Sample essay on the special business of rural credit cooperatives

Credit cooperatives are independent corporate legal persons. They bear responsibility for the debts of rural credit cooperatives with all their assets and enjoy civil rights in accordance with the law. Its property, legitimate rights and interests and business activities carried out in accordance with the law are protected by national laws. Now let me give you my experience on the special business of Rural Credit Cooperatives. You are welcome to read it.

Thoughts on the special business of Rural Credit Cooperatives

Half a year has passed in 20__ in a blink of an eye. In the work of this half year, I learned a lot. I have become more and more proficient at work. The following is a summary of my work in the first half of the year.

1. Vigorously organize deposits, and deposits grow steadily

In response to the increasingly fierce competition in the banking industry, our company insists on: We have what others don’t have, we have the best when others have, and we have the best when others are good. With our new sense of innovation, we constantly introduce new financial business varieties, which stimulates the enthusiasm of employees in organizing deposits and promotes the steady growth of deposits. First, we implement the public relations strategy for large depositors. All employees of our agency have a deep understanding of the true meaning of the "large customer contribution strategy", and all employees are mobilized to conduct analysis and investigation to find valuable customer information. A "Large Household Research Team" was established and an information award was established to conduct concentrated research on the basis of obtaining information, with remarkable results. At the same time, on the basis of stabilizing old customers, we carry out practical door-to-door service activities with designated people to achieve a double harvest of publicity and increased reserves. Second, we actively strengthen and improve the software and hardware construction of business outlets, rely on high-quality services to attract customers, strictly implement the "eighteen-character" service policy in our work, make services deep, detailed, home-made, and in place, and follow the standardized service guidelines. It is required to improve service quality, standardize reporting behavior, and effectively raise services to a new level.

2. Strengthen credit management and ensure asset safety

Credit work is the key to credit cooperatives achieving profitability. This year, our company has focused closely on asset management and continuously created and improved the benefits of credit cooperatives. First, improve credit management and improve credit risk identification and control capabilities. Starting from the beginning of the year, in order to understand the quality of our company's credit assets and in accordance with the standards of the association's credit asset risk classification, our company organized account managers to carefully study relevant business knowledge, focusing on cultivating the account managers' four kinds of awareness: marketing awareness, risk awareness, Aware of responsibilities and laws, check all loan information, and collect and organize incomplete procedures and information in accordance with the requirements of the Risk Management Department. The second is to strictly enforce loan issuance procedures, strict procedures, and improve the quality of loan issuance. This year, our company will strengthen credit management and improve the quality of credit issuance as important aspects of credit work. The loan review and approval system has been improved and loan operation procedures have been strictly enforced to institutionalize, standardize and program the loan review and approval work of our company and cut off the source of illegal loans. In terms of loan issuance, our company strictly follows the procedures prescribed by the association and implements a loan "three-check" system to ensure that the loan can be obtained and the money can be recovered. Provide preferential policies for recovery and refinancing, provide preferential loan interest rates, and actively cultivate a good credit environment.

In terms of credit management, our company can plan in advance and know what to expect. Our company requires account managers to conduct follow-up inspections of all managed loans in accordance with the loan "three checks" system, issue due loan notices to the loans that are due in the month before the fifth day of the month, and promptly report to the credit management team any loans that are found to be amiss. constitute written material. Secondly, increase the intensity of assessment to ensure the completion of task objectives. Our company has set up a non-performing loan collection team, which is divided into two groups to conduct a door-to-door investigation of each loan to find out the bottom line of the loan, and requires the account managers to fully understand the severe situation this year. Secondly, we will increase the assessment of account managers and concentrate on collecting non-performing loans. Each account manager will use the portion above his basic salary to assess the absolute reduction of non-performing loans and the recovery of loans due in the current month. New customers with a large number of overdue loans will The manager ordered the laid-off workers to be cleared, and only living expenses would be paid during the laid-off period. At the same time, the person first responsible for the loan will be held accountable, and serious cases will be reported to the Associated Press, which will never be compromised. Through the joint efforts of all account managers, the occurrence of hidden non-performing loans has been effectively curbed.

