Summary of bank credit work

In the first half of the year, under the unified arrangement of the leadership and the credit department of the xx sub-branch, the whole bank worked together to accelerate the development of the theme, to expand the scale of deposits and loans, improve asset quality, and strengthen credit management. Focus, based on the implementation of various credit systems, after the “very dedication 6+1” in the first quarter and the “Star Avenue” in the second quarter, the operating performance of xx branches has grown steadily. By the end of June, the sub-branch The balance of various deposits was 213.07 million yuan, an increase of 21.45 million yuan over the beginning of the year; the balance of various loans was 113.44 million yuan, an increase of 25.27 million yuan over the beginning of the year, and the deposit-loan ratio was 53%; the balance of non-performing loans was 16,000 yuan, down by 0.9 million yuan from the beginning of the year; The amount of bank acceptance bills was 88.49 million yuan; the amount of cash paid was 55.07 million yuan; the interest income was 5.84 million yuan, and the profit was 3.77 million yuan in half a year. The target tasks assigned by superiors were fully completed, and credit management was gradually moving toward standardization and institutionalization.

First, earnestly implement policies, strictly follow the requirements of standardized management, and earnestly strengthen the basic work of credit to ensure that all indicators are completed.

In the past six months, the Bank has earnestly studied and profoundly understood the spirit of the head office meeting and archives, analyzed the situation in a timely manner, conscientiously implemented policies, strictly regulated enterprises, standardized internal management, and effectively prevented risks, which not only improved the level of credit management but also ensured that the year was completed. Each business responsibility assessment indicator lays a solid foundation.

In the loan placement, the sub-branch pays close attention to the loan risk management. The specific measures adopted are: (1) Strictly implement the “Guidelines for Credit Risk Control” issued by the head office to further control the credit risk and standardize the credit behavior. Strictly pre-lending investigation, review and approval procedures, and the scope and requirements of pre-lending investigations of credit officers to ensure that credit investigation materials are true and effective. (2) Strictly control the credit risk, strictly implement the credit risk prevention and control management system, comprehensively implement the separation of trial and loan, standardize the loan review meeting, implement the loan review meeting system, hold meetings in strict accordance with the procedures of the loan review meeting, and clarify the main responsible persons of each link. Duties. Conduct post-loan inspections in a solid and meticulous manner, regularly and irregularly check and analyze the business conditions and collateral status of the company, and carefully report the post-loan management form. We will do a good job in the five-category classification of loans, and formulate specific operational implementation rules for the five-level classification to classify customers, thus improving the quality of credit management. For working capital loans and discounted loans, the acceptance drafts strictly implement the unified format of the investigation, examination and approval procedures required by the head office in the process of reporting and approval, and effectively control the credit risk from the source. Actively cooperated with the Credit Department of the Head Office to do a good job in credit inspection. No violations were found during the inspection, and the credit work was affirmed and praised.

Second, through the leverage of credit, seize market share, expand the strength of funds, and enhance the development of stamina.

In the first half of the year, our sub-branch continued to make a fuss about opening up credit business, conducting credit marketing, and actively organizing deposits. We will do a good job of returning visits to large households, pay close attention to and master the operation and operation of the loan units, and vigorously organize deposits. Develop business and tap customers.

1. In the first half of the year, the Bank's credit funds were mainly invested in high-quality enterprises and large and medium-sized projects, and continued to focus on supporting high-quality enterprises with good credit, good management and good efficiency, such as Zhonglian Julong Cement Co., Ltd., Yiren City Construction Co., Ltd. Ma Real Estate Co., Ltd., etc., used this part of the loan as an important strategic measure for the Bank to adjust the credit structure, diversify credit risk, seize market share and maintain sustainable development, and the credit structure was further optimized. Moreover, by optimizing the credit structure and the correct delivery of credit funds, our bank's quality customers are increasing. It not only reduces operational risks, but also achieves good social benefits.

2. In the first half of the year, the Bank adhered to diversified business development, accelerated the development of bill discounting business, and focused on increasing the amount of credit for quality customers, which not only reduced the overall risk of loans, but also brought in substantial interest income, with relative The implementation of independent accounting has significantly improved economic benefits. From January to June this year, the interest income was 5.84 million yuan, which exceeded the annual income level of the whole year and realized a profit of 3.77 million yuan, effectively expanding the financial strength and enhancing the development potential. Development momentum

Third, increase credit marketing efforts, continuously develop business space, and accelerate the pace of business development.

