Summary of year-end work of bank branches
Since the beginning of this year, our ___ sub-branch has closely focused on the strategic objectives of the “high-profit and big-profit” of the higher-level branches, and has concentrated on expanding the three bases, and has been diligently digging for profit-making resources, so that our business situation has been completely reversed. The city is listed first. The following is the completion of several major indicators of our bank this year:
1. The growth of various deposits is stable. At the same time that our outlets continue to withdraw and shrink, the annual increase in deposits is still as high as 40 million yuan, and the total deposits have reached 360 million yuan. Among them, the savings deposit increased by 36 million yuan, the balance reached 300 million yuan; the net deposit of public deposits was 7 million yuan, and the balance was 50 million yuan; the interbank deposits were affected by the increase in the amount of loans at the end of the year, which was 3 million yuan lower than the beginning of the year. The balance is 6 million yuan.
2. Operating profit is improving. The book profit loss is 10,000 yuan, plus the interest payable red character of 760,000 yuan, considering digesting the historical burden of 10,000 yuan, the actual loss is 10,000 yuan, compared with the caliber, reducing the loss by 10,000 yuan.
3. The decline in non-performing loans was obvious. Non-performing loans were reduced by 6 million yuan according to the five-category classification, accounting for 159% of the branch's annual task of 3.78 million yuan. At the same time, since the beginning of this year, due to the continuous increase in the intensity of liquidation, the money has been cleared of 5.6 million yuan.
4. The intermediary business is strong. The income from the intermediary business has been completed at 830,000 yuan, reaching 80% of the mission plan for the first year of the branch.
5. The agency business is developing rapidly. Mainly the silver insurance business and fund issuance business, this year has made significant progress compared to last year. Among them, the bancassurance business sold a total of 1.7 million yuan, and the fund issuance totaled 800,000 yuan. Both businesses have better completed the annual target plan of the branch.
6. The card market is gradually maturing. This year, the total number of marketing credit cards has reached 6,000. At present, the total amount of quota cards has exceeded 10,000, reaching 11,200. We have cultivated a relatively mature market in terms of marketing customers with the quota card as a carrier and expanding our business. According to statistics, my bank card deposit has reached 31 million yuan. More and more customers use card settlement, card savings, and card consumption, and have become the main revenue-generating means of the Bank's intermediary business. It is not easy to achieve the above business results. Judging from the situation facing this year, it is very complicated. In summary, there are three main aspects. First, the gap in interest collection is large. Jinghua Company stopped production and was seized by Great Wall Assets Co., Ltd. according to law, resulting in the Bank's interest collection at least 1 million yuan this year; production materials companies, fish and shrimp companies and other enterprises are not good, this year, interest rates are basically hopeless, this reason can reduce interest income 30 Ten thousand yuan; the original special-purpose enterprises Tiancun Oil Factory, Linjin Flour Factory and other arrears of interest are serious, it is expected that the end of the year will not be able to settle the interest should be returned about 1 million yuan. In total, the interest income of our bank is expected to decrease by 2.3 million yuan this year. Second, the discount business continued to shrink, not only failed to achieve the target at the beginning of the increase in interest, but also because the discounted provision for bad debts was 8.4 million yuan last year. After reflecting the profit in the last year, this year, the branch will be proportional The deduction of the same amount of profit of 500,000 yuan will further aggravate the profit loss gap of the Bank. Third, the analog provision has a greater impact on profits. According to the base of the simulation provision plan, I acted 128.557 million yuan. The actual base figure at the end of November was 130.92 million yuan, which was higher than the branch plan base of 2.35 million yuan. The number will be directly deducted from the assessment profit. In the face of this difficult environment, our employees have been pioneering, actively fighting, burying their heads, and developing themselves, so that our bank has completely stepped out of the operating low, and the development trend of various businesses has shown a good situation. To summarize the work of the past year, the main methods are:
First, plastic image, expand space, enhance core competitiveness In recent years, the financial market competition is very fierce, we dare not seem to be slack. In terms of enhancing its own market competitiveness, it actively seeks development channels, fully promotes traditional advantages, boldly explores unknown areas, and fully innovates marketing mechanisms to enhance our core competitiveness. In this regard, three main tasks have been done.
