Bank work summary sample 5000 words

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Since the beginning of the year, our bank has insisted on focusing on business operations and supporting the development of farmers and rural small and medium-sized enterprises. It has continuously improved various rules and regulations and strengthened internal In operation and management, we pay close attention to the implementation of rules and regulations, strive to prevent and resolve financial risks from the source, and ensure the healthy, stable and safe operation of various business activities. We have achieved significant internal and social benefits, and have laid a solid foundation for building Zhuanghe into a northern city. The modern ecological central city in the Yellow Sea region has made positive contributions.

1. Basic situation

(1) Loan situation

As of the end of March this year, the balance of various loans of our bank was 553.69 million yuan, which was higher than that at the beginning of the year. An increase of 361.29 million yuan, an increase of 187.78 yuan. Among them: loans to farmers were 305.72 million yuan, accounting for 55.22%. Short-term guaranteed loans for rural industry and commerce were 146.89 million yuan, accounting for 26.53%. Short-term mortgage and pledge loans for rural industry and commerce were 80.58 million yuan, accounting for 14.55%. Rural medium and long-term guaranteed loans are 5 million yuan, accounting for 0.90. Rural medium and long-term mortgage loans were 15.5 million yuan, accounting for 2.80.

From January to March, a total of 635.73 million yuan in loans were issued, and a total of 274.44 million yuan in loans were recovered. The loan recovery rate at maturity is 100. Loan interest income of 28.87 million yuan was recovered, and the loan interest rate was 100.

(2) Deposit situation

At the end of March, the balance of various deposits was 509.23 million yuan, an increase of 246.04 million yuan or 93.48 yuan from the beginning of the year. Among them, the balance of savings deposits was 234.76 million yuan, an increase of 110.98 million yuan or 47.27 yuan from the beginning of the year. The balance of corporate deposits was 261.3 million yuan, an increase of 121.89 million yuan or 87.43 yuan from the beginning of the year. Notice deposits were RMB 13.17 million, an increase of RMB 100 from the beginning of the year.

(3) Financial situation

At the end of March, our bank achieved various business income of 29.81 million yuan, including: loan interest income of 28.87 million yuan, financial institution transactions Interest income is 940,000 yuan. Various business expenses were 21.69 million yuan, the total pre-tax profit was 10.83 million yuan, and the after-tax net profit was 8.12 million yuan.

(4) Regulatory indicators

First, the status of assets and liabilities. First, the total assets are 699.74 million yuan, including: current assets of 623.42 million yuan (cash and bank deposits of 5.54 million yuan, deposits with the central bank of 67.35 million yuan, deposits with banks of 23.4 million yuan, short-term loans 527.03 million yuan, other receivables 120,000 yuan); long-term assets 75.08 million yuan (including: medium and long-term loans 26.63 million yuan, long-term investments 30 million yuan, and projects under construction 22.17 million yuan , net fixed assets value 1.79 million yuan, loan bad debt provision 5.54 million yuan (less item)); deferred assets 1.24 million yuan. Second, the total liabilities and owners' equity are 699.74 million yuan, including: current liabilities 577.78 million yuan (short-term corporate deposits 261.31 million yuan, short-term savings deposits 245.57 million yuan, and interbank deposits 6,000 yuan). 10,000 yuan, remittances payable 20,000 yuan, accounts payable 1.65 million yuan, other payables 7.54 million yuan, taxes payable 1.7 million yuan); long-term liabilities 2.36 million yuan (mainly 2.36 million yuan in fixed-term savings deposits of more than three years) Yuan). Third, the total owner's equity is 119.61 million yuan, including: equity capital 110 million yuan; surplus reserve 820,000 yuan, general reserves 600,000 yuan, undistributed profits 8.19 million yuan; pre-tax profit this year 1 , 0.83 million yuan.

Second, capital composition. First, the owner’s equity is 119.61 million yuan. Among them: paid-in capital of 110 million yuan, surplus reserve of 820,000 yuan, general reserves of 600,000 yuan, and undistributed profits of 8.19 million yuan. Second, the weighted risk assets on the balance sheet are 578.14 million yuan. Third, the capital adequacy ratio is 21.64 ≥ 8 industry regulatory standards.

