According to the spirit of the document "Implementation Plan for On-the-spot Inspection of Financial Accounting Work of xx Rural Credit Cooperatives" and the principle of seeking truth from facts, our company has made a serious self-inspection of financial accounting work, and now the self-inspection situation is reported as follows: 1. Implementation of accounting internal control system.
In the work, strictly implement the financial work rules, improve the quality of financial work in an all-round way, clarify the responsibilities of each post, separate and restrict each other, and clarify responsibilities and prevent fraud. Do money account in charge, double counting, and complete handover procedures.
Two. Management of cash, important blank vouchers and valuable documents
Our company has been strengthening cash management and implementing internal supervision, and there is no discrepancy in the accounts; Incorporate important blank vouchers and valuable documents into the comprehensive business system management, and establish a manual register to ensure that the accounts are consistent with the facts.
Third, about the accounting situation.
In financial accounting, strict business process management and strict financial examination and approval system ensure the correctness and legitimacy of accounting data. However, there are some shortcomings in the reconciliation work, and some corporate depositors' statements cannot be recovered in time, which has a certain impact on the reconciliation work.
4. Accounting for deposit and loan business.
The deposit business can be operated in accordance with the relevant provisions of the Accounting Law. In the loan business, the responsibilities and authorities of the bookkeeper, the approver and the manager are clearly defined, the loan procedures are in compliance, and the interest rate is correct.
Verb (abbreviation of verb) is about payment calculation and inter-bank transaction.
In this regard, the agency has no arbitrary ticket-pressing phenomenon, the inter-bank transactions are reconciled according to regulations, and separation restrictions are set for business posts.
Six, about the management of loss reporting business
Generally speaking, the loss reporting business of our agency only includes the loss reporting of vouchers and passwords, and the loss reporting procedures are complete, and there is no virtual loss reporting phenomenon.
Seven, about financial management
In the process of financial management, the institution strictly follows the provisions of the Accounting Law, sets up accounting books according to law, and ensures their truthfulness and completeness, and conducts accounting and registers accounting books according to actual business events. Strictly implement the relevant national financial laws and regulations, all business matters are registered and accounted in the accounting books set up according to law, and the accounting is carried out in accordance with the provisions of the unified national accounting system to ensure the authenticity and validity of the data.
In terms of operating expenses, our agency clearly defines the expenses and expenditure standards, abides by the expenses examination and approval procedures, and puts an end to waste. In order to strengthen the management and use of fixed assets, when purchasing fixed assets, the procurement shall be carried out in strict accordance with the procedures stipulated by the Associated Press, and a system for checking accounts, funds and materials shall be established according to relevant regulations. Deferred assets are amortized in installments according to regulations.
Eight, about the management of accounting files
Our organization arranges and binds accounting data according to regulations, and the binding is timely, complete and compliant.
IX. About Equity Management
Our company's capital stock accounting management is not standardized, and the total score is inconsistent. The balance of ledger is less than that of general ledger.
Article 2 Self-inspection report of credit cooperatives
Thoroughly implement the Scientific Outlook on Development and put the creation of civilized units in an important position. Adhere to the creation of civilization window as a foothold, carefully organize and implement the work plan of civilization creation, and deploy civilization creation in parallel with business development, forming a good situation in which business development promotes civilization creation and civilization creation promotes business development. By the end of September of 20xx, the balance of deposits in Hongzhou Credit Cooperative was 1, 28 1, and the balance of loans was 80.05 million yuan. Twenty credit villages have been established, and the acceptance of the acceptance team for establishing credit towns in provinces and townships is being welcomed. In order to promote the creation of civilization in a solid and effective way, Hongzhou Credit Cooperative mainly implemented the "five modernizations" in the specific practice process, which promoted the smooth realization of the creation goal. First, the normalization of civilization creation.
Hongzhou Credit Cooperative has always regarded the creation of civilized units as an effective carrier to enhance the image of rural credit cooperatives and promote business development, attached great importance to the creation work, put the creation of civilized units at the county level on the important agenda, set up a leading group for the creation of civilized units headed by the director of credit cooperatives, and formulated the Implementation Plan for the Creation of Civilized Units and the Construction of Spiritual Civilization in Hongzhou Credit Cooperative, as well as five-year plans and annual plans. In the work, all the staff of the Town Credit Cooperatives are United and cooperative, with excellent work style, constantly strengthening the study of political theory, striving to practice Theory of Three Represents Theory and Scientific Outlook on Development, always adhering to the purpose of serving the people wholeheartedly, and constantly strengthening the construction of cadres, which has played a demonstration and leading role in the founding activities.
