Summary of loan officer's work in 2020

Five Summaries on the Work of Loan Officers in 2020

It is not easy to be an excellent loan officer. First of all, you should know what to do and what not to do. Year-end summary is essential. I am here to bring you a five-point summary of the work of loan officers in 2020. I hope you like it!

Annual Work Summary of Loan Officers 1 This year, under the unified arrangement of the bank leaders and the credit department, the credit work of _ _ sub-branch took accelerating development as the theme, focusing on expanding the scale of deposits and loans and improving the quality of assets, focusing on strengthening credit management, and based on implementing various credit systems, it experienced "extraordinary contribution 6+ 1" in the first quarter and "Avenue of Stars" in the second quarter. _ _ Branch's operating performance grew steadily. 65,438+At the end of February, the balance of various deposits in sub-branches was RMB 2130.7 million, an increase of RMB 2145 million compared with the beginning of the year. The balance of various loans was 6,543,800+0,654,380+0,344,000 yuan, an increase of 25.27 million yuan compared with the beginning of the year, with loan-to-deposit ratio accounting for 53%; The balance of non-performing loans was 6.5438+0.6 million yuan, down 0.9 million yuan from the beginning of the year; The amount of bank acceptance bill is 88.49 million yuan; The discounted amount is 55.07 million yuan; The interest income is 5.84 million yuan, and the half-year profit is 3.77 million yuan. The objectives and tasks assigned by superiors have been fully completed, and credit management has gradually become standardized and institutionalized.

First, earnestly implement the policy, strictly follow the requirements of standardized management, earnestly strengthen the basic work of credit, and ensure the completion of various indicators.

Over the past year, the Bank has earnestly studied and profoundly understood the spirit of the meetings and documents of the Head Office, timely analyzed the situation, conscientiously implemented policies, strictly supervised enterprises, standardized internal management, and effectively prevented risks, which not only improved the credit management level, but also laid a solid foundation for ensuring the completion of various business responsibility assessment indicators throughout the year.

In terms of loan delivery, the sub-branch attaches great importance to the risk management of loan delivery and has taken the following measures:

(1) Strictly implement the guidance on credit risk control issued by the Head Office, further control credit risk and standardize credit granting behavior. The pre-loan investigation and approval procedures were tightened, and the scope and requirements of the pre-loan investigation for credit personnel were clarified to ensure that the credit investigation materials were true and effective.

(2) Strictly control the credit risk, strictly implement the credit risk prevention and control management system, fully implement the separation of loan review, standardize the loan review meeting, implement the regular meeting system of loan review, hold meetings in strict accordance with the procedures of loan review meeting, and clarify the responsibilities of the main responsible persons in each link.

(3) Carry out the post-loan inspection in a down-to-earth and meticulous manner, regularly and irregularly check and analyze the business status and mortgage and pledge of the enterprise, and carefully fill in the post-loan management form.

(4) Earnestly do a good job in the five-level classification of loans, formulate specific implementation rules for the five-level classification operation, unify customer classification, and improve the quality of credit management.

(5) For working capital loans, discount loans and acceptance bills, the unified investigation and approval format of the Head Office should be strictly implemented in the process of approval, so as to effectively control the credit risk from the source.

(6) Actively cooperate with the Credit Department of the Head Office to conduct credit inspection. No irregularities were found during the inspection, and the credit work was affirmed and praised.

Second, through credit leverage, seize market share, strengthen financial strength and enhance development potential.

This year, the Bank continued to focus on developing credit business, carrying out credit marketing and actively organizing deposits. , conscientiously do a good job in the return visit of large households, pay close attention to and master the fund operation and operation of loan units; Vigorously organize deposits, actively develop business and tap customers.

1. This year, our credit funds were mainly invested in high-quality enterprises and large and medium-sized projects, and we continued to support high-quality enterprises such as Zhonglian Julong Cement Co., Ltd., Yicheng Construction Co., Ltd. and Lima Real Estate Co., Ltd., and invested these loans as an important strategic measure for our bank to adjust the credit structure, spread credit risks, seize market share and maintain sustainable development, and further optimized the credit structure. Moreover, by optimizing the credit structure and correctly putting in credit funds, the bank's quality customers are increasing. It not only reduces the business risk, but also achieves good social benefits.

