XX year is a crucial year for the reform of credit cooperatives, a year for the implementation of various new policies, and a year full of opportunities and challenges. In order to conform to the trend of reform and strive for greater development of our society during the reform period, we have determined that the working idea for XX years is: under the leadership of the social affairs office at a higher level, we should focus on reform and management on the one hand and support agriculture and services on the other. Adhere to the guiding ideology of "strengthening internal quality, building external image, strict management and stable operation", firmly establish the business ideas of "establishing cooperatives by deposit, prospering cooperatives by benefit, governing cooperatives by law" and "emphasizing cost by deposit, quality by loan and efficiency by operation", closely focus on the main line of benefit, seize an opportunity (reform of rural credit cooperatives), highlight one theme (accelerating development) and strengthen four management.

1, with an annual increase of RMB 10,000;

2. Increase the share capital 1 10,000 yuan throughout the year;

3. The annual net loan investment is 10,000 yuan; "Three rural" loans account for more than10% of all new loans;

4. The absolute amount of non-performing loans decreased by 1 10,000 yuan;

5. The loan interest income is RMB 10,000, and the year-end profit and loss is RMB 10,000 after net settlement.

6. The comprehensive expense rate should be controlled within 29.5%.

To accomplish the above objectives and tasks, we must do the following seven tasks:

First, give full support to "agriculture, countryside and farmers" and take invigorating the rural economy as an accelerator to accelerate the development of credit cooperatives.

1, supporting agriculture highlights two key points.

(1) Give priority to ensuring the demand for credit funds for agricultural characteristic industries and grain production. While continuing to support the original specialized households and key villages to expand the scale, expand the base and optimize the structure, the director of the credit cooperative contacted a village, and each account manager helped 10 key households, focusing on support and striving to grasp the point and cover the area. The qualification examination of key villages should consider "three abilities", that is, the key villages supported can stimulate the enthusiasm of the surrounding people and quickly form the base scale; Can effectively solve the problem of product sales; It can promote the clearing of non-performing loans of credit cooperatives and the smooth recovery of interest. In the pre-loan investigation, it is necessary to achieve "three considerations", that is, villages that have not implemented collective old loans will not be considered; Villages where the two committees are not unified will not be considered; Regardless of the unhealthy rural landscape. When issuing loans, we must resolutely achieve the "three no loans", that is, no loans if there are debts; No credit, no business, no lending; No repayment ability, no loan. Ensure that the loan is accurate, recoverable and profitable. (2) Keep up with the market and strengthen marketing. With the change of rural market, the service objects and methods of credit cooperatives will also change, and they should serve the society on the basis of "agriculture, countryside and farmers". Relax the client. From simply granting loans to farmers in the past, it has changed to giving priority to farmers, taking into account laid-off workers in cities and towns, state civil servants, urban and rural economic joint organizations, individual and private economic organizations, state-owned and collective enterprises. Strengthen loan marketing. Improve the management and assessment system of loan officers, and effectively play the communication role of loan officers and farmers liaison officers. Relax the scope of loans. In the past, agricultural loans, mainly based on agriculture, were granted to farmers, but they penetrated into the field of social consumption under the need of ensuring agricultural funds, mainly supporting urban and rural residents to buy and build commercial housing and commercial housing; Support investment in education for urban and rural residents; Support urban and rural residents to purchase production and processing equipment and transportation; Support the re-employment project of urban workers; Support poverty alleviation and development projects. Change the management concept. In the past, the concept of small-scale peasant economy, which only supported farmers' small-scale production expenses loans, has been transformed into the concept of modern large-scale agricultural production. Combine supporting agriculture with promoting industrialization, vigorously develop agricultural products processing industry, extend the industrial chain, and connect the small-scale peasant economy of thousands of households with the ever-changing big market. Increase the added value of agricultural products, cultivate leading enterprises, and drive farmers to get rich and increase their income.

