In 20 14, under the correct leadership and scientific decision of the Party Committee of the Head Office, the Credit Management Department of XX Bank conscientiously implemented the national macroeconomic and financial policies and the new loan regulations of the China Banking Regulatory Commission, with scientific development as the theme, serving the county economy as the main line, improving asset quality as the core, improving the credit system as the basis, strengthening credit inspection as the focus, and focusing on "three rectifications" and "special rectification of credit asset quality".
I. Asset business operation
(1) Increment of various loans. The balance of various loans at the end of the year was 365,438+00,765,438+06,000 yuan, an increase of 646,5438+00,000 yuan compared with the beginning of the year, with a growth rate of 25.99%, accounting for 43% of the existing loans and 47% of the loan increment of Fengcheng banking financial institutions respectively, and 65,438+of the annual net increase plan was completed. Among them: 65,438+0, the balance of agricultural loans at the end of the year was 65,438+0,235,400 yuan, accounting for 39.76% of the total loans, an increase of 54.2 million yuan compared with the beginning of the year; 2. The balance of rural industrial and commercial loans at the end of the year was 6.5438+0.26, 5.65438+0.60 million yuan, accounting for 40.72% of the total loans, an increase of 244.25 million yuan compared with the beginning of the year, of which: agricultural and sideline products deep processing enterprises increased by 69.62 million yuan, manufacturing and processing enterprises increased by 96.5438+0.65 million yuan, and underground resources development enterprises increased by 588 million yuan.
(2) the accumulation of various loans. The accumulated loans were 6,352.99 million yuan, an increase of 2,876.96 million yuan over the previous year. Of which: 65,438+0, and the accumulated amount of agricultural loans was 65,438+0,580,850 yuan, an increase of 99.5 million yuan over the previous year; 2. The accumulated amount of rural industrial and commercial loans was1520.62 million yuan, an increase of1709.2 million yuan over the previous year; 3. The accumulated amount of other loans was RMB32,565,438+RMB52,000, an increase of RMB2,606,540 over the previous year.
(3) Accumulated collection of various loans. The accumulated loan amount was 5,688.34 million yuan, an increase of 2,728.35 million yuan over the previous year. Of which: 65,438+0, with agricultural loans of 65,438+0,503,080,000 yuan, an increase of 88,465,438+0,000 yuan over the previous year; 2. The accumulated amount of rural industrial and commercial loans was1276.29 million yuan, an increase of 375.32 million yuan over the previous year; 3. The accumulated amount of other loans was 2,908.97 million yuan, an increase of 2,264.62 million yuan over the previous year.
(4) Recover the due loan. The total amount of loans due in the whole year was 5,702,654,38+0,654,38+0,000 yuan, and 5,688 340 yuan was recovered. Due to unforeseeable reasons such as natural disasters and man-made disasters, there are still 65,438+0,377,000 yuan of loans that cannot be recovered in time, and the recovery rate of mature loans is 99.75%, an increase of 2.45 percentage points over the previous year.
(5) Small business loans. Loans to small enterprises increased by 586.8 million yuan during the year, with a growth rate of 46.37%, an increase of155.54 million yuan year-on-year, achieving the goal of "two no less than", that is, the growth rate of that year was not lower than that of the previous year, and the growth rate was not lower than the average growth rate of all loans.
(6) Loan interest income information. The annual loan interest income was 260.34 million yuan, accounting for 65.438+0.20.438+0.3% of the annual interest income plan, 59.95 million yuan more than the previous year. Among them, the discounted income was 34.89 million yuan, an increase of 27.55 million yuan over the previous year.
(seven) the collection of overdue loans in normal loans. The year-end balance of overdue loans in normal loans was 7.96 million yuan, accounting for 0.26% of the total loans, which was 426 1 10,000 yuan and 1.79 percentage points lower than that at the beginning of the year. Among them, the year-end balance of loans overdue for more than 90 days in normal loans is zero.
(eight) to investigate and collect loans under false names. 2 124 loans were investigated under the jurisdiction of * * *, with an amount of 76.53 million yuan. No forged loans were found, and the investigation rate was100%. 526 conversion transactions have been received, with an amount of 6.5438+0.7830 million yuan; At the end of the year, there were 65,438+0,598 loans with a balance of 58.7 million yuan, accounting for 65,438+0.89% of the total loans.
Second, the work measures and results
(A) improve the system, so that there are rules to follow.