3. Strengthen the construction of internal control systems and do a good job in accounting and cashiering

1. Establish and improve various rules and regulations to ensure the standardization of internal management work.

To do a good job in internal control management, the primary factor is to strengthen the political and business learning of accounting and cashier personnel. In accordance with the requirements of the work development of the association and superiors, combined with the implementation of the quarterly investigation of case prevention and control in our agency and the actual situation of internal work, we will continue to organize back-office staff to focus on learning the "Basic Accounting Work Standards" and relevant accounting and cashier documents issued by the association spirit, each person has a study note, and regular and irregular inspections are carried out, which enriches the business knowledge of all staff and improves the political quality of all staff. Effectively solve the problems of our company's personnel's weak internal control awareness, imperfect systems, and non-compliance with rules, and promote the healthy and rapid development of our company. After learning, our company has greatly improved the quality of its accounts.

2. Strengthen financial management, strive to increase revenue and reduce expenditure, and improve economic efficiency. In terms of financial expenditures, our company implements financial disclosure in accordance with the spirit of the documents of the Association, and strictly follows the regulations of the Association for approval, review and accounting. Strictly control the expenses listed in the total lump sum expenses and keep them within the standards. Strictly implement the director's "one pen" system to ensure that all expenditures are compliant, legal, and can withstand inspection by various departments.

3. Take the "quarterly investigation activities for case prevention and control" as an opportunity to carry out risk investigation work. Dongguo Credit Cooperative conscientiously implements the spirit of the special case management work conference at all levels, closely follows the work deployment of the Union Party Committee, adheres to the people-oriented approach, and carries out risk investigation activities in a solid and effective manner. A leading group for the quarterly investigation of case prevention and control of Dongguo Credit Union was established. It carefully studied and researched the association's risk investigation activity plan, and formulated a highly operational implementation plan based on the actual work of Dongguo Credit Union. During the learning stage, I carefully studied the knowledge that I need to know about accounting, cashiering, settlement, credit management, and security. At the same time, I combined it with internal control management work and cases that have occurred in recent years. I used things around me to educate people around me and draw inferences about other cases from one instance. effect.

4. Strengthen business technology training and improve employees’ business operation skills. In order to continuously improve the business skills of personnel in various positions, better adapt to the current rapid development of the financial industry, further improve the professional quality of employees, and improve the business quality and efficiency of each employee, we have formulated a business technical training system. It set off an upsurge in technical training.

IV. Attach great importance and do a good job of "three preventions and one guarantee"

In terms of safety and security, we follow the policy of "prevention first, ensure key points, and ensure safety" and adhere to "Grasp all year round, grasp all year round" guiding ideology, strengthen prevention, strengthen responsibilities, conscientiously study the "one-day safe work method" in rural credit cooperative business premises, and achieve safe operations without accidents in the first half of 20__, ensuring the safety of people and funds. Safety. The first is to strengthen safety awareness education for night duty personnel. On-duty and warehouse-keeping personnel should arrive at their posts on time, carefully check the items that need to be inspected during the shift, register in the safety and security register in a timely manner, and have clear responsibilities. The second is to implement the safety and security target responsibility system. Resolutely implement the "top leader" responsibility system and do a good job in "joint prevention" work

V. Work plan for the second half of 20__

1. Strengthen the political and ideological quality education of employees and improve Ideological awareness and promote the improvement of the professional ethics of the staff. Build a credit union culture and build a harmonious credit cooperative.

2. Vigorously organize deposits, adjust the deposit structure, strive to increase low-cost deposits, make full use of the advantages of our community area, actively promote publicity, and increase the deposit scale of our community. Vigorously expand intermediary business and cultivate new business growth points.

3. Increase loan and interest collection efforts, strive to revitalize credit assets, increase legal prosecution and enforcement of non-performing loans, and reverse the weak recovery and activation of non-performing loans and the weak recovery in monetary form.

4. Improve employees’ business skills and strengthen on-the-job training. Business skills competitions are held regularly to create an atmosphere of learning, exercise and improvement.

