Work plan for clearing debts

Using the two scientific methods of investigation and prediction technology can effectively write a good work plan. When planning to do a job, the superior will choose the best scheme according to the submitted work plan. What should be written in the work plan? The following is my work plan for sorting out debts for everyone, which is for reference only and I hope it will help you.

Article 1 of the debt clearing work plan 1

In order to further meet the needs of reform and opening up and enterprise development, safeguard the interests of enterprises and revitalize enterprise funds, these measures are formulated.

second

Clearing debts is an important work in enterprise management.

The quality of clearing debts directly affects the production and operation effect and even the survival of enterprises.

Therefore, leaders at all levels, all units and departments should attach importance to it and never treat it lightly.

It is necessary to establish the concept that "clearing debts is efficiency and reducing burdens is efficiency".

essay

A leading group composed of the chairman and general manager as the team leader, the chief accountant as the deputy team leader, and the public security, discipline inspection commission, legislative affairs office and finance department was established. The finance department has a debt settlement office, which is responsible for the daily work of debt settlement and is directly led by the finance department in business.

Article 4

When a new project starts, a project cleaning team should be set up.

The debt liquidation team is in charge of the project manager, and its members are composed of the project planning supervisor and the financial supervisor. * * * Our company will complete the work items related to project valuation, final accounts for completion, debt collection, etc. in the debt collection, until the recovery of various receivables of the project is completed.

Article 5

For the project receivables and other receivables left over from the past years, all units should conduct a comprehensive clean-up, distinguish the arrears unit, the age of arrears and the actual amount of arrears, list the details and the expected recovery time, distinguish the responsibilities and facilitate collection.

Article 6

For the accounts receivable left over from the past years, the limited company shall designate relevant responsible persons to be responsible for collection, and check them with wages and bonuses; Sign the responsibility book of debt liquidation, and clarify the responsibilities and obligations of the responsible person.

After the collection is completed within the time specified in the responsibility book, the salary will be paid to the responsible person and the bonus will be exchanged according to a certain proportion of the recovered amount.

/kloc-The completed accounts receivable of 0/to 2 years shall be redeemed by 1%, 2% for 3 years, 3% for 4 years, and 4% for 5 years and above; The completed and pending projects will be rewarded at 5‰.

Article 7

After the project is over, the newly started projects should be cleaned up. If the project payment and other receivables exist in this project, the project manager, secretary, planning supervisor and financial supervisor shall be fined 20%, 65%, 438+00%, 5% and 5% of the salary income of the current year respectively, and ordered to recover within a time limit.

After the arrears are recovered, the original fine will be refunded.

If the responsible person can't finish cleaning up the arrears left over from the past years within the time limit of the certificate of responsibility, he will stop paying all his wages from the month that exceeds the specified time until the arrears are recovered, and the cash prize drawn according to the age specified in Article 5 of the preceding paragraph will be cancelled.

Article 8

Those who go out to pay off debts must be approved by the chief accountant, otherwise the relevant expenses will be borne by the individual.

The travel expenses and accommodation expenses incurred by the debt-clearing personnel during the debt-clearing period shall be reviewed by the debt-clearing office, and submitted to the relevant leaders for approval and reimbursement, and other related expenses shall be submitted to the company leaders for approval and reimbursement.

Article 9

The funds returned from arrears shall be recorded in a timely manner.

The use of funds is included in the scope of enterprise fund management, and no one may pay without authorization.

For the payment of foreign debts, the responsible person shall provide the payment plan in time and handle it after the approval of the company's leaders.

Article 10

The Finance Department shall be responsible for the interpretation of these Measures.

Implemented as of the date of issuance.

In recent years, with the rapid development of XXX company and the continuous improvement of its construction capacity, the demand for capital flow has been expanding year by year, and the funds in the process of settlement and default have been increasing, and the contradiction of the company's capital demand has become increasingly prominent. Recovering the project arrears is the main source of funds for the company. In order to safeguard the company's interests, reduce the risk of bad debts, revitalize funds, speed up capital turnover, meet capital demand, improve capital efficiency, and enhance the competitiveness of enterprises, leaders and departments at all levels of the company should attach great importance to and vigorously support the debt settlement work, and carefully organize, pay close attention to and earnestly implement it in accordance with the unified deployment and requirements of the group company and the actual situation of our company. All the debt-clearing personnel should overcome all kinds of external difficulties with a pragmatic working attitude and hard work style, fully explore the channels of project payment recovery, do everything possible to expand the results of project payment recovery, comprehensively promote the project debt-clearing work issued by the company this year, and ensure the completion of the project debt-clearing work.