2. Four issues should be paid attention to in the implementation of micro-credit for farmers.

It is necessary to promote micro-credit loans for farmers to become the main way of credit supply. The requirements are that actions should be positive, the pace should be steady, the scope of influence should be expanded, and the effectiveness should be prominent. In the process of implementation, (1) strengthen publicity and guidance. It is necessary to pay close attention to all aspects, closely rely on village committees, make use of cable broadcasting, hold mass meetings and other forms, vigorously publicize the credit policies of credit cooperatives and the advantages of small credit loans for farmers, educate borrowers to enhance their credit concepts, reach a consensus of honesty and trustworthiness, and further promote the business work of credit cooperatives. (2) Accelerate the establishment and improvement of farmers' economic files. It is necessary to arrange personnel to carefully check the family property and credit status of farmers, fill in various forms in detail, and establish economic files. In the process of filing, you can't make a rough estimate behind closed doors; Unable to push to agent; It is even more important not to build less and report more, which is cruel to others and lays a solid foundation for the standardized management of loans in the future. (3) Continuously improve the credit system. Last year's credit users were strictly examined according to the standards. After review, the credit line of loans (once a year) will be re-determined, the "upgrade" management will be standardized, and the scale and quality of credit users will be gradually expanded. (4) Actively carry out the creation of credit villages and towns. Earnestly implement preferential loan policies to ensure that credit groups, credit villages and credit towns mature and pass the evaluation.

3. Improve the service of supporting agriculture and do three things well.

(1) Arrange funds reasonably. It is necessary to timely calculate large accounts of funds and further strengthen fund organization and loan recovery. On the one hand, it is necessary to ensure that the proportion of deposits and loans decreases gradually, on the other hand, it is necessary to ensure the demand for loans from credit users and agricultural restructuring projects. (2) improve work efficiency. When a customer applies for a loan, the credit cooperative should conduct a timely investigation, give clear opinions and reasons for support and disapproval within 3 days, report to the United Society within 5 days, and submit them to the Credit Committee of the United Society for research; For loans that are not carefully investigated and approved in time, the responsibilities of relevant personnel and departments will be investigated in accordance with the prescribed procedures and time limits. (3) improve work style. The countryside is a big stage for credit cooperatives to display their talents, and it is our unshirkable responsibility to provide high-quality financial services for agriculture, countryside and farmers. It is necessary to fully implement public loans. The loan conditions, procedures and interest rates shall be disclosed to members on a regular basis; The loan plan, payment amount and recovery situation are posted to the masses every quarter, and they are subject to the supervision of farmers and society. Only when the service is in place can the feelings between credit cooperatives and farmers be deepened, the purpose of serving agriculture, countryside and farmers will not be lost, the status of the main force of rural finance will not be changed, and the best financial bond between farmers will not be broken.

Two, quality service, implement the responsibility, vigorously organize funds, improve market share as a bridgehead to accelerate development.

1, keep an eye on the deposit.

For a long time, all employees have fully realized that deposits are the foundation of establishing cooperatives and the source of prosperity. Analyzing the fund organization of credit cooperatives in our county, the main reasons for being at a disadvantage for many years are limited financial resources, fierce competition in the same industry, poor communication routes and failure to form their own brand advantages. The fund organization of credit cooperatives is becoming more and more difficult, and even becomes a bottleneck factor restricting the rapid development of credit cooperatives. On the one hand, this bottleneck restricting the development of credit cooperatives in our county cannot be solved in a short time; On the other hand, for stability, development and efficiency, credit cooperatives must have sufficient funds and a stable environment. Therefore, we should take fund-raising as an important task to resolve financial risks and promote the rapid development of credit cooperatives, and achieve tangible results.

