2014 Bank Half Year Summary

Bank half-year work summary

This year, under the correct leadership of the provincial party committee and the county party committee, with the strong support of the county party committee and the county government, the Bank followed the spirit of the important meeting and archives of the Party Central Committee and the State Council, and guided the spirit of the provincial and municipal branches’ meeting of the presidents at the beginning of the year. Implement the scientific development concept, conscientiously implement the national macro-control and policy measures for the work of agriculture, rural areas and farmers, actively support the construction of new rural areas, purchase and sale of grain and cotton oil, water conservancy construction and rural infrastructure construction, and continuously strengthen basic management work and cooperation. To build a culture of discipline, actively advocate and publicize the spirit of dedication and selfless dedication represented by Yan Bin, focus on improving the management level of the whole bank, and play an increasingly important role in supporting the county-level economic development of xx counties. Half a year's mission.

I. Basic information on the operation and management of the whole bank

1. Increase credit supply and achieve good and fast business development. In the first half of the year, various loans totaled 2x145,000 yuan, an increase of 2x145,000 yuan, a record high, and the balance of various loans was 9x.65 million. Among them, the expansion of bank acceptance bill discount business x million yuan, promoted the diversification of credit products.

2. Recover various loans in a timely manner to ensure that the funds are cleared on time. In the first half of the year, a total of 47,330.50 yuan of loans were recovered, an increase of 343x0.5 million yuan, of which 16x000 yuan for food policy financial loans, 2x650,000 yuan for quasi-policy loans, and 70x yuan for short-term loans of industrial leading enterprises. The urban construction loan is 1x yuan, and the medium and long-term loan of agricultural small enterprises is x million yuan.

3. Actively expand fiscal deposits and further strengthen deposit work. The average daily deposit was 13x60 million yuan, an increase of 11.96 million yuan over the same period of last year, an increase of x.34%.

4. Strengthen the consulting service business and complete the intermediate business. The income from the intermediary business was x78 million yuan, accounting for 1x.24% of the half-year plan.

5. Increase the efforts of interest collection, and the comprehensive income rate has reached a record high. The accrued interest of this year is 32x yuan, the actual interest rate is 32x100,000 yuan, and the comprehensive recovery rate of book loan interest is as high as 1x.99%. Considering that the central financial subsidy is not in place, the comprehensive interest recovery rate will further reach 1x.05%.

6, increase income and reduce expenditure, profit level is historically high. The financial income was 3x63,800 yuan, and the various expenditures were 1x7.51 million yuan, achieving a book profit of 1xx88,700 yuan, accounting for x% of the annual plan.

7, multi-party coordination and communication, as far as possible to collect non-performing loans. Through the communication with the courts, enterprises and other relevant parties, apply for enforcement, and achieve a non-performing loan of 10,000 yuan.

8. New progress has been made in the construction of spiritual civilization and corporate culture, and the dedication and dedication model represented by Yan Bin has emerged. Yan Bin’s deeds were published by the head office and the People’s Daily. Yan Bin’s spirit was widely circulated in the agricultural distribution system and Hubei Province.

9. Thoroughly carry out party style and clean government education and solidly promote compliance management.

10. In the first half of the year, safety operations were implemented without any liability accidents.

Second, the main work measures

Put the traditional business in a more prominent position, consistently do a good job in the supply and management of the purchase of credit and cotton oil, and promote the increase of farmers' income.

The Bank has always taken the support for the purchase and sale of grain and cotton oil as a top priority, and resolutely implemented the various policies and measures formulated by the head office and the provincial branches, and made every effort to supply and manage the acquisition funds. First, strictly implement various purchase and sale policies, earnestly do a good job in the acquisition of grain and cotton oil in the fall of 2019, and timely supply policy acquisition funds in full, to ensure the increase of reserves, rotation and temporary storage and storage of grain and cotton oil reserves. Smooth implementation to ensure the effective implementation of the national grain and oil purchase and sale policies. In the first half of the year, the local reserve grain loan was 5.9 million yuan, and the quasi-policy grain purchase loan was 24 million yuan. Second, according to the market conditions and the progress of the company's acquisition, the rationality of the acquisition loan is rationally grasped, ensuring that there is no “selling difficulties” due to the break of the acquisition funds, and at the same time preventing the purchase of funds from entering the market and raising the purchase price of grain and cotton oil. The third is to strengthen the market analysis, deepen the investigation and verification of the company's operating capacity, business plan and actual capital needs, and timely and fully allocate the acquisition funds to ensure the smooth and orderly development of the acquisition. In the first half of the year, 30 million yuan of oil and fat purchase loans were issued. The fourth is to strengthen the post-loan supervision measures such as inventory inspection and business operation analysis. The quasi-policy loans are checked no less than 4 times a month, and the policy inventory and commercial inventory are not less than 2 times.

Actively expand the medium and long-term credit business of agriculture and rural areas, vigorously support the construction of new rural areas and rural infrastructure, and promote the development of county economy

This year, the Bank will take the medium and long-term credit business such as new rural construction, water conservancy construction and comprehensive agricultural development as the new growth point of the Bank's business development, focus on strengthening project marketing, and actively support the new rural construction project with the transformation of the old city as the core. And the comprehensive agricultural development project around the red tourism development of Dabie Mountain, giving full play to the credit leverage of agricultural policy finance, promoting the extension of land transfer revenue to drive infrastructure projects such as water conservancy and infrastructure construction, and promoting the formation of modern agricultural and rural economic forms. It will drive the development of remote townships and rural areas. According to the situation of the project and the strength of the construction and operation units, we will support the projects under construction and continued construction, and reasonably meet the needs of their scale funds. This year, the 390-year old city transformation project of the xx county old city that has been vigorously marketed by the Bank has been approved by the provincial branch. According to the current project progress, the construction funds of the first and second phases have been put into a total of 10,000 yuan. At the same time, the Dabie Mountain Red Tourism x10,000 Agricultural Comprehensive Development Project, which is marketed by our bank, has entered the loan declaration review program.

