Bank's first half of the work summary

In the first half of the year, under the correct leadership of the provincial party committee, the Bank earnestly implemented the spirit of the provincial agricultural branch branch president meeting at the beginning of the year, focused on the work, highlighted the rational development, continued to do a good job in customer marketing, comprehensively solidified the basic management, and made great efforts. Preventing credit risks and working hard to improve the quality of credit assets have strongly supported the transformation of silver cities and the construction of new countryside.
1. In the first six months after the completion of the operational indicators, the Bank's business operations showed the characteristics of “two reductions, three increases, four declines”, namely:
- The loan balance is reduced. As of the end of June, the bank's loan balance was 138.39 million yuan, a decrease of 160.58 million yuan from the beginning of the year, down 10.4%.
- Increase in per capita deposits. At the end of June, the balance of various deposits was 238.59 million yuan, and the per capita deposit was 2.86 million yuan, an increase of 720,000 yuan over the same period of last year, an increase of 33.64%.
- Increased total profit. In the case of an increase in various expenses, the book profit in the first half of the year was 8.32 million yuan, an increase of 340,000 yuan, an increase of 4.3%.
-- Non-performing loans and the decline in the proportion. At the end of June, the balance of non-performing loans of the Bank was 44.6 million yuan, down 8.12 million yuan from the beginning of the year, accounting for a decrease of 0.19 percentage points.
- The income cost rate has dropped. At the end of June, the Bank's revenue cost ratio was 14.03%, down 1.4% year-on-year, lower than the provincial branch target value of 5.97%.
-- Asset profit margins have fallen. At the end of June, the profit margin of our bank was 0.56%, down 0.24 percentage points year-on-year.
-- Intermediate business income declined. In the first 6 months, the bank's intermediary business income was 94,000 yuan, and the per capita intermediary business income was 1044 yuan, down 284 yuan year-on-year.
-- The number of loan accumulations has decreased. In the first half of the year, the Bank invested a total of 340.08 million yuan of various loans, a decrease of 64.49 million yuan, a decrease of 17.5%.
- The number of loan receipts increased. From January to June, the Bank recovered a total of 465.1 million yuan of loans, an increase of 82.49 million yuan, an increase of 21.65%.
Second, the main work and effectiveness                                           

Clearly focus on work and continue to focus on customer marketing.
1. Based on project loans, actively support the urban transformation of Baiyin City. First, earnestly implement the “Customer Marketing Plan” at the beginning of the city branch, and adopt a cross-investigation and joint investigation of cities and counties to vigorously market project loans. In the first 6 months, the Bank accepted and investigated 97 loans and 111.651 million yuan of various loans, including 18 new marketing loan projects and 69.92 million yuan; reported to the provincial branches of Guotou Wind Power, Yinzhu Power, Zhongrui Land, etc. The project loan of 30 million yuan or more is 5 yuan and 660 million yuan. It has been approved by the provincial branch for one or 40 million yuan. The second is to focus on the transformation of the city of Baiyin City and deepen the marketing of low-risk loans. On March 17 this year, Baiyin City was listed as the first resource-transforming city by the state. Among the 38 transformation projects planned by the municipal party committee and the municipal government, 30 projects with loans of 6.5 billion yuan were in line with the agricultural issuance credit policy. Based on this, the Bank seized the opportunity and actively participated in and supported the urban transformation of Baiyin City. In early May, in conjunction with the Municipal Development and Reform Commission and the People's Bank of China, the “five docking” meeting including the docking of financial institutions and small and medium-sized enterprises was held, and 8 intentional loan agreements were signed, with an annual loan agreement of 280 million yuan. At the end of June, the municipal township enterprise bureau was assisted to convene the city's farm animals. The product processing industry staged a summary meeting on economic transformation, and selected 22 agricultural and livestock industry loan projects.

