Summary of the work of credit unions in 2019

Since the beginning of this year, under the correct leadership of the Municipal Office and the local party and government, our county association has taken the "three represents" as the guide, and has expanded its strength, turned losses into gains, and increased internal management, optimized asset structure, and resolution. Financial risks have comprehensively improved the management and management level of credit cooperatives, and various tasks have made good progress.
I. Completion of various objectives
(1) Business objectives
At the end of December, the balance of various deposits was 542.93 million yuan, an increase of 63.67 million yuan from the beginning of the year, and 106% of the city's 60 million yuan plan was completed.
2. The balance of the share capital was 25.06 million yuan, an increase of 8.51 million yuan from the beginning of the year, and 112% of the plan of the city office of 7.6 million yuan was completed.
3. At the end of December, the balance of various loans was 418.82 million yuan, an increase of 50.30 million yuan from the beginning of the year, and the plan for the city's 50 million yuan was completed. Among them, the new agricultural loan was 43.71 million yuan, accounting for 87.4% of the new loans.
4. At the end of December, the balance of non-performing loans was 179.5 million yuan, down 13 million yuan from the beginning of the year, accounting for 104% of the city's plan of 12.5 million yuan. Non-performing loans decreased by 9.38 percentage points compared with the beginning of the year, which was 9.26 percentage points lower than that of the municipal government. More than 0.12 percentage points.
(2) Financial management objectives
1. At the end of December, the county credit cooperatives realized an operating income of 21.13 million yuan, operating expenses and taxes of 224.8 million yuan, and a loss of 1.35 million yuan.
2. Among the 13 legal person associations in the county, 7 credit unions realized a surplus, and 6 credit unions suffered losses, with a loss of 46.2%, completing the municipal office plan.
3. The comprehensive expenses at the end of the year amounted to 6.09 million yuan, and the comprehensive expense ratio reached 29.3%. Both the cost and the expense rate were controlled within the regulations of the municipal office.
4. The annual interest income was 16.78 million yuan, and the income rate of 100 yuan was 4.2%.
(3) Internal management objectives
1. Safe operation objectives, no safety cases occurred throughout the year, and safety operations were realized without accidents.
2. Reported 33 papers of the Municipal Office's "Newsletter" throughout the year, and published 31 articles in newspapers and periodicals above the provincial level, including 9 theoretical research articles, which successfully completed the annual tasks of the Municipal Office.
Second, the main practice
(1) Unswervingly grasping the deposit work, the credit union's financial strength has been significantly improved.
In the past year, under the correct leadership of the party committee of the association, the county's cadres and workers have united and worked hard, making the growth of various deposits the highest record ever recorded in our county. By the end of December, the county's deposits increased by 63.67 million yuan, an increase of 36.52 million yuan over the XX years of the best years in history.
It is no accident that such achievements are achieved. Under the circumstance of slow economic growth and fierce competition in the same industry, the cadres and workers of the county carried forward the entrepreneurial spirit of “liberating the mind, seeking truth from facts, advancing with the times, and supernormal development”, creating an extraordinary work. recording.
The deposit work in XX is the year in which the party committee of the association spends the most energy. First, start early, plan carefully, and build a “high platform” for deposits. At the XX work conference, the Associated Press took deposit work as the top priority of all work and put forward the slogan “Deposit is the top priority” and formulated detailed work ideas on how to do a good job in deposits. All the societies are required to take measures such as strengthening organizational leadership, focusing on publicity services, establishing a high-quality customer base, and improving the incentive mechanism. The deposit work is focused on the big goals, starting from the nuances, breaking through the big customers, and developing from the full staff. The deposit work is done in a fine manner; the second is to assess the situation and always take the deposit "bovine nose". In response to the trend of deposits in the county, the party committee of the association has held special meetings and actively took countermeasures to come up with plans to ensure that deposits operate according to the planned orbit. Due to the “individual differences” in the deposit work of various social organizations, the party committee of the association regularly finds the weak links in the operation of the credit cooperatives, and finds out the weak links in their operations. It is a matter of ideological style. It immediately rectifies the employees' thinking and recognizes the employees. Unification to the work of deposits; if the management is not in place, the leaders of the society are required to clarify their ideas in a timely manner, strengthen management, and make the employees think in one place and go to one place; if the measures are not clear, they need to re-establish the assessment methods. The mobilization of all employees to seize the enthusiasm of the deposit ..... decisive and effective supervision, to ensure the effective growth of deposits; the third is to slash the package, for their own "pressure". At the beginning of the year, the members of the party committee of the association paid a package of the county credit cooperatives and issued a package plan. In the past year, members of the party committee have "going to the countryside every week, going to the countryside to pay for deposits", and taking deposit work as the "lifeline" of XX years. In order to set off a climax of all employees, the members of the party committee are the first to take the lead, to be the vanguard, and to lead the employees to carry out deposit work with practical actions.