The first is to grasp the image project and show the style of the agricultural bank. At the beginning of the year, we actively responded to the call of the “Welcome to the New Year Quality Service Competition” at the higher level. We used the Spring Festival to send “Fu” to the society and organized a series of grand image promotion activities. On the one hand, the local famous calligraphers were invited to print the business to promote the new year paintings, and the TV series specially invited to broadcast TV series and the president to celebrate the year by the president, and organized a large-scale writing spring festival couplet in the front square, which had a wide impact in society. . In the first half of the year, the net increase in savings deposits of the whole bank reached 40 million yuan. In particular, the growth of urban deposits was a leaps and bounds, making great contributions to the Bank's business operations. At the same time, in the promotion of image propaganda, we carefully planned and conscientiously organized and cooperated with the municipal branch's cultural performance group to hold a large-scale performance in the Fuqian Square. During the NPC and CPPCC sessions, they seized the good opportunity to expand the influence of the Agricultural Bank, and invited the Gansu Provincial Song and Dance Troupe and representatives of the two associations and friends from the business community to hold a large-scale cultural evening party of “Agricultural Market”. We also actively supported the cause of the disabled, offered love to the disadvantaged groups, rationalized the social relations with the party and government and other functional departments, and created a good business environment for the in-depth development of the Agricultural Bank in ___ County.
The second is to grasp the standard management and promote the transformation of the style of work. Strict work discipline is invaluable in enhancing the positive impact of a team's combat effectiveness. By strengthening the discipline of the organization's style of work, and strengthening the institutional construction of outlets, the standardization management work has leapt to a new level. In January, the first file was issued, and five bans were issued to severely remedy some bad work habits that have long existed in our bank. At the same time, we urged the in-depth development of the campaign and the evaluation of activities, so that employees can further enhance their sense of responsibility when handling business and receiving customers on a daily basis, and from civilized language, dressing instruments, standard services, software and hardware construction. In other respects, it has also been greatly improved. Since it attaches great importance to the development of the above two activities, in addition to the affirmation of winning the city branch, it has also been actively promoted by the city branch and the county bank evaluation office as an activity model, and has received visits from many sub-units such as the county branch and the county industrial and commercial bureau. .
The third is to grasp the reform of the mechanism and stimulate internal vitality. In accordance with the strategy of “holding the important town and focusing on the urban area”, the company has stepped up efforts to develop urban business. Up to now, the net deposit of four cabinets in the city has reached 30 million yuan. In terms of improving the competitiveness of rural outlets, we first connected a new generation of integrated systems for all rural outlets, so that the scientific and technological means of the Bank will fully enter a new stage. Secondly, the hardware of the Linjin office was transformed, and the implementation plan for the demolition of the Sunji office was also formulated. At the same time, under the circumstances of the tight budget of the whole bank, it has been carefully calculated to replace the fashionable office facilities for all the urban and rural outlets, and to continuously supplement the service facilities, so that the overall backwardness of urban and rural outlets has been further improved.
Second, grasping management, diligent accounting, and striving to accelerate the pace of development over the past year, we have closely cooperated with each other, and have been well-informed, carefully accounted, carefully managed, and further strengthened the "cost of writing and writing, everything is said to be price, pieces are profitable, and everyone benefits." "The business ideas have greatly improved the financial situation of our bank."
First, we must find ways to mobilize the enthusiasm of the ministry to directly participate in business innovation. The tasks of depositing, collecting loans, collecting interest, and insurance were partially resolved to the head of the population, and some of the benefits were linked to the assessment, which received obvious results.
The second is to further improve the assessment methods of various business units. On the one hand, we will increase the assessment of the four cabinets in the urban area, and carefully analyze and predict the business structure of each outlet, and formulate a relatively reasonable task base, and strictly evaluate it according to the season. On the one hand, it will increase the assessment of the three business establishments at the grassroots level, and will include various business indicators in the salary and expenses for assessment, so that each business office will highlight the superiority indicators while making each The business objectives have been well balanced. On the other hand, in view of the special circumstances of the sales department, a more realistic assessment method has been formulated to further increase the assessment.
The third is to give full play to the assault role of the professional clearing and loan team. In the analysis and research of the professional clearing and lending power in recent years, after earnestly summing up the experience and lessons, the party committee proposed to set up a professional loan collection detachment, and then split the contracting and block the collection, so that this year's clearing work as a whole is better than previous years. Some progress. In order to learn from his bank's experience in collecting loans, in August, we got in touch with the Pinglu Sub-branch, which has relatively prominent work in collecting loans, and organized professional loan-collecting forces and key backbones to visit and study in Pinglu and other places to learn from each other and find gaps. We carried forward the advantages and organized a seminar on the experience of Pinglu collection and loan, which quickly transformed Pinglu’s experience into the Bank’s credit-clearing driving force and received good results.
