*Agricultural issue 2012 credit work summary

With the reform of the grain and cotton circulation system and the gradual adjustment of the functions of the agricultural distribution, the reform and development of the agricultural development has entered a new stage. In accordance with the unified deployment and arrangement of the sub-branch and the superior bank, the Ministry carefully studied and profoundly understood the spirit of the superior meeting and archives, analyzed the situation in a timely manner, conscientiously implemented the policy, strictly regulated the enterprise, standardized internal management, and effectively prevented credit risks to ensure the satisfaction. The completion of the annual management responsibility assessment indicators laid a solid foundation, so that the closed management of the acquisition funds maintained a good momentum.

1. Seriously implement policies to ensure the successful completion of all indicators

(1) The newly issued loans are consistent with the newly added inventory values.

As of this month, the Bank has issued a total of RMB XX million for grain and oil purchase loans, and accumulated a total purchase value of RMB XX million for deposits and cash of RMB XX million. The ratio of newly issued grain and oil loans to new acquisitions increased to xx. %.

(II) The recovery rate of grain and oil loans was XX%.

As of this month, the Bank has recovered a total of xx million yuan of loans, of which xx million yuan was recovered from the sale, xx million yuan was recovered from other sources, xx million yuan was recovered from returning farmland to forests, and XX million yuan was actually recovered from special subsidies. The sales income should be recovered from the loan of xx million yuan, and the recovery rate of grain and oil loans is xx%, which is xx percentage points higher than the provincial bank's approved target, and xx percentage points higher than last year.

(3) Loan interest recovery rate xx%

As of this month, the Bank's accrued loan interest was xx million yuan, and the actual loan interest was xx million yuan. The interest rate was xx%, up xx percentage points over the same period last year.

(4) Other unreasonable occupation of loans and misappropriation of misappropriated loans decreased by xx million yuan.

As of this month, other unreasonable loans of the Bank amounted to xx million yuan, down xx million yuan from the beginning of the year; and the misappropriation of occupied loans was xx million yuan, down xx million yuan from the beginning of the year.

(5) The utilization rate of credit funds is xx%.

From January to November, according to the statistics of the average balance of the year, the utilization rate of credit funds of our bank was xx%, which was xx percentage points higher than the approved index of the higher level.

(VI) The company has not changed the loan for the principal and interest.

As of the end of this month, our bank has digested XX million yuan of principal and interest loans. No change since the beginning of the year.

(7) Complete the agency insurance business.

As of this month, our department has completed the insurance task and realized a premium of xx million yuan, including xx million yuan for auto insurance and xx million yuan for property insurance.

Second, strictly in accordance with the requirements of standardized management, and effectively strengthen the basic work of credit

In the past year, our staff have worked hard together, pioneered and innovated, and paid close attention to the standardized management of business. They have implemented the standardized management requirements in a down-to-earth manner and effectively improved the credit management standards.

(1) According to the basic principles of “control risk, select superior support, whole process supervision, and timely recovery”, and take into account the new characteristics and new requirements of the transfer loan, pay close attention to the management of the three key links of loan placement, inventory supervision and collection and payment.

First of all, in the loan placement, our department pays attention to the risk management of loans, and the specific measures taken are: (1) Strict pre-lending investigation, review and approval procedures. In the early stage of the acquisition, the “Provisions on Current Acquisitions” and the “Interim Provisions on the Management of Acquisition Fund Loans” were formulated to provide detailed provisions on the scope and requirements of pre-lending investigations of credit officers, especially the investigation of sources of risk reserve funds, to ensure that the credit investigation materials are true. effective. (2) The loan review committee and the loan review office were set up in time according to the requirements of the superior bank, and the management mechanism for the separation of loans and loans was realized. In order to enhance the awareness of business management of corporate legal representatives, the implementation of “public loan private”---corporate legal representative residential mortgage procedures, as of this month, a total of xx mortgage loans, the amount of mortgage loans is xx million yuan. Implemented the management method of the maximum price limit for the transfer of grain. According to the credit support reference price issued by the provincial government in different periods, the Bank adjusted the loan delivery standard in time. In the fourth quarter, our department adjusted the credit support price twice. The rice was adjusted from xx yuan/kg to xx yuan/kg; the corn was from xx---xx yuan/kg; soybean was reduced from xx to xx yuan/kg; Funds that exceed the support price are resolved by the company itself. (6) Adhere to the loan application and reporting system. The loan officer checks the company's purchase code list on a daily basis, and registers the bank account in order to ensure that the acquisition loan is consistent with the progress of the grain purchase.

Secondly, on the basis of inventory supervision, on the basis of continuing to adhere to the outbound reporting system and the regular inventory system and warehouse receipt management, the following practices have been adopted: (1) It is clear that the stocks formed by different types of loans launched this year should be classified into separate warehouses. Custody, separate accounting, can not be mixed with "old grain" and other food. (2) A daily inspection inventory system was implemented. The loan officer must inspect the newly acquired grain every day and be familiar with the storage place of the new grain. (3) Set up temporary warehouse receipts in time to manage warehouse receipts for newly acquired food. (4) Improve the practicability of inventory checklists and working papers, check inventory on time, and prevent private sales and misappropriation of agricultural loans.

