society, our county has effectively grasped the following aspects in accordance with the relevant archives requirements on the basis of improving the corporate governance structure, clearing assets, and increasing capital and shares;

First, in accordance with the requirements of the municipal government's special propaganda archives for reform and development, strengthen propaganda and organization leadership, publicize the status and role of the rural quota society with a unified and circular society, clear the policy, make the work fine, and increase the people's public Understanding and trust. During the whole propaganda process, the propaganda banner XX was hoisted, the propaganda notebook XX was produced, the counter circulated the information ××× surplus, the convenience service was carried out ××× times, and the people’s consultation was accepted××× times.

Second, according to the spirit of the relevant social reform archives, our county attaches great importance to it, strengthens organizational leadership, and draws up the elites to form a reform material writing group. Under the guidance of the municipal and county banking regulatory agencies, the pedestrian and county reform leading groups, the quality assurance The amount of the reform implementation plan, the capital increase and share expansion plan and the central bank bill application and other materials submitted for review.

The third is to regulate the equity setting and vigorously raise shares. At the beginning of the year, our county formulated the "Prospectus", set up two types of shares, namely, natural person shares and legal person shares, set up qualification shares and investment shares, clarified the preferential measures for members of the shareholding, and began to vigorously raise shares in the county. By the end of the month, the total amount of rural social quota shares in the county was ×××10,000 yuan, of which natural person shares ×××10,000 yuan, accounting for the total share capital ×××, legal person shares ××10,000 yuan, accounting for the total share capital ×××; Nature, qualification shares × × × million, investment stock × × × million, respectively, accounted for × × × and × × ×; currently has retired the amount of social shares in the association funds, the previous year's per share of the old shares, The deposit-based stocks below XX years ago, and the ages of XX-year-old members under the age of 18 years old and employee qualification shares total × × × 10,000 yuan. There are still XX × 10,000 yuan unregulated shares are in the process of regulation. If the central bank bill replacement is considered, the county's capital adequacy ratio will reach XX, which will meet the conditions for the issuance of special bills for the “unified legal person” reform model.

V. Internal control construction to maintain stability

The construction of internal control degree is a safety valve that guarantees the stable operation of the quota society. In the past six months, under the correct guidance of the Municipal Banking Supervision Bureau, the Municipal Bank Management Office and the leaders of the Society, the County Association has combined the improvement of internal control and reform and stability, effectively grasped the internal control construction of the county, and realized the stable operation of the county’s quota society. . First, according to the requirements of the higher-level administrative department, the internal control system since the decoupling of the county's self-governing society has been compiled and compiled, and new financial, credit, auditing and other files have been formulated in light of the current business situation, further standardizing the business of the county's quota society. Operating. Second, in accordance with the internal control conferences and archives requirements of the provincial and municipal banking supervisory departments, the county association has clearly defined the responsible persons for internal control work in the form of archives, and implemented the two-level contracting system of the leadership team and the director of the quota society, and divided them. The Associated Press monitors the Security and Audit Section. The third is to withdraw the organization and resolve the risks. In view of the slow development of the long-term business of the XX branch of our county, especially the work of “four-double system” and “three defenses and one guarantee” cannot be effectively implemented, and it has become a dead end of internal control. There are serious safety hazards, and the county association has taken the opportunity to withdraw from townships and towns. After reporting to the Banking Regulatory Bureau, Renxing was moved to the town of ×××, and the ××× branch was revoked. The withdrawal of the XX branch was under review. Fourthly, the Joint Inspection Team of the Associated Auditing Division, the Business Section and the Planning and Finance Section formed a key check on the credit management and account management of the quota society, and formed a situation report on the identified problems, and requested relevant institutions to rectify in time. The fifth is to strengthen security work. At the beginning of the year, the County Association and various business organizations signed a "three defenses and one insurance" responsibility book, which will ensure the safety management responsibility of the quota social security, and everyone will tighten the "safety string" to ensure the stable operation of the quota society.

Sixth, the second half of the work plan

In the first half of the year, the county's rural quota society has achieved certain results in its business operations, but there are still many problems: the growth of deposits is slow, the proportion of low-cost funds is low; the credit supply is not strong, the deposits and loans are relatively low; the proportion of non-performing loans is large; Credit management is not standardized enough. In the second half of the year, we will increase public deposit organization, invigorate loan management, adopt administrative, legal and economic means to vigorously collect non-performing loans, further standardize lending behavior, ensure the completion of the annual business objectives and tasks, and promote me. The county’s quota society has developed steadily and healthily.

