At the end of the year, the Director of Operations concluded that under the guidance of Theory of Three Represents and the correct leadership of the Associated Press, the Fund Operation Department firmly established the Scientific Outlook on Development, actively implemented the business philosophy of "enriching the people and strengthening the society and accelerating development", kept pace with the times, strengthened the basic management of credit, established the credit marketing concept, established and improved the management system, vigorously cleared up non-performing loans, took increasing effective investment as the main line of business work, strengthened credit management and standardized the loan operation process. Efforts have been made to improve the overall level of credit management, and certain progress has been made in all work, effectively promoting the healthy and steady development of credit work and various businesses of rural credit cooperatives.
1. Great progress has been made in organizing funds. In 20xx, according to the unified arrangement of the Associated Press, our department established the market concept, enhanced the sense of competition, expanded the service depth, improved the assessment mechanism, and better grasped the initiative of the work. By the end of 20xx, the balance of various deposits in the county association was billion yuan, an increase of billion yuan, or%, over the same period last year. Among them, the balance of savings deposits and corporate deposits is 10,000 yuan and 10,000 yuan respectively; Compared with the beginning of the year, it increased by 1 10,000 yuan and 1 10,000 yuan respectively, which was the highest growth rate over the years. Credit cooperatives with more deposits are: the business department increased by 1 10,000 yuan compared with the beginning of the year; Miao Wei Credit Cooperative increased by 1 10,000 yuan compared with the beginning of the year; Mengzhuang Credit Cooperative increased by 1 10,000 yuan compared with the beginning of the year; Xiangyanglou Credit Cooperative increased by 1 10,000 yuan compared with the beginning of the year; Huxi Credit Cooperative increased by 1 10,000 yuan compared with the beginning of the year.
2. Effective credit input is increasing. Our department conscientiously implements the requirements of credit cooperatives to support agriculture, takes the development of local economy as its own responsibility, firmly establishes the purpose of serving agriculture, countryside and farmers, actively expands the credit market, and gives full play to the role of rural credit cooperatives as the main force of rural finance. By the end of 20xx, the loan balance of the county's credit cooperatives was billion yuan, an increase of billion yuan over the beginning of the year. Among them, the balance of agricultural loans was billion yuan, an increase of billion yuan over the beginning of the year, accounting for% of the total new loans in that year. The balance of farmers' micro-credit loans and farmers' joint guarantee loans was billion yuan and billion yuan respectively, an increase of billion yuan and billion yuan respectively over the beginning of the year. Loans were granted in 20xx years, and the accumulated income was one million yuan.
3. Operating efficiency has been continuously improved. The annual interest income of 20xx is 10,000 yuan, which is 10,000 yuan more than the same period last year. The operating conditions have been improved and the benefits have been significantly improved.
4. Credit villages (towns and households) have achieved remarkable results, and the rural credit environment has been continuously optimized. By the end of 20xx, the county has established 2 credit towns, 2 credit villages 10 1 1 credit users, 3 farmers' economic files, 1% files, 1 loan certificate and 1 certificate, and established farmers' joint insurance group.
5. Actively promote the five-level classification management of loan risks, establish and improve the credit management mechanism, and promote the healthy development of credit business. In the year of 20xx, the five-level classified management of loan risk was carefully organized. Through the initial five-level classification of loans, it increased by 1 10,000 yuan compared with the four-level classification of loans, and the proportion of non-performing loans increased by%, which comprehensively, truly and dynamically reflected the real situation of loan quality.
Summarizing the work for the whole year, the Capital Operation Department has mainly done the following work:
First, take practical measures to improve the working system and push the work of the IMF to a new level.
In order to make the county's fund-raising work have a good start, the fund operation at the beginning of the year made a work plan in time, which enabled the fund-raising work to be deployed early, mobilized deposits early and implemented measures early, enhanced the planning of the work and made the fund-raising work have a good start.
1, actively explore new ways of deposit growth and strive to expand the sources of funds. Therefore, on the basis of summing up the basic experience of organizing capital work last year and investigating the deposit market in detail, we rationally decomposed the overall work objectives and tasks for the whole year, changed our business philosophy, actively explored new ways of deposit growth, tackled key problems by the government and won the support of local governments. After efforts, the county government coordinated funds 1 10,000 yuan in 20xx. At the same time, all credit cooperatives and ministries are required to combine the issuance of loans to support agriculture with purchasing and storage, and actively mobilize wealthy farmers to deposit funds in credit cooperatives to form a virtuous circle of lending and storage.
