In order to truly reflect the quality of the Bank's credit assets, further enhance the awareness of compliance, improve the ability of credit compliance enforcement, and accurately grasp the market risks, according to the spirit of the document "Emergency Notice on Conducting Credit Risk Investigation" issued by the Provincial Credit Union (New Rural Credit Office 194), the leaders of the Union attached great importance to it, actively organized and promoted it, and dispatched more than 40 people to form a 12 working group to work overtime.

I. Basic information

As of July 3 1 day, xxx, the balance of various loans of our agency was1196.03 million yuan, with 30 123 transactions, including normal loans1189.22 million yuan and 29,977 transactions. Divided by loan method: the number of micro-credit loans 18570, with an amount of 458.57 million yuan; The number of co-guarantee loans for farmers is 9.431,with an amount of 26 1, 1.4 million yuan; 65,438+0,986 secured loans with an amount of 324.56 million yuan; It has reached 136 transactions with the amount of 1.5 1.76 million yuan. Divided by loan amount: loans below 28914,654.38 million yuan (inclusive), with an amount of 765.02 million yuan; 1043 loan 1043 yuan to 300,000 yuan, with an amount of 212.09 million yuan; 72 loans of 300,000-500,000 yuan, with an amount of 32.33 million yuan; There are 94 loans of more than 500,000 yuan, with an amount of 6,543,800 yuan+0,865,900 yuan.

Two. Development of loan risk investigation

According to the spirit of the credit risk investigation document of the provincial credit union, Changsha, the director of the credit union, first conveyed the spirit of the meeting in time and did a good job in propaganda and mobilization. Through publicity and mobilization, employees learned about the principles, scope, activities and requirements of credit risk investigation, which created a positive atmosphere for the smooth investigation. Second, a leading group for loan risk investigation of county cooperatives was established, and an implementation plan for loan risk investigation of county cooperatives was formulated. The third is to determine the personnel and vehicles, and deploy more than 40 employees from affiliated institutions and grass-roots institutions to form three inspection teams, 12 inspection team, to make overall arrangements for this work. Fourth, the loan risk investigation work plan, work flow and risk investigation timetable have been formulated successively, and the members of the investigation team have been trained before the investigation. Fifth, investigators are required to write a commitment letter for risk investigation, and they are required to bear historical responsibilities to lay a good foundation for ensuring the quality of loan investigation. Sixth, take the initiative to report to the local government, coordinate and communicate with grassroots towns and villages, strengthen positive publicity, and ensure the smooth development of activities. Seventh, the investigation work adheres to the principle of cross-examination and double-person investigation to ensure the full exposure of loan risks; Members of the inspection team went out early and returned late, did not rest at noon, sacrificed weekends and holidays, and went to the village to carry out investigations in a down-to-earth manner in the scorching sun; Eighth, the leaders of the Associated Press should direct and supervise the progress ahead, and each group should hold meetings from time to time to solve the problems and difficulties existing in the inspection of each inspection team in time. Nine is that the leaders of the Associated Press are responsible for ensuring the quality and progress of the work and ensuring the smooth development of this work. The tenth is to give full play to the role of the coordinator and cooperate closely with the investigators to ensure the smooth completion of the investigation.

Third, check the risk situation.

As of September 18, xxx, the investigation work has been fully completed, and 266 risky loans with an amount of 21245,500 yuan have been identified, of which 10 loans with an amount of 2.904 million yuan have been identified during the implementation of rules and regulations; Unexpired loan discovery 19 1 risk, amount13,792,000 yuan; 65 risks were found in overdue loans, amounting to 4,549,500 yuan.

(A) the risks in the implementation of rules and regulations

1. Two loans were not checked, with an amount of 800,000 yuan;

2. Two loans with incomplete loan procedures, amounting to 740,000 yuan;

3. The loan "three checks" system is not in place, and there are 1 risky loans with the amount of 1 ten thousand yuan;

4. Failing to send two reminders to the loan guarantor, with an amount of 220,000 yuan;

5. Two loans with loan amount exceeding repayment ability, with the amount of 44,000 yuan;

6. False contract 1 copy, with an amount of 65438+ ten thousand yuan.

(b) The "risks" existing in the investigation of immature loans

1. Case of missing borrower 1, amount 1.5 million yuan;

2. The borrower died twice, amounting to 400,000 yuan;

3. Natural disasters 133, with an amount of 9.05 million yuan;

4. 55 cotton loans were not cashed in time, with an amount of 4192,000 yuan.

(3) Risks in the investigation of overdue loans (problems)

1. The following risks (problems) were found in overdue loans on the balance sheet.

(1) Six borrowers died, with the amount of133,500 yuan;

(2) There were 5 cases where the borrower's whereabouts were unknown, amounting to 10.97 million yuan;

(3) The borrower was imprisoned 1 time, with an amount of 1.8 1 ,000 yuan;

(4) The borrower or spouse was hospitalized with financial difficulties for 6 times, with an amount of 436,500 yuan;

(5) The borrower participates in gambling transaction 1 transaction, with the amount of 1 ten thousand yuan;

(6) The borrower has poor repayment intention and has 1 debt with the amount of 1.5 million yuan;

(7) The borrower lent money to others and failed to recover it 1 1, amounting to 6 17700 yuan; (8) Poor management of the borrower 14, with an amount of 2,442,900 yuan;

(9) The borrower's economic situation is poor, and the transaction is 65438+02, with an amount of 465438+06900 yuan;

(10) The borrower went bankrupt 1 time, with an amount of 3,600 yuan;

(1 1) Five cotton loans were not cashed in time, amounting to 304,000 yuan.

2. The following risks (problems) were found in off-balance-sheet replacement loans.

(1) 1 loan name, with an amount of 3 16000 yuan;

(2) 1 pseudonym loan with the amount of 1 1,000 yuan.

Fourth, the rectification situation

During the implementation of rules and regulations, there were 5 risky loans with an amount of 364,000 yuan 1 transaction, with an amount of 6,543.8+0,000 yuan, and 4 loans with an amount of 6,543.8+0,540 yuan, which have been rectified. 188 premature risk loans were not rectified, amounting to13.242 million yuan, and 3 loans were partially rectified, amounting to 550,000 yuan; 59 overdue loans were not rectified, amounting to 4401.6 million yuan, and 6 loans were partially rectified, amounting to 1.335 million yuan.

How to deal with verbs (abbreviation of verb)

This time, there were 2 problems 12 found in the investigation of the implementation of rules and regulations, with an amount of 2,945,600 yuan, and 23 people were punished, with a penalty amount of 22,400 yuan. Other treatments 1 person-time.

The measures taken by intransitive verbs to solve the problems and risks found in the investigation.

(a) the relevant personnel who have problems in implementing the rules and regulations have been punished and dealt with in other ways according to the situation.

(2) Implement the risk loan responsibility, sign the risk responsibility letter, and link the risk rectification with the performance.

(3) For the loans found in the investigation, the collection period of the responsible loans is stipulated, and the relevant responsible persons are required to complete the collection within the prescribed time limit. If the collection is not completed within the prescribed time limit, it will be collected after leaving the post.

(4) Require the account manager to take risky loans as the key monitoring object, with one policy for each household, and take timely remedial measures for loans with greater risks to eliminate potential risks to the maximum extent.

(5) List the outlets with high loan risk as key monitoring objects.

(six) timely collection of fines.