Yanzhou is located in the northeast corner of Changning City, Hunan Province, where the traffic is relatively closed, the urban economy is relatively backward and the human environment is relatively poor. However, in this "barren" land, a gorgeous "flower of credit cooperatives"-Yanzhou Rural Credit Cooperative has blossomed. She has a team of 1 1 social workers with an average age of less than 30, and 18 business liaison (formerly known as rural credit cooperatives). In recent years, under the solid work, unity and hard work, pioneering and enterprising of this team, it has created the glory in the history of Yanzhou Rural Credit Cooperative. All businesses have developed rapidly and healthily in an all-round way, the financial strength has been significantly enhanced, and the development path has been broadened day by day. By the end of last year, the balance of various deposits and shares reached 50.6 million yuan, with a net increase of 7.85 million yuan, accounting for 1.57% of the task. The loan balance is 3 1.99 million yuan, of which the balance of non-performing loans is 9.65 million yuan, accounting for 30%, and the net decrease of non-performing loans is 890,000 yuan, accounting for 1 12% of the task. The total financial income is 2.46 million yuan, including interest income of 2.24 million yuan and surplus of 460,000 yuan, accounting for 65,438+0,365,438+0% of the planned amount. Looking back on their past work, they have achieved the following points.

First, grasp deposits and highlight a "smart". As we all know, the service means and settlement function of rural credit cooperatives are relatively behind other professional banks, which seriously restricts the expansion of rural credit cooperatives' deposit business. At present, how to expand the deposit scale, strengthen the financial strength and increase the market share is the trouble of believers. At this point, Yanzhou Rural Credit Cooperatives overcame the congenital deficiency, found a new way, did a good job of "cleverness" and won by "cleverness". One is to find the source of storage skillfully. As the saying goes, "only the source of living water comes", and grasping deposits depends on the source of storage. As a relatively backward area, there is no pillar industry, so the labor income of migrant workers has become the main storage source of this institution. Agencies can grasp the income of migrant workers door by door through the basic information table of migrant workers, and provide a basis for the staff of agencies to collect and put into storage. Now labor income has become the main savings growth point of this institution. Last year, the agency recovered nearly 5 million yuan from the deposits of migrant workers. The second is to weave the storage net skillfully. Specialized banks have networks, and agencies have their own "networks", which are divided into two types. One is "People's Network", where each liaison officer has an information officer in the village group under his jurisdiction, so that each group has a mobile phone website to provide them with information at any time. The other is the telephone network. In recent years, the agency has issued 6,000 business contact cards with the phone numbers of the agency and its contacts printed on them, which is convenient for migrant workers to contact and remit money. Last year, as much as 6.3 million yuan was remitted to the institution, and more than 3 million yuan was transferred. The third is to skillfully stabilize depositors. In terms of stabilizing deposits and depositors, the agency has done a good job in two aspects. First, through the enthusiastic service of the counter staff, the service quality has been improved and a number of small depositors have been stabilized; Secondly, by recording the details of large depositors, we will strengthen our contact with them at any time and provide high-quality VIP services, such as notifying money transfer, agency procedures, and door-to-door services. There are also home visits, small gifts and strengthening emotional ties before and after the Spring Festival. According to statistics, by the end of last year, there were 138 households with deposits of more than 50,000 yuan, amounting to 8.57 million yuan.

Second, focus on revitalization and highlight a "toughness." Revitalizing is the fundamental way to improve the quality of loans, and clearing is the key to revitalizing. The association is fully aware of the importance of this work. At the same time, in the face of the "cancer" of old loans, we are also clearly aware of its arduousness. Last year, according to the situation of paying off old loans and years of experience in collecting loans, the agency adjusted its strategy in time, adopted a "protracted war" and implemented a "tough battle." At the beginning of the year, set the annual collection target and clarify the responsible person. The person in charge is required to collect money at home twice a month, and each time the collection time is not less than 2 hours, and each time a reward is required. For some "critically ill households", credit cooperatives organize professional teams to focus on surprise collection every quarter and decompose them one by one. For example, Jiang Guisheng of Mashi Village borrowed 1.34 million yuan from the cooperative in the early 1990s and never returned a penny. In recent years, the household has made money, and the branch loan officer has repeatedly failed to collect it. After that, the social director led the team to sit at the door for five consecutive days, and finally recovered all the principal and interest at the end of the year.