Wangzhuang Credit Cooperative has increased the investment in credit funds for traditional cash crops and supported the development of new varieties such as watermelon and cantaloupe, such as Jingxin 1, Jingxinwang and Four Seasons Pioneer. , is planted in large quantities. The new variety is very popular in the market and sells well. The credit cooperatives organized staff to provide on-site services and work overtime. In May alone, they lent nearly 5 million yuan. As a national breeding base, Huxi Credit Cooperative fully supports the development of local characteristic agriculture, so that rice seeds are sold all over the country after harvest, and farmers' income is greatly increased. Credit cooperatives visited the village in time to absorb deposits, and the monthly deposits increased by 1 1 more than ten thousand yuan.
2. The flexible mechanism has promoted the development of organizational fund work. Grasp the initiative of organizing fund work in time. In the form of document 1 issued by the Associated Press, the assessment method for organizing fund competitions in the first quarter was formulated. After receiving the notice, all units acted quickly, seized the golden opportunity of organizing funds during the Spring Festival and took the initiative in the work. At the beginning of the year, the Associated Press rewarded the units that completed the excellent deposit task, and did not engage in egalitarianism, which opened up the level of bonus and fully mobilized the initiative and enthusiasm of all cadres and workers to absorb deposits. Flexible management mechanism promotes the initiative of organizing funds and greatly increases deposits.
3. Subdivide the deposit market, dig deep into the source of storage and realize the extraordinary growth of various deposits. Facing the increasingly fierce competition in our county's financial system, actively mobilize all credit cooperatives and departments to carry out in-depth educational activities of "establishing deposit societies". Credit cooperatives pay attention to market research, vigorously promote personalized services, and increase business types according to the needs of different social customers and local actual conditions and work needs. On the one hand, actively carry out the business of signing bank acceptance bills on behalf of China Bank and the business of signing bank acceptance bills by credit cooperatives themselves. This alone will increase the time deposit of credit cooperatives by 1 10,000 yuan, of which the time deposit of Xiangyanglou Credit Cooperative is 1 10,000 yuan. On the other hand, we should establish a file of stored information, keep abreast of the stored information, combine door-to-door service with reservation service, strengthen the analysis of deposit information, further make the organization of funds tangible, informative and standardized, increase systematic centralized public relations with gold customers, and promote the rapid growth of various deposit work. Xiangyanglou Sub-branch keeps abreast of the changes in the production and operation cycle of gold customers, and uses its own advantages to attract a large number of customers to act as deposit agents. Due to the work in place, the deposit exceeded the annual task.
4. Pay equal attention to publicity and service, and strive to build the service brand of rural credit cooperatives. Firmly establish a good social image of credit cooperatives, focus on promoting the social status, financial strength and service functions of rural credit cooperatives, and extend the publicity work to thousands of households; Actively expand the business scope, actively open credit card business, use the opportunity of rural labor to go out to work to publicize the relevant knowledge of credit cards, comprehensively publicize the business scope of credit cooperatives, and let more farmers be willing to handle business in credit cooperatives. By the end of the year, more than * * * cards were issued, and the credit card deposit reached 1 10,000 yuan.
Second, increase investment and actively support the development of agriculture, rural areas and farmers.
Since the beginning of this year, while increasing credit input, we have strictly grasped the investment and quantity of loans, followed the credit policy of differentiated treatment and optimized structure, focused on supporting agriculture, rural areas and farmers, and insisted on taking farmers, individual and private economies and small and medium-sized enterprises as the most basic customers, fully supporting rural economic development and promoting the construction of a well-off society in rural areas. By the end of 20xx, the loan balance of county credit cooperatives was billion yuan, a net increase of billion yuan over the beginning of the year. Among them, the balance of micro-credit loans for farmers was billion yuan, a net increase of billion yuan over the beginning of the year, the balance of joint guarantee loans for farmers was billion yuan, an increase of billion yuan over the beginning of the year, the balance of industrial and commercial loans for rural areas was billion yuan, an increase of billion yuan over the beginning of the year, and the balance of loans for farmers was billion yuan, an increase of billion yuan over the beginning of the year.
(1) Strengthen quality service and change ideas. While improving the service level and quality, we should constantly optimize the service means, change our concepts, vigorously promote micro-credit loans for farmers and joint loans for farmers, intensify the creation of credit villages and towns, and strive to optimize the rural credit environment and improve the quality of assets.
