How to write a financial security work plan

In order to further standardize the financial order, establish a long-term mechanism for financial security creation, build a good financial ecological environment, and promote the coordinated development of our city's economy and finance, in accordance with the spirit of relevant central and provincial and municipal documents and the actual work of the previous period of security creation, This plan was specially formulated.

1. Guiding ideology

Guided by the spirit of the national and provincial financial work conferences, implement national financial guidelines and policies, take effective measures, consolidate the results of creating a financial safe zone, and innovate work In this way, we will promote the creation of financial safety zones in depth, further promote the optimization of the credit environment and financial environment, give full play to the role of finance in the process of building an "economically strong city, a famous cultural city, and a harmonious Changde", and strive to promote the soundness of local industrial capital and financial capital. interactive.

2. Work objectives

1. The financial environment has improved significantly. There were no new serious evasion of financial debts or fraud, and evaded financial debts were effectively handled without omission or favoritism. Financial claims have been effectively safeguarded, and the People's Court's settlement rate for financial dispute cases has increased by 8 percentage points from the previous year. More than 70% of the overdue loans of national public employees and administrative institutions have been collected.

2. The financial order has improved significantly. Competition among financial institutions is fair and orderly. There are no illegal or disciplinary operations, no random establishment of financial institutions, random financial business, random fund-raising, etc. The internal systems of financial institutions are sound, management is in place, and there are no major financial crimes.

3. The quality of financial assets has been significantly improved. During the year, both the balance of non-performing loans and the ratio of non-performing loans declined. The non-performing loan ratio of state-owned commercial banks and rural credit cooperatives dropped by 10 percentage points, and their operating efficiency improved significantly. Overall, they reduced losses by 50% or reversed losses and increased profits compared with the previous year.

4. The level of financial services has been significantly improved. The total amount of credit has grown steadily, with new deposits exceeding 15% and net loan growth exceeding 8%.

3. Work measures

1. Adhere to the correct guidance of public opinion and strive to create a good atmosphere for creating a financial safety zone. All relevant departments must raise awareness of the importance and urgency of creating a financial safety zone, and regard the creation of a financial safety zone as a major event to promote economic development and maintain social stability. It is necessary to give full play to the guiding role of news and public opinion, report on financial innovation through TV news, financial innovation columns, and feature films, and create an atmosphere for financial innovation with the help of Changde Daily, Changde Evening News, radio, and slogans , and at the same time compiled and distributed the "Changde City's Work Brief on Creating Financial Safety Zones" to introduce financial safety trends, commend advanced units and individuals in creating financial safety zones, promote models, exchange experiences, and strive to improve the integrity awareness of the whole society. Units and individuals who fail to pay overdue debt after being called upon to pay debts will be put on a "blacklist" and exposed publicly.

2. Focus on collecting overdue loans from national public officials and administrative institutions, and strive to achieve significant results this year. All departments at all levels must resolutely implement the spirit of the "Notice on Further Improving the Collection of Overdue Loans for National Public Employees and Administrative Institutions" No. 42 [2004] of Standing Ban Power Generation, and use administrative, economic, judicial and other means to speed up the collection of overdue loans. Great Qing Dynasty collection efforts. National public officials who refuse to repay overdue loans and have bad attitudes shall be subject to cadre management authority. After the Financial Innovation and Security Office reports to the Leading Group for Governance of the Financial Environment for approval, they shall be handed over to the disciplinary inspection and supervision agencies and the organization and personnel departments to suspend their duties and further implement the "Three Three" Stop the five-no policy. In this way, we can crack down on "default accounts", eliminate "nail households", educate "ordinary households", and deter "wait-and-see households".

3. Carry out supervision and inspection and intensify the assessment of "creating safety" work. It is necessary to formulate practical safety assessment methods and make specific provisions on the "safety creation" work objectives, assessment objects and content, scoring standards, work responsibilities, rewards and punishment measures, etc. The Municipal Innovation and Security Office will promptly organize relevant units to participate in the overdue debt collection coordination meeting of national public officials and administrative institutions according to the situation, and conduct special research on collection work. At the same time, it will organize various districts, counties (cities) and banking institutions to coordinate the collection of overdue debts. Implement the collection work one by one. It is necessary to establish an inspection mechanism for deputies to the National People's Congress and members of the Chinese People's Political Consultative Conference, focusing on supervising the implementation of financial claims in the two replacements of enterprises and the loan repayment of party members and leading cadres.

4. Integrate credit resources and establish a unified social credit evaluation system.

Efforts should be made to cultivate the three major credit systems of the government, enterprises and individuals, and highlight enterprise credit management. Based on the enterprise's "economic account", supplemented by illegal records, and using modern information technology as a means, we will continue to strengthen the construction of credit networks, and continuously strengthen the construction of credit networks in banks, industry and commerce, Based on the establishment of credit networks by taxation, labor insurance, quality supervision and other departments, we will integrate relevant credit resources, explore the establishment of unified standards for credit enterprises in the city, conduct more comprehensive credit evaluations of enterprises, and achieve maximum sharing of resources and information exchange. .

5. Improve financial services and support local economic development. Increase the organization of bank funds and strive to increase credit investment; actively revitalize existing stocks, speed up capital turnover, and enhance reinvestment capabilities; financial institutions must carry out research activities to understand the market supply and demand of funds in a timely manner, identify credit investment points, and improve the efficiency of fund use. ; Establish a preferential credit policy for credit areas and credit enterprises, and strive to meet the loan needs of credit units. According to the level of credit rating, the approval procedures can be further simplified and preferential loan interest rates can be implemented; financial institutions should carry out competitions for high-quality and civilized services to further improve the quality and level of services and establish a good financial image; the municipal government will continue to impose stricter regulations on banking institutions. Incentive policy for credit extension.

6. Resolutely stop the evasion of bank (credit union) debts and effectively improve the concept of social credit. Financial claims shall be protected in accordance with the law during enterprise restructuring, and malicious debt evasion must be resolutely stopped. Relevant departments shall not handle restructuring approval and registration procedures for them. In the process of restructuring, we adhere to the principle of "actively recognizing debts, taking debts with them, making mortgages with preferential repayments, implementing them in accordance with the law, and ensuring repayments." Creditor banks must directly participate in the company's asset liquidation and capital verification, property rights definition, restructuring plan formulation and liquidation disposal. The municipal and district levels should establish a "bank-law consultation" system to improve the settlement rate and enforcement rate of loan collection lawsuits by financial institutions. At the same time, we organize from time to time to crack down on malicious arrears of loans and interest, and implement "no new loans, no external payments, no opening of new accounts, and no contact with legal representatives for enterprises and individuals who maliciously owe loans and interest, and repay loans within a time limit." "joint sanctions on all financial services." This is a reference for you.