Summary of Bank Annual Work in 2019
In XX, under the correct leadership of the Municipal Association, the District Party Committee and the People's Bank of China, the leadership of the Bank united and led the staff of the Bank and always adhered to the economic and financial policies of the Party and the state. Conscientiously implement the spirit of the work conference of Shenyang Rural Credit Cooperatives, take the "xxxx" important thinking as the guidance, take reform as the driving force, and use management as the means to focus on the goal of "supporting agriculture, marketing, arresting, increasing efficiency, and controlling cases". Enterprising, determined to innovate, accelerate development, and all work has made great progress.
First, the main work results
1. The operating efficiency has achieved remarkable results, and the profit is the first in the city. By the end of the year of xxxx, the entire jurisdiction has realized a total income of 10,000 yuan; among them, the interest income has been reduced by the interest rate continuously, and the total income of the loan interest is 10,000 yuan, and the various expenditures are 10,000 yuan. .
2. All deposits grew rapidly, and the absolute growth of deposits was the highest in the city. At the end of the year xxxx, the balance of various deposits under the jurisdiction reached 10,000 yuan, an increase of 10,000 yuan over the beginning of the year, an increase of 10.29%. The increase was the best in history and the completion of the task of the city association.
3. The investment in supporting agriculture has increased, fully reflecting the service tenet of “agriculture, rural areas and farmers”. By the end of xxxx, the balance of loans under the jurisdiction of the whole government was 10,000 yuan, an increase of 10,000 yuan over the beginning of the year; among them, the agricultural loan placement reached 100% of the total number of farmers in the jurisdiction, and the demand for loans had reached 100%, which better reflected The main business direction of agriculture. The loan-to-deposit ratio at the end of the year was 52%.
4. Non-performing loans achieved “double down” and asset quality improved significantly. By the end of xxxx, the balance of non-performing loans of the whole jurisdiction was 10,000 yuan, a net reduction of 10,000 yuan compared with the beginning of the year, and the task of the city association was completed; the proportion decreased by 7 percentage points compared with the beginning of the year, of which the balance of the two loans was 10,000 yuan, down 10,000 from the beginning of the year. yuan. 130% of the city's affiliate program was completed, a decrease of 5 percentage points from the beginning of the year, and the “double drop” in the absolute amount and proportion of non-performing loans was achieved.
5. The total amount of shares continued to increase and the ability to resist risks increased. By the end of xxxx, the balance of the total share capital of the company was 10,000 yuan, an increase of 10,000 yuan over the beginning of the year, and completed 212% of the tasks assigned by the city association.
Over the past year, through the hard work of all employees, the Bank's various businesses have been greatly developed. The market “cakes” have gradually grown bigger and stronger, and the benefits have been effectively improved. The business foundation has been solidified and a gratifying performance has been achieved. . At the beginning of xxxx, our bank was awarded the honorary title of civilized unit by the municipal party committee and the municipal government. The achievements of the above achievements were hard-won, and all of them were infiltrated with the guidance and concern given by many departments of the higher authorities, and also many letters from the whole district. The crystallization of the hard work of the employees.