2. The total amount of "expansion" charges does not stop.

(1) Strengthen publicity and create a good fund-raising atmosphere. Through diversified publicity means, publicize the policy that gradually establishing a savings deposit insurance system is more conducive to protecting depositors' interests, establish and consolidate long-term and stable cooperative relations with customers, and expand the influence of credit cooperatives. (2) Timely public relations to expand the customer base. Through the collection and arrangement of information, we can understand and master the situation of key customers, develop and consolidate the gold customer group, and make us take the initiative in the fierce competition in the deposit market. In this regard, individual employees' single methods and inadequate publicity and explanation in the process of work development have led to depositors' disgust and anxiety, which has affected the development of this work and the effective play of its role. In the future, it is necessary to change information collection from direct inquiry to side understanding, door-to-door service from passive response to active marketing, and customer development from laissez-faire to target planning, so as to promote the better development of fundraising business. (3) Implement responsibilities and conduct strict assessment. It is necessary to strengthen the task allocation and assessment management of deposit work, decompose it into various time periods layer by layer, implement work efficiency linkage and implement incentive mechanism. Conduct quarterly assessment and evaluation, and set up quarterly ranking awards and special competition awards to maximize the enthusiasm of employees for fund-raising. (4) Strengthen investigation and solve outstanding problems in time. We must raise the organizational funds to the height of risk prevention, establish the business philosophy of "self-financing for benefit, self-seeking for balance for benefit, and proportional management for benefit", abandon the concepts of sitting, waiting, relying on and wanting, overcome the fear of difficulties, and mobilize all employees, participate in the war, make appointments for all employees, and seek batches for all employees to ensure a great improvement in the deposit work during the year. Fifth, we should fully implement quality services and polish the service brand of credit cooperatives. Every employee should always keep in mind: "Your words and deeds are depicting the image of the credit union, and you are the image spokesperson of the credit union." "Excellent service is the most convincing image propaganda, and today's service is tomorrow's market." It is necessary to turn this truth into the conscious action of every employee, stabilize old customers, develop new customers and continuously expand storage space with high-quality service. Take ensuring service quality as the top priority, and conscientiously implement the "Quality Service Standards and Assessment Methods for Business Halls"; Adhere to the leadership of leading large households and employees to run hundreds of households, and provide regular door-to-door service; Adhere to the "four priorities" principle of giving priority to savings outlets, self-operated businesses, gold customers and trustworthy customers, and timely put in small coins and new coins to meet the exchange needs of customers to the greatest extent; Really be polite, restrained and moderately receive customers, handle business in a standardized, fast and accurate way, provide a clean, tidy and comfortable service environment, and let customers feel "harmonious, friendly and warm"; It is strictly forbidden to suppress votes, be inefficient and make things difficult for customers. Especially during festivals, we must arrange enough people on duty to ensure normal business and facilitate people's deposit and withdrawal. In the future, any customer who complains to the credit union because of service attitude and service quality problems will resolutely pursue the responsibility of the relevant personnel once verified. It is necessary to "win" deposits by changing work style, "attract" customers out of the counter, and seize the opportunity to "attack" large households, laying a good foundation for further business expansion in the future.

The third is to improve the quality and expand the scale, and take strengthening credit management and preventing financial risks as the highlights of accelerating development.

1. Firmly establishing asset quality is the life consciousness of credit cooperatives.

In recent years, we have always regarded cleaning up non-performing loans and controlling risks as the most fundamental work. However, the problem of non-performing loans has not been eradicated. The reasons are as follows: First, the loan period is unreasonable. Second, lending is blind. The pre-loan investigation is not serious and the control is not strict. Third, the implementation system is not in place. Impersonation, human relations and other illegal loans occur from time to time. Fourth, the door-to-door receipt is not timely. The loan quality is a steelyard, a ruler and a mirror that we manage. The high level of non-performing loans has seriously endangered the survival and development of credit cooperatives. Therefore, all employees must improve the quality of credit assets and resolve financial risks to a strategic height, and firmly establish a sense of risk prevention and hardship. In daily work, first, we must adhere to the system; Second, we must control ourselves; Third, we should always make unremitting efforts. With a responsible attitude and down-to-earth spirit, we will do a solid job in eliminating evils and reducing risks, so that our agency can form a good pattern of high quality, high efficiency and low risk as soon as possible.