Fourth, the focus is on saving expenses from hospitality expenses. While strengthening the standard of living in the canteens of the institution, we strictly control the number of meals eaten by the guests. According to the statistics of the office, guests from all kinds of regular inspection groups are invited to eat at least 20 times a year, and there is no need for some guests to eat. If each inspection group is calculated on average for five days, there will be at least one hundred days in the year to entertain. Therefore, strengthening the canteens of the institutions and strengthening the management of the canteens of the institutions is very important for saving expenses. In this year, in the reception of guests to eat, in principle, in the canteen of the organ, if special needs to eat outside, generally need to ask the president or the deputy governor to agree. This year, the hospitality fee will save us about 100,000 yuan. Fifth, the handling of fixed assets is open, fair and transparent. This year, in dealing with idle vehicles and business premises, we insisted that we must publicly announce, publicly evaluate, openly bid, and publicly trade. At the same time, in the process of sale, collective research and collective decision-making are made to ensure that the sale price is reasonable. The sixth is to make a fuss about profit. Profit is always the core business objective of commercial banks. Practically speaking, this year, the Bank has a wide gap in achieving profit indicators, and it is very difficult. According to the assessment method of the branch, the proportion of the profit score is also large. If the profit indicator is done poorly, the employee's salary will be affected, and the benefits that should be obtained will be contested by others. Therefore, in the realization of the profit index, we often observe changes in various financial statements, timely search for various factors affecting financial operations, earnestly study, grasp the core, and take countermeasures, so that this year's profit indicators are simulated and discounted. Under the influence of the real “hard number” such as shrinking and reducing interest rates, the same caliber has achieved good results. In turn, we have taken a solid step forward.
Third, adjust the structure, promote development, and cultivate a good customer base. First, conduct a rigorous survey on customers and establish a key customer base for credit. Combined with the actual economic development of the local area, the development momentum of private enterprises is good, and the potential of new entities such as hospitals and schools is huge. We have selected some good projects and good customers that are in line with our own interests, vigorously marketing, optimizing investment, making good increments, strictly managing loans, and gradually optimizing our credit creation profit space. In this respect, it mainly invested 5.32 million yuan in the bank of Silver Star School. At the same time, it strengthened the business relationship with the color printing factory, Hengxing Juice Factory, Zhonglian Company and other advantageous enterprises. While supporting them to develop, it also further broadened our Service area. Secondly, using the resources of our bank, we will actively open discount loans for bank acceptance bills. In our efforts to develop this business, we have further played an active role in the discount center, which has led to the rapid development of this business. In the past year, a total of 110 million yuan of discount loans have been processed, and the income has reached more than 1 million yuan. Third, prudently handle bank acceptance bills. In view of the policy restrictions on the zero-breaking credit scale this year, we are in the process of “strict inspection, prudent operation” for the bank acceptance bills for corporate customers, neither excessively issuing “acceptance” due to the non-scale loan issue, and not because Fear of risk and negatively treat customer requests. Over the past year, a total of 60 million yuan of acceptance bills have been issued. While supporting the sound development of the company, the Bank has obtained a large amount of income, and there is no risk of accepting the acceptance. Fourth, seriously follow the principle of credit delivery and strictly supervise the benign use of credit funds. In establishing a mutually trusting credit relationship with corporate customers, we strictly implement the loan review process. Each procedure is conducted in strict accordance with the system and by program, especially for corporate customers. In the credit products, we also increase supervision to ensure the use of counterparts. Through the above practices, not only the credit risk has been reduced, but also a number of new gold excellent customer bases have been cultivated for the Bank while achieving good social and economic benefits.
