Summary of the self-inspection report of bank credit investigation-summary of the work in the past year. Under the correct leadership and care of the leaders of the head office and branches, and with the enthusiastic help and care of my colleagues, I have gained a lot and felt a lot. The brief report is as follows:
One is to strengthen theoretical study and consciously practice Scientific Outlook on Development.
Strengthening theoretical study is the guiding light to ensure that credit management advances in the right direction, and it is the fundamental guarantee to improve work efficiency and achieve work objectives. In my work, I always pay attention to the new trend of theoretical development and use advanced theories to guide specific work. At the seminar on studying and practicing Scientific Outlook on Development in the Head Office, he carefully prepared and summarized the exchange experience, which was affirmed by the leaders. Combined with the legislative work of credit reporting, we should strengthen the investigation, and thoroughly practice and implement Scientific Outlook on Development in the investigation. Written and submitted by the party Committee of the organ itself? Study and practice Scientific Outlook on Development to create a new situation of credit management? The Research Report on Credit Legislation was recommended to the State Working Committee of the Central Committee as the Research Report on the Activities of the People's Bank of China in Studying and Practicing Scientific Outlook on Development.
Two, actively participate in the formulation of the "Regulations" on the management of credit reporting industry, which has been approved in principle by the president's office meeting.
Actively promoting the promulgation of "Regulations on Credit Management" is one of the key tasks of credit management of the Head Office in recent years. After several years of exploration and accumulation, the conditions for credit legislation are becoming more and more mature. According to the Work Arrangement on the Special Work of Legal Construction of Social Credit System reported by the Legislative Affairs Office, the work is scheduled for _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The legislative work of regulations has been steadily accelerated and significant progress has been made.
I participated in the formulation of the regulations. He has participated in the research on local credit legislation, credit service market and social credit system construction, and directly wrote or participated in the writing of relevant research reports; The concept, industry development model, business types, business management methods, licensing conditions and other issues of credit reporting have been systematically and deeply discussed for many times. According to _ _ new? Polishing? The plan adjusts the credit management responsibilities of the People's Bank of China, and carefully studies the Credit Management Regulations (Draft) submitted to the People's Bank of China in _ _ and several draft regulations formed in recent years. Participate in the seminar on credit legislation and internal revision meeting organized by the Credit Bureau, the Legal Department and the Legislative Affairs Office. Actively listen to and study the opinions and suggestions of relevant experts and scholars on many important issues such as the concept and boundary of credit reporting, the starting point of credit reporting management, the problems to be solved urgently in credit reporting legislation, and the means and methods of credit reporting management during the formulation of the Regulations; Accurately understand and implement the spirit of the relevant instructions of the head office leaders, and the opinions put forward are well adopted and absorbed by laws and regulations. On February 5, 65438, the Regulations on Credit Management was discussed and passed in principle by the president's office meeting.
Three, according to the needs of legislative work, focus on the relevant key credit legal system for special research.
Firstly, the local credit legislation was investigated. In order to clarify the relationship between the construction of credit information system and local credit system, I participated in the completion of the research report "Analysis and Evaluation of Local Credit Information Legislation"; Secondly, it explores the development model of China's credit information industry. Wrote "On the Development Model of Credit Information in China? Judging from the public nature of credit information products, they are well received by bureau leaders; Third, in order to find out the market positioning, operating conditions and problems existing in the development of various credit reporting agencies, study and design institutional measures to promote the development of the credit reporting service market, and complete the Report on the Development of China Credit Reporting Market, which was signed by Vice President Suning and sent to the Legal Department and the Personnel Department for reading and approval; Fourth, understand the cross-border flow and protection of international data through the practice of IFC, organize key export enterprises and relevant commercial banks to hold symposiums to study the necessity and possibility of cross-border flow of credit data, and combine the experience of the United States and the European Union in handling cross-border flow of credit data to complete the comparative study of cross-border flow of European and American data. Two achievements, China Credit Information Market Development Report and Comparative Study on Cross-border Data Flow between Europe and America, were selected into the forthcoming Special Research Report on Credit Information Management and Credit Information Industry under World Map by the Credit Information Administration. A comparative study on the legal system of credit investigation in fifteen countries and regions. At present, two manuscripts have been submitted to the financial publishing house for review. Fifth, learning from the experience of foreign credit legislation, we can learn from others' stones. Under the direct guidance and cordial care of the leaders of the Ministry, we set up a foreign credit theory and practice research group, completed the research and enlightenment on the Equal Credit Opportunity Act of the United States, and adopted it for reference. Four, actively pay attention to the new problems and new situations in the operation of the credit information system, and put forward suggestions for improvement according to the instructions of the leaders.
