Summary refers to the analysis of the experience or situation in a certain stage of work, study or thought, and making written materials with regular conclusions, which can help us summarize our previous thoughts and carry forward our achievements, so we should be prepared for summary. How to write a summary without becoming a mere formality? The following is my annual summary of rural commercial banks for reference only. Welcome to reading.
Annual Summary of Rural Commercial Bank 1 20xx is an extremely important year in the history of Chongqing Rural Commercial Bank. With the successful listing in Hong Kong in 20xx, Chongqing Rural Commercial Bank has made great progress! Looking back on 20xx, as an ordinary member, I have done my job well in my post and fulfilled my work obligations. Now let me sum up the main work of the past year:
First, seriously study the principles and policies of the party and the state in financial work, keep a close eye on their own ideas, and be compliant and dedicated.
The financial industry has always been a high-risk industry; To say that it is high-risk, on the one hand, it is necessary to cope with the impact of various external criminal waves at any time, on the other hand, it also requires us to seriously study the principles and policies of the party and the state in financial work and learn the rules and regulations of bank internal control management; Countless profound experiences and lessons tell us that when we firmly adhere to the system, all kinds of losses will come to an abrupt end! When the system is ignored, the property of the country and the people will suffer unexpected losses! Thanks to the careful study of the rules and regulations, I have been able to correctly exercise the rights entrusted to me by the leaders in the past year. What to do and what not to do, always remind yourself and restrain yourself with the system! Distinguish between public and private in property, and better complete the tasks assigned to me by the leaders; Second, the work is serious and rigorous, and what should be done will never be shirked, and the work will be completed with high quality. The party's years of education tell me that our work is not only responsible for figures, but also for people! Since I started working, I have asked myself this way and tried to do so. I think: as a banker, how to choose between personal interests and social conscience should be self-evident; We can be neither rich nor prosperous, but we must always live up to our conscience! It is this peaceful mentality that enables me to face up to my personal gains and losses, not overcorrect, and do my job well! Third, the service consciousness is enhanced, and the meaning of efficiency is re-recognized from the service. Since the listing of Chongqing Rural Commercial Bank, especially this year, the whole bank has entered a period of great development, and the head office has introduced various measures to strengthen the quality of employees and improve the service level. Through study, what I gained the most was the change in my mind. As counter staff, we are in the front line of customer communication, and our words and deeds represent the image of the whole rural commercial bank. We pay more attention to and understand our customers in exchange for their more trust and support. Deeply aware of the importance of doing a good job in window service, but also enhance the consciousness of consciously standardizing services.
Second, strive to strengthen their own learning, improve the quality of all aspects, and prepare for the new working environment.
As a high-tech industry, banking needs us to constantly enrich, learn and update all aspects of knowledge; From the present situation and trend of the development of the world financial industry, to the characteristics and similarities and differences of various business types between our bank and our brother banks, and to the psychological skills of dealing with people, we need to accumulate, update and explore knowledge with our heart. As an old employee, on the one hand, I "pass on, help and guide" new employees and make up for their work deficiencies with my experience; On the other hand, I want to strengthen the study of new knowledge and technology to keep up with the needs of development, which is also the aspect that 20xx needs to strengthen. 20xx years have passed, and 20xx years are striding towards us! Compared with the requirements of our professional responsibilities, our work is far from enough; It is precisely because the times are changing and the environment is changing that the work of banks is changing from time to time. Every day something new appears and something new happens, which requires me to change with the situation. Learn new knowledge, master new skills, adapt to the changes in the surrounding environment, improve their working ability, train themselves to be a comprehensive employee of rural commercial banks, and better plan their career. Of course, I still have some shortcomings in handling and operating some details. I am determined to carry forward my advantages, overcome my shortcomings, be strict with myself, work hard, improve myself with the guidance and help of my leaders and colleagues, and do my bit for the development of rural commercial banks.
