First, seal management:
(1) Strict seal management rules and regulations. According to the seal management measures of Zongyang Rural Credit Cooperative Association, our society actively organizes employees to study hard, and at the same time regulates the management and use of seals to ensure the safety and convenience of printing and put an end to all kinds of illegal printing;
(2) Strengthen the use management. The administrative official seal, business seal and personal seal shall be kept by a special person in accordance with the regulations, and the special person shall be responsible for it, and the keeping shall be strictly regulated during the business period; At the end of business, strictly implement double warehousing; Teller rotation, leave or transfer, etc. , and strictly implement the handover procedures, standardize the use and management of seals;
(3) Strictly implement the registration system. Establish seal keeping register, seal printing register and seal handover register, and implement strict seal use, storage and handover registration system;
(4) Strengthen inspection. Establish the Seal Storage and Use Inspection Register, regularly check the management of seal use every month, strictly supervise and inspect, plug loopholes, eliminate hidden dangers and prevent risks.
Second, the management of important blank vouchers:
According to the "Measures for the Administration of Important Blank Certificates of County Rural Credit Cooperatives", our agency adheres to the principle of "managing certificates with seals and charging fees". A special person shall be responsible for warehousing, and check the accounts and certificates regularly to ensure that the accounts are consistent with the facts. Strictly implement "special person management, warehousing (box) custody", and designate special person (warehouse keeper) to be responsible for the custody of important blank vouchers. Safe and reliable storage according to strict procedures. When the warehouse keeper changes, the handover procedures shall be handled according to the regulations. At the end of the business day, the balance of important blank vouchers should be counted one by one, checked with the physical objects, and recorded and registered at the same time. Social supervisor, safety officer and accounting supervisor strictly implement the inspection system of counting, collecting, keeping and invalidating important blank vouchers. The social director and safety officer insist on checking at least once a month, and the accounting supervisor insists on checking at least twice a month to check the consistency of accounts, account tables, account books and account certificates, and record the inspection contents in the "important blank voucher inspection register" and sign it for future reference. Important blank vouchers (Jinnong Card and manual loan receipt voucher) that cannot be linked with the integrated business system will be replaced and cancelled.
Third, the management of cash on hand:
Strengthen the management of cash on hand, count the damaged coins in stock, turn them over in time, and keep cash on hand scientifically. According to business needs, allocate cash flexibly, safely and efficiently, and reduce the occupancy rate of cash on hand.
Four. Management of collateral and pledge:
Mortgages and pledges can be put into storage by special personnel, and social directors, security officers and accountants can check the warehouse regularly to ensure that the accounts are consistent with the facts.
Five, lead the front desk staff to learn business:
Basically, employees can be organized to learn accounting professional knowledge every week, and the spirit of various documents, related systems and notices can be associated. At the same time, the learning system of basic business knowledge and rules and regulations has been established, so that the learning is recorded and studied no less than 4 times a month.
Six, the establishment of manual account books, accounting and accounting management:
Be able to establish account books according to the standard account books issued by the financial accounting department. The manual subsidiary ledger established by this institution includes "132 1 interest receivable", "139 1 other receivables", "243 1 remittance payable", "262 1 other payables" and ". All the above manual account books have established corresponding electronic account books.
Seven, cost management and control:
Carry out financial accounting and expense management in strict accordance with the proportion and limit stipulated by the Associated Press; All expenses should strictly implement the "three sign" system, and the cost overruns can only be recorded after approval. This year, there was no documented compliance fee, which exceeded the fee limit set by the Associated Press.
Eight. Reconciliation of internal and external accounts:
The reconciliation of internal and external accounts shall be carried out in strict accordance with the Measures for the Administration of Bank-Enterprise Reconciliation in Zongyang County and relevant regulations, and the reconciliation management register and ledger shall be established and improved. Our company has six corporate current accounts, agency transactions and remittances that can be substituted for checking, and the report recovery rate reaches 100%. You can check all company accounts face to face every quarter.