The deposit work in XX is the year in which the association has taken the most measures. First, the establishment of the chapter, to stimulate the enthusiasm of all members of the deposit. At the beginning of the year, the Associated Press formulated the “Measures for the Implementation of Work Efficiency Linkage”, which linked the deposit work to 40% of the effective wages, in accordance with the image progress and monthly progress. For the completion of the image progress and monthly progress, the full return of the linked benefit salary, the completion of the monthly progress without completing the image progress, according to the actual completion of the image progress ratio return to the benefit salary, no image progress and no monthly progress, According to the 80% of the completion of the image progress, the linked benefit salary will be returned. The credit union will be rewarded for the credit union that has exceeded 50% of the annual completion of the deposit plan. Effective incentives have promoted the better implementation of deposit plans; second, activities have run through and set off a climax. According to the sluggish trend of deposits in the previous four months, the Associated Press launched a “Red May” full-storage storage competition. All employees expressed high enthusiasm for work. In May alone, the county's deposits increased by 24.13 million yuan, creating the fastest record of deposit growth in our county. In September, according to the work situation, the Associated Press put forward the 12-character policy of “concentrating energy, grasping opportunities, and accelerating development” and set off a new upsurge in business operations. The employees of the county actively participated in the work, and the deposits were basically completed at the end of September. The company’s annual plan has won the initiative for the overall promotion of the latter three months. Subsequently, the Associated Press launched a "100-day attack" campaign to fully accomplish its business objectives, requiring all societies to have the courage to fight hard and fight evil, to break down the will of the boat, to turn their backs and resolve, to fight the hard battles, and thus blew the XX year. The "horn" of the deposit sprint, a series of activities promoted the rapid development of deposit work; the third is to do a good job of "one soft and one hard" to expand space for deposit work. "One soft", that is, institutional innovation, implemented the expected deposit mechanism. In June, the Associated Press arranged the expected deposit work, requiring the agencies to establish a mechanism for the expected deposit personal account and the individual expected deposit reminder, which will be supervised and urged by the special management personnel to make it a “powerful weapon” for the credit cooperatives to seize; "One hard", that is, grasping the advantages of hardware, using the county's deposit and withdrawal, actively carrying out various agency business, and striving to absorb low-cost deposits. This year, the county's low-cost deposits have increased by more than 30%; the fourth is to strengthen credit agency. Station management, play the role of its "outpost position". In response to the problems in the management of credit stations, the Associated Press issued regulations to reform the deposit fee collection method, and to divide the handling fee into two parts: the guarantee ratio and the benefit ratio. The incentive agent will focus on the new deposit work in the year. For the agent who is too old and not suitable for work, the method of combining the balance of the deposit and the number of working years is adopted, and the repatriation salary is issued at one time, which relieves the worries of the agent. These initiatives have greatly improved the enthusiasm of the agent. This year, the county's credit station deposit balance reached 314.84 million yuan, accounting for 58% of the county's deposits.