Annual Summary of Rural Commercial Bank 16 On August 6th, Tianshan Rural Commercial Bank, which was established by the merger of former Municipal Association and Midong Association, took the lead in opening its business, which opened the prelude of local financial reform in Xinjiang and sounded the clarion call for the reform and development of local financial institutions in the autonomous region. It has laid a foundation and accumulated experience for comprehensively promoting and improving the local financial service system in Xinjiang. Since its establishment, Tianshan Rural Commercial Bank has set up a special credit department for agriculture, rural areas and farmers to provide services for agriculture-related enterprises in accordance with the requirements of the Company Law and the needs of its own business development. In 20xx, under the correct guidance of the superior supervision department and the correct leadership of the Party Committee and the Retail Banking Department of the Head Office, various businesses of the Ministry of Agriculture, Rural Areas and Farmers have achieved healthy and rapid development. The work of one year is summarized as follows:
First, the "three rural" institutions and basic business situation
Tianshan Rural Commercial Bank has nine "sub-branches" of agricultural loans, covering all administrative regions of Urumqi except urumqi county. Mainly in the form of farmers' joint guarantee, micro-loans, mortgage loans, cooperative guarantees, credit loans and other loans to support local traditional agricultural production activities such as planting and aquaculture, especially in recent years, snow chrysanthemum, medlar and anti-season greenhouse vegetables, quail, rice crab, guinea fowl, mountain rabbit and other special planting. In order to reflect the purpose of Tianshan Rural Commercial Bank, which is based on local economy, clear market positioning, serving "agriculture, rural areas and farmers" and small and medium-sized enterprises, and actively playing the role of financial "main force" in local economic development, a professional organization serving agricultural and pastoral areas-the Agriculture, Rural and Rural Credit Department was established, which mainly undertakes the agriculture-related business of the former Urumqi Associated Press and Midong Associated Press.
By the end of 20xx, the Bank had granted agricultural loans of 3,556,438 yuan+984,300 yuan, loans of agriculture, forestry, animal husbandry and fishery of 65,438 yuan+480,3754 yuan, loans of 65,438 yuan for farmers +0.320065438 yuan +0.665438 million yuan for township enterprises and various organizations.
Second, the "three rural" business development
Since the establishment of the Ministry of Agriculture, Rural Areas and Farmers, it has played its role and advantages. On the one hand, we have found out the specific situation of the current agriculture-related business. On the other hand, through the business system and accounting statements of Tianshan Rural Commercial Bank, the increase and decrease of agricultural loans were accurately grasped. On the other hand, he actively went to grass-roots branches to learn about the basic situation of agricultural loans, talked face to face with farmers, and learned about the actual needs and problems of agricultural products. The second is to fully understand and master all kinds of agricultural loan systems and related business processes of Tianshan Rural Commercial Bank, and use the opportunity of agricultural loan training and learning of the Agricultural Loan Department of the Autonomous Region Association to communicate with colleagues in other regions and learn their good practices and experiences in supporting agriculture. Understand the highlights and specific measures of agricultural business of commercial banks, rural commercial banks and credit cooperatives all over the country through online media. Grasp the relevant policies of national and local agricultural products in time to provide basis for decision-making by leaders at all levels. Third, according to the business development and geographical environment of each branch, combined with the regional economic development, we communicated with the staff of the local village committees and the financial offices in various districts of the bank, actively contacted the village committees and local governments in combination with the business development, and made many field investigations to solve the bottleneck problems of the local agricultural and animal husbandry development.
In 20xx, the agricultural loans of Tianshan Rural Commercial Bank showed an overall growth trend, but the loan balance and number of households in some areas decreased compared with the previous year, mainly reflected in Shayibak District Sub-branch, Shuimogou District Sub-branch and Tianshan District Sub-branch. The main reason for the decline is that the production funds of 104 farmers are solved by the company itself, which reduces the credit demand. However, due to the relocation compensation, it supplemented the capital demand of farmers' production and living, and reduced their dependence on loans, so that no joint guarantee loan was issued in 20xx. Shuimogou District Sub-branch withdrew from the village to build a residence due to the adjustment of administrative divisions. After the merger, several villages are in the new planning practice, and the construction is still in its infancy. The contradiction between risk control and credit demand is more prominent, leading to a decline in increment. Tianshan District Sub-branch is because most farmers and herdsmen in Wulabo Village are engaged in farming, with long cycle, small scale and little loan demand. Agricultural loans in other regions have increased, but due to different production and operation conditions, each region has its own characteristics. Midong Sub-branch is mainly the increase of the number of households and the balance caused by the increase of the cooperative's own demand and the increase of the breeding demand of the cooperative's guarantee shareholders. Xincheng Sub-branch is mainly based on the overall urban planning of "controlling the south and expanding the north" in Urumqi, and the huge benefits of land acquisition and demolition have promoted the increase in the demand for construction funds for residents in the jurisdiction. Although the balance of development zone branches has increased, the total number of households has decreased compared with the previous year. On the one hand, due to the increase in market demand, the scale and cost of farmers' farming have doubled, leading to an increase in loan demand; On the other hand, it is to choose the best among the best, eliminate some farmers with relatively poor credit and reduce the number of farmers. The agricultural loan of Lucaogou Sub-branch is due to the increasing demand for farmers to transfer to transportation after land acquisition. In addition to the daily growth of farmers, Dabancheng Sub-branch issued a loan fund of 28 million yuan to the agriculture-related enterprise Turpan Fengyuan Agricultural Company, making the average household loan in this area reach 55,000 yuan.