Selecting support and strengthening maintenance, supporting small and medium-sized enterprises and inspiring the local economy

For agricultural industrialization enterprises, we adhere to the principle of differential treatment, protection, pressure, quality control, and strict risk control, implement differentiated credit strategies, prudently develop new customers, resolutely withdraw from inferior customers, and actively maintain existing quality customers. High-quality customers provide more diversified financial support, such as changing loan types, rationally increasing loan quotas, and providing bank acceptance bills, to promote the rational development of agricultural industrialization operations. Hubei Lida Textile Co., Ltd. is a typical example in supporting the development of traditional industrial enterprises. According to the company's situation, the Bank took the initiative to provide on-site service, and actively promoted the circular loan of x10 million industrialized leading enterprises, effectively solved the capital demand for the enterprise, and reasonably met the requirements of the enterprise for the time limit of capital demand. Hubei Wurui Bioengineering Co., Ltd. is also a typical example in supporting the development of non-grain and cotton oil industrialization leading enterprises. The company has further strengthened its support in the next step. In the first half of the year, it won a short-term loan for the animal husbandry industry of 4x yuan industrialized leading enterprises, which has opened the wings for the company to further develop and grow.

In strict accordance with the principle of “steady development, preferential support, differential management, and strict risk control”, the Bank rationally supports the development of small agricultural enterprises and actively cultivates small agricultural enterprises to become bigger and stronger. This year, the Bank focused on the expansion of the breeding scale of Hyundai Dairy Co., Ltd., actively carried out pre-marketing work, and conducted several communications with provincial and municipal branches.

Keep an eye on the market, reasonably guide the sales of the company, and ensure that the loan is recovered according to the plan.

First, pay close attention to the cotton spot market, guide and urge cotton companies to use favorable timing to timely sales, actively promote cash in stock, and prevent the risks caused by improper credit sales. In 2019, the price of cotton fluctuated greatly. The third-grade cotton dropped from the highest 3x0 yuan/ton to the previous period of x00 yuan/ton. The Bank always pays attention to the cotton market and invites cotton enterprises three times in February, April and May according to the situation. Opening a forum, urged enterprises to take advantage of favorable opportunities to speed up inventory sales, reduce the loss of corporate market prices, and further develop market risk prevention measures to protect the security of loans and principals. Second, it communicated with the company many times, strictly implemented the clearing plan, and earnestly completed the clearance work of the rapeseed purchase loan in the previous year, and recovered all the loan principal and interest in time, laying a solid foundation for the 2019 rapeseed purchase. The third is to earnestly implement the grain purchase and sale policy, strengthen the recovery of the acquisition funds, and ensure that the loan is collected. By the end of June, the Bank had recovered l/500,000 yuan of loans, cleared the non-policy non-performing loans of 10,000 yuan, and realized the quasi-policy clearance of 2x6.5 million yuan, of which the grain purchase loan recovered x million yuan, and the recovery rate reached x. 86%; rapeseed purchase loan recovered 3x yuan, the recovery rate reached 1x%; cotton purchase loan recovered x million yuan, the recovery rate was x.61%.

Two-pronged approach, strengthen deposit marketing and intermediary business, and improve operational efficiency

Since the deposit work was not completed last year, it has had a greater impact on the ranking of our bank. This has stimulated the enthusiasm of the whole line. Our bank made it clear at the employee meeting at the beginning of the year that we will continue to take this year's deposit work as the top priority, and start from two points: First, strictly implement the enterprise sales return system, and assess each customer manager to ensure the company's general The deposits are all returned; the second is to use the "Banking and Matchmaking Meeting" to hold a favorable opportunity to vigorously market financial deposits. After half a year of hard work, it has achieved certain results. At the end of June, the daily average deposits of the Bank were 139x00 yuan, an increase of x million yuan over the same period last year. At the end of June, the deposit balance was 1x.85 million yuan, an increase of 2x98,500 yuan from the beginning of the year.

In the middle business work, implement the “Detailed Implementation Rules for Investment and Financing Consultancy Business Management” of the provincial branches, and include the evaluation fee income, insurance income, and credit rating income into the unified calculation of the investment and financing consulting fees of the enterprise, and explain the work by enterprise. Signed the “Company Investment and Financing Consultant Agreement” with the company. After half a year of hard work, the completion of intermediate business tasks is better. From January to June, the Bank realized an intermediary business income of x78 million yuan, and completed a half-year plan of 1x.24%, of which consulting consultant fee income was x.04 million yuan; professional collaborative service income was x.58 million yuan; people settlement income X.72 million yuan; agency insurance premium x. 2 million yuan; bank acceptance bill acceptance income x.15 million yuan; other intermediary business income x.09 million yuan.