The deposit work in XX is the most stringent year for the incentive and restraint mechanism. The Association has strict deposit rewards and punishments. Under the premise of the original assessment method, the organization has set up a single deposit unit award, a “savings expert, a savings model, and a savings champion” personal honor award, and will be rewarded. The club that gave up the progress plan showed a yellow card and quit the conversation. This year, the Associated Press rewarded advanced units and individuals such as Xuying Credit Union and Xia Xiaoling;

The Dashen and Zhonghe Credit Unions, which had no improvement in their work, gave yellow cards warnings, and the county notified them of criticism. The directors of credit unions and the directly responsible persons with unrealistic deposits were seriously dealt with. It is such a strict management mechanism that ensures the steady progress of deposit work.
Improve the support of agriculture, and the effectiveness of supporting agriculture has been significantly improved.
Since the beginning of this year, on the basis of summing up the experience of supporting agriculture, we have further corrected our business ideas and firmly established the ideological concept of relying on agriculture for development, relying on agriculture to increase efficiency, relying on the image of supporting agriculture, and relying on agriculture to reduce risks. Agricultural work has reached a new level. The county issued a total of 260.49 million yuan for supporting agriculture loans and 23,589 households benefiting farmers.
First, according to the different levels of capital needs of farmers in the county, a three-dimensional cross-supporting agricultural network system was established. For the funds required by ordinary farmers, the method of small-credit loans of less than 3,000 yuan shall be adopted; if the amount is large, the method of joint insurance for farmers shall be adopted; for the funds needed for farmers in farming and aquaculture, the support of Liannong Bridge shall be enriched. The method of the project is solved. Various loan methods are simplified, and the loan method of “one-time approval, limit control, on-going, and turn-around use” is implemented, which has won unanimous favorable comments from farmers.
The second is to carry out the “One Link, Three Sends and Two Promotions” campaign to send funds to farmers, send science and technology, and send information to guide farmers to develop efficient agriculture. In the past year, more than 30 experts have been hired for farmers, and 12 kinds of 46,000 agricultural science and technology books have been given, and more than 20 science and technology films have been sent to the countryside.
The third is to actively improve microfinance loans for agriculture. In accordance with the spirit of the Notice of the Municipal Office on "Improvement of the Promotion of Small-Scale Credit Loans for Farmers", we have continuously improved and improved the distribution of micro-credit loans in the past two years, and strengthened management and supervision, effectively eliminating the miscellaneous The phenomenon of chaos and badness has enabled microcredit loans to play a greater role in supporting agriculture.
The fourth is to do a good job in credit creation activities. The leaders of the association have reported to the county party committee and the county government on the credit creation situation and obtained the support of the party and government departments. In October, the county party committee issued the Notice No. 118 on the establishment of the leading group for the establishment of the “credit-winning” of Jiaxian County. Jia Gongwei, deputy secretary of the county party committee, was appointed as the leader of the county, and the county credit village review committee was led by the association. The files were issued to all townships and towns in the county, which laid a political foundation for the climax of the credit creation in the county. On the basis of this, the association earnestly built the credit village in accordance with the spirit of the No. 25 archive of the Municipal Office. Since the beginning of this year, we have created one municipal-level credit township, six municipal-level credit villages, and 15 county-level credit villages.
The effective development of supporting agriculture has effectively promoted the development of the county's rural economy. According to the sample survey of 15 credit villages and more than 1,000 farmers in the county, the per capita income of farmers in XX reached 2,063 yuan, an increase of 163 yuan over XX years. Among them, the per capita income of credit users increased by 256 yuan, which was higher than that of other farmers. 9.7%. With the support of credit cooperatives, a large number of breeders and individual private households emerged in the county, which gave birth to a group of typical individuals and private enterprises, which drove the rapid development of the local economy.
Increase the vitality of the closing and the quality of credit assets.