Since _ _ _ _ _ _, according to the instructions of the leaders of bureaus and departments, I have paid close attention to the new problems and new situations in the management of credit information system and credit information market, and investigated and studied the compliance use of credit information by commercial banks, the acceptance and handling of personal objections, and credit information litigation. Closely follow relevant litigation cases and put forward constructive suggestions to relevant branches to properly handle litigation cases; Take the initiative to communicate directly with the parties, publicize relevant policies, resolve disputes, and properly handle complaints from citizens; According to President Su's instructions on the Request for Instructions on Handling Objections and Solving Existing Problems in Personal Credit Information System of Credit Information Center, put forward opinions and suggestions and submit them to President Su. In order to establish as soon as possible an objection handling, complaint and litigation reporting system involving branches and sub-branches of the People's Bank of China, credit reporting centers and commercial banks, the Notice of the People's Bank of China on Establishing an Objection Handling, Complaint and Litigation Reporting System for Personal Credit Reporting has been signed and will be published in the near future.
Verb (short for verb) Other jobs
The first is the daily document processing. This year, dozens of official documents such as countersigned newspapers, countersigned documents, requests for instructions, notices and letters from citizens were processed with high quality, which improved the level of official document processing; Second, seriously handle the bills, proposals and suggestions related to credit management put forward by NPC deputies and CPPCC members; The third is to study the interpretation of the "Regulations" after its promulgation and the construction of related supporting systems. For example, formulate the Interim Measures for the Administration of Credit Information Agencies, clarify the access and supervision measures of different types of credit information agencies, improve the market exit mechanism, formulate a series of business operation norms and guidelines for credit information agencies in accordance with the principle of classified supervision of credit information and learn from international experience, standardize the business behavior of credit information agencies, formulate procedures for handling objections in credit information activities, clarify the procedures for handling complaints and reports of credit information, and effectively protect the legitimate rights and interests of information subjects. Fourthly, I participated in many training courses and seminars related to credit management, which improved the theoretical level and working ability of credit management.
Six, a little feeling
Credit management is complex, involving all aspects, and it is difficult to promote the work. Every step forward is full of painstaking efforts and efforts of leaders and comrades. However, credit investigation has important social and economic significance. Every step of the work means that it has made valuable contributions to economic and social development, progress and harmony. As a member of the front line of credit management, I am proud of my pioneering career in credit management. Always be grateful, always enterprising, always in awe, always cultivate one's morality, always be self-disciplined, always save one's mistakes, and always get rid of unreasonable ideas. Practice Scientific Outlook on Development, conscientiously implement the spirit of leadership instructions, unite with comrades, work hard, blaze new trails, and strive to create a bright tomorrow and an infinitely broad future for credit management.
Summary of self-inspection report of bank credit investigation II. The construction of rural credit system is an important content of building a new socialist countryside, and it is an important means to implement the policies of the CPC Central Committee and the State Council to support agriculture and benefit farmers, expand rural credit input, and promote agricultural production and farmers' income. At the same time, the construction of rural credit system is an important basic work to enhance farmers' credit awareness, improve rural credit environment and financing environment, improve the level of rural financial services and do a good job in rural financial work. In recent years, closely centering on the functional orientation of serving "agriculture, countryside and farmers" and developing the county economy, the county association has vigorously promoted small loans for farmers, carried out the selection of credit farmers and created credit villages and towns, which has effectively promoted the development of rural economy and the improvement of rural credit environment in the county. The author makes a brief investigation and analysis on the construction of county rural credit system.