Fourth, the activation force, the drum drive, care about the staff life care about the staff life, adjust the working atmosphere, is also very important to dissolve the tension of work mood. First of all, organize the staff of the whole bank to travel, and through this fashion activity, the employees can relax physically and mentally, and also let the long-term life in the ___ this small world agricultural bankers open their eyes and see the world. This year's tourism activities are large in scale and high in grade. Although there are more expenses, it further shows that the Bank's operating efficiency is constantly improving and its strength is constantly increasing. In terms of seeking truth from facts, we can be said to be the tight-knit belt to organize this event. In terms of the benefits of our bank, the business situation has not been fundamentally reversed, and the pressure to turn losses into profits is still very large, but in view of the fact that almost all other organizations have organized similar activities, considering that our own employees are also envious of the situation, they have discussed with the team members. Research, or trying to squeeze out a sum of money from the very tight costs, rounded the travel dreams of employees. Secondly, in the care of employees' lives, we strive to reflect the warmth of the ABC family and strive to satisfy employees. On the occasion of the Spring Festival and the Mid-Autumn Festival, in order to be able to provide workers with a practical and affordable welfare product, and in the procurement of goods, they have carefully studied, carefully selected, used relationships, lowered prices, and used limited welfare as much as possible. Workers sent more items. At the same time, in order to dress the staff more brightly and more fashionable, in March, the employees were also given high-grade washing and cosmetics, and the employees responded well.
The third is to serve the retired veteran cadres sincerely, and care for them. On the occasion of the traditional festivals, we will never forget the old leaders, veteran comrades, and old workers who have contributed to the Agricultural Bank. They will organize their personal support to express their condolences to them and convey to them the warmth and care of the ABC family. 5. Grasping party building, engaging in education, and earnestly strengthening the strict administration of the line, on the one hand, will continue to lead the study of the "three represents? important thinking and the spirit of the 16th National Congress of the Communist Party of China, and further strengthen the party building work. First, in accordance with the system of party committees and The arrangement of the local academic education office, while setting off the spirit of the 16th National Congress of the whole society, focused on rectifying the outstanding problems and getting a high evaluation from the system and local party committees. Secondly, while constantly exploring and summarizing the characteristics of party building work, After completing the tasks of party building committees, the Bank further strengthened the construction of grassroots branches, improved and improved the party's various rules and regulations, and further strengthened the combat effectiveness of party organizations. And cohesiveness. Especially in the "three harvests" in the peak season, the Bank has raised the upsurge of learning the 16th National Congress. The party members and cadres have fully demonstrated the advanced and vanguard role of the general public, and promoted the rapid advancement of various tasks. The role of the model is very obvious. On the other hand, it is actively raising the upsurge of ideological and moral education. Strengthening strict governance. Carrying out ideological and moral education activities among employees is a major strategic decision of the head office in the face of new situations, and is an important measure to comprehensively implement Jiang Zemin's "three represents" and "governing by virtue". Actually, seriously organize the organization and analyze the questions. The root cause of the problem, the comprehensive discussion, the promotion of the style change, and the receipt of good educational results. <1> The idea of running a commercial bank has been further strengthened. In the active guiding of ideological and moral education activities, the Bank has achieved a fundamental improvement in its business promotion work by strengthening its education, and has achieved a climax of its activities through a change in style. Through this activity, not only did the employees receive education, the business gained development, the mind was purified, and the style was changed. Moreover, the employees have become more determined to manage the confidence and determination of commercial banks, thus actively meeting challenges, working hard, strengthening their convictions, and building an ABC. <2> The discipline inspection and supervision work has been carried out with great success. By organizing all employees to analyze the typical cases of notifications at all levels, and using this as a negative textbook, combined with the characteristics of several economic cases that have occurred in recent years, we have carried out a profound ideological education among employees. Therefore, we will strengthen the construction of rules and regulations of the organs, increase the investigation and punishment of violations of laws and regulations, and promote the discipline inspection and supervision work to effectively protect the business operations. <3> The style of the government has been transformed. The first is that the discipline has improved significantly. The branches and departments of the sub-branch have implemented the morning meeting system, and the employee attendance and daily performance are included in the work objectives for evaluation, so that the Bank has a rigorous work style. Secondly, the work of “three defenses and one guarantee” was strengthened. I will organize and study relevant cases from time to time to ensure that all kinds of preventive equipment can play their due role. At the same time, by intensifying the inspection of safety and security work, the single-person incident in the North Street Savings House violation system has been seriously dealt with. The briefing has played a good role in promoting safe management.
In the past year, although all the work of our bank has achieved good results, the operating efficiency has been basically improved. However, we must also clearly see that due to the high proportion of non-performing loans, the overall quality of customers is poor, economic cases are continuous, and some new business types are not well developed, resulting in a lot of deficiencies in the work. In the future work, a little careless, will once again slip to the operating low. Although the situation is very serious, there are still many difficulties in progress. As long as we are united and struggling, making great efforts, seizing new opportunities, and meeting new challenges, we will be able to achieve new breakthroughs and create new benefits, and introduce ___ Agricultural Bank A benign track that develops rapidly.