Second, specific work measures
1. Grasping the business and making progress with the times. The first is to seize deposits and promote financial strength. In xxxx, we always put the organization's capital work in the first place in all work. In the work, we improved the service level of the staff in the district, implemented the double-percent deposit assessment, implemented the "service star" selection, and established the party service window. A variety of powerful measures to enhance the market competitiveness of credit unions, to win the trust of customers, so as to give full play to the advantages of rural credit cooperatives, multi-faceted and familiar, to further explore the source of storage and consolidate deposit positions. In the year of xxxx, in the fierce competition in the deposit market, our bank not only stabilized the old customers, but also pulled in a number of new customers. The market share continued to rise. At the end of the year, the balance of household savings deposits reached 10,000 yuan, a net increase of 10,000 yuan over the previous year. . Under the premise of ensuring the growth of total deposits, pay attention to increase the share of low-cost deposits, so as to continuously optimize the deposit structure, actively strive for the support of party and government leaders in the work, take the initiative to coordinate with the relevant departments, and expand the account opening of public deposits. . Thereby reducing the cost of capital and increasing the rate of return. The second is to focus on supporting agriculture and promote marketing efforts. In xxxx years, our bank has always adhered to the principle of agriculture, based on the "three rural", and has embarked on a "win-win" road for the development of the rural economy and the improvement of the benefits of credit unions. On the one hand, we will conscientiously implement the archives of the higher authorities, continuously improve the way of supporting agriculture, and actively and steadily promote the microcredit business of farmers. The households in the whole district have assessed the households as credit rating households, and relying on Shenjingzi Town and Gaokan Town to carry out the work of creating “credit villages and towns”, and the cumulative payment of micro-credit loans and joint guarantee loans of farmers in xxxx is history. The year in which the agricultural loan was placed the most. On the other hand, jumping out of agriculture and supporting agriculture, requiring credit officers to establish the concept of “big agriculture” and “modern agriculture”, making a fuss about the depth and breadth of supporting agriculture, and promulgating the “Interim Measures for the Management of Personal Consumption Loans” and “About The Interim Measures for the Management of Microfinance for Individual Industrial and Commercial Households by Rural Credit Cooperatives in the Suburbs has broadened the credit field and promoted the adjustment of the loan structure of non-agricultural credit cooperatives. In addition to guaranteeing support for conventional agriculture, other reasonable capital needs such as circulation and consumption are also We will give full support to it, vigorously support the adjustment of the agricultural industry structure, actively support the private economy to become bigger and stronger, and support a large number of individual private owners such as processing, commerce, transportation, and so on. The loan structure is continuously optimized and promotes the development of the rural economy. It also brought good benefits to the credit union and achieved the goal of “win-win”. The third is to seize the work and promote the quality of assets. In xxxx years, the Bank further improved the collection responsibility system by focusing on key points, literacy points and attack points, insisting on the implementation of indicators to people, and decomposing the plans into households; the work of clearing non-performing loans will be lighted up once, and the indicator plan will be implemented to people. Head, grasping early and grasping the reality, self-improvement pressure, and achieved good results. In the formation of non-performing loans, timely implementation of the collection tasks and responsibilities to relevant positions and responsible persons to implement work efficiency linkage, responsibility collection, strict assessment, honor rewards and punishments . Paying attention to working methods, and achieving “one policy and one policy” and “one loan and one method”, classified and disposed of, through a series of effective measures, the non-performing loans of the whole bank accounted for 7 percentage points lower than the beginning of the year, thus effectively preventing Credit risk, asset quality has been significantly improved. The fourth is to grasp the financial situation and promote efficiency to reduce losses and increase profits. Starting from the two aspects of income increase and savings, the Bank focused on interest income and strived to over-compensate the financial plan issued by the City Association. In the daily work, we must strengthen the management of expenses and expenses. The management of dynamic operating expenses should adhere to the principle of “elastic management, revenue and expenditure ratio, first review, and surplus rewards”, strictly control the expenses, and really use the expenses in “ On the cutting edge, the operating cost is reduced as much as possible, and the effect of saving money is obvious. At the same time as the savings, the Bank focused on the financial work to increase revenue. At the beginning of the year, the income task will be decomposed to reach the post, and the personnel and tasks will be set. The responsibility collection will be carried out, the whole staff will be cleared, the rewards will be collected, and the collection will be carried out according to law. The efforts of the responsible persons of interest collection will be strengthened, and the monthly assessment will be strictly carried out. On a quarterly basis, with the pressure to drive, the agencies are required to insist on the work of collecting interest as the central task of the whole bank. While ensuring the normal loan interest, we should pay attention to the collection of interest on the sluggish loan and strive for the transformation of the sluggish loan. And to ensure the implementation of debt, guarantee the return of interest, and promote the increase in interest rates.
