Credit bureau's various management departments

Part I Responsibilities of the Associated Administration

Chapter 1 Office responsibilities

The office is the comprehensive coordination and service department in charge of the operation of the social affairs system of the Associated Press, the construction of rules and regulations, decision-making supervision, corporate image maintenance and administrative logistics management. The main responsibilities of the secret resource network are as follows:

Article 1 Responsible for the organization and management of the business operations of the Allied System within the scope of its functions;

Article 2 is responsible for in charge of the reporting system, conference system, duty system, and official document system. It has mastered the implementation of the guidelines and policies of the higher authorities and the work of various departments of the municipal association; it is responsible for internal information such as social information work and editorial briefings. Information, reflecting important situations on the right, communicating with the organization;

Article 3 Responsible for drafting or reviewing relevant important letters issued in the name of the Associated Press, drafting or reviewing relevant comprehensive important files and materials submitted by the higher authorities; and assisting the social leaders in conducting research work;

Article 4 Responsible for the receipt, dispatch and operation of various archives of the Associated Press, organize and implement the normal operation of the official documents of the affiliated organizations, and do a good job of archiving archives; be responsible for handling the procedures for the subscription of various newspapers and periodicals;

Article 5 is responsible for assisting the leaders in arranging the agendas of the party committees, directors' offices, social affairs associations, working meetings, etc.; handling the collection of conference topics and pre-conference coordination, meeting minutes, meeting minutes, and the supervision of the meeting. ;

Article 6 Assist the leaders in coordinating and coordinating the daily work of the various departments of the Association and requesting reports from the township agencies;

Article 7 Organize, coordinate and implement the publicity work of the whole society, and be responsible for the promotion of corporate image, business promotion, and the management and implementation of public relations;

Article 8 Responsible for collecting information and materials related to the unit, summarizing and analyzing it, sharing it with relevant departments, and making recommendations to the social leaders in a timely manner.

Article 9 Responsible for the administrative logistics management of the Associated Press; Responsible for handling the expense reimbursement procedures of the administrative department of the association and its affiliated outlets; Responsible for supervising the reception of telephone calls; Responsible for the management of the canteens and guest houses of the Associated Press; Responsible for the visit of the Associated Headquarters Conference and conference support for major conferences;

Article 10 Responsible for the purchase, distribution, and distribution of office equipment and office supplies of the headquarters and direct affiliates of the Associated Press; responsible for the printing and issuance of business vouchers designated by the Associated Press;

Article 11 Responsible for the management and distribution of public vehicles of the affiliated organizations; responsible for the purchase, deployment, maintenance, insurance, annual review and other related work of the means of transportation; responsible for the work and regulations of the bulk office supplies of the headquarters and various towns and offices Traveling staff to pick up and drop off work;

Article 12 Responsible for the purchase, lease, deployment, use, maintenance and related management of houses, handling relevant property rights procedures and insurance matters;

Article 13 Responsible for the bidding, project supervision and management and acceptance of the renovation of the headquarters and the town hall business premises;

Article 14 Responsible for the greening, sanitation, drinking water management and water and electricity maintenance of the office and business premises of the affiliated department and the affiliated outlets; responsible for ensuring the normal operation of the office building equipment and maintaining a good office environment and order of the building;

Article 15 Responsible for communication and contact with the provincial department and the relevant local departments.

Chapter II Duties of the Ministry of Personnel and Education

The Ministry of Personnel and Education is the comprehensive management department in charge of the human resources development and management of the whole society. Through the activities of employing people to govern things, the purpose of personnel is appropriate. The Ministry of Personnel and Education is responsible for a series of management tasks such as examination, recruitment, assessment, reward and punishment, deployment, training, wages, benefits, social insurance, and retirement. The main responsibilities are as follows:

Article 1 Responsible for organizing the preparation and implementation of the human resources development plan and annual work plan, and researching and formulating the employee development plan and promotion system;

Article 2 Responsible for implementing the personnel education policies, rules and regulations, and corresponding management procedures and operational methods of the state and superior management departments, and formulating relevant implementation measures in light of actual conditions;

Article 3 Organize and implement the inspection, assessment, allocation, use, exchange, reward and punishment, appointment and dismissal, and related departure inspections of relevant cadres according to the management permission or relevant methods;

