Bank office work summary
Since XX years, under the support and guidance of the branch leaders and relevant business departments of the municipal branch, the People’s Bank Branch Office has determined the overall plan for the business office of XX in the year XX in combination with the actual work situation of the city: strengthening internal control management and ensuring accounting Treasury funds security, effectively improve the accounting treasury accounting level; further improve account management; increase anti-money laundering publicity training; vigorously implement non-cash payment settlement tools such as promissory notes; strengthen treasury supervision; further strengthen financial management, strict financial revenue and expenditure, Improve the management of fixed assets; do a good job in employee dedication and love of the party and integrity; strengthen training, and constantly improve the quality of business staff to meet the needs of business development. The work is summarized as follows:
I. Strengthening the foundation of accounting treasury and improving internal control management This year, the business of the business office has changed greatly. The cheque imaging system has been launched, and the treasury “one household pass” has been launched. The county-level city exchange business and the treasury post-supervision business have been collected in Wenzhou Zhongzhi, the business office. Timely revision of the post responsibility system, and further improve the dynamic management manual for business office posts. The accounting supervisors effectively perform daily supervision duties, pay special attention to on-site dynamic management, and strengthen the dynamic supervision of the seal, the daytime use of important blank vouchers, and the day-end custody. Strengthen the review of the transfer of funds export business, and enhance the timeliness of supervision of accounting executives. Do a good job in internal inspections, comprehensive inspections, strict requirements, and rectify problems to ensure that the internal control system is implemented. Through a series of measures, the quality of accounting treasury accounting has improved significantly.
Second, strengthen the management of the national treasury, and fully build the treasury fund security zone
1. This year's fiscal revenue and expenditure classification reform pilot has been extended from the provincial level to the county level. According to the relevant file requirements of the higher level, the national treasury accounting system will be upgraded, and parameters such as budget subjects and proportions will be correctly set and modified. Timely and accurate handling of the collection, division and reimbursement of budgetary revenues at all levels to ensure that all levels of funds are deposited in full and on time. Focus on the reconciliation work to ensure that the data between the lower and upper levels and the treasury and the collection authority and the financial department are consistent, and the balance of the extra-budgetary accounts is consolidated. According to the regulations, we will set up and fill out various types of registration books, and strictly follow the standardized and standardized management requirements, so that all kinds of books, statements and vouchers are bound neatly and archived on time.
2. Increase supervision over the counter of the national treasury business. In order to ensure the rationalization and standardization of the basic accounting work of the national treasury, a joint meeting of the standardized management of the state treasury, finance, taxation and collection and collection offices will be held, mutual communication and coordination, management from the source, strict examination of external certificates, and elimination of various non-compliance certificates. Such as the payment book, the allocation of the list of subjects, string times, filling irregularities, alterations and other phenomena to correct, through this measure to regulate the use of the taxation department and the tax collection and payment office.
3. Adapt to the reform and development of the national treasury and actively open new treasury businesses. Opened the internal treasury to automatically automate the program, organize special personnel to participate in the training of superior treasury business, assist the scientific and technical personnel to install the program, and ensure the automatic pledge of the internal treasury is smoothly launched. Opened the “one household pass” electronic tax payment system with the local tax department. Coordinating the tax department and the bank side did a lot of preparatory work. For example, the “One Household Pass” electronic taxation leading group set up with the head of the governor is required to do the publicity work for the taxpayer in the local tax, publish the relevant content in the local newspaper, enter the bank and the local tax, and check the relevant information and data of the taxpayer. The party signs the agreement and so on. Due to the comprehensive arrangement and strong measures, the “One-Home” electronic tax payment pilot was successfully deducted on May 16 and was successfully put into storage. It has been fully rolled out. Actively prepare to participate in the Datong City bill exchange, carefully organize the relevant operational procedures, familiar with the relevant business processes and operational interfaces, in order to wait for the superior organization to conduct network testing.