Summing up the work of 20xx, I feel that there are still some gaps and deficiencies in the following aspects, which need to be rectified and implemented in the new year: First, there is a big gap in the quality of employees and the team spirit needs to be improved. Second, the total amount of deposits is unstable, and measures to raise funds need to be strengthened. Third, the internal management and internal control system need to be further strengthened.
Annual work summary model essay 2 1, credit cooperatives accounting: strict accounting, strengthening internal management and standardizing accounting behavior.
All business activities of credit cooperatives should be reflected through accounting. Accounting is the first line of defense of internal control, and it is particularly important to strengthen accounting supervision. At the beginning of the year, according to the comprehensive teller system accounting system formulated by the Finance Department, our company made a list of division of labor for tellers, so that every accountant cashier can complete the transition from double-check system to teller system in a relatively short time, master the operation process skillfully, and handle various businesses according to the rules and procedures. Establish a regular and irregular inspection system, and adhere to the post supervision and assessment system. Strictly strengthen the management and control of important blank vouchers, securities, seals, internal current accounts and cash on hand. Fully implement the post supervision inspection system for accounting business. This year, according to the characteristics of the teller system, our agency set up a post supervision post for accounting business, and conducted a comprehensive inspection and supervision of daily business the next day, and conducted a monthly inspection of accounts, accounts, accounts and internal and external accounts. Afterwards, the supervisor carefully recorded the post supervision and reported the problems to the accounting supervisor in time. Accounting supervisors focus on spot checks, discover and correct existing problems in time and plug loopholes. Check the implementation of the accounting system of credit cooperatives at least once a month, and timely feedback and correct the problems found. Strict implementation of accounting business operation procedures, in accordance with the provisions of the preparation and delivery of accounting vouchers; Accounting adheres to the principle of double-line control of comprehensive accounting and detailed accounting; Accounting treatment should conform to the corresponding accounting procedures; Important accounting matters, such as correcting wrong accounts, making large payments, modifying account information and any accounting treatment outside working hours, must be approved by the accounting supervisor. Microcomputer handles accounting business and implements strict management regulations and operating procedures. Computer operators of credit cooperatives operate in strict accordance with the prescribed authority, and the authorized business is authorized by designated personnel. Personal passwords should be changed regularly or irregularly to prevent them from being compromised. The data printed by microcomputer should be managed and properly kept by special personnel. The binding, storage and reading of vouchers in the general accounting statements should be carried out in strict accordance with the regulations.
Two, the establishment of accounting personnel training mechanism, improve the accounting personnel's political and ideological quality and professional skills, enhance accounting risk awareness and risk prevention ability.
Our organization often organizes accountants to analyze, summarize and discuss the financial cases that have happened, so that their risk awareness is deeply rooted in the hearts of the people. At the same time, speed up the training of managerial accounting talents, improve the management level and improve the ability to prevent accounting risks. This year, in view of some people's weak ideological and moral concepts and lax internal management, our agency has strengthened the study of accounting law, negotiable instrument law, payment and settlement methods, financial penalties and other laws and regulations. Carry out the activities of loving their posts and being dedicated to their work, and educate and train accountants in political thoughts, professional ethics, laws and regulations, professional knowledge, operational skills and computer knowledge in various ways. Through political study, on-the-job training, business competition and other forms, such as deposit and loan interest, copying hundreds of subpoenas, abacus addition, subtraction, multiplication and division examination and self-study examination of Accounting Law, etc., the quality of accounting personnel in credit cooperatives will be comprehensively improved. Earnestly implement the reward and punishment system for accounting work, and commend and reward those who have made remarkable achievements, blocked loopholes, avoided risks and cases in accounting work. Informed criticism will be awarded to the relevant personnel who fail to implement the accounting system and make more accounting errors. Full implementation of post responsibility system, and regular rotation of important posts. In strict accordance with the requirements of post setting stipulated in the system, accountants are equipped, and the work authority and post responsibilities are defined according to the principle of mutual restriction. At the end of the year, rewards and punishments will be strictly carried out according to the performance of post responsibilities. Credit cooperatives important positions (bookkeeping, interbank, bill exchange, etc.). ) implement a regular rotation system. The accounting personnel shall be handed over clearly, and the supervision procedures shall be strictly implemented.
