Annual work summary of financial ecological environment construction

Looking back on the work of the past year, the main ones are:

1. Organized and completed the city’s credit township and credit community selection and application work and the collection, publicity and identification of A-level credit enterprise information .

2. Organized and completed the 2011 "Financial Credit City-Prefecture" application in Xiangyang City and the "Financial Credit County (City) District" in each county (city) district. Xiangyang City has achieved the goal of maintaining the title of "Financial Credit City of Hubei Province" for 9 consecutive years, and all 7 counties (cities) and districts under its jurisdiction that have been assessed by the provincial government have the title of "Financial Credit Counties and Municipalities of Hubei Province", and in 20XX China Awarded with plaque at Wuhan Gold Expo.

3. Pay close attention to the construction of financial ecology and the full coverage of rural financial services. Edited 19 issues of "Xiangyang Financial Ecology" newsletter, with 27 pieces of information. XX articles were adopted in the financial ecology columns of Wuhan Branch, including "Financial Ecological Research", "Grassroots Work Dynamics", "Full Coverage of Rural Financial Services", and "Financial Ecosystem Briefing", and 4 articles were adopted in the "Hubei Financial Ecology" briefing. Provincial Vice Governor Zhao Bin and Vice Mayor of Xiangyang City Fu Zhenbang gave affirmative instructions once each.

4. Continue to implement the “Hubei Province Rural Financial Services “Twelfth Five-Year Plan” Full Coverage Plan. Implement the survey and statistics on the progress of full coverage of rural finance in the first half of 20XX assigned by the branch. Compared with the end of 2010, the city's new financial institutions at county level and below reached 11 banking outlets and 3 non-bank outlets, reaching 381. The county deposit-to-loan ratio increased by 0.84 percentage points compared with the end of 2010, reaching 43.48. The average number of transfer calls per There are 3.87 villages; the ATM township coverage rate is 94.34, and the POS township coverage rate is 92.68. The city held a meeting to promote rural payment and settlement in every village and the construction of a payment and settlement demonstration area. The information report was affirmed and approved by Zhao Bin, Vice Governor of Hubei Province and Fu Zhenbang, Vice Mayor of Xiangyang City.

5. Conducted a survey on the financial development and financial services of XX counties and cities in the city to find breakthroughs for the city to promote rural financial services and implement full coverage indicators.

6. Conducted a survey on the city’s financing guarantee companies. At the same time, he made an exchange speech at the city-wide financing guarantee work conference, which was highly recognized by the leaders of the municipal government.

7. Assisted the branch in completing the compilation of the manuscript for the 10th anniversary event of Hubei Province’s financial ecology, "Ten Years of Building Trust". On November 27, 20XX, the book was premiered at the 20XX China Wuhan Financial Expo.

8. Carry out a ten-year summary and review of the city’s financial ecology. According to the requirements of the branch, we completed the shooting task of 2 financial ecological "credit" themed promotional videos, and both won awards. "Xiangyang Financial Leap" submitted by our city won the third prize and was shown at the 20XX China Wuhan Golden Expo. Another promotional film "Integrity Buti Township" also won the Excellence Award.

9. The city’s financial ecological construction ten-year advanced collective and advanced individual commendation activities were carried out. Through the summary and commendation activities, we further publicized and summarized the credit environment and financial ecological construction work, highlighting the charm of the credit environment and financial ecological construction work.

10. Actively monitor the financial ecology on a daily basis. Relying on the financial ecological environment monitoring system, giving full play to the role of "baton" and "barometer", it provides the city's financial ecological environment information to all levels of party and government leaders, government departments, financial institutions and other audiences. In the first three quarters of this year, the city's financial ecological environment Ecological environment monitoring rankings are among the best in the province.

11. Arrange dedicated personnel to participate in the relevant work of the branch’s Financial Ecology Office and the Municipal Finance Office. Special personnel have successively participated in the design of the financial ecological construction exhibition board for the 20XX Wuhan Financial Expo, the compilation of promotional videos and promotional materials for the seminar on financial support for the construction of Dongjin New Area, the assessment method for full coverage of rural financial services, and the drafting of the "Five Ones" project for financial support for the development of the real economy. , the compilation of a ten-year review of financial ecology and other related work, which has made certain contributions to the development of relevant work of the Wuhan Branch of the People's Bank of China and the Xiangyang Financial Office.