4. Expand the external supervision and management of the treasury business. On the basis of the “row, tax, and library” networking, the company realized the full realization of budget revenue, appropriation, and electronic return processing; the paperless reconciliation and the implementation of online real-time reconciliation. Improve work efficiency, to ensure the safety of the treasury fund as the center, continue to improve the treasury reconciliation system, strengthen the on-site reconciliation work with the tax administration department, and avoid the risk of funds. And strengthen the standardized management of the business of receiving and receiving, to achieve a combination of on-site and off-site supervision. Strengthen the business counseling and training for the personnel of the receiving office, timely convey the relevant archives spirit of the management of the receiving office, promote its knowledge update and business norms, and prevent the occurrence of rejection, extension and transfer of misappropriation of taxes. At the same time, it provides technical support to the receiving office to ensure that the tax reporting system can operate smoothly due to the reform of the fiscal revenue and expenditure account classification.
Third, strengthen services, and constantly improve payment and settlement management and service levels,
1. Vigorously strengthen the business promotion of micropayment systems and check image exchange systems. Strengthen the promotion of the regular loan and credit business of the micropayment system and promote the development of centralized collection and payment business. The construction of the check image exchange system was completed on schedule. According to the unified deployment of the head office, on June 25, XX, the city will go online to run the national check image exchange system. The National Cheque Image Exchange System is supported by image technology, which converts paper checks into image and electronic information, realizes paper check interception, and uses information network technology to transmit check image information to the drawer bank to prompt payment, and realize the check nationwide. A general business processing system. The cheque image exchange system promotes tight working hours and heavy tasks. Strengthen organizational leadership, set up a leading group for the construction of the cheque image exchange system of the Bank, implement the plan, clarify the responsibilities, work tasks and schedule requirements of each department, and prepare the preparations before the system promotion according to the plan. Actively carry out the business and operation training of the cheque image exchange system. Organize the retraining of relevant personnel in the industry to ensure that operators are familiar with various business functions. Organize the preparations for the access to the cheque image exchange system technology and business of all participants in the jurisdiction to ensure that the system goes online on time.
2. Complete the construction of the account management system, do a good job in networking with the identity information system of the Ministry of Public Security, and implement the real-name system of bank accounts. Do a good job in networking with the Ministry of Public Security's identity information system and regulate bank account management. Networking verification of citizenship information is conducive to curbing corruption and bribery, tax evasion, financial fraud, money laundering and other illegal and criminal activities at the source, promoting the development of social credit system and anti-money laundering work, maintaining a normal economic and financial order; The basic management system, sound internal control mechanism, reduce operational risks, fulfill social responsibilities, and continue to develop healthily; it is conducive to the effective protection of the interests of the general public. On June 1st, the online verification citizenship information system was in normal operation in our city.
Fourth, vigorously promote non-cash payment settlement, and the results are not significant.
Organizing banks to choose TV, newspapers and other media to open financial columns, non-scheduled non-cash settlement publicity, promote the basic knowledge of "three votes and one card", launch e-banking products such as online banking, introduce video check system, and pay in small amount The latest financial products such as systems, large-value payment systems, personal checks, etc.; holding large-scale online banking training and promotion conferences, inviting corporate accountants and individual customers who have opened online banking to talk about their experiences and bank personnel to conduct online banking terminal demonstrations. Guide customers to conduct online banking operations; hold bank card promotion meetings, vigorously develop pos machine special merchants, add atm machines, most banks carry out Leica prize-winning activities, create a good environment for cards, encourage personal use cards; all financial Institutional outlets have relevant promotional materials available throughout the year for distribution or request. Main features: All financial institutions above the branch office opened the promissory business. Most financial institutions carried out the “one-stop” service for the promissory notes. The time for the promissory notes was shortened by 5-10 minutes; all financial institutions established The account manager system forms a one-to-one relationship between the account manager and the client, which is beneficial to the account manager's targeted promotion; most financial institution outlets set up a lobby manager to provide guidance services, such as directing small cash withdrawal customers to self-service banking. The unscheduled large-value withdrawal customer will be guided to purchase the promissory note; most banks will move the check, promissory note, bank card transfer and other services to the low-bay area to facilitate face-to-face communication with customers, which will help promote the use of cheques and promissory notes to customers. Non-cash settlement methods; all branch-level financial institutions have set up VIP areas to provide convenient and fast non-cash settlement services to key customers. In June, organized financial institutions to carry out financial knowledge to the countryside, including non-cash settlement knowledge as a key content; in November, organized financial institutions to carry out "four hundred" non-cash settlement special promotional activities, that is, "enter 100 companies Propaganda, “Entering 100 Rural Propaganda”, “Entering 100 Stores for Publicity”, and “Promoting 100 Businesses to Enter Large Professional Markets”. At the same time, in the "×× Daily" timely publicize major financial innovation products, maximize the publicity, and deepen the publicity effect.
