In 20xx, in accordance with the spirit of xx University, we made great efforts to realize "Theory of Three Represents" and comprehensively promote the requirements of building a well-off society in rural areas. Our society has also made specific arrangements and division of labor for the work in the new period. According to the division of business, I am fully responsible for all the work of credit cooperatives, mainly in charge of personnel, finance, planned credit, office and audit. Now I use 20xx to sum up my work:
I. Basic operating conditions
By the end of 20xx, all kinds of deposits were RMB xx billion, up by RMB xxxx billion year-on-year, up by RMB xxxx billion, up by xxxx%, all kinds of loans were RMB xxxx billion, up by RMB xxxx billion year-on-year, and non-performing loans were RMB xxxX billion, of which overdue loans were RMB xxxx billion, down by RMB XXXX billion year-on-year. Sluggish loans amounted to xxx billion yuan, an increase of xxx billion yuan year-on-year, and accumulated loans amounted to xxx billion yuan throughout the year, achieving a profit of xxx billion yuan, an increase of xxx billion yuan or xxx% over the planned target of XXX billion yuan.
Second, strengthen the unity of leading bodies and democratic management.
Only by implementing democratic management can rural credit cooperatives be worthy of the name. On the basis of clarifying the property rights of rural credit cooperatives, the core of perfecting the corporate governance structure of credit cooperatives is to establish a management mechanism based on democratic management and supplemented by industry management. In order to strengthen democratic management, avoid the personal decision of the director and deputy director of the credit cooperatives, and effectively strengthen collective leadership, we have mainly taken the following measures.
(1) Establish a regular meeting system for grass-roots cooperatives, where you can put forward good suggestions, good original experience and different views on working methods; (2) The Associated Press Social Committee was established, with the participation of the heads of reference rooms. In case of major problems, the Social Committee will make major decisions. (3) In order to effectively prevent financial risks, a five-person loan review committee was established; That is, loans above 10000 yuan must be collectively decided by the loan review Committee, and loans above xxxx yuan must be collectively reviewed by grass-roots cooperatives; (4) All expenses above xxxx yuan of grass-roots cooperatives must be reported to the president of the Association for examination and approval, and a financial leading group composed of various business departments has been set up, that is, expenses above xxxx yuan must be reported to the financial leading group for collective examination and approval, that is, all leading groups can take effect only after signing; (5) Criticize and self-criticize the work style of the leading group through the party member Democratic Life Association. By taking the above measures, the democratic management of our society has reached a new level.
Third, strengthen internal management and strive to complete the task indicators.
In order to effectively strengthen internal management, our company has established and improved various internal control systems. I have studied hard with every cadre and worker of grass-roots cooperatives and associated associations and strictly implemented them according to regulations.
According to the management responsibility target issued by the People's Bank of China at the beginning of the year, our company decomposed into grass-roots cooperatives according to conditions, and signed a 20xx annual management target responsibility letter with the director of the grass-roots cooperative as an important basis for assessing the director according to the actual situation at the end of the year, and linked it to 40% of the wages, meals and bonuses of the employees of the whole society.
Fourth, carry out quality services and do a good job in warehousing.
Xxx county is a developing county with complete commercial banks, and its settlement method has obvious advantages compared with rural credit cooperatives. At the beginning, the deposit growth in our society was not fast. In order to get rid of this situation, our society has taken the following measures to absorb and precipitate:
1. Intensify the publicity of savings image, give full play to the advantages of credit cooperatives with more people, more points and more areas, and widely publicize the savings policy, significance and the nature and status of credit cooperatives by using publicity tools such as television, radio and bulletin boards.
2. Carry out quality service and win the trust and support of customers with civilized service. Buying cotton in peak season is the most important work of credit cooperatives. During the purchase period, two working groups were set up, which I was in charge of and sent to all grass-roots purchase outlets to provide all food and accommodation. It is also stipulated that the working hours during the acquisition period will be extended from 8 hours to telephone 10- 12 hours, and the managers from the director to the section chief will all go down to the acquisition point to assist the grass-roots cooperatives in collecting loans and absorbing storage. Through the efforts of all the staff, we have achieved good results.
3. Make full use of our long-term popularity and geographical advantages, open up a new world of fund-raising by going out and introducing, and cultivate and introduce "golden customers".
4. Actively straighten out the relationship and obtain the support of the party and government departments.
By adopting effective methods and measures, under the influence of unfavorable factors, deposits have steadily increased by 10,000 yuan.
Fifth, practice the "Theory of Three Represents" and increase support for agriculture.
1, effectively solving the problem of farmers' loan difficulties.
(1), overcome the fear of loans and increase the amount of agricultural loans. By the end of 20xx, our agency * * * issued loans for supporting agriculture 1 10,000 yuan. (2) Improve the working methods and increase the intensity of supporting agriculture. Second, do a good job in credit investigation and evaluation of loan households; The third is to change the way of supporting agriculture loans and simplify procedures. Convenient for farmers. (3) Strengthen the propaganda of supporting agriculture policies, conscientiously implement the "four prohibitions" put forward by the People's Bank of China, and truly turn rural credit cooperatives into farmers' banks.