Our main practices and experiences are:

1. Leaders pay attention to and promote the construction of financial ecosystem.

The Municipal Party Committee and the Municipal Government attach great importance to the construction of the financial ecological environment. At the beginning of the year, the mayor’s office meeting was held to determine the goals of the financial ecological construction work for the whole year and formulate the ideas and requirements for the construction of the financial ecological environment throughout the year. Continue to carry out financial ecological construction and create a "credit highland". The financial ecological environment should be treated as a government project, and the evaluation results should be incorporated into the target responsibility assessment system of each county (city) and district government, and efforts should be made to solve outstanding problems in the loan granting environment. The creation goal requires the city's seven counties (cities) and districts that have accepted the provincial government's assessment to continue to maintain the level of financial credit counties, cities, and districts. Xiangyang City strives to enter the ranks of financial credit cities and states for the ninth consecutive time. With the proposal of the "Four Xiangyangs" construction goals, the Xiangyang Central Branch of the People's Bank of China has formulated on behalf of the government the "Opinions on Fully Using Financial Functions to Support the Construction of the "Four Xiangyangs" to Promote the Leap-forward Development of Provincial Sub-central Cities" (Xiang Yinfa [2011] No. 141), further clarifying the need to promote the transformation and upgrading of the financial ecological environment construction and form a financial ecosystem that is more able to encourage financial institutions to expand credit investment. On the basis of continuing to do the traditional work of maintaining financial order, safeguarding financial claims, fully covering financial services, and creating financial credit cities and credit counties (cities), the focus of the construction of the financial ecological environment will gradually shift to a more conducive to mobilization The enthusiasm of financial institutions encourages financial institutions to add branches, improve service functions, upgrade service levels, expand credit investment, and promote the construction of systems and mechanisms for fair competition among peers. Make the financial ecological environment construction better reflect the requirements of extraordinary and leap-forward development, and adapt to the leap-forward development requirements of provincial sub-central cities and the "Four Xiangyangs".

In each subsequent quarterly financial joint meeting and financial situation analysis meeting, the main leaders of the municipal party committee and municipal government took special time to attend the meeting and delivered important speeches to publicize and emphasize the importance of financial ecological environment construction and awaken the Governments, departments, banks and enterprises at all levels in the city attach great importance to the construction of financial ecological environment. So far, the municipal government has organized and convened 4 financial joint meetings and multiple research symposiums. The mayor in charge of finance personally presided over each meeting. Mayor Bebixiong participated in the meetings to encourage the financial sector and solve problems. The Municipal Government's Financial Office has specially opened a space and has a separate office to provide better coordinated services for the city's financial and economic development.

Fan Ruiping, member of the Standing Committee of the Provincial Party Committee and Secretary of the Municipal Party Committee, proposed using the "three major financial sectors" to promote the "Four Xiangyangs" at the beginning of the year, putting forward higher requirements for Xiangyang's financial development and further emphasizing the construction of a financial ecological environment. It is of great importance to the city's economic work and requires effective measures to be taken to further create a good financial ecological environment. Mayor Bebixiong has repeatedly emphasized the need to strengthen credit awareness and build a good financial ecological environment. Local governments and enterprises must pay attention to credit and form the understanding that credit is wealth.

2. Support economic development and promote financial ecological construction.

A good financial ecological environment helps promote local economic development, and supporting economic development is the original intention of building a financial ecological environment.

Since this year, in accordance with the requirements of the prudent monetary policy of the People's Bank of China, Xiangyang Central Branch has actively organized and coordinated various credit signing activities. In March 20XX, our city held the launch ceremony of the County and Municipal Bank of Financial Support for the Economic Development of Xiangyang County in XX City, and organized financial institutions at the city and county levels to sign on-site cooperation agreements of 23.55 billion yuan in banking, banking, and bank-enterprise cooperation; it was held in XX County Financial support for county economic development and bank-enterprise matchmaking conference, organized the signing of bank-enterprise and bancassurance cooperation agreements, and reached an intentional credit extension of 3.07 billion yuan. At the same time, multiple special meetings were held to guide various banking financial institutions to track and service 444 projects over 100 million yuan and XX4 projects over 500 million yuan in our city, requiring a gradual increase in credit support. In the first half of the year, our city's financial institutions supported 74 key projects in our city, with a credit amount of 18.2915 billion yuan. On October 30, the "Bank of Xiangyang Yicheng Trip" event was successfully held. Through visits and discussions, the heads of 16 banking financial institutions in the city further enhanced their understanding of the rapid economic development of XX City and County, and improved their ability to expand credit investment and support Confidence in the economic development of the city and counties.

