Credit Union's work summary for the second quarter of 2019

In a blink of an eye, the work in 2019 is over halfway. During this half year, the work of our Credit Union has been going very smoothly. In the first two quarters, our work has been continuously improving, the second quarter. The work was steady and rising compared with the first quarter, showing the good growth of the county economy.

In the second quarter of 2019, the county association was guided by the work of the provincial and municipal associations in 2019, combined with the actual situation of the county credit cooperatives, based on the careful analysis of the previous year's work performance and deficiencies, focused on the central bank's special bills and support. The work of local economic development has been carried out, and various tasks have achieved initial results. The work in the second quarter is summarized as follows:

Main work completion indicator

1. Completion of business indicators

As of June 30, 2019, the credit balance of our county credit cooperatives was 10,000 yuan, an increase of 10,000 yuan compared with the first quarter, the completion of the quarterly tasks, and the completion of the annual task; the balance of various loans was 10,000 yuan, compared with the first In the first quarter, the amount of non-performing loans was 10,000 yuan, which was 10,000 yuan compared with the first quarter. The net pressure was 10,000 yuan, accounting for %, and the percentage of completed tasks for the whole year was 10,000 yuan compared with the first quarter. % accounted for % of the year's tasks; realized income of 10,000 yuan, including interest income of 10,000 yuan, completed the year's task; the balance of shares was 24.06 million yuan, an increase of 10,000 yuan over the first quarter, capital The adequacy ratio is %.

2. Management indicators completed

In 2019, our company carried out the work in strict accordance with the annual work points formulated by the higher level associations and our society, ensured the steady operation of various businesses, and actively promoted the “five lectures, five trees and five leapfrogs” learning and education activities carried out by the provincial associations, employees. The quality has been further improved, and the spirit of the “Three Thousand and Three Hundreds of Benefits of Agriculture and Agriculture” proposed by the Provincial Credit Union Professional Management Conference has been thoroughly implemented. The evaluation of credit villages and credit markets within the jurisdiction has been carefully organized, and a good internal and external environment has been created. The successful implementation of the project targets laid a good foundation.

Main work completion and measures

1. Centralized savings transplantation and standardized deposit management. In order to improve efficiency, reduce costs, and standardize management, we have transplanted the manual savings deposits handed over from the credit agency stations. From the 15th to the 15th of the first day, the county will have about 160,000 yuan in two months. Pen, 850 million yuan of manual deposits were all transplanted into the computer management, realizing that there is no manual deposit certificate in the county, and about 280,000 manual deposit receipts are all registered and recovered. The plan is destroyed in the near future after verification.

2. Seriously sum up experience and arrange work early. In order to smoothly realize the goals of our society in 2019 and ensure that the central bank's special bills are paid as scheduled, we arranged for the second quarter of work on January 11 and held the county credit union on January 23, 2019. The working meeting summed up the work in 2019, commended and rewarded advanced collectives and individuals, and focused on the tasks of 2019. At the meeting, the leaders of the association signed the "2019 Work Target Responsibility Letter" and the "Case Prevention and Three Prevention and One Protection Responsibility Letter" with the responsible persons of the credit cooperatives, and implemented various indicators to the society, requesting the agencies to arrange payment arrangements around the bill this year. The work is guaranteed to be redeemed as scheduled in September this year.

3. Strict performance is honored and rewards and punishments are implemented. At the beginning of 2019, we passed the audit review and based on the “Non-Loan Loan Collection Responsibility Letter” signed at the 2019 peak season work conference, the last XX credit director was eliminated, and the employees of the whole jurisdiction, especially the credit union executives. A certain deterrent effect has been achieved, and the employment system of "the ability to go up and the mediocrity" has been implemented, breaking the bad habits of cadres.

4. Open positions for competition and standardize the employment system. In order to better serve corporate customers within the jurisdiction, our county association has established a customer department, which is mainly responsible for the credit service work of corporate customers in the county. In the determination of the director of the client department, we adopted the method of publicly hiring and selecting the best candidates. On February 18th, we held a competition meeting, took a live speech, voted democratically, and publicly counted the votes. The name and deputy director of the two divisions also produced the directors of Jizhuang, Nanzhuang Credit Union and the head of the Associate Business Division due to personnel adjustment and final elimination of vacancies.

