Second, the first way and the effect of things
In 2006, we will focus on the following aspects:
(1) Establish a scientific concept of development and enhance the ability of self-discipline. First of all, we should take growth as the top priority, hold high the banner of growth, further harmonize our thoughts on growth, seize the historical opportunity, take growth as the top priority of "making people rich and easy to get close to society" and establish comprehensive, coordinated, stable and sustainable growth. Relying on the policy support and efforts of the state, we will gradually overcome the burden of history, use growth to deal with the problems that need to be answered by others, and truly turn our county Tunzi Credit Cooperative into a mutual financial institution that meets the needs of current economic growth. Second, improve the ability of self-discipline. To do business, we should not only expand our business, but also guard against harm; It is necessary to deal with the problems that need to be answered by others at present, and to operate actively for a long time, taking into account both. At the same time, change the management concept and change "I want to grow" into "I want to grow". We should not only do things to accomplish our mission, but also increase the pressure, firmly establish the growth idea, obtain the growth blueprint, enhance our autonomy and excuse the business environment, so as to keep growing.
(two) to consolidate the people-oriented management, strengthen business training, improve the spirit of the team. Talent is an important factor that constitutes the core competitiveness of enterprises. In the new year, we will comprehensively consolidate people-oriented management and strengthen the equipment arrangement of the team from the perspective of "arming the brain, guiding practice and urging things". Consciously do a good job in the business training of front-line bank depositors, highlight the internal substantive significance of financial laws, various rules and regulations, business philosophy and bank deposit business standard operating procedures and requirements in the internal substantive significance of training and training, and train and train a group of employees with strong political skills, high taste, good business skills and adaptability to the new process in a short period of time. Earnestly study financial policies and superior documents, strive to improve political awareness and business essence, and strengthen the spontaneity of complying with laws and regulations. 17 April to 19 April, five-level centralized loan training was conducted for bank depositors, bookkeepers and some agents in the county * *165438, and in June 10, the directors of credit cooperatives and bank deposit managers in the jurisdiction were trained. At the same time, we cajole rural supervisors to supervise and inspect things, and often conduct on-site teaching and training for bank depositors. Supervisors urge them to speed up the promotion of business essence and business technology as much as possible to meet the requirements of things.
(3) Highlight the key points of supporting agriculture, do a good job in capital operation, and actively support the allocation of equipment and furnishings in the new socialist countryside. "Taking agriculture as the foundation and doing things for agriculture" is the working purpose and eternal theme of Tunzi Credit Cooperative. 2006 is the first year of the growth plan of "June 5438+1October 65438+1October 5". The Central Committee of the Communist Party of China and the State Council pay close attention to the issues concerning agriculture, countryside and farmers, which requires Tunzi Credit Cooperative to take supporting agriculture, enriching agriculture and promoting agriculture as its own responsibility, closely follow the procedure of optimizing the distribution of county assets, and strive to improve the level of supporting agriculture. We should establish the concept of "big agriculture" and modern agriculture, set sail from the height of supporting our county's "10+ 1+5" growth plan, improve the synchronous intermediary between the bank deposit layout and our county's economic layout, and improve our county's harmonious social form and the configuration and equipment of new countryside.