Second, various financial institutions, counties and cities have also taken measures to hold small bank-enterprise signing meetings, symposiums and project matchmaking meetings in batches, hierarchies and multiple times, and are committed to building various forms of The bank-enterprise and bank-government docking platform innovates the government-bank-enterprise coordination working mechanism, innovates credit financing products, strengthens bank-government strategic cooperation, enhances the confidence of banks and enterprises in coping with the crisis, helps the economy get out of the trough, and supports local economic development. For example, the Rural Credit Cooperative signed a three-year strategic cooperation agreement with four counties and cities, Laohekou, Zaoyang, Nanzhang, and Gucheng, to directly connect 290 physical projects with a total credit of 33 billion yuan. Hubei Bank held an Entrepreneur Salon and Entrepreneur Club establishment event, and granted 215 million yuan of credit to 5 companies on site; Bank of Communications visited more than 30 contracted companies by visiting the National Development and Reform Commission, Customs and other government agencies and major industrial parks, with the amount exceeding 1 billion Yuan. Through these diverse and content-rich activities, the relationship between banks and governments, banks and enterprises has been further deepened, understanding has been deepened, and the foundation has been laid for increasing credit investment. On July 23, XX County held a bank-enterprise matchmaking meeting to support the "enclave economy" - the "Yujiahu Baokang Industrial Park Bank-Enterprise Matching Meeting." In Xiangyang Yujiahu Industrial Park, the People's Bank of China, financial institutions and relevant economic authorities participated in docking and negotiation activities with the heads of 19 companies that entered the park, and conducted in-depth communication and exchanges. Banking institutions actively provided assistance to the financing needs of the companies. Answers and explanations were given, and a preliminary loan intention of 520 million yuan was reached on site.

Judging from the credit granting work from January to October this year, the city’s financial department, in accordance with the requirements of the country’s implementation of a sound monetary policy, tried every means to seize projects, strive for scale, and grant early credit, which in one fell swoop reversed the long-term loan growth rate lower than that of the country. , the province's average pattern, and achieved a relatively high loan growth rate that is consistent with the local response to the financial crisis and the realization of economic leap-forward development and the strategic requirements of the "Four Xiangyangs". As of the end of October, the city's various loan balances reached 100.5 billion yuan, crossing the 100 billion yuan mark in one fell swoop. The growth rate and growth rate are higher than the national provincial average. Xiangyang's financial industry has been profitable year after year, which fully reflects the national and provincial credit standards. Xiangyang, the provincial sub-central city, is supported by credit tilt.

3. Deepen the construction of the four major credit projects and improve the level of financial ecological construction.

The cultivation of A-level credit enterprises has been steadily promoted with remarkable results. Mainly through holding small bank-enterprise signing meetings, symposiums and project matchmaking meetings in batches, hierarchies and multiple times, various enterprises are invited to participate in these activities to improve the understanding of credit cultivation among various enterprises, and various financial institutions actively follow up with customers. , provide credit enhancement services to corporate customers who have loaned money and potential corporate customers, help companies analyze the reasons for their own credit deficiencies, establish and improve their own systems, expand the market share of company products, thereby improving the company's credit rating and in order to obtain credit Support the creation of conditions. As of the end of the third quarter of 20XX, the number of credit companies with grade A or above in the city was 2,638, an increase of 656 companies from the end of the previous year (1,982 companies), an increase of 33.1%. The number of companies participating in third-party credit ratings reached 284, accounting for 80% of the 355 companies at the end of last year.

New content has been added to the construction of credit towns. Organize and coordinate the city's efforts to vigorously promote the full coverage of rural financial services during the "Twelfth Five-Year Plan". Incorporate indicators related to the full coverage of rural financial services into the credit township assessment indicator system, organize counties (cities) and districts to steadily promote the full coverage of rural financial services, carry out research on the full coverage of rural financial services, supervise and inspect financial ecological construction work, and promote counties (City) district financial ecological construction and full coverage of rural finance were carried out. Continue to support the Agricultural Bank of China in launching the city's "integrity towns, integrity villages, and integrity households" activities for rural loans, and this year commended the "integrity towns, integrity villages, and integrity households" at the city and county levels from 2011 to 20XX. Through visits and plaque awarding activities, the effect of rural credit system construction will be further demonstrated and the city's rural credit project construction will be guided to develop in depth.