By strengthening cash management and vigorously strengthening the promotion and promotion of non-cash settlement, non-cash settlement has achieved remarkable results. The proportion of non-cash settlement is increasing, and its alternative role is becoming more and more obvious. The promissory note business is developing rapidly. Stabilizing the first in Wenzhou County, online business has risen steadily, financial electronic products are moving towards popularization, and bank card business is developing steadily.
1. The proportion of non-cash settlements is getting bigger and bigger, occupying a dominant position. For example, the non-cash settlement amount of ICBC ×× City Branch in January-October XX was 249.5 billion yuan, accounting for 86.6 of all payments, an increase of 9.3 over the same period of the previous year; ABC's January-October was 289.5 billion yuan, accounting for all The total amount of payment was 70.4, an increase of 34.9 over the same period of the previous year; the Bank of China was 62.11 billion yuan from January to October, accounting for 81.2% of all payments, an increase of 4.3 over the same period of the previous year; CCB from January to October was 48 billion yuan. Accounted for 70% of all payments, an increase of 14 over the same period last year.
2. The promissory note business is developing at a rapid pace. According to statistics, the city's financial institutions issued a total of 91,623 promissory notes from January to October, with a total amount of 859,506,560 yuan, an increase of 99.9 and 78.5 respectively over the same period of the previous year. For example, ICBC issued a total of 7267 promissory notes from January to October in XX, with a total amount of 317.846 million yuan, an increase of 137.1 and 206.5 respectively over the same period of the previous year; CITIC Bank issued 3,878 promissory notes from January to October, amounting to 467.19 million yuan. , respectively, increased by 62, 71 over the same period last year.
3. Online banking business has risen sharply. For example, at the end of October XX, the Agricultural Bank of China added more than 8,100 individual online banking and 220 new online banking companies. From January to October, the total transaction volume was 22 billion yuan, and the electronic channel accounted for 46.41. The transaction volume increased compared with the same period of last year. 32.1; Bank of China XX, October, online banking customers more than 10,000 households, January-October transaction volume of 1.5 billion yuan, an increase of 320 over the same period of the previous year; CCB online banking business is also developing rapidly, electronic banking alternative The rate reached 40, of which the transaction volume on the public network from January to October was 4.9 billion yuan, an increase of 80% over the previous year. The personal online transaction volume was 3.2 billion yuan, an increase of more than 50 over the previous year.
4. The use of bank cards has grown steadily. For example, from January to October, the Bank's bank card credits amounted to 42 million yuan, an increase of 87 over the same period of the previous year. CITIC Bank's self-service bank settlements from January to October averaged more than 180 per day, amounting to about 160,000 yuan, compared with the previous year. In the same period, there were more than 70 pens and the amount was about 50,000 yuan.
V. Cooperate with the account checking work of the municipal government administrative institutions, and improve the long-term management mechanism for the special accounts of budget units.
According to the notice of the Wenzhou Municipal People's Government Office, the “Notice of the Municipal Supervision Bureau and other departments on the implementation plan for the bank account clearing and rectification work of Wenzhou City Administrative Institutions” and the requirements of Wenzhou Zhongzhi, the XX Branch actually implemented the spirit of the Notice, October XX From the 1st, it will carry out the verification and verification of all accounts of the administrative institutions under the jurisdiction. On November 7th, XX, “××日报” published the article “Issuing the Bank Accounts of Administrative Units in the City”, widely publicizing the scope and content of this cleanup and rectification, highlighting the supervision and serious discipline. At present, the bank account of the special bank account of the administrative department of XX City has been sorted out, and the relevant account information of the special account has been collected. In conjunction with the long-term management mechanism of the special account of the budget unit of our sub-branch, we will further improve the long-term management mechanism for the special account of the budget unit.