Article 4 Responsible for the planning, training and management of reserve cadres and record cadres, implement the rationalization and adjustment of the human resources structure of the whole society; and guide the township agencies to train and select outstanding young cadres;

Article 5 Responsible for organizing the cultural education and political study of the employees of the system, and responsible for the annual assessment and upgrading of employees and the organization of various professional and technical positions, hiring and registration examinations;

Article 6 Strictly implement the wage policy stipulated by the state, do a good job in verifying the wages and levels of employees of the system, and manage the work of retired employees, participate in research, formulate relevant measures for incentive and restraint mechanisms, and evaluate the implementation effect. Make relevant comments;

Article 7 Implement relevant measures for insurance co-ordination of state and superior administrative departments and organize their implementation. Responsible for welfare management such as pension insurance. Organize the implementation of employee unemployment, medical insurance fund collection, payment and other work;

Article 8 Responsible for the planning, implementation, and implementation of relevant agreements and contractual agreements for the entry and exit of employees, and the implementation of the management of labor contracts and personnel files;

Article 9 The organization shall implement the inspection, supervision, guidance, business communication and personnel training of relevant work within the scope of functions of the department, and implement the internal control of risks;

Article 7 Responsible for the attendance of employees of the headquarters of the Associated Press;

Article 8 Carefully prepare and submit the various data reports for the annual, quarterly and monthly aspects of personnel and labor management;

Article 12 Responsible for communication and contact with superior counterpart departments and relevant local departments; responsible for collecting information related to the department, summarizing, analyzing, sharing with relevant departments, and making recommendations to the leaders in a timely manner.

Chapter III Accounting Department Responsibilities

The Planning and Finance Department is the comprehensive management department in charge of the financial management of the whole society project. It shoulders the operational and management functions of financial management, accounting and accounting settlement, local and foreign currency fund management, credit policy and statistical analysis.

The first one implements the financial and taxation policies of each period, cooperates with and links the fiscal and taxation with the superior management departments, and makes forward-looking foresight and control of business operations and management, and formulates implementation plans and management measures for each policy to guide the various agencies. carried out.

Article 2 Analyze and forecast the business development of the whole year, prepare a feasible financial budget, and issue financial revenue and expenditure plans and financial management assessment indicators.

Article 3 Correctly organize and standardize the accounting work of each township and its affiliated outlets and handle the financial revenue and expenditure of the association, conduct regular financial analysis, and timely report and report the operation status to the leaders of the association.

Article 4 Improve the management of various accounting and settlement services, formulate business operation procedures, business management systems and post responsibility systems, formulate accounting procedures for various businesses, and organize business training.

Article 5 In accordance with the relevant regulations and the operation of the unit, the organizations shall be properly organized to guide the annual accounting final accounts, and truly reflect the operating results.

Article 6 Responsible for the investigation and research of outlet adjustment, according to the overall plan of the association, review the materials of the outlets that need to be withdrawn and their analysis of the principal point analysis. management

The cashier's account of the management fee of the association, reviewing and reporting the expenses of daily hospitality, travel, meetings, etc., and reviewing the legal compliance of the original documents such as invoices.

Article 7 Strictly regulate the procedures for financial receipts and payments, formulate management regulations for various operating expenses, strengthen the examination and approval system for expenses, and strictly control the growth of various financial and cost indicators.

Article 8 Prepare and review the annual final accounts, quarterly, monthly and daily accounting statements and various data and materials, report to the provincial office and relevant departments at all levels, and provide monthly management and management to the relevant departments of the associations and associations.

Article 9 According to the requirements of the relevant administrative departments and the actual operation of the association, do a good job in fund management and planning; formulate cash management measures, regularly check the cash management situation, report the situation to the leaders in a timely manner, and maximize the situation. Prevent and resolve financial risks.

Article 10 The deposit and loan interest rates of the local and foreign currencies shall be managed in accordance with the policies of the central bank. In case of adjustment, the background and the agencies shall be notified in a timely manner, and the implementation of interest rates shall be examined and analyzed.

Article 11 puts forward accounting and management requirements for the development of new business, provides the computer department for electronic development of business systems, and participates in development and testing.

Article 12 The organization shall clear assets and make assets at least once a year for fixed assets, electronic equipment and low-value consumables.