First, the county rural credit system construction status quo
(1) Construction of rural credit system.
(B) the main practices of rural credit system construction
1. Determine the overall thinking and work objectives.
The county government issued "Opinions on Accelerating the Construction of County Social Credit System", which clarified the general idea of rural credit system construction: under the guidance of Scientific Outlook on Development, taking the construction of new socialist countryside as an opportunity, taking credit information system as a carrier, taking credit evaluation as a means, focusing on the construction of reward and punishment mechanism, increasing the promotion of government organizations and rural credit propaganda, and following the principles of easy first, difficult later, steady progress, reform and innovation, and supporting agriculture and benefiting farmers. Establish credit files of farmers and township enterprises in the county, actively promote the construction of credit users and credit villages, explore effective ways to build rural credit system and expand rural credit support, and promote the coordinated development of rural economy and finance in Hainan Province. The overall goal is to strive to form a rural credit system framework of credit propaganda, information collection, credit evaluation and credit support for agriculture in about three years. The establishment of the general idea and goal has laid a solid foundation for promoting the construction of rural credit system.
2. Establish a coordination mechanism.
In the construction of rural credit system, a coordinated working mechanism led by the government, promoted by the central bank, implemented by rural credit cooperatives and participated by the society has been established. Set up a rural credit system construction implementation team with the director of the credit union as the team leader and the director of the credit union and the credit personnel as members, organize, lead and coordinate the rural credit system construction in a unified way, and be responsible for the creation and concrete implementation of credit townships (towns), credit villages and credit users. Innovating credit products and increasing rural credit input; Formulate specific supporting policies, take the initiative to use the evaluation results, and introduce incentive and disciplinary measures; According to the basic situation of farmers, their own assets, credit records, business ability and projects, etc., file the files door by door, and establish a data quality responsibility system and a regular data update mechanism. Actively promote the application of farmers' credit information database and farmers' credit scoring system, innovate farmers' credit management system, and actively create new credit business management processes.
3. Lay a solid foundation, make steady progress and implement it step by step.
The construction of rural credit system is a systematic project, and it is also a new thing for the masses. Therefore, we should lay a solid foundation in our work and implement it step by step.
First, increase publicity and create public opinion. In order to promote the construction of rural credit system, enhance people's credit awareness and create an atmosphere of honesty, we should make full use of public opinion tools such as radio, television, slogans and newspapers. Strengthen the publicity and guidance of rural credit system construction, and highlight the purpose, significance, evaluation criteria, procedures and steps of rural credit system construction. Make farmers fully realize the significance of credit information collection and improve their enthusiasm for collecting information consciously. Adopting the propaganda strategy of encircling the city from the countryside, three training courses on credit reporting were held successively, and all village party secretaries and village heads of 80 rural village committees in the county/kloc-0 were trained.
The second is to establish an incentive and disciplinary mechanism to guide farmers to actively establish personal credit files. According to the evaluation results of farmers, credit cooperatives implement different policies in terms of credit line, approval authority, service type, applicable interest rate, collateral, recommendation and evaluation. Give preferential treatment and convenience to farmers with good credit and limit those with bad credit. According to the evaluation results of credit townships (towns) and credit villages, administrative penalties and incentives shall be formulated jointly with the township government. Credit townships (towns) and credit villages can enjoy preferential policies in agricultural project development, preferential interest rates and rural supporting services; Linking the credit evaluation status of various places with the allocation of re-lending quota for supporting agriculture, and the focus of re-lending for supporting agriculture is inclined to areas with good credit status.
(C) the achievements made in the construction of rural credit system
First, the quality and efficiency of capital operation have improved significantly. The non-performing loans of rural credit cooperatives in our county decreased and the asset quality was gradually optimized. At the end of June, the balance of non-performing loans of credit cooperatives was 88,352,600 yuan, down 20,399,200 yuan from the beginning of the year, and the non-performing rate was 4.29%, down 1.49 percentage points from the beginning of the year. The off-balance-sheet write-off and bill replacement non-performing loans were recovered by RMB4,654,380+0,000, a significant decrease from the beginning of the year. The construction of credit system has obviously improved the quality of new loans, the stock of non-performing loans has been continuously activated, and the credit concept of lenders has been continuously improved.