Consolidate the foundation, earnestly strengthen the construction of credit basic management and compliance culture, and promote the standardization of business construction

Seriously organize compliance education and foster a culture of compliance culture. In the first half of the year, through the "Compliance Management Month" campaign, using the form of newspapers, warnings and case education, we vigorously promoted the cultural concepts of "due diligence, dismissal and responsibility" and made it deep into the hearts of employees. At the same time, the Bank carried out self-examination and self-correction activities, strengthened inspections and rectifications, and achieved certain results: First, the problems in the work, not clearing them, and actually correcting some small problems in the past; Timely stop all types of non-compliance.

In the credit basic management, we must conscientiously implement the rules and regulations and strict operational process management to ensure that credit is legally legal. In the loan marketing segment, strict loan access conditions, compliance marketing projects and enterprises, all enterprises that have bad behavior in the society and have bad credit records in financial institutions are not supported; for strong strength, good credit, and Enterprises with potential for development are included in the project library for tracking and nurturing. In the assessment process, we advocated integrity investigations and scientific investigations, and conducted on-site and off-site investigation and evaluation activities on important information such as customer operation and management status, financial statement data, guarantee assets, and risk information to ensure the formation of investigation and evaluation. The conclusion is well-founded, scientific and reasonable. In the loan review process, adhere to and improve the record system of pre-lending decision-making meetings, conduct serious deliberation in strict accordance with the access conditions and loan requirements, and adopt differentiated support for different credit types of different enterprises, and leave no exposure to commercial loans. Complete coverage of risks. In the post-loan management process, increase the inspection of material flow and cash flow, strengthen the investigation and analysis of the physical assets of the loan enterprises, accounts receivable and payables, changes in various cash flows, etc., to ensure the safety of credit funds, and The full operation due diligence record was implemented.

Diligently conduct operations, further strengthen financial accounting management and improve service levels

First, adhere to the arduous struggle, diligent thinking, strict financial revenue and expenditure management, control costs, optimize the expenditure structure, and ensure that every penny is used. The second is to strengthen revenue and expenditure management. In terms of revenue management, on the one hand, the Bank focused on the interest-collecting work, tapping into the potential of interest-collecting, paying more interest and early income; on the other hand, vigorously developing deposit business and intermediary business, and reducing operating costs. In terms of cost management, formulate implementation rules for various cost indicator expenses, further clarify expenditure standards and scope, strict cost standards, control expenditures, especially strict control of non-business operating expenses, eliminate extravagance and waste; strengthen fixed asset management Rational use of indicators to use indicators where they are really needed. The third is to strengthen the window service and provide online banking services for enterprises, which facilitates enterprises to handle various businesses and increase corporate satisfaction. The fourth is to achieve "zero error." In the first half of the year, the Bank's accounting settlement work achieved no error in accounting, no interruption in system operation, no lag in business changes, and no accidents in operation management. The fifth is to achieve a stable profit. The scale of effective loans of our bank continued to expand, deposits and intermediary businesses continued to expand, and the comprehensive profitability level improved. The first half of the various expenses were controlled within the scope of the targets approved by the higher authorities, achieving stable profits. From June to June, the Bank realized various financial incomes of 3x.38 million, of which loan interest income was 3x.31 million, financial institutions had a transaction income of x.07 million yuan, and intermediary business income was x78 million yuan. Other operating income. X.22 million yuan; various financial expenditures of 1x.51 million, of which loan interest expense of 1x.83 million, business tax and additional x9.04 million, business management fee of 1x.39 million, deposit interest expense x. 380,000 yuan, other operating expenses x.07 million yuan, and non-operating expenses x.800 yuan. The balance of income and expenses achieved a book profit of x.87 million yuan.

Set an example, focus on publicizing Yan Bin’s deeds, and enhance the image of our bank

The power of example is endless. Yan Bin was an employee of the customer department of our bank. His advanced deeds are touching. Our company digs deep into Yan Bin's advanced deeds and extracts rich and profound Yan Bin spirit from the advanced deeds. Yan Bin spirit is not only the spiritual wealth of xx county agricultural distribution, but also a microcosm of the spiritual civilization and corporate culture construction of the entire agricultural distribution system. Taking the opportunity of publicizing Yan Bin's advanced deeds as an opportunity, the Bank vigorously promoted the spirit of Yan Bin, organized and carried out various learning activities such as “seriously studying the spirit of Yan Bin, striving to be a dedicated model of love and dedication”, and a variety of learning activities, and started the study of Yan Bin's deeds. And learning the garden, produced Yan Bin's advanced deeds activity exhibition board, each of the staff members wrote their experiences and made contributions to the major media in the provinces and cities. The People's Daily also published a special edition of Yan Bin's advanced deeds through publicity and education. Activities not only improve the overall quality of employees, but also enhance the social image of our bank. In the first half of the year, our employees won a first prize and two third prizes in the financial competition organized by the city branch to promote the spirit of Yan Bin and strive to be a knowledge-based employee. They were held at provincial and municipal branches to learn Yan Bin. In the spirit-themed "Red Heart to the Party, Youthful" speech contest, our players all won the first place. These achievements are undoubtedly the result of studying the spirit of Yan Bin.

Under the guidance and assistance of the head office, the provincial branch and the city branch, the Yanbin Advanced Deeds Reporting Group has made five reports in the banking industry of Huanggang Branch, Hubei Branch, Head Office, xx County and Huanggang City. The influence is large and the response is strong. Yan Bin’s advanced deeds and Yan Bin’s spirit are widely spread in the agricultural distribution system and Hubei Province. The Bank also actively promoted and communicated to the party and government leaders of xx County, and actively cooperated with the xx County Drama Institute to create a large-scale modern xx drama "Red Love" based on Yan Bin's deeds, which will be staged. This will be the birthplace of the xx drama, which is a typical innovation of the contemporary agricultural publishing enterprise culture. It will play an unusual role in promoting the advanced deeds and spirit of Yan Bin.