The construction of credit community has achieved new results. The number of credit communities in the city is increasing year by year, and there are basically two model communities in each county and city. The number of communities with loans and the number of laid-off and re-employed people supported has increased significantly, and the effects of loans are beginning to show, reflecting the progress of the credit community creation and financial support projects. Organic combination.

The credit area construction has achieved an overall harvest. Xiangyang has won the title of "Financial Credit City and Prefecture" for nine consecutive years, and all 7 counties (cities) and districts that participated in the provincial government evaluation have won the title of "Financial Credit County (City) District", achieving an overall harvest in the construction of credit areas.

At the beginning of 20XX, our city notified the city’s “Credit Townships” and “Credit Communities” construction situation, and issued the “Notice on the Assessment of “Credit Townships” and “Credit Communities” in 2011 ( Xiangyang Zhengbanfa [20XX] No. 34) notified 78 "credit towns" including Zhangwan Street Office in Xiangzhou District and 57 "credit communities" including Sanliqiao Community in XX County that were uniformly recognized by the municipal government. The city's financial ecology The environment has been greatly improved, creating a good platform for financial support for agriculture, rural areas and farmers and disadvantaged groups to start businesses and find employment.

4. Breakthrough in financial ecological publicity and enhance the reputation of financial ecological construction.

Implement a designated person to be responsible for the compilation of the "Xiangyang Financial Ecology" briefing, collect and compile good practices and work results that reflect the city's financial ecology construction work, and submit it to the branch's financial ecology office and send it to all bank-level leaders of the central branch and the government All relevant departments have posted the briefings on the city's official website. Throughout the year, they have edited 19 issues of the "Xiangyang Financial Ecology" briefing, compiled and written 27 pieces of various information, effectively publicizing the city's financial ecological construction work. The Xiangyang financial ecology information submitted was used in 4 articles by the branch’s Financial Ecology Office’s “Financial Ecology Briefing”, and XX articles were used in each column of the branch’s financial ecology website. Actively completed other research tasks assigned by the branch and put forward rational suggestions, etc., which better reflected the status of the city's financial ecological environment construction. Among them: "Xiangyang City launches the construction of a demonstration area with full coverage of rural payment and settlement" received affirmative approval from Zhao Bin, deputy governor of the Hubei Provincial Government and Fu Zhenbang, deputy mayor of the Xiangyang Municipal Government. XX City’s “Financial ‘Spring Breeze’ Benefits Agriculture, Rural Areas and Rural Areas – XX City’s measures to fully cover rural financial services are effective and have achieved remarkable results” was affirmed and approved by the leaders of the Provincial Government’s Finance Office.

5. Full coverage of rural financial services during the “12th Five-Year Plan” has been steadily advanced.

In 20XX, our city launched the construction of a demonstration area for full coverage of rural payment and settlement services, and held an on-site meeting in Shihua Town, Gucheng, to promote the full coverage of rural payment and settlement services in the city and was favored by Hubei Provincial Vice Governor Zhao Bin affirmed the instructions; at the same time, in order to achieve an effective breakthrough in the coverage of our city’s financial institutions’ outlets to counties and below, we have carried out a feasibility study on adding financial institutions’ outlets in XX counties and cities (towns) in the city to provide the city with The work of fully covering rural financial services seeks a breakthrough. As of the end of June 20XX, the city's full coverage of rural financial services has achieved phased results. The number of rural bank financial institution outlets in the city increased by 11 compared with the end of 2010, reaching 381. County deposits and loans increased by 0.84 compared with the end of 2010, reaching 43.48. The average number of transfer telephones per village was 3.87. The coverage of township ATMs reached 96.34, and the coverage of township POS reached 92.68.

In the new year, our Xiangyang financial ecological environment construction work will closely follow the work of the branch’s Financial Ecology Office, do a good job in various financial ecological environment construction work, and actively promote the full coverage of rural financial services. Coordinate and promote the implementation of the "Five Ones" project of financial support for the development of the real economy, and create a better financial ecological environment for the creation of "Two Centers" and "Four Xiangyangs".