The second is to promote the transformation of loan marketing mechanism of rural credit cooperatives. According to the evaluation results of farmers' credit evaluation system, the method of combining quantitative analysis and qualitative analysis is adopted to review credit farmers before lending. In the process of farmers' credit evaluation, not only credit-related information is scored, but also family information, comprehensive information and other information that can show farmers' non-credit situation are scored, so as to evaluate farmers more comprehensively and accurately. The reform of loan marketing mechanism promotes the rational use of funds of rural credit cooperatives, expands the coverage of credit loans, improves the satisfaction of farmers' effective demand for loans, and promotes rural credit cooperatives to explore new credit products suitable for farmers' characteristics. According to the survey, since then, rural credit cooperatives have carried out new businesses such as forest rights and mortgage loans for contracted land management rights, and the satisfaction rate of farmers' effective loan demand has reached 76%.
Third, farmers' credit awareness in the county has been significantly enhanced. In recent years, under the leadership of the government and the People's Bank of China, with the active promotion of rural credit cooperatives, the construction of rural credit system has become the focus and breakthrough of financial support for local economic development under the new situation. By cultivating credit environment and strengthening credit propaganda, based on reality, it has effectively promoted the win-win situation of economy and finance. The government's credit image and administrative credibility have been significantly improved, public credit awareness and credit quality have been further improved, and the relationship between banks and enterprises has been further improved. The county was awarded the title of China financial eco-county (city) by the 4th annual meeting of China financial mayors jointly organized by China Finance Research Institute, China Financial Network and China Financial Journalists Club, and was awarded the model county of rural credit system construction by Chengde financial system in June+February, 5438, which marked that the construction of county credit environment has been transferred to a new stage of conventional construction.
Two, the problems existing in the construction of rural credit system and improvement measures and suggestions
1. Problems in the construction of rural credit system
First, the awareness of credit system construction is not enough. In the county, although the construction of rural credit system is led by the government, the depth and breadth are not enough. To some extent, the construction of credit system has been related to the national economy and people's livelihood and the development of county economy. Therefore, government guidance, social concern and full participation are imperative, which is also the fundamental solution to the contradiction between supply and demand of credit funds.
Second, the degree of socialization of credit system is not enough. As far as credit itself is concerned, the credit system is not only the degree of credit integrity, but also the credit status of creditors in all aspects. Therefore, the construction of credit system is a social systematic project, including the degree of credit in all aspects of society, which requires the construction of credit system to maintain both the financial credit environment and the credibility of public cognition. In other words, the construction of credit system should start from all aspects of society.
Third, the punishment for lack of credit is not enough. The accusation of dishonesty has always been based on the moral category, but the corresponding punishment has not been put in place, and the faithless person has no fundamental loss of interests, so the binding force on dishonesty is insufficient, forming a situation in which everyone shouts but does not start work, and there is nothing they can do about dishonesty.
Fourth, the cultivation of credit concept is not strong enough. In ancient China, faith was the foundation. However, with the rapid development of modern social economy, the influence of external outlook on life, values and interpersonal relationships has had a great impact on the inherent concept of credit, which requires starting from the fundamental consciousness of the public, cultivating the concept of credit, establishing the value of credit and practicing the behavior of credit.
2. Some views on the construction of rural credit system
Taking the establishment of reward and punishment mechanism as a breakthrough to improve the effectiveness of rural credit system construction.
First, based on the construction of credit culture, establish a long-term mechanism for rural credit system construction. The construction of rural credit system should be based on strengthening farmers' honesty concept, strengthening credit information publicity and education, and realizing the regularization and expansion of credit information publicity. There are three combinations in the process of credit information publicity and education: first, the combination of credit information publicity and new rural construction; Second, credit propaganda is combined with credit users and credit village construction; Third, credit propaganda should be combined with the promotion of credit products, so as to continuously strengthen farmers' credit concept and build a new rural credit civilization under the conditions of market economy.