6. Strengthen the intensity of administrative law enforcement inspections. This year, the business office cooperated with the sub-branch's comprehensive business inspection, and carried out on-site inspections of the anti-money laundering and RMB bank settlement accounts of the DX branch and the XX rural cooperative bank. XX Guokuo conducted on-site inspection of the treasury collection business from September 24th to 30th, XX. The state treasury also cooperates with the XX Municipal Finance Bureau. The head of the treasury is the head of the treasury. The backbone of the treasury business is the chief investigator. The two directors of the Joint Finance Bureau are responsible for the formation of the inspection team. June 27-July 6, XX The 11-day on-site inspection was conducted on the seven non-tax revenue remittance accounts of the seven correspondent banks from December XX to January XX. Through on-site inspection, the corresponding inspection and rectification inspection and appropriate punishment results are proposed, and strict administrative law enforcement is carried out.
Seventh, strengthen financial management, comprehensively clean up the fixed assets of the sub-branches, and strictly enforce the financial discipline. Carefully prepare and adjust the financial revenue and expenditure budget of the sub-branch, and be responsible for rationally arranging financial expenditure targets. Conduct financial investigations, analyze and summarize financial expenses, expenses, etc., and provide evidence for strengthening financial management and leadership decisions. Report to the governor on the use of financial funds and the implementation of financial expenses indicators on a quarterly basis, analyze the financial revenue and expenditure, and provide preliminary opinions on the financial arrangements for the next quarter. In conjunction with relevant departments to improve fixed asset management, study and strengthen management measures, plug management loopholes, and prevent financial risks. According to the file requirements of the “Notice of Forwarding the Work of Checking Fixed Assets” issued by the Bank of China, our branch established the deputy governor in charge of financial work as the leader of the group, and the fixed assets inventory team of the relevant person in charge of the office and office was started in April. The fixed assets of the sub-branches shall be thoroughly inspected, and the housing and land property registrations found in the inventory shall be carefully verified, the reasons shall be identified, and the treatment shall be treated differently, and the corresponding accounts shall be adjusted in time according to the requirements of the superior. This fixed asset inventory involves a wide range of contents and comprehensive content. It is a good comprehensive clean-up opportunity for the fixed assets of the sub-branches.
8. Implement the Anti-Money Laundering Law, promote the comprehensive implementation of anti-money laundering work, and take measures to carry out anti-money laundering training and publicity work. Actively participate in various anti-money laundering training organized by superior banks. Strengthen the understanding of the staff of various units on the knowledge of the Anti-Money Laundering Law, guide the financial institutions in the jurisdiction to establish a correct anti-money laundering work concept, and improve the business level of grassroots anti-money laundering staff. Strengthen the propaganda and guidance of anti-money laundering work of commercial banks within the jurisdiction, in order to cooperate with the promulgation of the Anti-Money Laundering Law, effectively enhance the awareness of law-abiding in all sectors of society and expand the social impact of anti-money laundering work. Promote the public's understanding, support, and cooperation with anti-money laundering work. Train anti-money laundering personnel, strengthen the analysis of the information submitted by commercial banks, and track and investigate suspicious transactions.
9. Seriously implement the responsibility system for party style and clean government construction. Timely communication and implementation of the relevant provisions of the party's work style and clean government construction and clean and honest administration, all employees in the business office were actively involved in the party's party style, party discipline and legal education activities, and participated in the unified party style and clean government construction examinations with excellent results. Strictly implement the relevant clean government regulations formulated by the superiors, and consciously abide by the “nine inaccuracies” and inspection disciplines formulated by the sub-branches. Regularly analyze the dynamics of employee behavior, implement corresponding monitoring measures to carry out talks and talks, effectively solve employee's ideological problems, strengthen political business learning, improve the quality of business staff, and strive to create a "learning" collective. The business office focuses on the work focus, adopts flexible and effective learning methods, combines political learning and accounting business work, highlights the pertinence and effectiveness of learning, and strives to create a “learning” collective. The learning content is rich and comprehensive. Through continuous study of the important ideas of "xxxx", the spirit of the party's xx and xx sessions, and the "double civilization" creation activities, we will do a good job in employee dedication and integrity, and improve the political theory of the majority of accountants. Participate in the Bank's organization of business learning, learn the operational procedures of the treasury business, adhere to the theory and practice, and apply what they have learned. Actively organize various training courses organized by the accounting treasury sub-branch and the superior bank. This year, we organized training in the cheque imaging system, account management system, citizenship verification information system, treasury business training, and financial management system.