Article 3:

Since the beginning of this year, the Rural Credit Rating Society of the city has vigorously implemented the three major projects of “overwhelming, top-notch, and joyful” to promote the construction of new rural areas, promoted the strategic adjustment of the urban and rural economic structure, and fully supported the city's economic development and achieved remarkable results. As of the end of May, the city's quota society has invested a total of xx million yuan, the balance of various loans is xx million yuan, of which the balance of agriculture-related loans is xx million yuan, accounting for xx%. Give full play to the role of the main force of rural finance.

Overwhelming Project: Solid Credit to Support Agriculture and Promote Agricultural Development

Production and development are the core of building a new socialist countryside and the most concerned issue for the peasant people. Based on the business direction of “agriculture, rural areas and farmers”, the rural credit cooperatives of the city have carried out various kinds of credit services around the capital needs of various stages of agricultural production, and promoted agricultural efficiency and farmers' income.

The first is to innovate service methods and vigorously promote loans for farmers' loans. At the beginning of this year, each quota society in the jurisdiction selected a natural village as a “model village for rural household loans”. The credit staff of the city’s quota society went deep into the village, group, and households to prepare for the general economic survey, and improved the economic archives of farmers. Approve loan quotas for qualified farmers and issue loan certificates. When a farmer needs a loan, he can go through the loan formalities directly with the loan counter, his ID card and his private seal, and the loan certificate becomes a “prepayable current passbook”. At present, the city's rural credit cooperatives have issued xx loan certificates in the city, the loan loan balance reached xx million yuan, and the loan demand satisfaction rate of the licensed farmers reached xx%. At the same time, a “credit-supporting agricultural public sign” was set up at the main entrance of each administrative village in the city, which briefly introduced the conditions and procedures for handling the loan of the farmer, the name of the loan officer, the telephone number of the company, the service hotline of the company and the city association. The company's supervision phone, and public commitment: farmers can apply for loans at any time, to ensure that two working days to reply or to complete. Let the farmers understand the contents of the credit support business of the quota society in time, and get credit support in time.

The second is to support the agricultural industrialization operation based on the "three transformations". In view of the increasingly industrialized and market-oriented characteristics of agricultural production, in the investment orientation of supporting agricultural loans, the focus is on the transformation from traditional single production pattern to comprehensive utilization of resources and supporting cooperation, and carefully fostering independence that directly faces the market and has strong vitality. Market cells and entrepreneurial entities, strive to explore new economic growth points; focus on the process from single production process to increasing product value, xx million mu of high quality rice, xx million mu of high quality cotton, xx million mu of double low rapeseed, xx million mu Agricultural products processing bases such as pollution-free vegetables and xx million mu of pollution-free premium aquatic products will be given key support, promoting the entry of agricultural products into the modern circulation network, increasing the added value, and driving farmers to increase their income; paying attention to the transformation from yield-only production to heavy output value. Give play to the role of leading products, brand products and featured products in market development, technological innovation, and financial financing, so that product advantages can be transformed into commodity advantages. Such as xx "golden" tomatoes, xx "xx" cauliflower, xx "xx" peanuts. In order to promote the formation of the scale effect of intensive management, the city's rural credit cooperatives took the initiative to be “matchmakers”, helping rural farmers, large aquaculture farmers and large agricultural and sideline products marketing to form a joint guarantee group, which solved the large demand for liquidity and its own guarantee conditions. Insufficient contradictions. The xx village xx village xx is one of the beneficiaries. With the support of the quota society, this year's one-time loan of xx million yuan has expanded the scale of xx persimmon cultivation.

The third is to support leading enterprises and promote the optimization and upgrading of the economic structure. The city's rural credit cooperatives selected a number of leading enterprises in the city with large scale, high starting point, good efficiency and strong radiation ability as key support objects to help enterprises develop intensive processing projects for agricultural and sideline products and increase the added value of agricultural products. Promote the construction of modern agriculture. The provincial agricultural industrialization leading enterprise - xx oil company has given full play to the advantages of low cost of rapeseed production and high efficiency, and implemented double-low rapeseed expansion project. This year, the company fully implemented the production and operation mode of “company + base + farmer” with the support of the rural credit cooperatives of the city. Many farmers in the land and surrounding towns and villages signed a rapeseed production and sales contract with Yongzhi Company. This "zero" risk order will increase the income of each signing farmer by about xx yuan in one season. In the first half of this year, the company has invested xx billion yuan in xx agricultural leading enterprises such as xx oil, xx rice noodles and xx oil.