Chapter IV Security Department Duties

The Security Department is the functional department in charge of the security work of the whole society. The main responsibilities are as follows:

Article 1 Implement the implementation of the archives spirit of the superiors on safety and security work, and regularly conduct safety prevention skills training for employees to improve their safety and prevention capabilities.

Article 2 In conjunction with the actual situation of the unit and the local public security situation, establish and improve the safety precautions and regulations, and sign a security joint defense agreement with the local police station or neighboring units.

Article 3 Regular inspections of key personnel shall be conducted, and unqualified personnel shall be found, and adjustment suggestions shall be submitted to the leaders in a timely manner to assist in the adjustment of personnel.

Article 4 The relevant conditions of the implementation of the rules and regulations and the use of firearms and ammunition during the period of business, keeping the library and escort of the employees of the unit shall be inspected at any time.

Article 5 Master the ideological dynamics of the employees of the unit, strengthen the professional ethics and legal education of employees, strengthen the management of key personnel, and make early detection and early resolution of abnormal phenomena, and report to the security department in a timely manner.

Article 6 Strictly implement the regulations on the management of firearms and ammunition, eliminate the occurrence of gun-related cases, check the guns every month, meet the requirements for ease of use and safety, strictly enforce the system of use of firearms and ammunition, and prevent moisture, Anti-corrosion, fire prevention, anti-theft.

Article 7 Do a good job in the safety precautions, law discipline, social ethics and industry discipline education of the cadres and workers of this unit, and raise the awareness of the employees' compliance with the relevant regulations on comprehensive management of public security and safety and security, and raise awareness of safety precautions.

Article 8 In strict accordance with the requirements of the higher authorities and the public security departments, we shall do a good job in the construction and management of the security facilities of the business outlets, and do a good job in the prevention, burglary, anti-fraud, anti-destruction and fire prevention work of the units.

Article 9 Strengthening the ideological construction, organization and business of the heads of branches and savings offices

Construction, quarterly inspections and spot checks, listening to work reports, carefully analyzing the current situation of control and safety of the unit, and solving problems in the security work.

Article 10: Do a good job in the pre-planning exercise of the front-line employees of the outlets, and implement the inspection system. The director of the credit cooperative or the person in charge of the security agency shall not check the security of the business outlets at least once a month, and shall not implement the inspection deduction supervisor or the person in charge of the security for one month. 6 points, 12 points were not checked for two months, 24 points were not checked for three months, and 200 points were not checked for more than four months.

Article 11 Strengthen the management of security work files, provide comprehensive, timely and accurate information for security work, require special personnel to manage, store in counters, comprehensive information, clear analysis, report materials and statements required to be true, accurate, and written Work neatly and report timely.

Chapter V Main Responsibilities of the Computer Department

Responsible for the management, development, testing, training and maintenance of the computer business of the Associated Press and its subordinate townships. Its main responsibilities are as follows:

The first is responsible for the business needs analysis, software development and testing of the affiliated computer business system, using new electronic business products to promote the business development of our company; at the same time, to optimize, modify and maintain the computer business system, and ensure The communication network is unblocked and the computer system runs stably and normally;

Article 2 Responsible for the procurement and management of various electronic products, and assist the financial department to do a good job in the registration of fixed assets to ensure the safety and integrity of the collective property, and not to lose;

Article 3: Work with the relevant departments to formulate various computer management regulations for the association, and require the computer development and maintenance personnel and business operators of the associations, town offices and business outlets to strictly implement them to ensure the normal operation and safe operation of various computer businesses. ;

Article 4 Responsible for the training and computer operation of the computer knowledge and new computer business knowledge of the All-Union Society, improve the professional quality of our staff and enhance competitiveness.

Chapter VI Account Manager's Responsibilities

The Account Manager Department is the functional department responsible for the business management, market expansion, marketing organization, and quality cost control of individual and corporate clients. The main responsibilities are as follows:

Article 1 Responsible for the organization and promotion of marketing of personal and corporate customer business systems;

Article 2 Responsible for formulating and organizing the implementation of personal and corporate business development strategies and marketing strategies;

Article 3 Participate in the preparation of the annual business plan, and propose the development goals of individual and company business, income realization goals, cost control objectives, and asset quality objectives;

Article 4 Responsible for organizing the implementation of personal and company business operation plans, including decomposition, implementation, project execution inspection and analysis, and promoting the completion of business objectives;