1. Further enhance the sense of honor in supporting the economic development of agriculture, rural areas and farmers, further enhance the sense of business responsibility, strive to provide high-quality and efficient financial services for cadres and farmers in rural party member within their jurisdiction, actively do a good job in the issuance and management of micro-credit loans and farmers' joint guarantee loans, vigorously support the development of farmers, large professional households and individual industrial and commercial households in party member, and cultivate experts in getting rich and developing economic talents. By the end of 20xx, the balance of our micro-credit loans and farmers' joint guarantee loans was 1 10,000 yuan, an increase of 1 10,000 yuan over the beginning of the year, accounting for% of new loans. In August, 20xx, the fund operation department reorganized and standardized the operating procedures of farmers' joint guarantee loans on the basis of the original management methods of joint guarantee loans. In accordance with the "voluntary association, multi-household joint guarantee, installment repayment and risk * * * *", the joint guarantee team signed a joint guarantee agreement with the members, approved the maximum amount and duration, and issued loan certificates, effectively solving the capital needs of large professional households and individual industrial and commercial households with normal production and operation.
2. Ensure the creation quality and strive to improve the credit environment. In the process of establishing credit users and credit villages (towns), the fund operation department insists on the combination of establishing and reducing credit risks, insists on developing a mature village (town), ensures the quality of establishing credit villages (towns), fundamentally solves the problem of farmers' loan difficulties, optimizes the rural credit environment, closes the relationship between communities and banks, and promotes the self-development of credit cooperatives. It is a "popular project" that benefits the country, the people and the society.
3, actively do a good job in the issuance and management of national student loans. The granting of student loans by rural credit cooperatives is an important part of solving the "three rural" problems. In order to ensure that a college student within the jurisdiction does not drop out of school because of family poverty, our department organizes the credit staff of grass-roots credit cooperatives to conduct a comprehensive survey of college students and college students within the jurisdiction every year, establish and improve the comprehensive information files of students' families, and actively handle students who meet the conditions of national student loans in accordance with the Measures for the Administration of the Implementation of National Student Loans, so as to solve the tuition problems of needy college students in time. By the end of 20xx, the balance of student loans was 1 10,000 yuan, an increase of 1 10,000 yuan compared with the beginning of the year, and the national student loans were issued 1 10,000 yuan.
4. Concentrate on the scale of credit funds and actively support the development of private economy. Since the beginning of this year, we have firmly established the concept of "the private individual economy wins the world", promoted the industrialization and regionalization of private individual economy in our county according to local conditions, rationally adjusted investment, highlighted investment priorities, and supported the development of large private individual households with certain scale and stable operation. Actively support leading agricultural enterprises and new science and technology projects with high technology content, high added value and good prospects. In 20xx, private enterprises with clear property rights, strong financial strength, good enterprise development prospects, good credit, good management and in line with national industrial policies were given targeted credit support. By the end of the year, a total of 1 10,000 yuan has been invested in industrial and commercial loans.
(B) innovative work ideas, actively expand new business, and constantly cultivate new profit growth points of credit cooperatives.
1. Actively expand the bill discount business. In order to overcome the narrow scope of intermediary business of rural credit cooperatives, our department actively cooperates with relevant offices to start bill discount business on the premise of perfecting procedures. Throughout the year, there was a credit cooperative in this county that handled the discount business, with a total discount of 1 10,000 yuan, and realized the discount income of 1 10,000 yuan. Peicheng Credit Cooperatives, Yangtun Credit Cooperatives, Xiangyanglou Credit Cooperatives and Urban Credit Cooperatives actively recommend discount services to customers, so that customers can use their funds in the shortest time and win their money.
2. Actively launch the mortgage loan business of urban facade houses. In order to further optimize the credit structure, cultivate excellent customer groups, seize the market share of mortgage pledge loans, and reduce the risk of credit funds, all pledged loans are given priority and enjoy preferential loan interest rates on the premise that the procedures are legal and compliant; Actively coordinate with real estate, land management, justice and other departments, take the initiative to conduct on-site investigation on the application for mortgage loans for urban facades, and actively handle them in line with the conditions. At the end of the year, the mortgage loan balance of our facade house was billion yuan, an increase of billion yuan over the beginning of the year.
Three, actively promote the five-level classification management of loan risks, establish and improve the credit management mechanism, and promote the healthy development of credit business.
(a) scientific calculation, analysis and reasonable formulation of five-level classification implementation plan.
According to the spirit of the higher-level documents, referring to the experience of other brother associations and combining with the actual work of our association, we organized relevant personnel to formulate the Five-level Classification Rules for Loan Risks of Rural Credit Cooperatives. In strict accordance with the provisions of the Provincial Association that the loan balance of large enterprises and institutions should not be less than 70% of the total loans of enterprises and institutions, and the loan balance of small natural persons should not exceed 50% of the total loans of natural persons, we subdivided the large enterprises and natural persons in our county.