2. Support rural economic development and actively promote the issuance of small-scale agricultural loans.
Focusing on the goal of "increasing agricultural production, increasing farmers' income and stabilizing rural areas", our agency adheres to the market orientation of "based on rural areas and serving agriculture, rural areas and farmers", changes its operating mechanism, actively promotes micro-credit loans for farmers, and relies on the activities of "establishing credit villages and reassuring users" to continuously increase agricultural credit investment and expand the total amount of agricultural loans. By the end of 20xx, our agency has issued farmers' credit loan certificates to * * * villages and farmers, and the total amount of credit loans has reached. The implementation of farmers' micro-credit loan not only simplifies the loan procedures, solves the problem of farmers' micro-credit guarantee, and solves the farmers' demand for small funds for developing beneficial agriculture and living consumption, but also improves the rural credit environment and further strengthens the flesh-and-blood relationship between credit cooperatives and farmers.
Six, strengthen loan management according to law, to resolve the risks of rural credit cooperatives.
1. In view of the omissions in credit management in the past, we not only stipulate that loans of more than 10,000 yuan in each branch must be submitted to the Associated Press for approval, but also stipulate that loans of more than xxxx yuan in all grass-roots units must adhere to collective loan review.
2. Hire legal counsel to collect loans according to law. Those who are not active in repayment and interest payment, have a bad attitude, are guaranteed by mortgaged assets or have changed their assets and have solvency will be prosecuted according to law to avoid winning the case and losing money.
3. The loan collection methods are flexible and diverse. For loans left over for many years, we must first improve the procedures, re-determine the repayment period according to the provisions of the General Principles of Loans, and let units and individuals with the ability to repay the principal and interest guarantee to prevent invalid guarantees, invalid pledges and invalid mortgages.
5. It is necessary to link the wages of agricultural loan officers with the collection of loans, and insist that whoever borrows will repay the loan. For those who have retired from the original loan responsibility, we will also try our best to invite them back to help collect the loan.
By taking the above measures, the accumulated loan of RMB million and non-performing loan of RMB xxxx million were recovered throughout the year.
6. After the reform of xx rural credit cooperatives, due to historical and institutional factors, the number of borrowers who evaded debts gradually increased, forming a huge amount of non-performing assets. According to the statistics at the beginning of 20xx, the loan of "one excess and two retention" reached xxx billion yuan, which seriously affected the funds for supporting agriculture. In order to ensure the safe turnover of credit funds of rural credit cooperatives, the county association has increased its determination to manage loans according to law and set up a leading group to rely on the rule of law. I led the leading group of the trade union and the staff of xxx Credit Union to make special arrangements for the collection of non-performing loans, and established a four-in-one collection mechanism with the court as the main force, government support, departmental cooperation and employee participation. Appoint xxx, deputy director of the trade union, to be stationed in xxxx Society, cooperate with the director of xxxX Society and credit personnel to group, implement the responsibilities one by one, collect loans, and actively cooperate with the court for collection. Up to now, the deposit of xxx has increased from xxx million yuan at the beginning of the year to XXX million yuan at the end of the year, the loan balance has decreased from XXX million yuan at the beginning of the year to XXX million yuan at the end of the year, the accumulated loans have been recovered, and the non-performing loans have been reduced to XXX million yuan, which has been revitalized and collected. As a result, the quality of credit assets of xxx has been significantly improved, and the mental outlook of employees has taken on a new look.
Seven, strengthen the audit, eliminate business risks.
Due to the wide coverage of our organization and poor quality of personnel, our organization has strengthened its audit this year.
1. Conduct a comprehensive inspection on the use, management and implementation of important blank vouchers.
2. Conduct a comprehensive self-examination on the loan issuance and management of credit cooperatives within its jurisdiction, especially the management of loans for supporting agriculture.
3, carefully clean up the internal loans, internal loans to our employees, in principle, 40% of the wages are deducted from the loans, and the rest are guaranteed the minimum living standard, and the wages are deducted from the loans.
4, check the expenses, whether it is in line with the provisions of the financial system.
5. Check whether interest expenses are in compliance, whether there are multiple points and columns, and whether interest income is accounted for in real time, withheld and misappropriated.
6. Whether the loan issuance has implemented the system of separation of loan examination and "three investigations", whether there are problems such as exceeding the authority and issuing loans across regions, and whether there are false charges and false guarantees.
The loan is xxx million yuan, the interest on non-performing loans is xxx million yuan, and the interest on off-balance sheet accounts is xxx million yuan. As a result, the quality of credit assets of xxxx has been significantly improved, and the mental outlook of employees has taken on a new look.
Eight. Strengthen safety work
We attach great importance to safety work. First, we must strictly implement the safety system and put safety work in an equally important position in all business work. Holidays comprehensive investigation has formed a system, and it is necessary to conduct safety inspections at grass-roots credit cooperatives regularly or irregularly. Through inspection, there is no off-duty phenomenon in all grass-roots credit cooperatives.
Nine. Existing problems and improvement measures
By the end of the year, although all the work has made some achievements, this problem still exists.
1, continue to make great efforts to expand the radiation coverage of micro-loan joint guarantee loans.
2. Insufficient training and learning for employees.
4. Continue to improve the quality of credit assets of xxxx Credit Cooperative.
In the new year, I must keep my advantages and overcome my shortcomings. Under the correct leadership of the people's banks at all levels, and with the strong support of the broad masses of workers, I will strive to make the work of credit cooperatives to a higher level.