I. Strengthening the foundation of accounting treasury and improving internal control management This year, the business of the business office has changed greatly. The cheque imaging system has been launched, and the treasury “one household pass” has been launched. The county-level city exchange business and the treasury post-supervision business have been collected in Wenzhou Zhongzhi, the business office. Timely revision of the post responsibility system, and further improve the dynamic management manual for business office posts. The accounting supervisors effectively perform daily supervision duties, pay special attention to on-site dynamic management, and strengthen the dynamic supervision of the seal, the daytime use of important blank vouchers, and the day-end custody. Strengthen the review of the transfer of funds export business, and enhance the timeliness of supervision of accounting executives. Do a good job in internal inspections, comprehensive inspections, strict requirements, and rectify problems to ensure that the internal control system is implemented. Through a series of measures, the quality of accounting treasury accounting has improved significantly.
Second, strengthen the management of the national treasury, and fully build the treasury fund security zone
1. This year's fiscal revenue and expenditure classification reform pilot has been extended from the provincial level to the county level. According to the relevant file requirements of the higher level, the national treasury accounting system will be upgraded, and parameters such as budget subjects and proportions will be correctly set and modified. Timely and accurate handling of the collection, division and reimbursement of budgetary revenues at all levels to ensure that all levels of funds are deposited in full and on time. Focus on the reconciliation work to ensure that the data between the lower and upper levels and the treasury and the collection authority and the financial department are consistent, and the balance of the extra-budgetary accounts is consolidated. According to the regulations, we will set up and fill out various types of registration books, and strictly follow the standardized and standardized management requirements, so that all kinds of books, statements and vouchers are bound neatly and archived on time.
2. Increase supervision over the counter of the national treasury business. In order to ensure the rationalization and standardization of the basic accounting work of the national treasury, a joint meeting of the standardized management of the state treasury, finance, taxation and collection and collection offices will be held, mutual communication and coordination, management from the source, strict examination of external certificates, and elimination of various non-compliance certificates. Such as the payment book, the allocation of the list of subjects, string times, filling irregularities, alterations and other phenomena to correct, through this measure to regulate the use of the taxation department and the tax collection and payment office.
3. Adapt to the reform and development of the national treasury and actively open new treasury businesses. Opened the internal treasury to automatically automate the program, organize special personnel to participate in the training of superior treasury business, assist the scientific and technical personnel to install the program, and ensure the automatic pledge of the internal treasury is smoothly launched. Opened the “one household pass” electronic tax payment system with the local tax department. Coordinating the tax department and the bank side did a lot of preparatory work. For example, the “One Household Pass” electronic taxation leading group set up with the head of the governor is required to do the publicity work for the taxpayer in the local tax, publish the relevant content in the local newspaper, enter the bank and the local tax, and check the relevant information and data of the taxpayer. The party signs the agreement and so on. Due to the comprehensive arrangement and strong measures, the “One-Home” electronic tax payment pilot was successfully deducted on May 16 and was successfully put into storage. It has been fully rolled out. Actively prepare to participate in the Datong City bill exchange, carefully organize the relevant operational procedures, familiar with the relevant business processes and operational interfaces, in order to wait for the superior organization to conduct network testing.
4. Expand the external supervision and management of the treasury business. On the basis of the “row, tax, and library” networking, the company realized the full realization of budget revenue, appropriation, and electronic return processing; the paperless reconciliation and the implementation of online real-time reconciliation. Improve work efficiency, to ensure the safety of the treasury fund as the center, continue to improve the treasury reconciliation system, strengthen the on-site reconciliation work with the tax administration department, and avoid the risk of funds. And strengthen the standardized management of the business of receiving and receiving, to achieve a combination of on-site and off-site supervision. Strengthen the business counseling and training for the personnel of the receiving office, timely convey the relevant archives spirit of the management of the receiving office, promote its knowledge update and business norms, and prevent the occurrence of rejection, extension and transfer of misappropriation of taxes. At the same time, it provides technical support to the receiving office to ensure that the tax reporting system can operate smoothly due to the reform of the fiscal revenue and expenditure account classification.