1. Basic situation of the archives work of the whole bank:

For a long time, our bank has closely focused on the arrangements and deployment of the archives work of the superior bank. With the great attention of the city branch, we have strictly followed the national The laws and regulations on archives work and the archives work rules and regulations of the head office, adhere to the principle of centralized and unified management of archives, continuously increase the intensity of archives work of our bank, strive to improve the level of archives work management, scientifically keep all types of archives, and achieve archives management and Effectively integrate business development to fully utilize the value of archival resources.

This year, based on the current situation of our bank's archives work, especially the actual situation that xx has had a serious impact on our bank's archives work, we have established "one progress every year, one big step in three years", and strive to achieve the target management assessment of our bank's archives work in xx The work goal of "reaching the first-level standard".

We have mainly done the following aspects:

(1) Strengthen leadership, implement responsibilities, and strengthen the organization and construction of archives work.

First, clarify the departments and implement responsibilities. The comprehensive management department is responsible for the daily management of the bank’s archives and annual target assessment, research and solve existing problems in the archives work, and report to the bank leaders in a timely manner. Second, it is equipped with capable and efficient personnel. , a reasonable structure, and a sufficient number of full-time archives personnel to ensure the normal and continuous development of archives work. The third is to sort out the archives management system and formulate archives work development plans. In recent years, the methods and systems of archives management have continued to evolve with the development of business. In order to ensure that the archives work keeps up with the needs of business development, we promptly sorted out the relevant management systems, methods, and operating procedures to ensure the effective combination of archives management and business development in the first half of the year, in accordance with the overall arrangements of the superior bank. , and combined with the actual situation of our bank, we formulated a three-year goal plan for archives management and established the work goal of "one progress every year, one big step in three years, and striving to reach the first-level standard in our bank's archives work target management assessment in XX". The fourth is to make inspections and supervision routine. We inspect and supervise the archives work and archives management of the entire bank on a regular basis, identify problems in a timely manner, and make timely corrections. Fifth, we strive to strengthen archives publicity work through various branches, departments, and offices. Be familiar with the relevant regulations on archives management, improve employees' awareness of archives legality, and form a good archives working environment throughout the bank.

(2) Strengthen the standardized management of archives and strive to improve the quality of archives management.

First, we have initially established a comprehensive file management system, and in accordance with the principle of centralized and unified management, we have implemented centralized and unified management of the bank’s corporate customer credit files, individual customer credit files, documents, financial accounting, Science and technology, special carrier files, etc. have basically achieved centralized management; secondly, we have standardized operating procedures and strengthened management systems. We strictly abide by the file management system in the collection, arrangement, storage, borrowing and use, identification and destruction of various files. Ensure adequate collection of files, complete file handover procedures, standardized file organization, complete file content, and accurate division of file management periods, so that there are procedures for handover, approval for borrowing, records for returns, and evidence-based identification and destruction. The third is to pay attention to the construction of the entire file. . We are gradually establishing a complete and standardized file. Fourth, we will do a good job in archival statistics and ensure the timely and accurate reporting of archival statistical reports.

(3) Adhere to the "combination of prevention and control" to prevent. Strengthening archives security work with the policy of "putting the first priority on prevention"

We have always given top priority to archives security work and adhered to the principle of "combination of prevention and control, with prevention first". The first is to pay attention to the security management inspection of archive entities. Archives management personnel conduct regular or irregular safety inspections on archive entities to check whether there are any phenomena such as water immersion, mildew, adhesion, fading of writing, insect infestation, rat bites, etc., and make inspection records to ensure timely discovery. Problems are reported and dealt with in a timely manner to ensure the physical security of the archives. The second is to pay attention to the hardware construction of archives warehouse facilities. This year, according to the needs of archival work, an additional microcomputer was installed, and plans were made to build an archive warehouse and a lending room with surveillance video equipment in accordance with archive management standards. However, due to the earthquake, these works could not be carried out as planned. The third is to pay attention to daily safety inspections. Archive management personnel ensure the normal operation of the facilities by regularly or irregularly checking the operation of the warehouse protective facilities; by regularly or irregularly checking the warehouse environment, regularly recording changes in temperature and humidity, regularly placing anti-insect drugs, and conducting regular inspections The lighting conditions and regular inspections on fire and theft prevention ensure that the temperature and humidity of the warehouse are appropriate, the warehouse is clean and hygienic, and the files are free of insects and mold.