2. This year, the bank insisted on diversified business development, accelerated the development of bill discount business, and focused on increasing the credit line for high-quality customers, which not only reduced the overall risk of loans, but also brought rich interest income. With the implementation of relatively independent accounting, the economic benefits have been significantly improved. This year1-February, the interest income was 5.84 million yuan, exceeding the interest income level of last year, and the profit was 3.77 million yuan, effectively expanding the financial strength.

Third, intensify credit marketing, constantly expand business space and accelerate the pace of business development.

1. This year, our bank has made some breakthroughs in the development of credit business, especially automobile consumption loans. Our bank also pays special attention to strengthening cooperation between banks and enterprises and coordinating the relationship between banks and enterprises. According to the development of the form and the needs of practical work, actively carry out investigation and research, exchange information with enterprises, strengthen understanding and cooperation, negotiate solutions to problems, increase support for enterprises, and build a new relationship between banks and enterprises. In March, the Bank held a networking event with City Automobile Sales Co., Ltd., which strengthened the communication and understanding between banks and enterprises and established a deep cooperative relationship between banks and enterprises.

2. This year, the Bank further improved its understanding of credit marketing, continued to promote the construction of civilized credit projects, seized the market share to the maximum extent, established a stable customer base, stepped up its marketing efforts to the private economy and individual residents, selected individual enterprises and urban residents with good credit and strong repayment ability as credit marketing targets, combined credit marketing with green and civilized credit ecological projects, and built its unique credit marketing brand through a series of social and civilized credit creation activities.

Three, establish and improve the internal management mechanism, orderly business operation, improve work efficiency and promote business development.

While constantly strengthening and improving the daily credit work, our bank also pays attention to strengthening the business learning of credit personnel, so as to make the business operation handy and improve the quality and efficiency of work. Do a good job in filing and carrying forward credit data, implement one file for each household, and establish a complete customer information file system for timely reference and call.

For credit ledgers and statements, it can reflect the data completely and accurately, report the statements in time, do a good job in credit registration and provide information in time. While doing a good job in management, the bank constantly strengthens service awareness, improves service means, actively carries out high-quality and civilized services, establishes a "window" image, retains depositors with services, attracts deposits with enthusiasm, always serves customers better with the spirit that customers are God, improves external image, and promotes business development with high-quality services.

Fourth, work ideas for next year

1, based on the current situation, do a good job in all stages, and on the basis of this year, it will be fully launched next year.

Next year, we will do a good job in the arrangement and implementation of various credit businesses. For projects that have been intended this year, we will strive to implement them well next year. For example, do a good job in the mortgage of commercial housing in Xingang International and Huayin Real Estate, do a good job in the return visit of large households, strengthen the statistics of the withdrawal of funds from loan enterprises, consolidate old customers, develop new customers, carry out credit marketing in an all-round way, and strive to complete various indicators and tasks of credit business.

2, do a good job of enterprise credit rating, to provide a scientific basis for credit decision.

Seriously investigate and verify the enterprise's situation, carry out the enterprise credit rating work, seriously study and deeply understand the relevant documents and the credit rating management measures of the head office, strictly follow the unified standards and calculation methods stipulated by the head office, ensure the objective, fair and accurate evaluation of the enterprise's credit rating, truly reflect the enterprise's management, financial situation and reputation, and establish a basic basis for banks to measure the risk tolerance of enterprises with accounts and implement the credit access mechanism.

3. Summarize experience and strengthen management.

Further strengthen the basic management of credit, strengthen the integrity, accuracy, compliance and confidentiality management of credit files according to the inspection requirements of the Credit Department of the Head Office, and establish and improve the credit business ledger, credit ledger, mortgage and pledge ledger and non-performing loan supervision ledger. Establish the best combination of sub-branch management objectives to ensure that the asset quality of sub-branches remains stable.