(2) Carefully organize training and study to comprehensively improve the comprehensive ability of credit personnel. The five-level classification of loans is a highly technical job. There are new requirements for the five-level classification of 20xx annual loans. In order to improve the county's loan officers' latest knowledge and awareness of the five-level classification of loans and their work enthusiasm, the fund operation department organized the five-level classification training of term loans in 2000 1 month and1February, and invited qualified accountants in our county to explain financial analysis, non-financial analysis, guarantee analysis and cash flow analysis. Our legal adviser focuses on guarantee analysis. The director in charge of credit of the credit cooperative led the students to carefully study the relevant documents, and asked all grass-roots social organizations to conduct self-study, learn deeply and thoroughly, understand the spirit of the documents, master the classification basis, and divide the loans into real and detailed loans according to the requirements of the five-level classification work.
(three) do a good job of supervision and inspection, strengthen inspection and guidance. In order to ensure the smooth development of the five-level loan classification work of grass-roots credit cooperatives, the fund operation department has set up a five-level loan classification supervision group, which is responsible for the inspection and business guidance of the five-level loan classification work in the county, and ensures that all credit cooperatives complete their tasks on time.
Four, strengthen the basic management of credit, adhere to both loan issuance and management, and strive to improve the overall level of credit management.
(A) to strengthen the comprehensive management of farmers information file management. In the process of organizing the five-level classification of loans, our department intensified the investigation of farmers' loan demand, replaced the new comprehensive management information files of farmers, and asked grass-roots cooperatives to conduct a detailed investigation and analysis on the credit status, assets status and business prospects of large-scale farmers' loans, and evaluated the assets and liabilities. Through the standardized inspection of economic files, cooperatives can establish and improve farmers' comprehensive management information files as required, and number the economic files; Pay attention to loan investigation, record the economic conditions of borrowers and guarantors in detail, and record the borrower's loan and repayment records in time; Through the normative inspection of farmers' comprehensive management information files, it is ensured that farmers' comprehensive management information files are practical, clean and standardized.
(2) Improve various rules and regulations. In 20xx, the Capital Operation Department revised and improved some credit rules and regulations, and successively formulated the Administrative Measures for the Implementation of Guaranteed Loans for State Officials, the Administrative Measures for the Operation of Automobile Loans, the Detailed Rules for the Implementation of Risk Classification of Credit Assets, and the Due Diligence Guidelines for the Management of Credit Business.
(three) strict implementation of large loan approval system. In 20xx, the fund operation department implemented a large loan approval system. Financial analysis, guarantee analysis, non-financial analysis and other methods are used to analyze and calculate the reported enterprises, and then on-the-spot visits are made to the borrowing units to objectively and truly evaluate the loan risks. Large loans are examined and approved by the members of the Credit Committee of the Credit Union one by one. In 20xx, all credit cooperatives and departments reported loans to be approved 1 10,000 yuan, and the meeting approved the issuance of loans 1 10,000 yuan, effectively controlling the risk of each loan.
Five, intensify credit inspection and punishment, conscientiously implement the internal control system of credit management, and strive to improve the overall quality of personnel, improve the supervision and inspection system.
(1) Intensify credit inspection and effectively improve the basic management level of credit. Since the beginning of this year, we have gone deep into the branches under our jurisdiction for counseling and inspection at least three days a week. During the inspection, we mainly checked the legality of mortgage loan procedures and the resolutions of the board of directors issued by the company to guarantee loans by reading loan IOUs, contracts, economic files, work logs and post-loan inspection books of credit personnel. The problems found in the inspection were rectified in time, and a written report was formed after the inspection, which effectively promoted the improvement of the basic management level of credit.
(two) adhere to the people-oriented, strengthen team building, and constantly improve the level of credit services. First of all, strengthen the construction of credit team and optimize the personnel combination. What kind of credit team determines the quality of credit assets. We adhere to the principle of "people-oriented" and optimize the personnel combination. This year, a loan officer exchanged posts, strengthened employees' professional ethics, and promoted the service level with marketing ideas. He asked the loan officer to carry forward the traditional spirit of backpacking to the countryside and keeping close contact with the masses, actively help customers solve some problems, and create more relaxed business space with sensitive people. Secondly, in order to do a good job in the online work of the credit management system, a training period was held this year, with a large number of participants, writing credit knowledge materials, inviting senior teachers of RTVU to give special lectures, supplementing and learning new knowledge and skills in time, and striving to improve the quality of employees. Third, actively carry out the "sunshine project" of loan operation, issue "convenience cards" for credit services throughout the jurisdiction, truly understand the quality and problems of credit services, adopt reasonable suggestions in relevant questionnaires, avoid "black-box operation" and facilitate people to understand credit policies.