The total capital demand is 3.2 billion yuan, and the application for bank loans is 1.4 billion yuan. Among them, 14 projects have previously established a working capital relationship with the Bank of 160 million yuan.
2. According to the status quo of grain reform, we will support agriculture and food production steadily. First, under the premise of conscientiously implementing policies and ensuring the normal purchase of funds, the company appropriately controlled the amount of grain and oil purchase loans, promoted the warehouse, and actively adjusted and optimized the loan structure. From January to June, the Bank issued a total of 137.52 million yuan of grain and oil purchase loans, a year-on-year decrease of 101.96 million yuan; supported enterprises to purchase 109.64 million kilograms of grain and oil, a year-on-year decrease of 27.19 million kilograms; the company sold a total of 26,904,000 kilograms of grain and oil. 481.08 million yuan, an increase of 45.83 million kilograms and 166.01 million yuan. Second, it will gradually support the establishment of municipal and county-level grain and oil reserves, stabilize the regional agricultural market, and constantly seek new growth points for traditional businesses. In the first half of the year, the Bank issued a county-level grain reserve loan of 10 million yuan and 1.62 million yuan to the Huining County Grain Corporation and the Hechuanchuan Lachichi Warehouse respectively, supporting the establishment of county-level grain reserves of 6.5 million kilograms and 1 million kilograms. The third is to base on order farming, optimize the main body of loan, and fully support spring farming in all counties. This year, we implemented the concept of “supporting and increasing” agricultural support, and introduced a contractual purchase loan of 68 million yuan, which is mainly engaged by state-owned grain purchase and sale enterprises, which was reduced by 16.9 million yuan year-on-year; The loans for agricultural small business loans and industrialized leading enterprises were 62 million yuan. The two totaled 130 million yuan, an increase of 45.1 million yuan year-on-year; the implementation of the order area of ​​258,800 acres, an increase of 113,800 acres.
3. Combine the advantages of the county and district, and vigorously promote deposits and intermediary business. First, it will absorb the fiscal deposits of various counties and districts and link the total amount of loan support to the county. The Huining County Branch will sell 36.39 million yuan of financial agriculture-related funds in the first half of the year. Second, it will link the absorption of interbank deposits with the promotion of cooperation with other financial institutions. Jingtai County Branch will sell 10 million yuan of inter-bank deposits from local rural credit cooperatives. The municipal branch sales department will sell 15 million yuan of interbank deposits of Baiyin City Credit Cooperative last year. This year, I will sell another 5 million yuan. The third is to link the intermediary business marketing with the improvement of agricultural issuance and settlement means. By the end of June, the Bank had handled a total of 16 bank acceptance bills and 9.5 million yuan. The fourth is to support the development of customers and participate in the insurance business of agricultural distribution agency. In the first 6 months, the Bank has handled 65 insurance services and 125.62 million yuan, and realized agency premium income of 70,000 yuan.                       

Highlight rational development and fully prevent and control credit risks.
In order to further consolidate the credit management foundation, the Bank determined 2019 as the “reorganization and standardization year” of the city's agricultural issuance credit business, starting from seven aspects: “inspection, regulation, monitoring, prevention, collection, disposal, and term management”. Control and resolve loan risks and strive to improve the quality of credit assets.