First, the task indicators issued:

In the whole year, XX Company issued XXXX annual debt settlement index of XXX million yuan, accounting for% of the total amount owed by our company; The total amount owed to the debt collection office is RMB 10000.

Second, the specific work arrangements:

(a), improve ideological understanding, strengthen organizational leadership.

Management is the eternal theme of enterprises, and seeking benefits from management has become a very important concept of modern enterprise management. As an important means of enterprise financial management, more and more attention has been paid to gathering and managing money, effectively exerting the efficiency of fund use, reducing fund precipitation and clearing up arrears.

The huge project payment is in arrears, which aggravates the shortage of funds for enterprises and restricts their development.

The meager profits earned by hard work and sweat are slowly consumed, which makes people feel distressed.

Some projects are in arrears for a long time, and some have already formed bad debts and bad debts, resulting in the fact that they cannot be recovered.

Facing the grim reality, we are soberly aware that enterprises can achieve better and faster economic development only by doing a good job of clearing debts, reducing the deposit of funds, alleviating the pressure on funds and improving the efficiency of fund use.

Paying off debts is an arduous systematic project, which is closely related to the development and construction, management, standardized operation, capital turnover and benefits of enterprises.

Therefore, only by raising the awareness of cadres and workers on the importance and urgency of clearing debts can we create a good atmosphere for the smooth development of clearing debts.

Therefore, the competent leaders at all levels of the company should attach great importance to the work of clearing debts, help solve the difficulties and problems encountered in the work in time, and give strong support in manpower, material resources and financial resources.

(2) Clearing creditor's rights and establishing basic data.

In order to complete the annual task index and carry out the work in a planned way, the two-level debt clearing institutions should formulate the debt clearing plan item by item according to the actual situation of the debt clearing project, decompose and quantify the debt clearing index, and implement the debt clearing task index to the responsible person.

It is necessary to sort out and improve the debt settlement data, find and collect construction contracts, settlement data, completion data and various documents and vouchers, find out the background reasons and current situation of each creditor's right, further confirm the relationship between creditor's rights and debts and the amount in arrears, and establish debt settlement data files according to the project.

On this basis, according to the construction contract (agreement), the completed final accounts, unfinished final accounts, the amount of money priced by the project inspection but not paid according to the contract, and all kinds of deposits due in the previous year are counted item by item to accurately define the scope of debt settlement.

Items that are really difficult to collect and need to be collected by the debt collection office must be handed over together with the above-mentioned debt collection data files.

(3) Quantitative indicators and standardized management.

Combined with the actual debt settlement work, the company will formulate the management measures for debt settlement in 2009 and the responsibility book for debt settlement targets, and clarify the responsibilities of two-level debt settlement units and full-time debt settlement personnel. In order to achieve the goal of the task, ensure the implementation of the work of clearing debts, and put pressure on every staff member, it is necessary to implement the working principle of "four determinations", that is, personnel, indicators, tasks, rewards and punishments.

The task index is decomposed into each employee who pays off debts, and the employees are assessed by the system and actual effect. Give a certain percentage of commission according to the time when the creditor's rights are formed and the difficulty of debt collection. The basic salary, performance salary and other salary subsidies of full-time debtors are assessed according to the completion of task indicators, so as to urge debtors to work actively and fully mobilize their enthusiasm for work.

Make a record of return visits. After making a brief record of the other party's words and commitments in the process of paying debts, the debtor asks the reception staff of the debt unit to sign for confirmation.

Doing so, on the one hand, attaches great importance to the debt unit, on the other hand, it is the dynamic management of the debt-clearing personnel, on the other hand, it has been extended from the limitation of legal proceedings of creditor's rights.