Article 5 Responsible for organizing this business system to differentiate the market, develop high-quality customers, and increase the market share of key industries, key regions, key products and key customers;

Article 6 Individuals and company customers responsible for the operation of this department shall conduct direct marketing, formulate marketing plans or bank-enterprise cooperation programs, strive for quality customers, and provide guidance to the marketing services of the towns and villages;

Article 7 Responsible for organizing the evaluation of individual and company business loan projects;

Article 8 Responsible for proposing to develop financial products according to the needs of individuals and corporate clients, participating in development, and organizing promotion;

Article 9 Responsible for organizing and implementing the account manager system in the whole society;

Article 10 Responsible for organizing customer evaluation and credit rating for directly operated individuals and corporate business customers, and issuing financial certificates;

Article 11 Responsible for tracking and managing business customers, collecting and collecting interest, file management, credit management information system data entry and credit business clearing work. In accordance with the relevant requirements, do a good job of exiting bad customers and optimize the customer structure;

Article 12 Responsible for proposing specific measures for the growth of deposits of individuals and corporate customers, and analyzing and assessing deposits;

Article 13 The organization and marketing organization responsible for the financing of the whole society;

Article 14 In conjunction with relevant departments, organize and implement the marketing of intermediary business such as corporate customer collection and payment;

Article 15 Responsible for organizing the collection, collation and analysis of personal and company business information, providing operational information services and support to the Associated Press, and providing shared information to relevant business departments;

Article 16 Participate in the formulation of credit and risk management policies, rules and regulations; be responsible for formulating business standards, management methods and operational procedures for the company's business;

Article 17 Responsible for the implementation of the risk internal control requirements in accordance with the operation and management of credit business in this business system;

Article 18 Responsible for guiding, inspecting and supervising the work related to individuals and companies, organizing business exchanges and assisting in organizing personnel training;

Article 19 Responsible for the deposit plan, overall management and information analysis of individuals and company business;

Article 20 Responsible for communication and contact with the counterpart office of the provincial office and relevant local departments; collect and collect information related to the department, summarize it, analyze it, share it with relevant departments, and make recommendations to the leader in a timely manner.

Chapter VII Assets Responsibility

The entire business scope of asset insurance is the operation and disposal of special assets such as non-performing assets, debt-receiving assets and self-owned assets of the whole society, and is responsible for legal affairs. The main responsibilities are as follows:

Article 1 Responsible for the organization and management of the operations of the Associated Press in the business scope of the department;

Article 2 Responsible for formulating and organizing the implementation of the business planning and business strategy of the company's asset preservation business;

Article 3 Participate in the preparation of the annual comprehensive business plan of the All-Union Society, study and propose the business objectives of non-performing asset management and disposal, income and expenses of the asset preservation business system; be responsible for organizing the implementation of the asset preservation business plan, including project decomposition and implementation, and plans Carry out inspections and analysis to advance the realization of business objectives;

Article 4 Responsible for organizing, guiding and coordinating the management, operation, revitalization and disposal of non-performing assets, debt-receiving assets and idle assets of various townships;

Article 5 Responsible for organizing the audit of the delinquent write-off of the All-Union Society;

Article 6 Responsible for organizing the collection and analysis of asset preservation business information, providing services and support to the business system, and providing shared information to relevant business departments;

Article 7 Responsible for establishing and improving the risk internal control and operation of the operation and management of the asset preservation business of the affiliated system;

Article 8 Responsible for the guidance, inspection and supervision of the work related to the asset preservation business of the whole company, and organize business exchanges and personnel training;

Article 9 Handling economic litigation cases of the Associated Press;

Article 10 Responsible for establishing and improving the risk internal control system of the whole society's legal affairs management and organizing implementation;

Article 11 Responsible for reviewing various non-standard forms of contracts, agreements and their legal files signed by the various business departments of the Association; responsible for issuing legal opinions to provide legal assistance for the business activities of the whole society;

Article 12 It is responsible for collecting information and materials related to the department, summarizing and analyzing it, sharing it with relevant departments, and making recommendations to the social leaders in a timely manner.