First, deepen the bank's small bank deposit platform and consolidate the foundation of bank deposits to support agriculture. The "Million" campaign is solid and useful. For the business philosophy of "agriculture-oriented, facing agriculture, rural areas and farmers", bank deposits focus on "agriculture, rural areas and farmers" loans and bankers' micro-credit loans, focusing on supporting bankers' capital needs in planting, breeding, processing, transportation, tourism and work. On this basis, we will launch the "Million" campaign in an all-round way, highlight the key points of loan marketing, increase support for agriculture and optimize the layout of bank deposits. Taking advantage of the opportunity of spring ploughing in the first quarter to prepare for ploughing, the credit cooperatives launched the "million" activities in their jurisdiction, further corrected their business ideas, focused their work on supporting the production of agriculture, rural areas and farmers, mediating the layout of village property and increasing farmers' diversified income, increased useful bank deposits, expanded the loan marketing scope and optimized the bank deposit layout. Go door-to-door to organize useful loan marketing, accept popular situations such as wall signs, blackboard newspapers, billboards and leaflets, increase marketing propaganda, and widely publicize the financial services of Tunzi Credit Cooperative. Carry out in-depth activities of sending science and technology, information, common sense and loans to the countryside, carry out door-to-door marketing, keep close contact with farmers and guide them to become rich. After a long and profound three-dimensional publicity campaign, more bankers and public figures will know and be familiar with all kinds of financial products of Tunzi Credit Cooperative, and strengthen the magic of Tunzi Credit Cooperative to the market. Do a good job in inquiring about the deposit demand of Tunzi Bank, grasp the bank deposit fund demand of bankers and private enterprises within its jurisdiction, explain the new environment of deposit demand of Tunzi Bank and new topics that need to be answered by others in time, study methods, and rationally allocate funds to ensure the needs of agriculture, rural areas and farmers. On the basis of doing a good job in inquiring and visiting bankers' financial needs, we will expand the distribution area of bankers' micro-credit loans and the amount of bankers' loan vouchers to meet bankers' useful bank deposit needs in time and ensure the source of repayment. In particular, timely support was given to the demand for bank deposit funds generated by farmers' spring ploughing production in the first half of the year, and a total of 256,543.80 million yuan of spring ploughing funds were distributed to help farmers increase their income. Bank deposit marketing focuses on bankers. Focusing on increasing farmers' income, we will fully promote bankers' micro-credit loans and further expand the coverage of bankers' loans. In the whole year, 82.24 million yuan of micro-credit loans were granted to bankers to cultivate and promote new income growth points. In the "Million" campaign, 17266 households made advance deposits, amounting to 69.54 million yuan, 14888 households committed loans, amounting to 85.54 million yuan, and 5437 households made advance subscriptions, amounting to104,000 yuan. During the activity, 7,555 households received advance deposits of 42.9 million yuan, increased their share capital 1.382 households 21.2000 yuan, issued promised loans of 67.93 million yuan to 6,542 households, recovered the principal of 7 1.49 yuan, made profits of 9.66 million yuan, and recovered non-performing loans1.
The second is to innovate the way of supporting agriculture and optimize the rural credit environment. First, establish and improve bankers' financial and credit files to improve the degree of supporting agriculture. After the trip, I became more familiar with it, and regarded the establishment of bankers' credit files as a fundamental thing for Tunzi Credit Cooperative to innovate agricultural support services and improve the degree of bank deposit handling. During the "Million" campaign in the first half of the year, I conducted door-to-door inquiries and visits, approved and mediated the credit rating review of the original evaluation, established credit files for 69,625 bankers in 2/kloc-0 administrative villages in the county, and evaluated credit users. The credit rating of 9,709 households has been improved, and the credit rating of 4,040 households with reduced credit costs has been lowered, and efforts have been made to make the files true, accurate, standardized and standard. The second is to vigorously promote the equipment arrangement of the village "credit" project and vigorously build the village credit project. Comprehensively promote the county's "credit" engineering equipment arrangement, and carry out "million" activities in depth after the journey. Based on the evaluation of credit users, institutions have found out the policy of building "credit village" according to the evaluation norms and premise of credit village. In the following activities, we intend to strengthen the cultivation, maturity and evaluation of the credit town to be built, and further optimize the credit environment of the village.
