Bank financial system work summary

In 1989, the State Council proposed the first year of governing the economic environment and rectifying the economic order. The head office put forward the general credit policy of “controlling the total amount, adjusting the structure, ensuring the key points, and compressing the general and timely adjustment”. How to implement this central task? To our commercial credit work, our slogan is: adjust the structure, protect the market, and promote circulation. The adjustment structure is the foundation, and the protection of the market is the task, and the promotion of circulation is the goal. After a year of active work, the commercial credit structure has been effectively adjusted. At the same time, the city market has seen a stable and prosperous gratifying situation, with a total purchase value of 205.48 million yuan, sales of 241.78 million yuan, profits and taxes of 6.79 million yuan, and achieved relatively good economic benefits.
Adjusting the two structures and activating the stock of funds This year, the state implements the policy of “double tightening” of finance and credit. Its purpose is to reduce monetary input, promote the adjustment and optimization of the original production factors, and thus achieve inflation control and stability. The purpose of economic development. The commercial sector is responsible for withdrawing money and prospering the market. How it operates is of great significance for stabilizing the market and promoting economic development. We believe that in the case of monetary tightening and reduced investment, the only way to support commercial enterprises, improve efficiency, and maintain the market is to activate the stock of funds, adjust the two structures, improve the efficiency of the original funds, and ease the contradiction between supply and demand.
Adjusting the loan structure of the first, second and third types of enterprises. At the beginning of this year, we considered the support sequence proposed by the state and the head office according to the classification queuing standard formulated by the superior bank and the “centralized classification queuing method” we explored in 1988. All commercial enterprises were classified and queued, and the “increasing, leveling and reducing” plans were formulated on a case-by-case basis. The key points for investment in investment and pressure keeping were very clear, and they won the initiative for this year's adjustment work. By the end of the year, the proportion of loans of the first-class enterprises reached 65.9%, up 4.7 percentage points from the beginning of the year, and the second-class enterprises reached 26.7%, down 2.6 percentage points from the beginning of the year, and the third-class enterprises reached 7.4%, down 2.1 percentage points from the beginning of the year. This shows that the loan structure is more optimized through the shift of loan stocks.
Adjusting the capital occupation structure of commercial enterprises for a long time, because the business management level of commercial enterprises in our city is not high, resulting in improper use of working capital, more funds are deposited, and the stock of funds is unreasonable: First, there are many problems with commodities. The capital occupation is unreasonable; the second is that the settlement funds are occupied at a high level, and the internal structure of all liquid funds is unreasonable; the third is that the self-owned funds are relatively small, accounting for an unreasonable proportion of the total working capital. In response to these three irrationalities, we have spent a lot of effort and effort to adjust the existing stock structure, and to activate funds from the stock, mainly carried out the following aspects:
1. Vigorously promote internal banks, and manage funds. On the basis of our pilot work in 1988, this year we implemented internal banks in all state-owned businesses, improved the liquidity management mechanism of enterprises, and reduced the running, risking, dripping, and Leakage, the use of funds has improved significantly. After the implementation of internal banks in Liaocheng Department Store, the use of funds has been significantly reduced, while the benefits have grown substantially. This year, the total liquidity occupation increased by 1.5% compared with last year, while the increase in purchases, sales and profits was above 30%, and the capital turnover accelerated by 27%. According to statistics, since the beginning of this year, through the implementation of internal banks, commercial enterprises have saved about 4.5 million yuan.
2. Efforts to carry out the clearing of potentials and digging funds to potential enterprises for the high capital and potential of commercial enterprises. We proposed this year that the city == convened three mobilization mobilization meetings to form a group of potential digging potential leaders and formulated a series of awards. The penalty policy has set off a climax in the city to re-excavate potential and tap the potential. The "one-man show" of the bank has become a chorus of silver enterprises ==, which has effectively promoted the development of the city's commercial enterprises. In order to cope with the company's debt owing, we also engaged in a “three-part clerk” in the third quarter, and sent 28 loan officers to help the company clear the debts at three levels: within the city, outside the city, and outside the district. Pen, 5.81 million yuan, was highly praised by the company.
3. We will vigorously urge enterprises to replenish their capital and squeeze funds from consumption. In order to solve the problem of low self-owned funds and poor anti-risk ability of commercial enterprises, we not only issue liquid fund loans, but also use interest rate leverage to urge enterprises to replenish their capital. They also widely publicize and actively mobilize and guide enterprises. Learn to be too tight, change the consumption fund as operating funds. Under our impetus, there are 7 companies that use all of the 2.85 million yuan that is ready for consumption to participate in the turnover. For example, the regional textile station is postponed to the dormitory building, and 850,000 yuan of enterprises are retained, all of which are used to supplement working capital. This year, we urged commercial enterprises to replenish 1.58 million yuan, six times the annual plan.