Third, do a good job in account management, cash management and financial management.
1. According to the Management Measures for RMB Bank Settlement Accounts, the Bank strengthened the management of settlement accounts, large amounts of cash and RMB to prevent financial risks. In accordance with the unified arrangements of the Associated Press, the Bank inspected the management of large cash and RMB bank accounts, completed the relevant settlement procedures with incomplete account information, strengthened the settlement discipline of credit cooperatives, and launched the "anti-counterfeiting RMB" activity, which enhanced the anti-counterfeiting ability of front-line employees. Establish an examination and approval system in cash management, check for leaks and fill gaps, and ensure compliance and legality.
2, strengthen financial management, do a good job of increasing income and reducing expenditure. Strengthen cost management and practise economy. At the beginning of the year, based on the guiding ideology of "efficiency first" and on the basis of last year's financial revenue and expenditure, we made repeated calculations, rationally set various financial indicators, and made clear the business direction and responsibility objectives. Deepen financial management, standardize financial behavior, and maximize revenue and expenditure. According to the experience of dual management of financial expenditure last year and the actual situation this year, we will deepen the financial management methods of "total control, giving priority to benefits, exceeding quota, stopping expenditure by quota, making financial affairs public and managing finances democratically", and refine all financial indicators this year to monthly and monthly control, laying a foundation for the smooth realization of this year's profit plan.
Fourth, enhance service awareness and improve service quality.
Establish the idea of "service first", put service first, implement the concept of quality service in every business and every link, win credibility, win customers and win the market with quality service. Counter staff are required to pursue fast and accurate business handling and minimize the waiting time of customers. Strive for service innovation and achieve "enthusiasm, sincerity, patience and care"; From "standard service" to "star service" and "brand service"; In terms of standardized services, it mainly focuses on shaping the overall visual image, standardizing the clothing instrument and language of employees, and starting from the "customer satisfaction" in "star service", strengthening service measures, carrying out on-site services, guiding warehousing services and publicizing service commitments; From the aspect of brand service, it is mainly to broaden the service connotation, carry out characteristic services and enhance the social image with the help of public welfare activities, which has changed the situation that counter deposits have been declining in the past and maintained the stability of counter deposits.
Five, strengthen the security work, to ensure safety without accidents.
Actively do a good job in keeping the warehouse on duty, and the personnel on duty must arrive at their posts on time, especially during holidays, take regular and irregular safety spot checks, regularly check that the safety equipment of each post is in place, and often study and practice the anti-robbery and anti-theft plan during the business period and the storage period of the warehouse on duty to ensure the safety of collective property and personal life. Insist on checking the library four times a month, and combine regular and irregular checking to prevent delay.
Looking back on the accounting work in 20xx years, we still have many unsatisfactory places. In 20xx, we will do well in the following aspects:
1. Strengthen expense management, be diligent and frugal, and put an end to wasteful behavior;
2. Continue to strengthen the assessment of the operation process and system implementation of each post.
3. Continue to do a good job training to ensure the continuous improvement of business skills.
4. Continue to do a good job in standardized management of basic accounting work.
Summary of Annual Work Fan Wensan, Accountant of Credit Cooperatives, in the past year, our department has conscientiously implemented the "three rural" principles and policies of the Party and the state, strictly implemented the relevant provisions of financial laws and regulations, operated according to law, formulated and improved the construction of internal control system, strengthened cost awareness, actively expanded business channels, reduced expenses and improved accounting level and operating efficiency. Under the leadership of the Party Committee of the Associated Press, we worked hard to complete the tasks assigned by the Office of the Director of the Associated Press, closely cooperated with the work of other departments, and put the main work on serving the grassroots, and successfully completed all the work this year. Now we will summarize and report on this year's work.
First, formulate reasonable business objectives to ensure the completion of various indicators throughout the year.