Although some achievements have been made in all the work this year, there is still a certain distance from the requirements of the leaders of the bank. We calmly analyzed the existing shortcomings:

First, the standardized management of business needs to be further strengthened, and the system stipulates that it should be fully implemented in all positions and links of business work;

Second, the scope of business development needs to be continuously expanded, and the fields involved should be broader and deeper to promote the rapid and sustainable development of business.

The above issues will be the focus of the bank's future work. In the future, we will strictly strengthen management, constantly explore new business areas, have high standards and strict requirements, and constantly improve and improve under the correct guidance of the bank leaders and the Credit Department, and strive to do all the work next year.

2 20__, summary of the annual work of loan officers With the correct leadership of the county people's bank and county credit cooperatives and the strong support of the local party committee and government, I always take "honesty and trustworthiness, being ashamed of forgetting profits" as the code of conduct, further intensify my work, cooperate with the leaders of credit cooperatives, advance in difficulties, rise under pressure and creatively carry out various businesses.

Looking back on our work in the past year, we have made more gratifying achievements on the basis of our original achievements.

First, strengthen study and improve their comprehensive quality.

1, insist on learning as a guarantee to improve yourself.

"How can the canal be so clear? Only flowing water comes from the source. "

I know very well in my work practice that no matter what occupation I am engaged in, I need to keep learning and keep my thoughts, culture and business fresh. So I usually attach great importance to theoretical and business study. After work, I persisted in studying the principles and policies of the Party and the country, especially Scientific Outlook on Development's theory of building a "harmonious society" and the socialist concept of honor and disgrace, carefully understood, cleared my mind and kept pace with the times. This makes me often hang a "green light" in my work practice.

At the same time, it is recognized that the study of political theory can only solve the problem of direction and motivation in work, and the study of culture and business can solve specific problems in work.

To this end, as always, I subscribe to various business publications and read widely. While improving the understanding of policies and theories, we should strengthen the management ability of enterprises and correctly handle the relationship between work and study, so as to do our bit to maintain the image of the industry, maintain the normal operation of the industry and promote the healthy development of social economy.

2. Adhere to the concept of "development is the top priority".

Firmly believe, build up confidence, work based on the present, focus on the long-term, and insist on serving the overall situation of reform, development and stability as the starting point and foothold of their actions. In the work, strengthen moral cultivation, build a strong ideological and moral defense line, be honest and self-disciplined, and resolutely resist all kinds of unhealthy trends in this industry.

In my opinion, the good results achieved in 20 1_ years are directly proportional to my usual emphasis on establishing good professional ethics and image and constantly improving my theoretical and professional quality.

Second, based on their own duties, actively carry out business work.

(A), a clear responsibility, based on agriculture, rural areas and farmers, serving agriculture, rural areas and farmers

1, follow the "tight policy", optimize the loan investment, establish the guiding ideology based on agriculture, and make unremitting efforts to rationally adjust the credit structure and improve credit management.

Adhere to the principle of "funds support agricultural production", simplify the loan procedures for small farmers to develop agricultural production, fully implement the system of "whoever gives and receives" and "Bao Cun Hu Bao", carry forward the fine tradition of "backpacking to the countryside" of rural credit cooperatives, actively provide on-site services, grasp the people's demand for production and living funds, issue loans in time, think about the people's thoughts and worry about their urgent needs.

In 2006, I continued to cover three villages, with a heavy workload, especially _ _ village, which is remote, inconvenient in transportation, poor in production conditions and difficult in life. It takes more than four hours to walk every time, and some people lack money to buy seeds, pesticides and fertilizers. And rural people often can't handle all kinds of loan procedures smoothly, which affects production and life.

According to this situation, I often go to my home to learn more about it. Farmers who do have difficulties in this area will establish a relationship of mutual trust with them, and then they will repay the small loans on time, so as to establish a credit foundation for future loans. Due to mutual trust, in 20 1_ years, I gave loans to 290 households in three villages, totaling nearly 2 million, and there was no "bad" phenomenon. It has promoted the increase of agricultural production income in this village and contributed to the diversified development of rural economy.