Fourth, the core capital adequacy ratio is 20.69 ≥4 industry regulatory standards.

Third, credit risk situation 1 is that the non-performing loan ratio and non-performing asset ratio are both zero. Second, the provision for loan bad debts at the end of March was 5.54 million yuan. The loan loss reserve adequacy ratio, asset loss reserve adequacy ratio, and provision coverage ratio are all ≥100, which are controlled within the standards specified by industry regulations.

Fourth, liquidity risk situation. One is the liquidity ratio of 107.90 (current assets/current liabilities). The second is 67.35 million yuan in deposits with the central bank, including: 58.56 million yuan in deposit reserves (implementing a deposit reserve ratio of 11.5), 8.79 million yuan in deposit reserves, and a deposit reserve ratio of 13.23. Third, the loan-to-deposit ratio (excluding capital) is 108.73, and the loan-to-deposit ratio including capital is 89.42.

Fifth, profitability. First, the asset profit rate is 1.54 ≥0.6 industry regulatory standards. Second, the capital profit rate is 9.85, which is not less than the industry standard of 11. Due to the short establishment time of our bank, small loan scale, and low loan interest income, the capital profit rate is lower than the level of the same industry. Third, the profit cost rate is 49.93 ≥ 45 industry regulatory standards

2. Main work measures

(1) Actively extend loans and fully support the economic development of "agriculture, rural areas and farmers".

Our bank insists on serving "agriculture, rural areas and farmers" as its own responsibility, adheres to the business direction of serving agriculture, rural areas and farmers, serving small and medium-sized enterprises, and serving people's entrepreneurship, and provides agriculture, farmers and farmers with efficient, fast and convenient service methods. More than 500 million in credit funds have been injected into the development of rural economic organizations, making positive contributions to promoting regional economic development.

First, adhere to the principle of benefit-centered and service-oriented, rural areas and farmers, and make every effort to do a good job in loan disbursement. Since the beginning of the year, on the basis of establishing business goals and operating policies, our bank has organized the credit department to conscientiously do a good job in loan marketing to ensure the completion of credit operation targets. Main approaches: First, give full play to our bank's short loan approval time, flexible loan methods, and convenient service methods to continuously expand our bank's influence in society and create a good environment. The second is to focus on its own advantages in business development, focusing on key profitable businesses, focusing on issuing corporate loans and self-employed loans; on the basis of safe and stable business, issuing real estate mortgage loans; on serving agriculture, rural areas and farmers, actively exploring agriculture Loans for production projects; opening up new areas of credit business and issuing automobile consumption loans. The third is to strengthen active cooperation with guarantee companies and expand business areas. Our bank has been established for a short period of time and lacks customer accumulation and customer awareness of our bank. Through the intermediary role of the guarantee company, the development of our bank's credit business has been promoted. From January to March, a total of 635.73 million yuan in loans were issued, and a total of 274.44 million yuan in loans were recovered. The loan recovery rate at maturity is 100. Loan interest income of 28.87 million yuan was recovered, and the loan interest rate was 100, exceeding the planned targets.

Second, efforts should be made to prevent and resolve credit risks and ensure the safety of credit assets. Rapidly promoting the development of credit business is an important task for us. Ensuring the safe operation of credit assets is a prerequisite and the cornerstone of our bank's survival. To this end, we strictly abide by credit management regulations from loan acceptance to loan issuance, and issue loans in accordance with credit business operating procedures. Conduct on-site investigations on credit business, insist on two-person investigation, and for loan projects exceeding one million, the bank's main leaders will personally visit the front line to make good loan options and asset evaluations. Our bank will not accept loans guaranteed by guarantee companies if there are unsafe factors in production and operation, effectively ensuring the quality of credit assets and achieving a maturity loan recovery rate and interest rate of 100%.