Three, "three rural" management problems and measures taken
Post-loan management of agricultural loans is an important part of loan management. Although our bank has done some work in post-loan management, there are still some shortcomings. Midong Sub-branch, due to the limited number of account managers, the number of transactions managed is large and geographically dispersed, involving a wide range, and it is impossible to conduct post-loan inspection and return visit on each loan in strict accordance with the post-loan management system. Although the relevant system inspection contents have been formulated, due to the small number of personnel and the large amount of audit, spot checks can only be carried out quarterly. Two non-performing loans occurred in Tianshan District Sub-branch in 20xx. After communicating with Wulabo Ranch, Ranch paid off two loans. The post-loan management of Dabancheng District and other sub-branches focuses on leaders in charge. Before the loan expires, check the progress of collection every week. Due to the large number of loan farmers, it is impossible to conduct a comprehensive quarterly inspection. Post-loan management is mainly aimed at farmers who owe interest. The leaders in charge of the sub-branch inquire about the family situation of farmers who owe interest on a monthly basis, urge the account manager to do a good job in loan inspection, avoid potential risks, maintain good relations with village leaders, and deal with risky farmers as soon as possible. Judging from the post-loan management of branches, although individual farmers' loans are replayed but neglected, the post-loan management of most agricultural loan branches is relatively good, mainly because the leaders attach great importance to it and take appropriate measures to grasp the potential risks of farmers' loans at the first time, resolve them in the bud and effectively prevent the risks of farmers' loans. Due to the small amount and large number of households, loan management is difficult, but at the same time it has made great contributions to promoting regional economic development and increasing the income of farmers and herdsmen. Therefore, in the future management of farmers' loans, banks should not only strengthen the management in the process of loan issuance, but also attach great importance to the post-loan management of farmers' loans, make overall arrangements, strictly implement the post-loan management system, and do a good job in the post-loan management of agriculture-related loans.
Four, 20xx "three rural" work plan
Farmers' loan is one of the important means for Tianshan Rural Commercial Bank to support rural economic development. At present, the main loan forms are farmers' joint guarantee loans and credit loans. Due to the low amount of credit loans, most farmers mainly rely on joint guarantee loans, which can no longer meet the loan needs of farmers and herdsmen's diversified operations. Therefore, the Ministry of Agriculture, Countryside and Farmers submitted two applications to the Retail Banking Department to develop characteristic agricultural loan products. First, in view of the popularity of farmhouse music around the capital and the financing difficulties of farmhouse music operators in the jurisdiction of the water sub-branch, our department visited the account managers of the water sub-branch several times to investigate the operation of farmhouse music in the jurisdiction, actively communicated with the leaders of the village committees where farmhouse music is located, negotiated with the leaders of relevant departments of the local village government responsible for the development of scenic spots, and proposed a loan application for "farmhouse music" to our department. Second, most of Tianshan Rural Commercial Bank's agricultural loans are mainly in Urumqi, but they have not been fully rolled out in the surrounding Corps areas. The Corps has a large amount of land resources. With the tilt of the national policy of supporting agriculture, the agricultural business of Bingtuan has broad prospects. According to this situation, Liu Cheng, general manager of the Department of Agriculture, Rural Credit and Retail Banking, and Chen Keping, general manager of Hui Ze Agricultural Development Company, conducted a field survey on the current financial services of the Corps. We communicated with local farm leaders to learn about local production and operation and the development of agriculture-related enterprises. At the same time, we fully exchanged the possibility of cooperation between our bank and farm business. After reporting to the competent leaders and department leaders, we submitted an application to the retail banking department of the head office to develop agricultural, industrial and commercial loans for the Corps. The above two applications are being examined and approved according to procedures.
In 20xx, Tianshan Rural Commercial Bank will uphold the tradition of supporting agriculture, fulfill its social responsibility for supporting agriculture, and actively and orderly issue loans for supporting agriculture in combination with the characteristics of various agricultural areas, making new contributions to supporting regional economic development and increasing farmers' income.
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