2. Standardize the management of new loans, actively control risks, and improve quality to drive the growth of volume.

First, strict loan methods and optimized loan structure. Priority will be given to mortgage guarantee, joint household guarantee and micro-credit loans, and pledged loans will be fully increased. Loan officers should check the credit files of farmers and register them in detail when issuing each loan. At the same time, the "three customs", that is, the investigation customs, should be clearly used to achieve a "clear" word; After examination and approval, the limit cannot exceed the standard, so as to achieve a "real" word; Customs clearance procedures should be complete, and the word "accurate" should be the first priority. For loans that do not strictly follow the procedures, they must be recovered within a time limit and included in the account of the responsible person for punishment. The person in charge is twice as much as the social director. Second, strict case management in loan-to-deposit ratio. It is necessary to intensify fund raising and loan recovery, and rationally arrange the loan scale. The third is to standardize the management of pledged loans. Preferential interest rate for pledged loans; The loan pledge must be the deposit certificate of the credit cooperatives within the jurisdiction; Pledged loans must be "zero risk", not overdue, not insufficient deduction, and not allowed to withdraw or exchange pledges at will. In the future, all losses caused by pledged loans will be fully compensated by the responsible person. The fourth is to establish and improve the post-loan management system and give full play to the management role of loan officers. Further clarify the post-loan management responsibilities, standardize post-loan inspection, risk warning, risk prevention and file management. Continuously improve the management level of loan officers and strengthen loan monitoring and management. Fifth, effective use of interest rate floating policy, standardize interest rate management.

3. Revitalize non-performing loans and fully control loan risks.

First, find out the basic situation of non-performing loans within the jurisdiction, analyze the causes of non-performing loans, queue up by classification, take a multi-pronged approach, and use the strategy of "one household, one policy, one household and many parties" and effective economic, administrative and legal means to grasp the big and let go of the small, prescribe the right medicine and treat them by classification, so as to enhance the pertinence and effectiveness of the work. Second, earnestly implement the target responsibility system for the collection of non-performing loans and pay close attention to the collection of non-performing loans. It is necessary to promptly implement the collection tasks and responsibilities to relevant posts and responsible persons, and implement work efficiency linkage, collection responsibility, strict assessment, and rewards and punishments. It is necessary to change the previous practice of saving energy in the off-season and making a last-ditch effort in the peak season as soon as possible, adhere to the working methods of vigorously grasping in the off-season, vigorously grasping in the peak season and constantly grasping unremittingly, and strengthen the leadership over the collection of non-performing loans. Organize the loan officers well, combine them when appropriate, and divide the work when appropriate. Visit all borrowers door to door, at least twice a quarter. And timely send reminders and collect receipts, extend the statutory limitation of loans, give full play to the joint efforts of loan collection teams, quickly open the gap, and create a good atmosphere for the smooth promotion of revitalization. At the same time, individual debtors and large debtors should be determined to manage loans according to law, establish a four-in-one loan collection mechanism of "openness, fairness first, government cooperation and employee participation", and take administrative and legal measures to forcibly recover them according to law. Third, actively and cautiously carry out debt-for-goods activities. The management principle of "strict control, legal acquisition, proper custody, easy realization and effective disposal" should be adhered to, and the custody, disposal and realization work must be standardized to prevent debt failure and logistics loss of debt repayment. Fourth, actively collect loans from enterprises and rural groups. In recent years, the collection of these loans has lagged behind, and some even ignored them and adopted the attitude of giving up, which invisibly contributed to the bad habit of such loans to avoid debts. This year, the revitalization and collection of these loans should be taken as the key work, and the director should be responsible for it. In accordance with the principle of clearing, lowering and replenishing, we will implement them one by one, actively preserve assets, and ensure great progress in revitalizing loans during the year. Fifth, improve the legal requirements of loans. For loans with incomplete legal elements, under the principle of collective research and filing with the Associated Press, IOUs can be replaced, but the premise must be to recover cash, and the standard must be to recover at least 5%- 10% of the principal and settle all interest. In practice, we should be pragmatic and realistic, and we should not accept the money and leave it empty, and we should not reduce it for nothing. It is necessary to standardize the custody of old and new IOUs, clarify the responsibility of lending, and make good use of the policy. The sixth is to promote the clearing work with "clearing in front of the door" as a breakthrough. Re-check the employee's loan commitment, guarantee and loan introduction, and urge the person in charge to make a return plan and put it into practice as soon as possible.