2. Reform, innovation and development. First, step by step and speed up the pace of reform. Establish and improve a dynamic cadre appointment assessment mechanism and performance appraisal mechanism. According to the working principle of “great stability and small adjustment”, the completion of the business target responsibility system during the tenure of the cadre, the work performance, the ideological style and the innovation ability were evaluated, and the dissatisfied cadres were adjusted to enable the cadres to In the upper and lower levels, the implementation of full employee efficiency, so that income can be more and less; Second, strengthen training and improve the quality of all staff. Actively organize employees to participate in the induction examinations organized by the United Nations, and organized various professional training courses. The training has achieved the “three most”, namely: the largest number of participants, the most extensive professional, and the longest duration, which has improved the overall quality of the cadres and workers; the third is to operate carefully and keep the team stable. In the new round of credit cooperative reform, we will always adhere to the principle of being active and stable, and make full predictions about the difficulties and problems that may arise in our work, strictly guard against the unstable factors that induce risks, and strive to solve the problems in the bud and deal with them. Before the outbreak. In-depth and meticulously do a good job in the ideological and political work of each employee, eliminating the employees' ideological concerns, thus maintaining a good situation of stability and unity.
3, strong management, strict governance and stability. First, improve the system construction and pay close attention to the implementation of the system. In the year of xxxx, the Bank carried out the "Policy of Strengthening the Construction of Internal Control" by the Municipal Association of Panjiabao in Liaozhong and carried out the "education, cleanup and rectification" activities. To make the staff of the whole bank develop a good habit of obeying the rules and disciplines, and inspect the items one by one according to the system in the daily management process, so that the employees have a basis for implementation and a standard for district inspection. At the same time, the violations and violations discovered during the inspection process are resolutely punished in accordance with the regulations of the system and will not be tolerated. As a result, the operation and management of the whole bank has gradually entered a virtuous cycle, and various tasks have continued to be institutionalized, standardized and standardized. The second is to improve the organization, strict accountability system, implement the "first-in-command" responsibility system, put the security target management in an important position, cross the side, vertical and vertical, do not leave a dead end, sign the target responsibility, and implement the risk responsibility restriction mechanism. Strengthen leadership responsibility and full participation awareness, and be responsible to the first level. The two-level leaders take the lead in earnestly studying and implementing the spirit of the superior archives, regularly researching and deploying the security work, often conducting security inspections at the grassroots level, and paying attention to the security dynamics within the jurisdiction to achieve safety and no accident throughout the year.
First, the main work results
1. The operating efficiency has achieved remarkable results, and the profit is the first in the city. By the end of the year of xxxx, the entire jurisdiction has realized a total income of 10,000 yuan; among them, the interest income has been reduced by the interest rate continuously, and the total income of the loan interest is 10,000 yuan, and the various expenditures are 10,000 yuan. .
2. All deposits grew rapidly, and the absolute growth of deposits was the highest in the city. At the end of the year xxxx, the balance of various deposits under the jurisdiction reached 10,000 yuan, an increase of 10,000 yuan over the beginning of the year, an increase of 10.29%. The increase was the best in history and the completion of the task of the city association.
3. The investment in supporting agriculture has increased, fully reflecting the service tenet of “agriculture, rural areas and farmers”. By the end of xxxx, the balance of loans under the jurisdiction of the whole government was 10,000 yuan, an increase of 10,000 yuan over the beginning of the year; among them, the agricultural loan placement reached 100% of the total number of farmers in the jurisdiction, and the demand for loans had reached 100%, which better reflected The main business direction of agriculture. The loan-to-deposit ratio at the end of the year was 52%.
4. Non-performing loans achieved “double down” and asset quality improved significantly. By the end of xxxx, the balance of non-performing loans of the whole jurisdiction was 10,000 yuan, a net reduction of 10,000 yuan compared with the beginning of the year, and the task of the city association was completed; the proportion decreased by 7 percentage points compared with the beginning of the year, of which the balance of the two loans was 10,000 yuan, down 10,000 from the beginning of the year. yuan. 130% of the city's affiliate program was completed, a decrease of 5 percentage points from the beginning of the year, and the “double drop” in the absolute amount and proportion of non-performing loans was achieved.