Second, the deepening of civilization creation.
Hongzhou Credit Cooperative has changed from "self-centered" to "customer-centered". Focus on the hot and difficult issues strongly reflected by the masses and customers, and strive to solve the problems strongly reflected by the masses. A reception room was specially set up, and an eye-catching leadership reception notice board was set up at the door of the unit. During working hours, it is necessary to ensure that a staff member is on-the-job reception, and all kinds of files about reception work have been improved. The head of the town credit cooperative will hold a public reception once a week to personally receive key and difficult issues. Listen to the voice of customers, solve the problems raised by customers in time according to their opinions and suggestions, and take customer satisfaction as the basic measure of inspection work. Effectively improve the retention rate and growth rate of our customers.
Third, the standardization of network services.
First, establish a standardized image of business outlets, implement "smile" service, and shape the image of first-class modern financial boutique outlets. Town credit cooperatives strictly implement the environmental sanitation system, make the internal and external environment clean and tidy, eradicate the phenomenon of dirty, chaotic and poor, and do a good job of beautification and lighting to create a good working and living environment for employees; Second, farmers' files, loans and repayment information are fully electronic and systematically managed. When making a loan, farmers can borrow money within their own credit line at any time just by showing their ID cards and "cash cow" cards, thus truly realizing counter lending. And it takes no more than 10 minute to handle a loan and no more than 1 minute to return a loan, which effectively improves the work efficiency and mass satisfaction of Hongzhou Credit Cooperative, promotes the rapid development of business, and makes the deposits and loans of Hongzhou Credit Cooperative grow steadily; Third, Hongzhou Credit Cooperative has made a "mirror" and "brand", accepted the supervision of the majority of farmers, and hung a "credit cooperative service supervision card" at the entrance of the village or in the village gathering area. The service supervision card has the photos, contact numbers and supervision numbers of the director of the credit union, the loan officer and the liaison officer supporting agriculture, which standardizes the service requirements and standards and unifies the dress and civilized language of the counter service personnel. Encourage employees to implement civilized and high-quality services to every detail of their work, build a high-quality service brand of rural credit cooperatives, and enhance the visibility and influence of rural credit cooperatives.
Fourth, the standardization of civilized services.
First, the implementation of the first office responsibility system, the person in charge of the first office is responsible for business or consultation, and is responsible for the whole service; The second is to implement a one-time notification system to inform and explain all inquiries and questions raised by customers, so as not to let customers go astray; The third is to implement the settlement system to reduce the waiting time of customers; The fourth is to implement the service system. Open the credit policy, loan conditions and operating procedures, simplify the loan procedures and realize the "sunshine" operation. All staff members should dress neatly and dignified, and implement listing service, smiling service and standing service; Fifth, promote language civilization, starting with the use of civilized language in telephone answering, counter service and marketing service, and comprehensively promote civilized language; Sixth, advocate civilized behavior, and all business personnel should wear clothes and put on their posts, so as to put an end to the phenomenon of "the door is difficult to enter, the face is ugly, the words are ugly, and things are difficult to handle"; Seventh, actively guide, strengthen the study of political theory, improve the ideological understanding of all employees, conduct regular training and conduct regular case warning education; Eighth, ensure business hours, do not close the door at noon, and ensure timely and accurate payment and settlement; Nine is to keep credit, abide by rules, safeguard the legitimate rights and interests of customers, and strictly observe business secrets.
Verb (abbreviation of verb) institutionalized supervision and inspection
In order to effectively promote and implement the goal of establishing civilized units, Hongzhou Credit Cooperative has set up a supervision and inspection team to supervise and inspect all employees. The main forms of inspection include internal inspection, external inspection and surprise inspection. The inspection focuses on service attitude, service quality, service efficiency, service discipline, service etiquette and service environment. Take timely measures to rectify the problems found. Every employee in the whole society has made a written statement according to his post characteristics, informing the public to accept public supervision in order to strengthen and improve service awareness. At the same time, Hongzhou Credit Cooperative has set up a suggestion box and a suggestion book, requiring customers to feedback their service needs and problems in the shortest time, and implement the responsibility system of first inquiry to ensure smooth customer service processing channels.
