Summary of the work of rural credit cooperatives in the first half of the year

Summary of the work of rural credit cooperatives in the first half of the year

In the first half of XX, our county federation was under the correct leadership of the municipal federation, the county party committee, and the county government, and under the effective leadership of the People's Bank of China Under the supervision, with the concern and support from all walks of life, we adhere to the guidance of the spirit of the Fourth Plenary Session of the 16th CPC Central Committee and the important thought of "Three Represents", conscientiously implement the spirit of the provincial and municipal rural credit cooperative work conferences, and through the concerted efforts of all employees, Working hard, taking the excellent results achieved in the previous year as a starting point, continuing the past and forging ahead, advancing with the times, and working hard, new steps have been taken in various tasks and new achievements have been achieved.

1. Overall work results

(1) Various deposits have grown rapidly, and financial strength has continued to increase.

By the end of June, the deposit balance of rural credit cooperatives in the county reached XX million yuan, an increase of XX million yuan compared with the end of the previous year, an increase of **%, and an increase of ** more than the same period last year. Ten thousand yuan, the increase hit a record high, completing **% of the annual tasks assigned by the Municipal Federation.

(2) The scale of credit has been effectively expanded, and efforts to support agriculture have been continuously increased.

By the end of June, the balance of various loans of rural credit cooperatives in the county reached XX million yuan, an increase of XX million yuan compared with the end of the previous year, and an increase of XX million yuan year-on-year; among which the balance of agricultural loans **X million yuan, an increase of **X million yuan compared with the end of the previous year, an increase of **0,000 yuan year-on-year. From January to June, the county has issued a total of XX million yuan in various loans, an increase of XX million yuan year-on-year; among which, agricultural loans have accumulated XX yuan, an increase of XX million yuan year-on-year, accounting for all cumulative loan disbursements. **%, which better reflects the agricultural-oriented management direction. The loan-to-deposit ratio was **%, an increase of ** percentage points from the end of the previous year.

(3) Non-performing loans have been reduced in both directions, and asset quality has continued to improve.

By the end of June, the balance of non-performing loans of rural credit cooperatives in the county was XX million yuan, a decrease of ** million yuan from the end of the previous year, completing **% of the annual plan tasks assigned by the municipal cooperative; non-performing loans The loan balance accounted for **% of the total loans, a decrease of ** percentage points from the end of the previous year, achieving a "double reduction" of non-performing loans.

(4) The capital increase and share expansion efforts were intensified, and the balance of share capital increased steadily.

By the end of June, the equity balance of rural credit cooperatives in the county reached ** million, a net increase of ** million from the end of the previous year, an increase of **%, an increase of ** million year-on-year, completed **% of planned tasks for the whole year.

(5) The increase in revenue and expenditure reduction were solid and effective, and operating efficiency reached a new high.

In the first half of the year, the county’s rural credit cooperatives *** achieved various incomes of ** million yuan, an increase of ** million yuan compared with the same period last year, of which interest income was ** million yuan, an increase of ** million yuan year-on-year. Yuan. Various expenses were ** million yuan, a year-on-year increase of ** million yuan; of which operating expenses were ** million yuan, a year-on-year increase of ** million yuan. The first independent accounting agency in the county all realized profits, with a profit amount of ** million, completing **% of the plan issued by the Municipal Association, and increasing profits by ** million compared with the same period last year.

II. Specific work measures

(1) Seize the top priority of development and create a new situation in supporting agriculture.

1. Vigorously organize deposits to ensure a sufficient supply of funds to support agriculture. First, vigorously organize idle funds in rural areas. Give full play to the advantages of rural credit cooperatives based in rural areas and close to farmers, actively carry out publicity work, tap rural reserves, and consolidate rural deposit positions. The second is to continue to focus on deposits of farmers and individual industrial and commercial households. Implement the method of linking deposits and loans to self-employed individuals and private owners, and implement loan priority and preferential interest rate policies under the same conditions for individuals and enterprises that open accounts in credit unions, thereby increasing their enthusiasm and initiative to deposit in credit unions. The third is to increase the organization of work deposits. In view of the characteristics of a large number of migrant workers in our county, we seized the opportunity of migrant workers to celebrate the New Year and return to their hometowns due to SARS, vigorously publicized the electronic remittance business of rural credit cooperatives, distributed remittance contact cards, provided door-to-door service, and actively organized migrant workers Make a deposit and get good results. Through unremitting efforts, we ensured the rapid growth of deposits, solved the worries about funds to support agriculture, and ensured the full supply of funds to support agriculture.