The alarm bell rang, paying attention to the construction of clean government and security work, ensuring full operation

Corruption is a major issue that affects the party's sustainable development. It is related to the people's heart. It is necessary to make a warning bell, and not to relax. Resolutely oppose all kinds of corrupt behaviors and build an anti-corruption front. In the first half of the year, the Bank first carried out party-style party-style party discipline education in the form of video lectures and individual counseling, and strengthened the education of ideals and beliefs and clean-minded political education for party members and cadres, with the major cases occurring within the system as typical. Cases, targeted education, warning education, post-corruption education, and education around the people. Second, the establishment of a bank-industry and clean government co-construction mechanism, signed an agreement on clean government co-construction with all loan customers, strengthened mutual supervision and control, promoted the management of clean and honest loans, and prevented violations of law and discipline.

Safety is no small matter. Our bank strengthened security awareness from the aspects of building a clean government, preventing crimes and defending, and established a case prevention and control mechanism. The first is to improve the safety awareness of employees throughout the bank. Taking safety operations as an important part of the basic management of the whole bank, we will form a working pattern in which all employees participate and work together. The second is to lock the focus. In combination with the actual situation, the inspection focus of three aspects has been determined, namely internal control management of accounting, computer and network management, and security prevention. The third is intensive inspection. Keep the safety precautions at least once a month and check once a quarter.

Highlight the red melody, focus on ideological and political work, organize and carry out the activities of the 90th anniversary of the founding of the party

This year is a happy year, the 90th anniversary of the founding of the party, and the 100th anniversary of the 1911 Revolution. In conjunction with the 90th anniversary celebration, we will focus on ideological and political work and further highlight the role of the red theme in educating and motivating employees. At present, the old and new contradictions in the reform and development of our bank are intertwined, the employees are active, and the influence of society and other financial institutions on our bank cannot be ignored. Strengthening ideological and political work is particularly important. The Bank insists on ideological and political work as a regular work, adheres to the combination of educational guidance, willing appeal, timely talk, psychological decompression, and ideological hidden dangers, and continuously improves the appeal and penetration of ideological and political work. Combine ideological and political work with solving practical problems, pay attention to the reasonable suggestions of employees, timely study and solve existing problems, and patience that can not be solved at one time to persuade and explain the work, and create a harmonious corporate atmosphere.

Around the celebration of the 90th anniversary of the founding of the party, we actively organized various cultural and sports education activities to add color to the party's flag, cheer for the motherland, and cheer for Huanggang. First, the leaders took the initiative to take the lead and actively organized the staff of the whole bank to rehearse the red chorus; the second was to mobilize the cadres and their families in depth, and carefully rehearse the large-scale song and dance "The Story of Spring" and the xx drama "Shan Shan Shui Sang" Related programs. Through the joint efforts of the whole bank and the families of the employees, the Bank has achieved good results in the “7·1” performances of the city branch.

Third, the existing shortcomings

After all the efforts of the whole bank, the half-year work has achieved certain results, but compared with the advanced brothers, there are still gaps with the expectations of the provincial and municipal branches. There are some shortcomings, mainly in the failure of the deposit work to complete the task, the loan. The progress of the collection is slow, and the comprehensive profitability needs to be further improved. The reasons are as follows:

1. From the internal aspects of our bank: First, the quality of personnel needs to be improved. The average age of our employees is unreasonable, the structure is not balanced, and the overall quality needs to be improved. We cannot fully meet the requirements of business development. We urgently need to improve our business operations and capacity, and we urgently need to organize large-scale training to improve the quality of cadres and workers. Second, some employees have negative slacks, excessive attention to personal gains and losses, small groupism and other negative emotions and behaviors. Third, there are some weak links in management, which are not refined enough and humanized.

2. From the perspective of the external environment: First, the market situation has intensified, which has led to difficulties in business operations and increased the difficulty of our management. Second, the approved projects have not met the lending requirements or are implementing pre-lending conditions. Some good projects are not mature enough, which has affected the effective development of the business. Third, the county's economic environment needs to be improved, and government support needs to be strengthened.

In the second half of the year, under the guidance of the superior bank, the whole bank will look for weak links and deficiencies, seek good management and management strategies, unite and forge ahead, ensure the successful completion of the annual plan, and lay a solid foundation for the next year's work.

Fourth, the second half of the plan

1. Solidly complete the loan clearance and loan repayment of the previous year. It is necessary to strictly implement the plan for clearing the market, further strengthen the guidance and supervision of the sales of grain and cotton enterprises, increase the frequency of checking the library, strengthen the supervision of funds and the return of sales, and strive to realize the timely return of sales and purchases to ensure the clearing of the project and Pay on time and on time.

2, go all out to do the autumn grain and cotton oil acquisition work. For the main business of grain, cotton and oil purchase and sales, we must not slack off, we must always be in the first place, and constantly strengthen and deepen management. First, we must make a good forecast of grain and cotton oil production in autumn, and reasonably determine the capital needs of enterprises according to their business capabilities, network layout, storage capacity and business plans. Second, strict loan access and loan conditions, and implement differentiated credit policies. Increase credit support for high-quality purchase and sale processing enterprises and industrialized leading enterprises, and increase efforts to gradually withdraw credit support for Xiaomichang, Xiaoyouchang and Xiaozhahuachang; Third, strengthen the whole process management and strictly implement the “five items” Credit management systems and measures such as “gateway”, “eight links” and “ten bottom line”, continuously improve the loan material guarantee rate, focus on strengthening post-loan management, reasonably guide and standardize business management and management behavior, strengthen sales management and ensure that “ Put it out, get it back, and benefit."