2, based on the local, mining resources.

Under the premise of not breaking through the mandatory indicators, we should try our best to support the local development of aquaculture, start with encouraging the development of local resources, enthusiastically support the pillar industries of science and technology, and focus on supporting farmers to engage in lotus root starch processing and develop aquaculture. For example, at the beginning of the year (March), farmers need to expand the acquisition of agricultural and sideline products, and they are in urgent need of subsidy funds. It happened that I was passing by. Seeing that he was in a dilemma, I took the initiative to understand the situation with him. Knowing that he really had difficulties, I promised to lend him 5000 yuan.

At the end of 20 1_, his net income was 15000 yuan. On June+10, 20__ in 5438, he repaid the loan principal and interest as scheduled. For farmers in other villages, this is how I deeply understand and observe the people's feelings to solve their urgent agricultural production.

20 1_, I issued more than 900,000 loans, developed local resources and supported 1 18 households. They are engaged in dry lotus root starch processing, winter corn planting, goat breeding and so on.

According to incomplete statistics, the processing capacity of lotus root powder is about 40 thousand Jin, which is slightly lower than that of 20 1_ year, and the rest is more than that of previous years. These benefits of farmers are the results of my foothold in the local area, my emphasis on mining local resources, and my in-depth investigation. I am deeply gratified that the countryside has developed and farmers are happy!

3. Conscientiously implement the policy of "discriminating, supporting the superior and limiting the inferior" and the system of "three checks" on loans.

Over the past year, I have proceeded from reality and conducted in-depth investigations, mainly supporting farmers with good management and good economic benefits. In accordance with the principle of proportion of "self-owned funds as the mainstay, supplemented by loan support", we should allocate them rationally and give full play to the loan benefits.

This year, a man from _ _ village visited the businessman's office. Due to years of accumulated business experience, he wants to use the convenient traffic conditions along the _ _ expressway to expand the scale of operation. He needs to tear down the original small tile house to rebuild and increase the investment of working capital, but his own funds are insufficient and he needs some foreign aid funds. After in-depth investigation and understanding, knowing that the situation is true, with the consent and approval of the leaders of this cooperative, it is decided to give this household loan support 1 10,000 yuan.

Because the household is well-run and well-made, the principal and interest of Ma's loan have been repaid in advance. As before, I actively support farmers engaged in transportation, agricultural and sideline products acquisition, project contracting, individual industrial and commercial households and household water tanks and biogas digesters with the same enthusiasm and working methods. It has solved the urgent needs of 160 households with financial difficulties, and invested 985,000 yuan in this loan. At the same time, the follow-up investigation of loan households has been strengthened to achieve good economic benefits.

Three, strengthen management, and strive to collect all kinds of non-performing loans.

In 20 years, there were 3 administrative villages and more than 90 natural villages under my jurisdiction. Because the farmers who owe money (before I contracted the village) live in scattered places, and the work is extremely difficult, but I can overcome the fear of difficulties. "Playing the piano in the rain with the wind" and walking on the wet mountain with a smile is a true portrayal of my "going out early and returning late" urging me to repay the loan.

Because I went deep into the village to investigate farmers, got the information of repayment funds, actively publicized the principles and policies related to loans, issued reminders by team to households, and implemented farmers' repayment plans within a time limit. The above-mentioned touching and silent actions touched the farmers who owed money, and received the mobilization effect of "silence is better than sound", which enhanced the sense of urgency and responsibility of farmers to actively repay loans. Although many farmers are short of money for a while, they still try their best to repay on time.

By the end of the year, overdue loans of 6.5438+0.4 million yuan were recovered, including 860,000 yuan of non-performing loans and 280,000 yuan of interest, and no one complained. Looking back on those difficult days, although there are still fears, every household is willing to repay the loan. My sweat has not been in vain, and it is worth it.

Four, unity and discipline, perform their duties.