It is necessary to hold regular debt-clearing meetings, and leaders at all levels should promptly listen to reports on problems encountered in debt-clearing work and study and adjust them as appropriate.

Each unit shall make monthly statistics on the number of transactions, items, amounts and the completion of debt repayment indicators, and report them to the Finance Department and the company's debt repayment office, so as to gradually bring creditor's rights management and debt repayment collection into the standardized management track.

(4), highlight the key points of work

According to the reasons for the formation of creditor's rights and the debtor's credit status, each creditor's right is analyzed and studied to determine the key collection objects.

First, focus on the projects with complex creditor's rights and unclear creditor's rights;

Second, the creditor's rights projects with long overdue time, large amount and high risk are regarded as the focus of debt settlement;

The third is to focus on the governance of government investment projects and real estate development projects in arrears.

For key and difficult projects, according to different situations, formulate specific plans and measures to clear debts, designate special personnel to be responsible, make full use of various means and channels, and do everything possible to achieve the goal of clearing debts.

(5) Specific measures.

Only by perfecting the system, finding out the projects, perfecting the data, establishing files, making plans, drawing out key points and quantifying the task indicators can the work of the year be carried out in an orderly manner.

The main measures taken to pay off debts are:

1. Promote debt settlement by legal means. On the basis of perfecting the creditor's rights procedure, we will use legal means to pay off debts for debtors who are rich and deliberately in arrears and safeguard the legitimate rights and interests of enterprises.

2. Use the network platform to carry out online debt.

Taking the opportunity of clearing up the arrears of construction funds in the field of construction by the state, the project of clearing debts was declared on the "China Construction Engineering Information Network" of the Ministry of Construction, and the advantages of network opening were used to clear debts.

In the spirit of never giving up until we reach our goal, and in the face of all kinds of difficulties and prevarications from debtors, all the staff of our company are fighting in the front line of paying off debts. In this year, the average number of reminders for each debt settlement point is as high as 200 to 300 times. They never complained about being tired, but simply gnawed at one hard bone after another with two legs and one mouth.

Some debt collectors neglected to take care of the elderly who were seriously ill and hospitalized, and ran around for several months to collect debts. They are used to the debtor's "cold eyes" and sit on the debtor's "cold bench". Some of them were reviled by unreasonable debtors, but they still didn't flinch. Wherever the debtor went, he couldn't get his money back and people didn't leave, showing a strong sense of responsibility and selfless professionalism. It is this spirit that all paid-off units have got their money back to some extent this year, and there is no gap.

In order to get money, our debt collection staff cleaned the office, made tea and poured water.

Some people cried after being scolded, wiped their tears and walked into the debtor's office again. What they did was touching. It is such a person who goes out early and returns late, which opens up the situation of paying off debts.

Three. Existing difficulties and problems

Over the past year, with the help of the company's efforts to manage the opportunity period of arrears of project funds, the collection of arrears has achieved good results.

However, there is still a long way to go. At present, the company still owes a lot of money, and related contradictions and problems continue. The contradiction between the past and the future is prominent, and the problem contracts are still widespread. The arrears of completed projects are prominent, and the phenomenon of difficult project settlement and long-term delays in projects is widespread, which has become a serious problem.

The overall comprehensive ability of debt clearing personnel is still relatively weak, which needs to be improved in work practice and strengthened in future training activities.

It is also necessary to raise the awareness of cadres and workers on the importance and urgency of clearing debts, give full play to the role of various functional departments, cooperate and support each other, form a joint force, and do a good job in clearing debts.

Fourth, the next step is to pay off the work plan and suggestions.

After a year of joint efforts, the problem of arrears in project payment has been alleviated to a certain extent. In the future, clearing debts will still be one of the major issues that must be solved in the process of healthy and rapid development of enterprises.

In view of the future work, we should continue to further solve the problem of ideological understanding.

We should fully understand the long-term, complex and arduous work of clearing debts, continue to maintain a strong momentum of advancement, continue to do a good job in clearing debts, be mentally prepared for long-term efforts strategically, and do a good job in organizational planning and in-depth promotion tactically.

Closely around the development of enterprises, we will not relax ideologically, weaken organizational measures and recover debts. We have the responsibility to strengthen the work of clearing debts, deepen practice and further improve the quality and effect of clearing debts.