Second, pay attention to the construction of legal system and improve the legal environment of rural credit construction. First, according to the existing laws and regulations of the country, establish a restraint mechanism for dishonesty as soon as possible to form a joint force of banking, justice and taxation to sanction and crack down on dishonesty; Third, taking administrative guidance as the breakthrough point, the government takes the lead in building a credit government, effectively transmitting the measures and implementation effects of credit construction, and providing legal guarantee for attracting more financial capital and social funds in rural areas.
Third, based on infrastructure construction, expand the coverage of rural credit system construction. First, speed up the interconnection of rural credit cooperatives, generally establish and improve farmers' credit files, and vigorously promote the collection of non-bank information; Second, standardize farmers' credit rating evaluation and credit information system, increase financial support for rural credit guarantee system, and constantly improve rural investment and financing incentive guarantee system; Third, strengthen contact and cooperation with industry and commerce, taxation and other departments, gradually expand the scope of use of credit reporting, and make credit reporting the second identity card of farmers.
Fourth, take property right reform as the innovation point to promote the sound and rapid development of rural credit economy. It is suggested to further deepen the reform of rural collective land property right system. Under the premise of unchanged ownership, we should take effective forms such as issuing certificates and confirming rights, and take the mortgage of rural land use rights as a breakthrough to improve the value of land use, so that agricultural producers can not only have the right to use land, but also have the right to dispose of it and transfer it, and turn the resources in farmers' hands into transferable credit means recognized by the financial sector.
Summary of self-inspection report on bank credit investigation In the past 20 years, with the cordial care of the leaders of the head office, the careful guidance of the leaders of the credit management department and the full cooperation of comrades, I have worked hard to improve my own quality, earnestly performed my post responsibilities, paid attention to investigation and analysis, and boldly tried innovative measures, and achieved certain results.
First, constantly improve yourself and improve your overall quality.
In order to meet the objective needs of banking work under the new situation, I always put learning in an important position and strive to improve my overall quality. First, learn from Deng Xiaoping Theory and? Theory of Three Represents theory? Important ideas and? Scientific Outlook on Development? Theory not only improves political insight, but also establishes a correct world outlook, outlook on life, values and service outlook; Second, studying financial policies and new loan regulations carefully in business not only broadens the knowledge level, but also is good at creative work in practice; Third, pay attention to personal moral cultivation in the work, strive to abide by the law, obey the leadership, unite colleagues, take the overall situation into account, be honest and do things in a down-to-earth manner.
Second, pay attention to business innovation and improve work efficiency.
Due to the changes in the staffing of the credit management department and the increasing number of loans submitted by branches, the original credit review management system can no longer meet the objective needs of business growth. If it is not updated in time, it will seriously affect the efficiency of loan review and even lose the hard-won customer base. However, if external professionals are hired to update the system, then first, time is too late, second, there is the risk of program leakage, and third, higher R&D expenses will be paid. Therefore, Comrade _ _ and I have developed an independent and innovative credit review management system for the benefit of _ _ Bank. The system can automatically generate review forms, voting forms, approval opinions, review reports, meeting minutes and other relevant credit review materials, which not only saves human resources, but also improves the efficiency of loan review, which has been fully affirmed by the leaders of the head office and branches and popularized throughout the jurisdiction. In addition, I have carefully summarized the successful experience of developing a credit review management system of "technology helps business innovation" and published it in the briefing of the Head Office.
Three, earnestly perform their duties, be a good decision-making staff.