At the beginning of the year, in line with the principle of "benefit first", according to the business objectives and tasks set by the provincial association and the completion of our business objectives last year, the objectives and tasks of organizing funds at various outlets were scientifically and reasonably formulated, and the first quarter fund mobilization meeting was held on 1 month 1 day, which further improved the ideological understanding of all staff and clarified the objectives and tasks of organizing funds. In February, the accounts of various business outlets were repeatedly calculated, various financial indicators were reasonably set, the responsibility system for business objectives was signed with the directors of various outlets, the comprehensive assessment methods for business management were revised and improved, and the business direction and responsibility objectives of various outlets were clarified. 1 1 month, according to the actual completion of the business objectives of each outlet, combined with the changing characteristics of the local market economy, adjust the business objectives of each outlet in time, and further lay the foundation for the smooth realization of this year's profit plan. 1 1 At the end of the year, the balance of various deposits was RMB * * * *, an increase of RMB * * * over the beginning of the year; The balance of various loans is * * * million yuan (including discounted * * * million yuan), an increase of * * * million yuan over the beginning of the year; The balance of non-performing loans is * * * * ten thousand yuan (excluding debt-paying assets), which is * * * ten thousand yuan less than when copying and copying this information was strictly prohibited at the beginning of the year. Non-performing loans accounted for *% of all loans (including discount), down *% from the beginning of the year. The total book surplus of the whole jurisdiction was * * * billion yuan, an increase of * * * billion yuan over the same period last year. It is estimated that by the end of 65438+February, the balance of various deposits will reach * * * * billion yuan, an increase of * * * billion yuan over the beginning of the year; The balance of various loans is * * * million yuan, an increase of * * * million yuan over the beginning of the year; The balance of non-performing loans was * * * billion yuan, down * * billion yuan from the beginning of the year, and non-performing loans accounted for *, down *% from the beginning of the year; The whole jurisdiction realized various incomes of * * * yuan, various expenditures of * * * billion yuan and book surplus of * * * billion yuan.
Two, strengthen financial management, standardize financial behavior, and strive to increase revenue and reduce expenditure.
1. According to last year's financial management experience, combined with the actual situation of this year's reform, based on the principle of "total control, benefit priority, fixed expenditure, over-quota approval, stopping over-quota expenditure, financial disclosure, democratic financial management", we will implement annual quota control on expenses such as utilities, public fees, post and telecommunications fees, and pay business entertainment expenses in strict accordance with 5‰ of interest income. Other expenses must be reported to the Associated Press for approval, and the next reply will be regarded as. At the same time, considering all aspects of the situation, each outlet has increased the cost of * * * yuan, thus ensuring the cost required for the operation and management of each outlet.
2, standardize financial behavior, reasonable control of financial expenses. Continue to implement the Measures for Financial Management of Rural Credit Cooperatives and the Expense Reporting System. Under the management of the expense management committee of the Associated Press, the scope, standards, examination and approval authority and procedures of financial expenses have been regulated in detail, and the management system of the expense management committee has been continuously improved. All expenses except the approval fee will be reported to the expense management committee for study and approval in advance. By the end of June, 1 1, the expenses approved by the financial management committee were * * * * *, including various prepaid expenses * * * *, purchased low-value consumables * * *, various repair expenses * * * and non-operating expenses * * * *.
3. Reduce the proportion of interest-free funds and strengthen the management of interest receivable. By the end of 1 1, the book balance of interest receivable of the Bank was * * *, which exceeded the risk control warning line of the banking supervision department. My department according to the actual situation, at the request of the Secretary's office, adhere to the principle of "who divides the area, who is responsible for cleaning up", tracking and urging the outlets to clean up within a time limit. As of the end of 1 1, the balance of interest receivable is RMB * * *, and it is expected that the liquidation of interest receivable will be fully completed by the end of the year.
Three, timely collection of illegal investment, standardize investment behavior.