5. Implement a double assessment and break down tasks on a quarterly basis. In 2019, we adopted the annual and quarterly double-percentage assessment method, and sent each task index to each society on a quarterly basis, and extracted 300 yuan from each employee's file salary every month, and advanced from the annual benefit salary. 300 yuan, a total of 600 yuan as an ergonomics linked assessment fund. According to the completion of the quarterly business operation indicators of each society, the percentage assessment is carried out, and the remaining benefit wages participate in the annual percentage assessment. Through the implementation of the double-percentage assessment method, the annual task will be decomposed quarter by season, and gradually change the situation of “nothing in the off-season and dry in the peak season” in our county, which can alleviate the repayment pressure of the creditors and reduce the work at the end of the year. Intensity can also speed up capital turnover and increase efficiency, with three gains.

6. Implement the policy of benefiting farmers and create credit projects. The “Three Thousand and Three Hundreds of Hui Nong Projects” proposed by the Provincial Associated Press is highly valued by the County Association, carefully organized and implemented steadily. Based on in-depth investigation and research, it plans to create five provincial-level standard credit villages to support 13 A county-level economic enterprise, in which two high-end customers are marketed, and three core customers are cultivated to drive farmers to increase their income and provide more jobs for farmers. Create a credit market, support 3 farmer professional cooperatives, provide credit support for 50,934 farmers, 5 new rural construction pilot villages, and strive to create 2 credit towns to make new and better development of the county's rural economy. contribution.

7. Increase capital investment and support the local economy. In order to effectively support the development of the local economy, our agency has issued the “×× County Rural Credit Cooperatives to Support SMEs and Local Economic Development Programs” to support high-quality customers within the jurisdiction and set up customer departments to serve corporate customers. Up to now, a total of 10,000 yuan of corporate loans have been issued, which has strongly supported the development of small and medium-sized enterprises and the local economy, and has made due contributions to the construction of a new socialist countryside in our county.

8. Strengthen learning and education to improve the quality of personnel. In order to comprehensively improve the quality of our staff, we have launched a vigorous learning activity in the county credit cooperative system according to the “Five-Speaking Five-Trees and Five-Leaping Learning and Education Activities Implementation Plan” issued by the Provincial Association, and formulated according to the actual situation of our society. In the second half of the year, the follow-up activities of “five stresses, five trees and five leapfrogs” will be carried out, namely, “three studies”: “learning laws and regulations, standardizing business behaviors; learning internal control, standardizing operational behaviors; learning professional ethics, standardizing service behaviors” The “three norms” activities, the development of strict assessment measures, and plans to take the test in October 2019, the test scores and benefits wages and positions linked to ensure that the learning and teaching activities are effective.

9. Strengthen skills training and build a barrier to prevention. In order to ensure the realization of the "eight no" goal of safety and security formulated at the beginning of the year, the county association signed the annual "three defenses and one insurance" target responsibility letter and the joint defense agreement at the beginning of the year , and paid close attention to the qualification examination of key personnel. Jointly with the county public security department to review the key personnel of the county, and conscientiously implement the spirit of the special administrative work conference held by the provincial association on March 6th. On March 21, organize the staff of the association and the chairman of the credit union, the chief accountant, etc. A total of more than 70 people watched the video of the special governance conference of the case and enhanced their awareness of safety and security. At the same time, in order to effectively improve the fire protection skills of the credit union employees in the county, ensure the personal and property safety of the credit union employees, and reduce the property damage caused by the fire, the county association organized a “fire safety knowledge training meeting” on January 13, 2019. The hiring of the county fire brigade commander was the main lecturer, and the fire protection knowledge was explained for the firefighting personnel of each society, and the live demonstration was carried out to enhance the operability.

The work in the first and second quarters of 2019 has ended. In the previous two quarters, the work of our credit union has risen steadily. This is a very good signal that our county's economy is in financial crisis. Under the blow, it began to slowly recover from the previous development. In the following work, the work of our credit union will continue to work hard to help our county's economy develop rapidly and effectively. We believe that the economic development of our county will return to the highest level in history for a period of time!