1, strictly observe labor discipline, abide by various rules and regulations, and adhere to the system of asking for leave and terminating leave;

2. Adhere to the study system of attending the centralized meeting of the club twice a month, abide by the law and be proactive;

3. Establish and improve the archives and data management of large loans in an all-round way to ensure the quality of loans;

4. Cooperate with our colleagues. I'm a field worker, but my logistics office is closed. I obey the arrangement, no matter how busy I am at work, I will try my best to help you, with no regrets!

The above is an overview of my work in 20__ years, which is insignificant. Some achievements can not be achieved without the correct leadership and strong support of superiors. I know that personal strength is limited after all, and there is still a big gap between the requirements of superiors and the wishes of the masses in many aspects. Flowers still bloom every year, but they are different from year to year.

In the future work, I will, as always, "strive for the sun, sweat for rain, honesty as a crutch, and build bridges diligently" to strive for more fruitful results and more gratifying results.

Three years have passed since the loan officer summed up his annual work, and he has been working for two and a half years. As a loan officer of _ _ Bank _ _ Sub-branch, I have many feelings. Looking back on my work in the past 20 years, with the care of the head office and leaders and the help of all comrades, I earnestly studied my business knowledge and skills, actively performed my duties, and successfully completed my work tasks. From the aspects of ideological consciousness, professional quality, operational skills and excellent service, this year's work is summarized as follows:

First, strengthen study and strive to improve business skills.

Over the past year, I have studied credit knowledge seriously, read relevant books, and finally mastered basic financial knowledge and credit business skills through unremitting efforts. I became familiar with the new business process of the head office for the first time, handled the first commodity financing loan of the bank, and established a good business cooperation relationship with logistics supervision enterprises, which laid a foundation for the Bank to handle commodity financing business in the future.

Because I haven't been in the credit post for a long time, I don't have much credit knowledge. So I actively participated in every relevant training organized by the head office. At the same time, read relevant credit books after work, increase your own "knowledge base", grasp the relevant national industrial policies in time through online consultation, and reduce the credit risk brought by national macro-control.

Second, do a good job seriously.

I love my job, I can treat every task correctly and seriously, I can work actively, I can abide by all the rules and regulations seriously, and I can finish the tasks assigned by the leaders in time.

As the deputy manager of the marketing department, I deeply feel the heavy burden on my shoulders, and a slight negligence may cause credit risk. So I constantly remind myself and constantly enhance my sense of responsibility. I know that the quality of credit assets is related to the bank's development plan, and the responsibility is more important than Mount Tai, so we can't be careless at all.

In the pre-loan investigation, I adhered to the loan "three checks" system and the credit management system formulated by the Head Office, and carefully investigated every loan, from the borrower's subject qualification, credit standing, the current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of collateral; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production, sales and profits to the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully investigated every link without any slack.

After the loan, I checked the warehouse of the enterprise from time to time every month, kept abreast of the product market, grasped the purchase price of raw materials and the price of finished products, analyzed the profits of the enterprise in the current month and the cash inflow and outflow of our branch, wrote a survey and reported it to the Head Office regularly, which was well received by the post-loan department of the Head Office.

3. Actively complete the tasks assigned by the Head Office.

During the development of the credit rating system, the Head Office actively cooperated with the project team of the Head Office, and completed the tasks assigned by the project team with high quality in advance, which was praised and recognized by the leaders of the Head Office. In the new business developed by the head office, we carefully studied the relevant documents, sorted out the process, and actively discussed with the leaders of the company's business departments to correct the shortcomings of the existing process, which was affirmed by the leaders of the company's business departments.

Looking back on one year's work, I feel that there are still many shortcomings. First, the improvement of professional quality is not fast, and the loan risk control is immature; Second, only to meet their own tasks, work development is not bold enough, and management experience is still shallow.

In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, fulfill my duties, obey the leadership, be a good employee assistant, work together with all employees, improve the operating efficiency of our bank, and make my due contribution to the completion of various tasks and goals in the past 20 years.