My thoughts on the special business of Rural Credit Cooperatives

One year passed quickly. During this year, under the leadership of the director, I, the leaders of Wusan Credit Cooperative With the care and help of all comrades, we have been able to complete this year's work tasks relatively satisfactorily, and have made certain improvements in ideological awareness and other aspects. The summary of this year mainly includes the following items:

1. Political and ideological expression, moral quality cultivation and professional ethics.

Be able to seriously study the theory of building socialism with Chinese characteristics, consciously implement the lines, principles, and policies formulated by the party and the country, and have a public servant consciousness to serve the people wholeheartedly. Be able to abide by laws and regulations, dare to fight against violations of laws and disciplines, be loyal to duties, seek truth from facts, be honest, and abide by professional ethics and social ethics. I carefully studied the ?---? spirit of the Communist Party of China, and wrote down my experience and exchanges with all comrades in the institute. I was able to better understand the connotation of the ?---? spirit. In the ?---? learning process , can promptly discover existing problems and areas where spiritual understanding is unclear, strengthen learning in a timely manner, and make corrections. I have made a certain improvement in my ideological consciousness.

2. Business knowledge and work ability.

In the current job, I can continue to learn and accumulate experience. Through my own efforts, I have certain work skills and can calmly receive inquiries from depositors. There have been great improvements in business skills, organizational management, comprehensive analysis skills, coordination skills, and written and language expression skills.

3. Work attitude and diligence.

Love your own job, be able to treat every work task correctly and seriously, flexibly embody the financial policies and spirit of the party and the country in your work, and be proactive in your work, Able to actively participate in various business training organized by the unit, conscientiously abide by the district's rules and regulations, ensure attendance, and effectively use working time.

4. Quantity, quality, efficiency and contribution of work.

Able to complete the set work tasks in a timely manner and achieve the expected results. In the savings work, I can complete various work tasks assigned by the company with high quality and quantity, and at the same time, I learned at work. I have gained a lot of knowledge and trained myself. After a year of unremitting efforts, my work level has been greatly improved and I have made due contributions to the May 3rd Savings.

Summarizing the work of the year, although there have been certain improvements and achievements, there are also deficiencies in some aspects. For example, there are not many creative work ideas, and individual work is not done very well. This needs to be improved in future work. In the new year, we must conscientiously study and implement the policies, principles, and lines of the party and the country, strive to bring our ideological awareness and work efficiency to a higher level, and make due contributions to the leap-forward development of our Wusan Credit Cooperative.

My thoughts on the special business of Rural Credit Cooperatives

Since this year, under the correct leadership of the joint cooperatives and cooperative leaders, and with the help and support of my comrades, I have carefully studied the party’s The latest guidelines, routes, policies and financial regulations, etc., political quality and business skills have been greatly improved. At work, we can strictly implement various rules and regulations, adhere to principles, be meticulous, and be able to complete various tasks with quality and quantity. Review After a year of work, I report to the leaders and comrades as follows:

1. Strengthen learning, increase political and ideological awareness and business skills

In order to increase political quality and business skills, quickly adapt to the new situation In order to meet the needs of financial work during the period, I actively participated in various studies organized by the association and the society, and insisted on regular and continuous self-study. Especially in the "Zhenping Phenomenon" large-scale discussion activities carried out this year, I studied carefully, took notes, and wrote Good experience and a good summary will increase my political and ideological consciousness and my sense of responsibility and professionalism for starting a business. I will strictly demand myself in actual work, strive to talk about principles in big things, talk about style in small things, treat comrades with sincerity, and do a good job with comrades. While insisting on constantly learning politics, I will never forget to strengthen my professional skills. Knowledge learning, I humbly ask for advice on difficult problems that arise in practical work, I am not ashamed to ask, learn from the comrades around me, and can often find some rural credit cooperative magazines and books under the new situation for unremitting study and study, and follow this political nutrition and Business nutrition has been continuously enriched, which has greatly increased one's ideological awareness and work ability, and effectively promoted the smooth development of various tasks.

2. Vigorously organize deposits and enhance the image of credit unions

Everyone understands that deposits are the basis for the survival and development of credit unions and an important source of funds to support agriculture. Only by vigorously organizing Only with funds can we increase our ability to support agriculture and increase social credibility. First, I provide door-to-door services. No matter how big or small the deposit is or how far the journey is, as long as the depositor speaks, I will handle business for them as quickly as possible. Second, I build a network. Make full use of the radiation of classmates, friends, relatives and neighbors, and develop reserves through various forms. One person works together, and the whole family helps. The whole family has become a part-time recruiter. The third is to be diligent in legs and mouth, and often Between traveling to villages and towns, I would go to work as a propagandist for credit unions and publicize the service purposes and preferential policies of rural credit unions to thousands of households if I met any units or individuals I knew or had ample funds. . In the savings competition launched this year, a savings of 200,000 yuan was collected, accounting for 200% of the target of 100,000 yuan.