(4) Strengthen the application of the archives management system and strive to improve the level of archives information management of our bank.

First, pay attention to the entry work of the archives system. In accordance with the work arrangements of the superior bank, we completed the entry of document files on time, and the entry of legal person credit files and personal credit files is also proceeding in an orderly manner. The second is to attach importance to the construction of archives management system. In accordance with the unified deployment of the head office, we actively promote various file management systems. The third is to attach importance to the application of file management systems. In addition to the fact that archives staff must be proficient in mastering and applying various functions of the archives system, they can make full use of the system to complete various tasks such as monitoring and analysis, supervising archiving, storage and utilization. It also opened the clients of each system to the entire bank in a timely manner in accordance with regulations, accurately and compliantly established users, and set permissions to meet the needs of remote online access.

1. Promote strategic cooperation and have ideas to support economic development

With the advice and efforts of the branch, Director Deng Zhiyi led 21 provincial financial institutions to Xiangyang in April to hold a The Hubei banking industry supports the "Four Xiangyang" construction work conference, and the provincial bureau and Xiangyang City signed a "Strategic Cooperation Memorandum". With the support of the Provincial Bureau, the construction of the XX regional financial service center accelerated. In 20XX, two banks, Hankou and Industrial Bank, were introduced. Banks such as Shanghai Pudong Development Bank, Ping An, and Guangfa put forward plans to set up locations. Each bank has formulated preferential policies such as business innovation pilots, green channels for credit approval, and priority allocation of loan quotas for Xiangyang, effectively supporting the construction of a sub-central city in Xiangyang Province. Fan Ruiping, member of the Standing Committee of the Provincial Party Committee and Secretary of the Xiangyang Municipal Party Committee, gave approval to the Xiangyang Branch’s special report on policies and measures to support the development of the real economy.

2. Implement projects to benefit farmers, and rural financial services have distinctive features

In accordance with the deployment of the China Banking Regulatory Commission’s “three major projects” and the provincial bureau’s “three coverages and one improvement”, the city’s banking industry The "Six Full Coverage" project has been approved by Director Deng Zhiyi of the Provincial Bureau. First, 5 rural credit cooperatives have been transformed into rural commercial banks, accounting for 71% of the full coverage target. Second, 4 rural banks have been established, accounting for 67% of the full coverage target. The third is to deploy 4,823 transfer telephones. Telephone banking covers all 1,928 administrative villages with telecommunications lines in the city. Fourth, the Xiangyang Financial Network has been extended to cover all counties, making the financial network accessible to all counties. Fifth, the small and medium-sized enterprise club membership covers all counties. This year, the number of club members has increased to 2,000. Sixth, the credit rating of county credit entities is fully covered, and the current coverage has reached 86.5. At the end of November, the loan balance in the counties under the jurisdiction was 43.28 billion yuan, an increase of 28.1% over the same period last year; the county deposit-to-loan ratio reached 45.7, an increase of 3.8 percentage points over the same period last year.

3. Adhere to the innovation drive and serve small and micro enterprises with highlights

In 20XX, the "Opinions on Further Promoting Financial Services for Small and Micro Enterprises in Xiangyang City's Banking Industry" were formulated and submitted to the government for forwarding. , carefully organized and carried out activities such as the Small and Micro Enterprise Financial Services Promotion Month and "Hundreds and Thousands", and guided the banking industry to innovate and launch 20 new products such as credit loans for small and micro enterprises to meet the diversified financial service needs. The typical experience of adhering to the Internet Department's comprehensive construction of Xiangyang Financial Network and SME Financial Services Club was recommended by the Provincial Bureau Commendation Meeting and won the title of the Best SME Financial Services Club in the Province. At the end of November, the city's small and micro enterprise loans had a net increase of 9.3 billion yuan, an increase of 41.96, which was 21.27 percentage points higher than the increase of all loans in the same period, completing the "two no less than" goals.

Four. Pay close attention to the implementation of the system and take measures to prevent and control case risks.