3. Actively carry out marketing and maintenance work for projects and enterprises, and solidly promote the effective development of business. First, new rural construction, water conservancy construction, and rural infrastructure construction are the new loan growth points, effectively strengthen project marketing, continuously improve project management, and implement comprehensive dynamic management of the project in the whole process of warehousing, cultivation and delivery. Actively pay attention to the progress of large-scale investment projects in xx County, and strive to market one or two influential projects. The second is to implement both service and management, and focus on the maintenance of old customers. Third, for projects and enterprises that meet the conditions for lending, it is necessary to further strengthen the work of lending, speed up the implementation, and achieve early delivery and early results; for projects that have not been approved for lending, they must actively guide enterprises to implement loan conditions. Do a good job in customer service.

4. Take measures to strengthen the banking and government docking, consulting services and deposits, and promote the overall development of the business. First, increase the coordination of follow-up work in the banking and government, actively guide and urge the government to implement commitments such as financing platform transformation, financial subsidies, and fiscal deposits. Second, through the project marketing and corporate renewal loans, the Bank's intermediary business, other business and deposit business development. For example, the project investment consultation and the pledge evaluation will drive the consulting business and the project capital will drive the deposit business. Third, vigorously support enterprises that meet the requirements for acceptance of acceptance bills to start bank acceptance bills, appropriately reduce the procedures for handling loans, speed up the processing, and provide diversified financial services for enterprises. The fourth is to eliminate interpersonal factors, increase the withdrawal of payment, and return the goods deposited in the Agricultural Bank of China and ICBC as early as possible, and increase daily average deposits.

5. Strengthen accounting and financial management to ensure zero-error operation and profit planning for the year. The first is to strengthen the "Windows" service function, improve services, and provide convenient settlement services for enterprises. The second is to strengthen financial accounting and expense management, rational use of fixed assets indicators and repair costs to provide better office conditions for employees, try to save meeting fees, strive for and rational use of hospitality, and save office space. The third is to actively do a good job in collecting interest, and do a good job in profit calculation in advance. The fourth is to strengthen daily business operation management, implement various operational procedures and safety systems, and timely report all kinds of reports and data to ensure that there are no accidents and “zero error” operations.

6. Adhere to the inspection database and risk investigation system, and identify and resolve various risk points as soon as possible. First, continue to increase the intensity of the library, improve the frequency of the library, to ensure that the accounts, tables, physical objects and bank accounts are consistent. The second is to further strengthen the verification of all receivables and payables, and prevent all kinds of false and false acts of enterprises. The third is to strengthen risk investigations, conduct two comprehensive risk investigations before and after the grain and cotton oil loans are cleared and before the autumn grain and cotton oil loans, to prevent various risks from being transferred or concealed in the next year. Fourth, a comprehensive clearance inspection was conducted before the Gregorian calendar and the Lunar calendar to ensure that the inventory materials, books, loans, and bank accounts formed by the loans were consistent.

7. Further strengthen the construction of corporate culture and improve the level of civilized operations. First, further explore Yan Bin's advanced deeds, enrich the spirit of Yan Bin, guide employees to learn and practice Yan Bin spirit, and promote the in-depth development of corporate culture. The second is to strengthen people-oriented management, advocate caring for employees, caring for employees, cultivating employees, and resolutely oppose all kinds of illegal and law-abiding behaviors such as gangs, small groups, and provocation of employee conflicts. The third is to strengthen institutional development, form a sound institutional system, and form a mechanism for managing people by system and acting according to the system.

8. Encourage employees to self-study and increase staff training. First, increase training, improve the quality of employees' skills and skills, and encourage employees to adapt to the new situation of business development and management innovation. The second is to encourage employees to self-study, mobilize their enthusiasm for learning, and conscientiously implement various incentives and incentives for self-study in provincial and municipal branches.

9. Advocate compliance management, do a good job in party style and clean government construction and security. First, the whole bank should publicize the concept of “compliance and value creation”, “compliance is also productivity”, “due diligence and dismissal, and dereliction of duty”, guide employees to strictly follow the business operation process, and resolutely eliminate any violation or reverse program operation. . Second, adhere to the principle of prevention-based, prevention and control, consistently do a good job in party discipline, political discipline, law and discipline education, strengthen internal control management and case prevention and control, and eliminate all kinds of accidents. The third is to further increase the openness of public affairs and implement democratic management. Fourth, we will continue to carry out the “Four Nothing” creation activities to promote the Bank's legal compliance, peace, harmony, and sustained and healthy development. Fifth, the safety and security work is always unremitting, and there must be no slight relaxation to ensure safety and no accident throughout the year.