1. The growth of various deposits is stable. At the same time that our outlets continue to withdraw and shrink, the annual increase in deposits is still as high as 40 million yuan, and the total deposits have reached 360 million yuan. Among them, the savings deposit increased by 36 million yuan, the balance reached 300 million yuan; the net deposit of public deposits was 7 million yuan, and the balance was 50 million yuan; the interbank deposits were affected by the increase in the amount of loans at the end of the year, which was 3 million yuan lower than the beginning of the year. The balance is 6 million yuan.
2. Operating profit is improving. The book profit loss is 10,000 yuan, plus the interest payable red character of 760,000 yuan, considering digesting the historical burden of 10,000 yuan, the actual loss is 10,000 yuan, compared with the caliber, reducing the loss by 10,000 yuan.
3. The decline in non-performing loans was obvious. Non-performing loans were reduced by 6 million yuan according to the five-category classification, accounting for 159% of the branch's annual task of 3.78 million yuan. At the same time, since the beginning of this year, due to the continuous increase in the intensity of liquidation, the money has been cleared of 5.6 million yuan.
4. The intermediary business is strong. The income from the intermediary business has been completed at 830,000 yuan, reaching 80% of the mission plan for the first year of the branch.
5. The agency business is developing rapidly. Mainly the silver insurance business and fund issuance business, this year has made significant progress compared to last year. Among them, the bancassurance business sold a total of 1.7 million yuan, and the fund issuance totaled 800,000 yuan. Both businesses have better completed the annual target plan of the branch.
6. The card market is gradually maturing. This year, the total number of marketing credit cards has reached 6,000. At present, the total amount of quota cards has exceeded 10,000, reaching 11,200. We have cultivated a relatively mature market in terms of marketing customers with the quota card as a carrier and expanding our business. According to statistics, my bank card deposit has reached 31 million yuan. More and more customers use card settlement, card savings, and card consumption, and have become the main revenue-generating means of the Bank's intermediary business. It is not easy to achieve the above business results. Judging from the situation facing this year, it is very complicated. In summary, there are three main aspects. First, the gap in interest collection is large. Jinghua Company stopped production and was seized by Great Wall Assets Co., Ltd. according to law, resulting in the Bank's interest collection at least 1 million yuan this year; production materials companies, fish and shrimp companies and other enterprises are not good, this year, interest rates are basically hopeless, this reason can reduce interest income 30 Ten thousand yuan; the original special-purpose enterprises Tiancun Oil Factory, Linjin Flour Factory and other arrears of interest are serious, it is expected that the end of the year will not be able to settle the interest should be returned about 1 million yuan. In total, the interest income of our bank is expected to decrease by 2.3 million yuan this year. Second, the discount business continued to shrink, not only failed to achieve the target at the beginning of the increase in interest, but also because the discounted provision for bad debts was 8.4 million yuan last year. After reflecting the profit in the last year, this year, the branch will be proportional The deduction of the same amount of profit of 500,000 yuan will further aggravate the profit loss gap of the Bank. Third, the analog provision has a greater impact on profits. According to the base of the simulation provision plan, I acted 128.557 million yuan. The actual base figure at the end of November was 130.92 million yuan, which was higher than the branch plan base of 2.35 million yuan. The number will be directly deducted from the assessment profit. In the face of this difficult environment, our employees have been pioneering, actively fighting, burying their heads, and developing themselves, so that our bank has completely stepped out of the operating low, and the development trend of various businesses has shown a good situation. To summarize the work of the past year, the main methods are:
First, plastic image, expand space, enhance core competitiveness In recent years, the financial market competition is very fierce, we dare not seem to be slack. In terms of enhancing its own market competitiveness, it actively seeks development channels, fully promotes traditional advantages, boldly explores unknown areas, and fully innovates marketing mechanisms to enhance our core competitiveness. In this regard, three main tasks have been done.