In order to prevent and control loan risks, strengthen credit management, and adapt to the objective needs of the new situation and new tasks, our department has taken the opportunity of "three rectifications" and "special rectification of credit asset quality" and combined with the actual credit work of the whole bank, successively issued "Operating Rules and Management Measures for Credit Files", "Operating Rules and Punishment Measures for Rural Industrial and Commercial Mortgaged Guaranteed Loans", "Operating Rules and Punishment Measures for Farmers and Natural Persons to Guarantee Guaranteed Loans" and ". Supplementary Provisions on the Management of Guaranteed Loans, Responsibilities of Lending Posts, Responsibilities of Loan Paying Posts, Responsibilities of Bill Center, Operational Flow of Bill Discounting Business, Interim Provisions on the Management of Maturity Loans and Non-performing Credit Assets, Operating Rules and Punishment Measures for Equity Pledged Loans, Work Plan for Special Remediation of Credit Assets, Implementation Plan for Special Remediation of Borrowing Loans and Impersonating Loans, and Risk Investigation of Mortgaged Loans In accordance with the requirements of the "Six Mechanisms" of the China Banking Regulatory Commission, the Ministry has also implemented separate assessment and incentive management for the credit business of small enterprises, taking the number of customers, business volume, asset quality and credit income as the main indicators for assessing the performance of account managers, and at the same time, established due diligence pre-loan investigation, post-loan inspection, accountability and exemption systems, effectively standardizing the post responsibilities and conduct of account managers in small enterprises.
(2) Strict management to ensure the quality of assets.
1, strictly check the loan. First, carefully review the legality, compliance, authenticity, integrity, effectiveness, consistency and rationality of loan application materials, fully identify customer and business risks, promptly give risk tips to major potential risks found, and communicate credit risk information of relevant customers. Second, strictly implement the national credit policy, keep pressure on loans to the real estate industry, and do not support industries restricted by the state and projects with high consumption and low efficiency.
2. Supervise post-loan management. First, for new large loans, our department will send special personnel to conduct on-the-spot re-investigation and re-underwriting one by one, and conduct post-loan follow-up inspection from house to house, so as to find, analyze and solve existing problems in time and nip the risks in the bud. Second, for key enterprises and project loans, our department appoints special personnel to conduct regular investigation and analysis, grasp the business quality of enterprises in time, and provide scientific basis for credit decision-making.
3. Strengthen inspection. First, make a credit inspection plan, strengthen on-site inspection, check with a manuscript, signed by the on-site inspector and the person in charge of the inspected unit, with a penalty opinion, a circular issued by the head office, a rectification report from the branch, and a review, and severely punish those who have problems in repeated inspections. Second, conduct a comprehensive inspection of the stock and incremental loans of key branches of 14, deal with the problems found seriously, and give financial penalties to complete the rectification within a time limit. The third is to use the credit management system for off-site monitoring, early warning of various credit risks, timely reporting the problems found in the monitoring to the competent leaders and conveying them to the on-site inspectors, and tracking and recording the problematic businesses until the problems are completely solved. The third is to intensify the investigation and punishment of illegal loans and never tolerate them, effectively curbing the occurrence of illegal loans such as cross-regional, ultra-authority, borrowing names and misappropriation.
4. Implement strict accountability. One is to implement a monthly assessment and punishment system for overdue loans, which not only assesses the recovery of loans due in the current month, but also assesses the recovery of accumulated loans due in the current year. For the newly formed overdue loans that have not been recovered within one month, 50 yuan, the loan officer, 30 yuan, the vice president of the branch in charge of credit, and 20 yuan, the president of the branch, will be fined each time. Second, strict accountability was imposed, and 28 persons responsible for loans overdue and other problems caused by violations were severely dealt with. Among them, 27 people are responsible for collecting on-the-job positions, and only living expenses are paid every month. 1 person terminates the labor contract.
5. Do other work well. First, monitor, warn, clean up and supervise the loans that are overdue for more than 90 days, due and interest arrears in normal loans. Second, take measures such as branch-to-branch, cash collection and loan restructuring to coordinate and urge branches to do a good job in the investigation, collection and resolution of borrowed and fake loans. Third, do a good job in analyzing the quality changes and risk status of credit assets within the jurisdiction, monitor and investigate the risks of large loans and sudden credit, collect information of major customers and temporarily determined special monitoring customers, and form comprehensive analysis reports on a regular basis. Fourth, do a good job in the daily maintenance and management of credit management system, personal credit information system and enterprise credit information system to provide good information guarantee for preventing credit risks. Fifth, guide branches to do a good job in five-level classification of credit assets, dynamically adjust existing loans, and scientifically reflect potential risks.