Since the beginning of this year, we have taken the opportunity to collect and collect non-performing loans as the focus of our business work, and adopted a number of measures to capture the following:
First, focus on the collection of responsible loans and increase the intensity of collection. At the beginning of the year, the Associated Press conducted a comprehensive inventory of non-performing loans since 1999, clarified the base, classified the queues, defined responsibilities, and earnestly implemented the measures for collection. The Associated Press requires that the liability loan formed since 1999 should be fully cleared by the end of September. Otherwise, the responsible person will leave the post for a limited time; in June, the association will focus on the problem of unrealistically digesting the normal loan, and issued the No. 45 file, which has been badly formed since the first day of January XX. Loans, implement all-round closed management, resolutely put an end to the phenomenon of non-performing loans before and after the clearing, and the phenomenon of “clearing and dredging”; in the third quarter, the association will focus on the collection and revitalization of non-performing loans as a business focus. Grasp, implement the revitalization plan to the community to the people, and make a hard indicator to assess, to ensure that the year-end plan was completed well at the end of September, and won the time for the fourth quarter deposits and interest collection. By the end of December, a total of 737 6,262,500 non-performing loans in new loans since XX years had been recovered.
The second is to give full play to the role of the asset management department and increase efforts to revitalize and strengthen. At the beginning of the year, the Associated Press specially assigned a deputy director to head the Asset Management Department and enriched the management department. In the past year, the Asset Management Department has represented the Associated Press and coordinated with the county courts and other departments to recover a large number of dead loans. In March, with the wind of the implementation of the court, the principal and interest of the stagnant loan were recovered more than 100,000 yuan. Through various efforts, in the bankruptcy case of the county chemical plant in September, the loan was recovered by 930,000 yuan. In the bankruptcy case of Xigong Special Alumina Plant in December, the loan was recovered by 38,000 yuan. In combination with the taxation department, the work of writing off the bad debts of all grassroots organizations has been completed. In addition, the Asset Management Department actively cooperated with various credit cooperatives to adopt measures such as centralized governance, news exposure, and monthly supervision to promote the collection of non-performing loans of grassroots organizations.
The third is to take multiple measures and seize the work. Each credit cooperative has adopted a flexible and diverse approach in combination with its own reality:
1 One household and one policy, different treatment. Make full use of the spring ploughing and summer harvesting to find people convenient, and the favorable conditions for the crops to be well-funded, such as the need for ample loans, go deep into the farmers, and quickly implement small-scale agricultural loans.
2 Sign the repayment plan and pay off the installment. For a creditor who has difficulty repaying the loan, a dunning notice will be issued, and the credit union will sign a repayment plan to limit the final repayment time.
3 task package combined with concentrated attack and hardship. On the one hand, the loan collection and payment plan is decomposed into the head of each credit officer, so that “there is a heavy burden on everyone, there are indicators on everyone’s head”, and the rewards and rewards are completed according to the indicators; on the other hand, specific measures are taken to focus on the specific situation. The method of creating momentum, focusing on tackling. The combination of the Yucun Credit Cooperative and the Asset Management Department of the Lianhe District held a “Liannongqiao” creditor settlement meeting, which recovered 800,000 yuan of loans and improved the formalities of more than 100,000 yuan.
While rushing to collect and collect revenue, we actively implement the new loan responsibility system to ensure the quality of new loans. At the beginning of the year, the Business Section and the Asset Management Department registered the non-performing loans formed in the normal loans in XX year by item, requiring the credit unions to collect the credits, the number of the accounts, and the amount of the creditors to the asset management. The department performs the sales account. The Associated Press requested that the director of the credit agency bear the overall responsibility for the quality of the new loans of the Society. The credit officers are directly responsible for the quality of the loans issued and managed, and the new loans are not up to the required requirements, and are regarded as fully responsible loans. The responsibility of the responsible person shall be investigated in accordance with the provisions of the first responsible person system of the loan. Under the premise of clarifying the rights, responsibilities and benefits of credit officers, the five-package system of “packing, receiving, package management, package efficiency, and package compensation” is implemented. The Associated Business Division regularly conducts a general survey of existing loan procedures, prompting new loans to strictly follow the procedures of loan application, loan investigation, loan approval, loan issuance, post-lending inspection, and loan recovery, and regulates operational behavior to ensure the quality of new loans.