Bank half-year work summary

In the first half of XX, the Bank conscientiously implemented the spirit of the national and provincial financial work conferences and the work arrangements of the head office and provincial banks. In light of the actual situation, we focused on the implementation of the work goals and measures formulated at the beginning of the year. Adhere to strict governance, scientific and technological development, increase market expansion, strengthen basic management, adjust business strategies, and promote reform of operating mechanism, prompting the healthy development of all work in the Bank in the first half of the year, with obvious improvement in various business conditions and significant improvement in operational efficiency. . By the end of June, the balance of RMB deposits of the Bank was 417.99 million yuan, an increase of 60.427 million yuan over the end of the previous year, an increase of 16.9%. The provincial bank's annual growth plan was 104%; the balance of foreign currency deposits was 14.49 million US dollars, an increase of 529 from the end of the previous year. 10,000 US dollars, completed the annual growth plan of 106%; RMB loan balance of 180.19 million yuan, the actual increase of 121.81 million yuan, completed 122% of the annual increase in investment plans, after the divestiture, non-performing loans decreased by 11.9 percentage points compared with the beginning of the year; The book profit was 13.64 million yuan, a year-on-year loss of 41.87 million yuan, 137% of the planned project, the actual profit loss was 8.75 million yuan, and the loss was 28.7 million yuan.

In the first half of the year, our main work measures and results have the following aspects:

With the fund organization work as the foothold, expand the financing market and promote the steady growth of deposits. In the first half of the year, we took effective measures to vigorously develop the deposit business under the unfavorable circumstances of the reduction of deposit interest rates, the introduction of deposit interest tax by the state, the hot stock market, the rapid issuance of government bonds, and the difficulty of deposit work. First, do a good job in the first quarter of the deposit "open the door." The first season is the golden season for organizing deposits. We have rationally analyzed the situation and urged the whole bank to raise awareness and build confidence. Formulated and issued the "Opinions on Strengthening the Image Promotion of the Agricultural Bank System in the City", organized a full-scale image publicity campaign, increased publicity and publicity, effectively improved the social image of the Agricultural Bank, and mobilized the whole bank to seize the favorable opportunity. Strengthening financial services prompted a good start in the first quarter of deposit work. The net increase of deposits in the first quarter was 552.7 million yuan, laying a solid foundation for business operations throughout the year. The second is to take advantage of the network of outlets, increase market expansion, actively expand systemic and industry-based collection and payment services, and organize public deposits. For example, each bank seized the favorable opportunity for students to enroll in the first quarter, actively carried out the collection of tuition fees, and leveraged the advantages of our network and network, and strived to represent the litigation costs of courts at all levels and the collection of China Unicom mobile phone bills. By the end of June, the amount of payment for the collection and payment of the entire government was 211.78 million yuan. The third is to improve the incentive mechanism and mobilize the enthusiasm of the fund organization. Under the premise of adhering to the law and regulations, the Bank improved the incentive mechanism, incorporated deposits into the comprehensive operating efficiency system, and linked it to unit expenses, effectively mobilizing the enthusiasm of cadres and employees to organize deposits. At the same time, it summed up and promoted the advanced experience of last year's ****, Jiedong branch to learn Puning, and catching up with Pu Ning to effectively promote the deposit work of the whole bank. The fourth is to seize the opportunity, coordinate all aspects of the relationship, and in accordance with the law, actively and steadily do a good job of receiving the deposit business of his bank and the agency to pay the shares of the Agricultural Fund. A total of 228.405 million yuan of RMB deposits from the Bank of China and ** branches, HK$194.88 million in deposits and US$755,000 in deposits in US dollars, and 48.99 million yuan in personal shares of the Agricultural Bank of China were paid, accounting for 58.8% of the total amount of redemption. Due to the effective leadership of the organization, the preparatory work was sufficient, the service and publicity work was done in the home, and the transfer of part of the deposit business of the Bank of China was smoothly and smoothly transitioned. The personal payment of the agent's redemption of the Agricultural Fund was smoothly carried out, which effectively improved. The social image of ABC has broadened the deposit market and promoted the effective development of various businesses. By the end of June, the bank's deposit balance was 417.99 million yuan, a net increase of 604.27 million yuan over the beginning of the year. In the local four banks, the incremental market share was 44.84%, and the stock market share was 28.83%, an increase of 1.83 percentage points over the beginning of the year. Temporarily ranked first in the local four lines.

Focus on the divestiture of non-performing assets, strengthen asset management, optimize credit supply, and improve asset quality. This year, we are doing a good job in the routine management of loan “clearing”, corporate credit rating, and customer unified credit management, while taking good non-performing loan divestiture as a focus of eliminating burdens and accelerating development. Loan management and optimized credit is the growth point of efficiency, and it is an important measure to optimize the structure of assets by strengthening the interest rate of clearing loans and revitalizing stocks. The first is to do a good job of “internal and external” divestiture of non-performing loans At the beginning of the year, in accordance with the provincial bank's deployment, the Asset Management Department was set up, and in conjunction with the actual situation, the “Guidelines for the Step-by-Step Implementation of the Non-performing Loan Sub-ledger Operation” was formulated to lay the foundation for the divestiture of non-performing assets. In the implementation of the divestiture of non-performing assets, we have a large number of divested assets, a small amount, a long way to go from the provincial bank, a large workload, a wide range of issues, many historical problems, complicated situations, and difficult work. Difficulties, branches and branches of the branches are closely involved, carefully deployed, commanded by the town, relevant functional departments to do the uploading work, actively coordinate all aspects of relations, carry forward the spirit of not afraid of suffering, not afraid of tired, fighting day and night, in time, tasks, policy In the case of strong sex and high pressure, the divestiture of non-performing assets was completed on time and according to quality and quantity. The divestiture work achieved phased results: the whole bank stripped 699.23 million yuan of non-performing assets, including 63.86 million yuan of principal and 62.37 million yuan of interest. More than the provincial bank issued an index of 31.38 million yuan, which laid a solid foundation for us to break the burden and embark on a benign development path. The second is to target the high-quality asset market and implement effective credit delivery. The new loan was put into effect at the beginning of the year, the spirit of the party committee secretary and president of the city's aBC branch, and the spirit of “targeting the quality asset market to ensure the effective delivery of loans” as the center, adhere to the principle of “three benefits” and continue to implement the “double superior” development strategy. At the beginning of the year, the credit management department of the branch conducted on-the-spot investigations on the recommended key enterprises on the basis of the recommendation of the grassroots banks. According to the relevant standards, the company strictly evaluated, selected and identified 53 key enterprises at the municipal level as the key support targets for the XX year, and supported the first half of the year. The total credit value was 171.48 million yuan, of which 79.5 million yuan was increased by investment loans, accounting for 53.8% of new loans, and the acceptance bill was 91.79 million yuan, accounting for 82.77% of the total new acceptance bills. At the same time, the system of repossessing the principal and interest of new investment loans will be fully implemented to ensure the comprehensive benefits of new investment loans. By the end of June, the bank's new investment loan recovery rate was 87.2%, and the interest recovery rate was 100%. The third is to increase the interest rate of clearing loans and revitalize the stock. While doing a good job in self-examination and self-correction of business management and divestiture of non-performing loans, the whole bank insisted that the work of “Second Qing” should not be relaxed, and organically combines the interest rate of clearing loans with the divestiture of non-performing loans, and intensified the assessment and clearing the loans. Under the decomposition of the interest-collecting task, it reached the grass-roots business unit, and the person who arrived at the job was linked to the income. The “Second Qing” work achieved certain results. By the end of June, the interest income of the bank’s loan was 69.5 million yuan, an increase over the same period last year. 16.31 million yuan.