First, we will continue to intensify the inspection and rectification of problems. In the first half of the year, the Bank conducted a full-line credit check four times around the “Three-investment Loan Self-checking Self-checking Program” and “Loan Compliance Use Audit Program”, and found that there were 9 categories and 127 non-standard issues; All rectified in place. The second is to comprehensively standardize the credit management. In January of this year, 400 credit files of the city since XX years were centrally organized and archived; strict loan procedures, from April onwards, the integrity and standardization of loan information of various departments and related departments, and the timeliness of loan processing The regulations are included in the assessment of the city and county, and the performance appraisal salary is 860 yuan. The third is to do a good job in monitoring and controlling overdue loans. In the first half of the year, we monitored 100% of the overdue loans and 3XX million yuan on a case-by-case basis. Using off-site supervision and full recovery to overdue commercial loans and interest rates, we found and resolved the warning information and rigid constraints of the cmXX system. . The fourth is to urge the loan officers to strengthen supervision throughout the process. Strictly implement the “post-loan supervision monthly reporting system” for loan officers. In the first 6 months, a total of 108 post-loan supervision reports were reviewed, and 13 risk problems were identified. 13 suggestions for improvement were proposed. In the beginning of June, “Citywide Credit” was organized in Jingtai County. After the post-employment supervision and debriefing meeting, the evaluation of the quality of the report, the supervision of the enterprise, the on-site question and answer, the rigid constraint of the cmXX system, and the business operation status of the company were evaluated, and the supervisory loan officer was urged to implement the responsibility and strengthen supervision. The fifth is to fully collect bad loans. Through early planning, monthly task placement, clear collection of priorities, and timely assessment, the Bank cleared a total of 8.12 million yuan in non-performing loans in the first half of the year, and completed 105% of the annual clearing tasks of provincial branches. At the end of June, the balance of loans of the whole bank fell by 160.58 million yuan compared with the beginning of the year, and the proportion of non-performing loans decreased by 0.19 percentage points. The sixth is the effective disposal of the risk of overdue contract acquisition loans. Give full play to the government's role as a credit platform in agricultural support for agricultural orders. In early June, the Huining County Party Committee and the county government convened a meeting of 17 township leaders in the county to support the agricultural issue for half a month to fully recover the XX year to overdue contract purchase loan. 31 million yuan. The seventh is to strengthen the management of loan maturity. Mainly in the support of Jingtai County beer barley, according to the company's business cycle, risk tolerance and loan guarantee capacity to determine the loan period, pay close attention to the loan to overdue situation, strengthen inventory supervision, increase sales promotion, in accordance with the corporate settlement cycle The purchase of bulk agricultural and sideline products was returned to the market in a timely manner, and the loan recovery situation of the previous year was linked to the new loan. The company hoped to realize a loan of 95.94 million yuan and 62.37 million kilograms of inventory before the arrival of the new business cycle in late July and early August. Zero knot."

Focus on business development and continuously strengthen internal management.                        
This year, we adhere to the principle of “internal and external repair”. On the one hand, we will strive to expand the credit business. On the one hand, we will pay more attention to the meticulous establishment of the secondary branch operation and management platform, and comprehensively carry out various internal management tasks. First, in accordance with the requirements of “capacity control, balanced implementation, timely adjustment, and flexible management”, the capital operation and position limit management were strengthened. In the first half of the year, the average position occupied 2.945 million yuan, a year-on-year decrease of 1.714 million yuan, and the monthly average capital utilization rate reached 102.28%. The second is to further standardize and improve the performance appraisal system of the city and county, focus on key work, dynamically adjust the score, increase the strength of the link, and refine the post to the person. In the first 6 months, the assessment fee of each grassroots department is 325,000 yuan. 1.86 million yuan, deducted 42,000 yuan; linked performance salary of 14,000 yuan, reward 780 yuan, deducted 39.4 million yuan; linked to the city branch office assessment costs 2800 yuan. The third is to stratify and improve the "weekly meeting system", strengthen the implementation of the executive force, and further improve the work efficiency and quality of cadres and workers. In the first half of the year, the municipal branches organized a weekly meeting of 19 meetings, arranged 514 work, and actually completed 509 projects, and the work completion rate reached 99%. The fourth is to strengthen the management of accounting and accounting, and monitor the recovery of loan interest on a case-by-case basis, and strive to improve the profitability. The loan interest recovery rate in the first half of the year reached 70.14%, which was the same as that of the previous year. The fee reporting program was standardized to create “Sunshine Finance”, especially The “first-hand” of each department has directly imposed the prohibition requirements on the expenses and purchases. Fifth, strengthen internal control and security work in a timely manner, further strengthen inventory cash, important blank vouchers and ic card management; comprehensively strengthen security and firearms equipment management around the overall situation of China's "Olympic Year" in this year, to ensure business operations and The work is safe and sound.
Adhere to the people-oriented and deepen the corporate culture.
While actively promoting the effective development of business and striving to improve the quality of credit assets, we adhere to the principle of "two corrects, two promotion" and comprehensively carry out all aspects of corporate culture construction. First, the study was included in the first part of the work. Through the party committee, the central group study meeting, the executive meeting, the weekly meeting and other forms, all the staff of the whole bank and 100% learned the relevant files and system methods of the higher-level bank, and strengthened the team. Construction, and strive to improve the quality of employees. The second is to make full use of the “President’s Reception Day” to carry out talks with 56 cadres and workers of the city and county, strengthen communication and exchanges between leaders and employees, and effectively solve some hot and difficult issues that everyone cares about, further consolidating the “Fengzheng The harmonious situation of "smoothness, peace of mind, strength, and excellence". The third is to establish a brand-new corporate image, unify the office supplies, set up an image column, support the pre-class music, standardize the format of the text and information reporting, and coordinate with the city credit cooperatives several times to complete the posting and hanging work of the external image logo. . The fourth is to carry out in-depth institutional culture and professional culture construction. According to the nature of the work of the department and the requirements of the staff, collect, refine, write and post 22 collective ideas and 48 individual maxims; organize employees to seriously study the staff of China Agricultural Development Bank formulated by the head office. Code of Conduct, watched the etiquette video lectures; carried out the cultural month activities in sequence, organized employees to carry out field development training in Liujiaxia in mid-June; formulated, revised and improved various system methods, and collected the current 40 internal management systems. In the beginning of June, the compilation and distribution of the corporate culture "Internal System Compilation" was completed. The fifth is to actively organize and participate in the "love of love" activities. After the devastating earthquake in Wenchuan County on May 12, the Bank actively responded to the call of the Party Central Committee, the State Council, the head office and the provincial branch party committee, and the emotional disaster area and all the operatives, with a total donation of 37,900 yuan; 145 donated clothes and 31 beds. One box of soap and disinfectant each, to help the compatriots in the disaster area to tide over the difficulties and rebuild their homes, we have done our best.