2. Innovate loan methods to meet the reasonable funding needs of rural areas. Continue to promote small credit loans for farmers and improve the follow-up management of small agricultural loans.

In accordance with the requirements put forward by the Provincial Office and the Municipal Cooperative that small-amount agricultural loans should be “consolidated, developed, bigger, stronger and better”, we will continue to promote and standardize the issuance and management of small-amount agricultural loans. An annual inspection of ** farmers with small agricultural loans in the county was carried out. By increasing the credit grade and credit limit, we support honest and trustworthy farmers, and reduce the credit limit or even cancel the farmers' small credit loan qualifications for those who are not trustworthy, thereby continuously improving farmers' credit concepts and loan repayment awareness, and effectively avoiding credit risks. Loans to farmers who have obtained small-amount agricultural loan qualifications will continue to follow the method of "one-time approval, loan as needed, balance control, and turnover use" to effectively ensure that farmers purchase fertilizers, pesticides, seeds, agricultural machinery, etc. needed for production and consumption in a timely manner. , ensuring the healthy development of local agriculture and rural economy. From January to June, the county issued a total of XX million yuan in small credit loans to farmers, benefiting ** farmers, accounting for 52.2% of the total agricultural loans issued.

3. Expand credit areas and promote local rural economic development. While ensuring the demand for traditional agricultural production loans, we have further worked on the depth and breadth of agricultural support, vigorously supported the adjustment of the agricultural industry structure, and promoted industrialized agricultural operations. According to the actual needs of farmers, we will plant what is suitable and raise what is suitable, actively help farmers develop efficient agriculture, and in view of the current reality that there is a large surplus labor force in rural areas, provide funds to inject vitality to support farmers to engage in agricultural product processing, transportation and marketing and other industries. Help farmers get rich as soon as possible and ensure that agricultural loans can play an effective role in helping, promoting and enriching farmers. For example, ** Credit Union has issued a total of RMB ** million in specialty agricultural loans in the first half of the year, focusing on supporting local industries such as ** and **. ** Credit Union has made supporting the livestock industry one of the key points of credit support this year. , issued loans of XX million yuan to support farmers to carry out chicken and fish farming and other breeding projects; ** Credit Union injected ** million yuan of funds to support ** enterprises to expand their production scale and help them become bigger and stronger. Loans for these projects not only improve the efficiency of enterprises and self-employed individuals, but also solve the employment problem of surplus labor in nearby rural areas, promote local economic development, and increase farmers' income levels.

(2) Establish the concept of promoting society through efficiency and consolidate and expand efficiency gains.

1. Expand the scale of credit and rely on expanding regulations to increase efficiency. This year, rural credit cooperatives across the county have actively expanded their credit scale and increased their investment in loans to support agriculture. By the end of June, the balance of various loans reached **** million yuan, with a net investment of **** million yuan, including an agricultural loan balance of **** million yuan, with a net investment of **** million yuan. The new loans insist on focusing on agriculture, which not only reflects the role of rural credit cooperatives as the main force in supporting agriculture and has made an indelible contribution to promoting local economic development, but also ensures the quality of loans, increasing the county’s loan interest income. A relatively stable source. By the end of June, the county's rural credit cooperatives *** had achieved loan interest income of ** million yuan, a year-on-year increase of ** million yuan, of which new loans had achieved interest income of ** million yuan, a year-on-year increase of ** million yuan.