Third, increase investment in bank deposits and focus on supporting the growth of the four major industries in our county. We regard the development of characteristic and efficient agriculture as the key to the strategic adjustment of agricultural layout, vigorously promote the management of agricultural assets, and focus on helping farmers grow advantageous industries such as fruits, livestock, vegetables and grass. We take Fengtai Zhangweicha, Yaodian Princess and Gaoping Hujiayu as planting habit orchards, and allocate equipment to equip 368 farmers with lifestyle orchards. Elephant, * * * sent a sum of15.82 million yuan. Taking Yaodian Aoxin Village, Gaoyao Temple in Yundong and Hujiayu Village in Gaoping as supporting fruit banks, the equipment allocation and decoration project brought 9.8 million yuan to elephants, helped 15 households and built 2 1 fruit banks. With Wangcun, Jingming, Luohandong and Chengguan as the key vegetable planting states, * * * invested 6.5 million yuan to build 80 greenhouses/kloc-0 and plant more than 5,200 mu of vegetables. Focusing on the three villages of Dangyuan Dingzhai, Jia Fan and Yongfeng, we helped 139 farmers to raise pigs in greenhouses, equipped with 80 cowsheds and 320 cows in greenhouses, and * * * promoted the capital 1 1.5 million yuan. Among them, there are 720,000 yuan pig farmers 130 households in the greenhouse and 4,795 live pigs/KLOC-0; 3.9 million yuan to build 63 cowsheds; Put 3 1 1 household 9.8 million yuan to raise cattle in greenhouses, and raise 18 15 beef cattle. Focusing on Liu Wanghe in Honghe and Yinjiawa in Du Yu, * * * invested 7.3 million yuan to help 160 typical grass and livestock farmers. The upper limit has played the role of the main force in supporting agriculture, improved the water security of agricultural groups, increased farmers' income, increased farmers' income, and the credit cooperatives won, making it a fact that social farmers "* * * won".
4 vigorously support the growth of the non-public economy, focusing on supporting the growth of leading agricultural enterprises and project leaders. Meritorious selection has given great support to the growth of private enterprises and individual industrial and commercial households with good growth prospects. For example, North-South Trading Company was given a working capital loan of 6.5438+0.6 million yuan, Lianghe Winery was given a working capital loan of 6.5438+0.00 million yuan, Lin Nan Liability Company was given a working capital loan of 6.5438+0.00 million yuan, Longdong Auto Parts City was given a working capital loan of 6.5438+0.00 million yuan, and kiln shop equipment and furnishings were provided with a loan of 300,000 yuan. Zhang Huaicheng issued a working capital loan of 6.5438+0 million yuan for full-time work, a revolving loan of 250,000 yuan for Jingming Changwucheng Brick Factory, a household appliance sales loan of 6.5438+0.5 million yuan for Du Yucheng Jianping, a meat storage loan of 450,000 yuan for Bao Li Xieyulang and a revolving loan of 900,000 yuan for Wang Yong Project. Within half a year, * * issued such loans of 654.38+0.265 million yuan.
5. Give priority to supporting small towns with equipment and strive to support the growth of secondary and tertiary industries. Actively participate in key projects and projects determined by the authorities, and the credit cooperatives actively participate in inquiries, visits, evaluations and demonstrations of key projects and key projects determined by the county authorities. On the premise of meeting the basic requirements of loans, they actively participate in and support these key projects, especially the research and development of small towns and the equipment allocation of well-off houses, and invest 6.52 million yuan in the bank to allocate equipment for well-off houses in Jingmingshan, Fengtai Village of Fengtai Township, Dangyuan Jia Fan and Gaoping Tiefo.
(four) to consolidate the means of collection and eliminate the harm of bank deposits. Non-performing loans are the biggest historical burden that affects the sustainable development of Tunzi Credit Cooperative. It is necessary to adopt the strategy of paying equal attention to stopping and collecting, and concentrate on increasing the collection of non-performing loans. On the one hand, it is necessary to carefully analyze the actual situation of non-performing loans, timely monitor the newly-added non-performing loans one by one, and pay close attention to the key units and key responsibilities of newly-added non-performing loans in the first column of the jurisdiction in conjunction with key customers. On the other hand, new and old loans will be cut off. For units with more "old" loans, special policies should be given to create a relaxed environment for them to grow in the process to express their difficulties. At the same time, increase the handling and collection of "three refunds" loans, and combine the principle of collecting loans with the responsibility of the responsible person. The "three backs" loan 1 0,076,5438+0 was recovered in 470 yuan, and the "three backs" loan 1 0,076,5438+0,000 yuan was owed by public officials. And take measures to manually collect non-performing loans according to law. In the "Million" campaign in the first half of the year and the "Hundred Days Attack" campaign in June, 5438+00, all clubs combined with the actual situation, fought alone and concentrated on tackling the difficulties, and recovered a total of 53 10000 yuan of non-performing loans, laying a solid foundation for completing the annual plan ahead of schedule.
