Summary of the work of rural credit cooperatives in XX
In the past year, under the correct leadership and guidance of the County Association and the town party committee and the town government, the company has conscientiously implemented the party's financial policies and policies, deepened financial reforms, strengthened management and improved service quality, and basically completed various projects. Task indicators, as of December, the balance of various deposits was 63.08 million yuan, an increase of 1.1 million yuan over the beginning of the year, the balance of various loans was 50.63 million yuan, the cumulative loan was 60.98 million yuan, the accumulated loan recovery was 58.65 million yuan, and the total financial income was 5.08 million yuan. The total profit is 1.04 million yuan. It shows a good situation in which the business develops steadily, the capital operation is reasonable, the economic benefits are good, and the civilized construction has achieved remarkable results. The work of the year is summarized as follows:
First, adhere to learning, improve the quality of all staff
The times are advancing and the society is developing. Only by building a high-quality workforce can we survive and develop in the increasingly fiercely competitive financial industry. The basic way to improve the quality of the team is to consistently study politics and business knowledge. To this end, we have deployed according to the arrangements of the Party Committee and the town government of the town, and organized many employees to carry out learning and education activities in combination with the actual situation. The main contents of the study are: "Safety", "Savings", "Credit", "Accounting" "", "Cashi", also often organize employees to learn business department files, newspapers and magazines and financial regulations. The activities of learning and teaching have been carried out with great enthusiasm, and there are arrangements and summaries. Through the implementation of these activities, the party discipline, political discipline, legal concept and business skill level of the credit union staff have been improved, so that the cadres and workers have significantly improved their ideological concepts, political progress has been made, and discipline has been significantly enhanced. People consciously abide by the law and discipline, diligent and honest, and promote the stable operation of credit cooperatives with a high-quality service attitude.
Second, civilized service, shaping a good public image
Credit union is a window industry. Our company shoulders the "three rural" work of serving "one town and four townships". In the high-quality civilized service, we adhere to the development policy of "serving the society, promoting the society and promoting the industry", and actively carried out civilized activities such as establishing a good public image. The first is to regulate the use of civilized terms, especially telephone civilization. The second is to implement the reception system for the old customers and large customers. In the service work, the service concept of “Emotional people, Zhiqi people, and loan assistance” is explored. The third is to improve and beautify the business department building and the branch office and office to improve the service environment. In the business offices and offices of various business outlets, we have added convenient facilities such as chairs, sofas, reading glasses, etc., and decorated all the civilized systems, civilized service commitments, civilized terms, interest rate cards, and civilized post supervision desks. The customer, the staff was alerted; the bonsai flower was set up in the interior, corridor and office. It has created a beautiful, elegant, clean and warm service environment and established a good service image. The fourth is to improve the various management systems within the society, use the system to manage people, restrain people, and have attendance to work, attendance, registration, work records, learning records, assessments, and work. Through these efforts, we have shaped the good image of our society and have been widely praised by all walks of life. Third, the urgency of the peasants, find ways to raise funds to support the production of spring ploughed summer grain in this area
Although the total amount of deposits of our company has been increasing in recent years, due to the wide support of our society, the existing funds are still difficult to meet the demand for loan funds, especially during the spring ploughing period, the funds of farmers are large, and the financial strength and credit power of the whole society. Both are relatively inadequate. In order to ensure that the majority of farmers do not mistake the farming, our agency timely transferred 3.5 million yuan to the credit union for the production of agricultural support, while also organizing personnel, in-depth investigation of agricultural production in the village, to understand the focus of supporting agriculture. As of December, our agency has issued a total of 60.98 million yuan of loans, of which a total of 56.26 million yuan of agricultural loans were issued, and the proportion of loans to farmers was 92.26%, and 7529 households were supported. The support was over 58%, basically solving the farmers. The urgently needed spring cultivation and summer agricultural production funds have played a positive role in promoting the development of agriculture and rural economy.
Fourth, actively cooperate with the preparatory work group for the reform of the association, and do a good job in raising funds for the old shares and the new share capital.
According to the spirit of the establishment of the first-level legal person-related archives of the county credit cooperatives reform this year and the deployment of the county credit cooperatives reform preparatory work group. Our company has retired the old shares of 14029.44, and cleared 6547 households, accounting for 12,524.21 yuan. For the 924 households that could not be retired, 1505.23 yuan was calculated and packaged. The company raised 286XX yuan of natural person shares and raised 396,000 yuan of employee shares. Strong support for the progress of the reform work.
V. Strengthen internal control and attach importance to safety and security work
In XX, according to the work arrangement of the County Associated Press and relevant departments, our agency comprehensively implemented various safety precautions and comprehensive treatment measures, eliminating various safety hazards and ensuring the safety of our company without accidents.
In order to improve the prevention ability, the county association approved this year, we renovated the purchased complex, and moved into business in August. We also renovated the business site of the Johor Bahru branch and installed bullet-proof glass, which was carried out for Toyo. Necessary improvements, replacement of old lines, installation of security doors. Our security and prevention capabilities will be fundamentally improved. Thereby further improving the defense capabilities of our company.
In short, in the past year, our company has achieved good results and has basically completed its tasks. However, in the work, there are still many problems that need to be solved urgently. Such as the instability of deposits, the lack of funds, the difficulty of clearing the original foundation loans and credit management. Therefore, the focus of XX's work in the year is: First, continue to increase the intensity of deposits and increase the total amount of deposits; second, continue to increase efforts to clear and revitalize non-performing assets. The third is to strengthen the management of maturity loans, further increase the rate of interest, and strive to reduce the proportion of non-performing loans per month and improve the utilization of funds. The fourth is to do a good job in the investigation of agricultural loans and prepare for the spring farming production funds. The fifth is to strengthen the management of the write-off loan, change the traditional ideas, and issue the task of collecting the write-off loan to the loan officers, and link it with the individual benefit award; sixth, continue to strictly control the expenses and ensure the completion of the XX year work tasks. .