(3) Restructuring to support small businesses.
Our department regards supporting small enterprises as the strategic choice for the development of the whole bank, takes deepening financing services as the main line, takes optimizing the operating structure as the guidance, makes great efforts to innovate mechanisms and increase vitality, vigorously promotes work, deeply supports development, provides extensive services to customers, and promotes the sound and rapid development of small enterprises. First, according to the "small, frequent and fast" business model of small enterprises, three categories of products are formed in product innovation: basic financing products, cluster service solutions and characteristic value-added services, and a relatively independent marketing and risk management and control system is formed through professional institutions+full-time teams+special processes. Second, according to the characteristics of county economic resources, subdivide the target market and target customers, and support small enterprises to create brands, expand markets and increase efficiency. With the support of our bank's loan of 6 million yuan, the leading products of XXXX Food Co., Ltd. "XXX" brand quick-frozen strawberries, quick-frozen peaches and quick-frozen chestnuts won the green food mark certificate issued by China Green Food Development Center. Last year, our bank granted loans of19.4 million yuan to eight agricultural machinery manufacturing enterprises such as XX Dacheng Machinery Co., Ltd. ... With our strong support, there are more than 50 agricultural machinery manufacturing enterprises in XX, of which 17 enterprises have entered the national agricultural machinery purchase subsidy list, ranking first in the province. The total power of agricultural machinery has reached 510.76 million kilowatts, and the number of machinery has reached10.8 million. Mechanized farming covers an area of 750,000 mu, accounting for 78% of the total cultivated land.
(4) Keep in mind the purpose and increase support for agriculture.
First, firmly establish the purpose of serving "agriculture, countryside and farmers", build farmers' economic files, do a good job in the credit rating of farmers' loans, and give priority to ensuring farmers' capital needs for spring ploughing. The whole bank * * * filed 1 13879 households and issued 44880 loan vouchers to farmers. The balance of farmers' loans has reached1235.54 million yuan, an increase of 54.28 million yuan over the beginning of the year; A total of 15,106,000 yuan was invested in spring ploughing loans, which was 100.75438+0% of the annual plan, to ensure that farmers' loans did not miss the farming season. The second is to select the right entry point, build a service brand, meet the needs of different levels and types of farmers, and improve the coverage of credit support for agriculture. Comrade XXX, the loan officer of XX Sub-branch, won the trust of farmers' friends with sincere, warm and thoughtful service, and made outstanding contributions to realizing the win-win goal of enriching farmers and prospering banks. He was awarded "Advanced Individual Supporting Agriculture with Credit" by China Banking Regulatory Commission and China Banking Association. The third is to guide agriculture-related enterprises to take the new development path of "company+base+farmers", ensure farmers' income increase and accelerate the process of building a new countryside. XXXX Animal Husbandry Co., Ltd. is the "leading" enterprise in the processing and packaging of agricultural products in XX city. With the strong support of our bank's loan of 6.5438+0.8 million yuan, the company has built 20 standardized and large-scale farms, and the product variety has increased to 22, and the production scale has increased to 6.5438+0.8 million tons. In that year, the sales revenue was 80 million yuan and the profit was 8 million yuan. The company has also established 20 specialized cooperatives for livestock and poultry breeding in XX city, and developed more than 3,000 farmers, which can solve the employment of 800 local rural surplus laborers. This alone can increase the per capita annual income by more than 6,543,800 yuan. 20 1 1, XX realized a grain output of 220,000 tons, up 25.7% year-on-year; The per capita income of farmers reached 9602 yuan, a year-on-year increase of 17%.
(5) Improve efficiency and expand service connotation.
Our department adheres to the tenet of customer-centered, market-oriented and efficiency-oriented, and tries every means to open up convenient channels, enhance service functions and improve work efficiency. First, strengthen organizational leadership, daily management and market research, improve the rating and credit system, improve the efficiency of loan approval, and create a relaxed credit environment. Comrades XXX and XX of our department independently innovated and developed a new credit review management system. The system can automatically generate review forms, voting forms, approval opinions, review reports, meeting minutes and other related credit review materials, which not only saves manpower, financial resources and material resources, but also improves the efficiency of loan review to the greatest extent, and is well received by customers. The second is to speed up the modernization of financial services and provide enterprises with fast, convenient and safe modern financial services relying on the advantages of science and technology and settlement. The bank has set up ATMs in various business outlets, which provides convenience for all kinds of customers in urban and rural areas. Third, as the only banking institution in XX that issues financial subsidies for benefiting farmers as an agent, the bank has set up 24 special counter windows in its urban and rural outlets, ensuring the timely implementation of national and local government policies for benefiting farmers.