2. Efforts should be made to revitalize sedimentation and increase efficiency by clearing away defects. In view of the current situation that abnormal loans account for a large proportion in the county, in the first half of the year, on the basis of ensuring that the interest on new loans is recovered on a quarterly basis, the focus of increasing financial revenue is to collect precipitated loan interest. In accordance with the principle of "taking into account both principal and interest, giving priority to interest", clarify the interest collection goals and tasks, decompose the tasks and assign them to the people at their posts, increase the linkage of those responsible for interest collection, strictly conduct monthly assessments, quarterly cashing, and use pressure to promote Motivation, forcing employees to meet deadlines. At the same time, the assessment of increasing the total expenses of credit cooperatives is linked to the income achieved, and the implementation of collecting more and spending less and collecting less and spending less has increased the enthusiasm of credit cooperatives to increase revenue and achieved relatively obvious results. By the end of June, the county's interest rate per 100 yuan reached **%, an increase of X percentage points year-on-year.

3. Strengthen cost management and increase efficiency through cost savings. First, based on reality, we have established and improved expense management methods, clarified the approval procedures, supervision procedures, rewards and punishments for expenses, and strictly controlled various expenses. The second is to implement a "fixed lump sum" for the credit union's ** fees, ** fees, ** fees and other For larger sub-projects, we investigated the causes and plugged loopholes, achieving adequate management and supervision. The third is to implement a fee reporting system for all credit unions in the county. The monthly expenses of each credit union must be reported to the federation for approval before they can be included in the cost, which effectively standardizes financial procedures and prevents the occurrence of random expenditures.

Through a series of effective management measures, the expense rate of the whole jurisdiction dropped by X percentage points year-on-year in the first half of the year, which put a "safety belt" on to save expenses and reduce waste, and effectively controlled operating costs.

(3) Strengthen risk prevention awareness and liquidate and revitalize non-performing loans.

1. Raise awareness and fight the tough battle of collecting non-performing loans. In the first half of the year, we held a special meeting to formulate the "Implementation Plan for Collection of Non-Performing Loans" and launched a vigorous and vigorous battle to collect non-performing loans within our jurisdiction. The collection task is directly assigned to each employee, linked to personal income, and collection is implemented for all employees, which enhances the employees' sense of urgency, mission and responsibility for the collection of non-performing loans.

2. Take multiple measures to ensure the “double reduction” of non-performing loans. The first is to implement responsible collection. For loans that are overdue for many years, the person responsible for lending shall be ordered to recover them within a specified time. If the loan is not recovered in time, the loan shall be deducted from the salary of the person responsible for lending. The second is to implement account cancellation and collection. All credit unions are required to cancel and collect loans to small farmers before 1996. For example, ** Credit Union recovered loan principal of **X yuan and interest of **X yuan from ** farmers in **, **, and ** villages in June alone. The third is to carry out publicity and collection. Use various methods to make the loans of defaulters public, publicize the principles of borrowing and repaying debts, and force defaulters and defaulters to repay their debts voluntarily under the pressure of public opinion. The fourth is to assist in collection. The association selected key households with large amounts of non-performing loans that were difficult to recover, and deployed department personnel led by the association leaders to assist the credit union in door-to-door collections, which also achieved good results. The fifth is to carry out collection according to law. The Economic Association negotiated with the court to carry out loan collection activities in accordance with the law in credit unions throughout the county. During this period, *** planned to sue ** loan customers, involving an amount of ** million yuan. With the help of the court, *** recovered the loan principal of ** million yuan and the loan interest of ** million yuan.

3. Strict discipline to prevent new loans from settling. While we continue to expand the scale of credit, we strictly do a good job in credit management. Loan disbursement implements a separate loan review system and a step-by-step review and approval system. Except for small agricultural loans, all other loans implement a responsibility system. The person responsible for the loan is responsible for the loan. There is a lifelong responsibility for repossession, strict deadline management, and requirements for repossession when due, otherwise the person responsible for the loan will be held accountable. In mid-May, an inspection was carried out on the implementation of the county's ** annual credit system and the authenticity of loan quality, an inspection notice was issued, suggestions were made for existing problems, and all cooperatives were required to make rectifications within a time limit. This effectively prevents new loans from settling and prevents credit risks.