According to the requirements of the banking supervision department and the provincial association to clean up illegal investments, the collection of illegal bonds and insurance investments was intensified, and Shen Yin's national debt of * * * million yuan and insurance investment of * * * million yuan were collected in time through door-to-door collection and negotiation, telephone inquiry and online inquiry, and consignment. At present, there are still * * million yuan of insurance investment that has not been recovered, and we are continuing to negotiate with Pacific Insurance Company for compensation; Pay close attention to the custody of southern securities. Once the creditor's rights are confirmed, the ten thousand yuan national debt investment of Southern Securities will be recovered in time. In order to standardize the investment behavior and ensure the safe and efficient operation of funds, our department formulated the Measures for the Administration of Investment Business of Rural Credit Cooperatives in * * in 10 this year, which stipulated the investment business behaviors such as fund lending, bond trading and bond repurchase in the inter-bank bond market. /kloc-since 0/0, the provincial association has been entrusted to buy bonds of RMB * * * million in the inter-bank bond market, and at the same time, it has carried out short-term capital lending business with the provincial association, which has improved the efficiency of capital use.
Four, apply for the issuance of special central bank bills * * ten thousand yuan.
In order to further deepen the reform of rural credit cooperatives and make good use of national financial support policies, According to the Notice of the Ministry of Finance on the Pilot Program of Rural Credit Cooperatives Reform (Guo Fa [20xx] 15) and the Measures for the Operation of Special Central Bank Bills for Rural Credit Cooperatives Reform of the People's Bank of China (Yinfa [20xx] 18 1 0) and the Implementation and Assessment Guidelines for the Pilot Financial Support Program of Rural Credit Cooperatives Reform (Yinfa [20xx] The plan of capital increase and share expansion in the first quarter and the approval of * * Banking Supervision Branch invite accounting firms to conduct capital verification, and at the same time, increase capital and share expansion to enrich capital, and take measures to clean up and reduce non-performing loans. In the second quarter, the central bank's special bills were successfully issued * * billion yuan, which met the conditions for applying for early redemption at the end of the second quarter.
Five, enrich the capital, enhance their business strength and ability to resist risks.
According to the requirements of rural credit cooperatives of "self-financing, self-management, self-financing and risk-bearing", through publicity, raising equity, improving corporate governance structure and other necessary procedures, * * * increased equity by * * billion yuan, effectively supporting local economic development, strengthening the "three rural" services, and enhancing their own operational strength and risk resistance.
Six, strengthen the construction of internal control, blocking the occurrence of economic cases.
1. In order to further standardize the business operation of rural credit cooperatives, strictly implement various internal control systems, strengthen internal management, promote the legal and compliant operation of business outlets, and prevent all kinds of cases from happening, the Bank revised and supplemented the Measures for Punishment of Rural Credit Cooperatives for Violating Business Management Regulations and Business Operating Procedures on * *. The internal control system assessment is divided into financial accounting, information technology, capital operation, supervision and audit, security, human resources and asset preservation, and the punishment measures for various business operation processes are formulated in detail and completely. By means of punishment, we can effectively standardize various business operation norms, improve the professional quality of all staff, strengthen risk prevention and prevent illegal acts.
2. 10, 2 10 launched the "accounting mutual audit inspection" activity from June 0 to 25. Our department, together with the supervision and audit department, selected five business outlets, including * * * *, and organized them to be in charge of accounting, and divided them into five groups to conduct a comprehensive inspection of the accounting quality of accounting cashier business in the form of mutual accounting inspection. The mutual review team comprehensively accesses accounting files such as subpoenas, account books, statements and registers. For the inspected business outlets, combined with the daily business, summarize the good practices and shortcomings in the accounting cashier business process, form the working papers of accounting mutual review, and exchange the mutual review situation. After the activity, our department and the supervision and audit department clarified some operations and formulated the key points and methods of accounting guidance and inspection in the future. This activity not only adapted to the operation requirements of the new business system, standardized the operation behavior of accounting cashier business, but also further improved the internal control system and eliminated potential safety hazards.
Seven. Strengthen account management, cash management and RMB management to prevent financial risks.