Summary of loan officer's annual work 4. I am the loan officer of _ _ _ branch. I have investigated _ _ loan customers and successfully lent _ _ loans with a loan amount of _ _ million yuan, all of which are normal loans. The hard course of free credit from scratch. I think I have the following experiences;

Facing the position of loan officer, I was really timid at first. Since I joined the work in _ _ _ _, I need to go to the customer's home every three days to learn about the customer's basic situation and business information, investigate and master the customer's loan purpose and repayment willingness, and analyze the customer's repayment ability. These are really too difficult for me who is not good at communicating with people. In the first month, I have been thinking, what should I do if I can't get the money out? Sometimes I quit my job and think it's better to continue to do my old job.

After learning about the general mentality of loan officers, the leaders of branches talked to everyone in time to emancipate their minds and put down their burdens, saying, "Don't deny yourself easily before you do it, and you will definitely like the post of credit gradually." The patient guidance of the leaders and the description of the development prospects have made everyone gradually emboldened in their work. The ideological worries were eliminated and the whole team began to have vitality. Like everyone else, I was greatly encouraged and made up my mind to learn from scratch.

Through professional training and self-study, I gradually mastered the microfinance business and operation process.

Through the vigorous publicity in the early stage of the sub-branch, some customers in need began to come to consult one after another, and I also welcomed the first loan customer. That day, with mixed feelings, another colleague and I took the bus for an hour and a half to _ _ village. This customer is a farmer, with more than ten years of breeding history, and knows the market very well. At the customer's home, after I introduced myself, I began to ask questions item by item according to the investigation order required during training. Because it is the first time to communicate with customers on "marketing", I don't know enough about the industry, so I feel very nervous. After asking for less than 20 minutes, the customer suddenly said, "I won't lend, so go, just borrow some money from your bank, just like trying a prisoner." As soon as I saw it, I explained it quickly, but the farmer just didn't cooperate. Helpless, my colleagues and I were disappointed, and the first marketing "abortion".

On the way back, I recalled the scene over and over again and asked my colleagues how they felt. After analysis, I found the answer: the problem is not the customer, but I can't communicate with the customer at all, and I don't understand the needs and difficulties of the other party, which has caused an embarrassing situation.

Ask yourself, if you are always so bad at communicating with customers, who will dare to come to me for a loan in the future? No, you must change it and practice from the beginning! From then on, after work every day, I went to the streets with my colleagues to publicize, chat with small businesses and practice introducing loan business; After work, I also visit relatives and friends, introduce bank microfinance, and take them as practical objects. Where there is a will, there is a way. Now I feel that my communication skills have been greatly improved.

How to integrate bank micro-loans into local economy has become an important breakthrough in the credit work of sub-branches. According to our research, the development of credit village will be the key customer development of future sub-branches. It is our primary task to deeply understand and master the management situation and laws of farmers and understand the industry as soon as possible. Find several farmers through relatives and get to know the situation with colleagues on the spot. After a long time, I gradually got used to this kind of work.

Although my work performance for half a year is not ideal, I deeply feel that my work cannot be separated from the care and support of the leaders and the credit department team. At the same time, I would like to thank my family who have been supporting my work in obscurity. I will strive to be a qualified bank loan officer with the professionalism of "caring for everyone".

Summary of the loan officer's annual work for five and a half years, under the correct leadership of the credit cooperatives, I served as the director of the credit cooperatives, mainly in the following aspects:

First, improve the comprehensive quality of credit personnel and effectively avoid credit risks.

The quality of employees is the key to prevent and resolve non-performing loans, especially a high-quality credit management team is needed. First, strengthen the professional ethics education of credit personnel, improve their sense of responsibility and professionalism, and make the prevention of credit asset risks become the conscious action of credit personnel, so as to achieve the purpose of preventing moral hazard of credit managers. Second, we should strengthen the professional quality training of credit personnel.