Third, pay attention to efficiency and highlight a "fine". The agency achieved a surplus of 460,000 yuan for the first time in history last year. Needless to say, the internal motivation to boost it is that the loan interest is 2.24 million yuan, and the interest income has increased by 740,000 yuan year-on-year. Although the expansion of loan scale is the main reason, there is another factor that cannot be ignored-"fine income". The agency strictly implements the loan interest rate policy. On the one hand, strictly implement the loan interest rate policy, and the loan will default interest. On the other hand, during the loan period, when the interest rate is raised, negotiate with the borrower to implement the new interest rate. Two items urged the agency to overcharge the annual interest 1 1.8 million yuan. At the same time, we should be cautious in financial expenditure and practise economy. Several special control flexible expenses did not exceed the standard at the end of the year, and the expense rate was 5 points lower than that of the whole city.

Fourth, pay attention to supporting agriculture and highlight a "sincerity". Economy determines finance, and finance feeds back the economy. Yanzhou's traditional agriculture and backward economy suppressed the demand for credit funds, which made Yanzhou rural credit cooperatives have more surplus funds. How to achieve economic and financial prosperity? In recent years, the agency has always been based on "agriculture, rural areas and farmers", serving "agriculture, rural areas and farmers" and is committed to adjusting the industrial structure of the town and building a leading industry. In the work of supporting agriculture, we sincerely support a group of specialized households, sincerely support every project, and sincerely carry out the "Four Deliveries" activities. The loan officer of the cooperative dares to support, invest and be responsible, and successfully supports the development of 300 mu of high-quality orchards in Zhou Guohui, Li Qing Village, raising pigs 1 1,000 per year, and promoting it to be rated as a model worker in provinces and cities. Successfully supported 8 rice processing enterprises and 30 professional farmers who slaughter 200 pigs a year. By supporting a number of local projects, the agency's marketing credit funds totaled 5.7 million yuan last year, achieving interest income of nearly 400,000 yuan, and at the same time bringing output value income of more than 6,543,800 yuan to the whole town.

Fifth, grasp the team and highlight a "combination." Yanzhou Rural Credit Cooperative implements people-oriented project and emphasizes people-oriented. Man is the first factor of productive forces, as the saying goes, "unity leads to prosperity, while division leads to decline." Authorities pay attention to rallying people's hearts, often have heart-to-heart talks with employees and guide young employees to make progress. Strengthen the construction of corporate culture. Last year, I purchased a batch of sporting goods and facilities, and often carried out cultural and sports activities, which enriched the amateur cultural life of employees and made every employee live and work in peace and contentment, take society as their home, and love their jobs and dedication. Last year, employees stayed in the office for more than 25 nights every month, and there was no phenomenon of employees leaving their posts without permission. The salary of employees was assessed in time, and the bonus distribution was reasonable, fair and open, which effectively mobilized the enthusiasm of employees. They are young and energetic, and their work is full of enthusiasm, which broadens the development path of Yanzhou Rural Credit Cooperatives in Qixin.

Tang, director of Yanzhou Rural Credit Cooperative Association, said at the advanced deeds report meeting that in the face of current pressure, we should not be complacent when looking back on the past, but look forward to the future with confidence. In the year of reform, opportunities and challenges coexist, and pressure and motivation coexist. They are determined to make unremitting efforts, take advantage of the situation and create a more brilliant tomorrow for Yanzhou Credit Cooperative!