Since the beginning of this year, in order to strengthen the bank's account management and cash management and meet the needs of the banking supervision department and the People's Bank of China, the bank has carried out account management inspection and large cash inspection respectively. The inspection is divided into three stages: in the first stage, according to the Measures for the Administration of RMB Bank Settlement Accounts and the Measures for the Administration of Cash, all grass-roots outlets first conduct self-inspection, form a self-inspection report and report it to our department; In the second stage, our department will summarize and analyze the self-inspection reports of various outlets, and form a report to be submitted to the banking supervision department and the People's Bank of China; In the third stage, cooperate with the banking supervision department and the People's Bank of China to conduct spot checks on all outlets. Inform the illegal withdrawal of cash, illegal opening of basic account and other issues found in the inspection, and punish relevant personnel in combination with punishment measures, requiring that this information be attributed to the secretarial resource network within a time limit, and copying, plagiarism and rectification are strictly prohibited. Through on-site guidance and problem discussion, the inspection has improved the theoretical level and business ability of the backstage staff of grass-roots outlets, standardized our business operations such as account opening, change, account cancellation and RMB cash deposit and withdrawal, and further ensured our legal and compliant operation. In July, combined with the "Anti-counterfeiting Publicity Week" held in the whole city, anti-counterfeiting publicity activities were actively carried out in Zhou Zhen farmers' market and Xincheng Street. This anti-counterfeiting activity not only enhanced the anti-counterfeiting ability of backstage staff, but also improved the public's anti-counterfeiting awareness and ability to identify counterfeit money, effectively preventing financial crimes and financial risks.
Eight, strengthen training, strengthen counseling, improve the level of accounting work.
1. Taking advantage of the opportunity of the regular accounting meeting, the accountants of all outlets were organized to learn the Operating Rules for the Collection of Administrative Confiscations, the Administrative Measures for Bank Acceptance Bills of Rural Credit Cooperatives and the Operating Rules for Bank Acceptance Bills of Rural Credit Cooperatives. After the comprehensive business was launched, the accounting, bookkeeping and savings personnel entrusted by various outlets within the jurisdiction were trained in operational business respectively, and the theoretical and operational practice examinations were conducted. Only those who have passed the exam are allowed to work. Since the beginning of this year, the Ministry of Finance has successively issued three accounting training textbooks: Cashier Training Textbook, Accounting Voucher Compilation and Binding Specification, and Statement Notes and Related Requirements of Rural Credit Cooperatives in * * City. According to the contents of the cashier business training textbook, the cashier was trained separately. Through many times of study and training, the theoretical knowledge level and practical operation ability of backstage staff have been continuously improved, ensuring that backstage staff can adapt to the new business system operation requirements after going online.
2. accounting check and consulting. Conduct on-site inspections on the implementation of the basic accounting cashier system, work quality, financial system implementation and management of important blank vouchers in each business outlet under its jurisdiction every quarter, promptly correct the problems existing in the inspection on the spot, and impose fines and notifications on relevant responsible persons for violations, so as to promote the outlets to seriously implement various rules and regulations.
Nine, the next year's work objectives
1. Strengthen the business training and assessment of counter personnel, organize technical training and skill level evaluation, and strive to improve the quality of business personnel.
2. Carry out the research on teller system, and strive to implement the teller system as soon as possible.
3, improve the internal management system, do accounting according to law, compliance management.
4. Strengthen accounting guidance and inspection to eliminate potential safety hazards.
Annual work summary Fan Credit Union accountant, working for 20xx years. With the care of the leaders of the credit cooperatives and the help of all the comrades, I earnestly studied my business knowledge and skills, actively performed my duties, successfully completed this year's work tasks, and improved my ideological consciousness, professional quality, operational skills and quality service. This year's work is summarized as follows:
1. Strengthen study and strive to improve political and professional quality.
Over the past year, I have been able to seriously study Deng Xiaoping's theory of building Socialism with Chinese characteristics, consciously implement the line, principles and policies formulated by the party and the state, and have the consciousness of serving the people wholeheartedly. Can abide by the law, dare to fight against illegal acts, be loyal to their duties, seek truth from facts, be honest and abide by professional ethics and social morality. After learning the spirit of Theory of Three Represents, I can better understand the connotation of the spirit of Theory of Three Represents. In the process of studying "Theory of Three Represents" theory, I can find out the existing problems and places where I can't understand the spirit of "Theory of Three Represents" in time, and strengthen my study in time to correct them, so that I can make progress in my ideological consciousness. At the same time, I studied financial business knowledge in my spare time and enriched my work experience, which greatly improved my ability to integrate all kinds of learning materials distributed by the Associated Press, applied what I have learned, and improved my professional work ability, comprehensive analysis ability, coordination ability, writing and language expression ability.