Fourth, strengthen management, strictly control costs, and take increasing revenue and reducing expenditure and improving operating efficiency as the support points for accelerating development.

1, pay close attention to financial management to increase income and strive to expand income sources.

First, we must increase the intensity of interest collection. We must always take the work of collecting interest as the top priority of all work, and earnestly grasp it early, quickly and realistically. The task of collecting interest should be carried out from person to person, quantified to month, "performance linked", strict assessment, clear rewards and punishments, and improve the sense of responsibility of credit personnel for collecting interest. At the same time, it is necessary to change the way of collecting interest, reverse the wrong practice of not collecting interest at the beginning of the year, collecting interest at the middle of the year and collecting interest at the end of the year, firmly establish the consciousness of collecting interest every day, strive to collect interest on a monthly basis, settle interest on a quarterly basis without default, and implement the strategy of defending the season and attacking the season to promote the improvement of interest rate. The second is to expand the source of income. Encourage qualified cooperatives to consolidate and develop their main business, make full use of the characteristics of credit cooperatives, actively start intermediary businesses such as collection and payment, agency insurance, and strive to achieve diversified operations and find new profit growth points.

2. Standardize expenses and strive to reduce operating costs.

It is necessary to strictly implement the relevant regulations on cost management formulated by the Associated Press, and strictly control expenditures in accordance with the principle of "living within our means". Continue to implement the responsibility system of double-line assessment of cost amount and cost rate. We should be diligent and thrifty, establish a sense of economic accounting, adhere to the purpose of running a cooperative through diligence and thrift, and resolutely not spend the money we can spend; It is necessary to highlight the word "strictness", adhere to a single examination and approval system, and implement standardized use at public expense, one-time use of personal expenses, and collective examination and approval of large expenses to make expenses reasonable, legal and compliant, and reduce unreasonable expenses; For the expense examination and approval procedures, we must strictly observe the expenditure standards and resolutely put an end to illegal expenditure phenomena such as breaking up parts into parts. Establish a register of expenses approval and make expenses public. Put an end to the phenomenon of blind comparison and spending money indiscriminately, and it is strictly forbidden to eat and drink public funds. Once discovered,

Severely punish relevant personnel and investigate leadership responsibilities. Strive to reduce the amount of expenses this year compared with last year.

3, to compress the non-interest-bearing funds, low-profit funds to make profits.

It is necessary to do a good job in fund scheduling, release excess cash in time, reduce idle time of funds, and increase interest income from rollover. It is necessary to accurately calculate the position, reasonably keep the inventory limit according to the requirements of Associated Press, and increase the income. At the same time, the funds in accounts receivable should be strictly implemented in accordance with the regulations of the Associated Press, and all capital transactions unrelated to business are strictly prohibited.

4. Strengthen management by objectives.

After the objectives and tasks are clear, it is key to implement the responsibility system as the core. The task must be decomposed and quantified at one time according to the principle of hierarchical management, and the responsibility should be implemented to people; At the same time, it is necessary to formulate strict reward and punishment measures in light of local conditions, take targeted measures, and earnestly implement them. It is required to complete more than 60% of the annual tasks before the end of June this year, and the implementation time is more than half, exceeding the tasks. It is necessary to completely solve the problem of loose front and tight back, and make reasonable arrangements and rapid deployment according to the requirements of grasping early and grasping fast, so as to realize the task of the current month to be completed in the current month and the task of the current season to be cleared in the current season, so as to synchronize the time with the target.