Focus on economic accounting, pay close attention to income increase and reduce expenditure, and improve operational efficiency. The first is to fully implement the comprehensive business operation plan. At the beginning of the year, in accordance with the provincial and provincial deployment, based on the principle of efficiency, coordination, and objective impartiality, the business information of each branch and business department was collected, and the “XX Year **** Integrated Business Plan” was compiled. The management tasks of each sub-branch monitor the implementation of the plan on a quarterly basis, assist the units that have gaps in the implementation of the plan, and promote the effective implementation of the business plan of the whole bank through classified guidance and effective control, and improve the management level. Second, rationally arrange funds to increase the operating income of funds. In view of the substantial increase in domestic and foreign currency deposits in the first half of the year, the small scale of loans and the sufficient funds, the overall arrangement of funds has been strengthened. Under the premise of ensuring the normal business needs, idle funds will be deposited in a timely manner to maximize the funds. income. By the end of June, the deposit of provincial capital was RMB 193.695 million, and the province of Shangcun

Interest income from funds was 25.02 million yuan, an increase of 2.81 million yuan. The third is to strengthen horizontal and vertical coordination and communication, and timely carry out the liquidation of the non-performing loans, so that the funds can maximize the benefits. By the end of June, the non-performing loans that had been divested and entered the liquidation of a total of 699.23 million yuan. The fourth is to strengthen cost management and eliminate unnecessary expenses. According to the "Detailed Rules for the Implementation of the Administrative Measures for the Agricultural Bank of China's Guangdong Branch", the "Agricultural Bank of China **** XX Annual Cost Distribution Management Measures" was formulated, and the basic expenses were implemented in a fixed amount, and the development expenses were collected and managed. The spirit of the incentive fee is linked to the actual increase in profits and losses, strengthen financial management, and improve operational efficiency. By the end of June, the Bank's total revenue was 144.08 million yuan, an increase of 2.8 million yuan over the same period. The total expenditure was 130.43 million yuan, a year-on-year decrease of 39.08 million yuan, and the book profit was 13.64 million yuan, a year-on-year increase of 41.87 million yuan.

Increase investment in science and technology, speed up network construction, and improve the level of technology application. First, do a good job in the savings network directly connected to the province's large-scale work, play the advantages of outlets and networks. By the end of June, a total of 72 outlets were directly connected to the provincial capital, accounting for 89% of the total number of outlets. The network pattern of the entire jurisdiction was basically formed, and the network advantage gradually appeared. The second is to create conditions and strive for the support of the higher-level banks. In March, the province's deposit and withdrawal deposits for the current savings deposits were opened. The third is to expand the network function, develop the collection and payment business operation platform, and provide technical guarantee for the development of the collection and payment business. The collection of China Unicom mobile phone service has entered the substantive operation stage. Fourth, on the basis of the completion of Jinsui Credit Card to join the national automatic authorization network, the company actively applied for the Jinsui Debit Card business.

