Summary of the credit year of the 2019 credit year

In a blink of an eye, the work in 2019 is about to end. In the course of one year's work, the work of our city's quota association has been going very smoothly. Overall, the goals and tasks set before have been successfully completed, so in the future. In the work, we must continue to adhere to this year's work style, continue to work hard to do the work in the second half. The work summary of 2019 is also made to lay the foundation for next year's work.

The Association closely focuses on the relevant spirit of the higher-level banks and the "Measures for the Implementation of Financial Management of Rural Credits", in line with the principle of "capacity control, efficiency first", strengthens cost awareness, actively expands channels for income increase and expenditure, compresses expenses, and improves accounting. The accounting level and operating efficiency are summarized as follows:

I. Completion of various credit indicators

1. Effectively controlled the scale of various loans. As of the end of XX, the balance of various loans was XX yuan, which was increased by XX yuan compared with the beginning of the year, and the growth was XX%, which increased by XX million yuan year-on-year. Loan increment task × × 10,000 yuan × ×%. Among them: the balance of agricultural loans × × 10,000 yuan, increased by × × 10,000 yuan from the beginning of the year, growth × ×%, increased by × × 10,000 yuan, accounting for × ×%; rural industrial and commercial loan balance × × 10,000 yuan, increased from the beginning of the year × × 10,000 yuan, an increase of XX yuan over the same period of the previous year, accounting for × ×%; other loan balance × × 10,000 yuan, compared with the beginning of the year decreased × × 10,000 yuan, a year-on-year increase of × × 10,000 yuan, accounting for × ×%.

2. Loan interest income has grown steadily. At the end of XX, the loan interest income realized XX million yuan, an increase of XX million yuan over the same period of the previous year, and the completion of the annual income-receiving task × × 10,000 yuan × ×%.

Second, the development of credit work

1. Focus on supporting agriculture and adhere to the direction of agricultural services.

Based on the actual situation in the region, we will give full play to the status of rural finance main force and bridges and ties in the rural quota society, and focus on management and service to support the adjustment of agricultural production and rural industrialization. In XX, the city suffered from history in 2005. In the rare bird flu disaster, the farmers in the city suffered heavy losses. In order to restore the poultry production, we invested a lot of money. By the end of XX, we put in the poultry loan × × 10,000 yuan, including: support the construction of provincial-level high-standardized breeding community × ×, has been put × × million; this year the county new Expansion of high-warm shed × × 10,000 mu, only Qingzizi Town will increase × × mu, of which × × mu contiguous high temperature shed × ×, the total investment per mu shed is about × × 10,000 yuan, the amount of social housing for each shed The loan was 10,000 yuan, and a total of 10,000 yuan was loaned.

We implement a regular, fixed-point, and loan-based service system to facilitate farmers. The XX jurisdiction has a loan officer × × person, and each loan officer has at least XX villages. Farmers often worry about finding a loan officer during the busy season, in order to ensure that loans are timely distributed to farmers, they According to the wishes of farmers, a system of regular, fixed-point and fixed-loan services has been established. In terms of credit services, work ideas have been changed, loans have been launched in multiple channels and in multiple forms, and farmers have been enthusiasticly served. A total of 10,000 yuan of agricultural loans were put into operation throughout the year, with emphasis on supporting the development of the three leading industries of vegetables, fruits and aquaculture, so that the planting area of ​​shed vegetables in the city will be expanded to XX million mu, and the fresh fruit reserves will reach XX million kilograms. The amount of sheep and poultry sold reached XX, 10,000, 10,000, 10,000, 10,000, which effectively promoted the pace of agricultural industrialization, county economic development, peasant income, rural stability It has made due contributions and accelerated the pace of XX City's “enriching the people and strengthening the market and raising the file”.