(VI) The internal and external impacts of improving the financing environment.
1, improve the communication mechanism. Our department actively communicates with the People's Bank of China, regulatory authorities and local governments, constantly seeking shortcuts to establish information communication and resource sharing platforms, as well as solutions to problems such as asymmetric information exchange and poor financing channels, striving for the best combination of banks and enterprises, farmers and individual industrial and commercial households, and doing everything possible to resolve the contradiction between difficult and expensive loans.
2. Perform coordination duties. First, give full play to the role of "uploading and issuing", obtain various policy information from various channels, convey the spirit of superior documents to branches in time, and ensure that credit policies are in place; Second, seriously carry out investigation and study, understand customers' production, operation and financing needs, collect and feedback customers' opinions and suggestions, and ensure that the credit work under the jurisdiction is carried out in a targeted manner.
3. Carry out credit information publicity. In response to the "20 14 Special Publicity Month for Credit Information" organized by the head office of the People's Bank of China, our department adhered to the publicity principle of "having momentum, characteristics and effectiveness" and closely followed the publicity theme of "cherishing credit records and enjoying a better life", and organized and carried out various publicity activities for credit information throughout the jurisdiction, which received good social effects. At the beginning of September, our department coordinated and guided 22 sub-branches to go deep into the fields, publicized credit information to farmers on the spot, posted credit information leaflets in the public columns of key administrative villages, and tried every means to send credit information to thousands of households, effectively improving the awareness of social credit information. In early September, the Ministry and branches jointly visited the enterprises under their jurisdiction and had a discussion with the responsible persons of the enterprises to publicize the positive role of the credit information system in the construction of small and medium-sized enterprises and rural credit systems. On September 19, our department held a "rural stage" with local Manchu characteristics in XX town, and launched a publicity campaign to introduce credit information knowledge into the countryside. The host explained the knowledge of credit investigation, sang and danced, and performed duets alternately, which received the effect of entertaining and entertaining, and was promoted by the XX branch of the People's Bank of China in the form of official documents and was notified of praise.
4. Promote the construction of integrity. According to the idea of "overall arrangement, speeding up the progress and ensuring the actual effect", our department reported the situation to the local party committee and government in time in view of the regional economic characteristics of local individual industrial and commercial households, in order to win attention and support, and directly contacted individual associations in XX City to coordinate and solve the problems encountered in the work, forming a joint force of credit services for ten-star civilized and honest individual industrial and commercial households. By the end of 1 1, the bank had completed the docking work with XX 20 "ten-star honest and civilized individual industrial and commercial households", including: 3 loans with a total loan balance of 4.53 million yuan; Loans in other banks 1 account, loan balance 1 ten thousand yuan; For 5 households with loan demand, the estimated loan increment is10.005 million yuan; 1 1 Households with no loan demand for the time being. In addition, our department also coordinated and guided all branches to actively participate in the selection of "ten-star" civilized households in rural areas, and * * identified civilized households 1.349 households that met the loan conditions, including: 203 households with loans from our bank, with a total loan balance of 1.502 million yuan; Loans from other banks 16 households, with a loan balance of 3 1 10,000 yuan; For 147 households with loan demand, it is estimated that the new loan will be 9.6 million yuan; 983 households with no loan demand for the time being.
(seven) to strengthen training and improve the quality of the team.
According to the risk status of credit assets of the whole bank, and taking the opportunity of the "year of compliance culture construction" activity and the special rectification of credit assets, our department put the introduction of people-oriented concept, strengthened the training of credit management and risk prevention and control skills, and standardized the operation behavior of loan process on the important agenda, and formulated the 20 14 annual credit training plan. Take measures such as "combining centralized training with meetings instead of training", "combining regular learning with exchange of experience" and "combining on-site guidance with skill assessment" to pay close attention to the implementation of credit training and comprehensively improve the overall quality of credit teams.
1, do basic business training. In mid-February, our department held a learning meeting on credit files in the whole jurisdiction, in which the vice presidents in charge of credit and some credit business backbones of all branches attended, made it clear that the credit files of branches were managed by the vice presidents in charge of credit, and issued the Operating Rules and Management Measures for Credit Files, which laid a good foundation for the gradual standardization of credit file management of all branches. At the beginning of April, our department held a whole-jurisdiction credit investigation class attended by credit investigation personnel of all branches, which further standardized the operation of the credit investigation system and provided a good information guarantee for preventing credit risks.