Continue to further strengthen organizational management.

Chapter I Work Plan and General Rules for Clearing Debt

Rule number one. In order to solve the major problems that hinder the survival and development of enterprises, such as default, default, refusal to pay and so on, which are faced by dealers and customers in the company's business activities, strengthen the management of dunning work (hereinafter referred to as debt repayment work), guide enterprises to standardize their operations, prevent delays and debts, and promote enterprises to improve management quality and enhance their competitive strength, these measures are formulated.

Article 2. Accounts receivable refer to all kinds of money that the company should collect from the buyer according to various supply contracts (agreements). These include mainframe payment, confirmed warehouse advance payment, company repurchase and advance payment caused by financing, prepaid transportation fee, spare parts payment and so on.

Article 3. Arrears refer to overdue receivables stipulated in the contract, including the interest that should be compensated for arrears.

Article 4. According to China's relevant laws, signed supply contracts and performance, the company collects accounts receivable through litigation or non-litigation, handles economic disputes caused by payment default, solves historical payment default matters and takes measures to prevent payment default.

Chapter II, Institutional Responsibilities and Personnel Allocation

Article 5. The Company has set up the "Debt Settlement Working Group" (hereinafter referred to as the "Debt Settlement Working Group"), and the debt settlement of the Company is led by the general manager, and the designated leader is fully responsible for the debt settlement leadership of the Company.

Article 6. Under the direct leadership of the company, the debt settlement team implements professional management and professional guidance on the company's debt settlement work, participates in the collection of large loans, and coordinates and solves major problems in debt settlement work.

Article 7. All departments and subsidiaries of the company should attach great importance to debt settlement. The general manager shall designate the main leaders to be responsible for debt settlement, and set up a special debt settlement institution to be responsible for debt settlement. The debt clearing institution shall be equipped with sufficient staff and define clear post responsibilities.

Article 8, the company should gradually establish and improve the existing accounts receivable department and independent responsibility account, and the financial,

Sales, legal affairs, and subordinate companies cooperate to settle debts, and gradually establish a confidential case, dealer credit, and enterprise risk management system.

Article 9. The staff of the company's debt settlement team should have a certain professional level and comprehensive business ability. It is necessary to attach importance to the cultivation of professional quality and the improvement of business ability of the staff of the debt settlement team, and support and actively send personnel to participate in various business trainings related to debt settlement work inside and outside the system.

Chapter III, Responsibility System

Article 10 The person in charge of arrears is the first person in charge of debt settlement, and with the assistance of the debt settlement team, he is fully responsible for the debt settlement of the department and its subordinate companies. For dealers and customers with large overdue amount, long aging and high difficulty, the relevant personnel of the main departments of the company should personally participate in the planning, decision-making and organize the implementation. Article 11 Members of the company's leadership team should actively participate in assisting in debt settlement, assume corresponding debt settlement responsibilities according to the division of responsibilities, and incorporate debt settlement indicators into the leadership management assessment index system.

Article 12 The company's chief financial officer is responsible for the professional management of financial data involved in debt settlement. According to the payment terms stipulated in the contract, the company's finance department timely supervises the recovery of payment, controls the occurrence of arrears, urges the collection and recourse of arrears, verifies the fees for clearing debts, and assists in handling bad debts.

Article 13 Departmental responsibility

1. The legal department of the company is responsible for the management, coordination and guidance of the company and its subsidiaries. Conscientiously implement the management system and measures of higher authorities on clearing debts; Grasp and summarize the progress of debt settlement, review and fill in relevant reports and provide analysis data; Manage and supervise the work of the person in charge of each link. Responsible for organizing relevant departments to study and formulate measures and methods for customer debt settlement.

2. The Marketing Department and its subordinate institutions shall bear continuous responsibility for the whole process of contract signing and performance. Responsible for coordinating and resolving disputes related to contract terms in the process of clearing debts, providing effective evidence according to the supply contract and settlement materials, and providing payment basis for clearing debts. Overseas offices must assist the clearing team to make corresponding arrangements for the regions where dealers and customers are located.