The first is to grasp the image project and show the style of the agricultural bank. At the beginning of the year, we actively responded to the call of the “Welcome to the New Year Quality Service Competition” at the higher level. We used the Spring Festival to send “Fu” to the society and organized a series of grand image promotion activities. On the one hand, the local famous calligraphers were invited to print the business to promote the new year paintings, and the TV series specially invited to broadcast TV series and the president to celebrate the year by the president, and organized a large-scale writing spring festival couplet in the front square, which had a wide impact in society. . In the first half of the year, the net increase in savings deposits of the whole bank reached 40 million yuan. In particular, the growth of urban deposits was a leaps and bounds, making great contributions to the Bank's business operations. At the same time, in the promotion of image propaganda, we carefully planned and conscientiously organized and cooperated with the municipal branch's cultural performance group to hold a large-scale performance in the Fuqian Square. During the NPC and CPPCC sessions, they seized the good opportunity to expand the influence of the Agricultural Bank, and invited the Gansu Provincial Song and Dance Troupe and representatives of the two associations and friends from the business community to hold a large-scale cultural evening party of “Agricultural Market”. We also actively supported the cause of the disabled, offered love to the disadvantaged groups, rationalized the social relations with the party and government and other functional departments, and created a good business environment for the in-depth development of the Agricultural Bank in ___ County.
The second is to grasp the standard management and promote the transformation of the style of work. Strict work discipline is invaluable in enhancing the positive impact of a team's combat effectiveness. By strengthening the discipline of the organization's style of work, and strengthening the institutional construction of outlets, the standardization management work has leapt to a new level. In January, the first file was issued, and five bans were issued to severely remedy some bad work habits that have long existed in our bank. At the same time, we urged the in-depth development of the campaign and the evaluation of activities, so that employees can further enhance their sense of responsibility when handling business and receiving customers on a daily basis, and from civilized language, dressing instruments, standard services, software and hardware construction. In other respects, it has also been greatly improved. Since it attaches great importance to the development of the above two activities, in addition to the affirmation of winning the city branch, it has also been actively promoted by the city branch and the county bank evaluation office as an activity model, and has received visits from many sub-units such as the county branch and the county industrial and commercial bureau. .
The third is to grasp the reform of the mechanism and stimulate internal vitality. In accordance with the strategy of “holding the important town and focusing on the urban area”, the company has stepped up efforts to develop urban business. Up to now, the net deposit of four cabinets in the city has reached 30 million yuan. In terms of improving the competitiveness of rural outlets, we first connected a new generation of integrated systems for all rural outlets, so that the scientific and technological means of the Bank will fully enter a new stage. Secondly, the hardware of the Linjin office was transformed, and the implementation plan for the demolition of the Sunji office was also formulated. At the same time, under the circumstances of the tight budget of the whole bank, it has been carefully calculated to replace the fashionable office facilities for all the urban and rural outlets, and to continuously supplement the service facilities, so that the overall backwardness of urban and rural outlets has been further improved.
Second, grasping management, diligent accounting, and striving to accelerate the pace of development over the past year, we have closely cooperated with each other, and have been well-informed, carefully accounted, carefully managed, and further strengthened the "cost of writing and writing, everything is said to be price, pieces are profitable, and everyone benefits." "The business ideas have greatly improved the financial situation of our bank."
First, we must find ways to mobilize the enthusiasm of the ministry to directly participate in business innovation. The tasks of depositing, collecting loans, collecting interest, and insurance were partially resolved to the head of the population, and some of the benefits were linked to the assessment, which received obvious results.
The second is to further improve the assessment methods of various business units. On the one hand, we will increase the assessment of the four cabinets in the urban area, and carefully analyze and predict the business structure of each outlet, and formulate a relatively reasonable task base, and strictly evaluate it according to the season. On the one hand, it will increase the assessment of the three business establishments at the grassroots level, and will include various business indicators in the salary and expenses for assessment, so that each business office will highlight the superiority indicators while making each The business objectives have been well balanced. On the other hand, in view of the special circumstances of the sales department, a more realistic assessment method has been formulated to further increase the assessment.
The third is to give full play to the assault role of the professional clearing and loan team. In the analysis and research of the professional clearing and lending power in recent years, after earnestly summing up the experience and lessons, the party committee proposed to set up a professional loan collection detachment, and then split the contracting and block the collection, so that this year's clearing work as a whole is better than previous years. Some progress. In order to learn from his bank's experience in collecting loans, in August, we got in touch with the Pinglu Sub-branch, which has relatively prominent work in collecting loans, and organized professional loan-collecting forces and key backbones to visit and study in Pinglu and other places to learn from each other and find gaps. We carried forward the advantages and organized a seminar on the experience of Pinglu collection and loan, which quickly transformed Pinglu’s experience into the Bank’s credit-clearing driving force and received good results.