Six, vigorously collect non-performing loans, effectively prevent and resolve financial risks.
(a) combined with the actual situation, a reasonable allocation of tasks, the implementation of incentives. At the beginning of the year, according to the current situation of non-performing loans of grass-roots credit cooperatives, I visited most credit cooperatives, made a thorough investigation of the non-performing loans that have been formed one by one, carefully understood the reasons for the formation of non-performing loans, determined the amount and time limit for the collection of non-performing loans according to the actual situation, and scientifically and reasonably issued the task of collecting non-performing loans throughout the year, so that grass-roots credit cooperatives could achieve their goals, plans and pressures in the collection of non-performing loans. In order to mobilize the enthusiasm of employees in the jurisdiction to collect non-performing loans and strengthen the collection of non-performing loans, the Associated Press implements an incentive method, and the non-performing loans recovered after exceeding the task are rewarded by%, and the non-performing loans that have been written off are rewarded in proportion.
(2) Manage the source of new loans to prevent the formation of new non-performing loans. In terms of new loans, we have fully implemented a scientific and reasonable authorization credit system to further strengthen the loan process and restraint mechanism. First, based on the principle of "different treatment, separate authority", scientifically and reasonably determine the authorized amount of grassroots social loans, and do not make a one-size-fits-all approach. Second, comprehensively consider the scale, financial status, development prospects and credit status of the loan enterprise, and give comprehensive credit to the enterprise. Third, after the full implementation of the authorization management system, we have further strengthened all aspects of loan issuance, management and recovery. Strict implementation of credit management rules and regulations, strengthening the "three checks" of loans, implementing the "three posts" operation, highlighting the post-loan inspection, and strict approval procedures for large loans have effectively put an end to the "one-off" phenomenon of loans and improved the security of credit funds.
(4) Improve the methods and systems for the collection of non-performing loans, and enhance the sense of urgency and responsibility in the collection work. First, in view of the phenomenon that a few social organizations have a weak sense of responsibility and ineffective work in the collection of non-performing loans, strengthen the management of the collection of non-performing loans, urge the director of credit cooperatives to personally grasp, implement the person responsible for the collection of non-performing loans, and implement strict assessment. Penalties and compulsory measures should be taken to recover loans from non-performing loans and illegal loans such as self-loans, relatives' loans and introduction-guaranteed loans of credit union employees. In addition to the "linked assessment", we also signed a letter of responsibility for the pressure drop of non-performing loans, which played a positive role in the pressure drop of non-performing loans.
(5) In view of the phenomenon that there are many overdue loans in the normal loan subjects of rural credit cooperatives in this county, in order to ensure the safety of credit funds, the fund operation department has established a loan management account, which is in charge of by a special person; For credit cooperatives with a large increase in overdue loans, a ten-day dispatching system will be established to reduce the pressure on non-performing loans. For credit cooperatives or responsible persons with a large increase in non-performing loans, a dispatch meeting will be held in time to analyze the reasons, clarify the responsibilities, distinguish the situation, and take measures such as prosecution, collection according to law, and repayment by the guarantor. At the same time, loans issued by trans-regional, large-scale enterprises, impersonator and signature, whether due or not, will be resolutely recovered within a time limit, and a collection responsibility letter will be signed with the responsible person; In 20xx, early warning notices were issued to 19 credit cooperatives with more overdue loans, effectively reducing the pressure on non-performing loans.
Summarizing the work of 20xx, the fund operation department still has the following shortcomings:
First of all, although deposits have grown steadily, there is an obvious imbalance between regions. Some units have overfulfilled their annual tasks, while others have not completed their annual tasks, which is a big gap.
Second, non-performing loans have risen, and the quality of assets needs to be improved. Although we have done a lot of work in preventing and resolving credit risks, we have made great efforts, but due to the heavy burden accumulated in history and the deepening of the work of "three treatments", non-performing loans are gradually exposed.
Third, credit management needs to be further strengthened. Although the management system and the assessment, reward and punishment mechanism are gradually improved, some employees can't implement all the systems in time, accurately and completely, which makes the management efficiency not fully exerted. In the regular credit work inspection, many irregularities are still found. The breadth and depth of inspection and guidance on grass-roots social credit work are not enough, and the investigation report of superior management department is not comprehensive and specific enough.
In view of the above summary, the 20xx annual fund operation will be based on the market demand and its own ability, with expanding the scale of funds to seize market share as the main line, improving the credit workload assessment mechanism, effectively improving financial services, increasing support for agriculture, preventing and resolving financial risks, and striving to improve its own operating efficiency.