3. The finance department should strengthen the settlement and recovery of payment, strictly implement financial accounting and collection procedures, provide accurate arrears data, collect dynamic information of customer funds, and communicate with the company's debt settlement team in time. Participate in the implementation of debt-to-equity swap, debt repayment in kind, physical realization and asset evaluation.

4. The technical center, customer service department and subsidiaries of the company should organize forces to coordinate and solve problems in a timely manner.

Deal with the quality problems of customer complaints and clear the debt obstacles.

5. The subsidiary where the arrears business is located shall provide relevant settlement vouchers so that the Finance and Legal Department and the debt settlement team can grasp the payment settlement amount and ensure timely payment settlement.

6. The Marketing Department shall provide original materials and data such as negotiation visa in business cooperation in time to ensure the completeness and accuracy of the evidence. And before the case is handed over to the Ministry of Justice, all relevant information will be submitted to the Ministry of Justice.

7. The Legal Department should strengthen the management of legal services and contract review, so as to sign opinions before the contract is signed, make the contents public after the contract is signed, and conduct inspections during the performance. Collect all kinds of evidence in time and accurately, put forward effective solutions, and conduct evaluation, filing and litigation according to the procedures of case and litigation examination and approval.

8. Other relevant departments and subsidiaries of the Company shall bear the liability for debt settlement according to their work functions. Anyone who fails to carry out the collection of arrears arranged by the company shall bear the responsibility. Article 14 If the relevant contracts (agreements) signed without the consent of the company and other departments cause great economic losses to the company, the business and the person who signed the contract are the direct responsible person for clearing debts and the lifelong responsible person for payment. All subordinate companies should strictly implement the contract terms, combine customer development, relationship maintenance and payment recovery, and maintain the relationship between dealers and customers according to the actual payment situation.

Chapter four, the principle of paying off debts.

Fifteenth the guiding ideology of debt settlement is to claim the creditor's rights according to the contract and safeguard the rights and interests according to law. According to the principle of active collection and paying attention to strategy, creatively carry out the work of clearing debts. Pay attention to the combination of repayment, tax deduction, debt repayment and disposal of non-performing assets in the work of clearing debts. We should properly handle the relationship between clearing debts, market development and customer maintenance. Article 16 Dealers, customers and related debtors who are in arrears should be analyzed one by one to find out the reasons for arrears, determine the goal and implementation plan of debt settlement, adopt different debt settlement methods according to the customer's capital and credit status, and verify the debt settlement index.

For dealers, customers and debtors with good capital status, it is necessary to increase collection efforts and recover cash.

For dealers, customers and debtors with poor financial conditions but promising project market prospects, after full investigation and demonstration, they can use effective mortgage guarantee to pay off their debts, report them to the finance department, the legal department and relevant departments for review, and implement them after approval by relevant leaders.

For dealers, customers and debtors with poor funds and poor management, we can consider paying debts in kind, and do a good job in asset evaluation, evaluation, preservation and asset ownership transfer registration.

For customers and debtors with poor financial conditions, malicious breach of contract or malicious evasion of debts, litigation or other actions should be taken decisively.

Legal form, and the way to safeguard the rights and interests of enterprises permitted by law.

Seventeenth, strengthen the management of basic data and documents, and carefully clean up the information of ongoing supply cooperation business and historical payment arrears business. Establish accounts receivable account and implement dynamic management of debt settlement.

Article 18 Where conditions permit, the transfer of creditor's rights and debts shall be carried out in accordance with legal procedures, so as to reduce the double pressure of enterprise arrears and debts.

Article 19. In line with the principles of internal consultation, internal arbitration, reconciliation with the debtor, and handling affairs according to the operating rules of the market economy, properly solve the creditor's rights and debts involved between the company and its subsidiaries and departments. Twentieth, the Contract Law, the Guarantee Law and other laws and regulations, as well as the Supreme People's Court's judicial interpretation of the Contract Law and the Guarantee Law are the legal basis for solving the problem of breach of contract. For debtors who fail to pay according to the contract, legal weapons should be used to safeguard the rights and interests of the company.

Chapter five, measures to prevent default.