Third, adhere to our bank’s market positioning and business direction, and actively support the development of the rural economy. Our bank issued loans of 635.73 million yuan from January to March, all of which were used to support local economic development needs, playing a good role in business operations and farmer financing. Agricultural-related loans have been rapidly promoted to rural towns and villages. Despite the small number of institutional outlets and insufficient credit personnel, various difficulties have been overcome and the business has developed to more than 20 towns and streets in our city, covering 77 towns and villages.

The business scope involves agricultural breeding, forestry, facility agriculture, tourism agriculture, aquaculture, manufacturing, commercial services and other fields. Continuously innovate service methods, constantly improve mortgage guarantee methods, and adopt methods such as mortgaged revolving loans, guarantee company guarantees, enterprise joint guarantees, machinery and equipment mortgages, and rights mortgages to enable different industries to receive credit support. Support the development of farmers with flexible and convenient small loans, actively support leading agricultural industrialization enterprises to become stronger and bigger, and achieve a win-win situation for banks and enterprises.

(2) Mobilize all factors and vigorously organize deposits.

In order to better support regional economic development, continuously strengthen our bank's operating strength, and fully achieve three-year operating goals, we have always adhered to the business philosophy of "deposits establish the bank, and loans develop the bank", so that the deposit business continues to increase.

Conduct a deposit competition. At the beginning of the new year, our bank formulated the "Zhuanghe Huitong Rural Bank 2011 Annual Deposit Assessment Measures" and the savings deposit section competition at the end of March 2011. The competition set off a new upsurge in organizing deposit work, creating a new situation in which everyone has a heavy burden and targets on their shoulders, and achieved remarkable results. At the end of March, the balance of various deposits was 509.23 million yuan, an increase of 246.04 million yuan from the beginning of the year and an increase of 62.18 yuan from the beginning of the year.

2. Improve quality service levels and increase efforts to tackle key problems. First, educate employees in various ways to attract customers through professional service quality. Second, the main leaders and professional departments took the lead in setting an example and introduced low-cost funds from outside Zhuanghe with a cumulative amount of nearly more than 100 million yuan. The increase in public deposits not only reduces operating capital costs, but also strengthens our bank's credit capital strength.

3. Launched notice deposit business and achieved zero breakthrough in intermediary business.

First, in the deposit work, while doing a good job in traditional business, our bank took market demand as the guide and aimed to develop resources, carefully studied and formulated the "Zhuanghe Huitong Rural Bank RMB Notice Deposit" Management Measures", and on March 20, the seven-day notice deposit business was launched. By March 30, the balance of notice deposits had reached 13.17 million yuan. Second, we actively promoted the intermediary business with collection and payment as the main content, established a good cooperative relationship with Zhuanghe Water Company, and started handling water fee collection business in April.

By increasing business varieties and innovating service functions, it not only effectively expanded the reach of our bank’s business, tapped new deposit resources, brought new profit growth points, but also created good social The effect has been well received by all walks of life.

(3) Strengthen basic accounting work and improve accounting quality

First, carefully calculate the financial revenue and expenditure status and prepare a financial plan for 2011 financial revenue and expenditure. The second is to strengthen accounting guidance and improve accounting standards. In the accounting counseling work, based on the actual shortage of counselors, we adopt the methods of centralized counseling, on-site counseling, and individual communication. Through accounting coaching work, we have supervised and standardized accounting and financial settlement operating procedures, prevented operational risks, and played a positive role in ensuring the normal operation of accounting. Third, the bank's fixed assets and low-value consumables were verified and registered, and the ledger of fixed assets and low-value consumables was improved. The fourth is to improve the operation of the core system to make it suitable for the business characteristics of our bank. In order to gradually adapt the currently applied core system to the needs of our bank's business development, our bank communicated with the Technology Department of Bank of Dalian many times from January to March and put forward more than 10 special business improvement suggestions, which received strong support from the Technology Department of Bank of Dalian. , have been implemented item by item. The fifth is to open a large and small payment system to solve the problem of unsmooth settlement. Since March 2011, in order to solve the problem of unsmooth settlement, our bank has regarded the launch of the large and small payment system as an important task. After hard work, the Head Office of the People's Bank of China approved our bank to join the payment system indirectly. The dedicated line with Industrial Bank was connected on March 26 this year. After our bank and Industrial Bank Dalian Branch conducted system technology tests, the large and small amount payment system was officially launched on March 10.