As a result of the above work, the capital occupation structure of commercial enterprises in our city has been significantly improved. The annual handling of various backlogs of 5.95 million yuan has increased the marketable product ratio from 85% last year to 91%, and compressed various settlement funds of 6.88 million yuan. , so that the settlement funds accounted for less than 32% of the total liquidity ratio. The annual replenishment of 1.58 million yuan, so that the proportion of its own funds in total liquidity increased from 6.5% at the beginning of the year to 7.9%.
By adjusting the two structures, it has promoted the investment of funds to the good enterprises, accelerated the capital turnover, and revitalized a large amount of funds, so that the contradiction between the large amount of capital demand and the serious and unreasonable capital occupation on the one hand was alleviated.
Implementing commodity monitoring, whether it is rich in commodity supply and whether the price is stable is the standard for judging the merits of the market. The task of commercial credit is to timely and adequately transfer funds to the acupuncture points, and support the commercial sector to organize the commodity supply market in time to avoid market disruption. The measures we have taken are:
To conduct product queuing and monitoring to ensure market supply, to understand which products are most sensitive and most necessary for consumers, at the beginning of the year, we took nearly two months to queue up for 300 kinds of consumer goods, and discharged 97 best-selling products, 134 A kind of flat-selling goods and 69 kinds of unsalable goods, through the queuing, found out the market conditions and found the focus of work. In order to make the procurement of the commercial sector adequately supply the market, prevent the backlog and reduce the capital occupation, we have concentrated on monitoring 50 kinds of products such as matches, soap, milk powder and enamel products, and set up monitoring cards. Monitoring, analysis, import, sales, storage, price, etc., and then timely guide commercial enterprises to adjust procurement priorities. For example, in April and May of this year, we found that many commercial departments have weak match stocks, market prices are confusing, and timely provide funds to support key purchases in department stores. In just 7 days, the market matches are full and the prices fall back to normal levels.
In supporting the operation of commercial enterprises, we also look at the big picture and guide enterprises to combine the short-term market with the long-term market, combine short-term and long-term benefits, and combine enterprise benefits with social benefits to obtain long-term market. stable. For example, in June of this year, the city's garlic moss achieved a bumper harvest. At one time, the market price of garlic and moss quickly fell, and the majority of farmers generally sold for sales and prices. We believe that if the price of garlic moss is too low, it will definitely hurt the enthusiasm of vegetable farmers. The vegetable market next year will definitely be affected. In order to solve the problem quickly and maintain the long-term stability of the vegetable market, we suggest that the city == convened by finance, tax, The coordination meetings attended by 27 units including township and town vegetable companies, and timely formulated policies to protect the interests of Lainong and vegetable companies, streamlined the relationship between various parties. We timely issued a loan of 1 million yuan to support the vegetable and vegetable company to store 1.2 million kilograms of garlic moss, quickly stabilized the market price, saved the market, and eliminated hidden dangers for the vegetable basket problem. The city == highly praised our work.
Compressing the collective and protecting the state battalion, focusing on supporting the state-owned retail enterprises to directly face the consumers, shoulder the arduous task of supplying the market and calming the price. The quality of the operation is significant to the market; and the collective management level is low and more Pursuing profitability, not taking responsibility for protecting the market. To this end, we have determined the loan delivery sequence of the pressure group, the state insurance, and the key support retail enterprises. This year, with the basic increase in commercial loans, the loans of 6 state-owned retail enterprises increased by 1.75 million yuan, while the 17 collective commercial enterprises fell by 2.32 million yuan. Due to our clear limits, the social and economic benefits of state-owned retail enterprises have been significantly improved. The purchase, sales and profits have been 40.79 million yuan, 67.88 million yuan and 1.79 million yuan, up 25.6%, 31.4% and 29.8 respectively over the same period of last year. %, the capital turnover was 7.5% faster than the same period last year.
Paying attention to the final review and doing a comprehensive reflection to enable commercial enterprises to achieve solid economic benefits and maintain the integrity of liquidity. At the end of the year, we recruited specialized personnel to review the benefits of all businesses and reviewed a false profit of 1.34 million yuan. And take decisive measures in a timely manner, urge the enterprise to adjust the accounting, to ensure the authenticity and accuracy of the year-end final accounts. This year, we also focused on comprehensive reflection work, and worked hard to be a good commander. We wrote a total of 249 economic activity analysis, survey reports, special summaries, papers, economic information, etc., and 169 articles were forwarded and accepted by relevant departments. The business vocabulary of comrades has also improved significantly.
4. Grasping political and ideological work and promoting clean government building This year, we have always regarded political and ideological work as an important part of our work, unswervingly implementing the party's line, principles, and policies, and consciously and resolutely resisting bourgeois liberalization. The erosion of thoughts. In order to punish corruption and revitalize the party's prestige, we also seized on the construction of a clean government, formulated an implementation plan, and resolutely did not eat, rude, not lend money, clean and honest, and built us into a united collective and fighting. Collective, energetic collective. 1989 has passed, and a new year is coming. We are determined to firmly implement the overall plan for rectifying the whole process, focus on adjusting the credit structure, re-innovate achievements, and then advance to a new level, vigorously promote the circulation of goods in the city, and develop the economy. Revitalize Liaocheng to contribute.