1. In the first half of the year, the Bank has made certain breakthroughs in the development of credit business, especially in the aspect of automobile consumer loans. The Bank also paid special attention to strengthening cooperation between banks and enterprises and coordinating and handling the relationship between banks and enterprises. According to the development of form and the actual needs of work, we will actively carry out investigations and studies, exchange information with enterprises, strengthen understanding and cooperation, negotiate ways to solve problems, increase support for enterprises, and build a new relationship between banks and enterprises. In March, the Bank and the City Automobile Sales Co., Ltd. held a silver-enterprise networking event. Through activities, the Bank strengthened communication and understanding between banks and enterprises, and established a deep-level bank-enterprise partnership.

2. In the first half of the year, the Bank further improved its understanding of credit marketing, continuously promoted the construction of civilized credit projects, maximized market share, established a solid customer base, increased marketing efforts for individual private economy and individual residents, and selected credit. Individual enterprises and urban residents with good repayment ability are the target of credit marketing of our bank, combining credit marketing with green civilization credit ecological engineering, and creating a unique credit marketing through a series of social civilization credit creation activities. Brand.

Third, establish a sound internal management mechanism, business operations in an orderly manner, improve work efficiency, and promote business development.

While continuously strengthening and improving daily credit work, the Bank also focuses on strengthening the business learning of credit officers so that they can be handy in business operations and improve work quality and work efficiency. Do a good job in the archiving of credit data and various carry-overs, implement one-to-one file, and establish a complete system of customer information files for timely review and recall. For credit accounts and statements, the data can be fully and accurately reflected, reports can be reported in a timely manner, credit registration work can be done, and information can be provided in a timely manner. While doing a good job of management, the Bank has continued to strengthen its service awareness, improve its service methods, actively carry out high-quality and civilized services, establish a "window" image, serve to retain depositors, attract deposits with enthusiasm, and always take the customer as the spirit of God's philosophy. To better serve our customers, improve our external image, and promote business development with quality services.

Fourth, the second half of the work ideas

1. Based on the current situation, we will do a good job in all stages of work. On the basis of the first half of the year, we will start in the second half of the year.

In the second half of the year, we must do a good job in the arrangement and implementation of various credit businesses. For the projects that have been intent in the first half of the year, we will strive to do a good job in the second half of the year. For example, we must do a good job in the mortgage business of Xingang International and Huayin Real Estate. Good big households return to work, strengthen the statistical work of loan enterprises to withdraw funds, consolidate old customers, develop new customers, comprehensively carry out credit marketing work, and strive to complete various tasks of credit business.

2. Do a good job in corporate credit rating and provide a scientific basis for credit decision-making.

Seriously investigate and verify the company's situation, carry out the enterprise credit rating work, study hard, and deeply understand the relevant file and the credit rating and management methods of the head office, and strictly follow the unified standards and calculation methods stipulated by the head office to ensure objective, fair and accurate assessment. The credit rating of the enterprise truly reflects the business management, financial status and credibility of the enterprise, and establishes the basic basis for the Bank to measure the risk tolerance of the account opening enterprise and implement the credit access mechanism.

3. Summarize experience and strengthen management.

Further strengthen the credit base management work and strengthen credit according to the inspection requirements of the credit department of the head office

Management of file integrity, accuracy, compliance and confidentiality, establishment and improvement of credit business ledgers, credit accounts, collateral collateral books and non-performing loan supervision ledgers. Establish the best combination of branch management and management objectives to ensure that the asset quality of the branch is always stable.

Although the work in the first half of the year has achieved certain results, there is still a certain distance from the leadership requirements. We have calmly analyzed the shortcomings. First, the standardization management of the business needs to be further strengthened. The system regulations should be fully implemented in all aspects of the business work. Second, the scope of business development needs to be continuously expanded, and the fields involved should be broader and deeper to promote business. Continue to develop.

The above questions will be the focus of our work and improvement in the future. In the future, we will strictly strengthen management, continuously develop new areas of business, and meet strict requirements of high standards. Under the correct guidance of the leadership and credit department, we will continue to improve and improve. Do a good job in the tasks of the second half of the year.