3. Increase the market vitality and increase the quality of credit assets

Revitalizing non-performing loans is the focus of our work this year, but it is also a difficulty. In recent years, the legal awareness of borrowers has been weak. , poor awareness of loan repayment, serious debt defaulting mentality, and mobilizing funds has become a constant difficulty in our work. I use various policies to do a good job in the ideological work of loan households. I think: only if the loan households have clear ideas, changed their concepts, and increased their awareness, their enthusiasm for repayment will also increase. In order to facilitate the collection of loans and interest, I I compiled a record of the situation of the loan households, and I clearly remembered the family situation, economic status, and neighborhood relationships of each loan household. I often went into the homes of the loan households and relevant parties to do ideological work, publicize policies and regulations, and understand them. , We were motivated to revitalize loans. This year, we reinvested 1.2 million yuan of non-performing loans, exceeding the task.

In the non-performing loan double reduction activity carried out this year, I worked as a revitalization team with __ in accordance with the arrangements of the company. It was the autumn harvest season. In order to revitalize this part of the loans, our company In order to reduce the ratio of non-performing loans as soon as possible, Tianxiang and I worked early and late to beat the time difference, and used the three meals to go to the borrowers’ homes to collect loans. We are not afraid of difficulties, move forward indomitably, fight tenaciously, and have a continuous fighting style. They have to use tactics and policies to attack their minds, and they talk about policies and principles with sincerity, and explain the negative impact that non-repayment of loans will have on themselves and society, forcing them to repay the loans. From September to December alone, non-performing loans amounting to RMB 10,000 were reactivated, and non-performing loans were reduced by 10%.

4. Marketing loans and doing a good job in issuing trustworthy cards

In August this year, the Associated Press launched the loan and trustworthy card business. In the process of marketing the trustworthy cards, I and the three The village leaders, together with the villagers, carefully conducted surveys and screening assessments for the farmers in the village, compared the credit user evaluation conditions and standards, strictly controlled the quality, established and improved the credit user economic files, and improved the credit card loan management requirements according to the requirements of the trust card loan. According to the guarantee procedures, in order to ensure the quality of assessment, I often go to farmers to conduct farmer household surveys, establish economic files, verify credit users, etc., especially after the first card issuance meeting held by our company in Songgou Village. , established a very good image of rural credit cooperatives, which attracted great attention from the villagers, and they all took the initiative to apply for trust cards. By December, _ farmers’ economic files were established, _ trust cards were applied for, and _ trust card loans were issued. , amount_10,000 yuan.

5. Obey leadership and observe discipline

Without rules, there is no rule. I can always abide by the rules and regulations of the society, obey the leadership's assignments, abide by labor disciplines, and rarely have anything to do. Ask for leave, insist on not asking for leave for minor illnesses, and return early for urgent matters. I often think that as a member of Xinhe, you must be close to the "three rural areas", be clean and honest, be honest and honest, and take care of your own mouth and hands at ordinary times, and establish We have a very good image. We must not use power for personal gain or use loans for personal gain. It is strictly forbidden to do things without giving benefits and to do things randomly after giving benefits. He was able to pass the integrity check and refused to accept gifts many times, which was well received by leaders and comrades.

After a year of hard work, I have achieved certain results in my work, but there are still big gaps and deficiencies. First, the political level and business skills cannot adapt to the needs of the development of the new situation. , the second is to go deep into the grassroots under the jurisdiction and not work hard enough, and the third is to be pioneering and enterprising, and the awareness of innovation is insufficient.

In the new year, I will strengthen continuous learning in politics and business, unite comrades, be brave and innovative, carry forward achievements, learn lessons, learn from the comrades around me, learn from each other's strengths, enhance work ability, and be a qualified member of Xinhe , and make greater contributions to the reform and development of rural credit cooperatives.