Insist on taking risk prevention and control as the top priority of supervision work. Based on the actual situation, we formulated the opinions on crime prevention work in 20XX, held a city-wide special work meeting on crime prevention, organized the top leaders of each bank to sign a crime prevention commitment letter, and adopted the "eight one" crime prevention work measures, that is: holding a case prevention work meeting at every level Mobilization meeting for crime prevention work, signing a letter of commitment on crime prevention responsibilities at all levels, organizing a crime prevention special education and training, conducting a crime prevention surprise investigation every month, conducting a crime prevention investigation every quarter, each bank launching a characteristic brand, An emergency drill is organized every year and a case prevention work evaluation is organized at the end of the year, continuing to maintain a high-pressure situation in case prevention and control.

5. Strengthen supervision and supervision, and take action to implement the five-level loan classification

Insist on implementing the five-level loan classification as the key regulatory work in 20XX, issue work opinions in a timely manner, and hold meetings to promote The meeting organized on-site inspections of five-level loan classifications for 8 banks, and discovered and urged the rectification of five major problems such as inaccurate loan risk classification, inadequate post-loan management, and imperfect loan risk classification management systems, so as to promote the loan risk management of the banking industry within the jurisdiction. The awareness of classification has been significantly enhanced, and the quality of classification work has been significantly improved. The research report "Restraining Factors and Countermeasures for Implementing Loan Risk Classification Work" was published by the China Banking Regulatory Commission.

6. The foundation of supervision has been consolidated, and data quality management has improved

Adhering to the data quality competition as a carrier, two mobilization meetings and on-site meetings on “improving data quality” were held, and two next Issue notification documents, compile and distribute data quality competition briefings from time to time, inform the situation, exchange experiences, analyze problems, and strengthen the quality supervision of statistical data submission. It also carried out statistical on-site inspections of two rural banks, urging banking institutions to lay a solid foundation and improve the quality of statistical data submission.

7. Innovate working models and make achievements in rectifying irregular operations

Adhere to the "Year of Integrity and Responsibility Culture Construction" activities as the main line, and combine special governance and improvement of bank service levels, Six tasks, including protecting the rights and interests of financial consumers, are coordinated as a whole. Through measures such as extensive mobilization, self-examination and rectification, on-site inspections, open inspections and secret visits, banks are guided to conscientiously implement the "seven no-nos" regulations of the China Banking Regulatory Commission, and firmly establish an honest and trustworthy corporate culture and efficiency. The first is to enhance the value culture of society. Since the beginning of this year, the city's banking industry charge items have been comprehensively cleaned up, achieving openness and transparency. 8,291 unreasonable charges totaling 7.6529 million yuan have been cleared, and 8 outlets have been rated as national and provincial high-quality civilized and standardized service demonstration outlets.

8. Strictly adhere to the bottom line of risk, and make progress in cleaning up and standardizing platform loans

Strengthen communication and coordination, multi-party linkage, risk investigation and key promotion, so as to effectively control the number of platform loan accounts under the jurisdiction. Existing platform loans have been effectively rectified, and new loan policies have been effectively implemented. At the end of November, there were 14 platform loans within the jurisdiction, 4 fewer than in 2010; the balance of platform loans was 7.44 billion yuan, and effective mortgage guarantees of 7.322 billion yuan had been processed, accounting for 9.117%. Secondary road loans meet regulatory requirements for debt decomposition, quarterly interest payments, and at least one principal repayment per year.

9. Adhere to joint construction and promotion, and the construction of supervisory culture is in-depth

The construction and practice of supervisory culture around the core concepts of "responsibility, professionalism, and sense of achievement", The "Supervisory Culture and Integrity Culture Joint Promotion Seminar" was held to refine the supervisory cultural concepts of "scientific and prudent, pragmatic and efficient, harmonious and inclusive, courageous, responsible, honest and honest" and "incorruptible, fair and honest" with its own characteristics. , abide by the law and comply with regulations”. The pilot work of building a clean government culture was approved by Secretary Qin Hanfeng of the Provincial Bureau’s Discipline Inspection Commission.

10. Deepen the initiative to strive for excellence and strengthen party building with results

Promoted by the grassroots organization construction year activities, the "Opinions on Serving the People and Striving for Excellence" were formulated based on actual conditions 》, adopt new measures of strengthening party affairs, standardizing government affairs, optimizing services, expanding business, and coordinating affairs, innovating the carrier of activities, enriching the content of activities, and continuously deepening the innovative activities. In 20XX, the whole jurisdiction won 9 honors at the provincial level and above. The work of pioneering and striving for excellence was affirmed by the provincial bureau, and the experience was introduced at the provincial commendation conference.