Five, pay attention to education, improve management, and improve the quality of employees as the cornerstone of accelerating development.

1, pay equal attention to perfection and improvement, and strengthen team building.

First, we should strengthen organizational leadership and create a good atmosphere for entrepreneurs. Unify the thoughts of all staff, implement various systems, guide all staff to study and analyze new situations, determine new tasks and solve new problems, thus forming a rigorous, rigorous, strict and serious work style in the team. Second, it is necessary to strengthen the team's own construction and improve the leadership ability of leading cadres. Give full play to the democratic management style and listen to employees' suggestions and opinions extensively, so as to supervise employees' behavior, improve the overall decision-making level and management level of leading bodies, and solve major problems in enterprise management. Pay attention to the cultivation and improvement in practical work, educate leaders and employees to consciously "actively work, cooperate in time, consciously compensate and prevent in time", and strive to build the team into a working team, a United team, a decent team and an efficient team.

2. Pay equal attention to education and guidance, and strengthen team building.

This year, we will focus on building a learning credit cooperative. As the beginning of this work, we should study throughout the year, educate and guide all employees to establish learning concepts, form study habits, gradually realize the atmosphere of study and work, cultivate and improve the team's learning consciousness, and lay a good foundation for the establishment of learning credit cooperatives.

(1) Strengthen the combination of on-the-job self-study and concentrated learning to improve the quality of the team. This year, we should adhere to the combination of learning and application, carry out intensive learning for employees at different levels and in a targeted manner, and promote the overall improvement of management and service levels. First, make a study plan, organize study and test regularly, promote the learning progress and ensure the learning effect. In terms of content, we should do a good job in studying financial laws and regulations and various systems; In the form of assessment, rewards and punishments, and notification. Second, we should focus on the training of service personnel in counter explanation, answering skills, service etiquette, receiving people and waiting for things; At the same time, we should focus on learning "new knowledge, new business and new technology", strengthen the daily study of employees, strive to create favorable conditions, actively support and encourage employees to participate in social learning, continuously improve the quality of all aspects and the ability to control management, and further improve and optimize the knowledge and cultural structure of employees. Through learning, guide all employees to change their thinking mode, give full play to their potential, and solidly promote all work. ② Encourage employees to become self-taught. Encourage employees to participate in correspondence education organized by colleges and universities, actively send outstanding talents to colleges and universities for full-time study, and train a group of employees with excellent political skills, high quality and high professional quality. (3) It is necessary to strengthen the typical excavation and training work, establish advanced models of various industries, educate and guide cadres and workers to learn from people and things around them, do things with goals, and carry out their work better. Let all employees understand-love to fight will win; Everyone can understand: forget my past, cherish your present, and strive to create the glory of credit cooperatives! This is for the development of credit cooperatives and for your own easy survival. Because saving the credit union means saving the most precious thing in your life.

Six, highlight the key points, grasp the key, and effectively strengthen party building and spiritual civilization construction as a booster to accelerate development.

1, strengthen the construction of party organizations and make them a strong fighting fortress.

Ensure that the vanguard role of "one branch, one fortress, one group, one position, one flag for party member" is constantly strengthened. First, Party organizations should strengthen education in party member, guide party member to suffer before enjoying, take the lead in completing his own tasks, set an example for the masses, adhere to the basic system of "three meetings and one lesson", strengthen party spirit training, and be serious about party discipline. Through party member's exemplary action, we can awaken the workers' sense of ownership, that is, "society prospers me and society declines me" and "if you don't work hard, you will lose your job, and if you don't love your job, you will be laid off". Second, we should strengthen the training of young comrades. Give enthusiastic help and encouragement to activists who join the Party, promptly recruit outstanding comrades to prepare for joining the Party, and maintain the vitality of the Party organization.