Statistical reporting of credit data requires rich credit knowledge and years of experience accumulation. Reports include daily reports, ten-day reports, monthly reports, quarterly reports and many temporary reports, which are reported to the superior bank, the banking regulatory bureau, the People's Bank of China and the financial office of the municipal government respectively. For the data reported to different units, I pay attention to the different reporting caliber and the continuity of the report. On average, more than 40 copies are submitted every month, which ensures the accuracy of data and timely submission. The examination and printing of credit information requires fast work efficiency and high sense of responsibility. I carefully reviewed the legality, compliance, authenticity, integrity, effectiveness, consistency and rationality of the loan materials submitted for review, fully revealed the main risk points, and put forward risk prevention measures. More than 3,000 copies of audit materials were audited and printed throughout the year, which ensured the efficiency and quality of loan audit. Besides, what do I do in my daily work? Sanqin? , that is, diligent observation and research, writing research reports; Diligently accumulate materials and guide grassroots work; Feedback information frequently and be a good decision-making consultant. My Proposal on Strengthening the Management of Credit Files was adopted by the research publications of the Head Office. He also participated in the formulation of credit management systems such as _ _ operating rules and rural credit file management measures, which promoted the bank's credit management to move forward in the direction of rules-based, rules-based, strict discipline-abiding, and violations.
Fourth, carry out credit information publicity to improve the financing environment.
In order to actively respond to the unified development of the head office of the People's Bank of China? 20__ Credit Information Special Publicity Month? Activity, I insist? Powerful, distinctive and effective? Publicity principle, close contact? Cherish your credit record and enjoy a better life? The publicity theme helped the leaders in charge of the head office and the leaders of the credit management department to carry out various forms of credit information publicity activities, which received good social effects. At the beginning of September, I coordinated and guided the branches to go deep into the fields, publicized the credit information knowledge to farmers on the spot, posted credit information leaflets in the government affairs public columns of key administrative villages, and tried every means to send credit information to thousands of households, effectively improving the social awareness of credit information knowledge. At the beginning of September, I assisted the legal person customer service center to visit the enterprises under its jurisdiction, had a discussion with the heads of enterprises, and publicized the positive role of the credit information system in the construction of small and medium-sized enterprises and rural credit system. On September 19, I participated in the seminar of _ _ Bank in _ _ Manchu Township. Country stage? Credit information knowledge into rural publicity activities. The activity was explained by the host, singing and dancing, interspersed with two-person performances, which received the effect of entertaining and entertaining, and was promoted by the Municipal People's Bank in the form of official documents and praised by the notice.
Five, seriously serve the grassroots, to ensure that the management in place.
Serving the grassroots is a basic work of credit management, and it is also the main responsibility of the credit management department to implement the credit management spirit of the Head Office. I have worked at the grassroots level for many years, and I am well aware of the hard work of front-line employees, especially loan officers. Therefore, I firmly establish the purpose of serving the overall situation and serving the grassroots, and take the satisfaction of the grassroots as the standard to measure my work. First, patiently answer the difficult problems encountered by credit personnel, help the grassroots to deal with the difficult business in time, understand the demand of the grassroots for credit management, and avoid the phenomenon that the grassroots management is out of touch with the functional departments of the Head Office; Second, coordinate and guide the grassroots to do a good job in credit statements, daily management of credit information system, annual review of loan cards of account-opening enterprises, five-level classification of credit assets, investigation and collection of loans with borrowed names and counterfeit names, and conduct risk monitoring and early warning tips for loans that have been in normal loans overdue for more than 90 days and have expired and defaulted interest; Third, take the credit job training as an opportunity to effectively perform the grass-roots business counseling function. In mid-February, I participated in the whole-jurisdiction credit file learning class, which laid a good foundation for the standardization of the whole-jurisdiction credit file management. At the beginning of April, I participated in the whole-jurisdiction credit investigation class, which further standardized the operation of the credit investigation system and provided a good information guarantee for preventing credit risks. In early and mid-July, he was responsible for explaining the routine credit statements, common problems and solutions in the credit management system, as well as the filling of various statements in the special rectification stage of the provincial association. 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.
To sum up, although I have made some achievements, there is still a certain gap with the requirements of leaders and the expectations of comrades. 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. In the new year, I will fulfill my duties, work hard, constantly innovate my work ideas and measures, be a good consultant for leadership decision-making and be a good credit manager? A chess piece? Do a good job in grassroots services? Vanguard? And make new contributions to the sustainable development of _ Bank.
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