Third, in the collection and collection of interest rates, the loan officers track the sales activities of the company in a timely manner to ensure that the sales payment is returned in full and on time. At the same time, according to relevant regulations, the corresponding loan principal, interest and expenses shall be decomposed in a timely and accurate manner, and the sales account, commodity account and accounts receivable of the enterprise shall be tracked and managed, and the principal and interest of the loan shall be recovered in a timely and full amount, so that the receivables are fully collected.

(2) Clarifying the responsibilities of the personnel in each position, formulating the assessment plan for the headquarters, strengthening the internal management, and achieving satisfactory results in the standardized inspection and acceptance.

In accordance with the spirit of the reform of the personnel system of the provincial and municipal departments, the Ministry has set up 8 positions according to the specific conditions, namely: director post, deputy director post, fund planning post, credit comprehensive post, agency insurance management post, financial subsidy management post, Resident loan officer post, file management post. At the same time, according to the post, the corresponding quantitative assessment plan was formulated to clarify the people and responsibilities to the post. The deputy director of the credit department took the assessment of the staff of the headquarters, insisted on scoring on a monthly basis, cashed on a quarterly basis, and adopted a reward and restriction mechanism to improve the quality of work. At the same time, in response to the characteristics of the work of credit field personnel, the "Measures for the Evaluation of Loan Officers to the Countryside" was formulated, which effectively strengthened the management of labor discipline. In accordance with the new situation and new features encountered by the higher-level banks in the process of implementing the transfer loan, the Ministry timely adjusted the work ideas, timely and orderly issued the requirements for the peak season work, and revised the credit standardization text according to the characteristics of the transfer loan. Standardized business operations for credit business. In March 2005, in the province's organization of credit standardization and acceptance, our department ranked among the best in the province with outstanding achievements. This year, Jixi City Credit Department has inspected and accepted the standardization work of our department four times. Our department has achieved outstanding results and ranked first among all the xx regions. It has been highly evaluated and commended by xx lines.

(3) Strengthening basic management, giving full play to service functions, and effectively exerting the role of “barometer” in the business operations of the Bank.

First, all kinds of fixed statistical credit statements were accurately reported on time, and more than 2,000 interim reports were reported in time according to the requirements of the superior. As we all know, the characteristics of the interim report are to report the dynamic data in a timely and accurate manner in a short period of time. Due to the large volume of business of our bank, the feedback of business data is uneven, which often brings difficulties to the review and summary. In order not to delay reporting, overtime has become a commonplace. The identification of “old grain, old account”, “three checks and one implementation” and the report required for auditing are the focus of this year’s interim report. When entering the autumn grain purchase period, the interim report is increasing day by day, and several temporary reports are reported on average one day. There must be a description of the interim report. According to preliminary statistics, our department has formed more than 200 sets of more valuable temporary sets this year, and has written explanation materials for various types of temporary statements of nearly one million words. At the same time, in accordance with the management requirements of “integrity, timeliness and authenticity” proposed by the Ministry of Credit, strengthen and improve the archival management of the temporary report of the credit plan, and bind all the temporary statements into a book, archive management, and truly do To the idea of ​​“letting information to speak and serving decision-making”, we have established and improved statistical accounts such as credit plans, cash plans, and financial subsidies, and timely, truthfully and comprehensively recorded the status of fund and credit project management activities, that is, future credit funds. Project management provides a basis for reporting business decisions for the Bank. Secondly, do a good job in statistical analysis of credit officers' accounts and monthly reports. It will be able to register the computer accounts in a timely and accurate manner according to the regulations, and form a monthly report, and write a report on the credit operation of the quality of the purchase and sale enterprises for each enterprise's use of funds, financial status of the enterprise, and sales of goods.

(4) Seriously measure the demand for credit funds, and strive to accurately and timely prepare the fund plan.

Strict capital scale management, special loan scale application by pen, ensuring no over-scale, no project loan issue, real-time monitoring of the use of funds; strengthen fund scheduling to ensure that the fund utilization rate remains high; strict capital position limit management Adhere to the report of capital demand plans in advance, small-scale transfer of credit funds, ensure timely and full supply of credit funds, reduce the occupation of idle funds, and ensure that the utilization rate of credit funds remains at a high level.

(V), business management analysis to "analyze the use of" as the goal, improve the quality of analysis, and constantly improve the business management analysis.

