City Credit Union's financial management work summary from January to June 2019

In a blink of an eye, the work in the first half of 2019 is about to end. In the first half of the year, the work of our city's credit unions went very smoothly, and overall, the goals and tasks set before were successfully completed. In the second half of the year, we must continue to adhere to the work style of the first half of the year, and continue to work hard to do the work in the second half. The summary of the work in the first half of the year is also to lay the foundation for the work in the second half of the year:

The Association closely focuses on the relevant spirit of the higher-level banks and the "Measures for the Implementation of Financial Management of Rural Credit Cooperatives". Based on the principle of "capacity control, efficiency first", the Company strengthens cost awareness, actively expands channels for income increase and expenditure, compresses expenses and increases accounting. Accounting level and operating efficiency, the financial management work from January to June is summarized as follows:

I. The completion of the indicators issued by the municipal office

1. The balance of various deposits was 223.35 million yuan, a net increase of 223.25 million yuan compared with the beginning of the year, an increase of 11.1%, accounting for 106.31% of the city's annual distribution plan of 210 million yuan.
2. The balance of non-performing loans decreased by 89.74 million yuan compared with the beginning of the year. The proportion of non-performing loans was %, a net decrease of 15% from the beginning of the year, and 69% of the city's annual distribution plan of 130 million yuan.
3. The increase in interest income was 2.33%. The loan interest rate was 1.52%, which was 1.78 percentage points lower than the municipal allocation plan.
4. The comprehensive expense ratio is 28.67%, and the annual plan for the allocation of supermarkets is 0.84 percentage points.
5. Book profit.

Second, financial management work summary

1. Carefully calculate the financial revenue and expenditure plan, reasonably set the business target at the beginning of the year, based on the guiding principle of “benefit first”, based on the previous year’s financial revenue and expenditure, in February, the companies will be accounted for in a timely manner and set up reasonably. For each financial indicator, the “2010 Rural Credit Cooperatives Financial Revenue and Expenditure Compilation Plan” and “... Rural Credit Cooperatives’ 2010 Annual Income and Profit Task Allocation Table” were prepared. The agencies have defined their business direction and responsibility objectives.

2. Strengthen internal control construction and block economic cases.

From May to June, the organizations and departments of the organization organized the "standardized management of accounting files" activities, and timely established a leading group led by Yao Jinsheng, the director of the Associated Press. The activities were divided into four price segments, namely the first phase: May 1 to On May 15th, the organization organized and self-examination stage for each society; the second stage: from May 16th to June 31st, the organization organized the rectification stage; the activity was implemented in the percentage system, and the top three scored above 90 points, respectively, rewarded 1000. Yuan, 800 yuan, 600 yuan; the last three scores below 80 points, respectively, 800 yuan, 600 yuan, 400 yuan, and the city reported criticism, limited time rectification.

In order to clarify the internal management responsibilities and raise the sense of responsibility of the heads of the various classes, in March, the company signed a “Responsibility Letter for the 2010 Rural Credit Cooperatives in the Urban Residents Society” in time to clarify the responsibility objectives and assessment methods.

In order to do a good job in the management of valuable documents and important blank certificates of credit agencies and business outlets in the city, and to eliminate hidden dangers in operation, in addition to requiring all credit cooperatives and ministries to strictly implement the “Measures for the Management of Valued Documents and Important Blank Voucher for Rural Credit Cooperatives”, It also requires adherence to the monthly cross-extraction system. In April, the organization organized the government's rural credit cooperatives to re-examine and use the important blank vouchers in each link in 2010, and signed a letter of responsibility with the people and managers to clarify management responsibilities; The important blank vouchers and the management of the use of the valuable documents were thoroughly examined to further eliminate operational risks.

In order to do a good job in the 2010 accounting work, to reflect the operation status and operating results of rural credit cooperatives in a true, accurate and complete manner, in March, the “2010 Annual Accounting Quality Assessment Measures” was issued in a timely manner, that is, each agency was hosted by the accounting People take out 200 yuan each month to participate in the assessment. The accounting quality is based on the percentage system. The specific assessment content is: report quality 35 points, each retention 30 points, accounting information 15 points, report seal 10 points, report soft disk 10 points, monthly accounting work according to the proportion of total score The quality assessment salary is 50 yuan, 30 yuan, 20 yuan for the scores of the top three winners, and the last three are respectively responsible for accounting 50 yuan, 30 yuan, 20 yuan, and the quality of each social work is reported quarterly. Ensure the authenticity and compliance of the accounting in XX, and promote the operation and accounting of credit unions in the city to a higher level.

3. Deepen financial management, standardize financial behavior, maximize revenue and reduce expenditure

Reduce the occupation of non-interest-bearing funds and increase the utilization of funds. For other receivable accounts, the management principles of “first declaration, after-issuance, who handles, who is responsible for clean-up” will continue to be implemented. The joint social sciences department will establish accounts for all credit unions and other receivables, track and supervise, and clean up within a time limit. From September to September, the company cleared and retired all types of temporary loans of 2.07 million yuan and cleaned up business turnover of 410,000 yuan.

Based on the experience of the dual management of financial expenses in the previous year, combined with the actual situation of this year's reform, we will deepen the financial management measures of “capacity control, efficiency priority, collection and payment, over-approval, over-limitation, financial disclosure, and democratic financial management”. The financial indicators of this year will be refined to the monthly level, implemented at various levels, and the monthly assessment will be carried out, and the “Detailed Schedule of Special Expenses for the 2019 Rural Credit Cooperatives” will be issued in time for the profit this year. The smooth realization of the painting lays the foundation.

In order to standardize financial expenditure behavior, the “Measures for Financial Management of Rural Credit Cooperatives in the City” was issued in a timely manner, and the scope, standards, approval and approval rights, procedures, and penalties for violations of financial expenditures were detailed and standardized. The Financial Approval Leading Group has implemented pre-declaration of large-scale expenses, and will study and manage the open bidding. In March, for the first time, 14 fax machines deployed by various agencies were openly bidding, each of which was 382 yuan less than the market price. In May, the company purchased the printers and money counters for the west of the city, Chengguan, etc., and each market price was higher than the market price. Less than 330 yuan, 200 yuan; in June, the 35 sets of file cabinets purchased for public bidding, each group is 60 yuan less than the market price; at the end of August, 17 cars of the loss-making society of the city were sealed and sold, and the vehicles that the companies need to keep are The management method of 100-kilometer fuel consumption limit and centralized designated factory repairs, from March to September, the city's banknote currency transportation fee was 260,000 yuan less than the same period last year.

Reduce agency business and reduce cost. In March, after thorough investigation, 181 credit stations in the city were cancelled. 42 credit stations to be reserved were signed with the directors of each agency, and a risk guarantee of 10,000 yuan per station was paid. In April, the company organized customers in the city. The amount of the manager's association was checked, and the accounts of the association were established on a case-by-case basis and on a person-by-person basis. The supervision and supervision were carried out, the operating costs were reduced, the loan officer's loan and the interest-receiving credit station were eliminated. At the same time, the hidden dangers were also reduced.

The work in the first half of the year was so smooth, let us have a better expectation for the work in the first half of the year! After all, the work of the work, not only the impact of the financial crisis, but also the invasion of swine flu, has caused a lot of trouble in our country's production, but we have all overcome, it is worthy of our development.

In the second half of 2019, the work of our city credit union can get better progress!