Article 3 Self-inspection report of credit cooperatives
In order to conscientiously implement the spirit of the Seventh Plenary Session of the xx Congress of the Central Commission for Discipline Inspection and the Second Plenary Session of the Eighth Commission for Discipline Inspection of the Autonomous Region, and ensure the rapid and steady development of various businesses of Xinjiang Rural Credit Cooperatives, according to the arrangement of the working meeting of Xinjiang Rural Credit Cooperatives, I will start a centralized action in May this year for the purpose of enhancing the image of the association, aiming at rectifying discipline and educating all employees. "Sunshine Credit", which focuses on credit post personnel, has purged popular professional ethics education activities. Through this activity, I checked myself, and now the report is as follows: 1 As a department manager, I can actively study credit business and related knowledge in my usual work, and I am familiar with the knowledge in the industry, but I still don't work hard enough. Always follow some previous experience, can not meet the knowledge needs of individuals and work.
Second, ideologically: as a middle-level cadre, I attach great importance to the development of this "sunshine credit" activity, and I know the importance of this work and dare not slack off. I deeply realized that the development of "Sunshine Credit" not only effectively enhanced our social reputation, further narrowed the relationship with farmers, shortened the time and improved the efficiency of lending, but also implemented "Sunshine Operation", which placed the credit work under the supervision of society and customers and prevented moral hazard from the source.
Thirdly, in terms of credit management: since I was appointed as the department manager, I have been able to keep a clear head, and strive to improve and make no mistakes when investigating and reviewing the procedures for solving difficulties, so as to ensure that the procedures are true and legal. However, in the post-loan inspection, there is a certain inertia, and a small number of file information is imperfect. For some small loans with a quota of several thousand yuan, it is always one-sided to think that the procedures are in compliance, and one-sided to trust the guarantor without more detailed investigation. This problem will be improved as the focus of future work, so as to eliminate violations and reduce the risk of solving difficulties.
Iv. implementation of internal control system: over the years, we have always adhered to rules and regulations and strived to implement various rules and regulations. However, there are still loopholes in some details, and there are no business violations such as intercepting difficult principal and interest and hanging interest without authorization; There is no imaginary expenditure, just set up a small vault; There are no unauthorized fines or arbitrary charges.
5. Work style: I am conscientious in my work. I have never used my authority to ask for or accept other people's property, nor have I done business or invested in enterprises, nor have I encroached on collective property, nor have I participated in illegal activities such as gambling and drugs. I have always maintained the glorious image of credit union employees. Eating out at noon on weekdays is one of the effective ways to prevent credit officers from working normally in the afternoon after drinking at noon and to prohibit the behavior of bringing cards. However, there are still a few times when drinking with friends at noon, which affects my office in the afternoon. In the future work, we must put an end to this phenomenon, and ask leaders and colleagues to supervise.
It is very necessary to carry out this work, which makes me fully realize that working in a credit cooperative is a great responsibility. If I want to do a good job in credit cooperatives, I must always keep a clear head, work hard and be honest. Any illegal act is irresponsible to the collective and oneself. Through this compliance work and this analysis of personal problems, my thoughts have been baptized and purified.
Article 4 Self-inspection report of credit cooperatives
According to the relevant requirements of the self-inspection of the new loan investment of the county association, our agency conducted a self-inspection of the new loan investment in time, and now the self-inspection situation is reported as follows: 1. A self-inspection team was set up to convey the inspection plan.
The Bank has set up a new loan self-inspection leading group, with Director Liu X as the leader and Deputy Director Liu X as the members. Seriously study the new loan inspection plan and organize a special person to be responsible.
Second, seriously self-examine and truly reflect.
1. By August 28th, X year, the whole society had increased loans by xx billion yuan, including small loans for farmers, loans for small and medium-sized enterprises, loans for production and consumption by automobile mortgage and other individuals.
2. 1-8 months, there were only 1 new loans with a single loan exceeding 5 million yuan, which was a loan of 8 million yuan issued by xxx Co., Ltd. on xx, xx, with a term of 1 year. The loan method is mortgage, and the loan purpose is to buy steel, which is in line with its production and business scope.
3. All new loans of our agency, except for small loans of farmers, are operated in accordance with the requirements of "three methods and one guideline", and are paid independently or by entrustment according to the purpose of funds provided by the borrower, and the borrower's loan purpose is consistent with its production, operation or consumption scope.
4. At the beginning of the year, strictly control the credit rating of enterprises with "two highs and one surplus" and backward production capacity. So far, we don't have credit rating enterprises in "two highs and one surplus" and backward production capacity industries.
III. Future Work Plan
The results of the self-inspection of new loans did not find that they flowed to "two high and one surplus" and backward production capacity industries. However, our agency still requires the whole society to strictly implement the "three methods and one guide" and other relevant regulations when handling loans in the future, and timely flow credit funds to small and medium-sized enterprises, agriculture, rural areas and people's livelihood economy to ensure the smooth implementation of a prudent monetary policy.