Top-of-the-ground project: supporting industrial enterprises to support new rural construction

Since the beginning of this year, the city's rural credit cooperatives have highlighted the focus of “focusing on attracting investment and focusing on industrial breakthroughs”, and creatively supporting the main economic development. The first is to investigate and demonstrate in advance and implement contractual credit. A special enterprise credit management team was set up to actively participate in “visiting 100 corporate activities”, and full-time corporate loan officers were stationed in enterprises to understand the business management and capital operation status, and to investigate and demonstrate the pre-loan investigation program before investigating and demonstrating the capital needs of enterprises. Through the docking and negotiation of banks and enterprises, the company has signed contract credit management for enterprises with good business performance and high legal representative, and approved the scale of corporate loans. The loans within the credit line, enterprises with loans on demand, and turnover, greatly facilitated enterprises. To make the company confidently accept orders and expand production. We also leveraged the successful experience of the farmers' joint insurance and cooperated with Xingtian Investment Guarantee Co., Ltd. to help some enterprises with large capital demand but their own assets do not meet the guarantee conditions to solve the loan guarantee problem. At present, the city's quota society has placed a total of zzy yuan of guarantee loans, which has promoted the rapid development of enterprises. The second is to carry out social enterprise marriage and introduce preferential measures. On March 26th, on April 20th, the City Association organized a social enterprise symposium in the towns of xx and xx respectively, and implemented differential interest rates on effective assets mortgage loans, pledge loans, and guaranteed loans for various industrial and commercial enterprises; High-level enterprises, in accordance with the average annual deposit of enterprises, equal interest loans, enjoy preferential interest rates; start the business of bank acceptance bills, and adhere to the principle of preferential support, for enterprises with good reputation, good efficiency, key support and development, in line with the acceptance The application conditions shall be opened within the approved credit line for the opening of the bank's acceptance bill. The third is to improve work efficiency and optimize service means. If the credit enterprise needs to apply for the loan within the credit limit, it shall be followed by the contractor; for other enterprises applying for loans, the company shall implement time-limited services and reply or close in time. At the same time, the Association organized professional credit officers to inspect and demonstrate in the two parks of the Huaqiao Township Economic Development Zone and the Xianbei Industrial Park, effectively expand the scope of credit services, and actively negotiate with various newly-opened and newly-introduced enterprises to finance and settle enterprises. Provide timely and efficient financial services.

Credit services focus on the main economy, and industrial enterprises have returned to the countryside. Under the support of the company, xx Oil Co., Ltd. successfully carried out the second phase of capacity expansion. The company has not forgotten the peasants who share the fate of the company, trying to help farmers increase their income. The production workshops are all recruited for farmers and provide preferential treatment. Now the company's hundreds of migrant workers earn about 1,000 yuan a month. Xx Oil & Fat Co., Ltd. is one of the units authorized by xx. Co., Ltd., and can get timely loan support when funds are scarce. Today, xx Oil Co., Ltd. has become a major taxpayer.

Happy Project: Transporting Science and Technology Culture to Shape New Farmers

While strengthening credit services, the city's rural credit cooperatives also carry out various activities to bring new scientific concepts, quota culture and wealth-rich skills to farmers. Promote practical financial knowledge to farmers through holding new financial product briefings, anti-counterfeit publicity meetings, sending financial knowledge to the countryside, etc.; collaborating with rural new newspapers to guide farmers to carry out newspapers and newspapers, and disseminate advanced culture and scientific information. Cooperate with the judicial organs to go to the village to open the court, explain the law to the farmers, and publicize the concept of the quota; hang safety tips on the business premises, remind the security workers to pay attention to safety, establish peace xx; carry out "establishing a quota village, striving for the amount of households" In the evaluation activity, xx quotas were awarded in the city, and the quota was xx. We cultivate honest and trustworthy civilized folk customs, cultivate new farmers with good quality and honesty; establish a system of contact points between party members and leading cadres, and deepen the support of pilot villages. , comprehensive support in technology, capital and other aspects. The villagers of xx villages in xx town xx have established credit relations with xx quota society since 2019. Now they have become a large-scale pig breeding professional with breeding, breeding and feeding in one year. Become a leader in getting rich. In April of this year, xx stood out among the many candidates and was named “the first xx province new rural construction industry youth model”.