Fourth, the focus is on saving expenses from hospitality expenses. While strengthening the standard of living in the canteens of the institution, we strictly control the number of meals eaten by the guests. According to the statistics of the office, guests from all kinds of regular inspection groups are invited to eat at least 20 times a year, and there is no need for some guests to eat. If each inspection group is calculated on average for five days, there will be at least one hundred days in the year to entertain. Therefore, strengthening the canteens of the institutions and strengthening the management of the canteens of the institutions is very important for saving expenses. In this year, in the reception of guests to eat, in principle, in the canteen of the organ, if special needs to eat outside, generally need to ask the president or the deputy governor to agree. This year, the hospitality fee will save us about 100,000 yuan. Fifth, the handling of fixed assets is open, fair and transparent. This year, in dealing with idle vehicles and business premises, we insisted that we must publicly announce, publicly evaluate, openly bid, and publicly trade. At the same time, in the process of sale, collective research and collective decision-making are made to ensure that the sale price is reasonable. The sixth is to make a fuss about profit. Profit is always the core business objective of commercial banks. Practically speaking, this year, the Bank has a wide gap in achieving profit indicators, and it is very difficult. According to the assessment method of the branch, the proportion of the profit score is also large. If the profit indicator is done poorly, the employee's salary will be affected, and the benefits that should be obtained will be contested by others. Therefore, in the realization of the profit index, we often observe changes in various financial statements, timely search for various factors affecting financial operations, earnestly study, grasp the core, and take countermeasures, so that this year's profit indicators are simulated and discounted. Under the influence of the real “hard number” such as shrinking and reducing interest rates, the same caliber has achieved good results. In turn, we have taken a solid step forward.
Third, adjust the structure, promote development, and cultivate a good customer base. First, conduct a rigorous survey on customers and establish a key customer base for credit. Combined with the actual economic development of the local area, the development momentum of private enterprises is good, and the potential of new entities such as hospitals and schools is huge. We have selected some good projects and good customers that are in line with our own interests, vigorously marketing, optimizing investment, making good increments, strictly managing loans, and gradually optimizing our credit creation profit space. In this respect, it mainly invested 5.32 million yuan in the bank of Silver Star School. At the same time, it strengthened the business relationship with the color printing factory, Hengxing Juice Factory, Zhonglian Company and other advantageous enterprises. While supporting them to develop, it also further broadened our Service area. Secondly, using the resources of our bank, we will actively open discount loans for bank acceptance bills. In our efforts to develop this business, we have further played an active role in the discount center, which has led to the rapid development of this business. In the past year, a total of 110 million yuan of discount loans have been processed, and the income has reached more than 1 million yuan. Third, prudently handle bank acceptance bills. In view of the policy restrictions on the zero-breaking credit scale this year, we are in the process of “strict inspection, prudent operation” for the bank acceptance bills for corporate customers, neither excessively issuing “acceptance” due to the non-scale loan issue, and not because Fear of risk and negatively treat customer requests. Over the past year, a total of 60 million yuan of acceptance bills have been issued. While supporting the sound development of the company, the Bank has obtained a large amount of income, and there is no risk of accepting the acceptance. Fourth, seriously follow the principle of credit delivery and strictly supervise the benign use of credit funds. In establishing a mutually trusting credit relationship with corporate customers, we strictly implement the loan review process. Each procedure is conducted in strict accordance with the system and by program, especially for corporate customers. In the credit products, we also increase supervision to ensure the use of counterparts. Through the above practices, not only the credit risk has been reduced, but also a number of new gold excellent customer bases have been cultivated for the Bank while achieving good social and economic benefits.
Fourth, the activation force, the drum drive, care about the staff life care about the staff life, adjust the working atmosphere, is also very important to dissolve the tension of work mood. First of all, organize the staff of the whole bank to travel, and through this fashion activity, the employees can relax physically and mentally, and also let the long-term life in the ___ this small world agricultural bankers open their eyes and see the world. This year's tourism activities are large in scale and high in grade. Although there are more expenses, it further shows that the Bank's operating efficiency is constantly improving and its strength is constantly increasing. In terms of seeking truth from facts, we can be said to be the tight-knit belt to organize this event. In terms of the benefits of our bank, the business situation has not been fundamentally reversed, and the pressure to turn losses into profits is still very large, but in view of the fact that almost all other organizations have organized similar activities, considering that our own employees are also envious of the situation, they have discussed with the team members. Research, or trying to squeeze out a sum of money from the very tight costs, rounded the travel dreams of employees. Secondly, in the care of employees' lives, we strive to reflect the warmth of the ABC family and strive to satisfy employees. On the occasion of the Spring Festival and the Mid-Autumn Festival, in order to be able to provide workers with a practical and affordable welfare product, and in the procurement of goods, they have carefully studied, carefully selected, used relationships, lowered prices, and used limited welfare as much as possible. Workers sent more items. At the same time, in order to dress the staff more brightly and more fashionable, in March, the employees were also given high-grade washing and cosmetics, and the employees responded well.