(5) Do a good job of collecting loan interest. Combined with the clean-up of non-performing loans, we should adopt useful methods to increase interest collection. On the basis of monthly, quarterly and annual interest settlement, the loan interest will be delivered to the interest-owed households on a regular basis, and nail households will designate special personnel to track and collect it, so as to give full play to the energy of ants gnawing at bones. Up to 65,438+February 3 1, the recoverable loan interest is 36.45 million yuan, and the annual plan can be completed.
(6) Strengthen the management of bank deposits, standardize business operations and improve the quality of bank deposit assets.
First, take heavy punches to investigate and deal with violations. In order to ensure the quality of new loans, it is necessary to strengthen the handling of the loan authority of depositors of various institutions and banks, prohibit them from issuing loans beyond their authority, and intensify the investigation and punishment of loans such as cross-regional loans and large-scale loans. In the first half of the year, nine illegal cases of credit cooperatives were investigated. In terms of the number of responsible persons, illegal cases brought 42 loans 1.685 million yuan, with a fine of 2,000 yuan, and illegal loans were limited every day. Five directors of credit cooperatives, including Wang Cun, failed to review the decentralized loan system, and were fined 100 yuan, and rectified within a time limit 1 day; If the directors of eight credit cooperatives, such as Fengtai, entrust money to agents, they will be fined 50 yuan everywhere, and the formalities will be supplemented and improved within a time limit; For 1, a credit cooperative failed to reconcile the loan slip on schedule, with 47 1 transaction of 7.299 million yuan, giving the credit cooperative a bookkeeping violation, leaving the director, and imposing financial penalties on 2 yuan for each transaction, and on-site mediation was in place. On June 65438+1October 1 1 day, a comprehensive hidden danger investigation was conducted again on the handling of bank deposits in the county. For the banker within the jurisdiction of full loan repayment, there are many questions that need to be answered by others, such as the property quality of his house and family, the incomplete elements of inquiry and visit, and the lack of standardized loan information. Through on-site teaching and training, the distance has been improved and standardized. For operational problems that need to be answered by others, such as false forms, high loan concentration, incomplete collection of words, and incorrect implementation of individual interest rates, the distance is delineated according to the rail system, and the standardized process is taught on the spot, and rectification is limited to one day; State officials set fire to 53 responsible persons who abandoned themselves, derailed their investment, provided false loan information and repeatedly banned them, gave back-to-back loans, and held instructions to tackle key problems. According to the temporary punishment for employees of Pingliang Tunzi Credit Cooperative, a fine of 3,836 yuan was imposed, and the back-to-back loan was recovered before the end of the year. For inflated loans, using false information to deal with false loans, and urban credit cooperatives to add loans to highly concentrated topics that often need to be answered by others, after the social affairs meeting and the director's office meeting, 900 yuan was fined and rectified within a time limit. The process of helping, correcting and handling improved the standardization of making loans.
Second, do a good job of inquiry and visit before lending. Seriously carry out pre-loan inquiries and visits, accurately predict the borrower's income in advance, and ensure that the loan is recovered on schedule.
Third, strictly examine and approve loans. Strictly check whether the loan application falls within the jurisdiction of the institution, whether the loan investment is justified, whether the date is reasonable, whether the interest rate is good, whether the responsible person is clear, whether the pledge is true and legal, whether the undertaker has the right to guarantee the authenticity, and whether the loan file is complete. During the year, subordinates reported 65438+0.27 loans of RMB485,530,700 (including 76 loans of RMB387,830,000 audited by China United Audit Committee, and 29 loans of RMB654,38+0.644 million audited by China United Audit Group), and visited the bank in time to make deposits, reaching 654,38+0.000%.