First, adopt a combination of special analysis and comprehensive analysis to improve the pertinence and guidance of business management analysis. According to the new situation of the reform of the grain system and the adjustment of the agricultural issuance business this year, the business analysis proposed by the Ministry in time should be analyzed and applied. This year, in addition to the monthly analysis of the business operations of the whole bank, Each month, according to the work priorities of different periods, a special analysis was carried out. For example, January-February is the season of grain purchase. In view of the new characteristics of non-protection price acquisition this year, the risk of non-protection price loan is analyzed, and the causes of risk are analyzed and countermeasures and opinions for risk prevention are proposed. 3-6 The month is the season of grain sales returning. It focuses on the analysis of grain sales, analyzes the problems in grain sales management, and puts forward the verification method of grain sales. And for this year's non-protected price corn sales market is not good. At the appropriate time, the promotion of non-protected price corn promotion was made, and efforts were made to achieve zero-year non-protection price loans. According to the current main factors affecting the price change of grain and cotton market, the paper analyzes the strategies and suggestions of operation management. In July and August, it focuses on the analysis of the “three investigations and one implementation” rectification process, analyzes the reasons for losses, and proposes In the next step, the focus of commodity grain inventory supervision; in October, combined with the enterprise Chenhua grain identification, the paper analyzed the quality of the grain purchase and sale assets of the whole bank and put forward specific measures to strengthen asset management. Second, strengthen investigation and research, provide conclusive information for business analysis, and make business analysis more realistic. Without investigation, there is no right to speak. Investigation and research have an extremely important role in doing business business analysis. In 2005, our department organized credit officers to carry out various forms of research activities. 1 In response to the new situation and new problems facing the current food reform, we will submit special research materials in a timely manner to the higher-level bank. “How should the Agricultural Development Bank face the new situation and new problems encountered in the current grain reform?” 2 According to the requirements of “differential treatment and classification guidance”, how to further strengthen credit plan management in the circulation loan business, play a huge role in the regulation and control of the project, and prevent and resolve credit risks. 3 On the new issue of the current reserve grain rotation, the loan officer is required to investigate and understand the inventory structure, loan structure and normal operation and management of the reserve grain and oil, and explore the future development trend of the grain and oil loan and the marketization conditions. The principle of “treatment, classification guidance”, improve existing reserve loan management methods, and further prevent credit risks. Through research, it is helpful to analyze new changes in business operations and solve new problems in closed management activities.

With the goal of promoting cash and interest rate management to a standardized track, we will strengthen inspection and supervision, strictly manage accounts, and correct mistakes.

In accordance with the standardized management requirements of the system at the beginning of the year, the Ministry of the People's Republic of China conducted a comprehensive inspection of the cash use, interest rates, commodity inventory and sales of the purchase and sale enterprises within the jurisdiction. On the basis of the self-examination of the loan officers, the credit officers were organized to carry out a major inspection of the credit basic work in four times throughout the year, and the results of the inspection were reported to the branch in a timely manner. For the problems found in the inspection, our department can take timely measures to correct and correct the deviations, so that all management measures can be implemented. Second, do a good job in publicizing and explaining the cash and interest rate policies. In 2005, the Bank's accounting subjects and deposit and loan interest rates were all significantly adjusted, causing corresponding changes in the loan interest rate policy. In order to enable the credit officers to accurately implement the loan interest rate policy, our department has combined the (Agricultural Development Bank [2005] No. 238 file spirit to clarify the interest rate implementation standards for each loan accounting subject, and the form is issued to each loan officer. With reference to the implementation, it was generally welcomed by credit officers. At the same time, the interest rate policy was uploaded and released, and the business department was communicated in time to implement the interest rate management. Since the beginning of this year, the Ministry has earnestly implemented the cash flow from the local People's Bank and the higher authorities. Plan to consciously do a good job in cash placement. Strictly control the cash withdrawal range, carefully construct a daily cash analysis statement in accordance with the requirements of the People's Bank of China and the superiors, clarify the source, and use it daily for registration; insist on strengthening large-scale cash management, improve the internal approval system, and eliminate Unreasonable large-value withdrawal; at the same time, the account management regulations have been earnestly implemented, the management of cash inventories of account-opening enterprises has been strengthened, and the cash reserves of the storage enterprises have been approved according to regulations. The correct implementation of various interest rate policies has been adopted as a guarantee to close the acquisition funds. An important work to ensure the operation of the agricultural distribution Arrested. Correct implementation of the interest rate policy, in accordance with the requirements and standards, better play the interest rate leverage.

Third, based on the current, do a good job in all stages of work

With the further deepening of the grain circulation system reform, the agricultural distribution credit work has encountered new problems and difficulties, the work focus has changed, and the stage tasks are more serious. In strict accordance with the spirit of the archives of the higher-level banks, the spirit of the conference and the resolution of the executive committee, the Ministry held a special business research conference in time to arrange the relevant work in detail. After intense and efficient work, the various tasks were successfully completed.

(1), the old and the new, do a good job in data archiving and various carry-over work

All the files, statements, ledgers, documents, relevant materials, etc. in 2004 were sorted, sorted and archived one by one, and they were neatly arranged.

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