Twenty-first, pay attention to market research, customer credit survey, project prospect analysis, and strengthen the early prevention work. Establish and improve the sales contract evaluation system, formulate detailed contract terms, sign the supply contract cautiously, reasonably prevent and resolve the default risk from the source, and improve the quality of procurement and sales business.

Twenty-two, adhere to the model contract text audited by the company, and strengthen the binding clauses on settlement and payment in the supply contract. Clearly stipulate the payment amount and time limit, liability for breach of contract and settlement method.

Twenty-third, subordinate subsidiaries and departments as suppliers, to strictly fulfill the contract, to ensure product quality. Give timely feedback and enthusiastic reply to the opinions put forward by customers, solve problems in time when they are found, and do not leave customers with excuses for breach of contract.

Twenty-fourth, strengthen the evidence awareness of personnel at all levels, types and related positions, and strengthen the management of basic data. Pay attention to the settlement and collection of business progress during the performance of the contract, record every economic business activity at any time, do a good job in correspondence registration, visa confirmation, filing of change negotiation documents, pay close attention to the debtor's credit information, collect evidence in time, and do a good job in pre-litigation basic work of claim and settlement at any time.

Article 25. During the performance of the contract, once it is found that the dealers and customers fail to pay as agreed in the contract, or the recovery of payment is lower than the agreed proportion, all relevant departments should take immediate actions according to their responsibilities until they stop supplying or take relevant measures to timely resolve the risk of default.

Article 26 After completing the performance of supply in accordance with the contract, the creditor's right that fails to pay the supply amount in full or reasonably arrange the supply arrears or lacks the guarantee of recovery shall not be supplied again.

Twenty-seventh, vigorously strengthen the information construction of comprehensive smis, and gradually establish a corporate customer credit information base, including credit information and files such as company and distributor, distributor and customer terminal contracts, customer service reports. And upload smis system in time, implement network management, and use modern means to prevent risks.

Chapter VI, Accountability System

Article 28. Subordinate subsidiaries and departments should specifically analyze the unfavorable situation of the formation and recovery of any arrears, and draw a clear line between individual responsibility and unit responsibility. Investigate according to the responsibility and never tolerate it. If it constitutes an illegal crime, it shall be investigated for legal responsibility according to law.

Article 29. If the delay in paying off debts causes losses to the property of the enterprise as a legal person and the state-owned property of the company, it shall be handled in accordance with the relevant laws and regulations of the state and the relevant rewards and punishments of the company.

1. For dealers and customers with serious arrears and poor collection, the personal responsibility of the responsible person and business manager should be directly investigated. The investigation and handling methods include informed criticism, administrative demerit, dismissal, economic responsibility investigation, etc.

2. The responsible person who has made clear the responsibility and caused heavy losses due to breach of contract shall not be promoted or agreed to be transferred from the company before the losses are recovered or reduced.

3. Financial personnel who violate the financial management system and cause direct or indirect losses shall be investigated for their responsibilities according to the accounting law and financial management system.

4. If the contract signing department made mistakes in the preliminary work and the customer's credit information was inaccurate, resulting in serious arrears and losses in payment for goods, the department head and the parties concerned shall be held accountable according to the circumstances.

5. For the sales personnel who are seriously in arrears and directly responsible, they are not allowed to go through the resignation procedures and their qualifications for participating in the competition are cancelled. Those who fail to complete the goal of recovering the payment for goods and paying off debts in the current year shall not cash the commission award and enjoy the year-end bonus.

6. Receivables or arrears shall not be regarded as actual income, and bonuses such as commission and year-end bonus shall not be cashed for the management team or sales staff of subordinate subsidiaries and departments. For those who do not take the initiative to collect debts or delay the work of clearing debts, the arrears and accounts receivable will be used as "small treasury" for "a few people" or "small teams" to consume or seek personal gain, and the responsibility of the relevant responsible person will be investigated according to the circumstances.

7. All departments and individuals who fail to pay back will be severely punished, and their economic and legal responsibilities will be investigated according to the circumstances.

8. Those who falsely report or conceal the results of debt settlement or statistical data shall be held accountable and given administrative and economic penalties; If a crime is constituted, criminal responsibility shall be investigated according to law.