The third is to serve the retired veteran cadres sincerely, and care for them. On the occasion of the traditional festivals, we will never forget the old leaders, veteran comrades, and old workers who have contributed to the Agricultural Bank. They will organize their personal support to express their condolences to them and convey to them the warmth and care of the ABC family. 5. Grasping party building, engaging in education, and earnestly strengthening the strict administration of the line, on the one hand, will continue to lead the study of the "three represents? important thinking and the spirit of the 16th National Congress of the Communist Party of China, and further strengthen the party building work. First, in accordance with the system of party committees and The arrangement of the local academic education office, while setting off the spirit of the 16th National Congress of the whole society, focused on rectifying the outstanding problems and getting a high evaluation from the system and local party committees. Secondly, while constantly exploring and summarizing the characteristics of party building work, After completing the tasks of party building committees, the Bank further strengthened the construction of grassroots branches, improved and improved the party's various rules and regulations, and further strengthened the combat effectiveness of party organizations. And cohesiveness. Especially in the "three harvests" in the peak season, the Bank has raised the upsurge of learning the 16th National Congress. The party members and cadres have fully demonstrated the advanced and vanguard role of the general public, and promoted the rapid advancement of various tasks. The role of the model is very obvious. On the other hand, it is actively raising the upsurge of ideological and moral education. Strengthening strict governance. Carrying out ideological and moral education activities among employees is a major strategic decision of the head office in the face of new situations, and is an important measure to comprehensively implement Jiang Zemin's "three represents" and "governing by virtue". Actually, seriously organize the organization and analyze the questions. The root cause of the problem, the comprehensive discussion, the promotion of the style change, and the receipt of good educational results. <1> The idea of running a commercial bank has been further strengthened. In the active guiding of ideological and moral education activities, the Bank has achieved a fundamental improvement in its business promotion work by strengthening its education, and has achieved a climax of its activities through a change in style. Through this activity, not only did the employees receive education, the business gained development, the mind was purified, and the style was changed. Moreover, the employees have become more determined to manage the confidence and determination of commercial banks, thus actively meeting challenges, working hard, strengthening their convictions, and building an ABC. <2> The discipline inspection and supervision work has been carried out with great success. By organizing all employees to analyze the typical cases of notifications at all levels, and using this as a negative textbook, combined with the characteristics of several economic cases that have occurred in recent years, we have carried out a profound ideological education among employees. Therefore, we will strengthen the construction of rules and regulations of the organs, increase the investigation and punishment of violations of laws and regulations, and promote the discipline inspection and supervision work to effectively protect the business operations. <3> The style of the government has been transformed. The first is that the discipline has improved significantly. The branches and departments of the sub-branch have implemented the morning meeting system, and the employee attendance and daily performance are included in the work objectives for evaluation, so that the Bank has a rigorous work style. Secondly, the work of “three defenses and one guarantee” was strengthened. I will organize and study relevant cases from time to time to ensure that all kinds of preventive equipment can play their due role. At the same time, by intensifying the inspection of safety and security work, the single-person incident in the North Street Savings House violation system has been seriously dealt with. The briefing has played a good role in promoting safe management.
In the past year, although all the work of our bank has achieved good results, the operating efficiency has been basically improved. However, we must also clearly see that due to the high proportion of non-performing loans, the overall quality of customers is poor, economic cases are continuous, and some new business types are not well developed, resulting in a lot of deficiencies in the work. In the future work, a little careless, will once again slip to the operating low. Although the situation is very serious, there are still many difficulties in progress. As long as we are united and struggling, making great efforts, seizing new opportunities, and meeting new challenges, we will be able to achieve new breakthroughs and create new benefits, and introduce ___ Agricultural Bank A benign track that develops rapidly.
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