2. Supporting the production of spring ploughing at the beginning of the year, in order to grasp the first-hand information on loan this year, we proceeded from the actual situation in the region, according to the deployment and arrangement of the XX municipal government in agriculture, and the spring farming production and industrial structure of various towns and towns in XX city. To adjust and establish the funds required for projects such as high-standard breeding communities, and conduct detailed investigations on the demand for agricultural production funds in various towns and towns in X City. The survey results:

In 2019, the amount of gold required for spring farming in our city is around XX yuan. among them:
The demand for food crop production funds is about XX yuan;
The demand for oil crop production funds is about XX yuan;
The demand for cash crop production funds is about XX yuan;
The demand for vegetable production funds is about XX yuan;
The production capital requirement of other projects is ××10,000 yuan.
In the total capital demand × × 10,000 yuan, farmers self-financed to solve × × 10,000 yuan, other financial institutions loans × × 10,000 yuan, the amount of the government to put XX million loans to support.
Since the existing capital capacity of the association cannot meet the needs of farmers' production funds, the funding gap is 10,000 yuan. In order to solve the contradiction between supply and demand of agricultural production credit funds and ensure the smooth progress of spring farming, we actively communicate with the people's banks at the city and county levels. Reported the demand for agricultural production funds, and received strong support from the people's banks at the city and county levels. In XX, we won the maximum amount of XX yuan for the XX Bank of the People's Bank of China to fully meet the needs of farmers' production funds.

3. Supporting the adjustment of industrial structure The operation and development of rural quota society cannot be separated from the strong support of governments at all levels. However, the support of the government should not be passive acceptance, nor can it simply be reached, but in collaboration. Mutual benefit and mutual support. The key to our ability to work with the municipal government is to lay the foundation for collaboration and find the basis. Our common thread is to promote the overall development of the rural economy. Only when we do a good job in supporting the development of the rural economy and the county economy, and strive for more support from the government and help, can we get a greater inclination from the government. Therefore, our credit work adheres to the government's development focus as the support focus, and the municipal government proposes “one production and foreign trade”. We actively support agricultural processing enterprises and export agricultural projects, and the investment of XX million yuan supports Tiefeng Mu The joint ventures of companies such as industry and Wangfa aquaculture have supported new agricultural enterprises such as XX and leading agricultural enterprises such as XX, which have promoted the development of agriculture to the ocean; the government has proposed that “two productions are stronger” and we are investing in loans. 14 million yuan, vigorously support XX and other technology-based, tax-making enterprises; the government proposed "three productions become bigger", we put XX yuan to support farmers' transportation, commodity marketing and urban construction, road construction and tourism development, etc. The project has provided strong financial support for the government's economic operations.

4. Actively promote the small-scale loans of farmers, the farmer's joint guarantee loans and quota households, and the quotas for villages and towns.

We insisted on improving services and improving the quota environment, with farmers as the main target, turning the guarantee mortgage loans to farmers into small-scale loans and joint guarantee loans to farmers, and placing small-scale loans for farmers in the whole year × × 10,000 yuan, farmers Joint guarantee loan × × million. The issuance of these loans effectively solved the shortage of farmers' production funds. According to the Interim Measures for the Management of Small-Scale Loans for Rural Households, combined with the actual situation in the region, the management methods for small-scale loans were further improved, and the economic files of farmers were generally established. And according to the farmer's business projects and credit status, the quota of small-scale loans has been expanded, and it is controlled from XX yuan to XX yuan. There are XX households in the city who have received loans from the quota social security, accounting for XX% of the number of farmers who need loans. A total of 3,000 townships and townships were awarded, and the number of villages was XX, and the number of households was XX. The number of 10,000 rural households in the city was supported by the small amount of loans of the quota society, effectively solving the problem of difficult loans for farmers. Meet the satisfaction of farmers and the satisfaction of the government.

In 2019, the Credit Management Department of the XX Associated Press took the credit management year proposed by the Provincial Association as the starting point, focused on risk prevention, strengthened loan management, and clarified loan responsibilities. Through the joint efforts of the credit employees under the jurisdiction, the credit management indicators have been successfully completed, the quality of credit assets has been significantly improved, and the steady growth of various operating benefits has been promoted.

In the future work, we will continue to strengthen learning, take the initiative to transform, meet the challenges; comprehensively improve service standards, help customers profit, and improve customer loyalty. Strengthen the ability to think in the brain, think more ways and innovation in the work; strengthen the ability of organization and coordination;

Through continuous efforts and continuous hard work, we have achieved remarkable results in our work, and have been encouraged and recognized by superior leaders and the community. However, the requirements from the higher authorities are still far from each other. Some aspects still have shortcomings, but I will not fear Difficult, will do their utmost, do their own work as always, overcome the difficulties and pressures brought by the economic crisis, grasp the difficulties, take the responsibility of safeguarding the overall situation of the state finance, and create a new path in line with the national economic development, and strive Improve the credibility of the quota society, strengthen management, and contribute to the development of the quota society and the expansion of the society.

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