2. Pay attention to the whole jurisdiction credit training. In early and mid-July, I held a training course for credit personnel in the whole jurisdiction in two phases. All the staff of the Credit Management Department and Compliance Risk Management Department and 65,438+040 people in charge of credit in branches participated in the training, and systematically taught credit file management, loan operation process and management, common sense and report of loan system, loan risk management and legal knowledge. At the end of the training course, a closed-book examination was conducted on the training content, with the highest score of 94, the lowest score of 73, and the average score of 84.26. The passing rate was 100%, among which 18 scored above 90. The number and scope of participants in these two training courses for loan officers are unprecedented in our history. Not only the leaders attach great importance to it and are fully prepared, but also the teaching methods are innovative and the learning atmosphere is good. Credit personnel in the whole jurisdiction have learned new loan regulations, changed their concepts, improved their professional quality, and prevented and controlled credit risks, which has benefited a lot.
3. Strengthen the discount business training. 165438+1at the beginning of October, under the leadership of the vice president of the branch in charge, our department organized the director of bill center, loan officers and relevant accountants and bookkeepers to participate in the training course on bill discount business held by XX Municipal Office, and systematically learned the knowledge of system operation, accounting treatment, precautions and risk prevention of bill discount transfer business, in order to improve the professional quality of bill discount practitioners and promote bill discount business.
Third, the existing problems and reasons
(A) there are weak links in credit management. From April 1 1 to May 18, XX Municipal Office conducted a spot check on overdue loans of seven branches of the bank, and found that the elements, contents and procedures of credit files were incomplete, the loan forms were not adjusted in time as required, false mortgage loans were made, loans were issued beyond the validity period of examination and approval, top loans, cross-regional loans and loans were misappropriated. During the on-site and off-site inspections organized by our department, it was found that some branches still had problems such as missing files, incomplete elements and inconsistent relevant figures. One of the reasons for the above problems is that individual branch leaders have more than enough management; Second, individual credit officers are not careful in their work, and the pre-loan investigation is just a formality, and the post-loan inspection is not in place. They stick to the setting of collateral and ignore the timely tracking and monitoring of dynamic information such as customers' production, sales and benefits.
(B) The external credit environment is not ideal. First, due to the adjustment of industrial policies, in recent years, the state has stepped up efforts to rectify small and medium-sized mines, which led to the closure of most small and medium-sized mines in fengcheng city. After the mine operated by the loan was closed, it could not be converted to production, and the compensation for small mines was artificially transferred. Second, due to the local government's failure to honor the policy in time, some borrowers misunderstand and neither pay interest nor repay the principal. Moreover, influenced by these people, other borrowers do not repay loans, forming a bad atmosphere. Due to these two reasons, to a great extent, the bank's due loan recovery work has run aground.
(3) The loan space needs to be broadened. Due to historical reasons, our current credit business has not yet reached the level of fully meeting customer needs. Housing credit business is still in its infancy. The cooperation business with the guarantee company has only reached an intention and has not been officially launched. Auto mortgage and other businesses are still in the exploratory stage.
Their own work is still not enough. First, we don't fully understand the spirit of the instructions of the superior leaders; Second, our punishment for the problem is not enough; Third, we usually do not give professional guidance to loan officers; Fourth, the concept of organs serving the grassroots needs to be further strengthened.
Four. Work arrangement of 20 15
(1) Various credit plans. First, the loan plan increased by 500 million yuan, and second, the planned loan income was 23 1.86 million yuan.
(2) Main work measures. First, adhere to the people-oriented principle, improve the credit management system, and ensure that the credit work has rules to follow. The second is to check loans, supervise post-loan management, and prevent and control loan risks from the source. Third, strengthen inspection, monitoring and early warning, promptly give risk warnings, urge the implementation of rectification, and ensure the quality and safety of credit assets. Fourth, do a good job in training and preparation to ensure the formal operation of the front, middle and back office management mode of credit business. The fifth is to establish the concept of keeping pace with the times, try innovative measures in many ways, and do everything possible to seek new profit growth points. Sixth, earnestly perform their duties, clarify the investment priorities, and create a harmonious financial ecological environment. Seventh, strengthen on-the-job training, implement the development strategy of rejuvenating the bank with talents, and improve the overall quality of the credit team.
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