Third, strengthen services, and constantly improve payment and settlement management and service levels,
1. Vigorously strengthen the business promotion of micropayment systems and check image exchange systems. Strengthen the promotion of the regular loan and credit business of the micropayment system and promote the development of centralized collection and payment business. The construction of the check image exchange system was completed on schedule. According to the unified deployment of the head office, on June 25, XX, the city will go online to run the national check image exchange system. The National Cheque Image Exchange System is supported by image technology, which converts paper checks into image and electronic information, realizes paper check interception, and uses information network technology to transmit check image information to the drawer bank to prompt payment, and realize the check nationwide. A general business processing system. The cheque image exchange system promotes tight working hours and heavy tasks. Strengthen organizational leadership, set up a leading group for the construction of the cheque image exchange system of the Bank, implement the plan, clarify the responsibilities, work tasks and schedule requirements of each department, and prepare the preparations before the system promotion according to the plan. Actively carry out the business and operation training of the cheque image exchange system. Organize the retraining of relevant personnel in the industry to ensure that operators are familiar with various business functions. Organize the preparations for the access to the cheque image exchange system technology and business of all participants in the jurisdiction to ensure that the system goes online on time.
2. Complete the construction of the account management system, do a good job in networking with the identity information system of the Ministry of Public Security, and implement the real-name system of bank accounts. Do a good job in networking with the Ministry of Public Security's identity information system and regulate bank account management. Networking verification of citizenship information is conducive to curbing corruption and bribery, tax evasion, financial fraud, money laundering and other illegal and criminal activities at the source, promoting the development of social credit system and anti-money laundering work, maintaining a normal economic and financial order; The basic management system, sound internal control mechanism, reduce operational risks, fulfill social responsibilities, and continue to develop healthily; it is conducive to the effective protection of the interests of the general public. On June 1st, the online verification citizenship information system was in normal operation in our city.
Fourth, vigorously promote non-cash payment settlement, and the results are not significant.
Organizing banks to choose TV, newspapers and other media to open financial columns, non-scheduled non-cash settlement publicity, promote the basic knowledge of "three votes and one card", launch e-banking products such as online banking, introduce video check system, and pay in small amount The latest financial products such as systems, large-value payment systems, personal checks, etc.; holding large-scale online banking training and promotion conferences, inviting corporate accountants and individual customers who have opened online banking to talk about their experiences and bank personnel to conduct online banking terminal demonstrations. Guide customers to conduct online banking operations; hold bank card promotion meetings, vigorously develop pos machine special merchants, add atm machines, most banks carry out Leica prize-winning activities, create a good environment for cards, encourage personal use cards; all financial Institutional outlets have relevant promotional materials available throughout the year for distribution or request. Main features: All financial institutions above the branch office opened the promissory business. Most financial institutions carried out the “one-stop” service for the promissory notes. The time for the promissory notes was shortened by 5-10 minutes; all financial institutions established The account manager system forms a one-to-one relationship between the account manager and the client, which is beneficial to the account manager's targeted promotion; most financial institution outlets set up a lobby manager to provide guidance services, such as directing small cash withdrawal customers to self-service banking. The unscheduled large-value withdrawal customer will be guided to purchase the promissory note; most banks will move the check, promissory note, bank card transfer and other services to the low-bay area to facilitate face-to-face communication with customers, which will help promote the use of cheques and promissory notes to customers. Non-cash settlement methods; all branch-level financial institutions have set up VIP areas to provide convenient and fast non-cash settlement services to key customers. In June, organized financial institutions to carry out financial knowledge to the countryside, including non-cash settlement knowledge as a key content; in November, organized financial institutions to carry out "four hundred" non-cash settlement special promotional activities, that is, "enter 100 companies Propaganda, “Entering 100 Rural Propaganda”, “Entering 100 Stores for Publicity”, and “Promoting 100 Businesses to Enter Large Professional Markets”. At the same time, in the "×× Daily" timely publicize major financial innovation products, maximize the publicity, and deepen the publicity effect.
