Year-end summary of the credit union in 2019
In the past year, under the correct leadership of the County Associated Press and the County People's Bank, with the strong support of the township party committee and the government, our society has adopted the important idea of “xxxx” proposed by xx comrades, “xxxx” proposed by xx comrades, and “party”. The "xx big" "xx big" put forward the pace of accelerating the reform and opening up, and the grand goal of building a well-off society in an all-round way, guiding the whole work of the whole year with "financing the society and benefiting the society", always keeping the stock of the funds in the best The increase in loans, support for “agriculture, rural areas and farmers” and the expansion of financial services are the first in the work of the whole year. Under the leadership of the social leadership team, the employees of the whole society advocate the practice of seeking truth and being pragmatic, determined to innovate, tenacious and hardworking, and pioneering and enterprising. Basically completed the work goals issued by the County Associated Press, ensuring that the operating efficiency of our company will reach a new level every year. We mainly do the following work:
First, with ideological construction as the starting point, the era of building a high-quality workforce is 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 association and the xx township party committee and the government. We have organized many employees to carry out learning and education activities in combination with the actual situation. We also regularly organize employees to study business department files, newspapers and magazines, and financial regulations and policies. 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, build a service brand, open up the storage channels, and ensure that the growth of the deposit market is not diminishing. For credit unions, vigorously organizing deposits is the foundation of the company and the source of the society. In the face of the Yanglin branch office of our country's agricultural bank and the postal savings office, the leadership team of our company always keeps a clear head, stands at the forefront of the market, vigorously promotes the letter and wins customers; hangs the street banner, posts slogans, publicizes New business; strengthen the quality of counter services, conduct all-round polite language, and provide high-quality, efficient, fast and convenient financial services to retain customers. For example, in addition to the general deposit and loan business this year, the grain is subsidized, the farmland is returned to the forest, and the business volume is large. However, our internal and internal workers are hard-working and have no complaints. It is by relying on a hard-working team of employees that our company has maintained a good record of 4.6 million yuan in net deposits this year in a highly competitive financial market.
Third, to serve the "three rural" as the responsibility, to promote the stable development of the region's economy. My township is a deep mountain township, has its own advantages, is located in the rural areas, small-scale farmers have more demand for loans, so we are in service" The principle of “agriculture, rural areas and farmers” solves the problem of difficult loans for farmers and no loans. The director and the field increased the credit rating of the villages of Gangdong Village, Nan Geng Village, Xia Cun Village, Nanhu Village, Shihan Village, Zhu Village and Guanyuan Village in the jurisdiction, and provided the farmers with loan certificates to understand the needs of farmers in the jurisdiction. . The issuance of small-amount loans has strongly supported the sustained and stable development of the local economy, ensuring that our society and borrowers have achieved linkage economic benefits and achieved a “win-win” in operations. At the same time, our agency also provides various subsidies to facilitate the timely collection of farmers in the jurisdiction.
Fourth, clarify the loan base, increase the vitality of the stock loan, and ensure that the quality of credit assets is directly related to the quality of the credit union. The low quality of credit assets has always restricted the development of credit unions. exception. In April this year, our company increased the efforts to collect non-performing loans. Non-performing loans have been declining year by year.
V. Strengthening the awareness of safety and prevention, ensuring safe operation and no accidents. Our company always puts the safety management work at the top of the management work, and constantly strives to make the alarm sound long. Our company has formulated and organized employees to preview the anti-riot plan, strictly divide the work, everyone is responsible, implement the post to the person, establish a civilized unit in the police station, and sign a joint defense agreement with the surrounding unit residents. And often organize employees to learn safety and security knowledge, preventive skills, often carry out security checks, find hidden dangers in a timely manner, prevent problems before they happen.
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 work in 2019 is: First, continue to increase the intensity of deposits and increase the total amount of deposits; second, continue to increase the efforts to collect 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 and writing the loan to the loan officers, and link it with the personal benefit award; sixth, continue to strictly control the expenses and ensure the completion of the task of XX.
First, with ideological construction as the starting point, the era of building a high-quality workforce is 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 association and the xx township party committee and the government. We have organized many employees to carry out learning and education activities in combination with the actual situation. We also regularly organize employees to study business department files, newspapers and magazines, and financial regulations and policies. 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, build a service brand, open up the storage channels, and ensure that the growth of the deposit market is not diminishing. For credit unions, vigorously organizing deposits is the foundation of the company and the source of the society. In the face of the Yanglin branch office of our country's agricultural bank and the postal savings office, the leadership team of our company always keeps a clear head, stands at the forefront of the market, vigorously promotes the letter and wins customers; hangs the street banner, posts slogans, publicizes New business; strengthen the quality of counter services, conduct all-round polite language, and provide high-quality, efficient, fast and convenient financial services to retain customers. For example, in addition to the general deposit and loan business this year, the grain is subsidized, the farmland is returned to the forest, and the business volume is large. However, our internal and internal workers are hard-working and have no complaints. It is by relying on a hard-working team of employees that our company has maintained a good record of 4.6 million yuan in net deposits this year in a highly competitive financial market.
Third, to serve the "three rural" as the responsibility, to promote the stable development of the region's economy. My township is a deep mountain township, has its own advantages, is located in the rural areas, small-scale farmers have more demand for loans, so we are in service" The principle of “agriculture, rural areas and farmers” solves the problem of difficult loans for farmers and no loans. The director and the field increased the credit rating of the villages of Gangdong Village, Nan Geng Village, Xia Cun Village, Nanhu Village, Shihan Village, Zhu Village and Guanyuan Village in the jurisdiction, and provided the farmers with loan certificates to understand the needs of farmers in the jurisdiction. . The issuance of small-amount loans has strongly supported the sustained and stable development of the local economy, ensuring that our society and borrowers have achieved linkage economic benefits and achieved a “win-win” in operations. At the same time, our agency also provides various subsidies to facilitate the timely collection of farmers in the jurisdiction.
Fourth, clarify the loan base, increase the vitality of the stock loan, and ensure that the quality of credit assets is directly related to the quality of the credit union. The low quality of credit assets has always restricted the development of credit unions. exception. In April this year, our company increased the efforts to collect non-performing loans. Non-performing loans have been declining year by year.
V. Strengthening the awareness of safety and prevention, ensuring safe operation and no accidents. Our company always puts the safety management work at the top of the management work, and constantly strives to make the alarm sound long. Our company has formulated and organized employees to preview the anti-riot plan, strictly divide the work, everyone is responsible, implement the post to the person, establish a civilized unit in the police station, and sign a joint defense agreement with the surrounding unit residents. And often organize employees to learn safety and security knowledge, preventive skills, often carry out security checks, find hidden dangers in a timely manner, prevent problems before they happen.
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 work in 2019 is: First, continue to increase the intensity of deposits and increase the total amount of deposits; second, continue to increase the efforts to collect 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 and writing the loan to the loan officers, and link it with the personal benefit award; sixth, continue to strictly control the expenses and ensure the completion of the task of XX.
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