Paying close attention to increasing revenues and reducing expenditures, and reducing losses and winning work have achieved remarkable results.
The first is to strengthen the means of collection and increase the rate of loan collection. At the beginning of the year, in accordance with the principle of “prominent profit, cost control, performance linkage, and dynamic assessment”, the Associated Press formulated the profit targets of each society and implemented the task of collecting interest. The credit union is required to clarify the responsibility for the interest collection of credit, accounting, etc., and to implement the interest-bearing and income-linked, with more income, less income and less income. If it cannot be recovered within the time limit, it shall be compensated by the responsible personnel. In order to increase the intensity of the assessment, the Associated Press launched a "four cups" competition, and at the end of each quarter, the top three of the interest rate were rewarded, and the latter two were heavily punished and a yellow card warning; in the first half of July, the working meeting was aimed at the county. The interest rate is low, and there is a dead end in the work of collecting interest. The company analyzes the reasons on a case-by-case basis, helps identify the entry points, and asks the agencies to collect interest rates.

The loan was checked one by one, the loan officer’s interest collection task was re-approved, and the effective reward and punishment measures for effective interest collection were re-established, effectively preventing and defusing various risks, and achieving safe operation throughout the year without accidents.
7. Accelerate the construction of electronic. Under the unified leadership of the municipal office, in April and May, the association organized the county's credit social program to carry out computer training before the computer. In June, the regional network construction of the association was completed. In July, 13 credit unions in the county were completed. In the entry work before the machine, all the 17 outlets in the county were connected in September. The deposit and withdrawal of the savings business was carried out. Through the electronic construction, the hardware construction of the county credit cooperatives has been significantly improved.
Strengthening the "three represents" education, the ideological and political work has achieved remarkable results.
Since the beginning of this year, the party committee of the association has always placed ideological and political work in the same position as the business, and followed the idea of ​​"strengthening in persistence and developing in innovation" and actively exploring effective ideological and political work methods. In June, the staff of the Association organized a serious study of the "Opinions on Strengthening Ideological and Political Work" of the Municipal Office and the speeches of the leaders of the Municipal People's Bank of China in the meeting of the directors and directors of the Rural Credit Cooperatives of the city, and guided the thinking and energy of all employees to the officers. Entrepreneurship, fostering an industry spirit of actively advancing and dedicating, has laid a strong ideological foundation for the business of credit unions. In August, according to the deployment of the city office, the association set off a new climax of learning and implementing the "three represents." In the learning activities, the association closely focuses on the actual work and business progress of the credit unions, and highlights several measures: First, grasp a core, that is, do a good job of all employees on the study of financial laws and regulations, credit union rules and regulations. The second is to grasp a key point, that is, to take the lead in leadership. The third is to highlight a key point, that is, to highlight the ideological work of young workers. The fourth is to lay a good foundation, which lays a solid foundation for the comprehensive completion of various business plans. Through the "three represents" study, it has formed a gratifying situation in which the whole county is twisted up and down into a rope and dedicated to one heart. The entrepreneurial atmosphere of the county credit cooperatives “Yangzhengqi, doing business” has taken shape. The county cadres and workers have conscientiously implemented the work arrangements of the party committees of the association, and maintained a good working condition, which has laid a solid foundation for the full completion of the tasks of the XX year. Thought basis
Although the work in XX has made good progress, there are still many problems that cannot be expected: First, the deposit work is still not optimistic; second, the problem of unrealistic loan is still serious; third, the proportion of non-performing loans is too high. It has become a huge obstacle to the development of credit unions. Fourth, the electronic construction of credit cooperatives cannot adapt to the fierce competition situation. Fifth, the quality of credit union employees is low, which is incompatible with the development of business development, especially electronic development. These problems need to be taken seriously in the future work and effectively solved.