By strengthening cash management and vigorously strengthening the promotion and promotion of non-cash settlement, non-cash settlement has achieved remarkable results. The proportion of non-cash settlement is increasing, and its alternative role is becoming more and more obvious. The promissory note business is developing rapidly. Stabilizing the first in Wenzhou County, online business has risen steadily, financial electronic products are moving towards popularization, and bank card business is developing steadily.
1. The proportion of non-cash settlements is getting bigger and bigger, occupying a dominant position. For example, the non-cash settlement amount of ICBC ×× City Branch in January-October XX was 249.5 billion yuan, accounting for 86.6 of all payments, an increase of 9.3 over the same period of the previous year; ABC's January-October was 289.5 billion yuan, accounting for all The total amount of payment was 70.4, an increase of 34.9 over the same period of the previous year; the Bank of China was 62.11 billion yuan from January to October, accounting for 81.2% of all payments, an increase of 4.3 over the same period of the previous year; CCB from January to October was 48 billion yuan. Accounted for 70% of all payments, an increase of 14 over the same period last year.
2. The promissory note business is developing at a rapid pace. According to statistics, the city's financial institutions issued a total of 91,623 promissory notes from January to October, with a total amount of 859,506,560 yuan, an increase of 99.9 and 78.5 respectively over the same period of the previous year. For example, ICBC issued a total of 7267 promissory notes from January to October in XX, with a total amount of 317.846 million yuan, an increase of 137.1 and 206.5 respectively over the same period of the previous year; CITIC Bank issued 3,878 promissory notes from January to October, amounting to 467.19 million yuan. , respectively, increased by 62, 71 over the same period last year.
3. Online banking business has risen sharply. For example, at the end of October XX, the Agricultural Bank of China added more than 8,100 individual online banking and 220 new online banking companies. From January to October, the total transaction volume was 22 billion yuan, and the electronic channel accounted for 46.41. The transaction volume increased compared with the same period of last year. 32.1; Bank of China XX, October, online banking customers more than 10,000 households, January-October transaction volume of 1.5 billion yuan, an increase of 320 over the same period of the previous year; CCB online banking business is also developing rapidly, electronic banking alternative The rate reached 40, of which the transaction volume on the public network from January to October was 4.9 billion yuan, an increase of 80% over the previous year. The personal online transaction volume was 3.2 billion yuan, an increase of more than 50 over the previous year.
4. The use of bank cards has grown steadily. For example, from January to October, the Bank's bank card credits amounted to 42 million yuan, an increase of 87 over the same period of the previous year. CITIC Bank's self-service bank settlements from January to October averaged more than 180 per day, amounting to about 160,000 yuan, compared with the previous year. In the same period, there were more than 70 pens and the amount was about 50,000 yuan.
V. Cooperate with the account checking work of the municipal government administrative institutions, and improve the long-term management mechanism for the special accounts of budget units.
According to the notice of the Wenzhou Municipal People's Government Office, the “Notice of the Municipal Supervision Bureau and other departments on the implementation plan for the bank account clearing and rectification work of Wenzhou City Administrative Institutions” and the requirements of Wenzhou Zhongzhi, the XX Branch actually implemented the spirit of the Notice, October XX From the 1st, it will carry out the verification and verification of all accounts of the administrative institutions under the jurisdiction. On November 7th, XX, “××日报” published the article “Issuing the Bank Accounts of Administrative Units in the City”, widely publicizing the scope and content of this cleanup and rectification, highlighting the supervision and serious discipline. At present, the bank account of the special bank account of the administrative department of XX City has been sorted out, and the relevant account information of the special account has been collected. In conjunction with the long-term management mechanism of the special account of the budget unit of our sub-branch, we will further improve the long-term management mechanism for the special account of the budget unit.