Third, the difficulties and problems                       
First, the city's urban transformation has a large demand for credit funds, which provides us with a rare opportunity for development. It is suggested that the provincial branches can give the Bank a special policy of special credit or special loan for urban transformation. Second, the grain improvement exhibition was slow. The capital shortage of 51 enterprises in the city was 21.28 million yuan, which caused potential risks to the security of the Bank's loans. Third, the demand for follow-up loans of major customers such as Datang Wind Power and Guotou Wind Power, which have been marketed by the Bank, is urgent, which poses certain challenges to the Bank's follow-up marketing and customer maintenance work.
Fourth, the work in the second half of the year intends to focus on supporting the acquisition of summer grain. We will conscientiously implement the policy requirements of the State Council, the China Banking Regulatory Commission and the General Branch on supporting agriculture and food production, fully tap the local traditional customer resources, and, under the premise of ensuring the supply of funds for the acquisition of existing grain enterprises, select the other grain purchase and sales enterprises that meet the conditions. Credit support work to consolidate and develop traditional businesses.
Continue to do a good job in loan marketing. According to the national policy of financial institutions supporting the transformation of resource-based cities, on the one hand, they actively apply to provincial branches and head offices for special credit or special loans for sustainable development of resource-based cities; on the other hand, according to the Bank of China's Bank of China's 2019 “customer marketing” Planning, actively do a good job in the reserve, cultivation and marketing of key project loans within the jurisdiction.
Fully prevent credit risks. We will still put risk prevention at the top of all work. In accordance with the principle of “stable operation, heavy speed, and more quality”, we will intensify inspection and rectification efforts, standardize loan handling procedures, conduct timely monitoring and control, and comprehensively prevent loan risks. Receive non-performing loans and strive to improve the quality of credit assets.
Comprehensively strengthen internal management. Improve various systems, standardize operational procedures, and carry out in-depth implementation of construction; establish correct awareness of capital planning, strive to achieve optimal allocation of borrowing funds; establish a scientific performance appraisal system, further promote post management and performance appraisal; strengthen internal Control and security to ensure business operations and safe operation of all work.
Deepen the corporate culture. Actively explore the incentive mechanism that is conducive to improving the overall quality of employees; continue to focus on the deep corporate culture construction centered on institutional culture, behavioral culture, and professional culture, enhance employees' centripetal force and sense of belonging, create a harmonious working environment, and strive to do To the development of agriculture-based, people-oriented and promote harmony.                     
Complete business objectives. Further play the role of the secondary branch management platform, establish a strong concept of cost-effectiveness, increase revenue and reduce expenditure, diligently operate, strictly control expenditures, continuously expand revenue sources, further increase interest rate, strive to improve operational efficiency, and ensure comprehensive and balanced completion. The goals and tasks of the year.