Chapter VIII Duties of the Credit Management Department

The Credit Management Department is responsible for the credit system, discriminating the monitoring of credit risks, unifying the organization, managing and approving the credit management business comprehensive management and approval departments within the jurisdiction. The main responsibilities are as follows:

Article 1 According to the national economic and financial policies, development plans, and higher-level credit planning management regulations and requirements, organize the research and formulation of the rules and regulations and operating procedures for the credit business of the rural credit cooperatives in the jurisdiction;

Article 2 Responsible for the guidance, inspection and supervision of the credit business management of the rural credit cooperatives within the jurisdiction; organize regular or irregular credit inspection management work, standardize the credit management work of the rural credit cooperatives, and correct the violations and illegal acts;

Article 3 Responsible for the overall planning, organization and management of the credit business of the rural credit cooperatives in the jurisdiction; research and analyze the credit business risks, improve and organize the implementation of the internal control management system;

Article 4 According to the credit risk and credit business management status of the rural credit cooperatives within the jurisdiction, suggestions are made in formulating credit policies and optimizing the allocation of credit assets.

Article 5 Research and formulate relevant systems and methods for market access and market exit of credit business;

Article 6 Coordinating relevant departments to carry out loan scale management and implement loan interest recovery plans;

Article 7 Responsible for the preparation and organization of the credit asset quality control plan.

Article 8 Responsible for organizing the implementation of process control and post-loan management of credit business risks;

Article 9 Conduct a summary analysis of the comprehensive operation of the credit business within the jurisdiction, and provide comprehensive guidance to the credit business operation department on the marketing and management of credit business, and conduct early warning, monitoring, inspection and analysis of the credit business risks;

Article 10 Conduct tracking and monitoring and systematic risk research on key industries, regions, customers and credit products, and provide guidance for early warning and risk prevention for credit approval and business decision-making;

Article 11 Responsible for the management and maintenance of the People's Bank registration and consultation system;

Article 12 Training and exchange of credit business personnel;

Article 13 Responsible for communication and contact with counterpart counterparts and relevant local departments.

Chapter IX Audit Department Responsibilities

Article 1 Audit the implementation of accounting, cashier, credit, special exchange, and bank settlement system and business handling.

Article 2 The operation of the business shall be audited according to the requirements of the policies, systems and management regulations of the savings or collective deposit business.

Article 3 Auditing the implementation of various financial revenues and expenditures, the completion of profit indicators, and the authenticity, accuracy, compliance and legality of financial statements and accounting statements.

Article 4 According to the relevant requirements of computer system management, supervise and implement various computer room management and network security measures, and supervise and implement data backup work.

Article 5 Auditing the securities, seals, secrets, important blank vouchers, custody, use, sales, and handover.

Article 6 Audit the implementation of the degree of control within the outlets, and assist the security and security department to conduct spot checks on surveillance videos.

Article 7 Auditing of the transfer and departure of personnel within the community shall be carried out in conjunction with the higher authorities to conduct special inspections.

Article 8 Leaders and organizations shall be stationed in various social auditing special commissioners to carry out various tasks, formulate special inspection plans according to work requirements, and supervise their implementation.

Article 9 In accordance with the above-mentioned scope of work and tasks, various tasks shall be organized and implemented in a targeted manner, and special audits shall be organized in accordance with the requirements of relevant work.

Chapter 10 Business Department Responsibilities

The business department of the Associated Press undertakes the business settlement of the direct operations of the Joint Headquarters and the accounting work of the townships under the Association. The main responsibilities are as follows:

Article 1 Responsible for the settlement, fund clearing, cashier's cash, account management and accounting of various businesses directly operated by the headquarters;

Article 2 Responsible for the management of the affiliated outlets, savings counters and safe deposit box counters of the association, guiding the business operations of the credit cooperatives of each town, and formulating uniform business specifications;

Article 3 Responsible for accounting and reconciliation of fund position allocation and fund exchange settlement in the system, and account management of the People's Bank of China;

Article 4 &nb

Sp; Responsible for the bill exchange and fund clearing business of Guangzhou Datong City and Wuyi City;

Article 5 Responsible for the reception, transmission, fund transfer and clearing business of the national special exchange and the provincial branch of the system;

Article 6 Responsible for accounting of funds in the system and funds for deposit and withdrawal transactions;

Article 7 Responsible for the fund transfer, liquidation and accounting management of the designated agency business projects of the Association;

Article 8 Responsible for the management of the centralized library of the Associated Press, responsible for the cash transfer accounting of each township and its affiliated outlets;

Article 9 Prepare and timely submit all kinds of relevant financial accounting statements and statistical statements;

Next page