(4) Ensure sustainable and healthy development and strictly enforce daily operations and management.

1. Take the educational activities to maintain the advanced nature of Communist Party members as an opportunity to increase party building work. Since our society launched the educational activity to maintain the advanced nature of Communist Party members on April 5, XX, we have followed the overall arrangements and unified deployment of the Party Committee, and under the specific guidance of the district’s advanced nature education activity supervision group, we have maintained the *** Under the leadership of the leading group for educational activities on the advanced nature of Communist Party members, combined with the actual work, effective measures were taken to organize all party members to study and train seriously, strictly analyze and evaluate, and make solid rectifications and improvements, and successfully completed all aspects of educational activities to maintain the advanced nature of Communist Party members. Through this work, the overall quality of all party members has been greatly improved; employees' concern and sense of ownership for the unit have been greatly enhanced; the party's grassroots organization construction has been strengthened; the purpose of caring for the people and serving the people has been effectively achieved.

2. Continue to increase audit and supervision efforts. First, carry out regular audit work seriously. In the past six months, *** has conducted regular audits for the first time, with an inspection coverage rate of 100%. For problems discovered during inspections of some units, audit rectification proposals were promptly issued, requiring rectification within a time limit, and financial penalties were imposed on relevant responsible persons. The second is to conduct special audits and inspections. In May, a special audit was conducted on the basic accounting work of the first independent accounting credit society in the county, which was distributed to all societies in the form of a notice, and the credit unions were urged to implement rectifications and reforms, which promoted the healthy and standardized development of the basic accounting work in our county. The third is to increase the prevention and investigation of various cases. Adhere to the petition registration system, submit and forward petitions in a timely manner, detect and warn cadres and employees early on some budding problems, and use the form of inquiry notices and educational talks to implement the responsibility system for party style and clean government construction to remind and warn , nip possible problems in the bud.

3. Continuously strengthen safety and security awareness.

The first is to improve the safety awareness of all employees, regularly carry out safety education, and provide employees with social security situation, laws and regulations, legal education and warning education based on typical cases inside and outside the system, so that employees realize that complying with the safety and security system means cherishing their own lives. , so as to sound the alarm and overcome the fluke mentality, paralyzed thoughts and laxity. The second is to do a good job in daily safety and security work, strengthen on-duty guards during holidays, organize frequent safety and security inspections, increase inspections and penalties, and ensure that various safety and security systems are implemented. The third is to increase investment in the construction of safety facilities, carefully inspect the security facilities of business outlets to meet the standards, and resolutely rectify areas that do not meet the standards in accordance with the requirements. Special funds are invested to purchase and equip security equipment, and outlets without toilets are renovated. Spending money to buy safety ensures the safety of people, property and property in the credit union.

(5) Create a good corporate image and do a good job in publicity and services.

1. Strengthen publicity work and expand the social visibility of credit cooperatives. Continue to do a good job in information reporting and actively encourage information staff to write and submit articles. In the first half of the year, the number of information manuscripts increased year-on-year, and the quality of articles and the grade of accepted publications also improved. At the same time, combined with the business development situation, we also organized and carried out focused publicity activities to celebrate the deposits of our county's rural credit cooperatives exceeding 500 million yuan, and carried out extensive publicity through various public opinion tools such as distributing leaflets, posting slogans, hanging publicity banners, etc. , mainly promote the characteristics, purpose and great development achievements of rural credit cooperatives in recent years, and promote the role of rural credit cooperatives as the main force in rural finance and the best financial link to connect farmers. Through publicity, a good corporate image of rural credit cooperatives has been created, and the social visibility and influence of credit cooperatives have been further expanded.

2. Enhance the awareness of competition and improve the market competitiveness of credit cooperatives. The first is to continuously improve the quality of counter services. Facing the gap with peers, we use our strengths and avoid weaknesses to provide customers with high-quality and civilized services. We start by improving service levels, changing service concepts, and improving service methods. We further correct our service attitude, improve our work style, and promote standing service, smile service, Limited-time services have won the trust of customers with enthusiastic, civilized, efficient and fast services, and improved the credit union's market competitiveness. The second is to continue to improve the level of electronic services. Strengthen the coaching and training for computer personnel, encourage employees to participate in computer majors and participate in social computer grade examinations, and improve the level of office automation in rural credit cooperatives.