Credit managers need to have and master a variety of knowledge, not only proficient in credit business, familiar with the loan operation process, but also master the financial knowledge of enterprises. The existing professional quality of credit managers is far from meeting the needs of business development. Credit managers should be trained and assessed in various ways to prevent the risks caused by poor ability of credit managers. Third, it is necessary to urge loan officers to grasp all laws and regulations in time, especially some basic laws and regulations closely related to the quality of credit assets, such as the Commercial Bank Law, the General Principles of Loans, the Guarantee Law, the Bankruptcy Law and the Civil Procedure Law. Mastering and using legal weapons is an urgent requirement of the times for credit personnel.

Two, combined with the actual situation, formulate a management mechanism with clear rewards and punishments and equal rights and responsibilities.

According to the actual situation of the credit union, with the consent of the credit union, the management mechanism of "three guarantees and one hanging" was introduced to the credit staff of the credit union in time, and an appropriate proportion of the interest income was taken as the income commission of the credit staff, which significantly increased the reward and recognition for those who contributed to lending, collecting loans and collecting interest, widened the income gap of the credit staff and improved the work enthusiasm of the credit staff. At the same time, clear the early warning point of the responsibility loan. When the non-performing loans in the credit personnel's responsibility loan exceed a certain amount, we will resolutely change from the credit position or even the position of the person in charge to prevent the loan quality from continuing to deteriorate and the non-performing loans from continuing to increase due to personal reasons.

Through half a year's practice, the expected effect has been achieved. Non-performing loans in the whole society decreased by 520,000 yuan compared with the beginning of the year, and the loan interest recovery rate reached 1 _% for the first time. The annual income of loan officers is about 5__ 0 yuan higher than that of ordinary employees, which can be said to be a win-win situation for both the collective and the individual.

Three, clear the credit responsibility of each link and post, to prevent the responsibility from hanging and unrealistic concentration.

For each loan, especially for large loans, the responsibility ratio of investigators, members of secondary decision-making bodies and post-loan managers should be clearly defined, which not only puts an end to the unrealistic practice of focusing the responsibility on investigators, but also prevents the formalism of collective collection, so as to truly ensure that the loan responsibility can be implemented and that all posts and personnel in all links can perform their duties and responsibilities.

Non-credit post personnel do not have business skills related to credit management and should not be responsible for loans.

Loans introduced, guaranteed or even undertaken by internal employees are treated equally with other loans, and are reviewed in strict accordance with regulations, and the responsibility for collection should also be borne by credit post personnel.

Fourth, strengthen the reasonable incentives for credit personnel and standardize their work processes.

Maintain a relatively stable team of credit officers, so that they have enough time to familiarize themselves with various situations, and provide smooth communication channels for credit officers to listen to their opinions and suggestions.

Five, control the working process of credit personnel.

The key point is to standardize and order the work flow of credit personnel, improve the various elements of loan contracts, make them legal and compliant, and put an end to eating, taking, card and demand in the process of credit. The training is targeted. In addition to teaching laws and regulations to loan officers, credit cooperatives also conduct special studies according to different situations. Through training, the working skills of credit officers, their understanding and recognition of the management regulations of rural credit cooperatives, and their loyalty and confidence in credit cooperatives have been effectively improved.

Classified incentives, survival of the fittest. The incentive for credit officers is not across the board, but based on the actual situation, corresponding incentive measures are formulated to create a competitive atmosphere of chasing after each other. Anyone who is not competent for credit work or can't complete the task will be removed from the credit post by the last elimination system.

Sixth, strictly invest in loans: lending is not excessive.

Credit personnel are required to take the accuracy of each loan as a criterion for credit work. Therefore, I will position my business direction as: based on agriculture, countryside and farmers, serving urban and rural areas, acting as a lever and achieving a win-win situation. First, focus on promoting micro-credit for farmers. Second, support rural economic restructuring.

Seven, strict implementation of the system.

In practical work, the system of pre-loan investigation and post-loan return visit is strictly implemented. Every quarter, I will spot-check the loan operation of the loan households and make records every time. Through the return visit after the loan, I know the loan situation of the whole society like the back of my hand, and recover the risky loan in advance in time.