The fourth is to implement the one-track system of bankers with mixed names. In order to prevent cross-regional loans, the county's business outlets have fully implemented the single-track system of bankers with mixed names. Each institution has four mixed bank names, one of which is kept by bank depositors according to the records of inquiry, inspection and payment of household owners, one is kept by the director of the institution for approval according to the records, one is kept by the counter for monitoring and auditing according to the records, and the other is sent to the associated bank for approval, which effectively regulates the loan issuance behavior.
5. Bank depositors exchange films. In March, we conducted a comprehensive inquiry and visit to 99 bank deposit employees in the county to understand the details. For 83 people who have been coated for more than three years, we have changed the membrane to eliminate hidden dangers.
Six, strengthen the handling of loan files. According to the Interim Measures for Handling Bank Deposits by Tunzi Credit Cooperatives in Gansu Province, combined with the reality of handling bank deposit files in our county, the Detailed Rules for Handling Bank Deposit Files by Tunzi Credit Cooperatives in Jingchuan County were studied and formulated. All agencies have appointed part-time bank deposit administrators, and strive to handle their bank deposit files, and handle bank deposit files in a unified style, standardization and standardization, and implement counter filing and special custody to ensure the integrity of bank deposit files.
Seven, the establishment of loan file transfer system. In February and March, the employees of 3 1 bank deposits who changed jobs or left their jobs during the year were fought one by one to ensure the integrity of bank deposit files, reduce the harm of bank deposit funds, ensure the safety of bank deposit assets and improve the handling of bank deposit files of county credit cooperatives.
Eight, the establishment of bank deposit hall, the pursuit of corporate loans. The responsibilities of the same plan, the same preset, the same number plate at the entrance of the building, the publicity board of common sense of bank deposits and the booth of bank depositors, before the end of July, Bao Li, Fengtai, Du Yu, Hedao, Feiyun, Jingming, Mi Feng, Wangcun, Chengping, Dangyuan, Business Department 1 According to the same plan and association 1, Eight credit cooperatives in Chengguan, Chengqu, Yaodian, Luohandong, Huangjiapu, Honghe, Lianghe and Heihe set up special bank deposit studios, and bank deposit staff concentrated in the bank deposit hall to handle loans openly and transparently on every party day, which effectively established and publicized the image of credit cooperatives.
(seven) adhere to the five-level classification of loans. This year is a crucial year for Tunzi Credit Cooperative to fully implement the "five-level classification" of loans. According to the general arrangement of China Banking Regulatory Commission and Gansu Provincial Association on promoting the classification of loan hidden dangers, in 2006, our county credit cooperatives will fully realize the transition from the four-level classification of loans mainly dealing with daily problems to the five-level classification of loans mainly dealing with hidden dangers. In order to comprehensively and steadily promote the five-level classification of loans of Tunzi Credit Cooperatives in our county and strengthen the leadership, contact, coordination, guidance and monitoring of the five-level classification of loans of Tunzi Credit Cooperatives in the county, a small-scale pilot project was carried out first, and then the five-level classification of loans of Tunzi Credit Cooperatives in the county was fully promoted in 20 business outlets. On June+10, 5438, all the five-grade loans of Tunzi Credit Cooperative in the county were classified into the door cabinet system. It has become a reality, mainly based on electronic self-active sorting, supplemented by personal manual mediation. By September 30th, all the 20 independent accounting units in the county had completed what they thought was the second sorting, and all of them had installed the five-level classification program of Eastcom. On the basis of the five-level classification of loans from the county association, it has smoothly passed the inspection of Pingliang Banking Supervision Branch and the acceptance of the provincial association, leaving the right path.
First, strengthen community leadership. The trade union set up a five-level loan classification leading group with Chairman He Zhenguo as the team leader, Deputy Director Xue Yuancheng as the deputy team leader, and Bank Deposit Unit Dai, Du Junfeng, Account Management Unit and Business Department as members, and defined the responsibilities of the leading group.