3. Improve service levels and close ties between credit cooperatives and farmers. Adhere to the purpose of running a cooperative to serve "agriculture, rural areas and farmers", improve the style of supporting agriculture, and improve the level of supporting agriculture. The first is to comprehensively promote open lending. The loan conditions, procedures, and interest rates of credit cooperatives shall be disclosed to members on a regular basis; loan plans, grant amounts, and recovery status shall be announced to the public on a quarterly basis, and "sunshine" operations shall be implemented to accept the supervision of farmers and society. The second is to improve work style. Carry forward the hard-working professionalism and achieve "three less and three more", that is, "sit less in the government and work more at the grassroots level, look less for leaders and more farmers, and visit less county towns and more farmers", and go to villages and households to get familiar with farmers and understand them. Farmers, care about farmers, be their close friends, make service work practical and detailed; carry out door-to-door loan services, deliver credit funds to farmers, effectively solve farmers' difficulties in production and life, thus gaining the support and support of farmers Trust has strengthened the relationship between society and farmers and strengthened the mass foundation of rural credit cooperatives in rural areas.

3. There are work deficiencies

Of course, while summarizing the results, we also found that there are still many problems and deficiencies in the work, which are mainly reflected in: First, deposit work It started well, but it is on a downward trend in the later stages, which requires our great attention; secondly, the balance of non-performing loans remains high, and the decrease in proportion is mainly due to the dilution of the growth in total loans. The collection of non-performing loans still has a long way to go. ; Third, the phenomenon of failure to comply with orders and prohibitions still occurs occasionally, and employees' awareness of standardization needs to be further strengthened; Fourth, there is a lack of high-quality computer talents and cannot adapt to the needs of electronic business development; Fifth, there is insufficient awareness of innovation, and the business scope is narrow and The financial innovation ability is poor, the business varieties are single and unattractive, and it is far from adapting to the changes and requirements of the market. These all require us to effectively solve and continuously improve in our future work.

IV. Next-step work plan

In the second half of the year, we will adhere to the annual striving plan issued by the Municipal Association as the goal, with business operations as the main line and party building work as the basis. , with reform and innovation as the driving force and strict management as the guarantee, we must work hard and make persistent efforts to fully complete this year's work goals.

First, pay close attention to business operations and accelerate the pace of development. Adhere to operating efficiency as the center, focus on revitalizing the accumulation, do a good job in increasing and stabilizing deposits, further consolidate and expand the operating results achieved in the first half of the year, and ensure the successful completion of all targets and tasks throughout the year.

The second is to actively promote reform and promote business development. According to the unified deployment of superiors, actively cooperate to promote system reform. At the same time, during the transitional period of reform, we must ensure unity of thought and stability of the team, so that there is no loose thinking, no loosening of the team, and no chaos in work.

The third is to strengthen party building work and enhance team cohesion. Comprehensively strengthen party building, continuously consolidate the party's leadership over all work, give full play to the fighting bastion role of party organizations and the vanguard and exemplary role of Communist Party members, unite all cadres and workers, enhance the collective sense of honor and responsibility, and form synergy, With a united will, we fight against the odds and win the victory.

The fourth is to increase management efforts to ensure stable operation. Continue to improve the internal control mechanism, implement various rules and regulations, standardize various work procedures, strengthen audit supervision, do a good job in safety and security, ensure the safety of credit union property and employees, and prevent and eliminate the occurrence of various cases.

The work schedule in the second half of the year is tight and the tasks are heavy, but we believe that with the strong leadership of the superior department and the solid foundation laid in the first half of the year, as long as we continue to maintain the spirit of hard work and take practical and effective measures We are confident and determined to achieve better results and reach a higher level in the second half of the year! ;