Strengthen internal management and fully implement strict governance. Management is the life of the financial industry. Strict management can prevent and resolve financial risks, and strict management can truly benefit. The first is to carry out self-examination and self-correction of business management. We will conscientiously implement the spirit of the speech by Vice Premier Wen Jiabao on implementing the "three stresses" education reform measures, strengthening the internal management of the financial industry, strengthening internal management, implementing strict governance, and self-examination and self-correction of comprehensive management since the first quarter. jobs. On the basis of supervising and implementing the self-inspection and self-correction of the operation and management of each branch, the inspection team of the business backbone is selected to conduct inspections and spot checks on the self-inspection of each branch. During the inspection, problems found in self-employed economic entities, financial revenue and expenditure, financial accounting, credit management, credit card overdraft, etc. were corrected item by item, and corrective measures were implemented in time for rectification problems, which made it difficult for some historical reasons. If it is rectified, it will further check the situation, straighten out the relationship, promptly ask for it, and wait for it. The second is to strengthen law enforcement supervision and security work. The implementation of the clean government education and safety target management responsibility system, the security department and the discipline inspection and supervision department have repeatedly formed an inspection team to strengthen the security inspection and law enforcement inspection and inspection of the business unit, and timely feedback to the inspected unit on the inspection situation, and put forward the existing problems. Law enforcement supervision and suggestions, to prevent micro-duration, prevent it before it happens. In the first half of the year, the whole bank achieved operational safety and no accidents. The third is to implement and improve the system of linked points. On the basis of summarizing the experience of last year's contact point, this year, in combination with the actual situation of each branch, the leaders and functional departments of the bank and the functional departments were re-adjusted, and the contents of the linked line were focused on clearing the loan and collecting interest. In terms of market expansion, self-examination and self-correction, and the construction of grassroots party branches, specific provisions were made on the way of connecting points, which effectively changed the style of leadership and the style of the organs, and truly served the grassroots of the organs. The fourth is to reform and improve the operating mechanism. According to the spirit of the reform of the superior bank, the branches of the branches were functionally adjusted, and the market expansion department of the branch market and the market development department of the branch business department were merged into the branch market development department, and the retail business department was established to rationalize and improve the market expansion mechanism.

Strengthen party building and spiritual civilization. First, in accordance with the deployment of the higher-level banks, earnestly carry out the "three stresses" education and look back at the activities, strictly follow the four steps and five basic requirements defined by the head office, do not engage in invention and creation, do not cut corners, and carry out "three stresses" in a down-to-earth manner. "Education" looks back at the event. In the process of “looking back”, the party committee of the branch reviewed the implementation of the “three stresses” education rectification measures last year, and further implemented rectification measures in terms of ideological construction, work style construction, promotion of agricultural bank development and strengthening internal control construction. At the same time, we will focus on the construction of “image project” and “people's heart project”, and actively carry out the preparation of the office building and the fund-raising and construction of employees. After many efforts, the branch office building broke ground on March 30 and is currently under construction. The housing problem has also been satisfactorily resolved. The second is to strengthen the building of spiritual civilization, give play to the role of workers and women, organize various forms of cultural and sports activities such as table tennis, basketball, flower arrangement, etc., enrich the cultural life of employees, and carry out the creation of "Youth Civilization" and "Youth Position Experts" and " The “Women’s Contributions” campaign will enhance the centripetal force and cohesiveness of all employees, and transform the ownership, enthusiasm and creativity of all employees into practical actions to promote the development of agricultural banks.

In the first half of the year, although the Bank has achieved certain results, some problems still deserve our attention. First, there has been a new imbalance in deposit growth, and the growth has been hindered. Second, although the work of clearing and lending has made a lot of effort, non-performing loans are still on the rise. In particular, the potential credit risk of individual sub-branches should be taken seriously. By the end of June, the factors of divesting non-performing loans were removed, and the whole bank added new bad. The loan was 138.97 million yuan. Third, the development of new business and new products needs to be accelerated. Fourth, the internal operating mechanism and management mechanism need to be further reformed and improved.

In the second half of the year, we must focus on the existing problems and focus on the following aspects: First, continue to do a good job in fund organization, increase business development, and further optimize the debt structure. The second is to increase the interest rate of clearing loans. We must carefully analyze the changes in non-performing loans after asset divestiture, find out the reasons, further establish and improve the incentive mechanism for clearing loans and interest collection, and take effective measures to set off a “clearing and paying interest rate” campaign in the whole jurisdiction to ensure the clearing of loans. There is a qualitative leap. The third is to continue to expand the quality asset market, fully launch the consumer credit business, and explore new profit growth points. Fourth, we must further improve internal mechanisms, strengthen internal control construction, and ensure full operation and healthy development. The fifth is to strengthen party building work, especially to strengthen the party's grassroots construction and give play to the role of the party branch in the operation and management of the battle fortress.

Bank half-year work summary

In xxxx years, I am full of the yearning for the financial cause and pursued into the xxxx branch. Here I will release the energy of youth and ignite the dream of the cause. Time flies, it has been a year since xx branch. In this short year, my life has undergone tremendous changes, both in work, in learning, and in thinking.

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

Yes, among the employees of ABC, the tellers are the groups that directly face the customers. The counters are the windows that show the image of the ABC. The daily work of the tellers may be busy and monotonous. However, in the face of all kinds of customers, the tellers should be skilled and enthusiastic. Day after day, with thoughtful service, customers can truly appreciate the sincerity of the farmers, feel the warmth of doing business in the Agricultural Bank, such work is extraordinary, I am proud of my position! I ask myself to do the following: First, master the excellent business skills, and never relax business learning; second, maintain good professional conduct and abide by national laws and regulations; third, cultivate harmonious interpersonal relationships and live in harmony with colleagues. The fourth is to clearly understand the self, win the arrogance, and defeat.

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

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

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

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

Today, we are concentrating the youth of the fire to the ordinary ABC position. The Agricultural Bank of China is moving forward step by step in this youthful alternation. In her clear annual ring, it will also deeply imprint the mark of our youth. Franklin has a famous saying: "Promote your career, don't let your career drive you." Today, I am here to promote my career. This stems from my pursuit of the value of life and my passion for financial career. Because I know that as a growing youth, only by combining personal ideals with the development of the agricultural industry can we give full play to our work enthusiasm, initiative and creativity, and realize our own in the process of creating a better tomorrow for the Agricultural Bank. the value of life.