2, carry out their duties, down-to-earth to do their job.
I love my job, I can treat every task correctly and seriously, I can flexibly reflect the financial policies and spirit of the party and the country in my work, I can take the initiative in my work, I can seriously abide by various rules and regulations, and I can complete the tasks assigned by the leaders in time. First of all, strict rules and regulations should be adopted to ensure the quality of credit assets. As a credit accountant, I deeply feel the heavy burden on my shoulders, and a slight negligence may lead to credit risk. So I constantly remind myself and constantly enhance my sense of responsibility. Grasp the first level of credit asset quality. Second, adhere to the principle of credit and do a good job in loan review. I know very well that the quality of credit assets is related to the development plan of credit cooperatives, and the responsibility is more important than Mount Tai, so we can't be careless at all.
Over the past year, I have adhered to the "three checks" system of loans and the credit management system formulated by the Associated Press, and carefully examined every loan, from the borrower's subject qualification, credit status, current situation and prospects of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of mortgage and pledge; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production and sales profits, the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully checked every link without any slack. In the pre-loan review, I achieved the "three musts", that is, the loan conditions must conform to the policy, the loan documents must be legal originals, the lenders and guarantors must be present to verify and sign, and strangers should be regarded as acquaintances, thus ensuring the compliance and legality of loan issuance. The third is to improve the quality of work and do a good job in the management of basic credit information in a timely and accurate manner. Recording, collecting and managing basic credit information is one of the important tasks of credit reporting agencies. This work is tedious and important, and needs to be done frequently. I insist on handling accounts on the same day, from account, account to card insertion and card return; From the cancellation of accounts, recording of interest, to the registration of borrowers' economic files, all inspections were not completed overnight. In just 20xx years, our agency has lent more than 20 million yuan, reaching out to thousands of businesses without any mistakes.
3, sincere unity, improve operational efficiency.
Over the past year, my colleagues and I have been able to do a good job of unity, obey the arrangement of the leaders, actively do other work, and work together for the smooth completion of the business objectives of the whole society. First of all, I try my best to get a deposit. I often use my spare time to visit relatives and friends to mobilize savings deposits and spare no effort to strengthen the strength of credit cooperatives. It absorbed more than 600,000 yuan in the whole year and successfully completed the tasks assigned by the credit cooperatives. Second, I actively promote loans. I constantly strengthen the awareness of loan marketing, get rid of the idea of "fear of loans", look for borrowers with good benefits, take the initiative to do a good job in market research of borrowers on the premise of ensuring the quality of credit assets, and give credit support to those individual industrial and commercial households with market and credit. I have accumulated more than 2 million loans throughout the year, and the balance at the end of the year is 6.5438+0.5 million, without any overdue. Third, I strive to complete other tasks assigned by the leaders. In addition to doing my own job, I also do other work according to the arrangement of the leaders, such as collecting money at home every day, going deep into the school to collect tuition fees during the peak season and so on. And I can coordinate with you to complete the task together.
Looking back on the work in the past year, I feel that there are still many shortcomings. First, my professional quality has not improved rapidly, and I have not learned enough new business knowledge. Second, there is still a gap between my work and other peers, and my sense of innovation is not strong; Third, I am only satisfied with completing my own tasks, and my work is not bold enough. In the new year, under the leadership of professional departments and credit cooperatives, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, perform my duties and obey the leadership. Be a good employee assistant, work together with all the employees, Qi Xin, unite as one, and make your own efforts to improve the operating efficiency of our company and complete all the objectives and tasks in 20xx.
I recommend it carefully.