2, to create a civilized unit and carry out excellence, selection, evaluation activities as the carrier, solidly promote the construction of spiritual civilization of credit cooperatives system.

(1) Carry out the "post expert" competition focusing on performing job responsibilities. (2) Carry out the activities of "I do practical things for customers" and "Serve every day with my heart" focusing on "after-sales service" to close the relationship with customers. (3) Discuss the high-quality service standard of the credit cooperative business hall and improve the service quality. (4) Carry out "weekly study, monthly meeting and quarterly discussion" activities to improve employees' professional knowledge, policy level and writing and language control ability. (5) Organize the labor competition activities of "comparing, learning, catching up, helping and surpassing", and commend "star workers", "excellent loan officers", "excellent accountants (cashiers)", "experts in loan collection" and "champion in interest collection" through year-end appraisal. Every activity should be arranged, checked, evaluated and summarized.

Seven, the implementation of measures, comprehensive management, to strengthen the "three prevention and one protection", to achieve safe operation as the lifeline to accelerate development.

"Three Preventions and One Guarantee" is an important prerequisite and guarantee for the healthy development of rural credit cooperatives. The current social security situation is not optimistic, and the concentration of funds in financial institutions is the main target of criminal attacks. Frequent bloody cases and important cases have caused great harm to collective property and personal safety of employees. This year, we should fully understand the grim situation faced by safety work at this stage, and educate employees to firmly establish the "concept", that is, the concept of safe haven and safe profit. It is necessary to adhere to weekly safety study education and monthly case analysis education, especially in combination with the actual safety and security work of the unit, thoroughly eradicate the negative thinking of "three defenses and one guarantee" and always tighten the string of safety prevention. We must grasp the "two key points". First, key positions. Namely guard post and cashier post; The second is the key link. That is, handing over warehouse boxes, guarding and escorting at night, and business hours. Key positions and key links are the "fire point" of safety accidents. Therefore, we must maintain a high degree of vigilance in our work, strictly operate procedures, standardize procedures, and take preventive measures in place, so as not to leave criminals an opportunity. It is necessary to improve the physical defense conditions. It is necessary to further strengthen the construction of credit union outlets and warehouses. Carefully check the security facilities of business outlets that meet the standards, and timely rectify, change, change and reinforce those that do not meet the standards, leaving no dead ends, and strive to improve the level of physical defense. It is necessary to strengthen the "three implementations". That is, to implement the responsibility for safety precautions, to implement various rules and regulations, and to implement preventive measures. Quantitatively assess each post of safety precaution, starting from the basic work, and form a safety precaution pattern in which the post pays attention to itself, all staff pay attention to it, and the first level pays attention to the first level and the first level is responsible. Take day and night inspections, on-site and telephone inspections, and daily and surprise inspections to organize unannounced visits. We should take the work of "three defenses and one guarantee" as the top priority, and the director, as the first person responsible for safety, should always arrange, check and supervise the safety work of credit cooperatives. The safety responsibility book must be put in place item by item, and at the same time, the rules and regulations should be strictly guarded against death. It can't just be written on paper, hung on the wall and shouted in the mouth, but must be implemented in action to the letter. On the basis of strengthening and improving physical defense and technical defense, strengthening civil air defense is the top priority, and those who do not abide by the system, violate operating rules and have safety accidents will be dealt with strictly, and will never be soft and will not be tolerated. In particular, it is necessary to strengthen the dynamic monitoring of employees' thoughts, strengthen the management of cash and important blank vouchers and seals, and prevent all kinds of cases and accidents. We must strictly enforce labor discipline, adhere to the leave system, and adhere to the duty shift system. Once the personnel who leave their posts without permission are found, they will be notified immediately and dealt with immediately.