5. The total amount of shares continued to increase and the ability to resist risks increased. By the end of xxxx, the balance of the total share capital of the company was 10,000 yuan, an increase of 10,000 yuan over the beginning of the year, and completed 212% of the tasks assigned by the city association.
Over the past year, through the hard work of all employees, the Bank's various businesses have been greatly developed. The market “cakes” have gradually grown bigger and stronger, and the benefits have been effectively improved. The business foundation has been solidified and a gratifying performance has been achieved. . At the beginning of xxxx, our bank was awarded the honorary title of civilized unit by the municipal party committee and the municipal government. The achievements of the above achievements were hard-won, and all of them were infiltrated with the guidance and concern given by many departments of the higher authorities, and also many letters from the whole district. The crystallization of the hard work of the employees.
Second, specific work measures
1. Grasping the business and making progress with the times. The first is to seize deposits and promote financial strength. In xxxx, we always put the organization's capital work in the first place in all work. In the work, we improved the service level of the staff in the district, implemented the double-percent deposit assessment, implemented the "service star" selection, and established the party service window. A variety of powerful measures to enhance the market competitiveness of credit unions, to win the trust of customers, so as to give full play to the advantages of rural credit cooperatives, multi-faceted and familiar, to further explore the source of storage and consolidate deposit positions. In the year of xxxx, in the fierce competition in the deposit market, our bank not only stabilized the old customers, but also pulled in a number of new customers. The market share continued to rise. At the end of the year, the balance of household savings deposits reached 10,000 yuan, a net increase of 10,000 yuan over the previous year. . Under the premise of ensuring the growth of total deposits, pay attention to increase the share of low-cost deposits, so as to continuously optimize the deposit structure, actively strive for the support of party and government leaders in the work, take the initiative to coordinate with the relevant departments, and expand the account opening of public deposits. . Thereby reducing the cost of capital and increasing the rate of return. The second is to focus on supporting agriculture and promote marketing efforts. In xxxx years, our bank has always adhered to the principle of agriculture, based on the "three rural", and has embarked on a "win-win" road for the development of the rural economy and the improvement of the benefits of credit unions. On the one hand, we will conscientiously implement the archives of the higher authorities, continuously improve the way of supporting agriculture, and actively and steadily promote the microcredit business of farmers. The households in the whole district have assessed the households as credit rating households, and relying on Shenjingzi Town and Gaokan Town to carry out the work of creating “credit villages and towns”, and the cumulative payment of micro-credit loans and joint guarantee loans of farmers in xxxx is history. The year in which the agricultural loan was placed the most. On the other hand, jumping out of agriculture and supporting agriculture, requiring credit officers to establish the concept of “big agriculture” and “modern agriculture”, making a fuss about the depth and breadth of supporting agriculture, and promulgating the “Interim Measures for the Management of Personal Consumption Loans” and “About The Interim Measures for the Management of Microfinance for Individual Industrial and Commercial Households by Rural Credit Cooperatives in the Suburbs has broadened the credit field and promoted the adjustment of the loan structure of non-agricultural credit cooperatives. In addition to guaranteeing support for conventional agriculture, other reasonable capital needs such as circulation and consumption are also We will give full support to it, vigorously support the adjustment of the agricultural industry structure, actively support the private economy to become bigger and stronger, and support a large number of individual private owners such as processing, commerce, transportation, and so on. The loan structure is continuously optimized and promotes the development of the rural economy. It also brought good benefits to the credit union and achieved the goal of “win-win”. The third is to seize the work and promote the quality of assets. In xxxx years, the Bank further improved the collection responsibility system by focusing on key points, literacy points and attack points, insisting on the implementation of indicators to people, and decomposing the plans into households; the work of clearing non-performing loans will be lighted up once, and the indicator plan will be implemented to people. Head, grasping early and grasping the reality, self-improvement pressure, and achieved good results. In the formation of non-performing loans, timely implementation of the collection tasks and responsibilities to relevant positions and responsible persons to implement work efficiency linkage, responsibility collection, strict assessment, honor rewards and punishments . Paying attention to working methods, and achieving “one policy and one policy” and “one loan and one method”, classified and disposed of, through a series of effective measures, the non-performing loans of the whole bank accounted for 7 percentage points lower than the beginning of the year, thus effectively preventing Credit risk, asset quality has been significantly improved. The fourth is to grasp the financial situation and promote efficiency to reduce losses and increase profits. Starting from the two aspects of income increase and savings, the Bank focused on interest income and strived to over-compensate the financial plan issued by the City Association. In the daily work, we must strengthen the management of expenses and expenses. The management of dynamic operating expenses should adhere to the principle of “elastic management, revenue and expenditure ratio, first review, and surplus rewards”, strictly control the expenses, and really use the expenses in “ On the cutting edge, the operating cost is reduced as much as possible, and the effect of saving money is obvious. At the same time as the savings, the Bank focused on the financial work to increase revenue. At the beginning of the year, the income task will be decomposed to reach the post, and the personnel and tasks will be set. The responsibility collection will be carried out, the whole staff will be cleared, the rewards will be collected, and the collection will be carried out according to law. The efforts of the responsible persons of interest collection will be strengthened, and the monthly assessment will be strictly carried out. On a quarterly basis, with the pressure to drive, the agencies are required to insist on the work of collecting interest as the central task of the whole bank. While ensuring the normal loan interest, we should pay attention to the collection of interest on the sluggish loan and strive for the transformation of the sluggish loan. And to ensure the implementation of debt, guarantee the return of interest, and promote the increase in interest rates.
2. Reform, innovation and development. First, step by step and speed up the pace of reform. Establish and improve a dynamic cadre appointment assessment mechanism and performance appraisal mechanism. According to the working principle of “great stability and small adjustment”, the completion of the business target responsibility system during the tenure of the cadre, the work performance, the ideological style and the innovation ability were evaluated, and the dissatisfied cadres were adjusted to enable the cadres to In the upper and lower levels, the implementation of full employee efficiency, so that income can be more and less; Second, strengthen training and improve the quality of all staff. Actively organize employees to participate in the induction examinations organized by the United Nations, and organized various professional training courses. The training has achieved the “three most”, namely: the largest number of participants, the most extensive professional, and the longest duration, which has improved the overall quality of the cadres and workers; the third is to operate carefully and keep the team stable. In the new round of credit cooperative reform, we will always adhere to the principle of being active and stable, and make full predictions about the difficulties and problems that may arise in our work, strictly guard against the unstable factors that induce risks, and strive to solve the problems in the bud and deal with them. Before the outbreak. In-depth and meticulously do a good job in the ideological and political work of each employee, eliminating the employees' ideological concerns, thus maintaining a good situation of stability and unity.
3, strong management, strict governance and stability. First, improve the system construction and pay close attention to the implementation of the system. In the year of xxxx, the Bank carried out the "Policy of Strengthening the Construction of Internal Control" by the Municipal Association of Panjiabao in Liaozhong and carried out the "education, cleanup and rectification" activities. To make the staff of the whole bank develop a good habit of obeying the rules and disciplines, and inspect the items one by one according to the system in the daily management process, so that the employees have a basis for implementation and a standard for district inspection. At the same time, the violations and violations discovered during the inspection process are resolutely punished in accordance with the regulations of the system and will not be tolerated. As a result, the operation and management of the whole bank has gradually entered a virtuous cycle, and various tasks have continued to be institutionalized, standardized and standardized. The second is to improve the organization, strict accountability system, implement the "first-in-command" responsibility system, put the security target management in an important position, cross the side, vertical and vertical, do not leave a dead end, sign the target responsibility, and implement the risk responsibility restriction mechanism. Strengthen leadership responsibility and full participation awareness, and be responsible to the first level. The two-level leaders take the lead in earnestly studying and implementing the spirit of the superior archives, regularly researching and deploying the security work, often conducting security inspections at the grassroots level, and paying attention to the security dynamics within the jurisdiction to achieve safety and no accident throughout the year.
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