6. Strengthen the intensity of administrative law enforcement inspections. This year, the business office cooperated with the sub-branch's comprehensive business inspection, and carried out on-site inspections of the anti-money laundering and RMB bank settlement accounts of the DX branch and the XX rural cooperative bank. XX Guokuo conducted on-site inspection of the treasury collection business from September 24th to 30th, XX. The state treasury also cooperates with the XX Municipal Finance Bureau. The head of the treasury is the head of the treasury. The backbone of the treasury business is the chief investigator. The two directors of the Joint Finance Bureau are responsible for the formation of the inspection team. June 27-July 6, XX The 11-day on-site inspection was conducted on the seven non-tax revenue remittance accounts of the seven correspondent banks from December XX to January XX. Through on-site inspection, the corresponding inspection and rectification inspection and appropriate punishment results are proposed, and strict administrative law enforcement is carried out.
Seventh, strengthen financial management, comprehensively clean up the fixed assets of the sub-branches, and strictly enforce the financial discipline. Carefully prepare and adjust the financial revenue and expenditure budget of the sub-branch, and be responsible for rationally arranging financial expenditure targets. Conduct financial investigations, analyze and summarize financial expenses, expenses, etc., and provide evidence for strengthening financial management and leadership decisions. Report to the governor on the use of financial funds and the implementation of financial expenses indicators on a quarterly basis, analyze the financial revenue and expenditure, and provide preliminary opinions on the financial arrangements for the next quarter. In conjunction with relevant departments to improve fixed asset management, study and strengthen management measures, plug management loopholes, and prevent financial risks. According to the file requirements of the “Notice of Forwarding the Work of Checking Fixed Assets” issued by the Bank of China, our branch established the deputy governor in charge of financial work as the leader of the group, and the fixed assets inventory team of the relevant person in charge of the office and office was started in April. The fixed assets of the sub-branches shall be thoroughly inspected, and the housing and land property registrations found in the inventory shall be carefully verified, the reasons shall be identified, and the treatment shall be treated differently, and the corresponding accounts shall be adjusted in time according to the requirements of the superior. This fixed asset inventory involves a wide range of contents and comprehensive content. It is a good comprehensive clean-up opportunity for the fixed assets of the sub-branches.
8. Implement the Anti-Money Laundering Law, promote the comprehensive implementation of anti-money laundering work, and take measures to carry out anti-money laundering training and publicity work. Actively participate in various anti-money laundering training organized by superior banks. Strengthen the understanding of the staff of various units on the knowledge of the Anti-Money Laundering Law, guide the financial institutions in the jurisdiction to establish a correct anti-money laundering work concept, and improve the business level of grassroots anti-money laundering staff. Strengthen the propaganda and guidance of anti-money laundering work of commercial banks within the jurisdiction, in order to cooperate with the promulgation of the Anti-Money Laundering Law, effectively enhance the awareness of law-abiding in all sectors of society and expand the social impact of anti-money laundering work. Promote the public's understanding, support, and cooperation with anti-money laundering work. Train anti-money laundering personnel, strengthen the analysis of the information submitted by commercial banks, and track and investigate suspicious transactions.
9. Seriously implement the responsibility system for party style and clean government construction. Timely communication and implementation of the relevant provisions of the party's work style and clean government construction and clean and honest administration, all employees in the business office were actively involved in the party's party style, party discipline and legal education activities, and participated in the unified party style and clean government construction examinations with excellent results. Strictly implement the relevant clean government regulations formulated by the superiors, and consciously abide by the “nine inaccuracies” and inspection disciplines formulated by the sub-branches. Regularly analyze the dynamics of employee behavior, implement corresponding monitoring measures to carry out talks and talks, effectively solve employee's ideological problems, strengthen political business learning, improve the quality of business staff, and strive to create a "learning" collective. The business office focuses on the work focus, adopts flexible and effective learning methods, combines political learning and accounting business work, highlights the pertinence and effectiveness of learning, and strives to create a “learning” collective. The learning content is rich and comprehensive. Through continuous study of the important ideas of "xxxx", the spirit of the party's xx and xx sessions, and the "double civilization" creation activities, we will do a good job in employee dedication and integrity, and improve the political theory of the majority of accountants. Participate in the Bank's organization of business learning, learn the operational procedures of the treasury business, adhere to the theory and practice, and apply what they have learned. Actively organize various training courses organized by the accounting treasury sub-branch and the superior bank. This year, we organized training in the cheque imaging system, account management system, citizenship verification information system, treasury business training, and financial management system.
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