First, adhere to learning, improve the quality of all staff
The times are advancing and the society is developing. Only by building a high-quality workforce can we survive and develop in the increasingly fiercely competitive financial industry. The basic way to improve the quality of the team is to consistently study politics and business knowledge. To this end, we have deployed according to the arrangements of the Party Committee and the town government of the town, and organized many employees to carry out learning and education activities in combination with the actual situation. The main contents of the study are: "Safety", "Savings", "Credit", "Accounting" "", "Cashi", also often organize employees to learn business department files, newspapers and magazines and financial regulations. The activities of learning and teaching have been carried out with great enthusiasm, and there are arrangements and summaries. Through the implementation of these activities, the party discipline, political discipline, legal concept and business skill level of the credit union staff have been improved, so that the cadres and workers have significantly improved their ideological concepts, political progress has been made, and discipline has been significantly enhanced. People consciously abide by the law and discipline, diligent and honest, and promote the stable operation of credit cooperatives with a high-quality service attitude.
Second, civilized service, shaping a good public image
Credit union is a window industry. Our company shoulders the "three rural" work of serving "one town and four townships". In the high-quality civilized service, we adhere to the development policy of "serving the society, promoting the society and promoting the industry", and actively carried out civilized activities such as establishing a good public image. The first is to regulate the use of civilized terms, especially telephone civilization. The second is to implement the reception system for the old customers and large customers. In the service work, the service concept of “Emotional people, Zhiqi people, and loan assistance” is explored. The third is to improve and beautify the business department building and the branch office and office to improve the service environment. In the business offices and offices of various business outlets, we have added convenient facilities such as chairs, sofas, reading glasses, etc., and decorated all the civilized systems, civilized service commitments, civilized terms, interest rate cards, and civilized post supervision desks. The customer, the staff was alerted; the bonsai flower was set up in the interior, corridor and office. It has created a beautiful, elegant, clean and warm service environment and established a good service image. The fourth is to improve the various management systems within the society, use the system to manage people, restrain people, and have attendance to work, attendance, registration, work records, learning records, assessments, and work. Through these efforts, we have shaped the good image of our society and have been widely praised by all walks of life. Third, the urgency of the peasants, find ways to raise funds to support the production of spring ploughed summer grain in this area
Although the total amount of deposits of our company has been increasing in recent years, due to the wide support of our society, the existing funds are still difficult to meet the demand for loan funds, especially during the spring ploughing period, the funds of farmers are large, and the financial strength and credit power of the whole society. Both are relatively inadequate. In order to ensure that the majority of farmers do not mistake the farming, our agency timely transferred 3.5 million yuan to the credit union for the production of agricultural support, while also organizing personnel, in-depth investigation of agricultural production in the village, to understand the focus of supporting agriculture. As of December, our agency has issued a total of 60.98 million yuan of loans, of which a total of 56.26 million yuan of agricultural loans were issued, and the proportion of loans to farmers was 92.26%, and 7529 households were supported. The support was over 58%, basically solving the farmers. The urgently needed spring cultivation and summer agricultural production funds have played a positive role in promoting the development of agriculture and rural economy.
Fourth, actively cooperate with the preparatory work group for the reform of the association, and do a good job in raising funds for the old shares and the new share capital.
According to the spirit of the establishment of the first-level legal person-related archives of the county credit cooperatives reform this year and the deployment of the county credit cooperatives reform preparatory work group. Our company has retired the old shares of 14029.44, and cleared 6547 households, accounting for 12,524.21 yuan. For the 924 households that could not be retired, 1505.23 yuan was calculated and packaged. The company raised 286XX yuan of natural person shares and raised 396,000 yuan of employee shares. Strong support for the progress of the reform work.
V. Strengthen internal control and attach importance to safety and security work
In XX, according to the work arrangement of the County Associated Press and relevant departments, our agency comprehensively implemented various safety precautions and comprehensive treatment measures, eliminating various safety hazards and ensuring the safety of our company without accidents.
In order to improve the prevention ability, the county association approved this year, we renovated the purchased complex, and moved into business in August. We also renovated the business site of the Johor Bahru branch and installed bullet-proof glass, which was carried out for Toyo. Necessary improvements, replacement of old lines, installation of security doors. Our security and prevention capabilities will be fundamentally improved. Thereby further improving the defense capabilities of our company.
In short, in the past year, our company has achieved good results and has basically completed its tasks. However, in the work, there are still many problems that need to be solved urgently. Such as the instability of deposits, the lack of funds, the difficulty of clearing the original foundation loans and credit management. Therefore, the focus of XX's work in the year is: First, continue to increase the intensity of deposits and increase the total amount of deposits; second, continue to increase efforts to clear and revitalize non-performing assets. The third is to strengthen the management of maturity loans, further increase the rate of interest, and strive to reduce the proportion of non-performing loans per month and improve the utilization of funds. The fourth is to do a good job in the investigation of agricultural loans and prepare for the spring farming production funds. The fifth is to strengthen the management of the write-off loan, change the traditional ideas, and issue the task of collecting the write-off loan to the loan officers, and link it with the individual benefit award; sixth, continue to strictly control the expenses and ensure the completion of the XX year work tasks. .
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