Third, XX year work plan
XX is an important year for deepening the reform of rural credit cooperatives. It is a crucial year for turning losses into difficulties. We will take Deng Xiaoping Theory and the important thinking of the "Three Represents" as the guidance, and focus on the business tenet of serving the "three rural". Two hands: First, grasp the preparations for the reform of the rural credit cooperatives system, focus on improving the financial service capacity and service efficiency of rural credit cooperatives; grasp the sustainable development of rural credit cooperatives' business operations and comprehensively improve the business operation level. Through the two-handed approach, the reform work and business operations of rural credit cooperatives are mutually promoted, coordinated development, and common progress.
work goals
1. The annual new deposit is 50 million yuan;
2. The annual expansion of the share capital of 5 million yuan;
3. The net loan for the whole year was 40 million yuan; the “three rural” loans accounted for more than 60% of the newly added loans;
4. The absolute amount of non-performing loans decreased by 10 million yuan;
5. The loan interest income will be 19 million yuan, and the loss will be controlled within 600,000 yuan after the year-end profit and loss. At the end of the year, two surplus surplus clubs were added, bringing the surplus society to nine, the surplus level to 69%, and the loss side to be controlled within 31%.
6. The comprehensive expense rate is controlled within 29.5%.
Specific measures taken
First, earnestly prepare for the reform of the rural credit cooperatives system. Unify the thinking of all employees and fully understand the great significance of the reform work. Seriously clear the production of nuclear assets, increase capital and expand shares, and prepare for the reform.
The second is to standardize and improve credit management and implement an effective “blocking” project. Taking reform as an opportunity, we will formulate strict operational procedures for each business of the credit cooperatives, and by rectifying the internal control system of credit, resolutely put an end to the problem of increasing credit assets before and after the clearing, and completely eradicate the phenomenon of “pre-disordered chaos”.
The third is to further do a good job in credit support for agriculture. We will improve the microcredit loans for farmers and the joint loans for farmers, making them a powerful means of serving the “three rural”; gradually establish a credit file for farmers, and gradually establish a complete credit file for farmers, providing a basis for credit evaluation of farmers and effective control of credit risks; Continue to create credit villages and credit townships, and create 6-8 credit villages in XX years.
The fourth is to increase the intensity of deposit work. We will continue to adopt various effective measures such as increasing deposit assessment, improving service quality, increasing public relations, expanding the influence of credit unions, and supporting gold customers to ensure steady growth of deposits.
The fifth is to do a good job of "double down" for non-performing loans and continue to do a good job of "desilting". Strict loan collection responsibility system to prevent the increase and falsification before the Qing Dynasty; give full play to the role of the Asset Management Department. The income of the personnel of the Asset Management Department and credit officers of the credit union is linked to the recovered non-performing loans, and a separate assessment is carried out, and more income is obtained; the new loan responsibility system is seriously implemented.
Sixth, we must pay more attention to the increase in revenue and expenditure. The Associated Press has formulated the XX-year financial expenditure approval method, and approved all the cost indicators according to the credit bureau's business volume, personnel situation and number of institutions; and continued to implement the interest-bearing responsibility system. In XX, the loan-to-interest rate for new loans must reach over 99%, and the cash interest recovery rate for non-performing loans will reach over 80%. The advantages of the townships and towns will be seized to actively carry out intermediary services such as collection and payment, agency insurance, and customer financing. The proportion of intermediate business income to total revenue is guaranteed to be above 5%.
Seven is to strengthen internal management. We will implement wage reforms that are linked to ergonomics and pay for work, and further improve the implementation methods for ergonomics-linked assessments; middle-level cadres compete for posts, implement employment mechanisms that are superior, inferior, and mediocre, and employ the social team and business objectives. The comprehensive completion degree must reach more than 85%; strengthen the management of credit agency stations, and streamline the team of the agency to prevent and control operational risks.
Eight is to strengthen team building. The Associated Press members resolutely adjust or dismiss those members of the team who have poor political quality, low public prestige, irresponsible work, and unsatisfactory performance, especially those who have caused major losses in violation of regulations; strengthen human resources development and management, Fully tap and exploit the potential of each employee to promote the rapid development of various businesses.