Second, the details of the plan. The implementation plan of five-level loan classification of Tunzi Credit Cooperatives in Jingchuan County, the arrangement opinions of five-level loan classification of Tunzi Credit Cooperatives in Jingchuan County and the detailed rules for the implementation of loan risk classification of Tunzi Credit Cooperatives in Jingchuan County were formulated, and the steps to seriously carry out five-level loan classification were put forward according to seven stages: preparation for further study, driving training, data networking, small test, clear identification of preliminary classification, inspection and acceptance, and summary and rectification.
Third, strengthen training and teaching. 17 In April, the credit cooperatives held a three-day intensive training on common sense and operational skills of five-level loan classification, with 1 16 participants. Chairman He Zhenguo made a leadership speech, which improved the familiarity of Pan Bo employees, strengthened the sense of urgency and responsibility in promoting the loan risk classification of credit cooperatives, and trained the detailed rules for the implementation of bank deposit asset classification, five-level refinement of loan classification guarantee, financial explanation and non-financial explanation for the first time.
Fourth, conduct small-scale experiments. According to the arrangement requirements of the Association and the implementation plan of five-level classification of loans of Tunzi Credit Cooperative in Jingchuan County, the leading group of five-level classification of loans of the Association directly intervened on the spot, and conducted a small-scale test of five-level classification of loans in the sales department of Puyue Association and Jingming Credit Cooperative from April 20 to the beginning of each month. Through the process of exploration and practice, the field staff basically mastered the operating essentials and classification process of the five-level classification of loans, and also found some questions that need to be answered by others in the classification. To achieve the goal of "trying out experience, inventing problems that need to be answered by others, summing up and popularizing", implement responsibilities and ensure classification quality.
Fifth, strengthen information feedback. For the development environment of small-scale experimental things and the problems invented in the classification that need to be answered by others, it is planned to write three briefings to strengthen communication between superiors and subordinates, so as to facilitate the smooth progress of the five-level loan classification.
The classification values are as follows: 65438+February 3 1. Liquidation environment: under the four-level classification standard, NPLs were 435170,000 yuan, accounting for 9 1.5%, and NPLs were 403 1 10,000 yuan, accounting for 8.5%, including overdue loans and overdue loans of 4.03 million yuan. Under the five-level classification standard, fine loans amounted to 337.68 million yuan (including fine loans of 294.96 million yuan and caring loans of 42.72 million yuan), accounting for 7.65438+0%, and non-performing loans13.78 million yuan (including subprime loans of 62.98 million yuan, doubtful loans of 73.34 million yuan and losses1480,000 yuan).
(eight) to strengthen the handling of loans for agriculture. At present, three credit cooperatives in the county have used the central bank's refinancing180,000 yuan to support agriculture. In two special inspections in 2006, the People's Bank of this county basically met the requirements of compliance application and standardized handling. The first is to establish a re-loan account registration system. Set up an account with the credit union as the unit, register the refinancing funds one by one, and reconcile the bank deposit shares on schedule, so that the accounts are consistent and handled independently. Second, the use of re-loans for supporting agriculture by credit cooperatives within its jurisdiction was tracked and investigated, and the instructions for re-loans for supporting agriculture were not corrected according to the specified purposes. The third is to check whether the re-lending for supporting agriculture meets the specified requirements. The fourth is to check the interest rate and quarter of agricultural loans.
(9) The equipment arrangement to strengthen the bank deposit culture starts with a harmonious atmosphere. Taking the construction of excellent bank deposit culture as an important intrinsic significance to spur the development of things, we should strive to shape the image of credit cooperatives and employees, so as to achieve the purpose of rallying people's hearts, inspiring morale and encouraging employees to work together, thus continuously improving the group's image and market competitiveness. Establish a brand-new image with outstanding social features and build a harmonious atmosphere of human efforts and circulation. Consolidate the equipment arrangement of the bank deposit team, strengthen the business technical training, and organize the consolidation training in an organized and targeted manner based on the principle of combining thought with practice, so as to improve the common sense of bank deposits and the operational technical level of front-line employees. Distant through various forms of learning, supervision and supervision and guide all employees to improve the technical level of the comprehensive operation industry, so that they can enrich their potential and lay an excellent foundation for better bank deposits.