The smooth opening of the large and small payment system not only solved the problem of poor settlement among national joint banks since the establishment of our bank, but also enhanced our bank's reputation in the financial system and all walks of life. At the same time, it played a very important role in accelerating capital turnover. .

(4) Pay close attention to the implementation of rules and regulations and promote the standardization of all work

While continuing to improve rules and regulations, our bank pays close attention to the implementation of rules and regulations , do a good job in standardized management, so that all work has rules and regulations to follow, and standardization is gradually realized. On the basis of the original 84 rules and regulations, our bank has added relevant rules and regulations based on the requirements of superior departments and the actual situation of the bank, mainly including: First, in accordance with the requirements of the Banking Regulatory Bureau, comprehensive revisions in accordance with the provisions of the new loan regulations Established loan management measures. On March 13, the "Basic Operation Procedures for Personal Credit Business of Zhuanghe Huitong Rural Bank (Trial)", "Basic Operation Procedures for Zhuanghe Huitong Rural Bank's Corporate Customer Credit Business (Trial)", and "Zhuanghe Huitong Rural Bank's Fixed Asset Loan There are five credit management measures: "Management Implementation Rules (Trial)", "Zhuanghe Huitong Rural Bank Project Financing Business Management Implementation Rules (Trial)", and "Zhuanghe Huitong Rural Bank Personal Loan Management Implementation Rules (Trial)". Second, in order to standardize the professional ethics of employees in our bank, improve the professional ethics and professional quality of employees, and maintain the credibility of the banking industry, we have formulated the "Code of Professional Conduct for Employees of Zhuanghe Huitong Rural Banks", which specifically stipulates what general employees should abide by. Article 9 of professional ethics and Article 5 of professional ethics that directors, supervisors and senior managers should also abide by. Third, in order to further improve the execution of our bank’s internal control and case prevention systems, solidly promote the effective implementation of case prevention work, and promote the safe and stable operation of various business activities, the Zhuanghe Huitong Rural Bank has formulated the annual activities for the implementation of internal control and case prevention systems Implementation Plan".

(5) Do a good job in employee training and quickly improve the quality of employees.

In order to adapt to the needs of our bank's business operation and development, quickly improve the comprehensive quality of employees, better cope with the challenges of the market economy, and create a high-quality and professional workforce, three new sessions have been held. Intensive employee training courses. Through intensive training, new employees can basically understand and master knowledge related to financial laws and regulations, business knowledge, business skills and other aspects. Make the training truly effective, achieve the expected purpose, and achieve the expected results.

(6) Do a good job in case prevention and control to prevent and resolve financial risks.

1. Carry out case risk investigation to ensure that business operations are compliant and legal. According to the requirements of Dalian Banking Regulatory Bureau, at the end of March, our bank organized relevant personnel to seriously carry out case risk investigation work. During the investigation, the accounting and financial services from January to March were inspected. ***The total number of inspection transactions was 14,356, with an amount of 400.25 million yuan. Among them: 11,254 checks, amounting to 90.37 million yuan; 2,145 large deposits, amounting to 184.62 million yuan; 312 bank-enterprise reconciliations, amounting to 181.97 million yuan.

Judging from the results of the investigation, no violations of rules, regulations, disciplines, or laws were found. Through the work of investigating case risks, the political, professional quality, moral quality and consciousness of the employees to abide by the law and prevent cases have been further improved.

2. Further improve the case prevention and control implementation plan. According to the requirements of the Dalian Banking Regulatory Bureau and combined with the actual situation of the Bank, the "Implementation Plan for the Annual Activities of Zhuanghe Huitong Rural Bank's Internal Control and Case Prevention System Implementation" was formulated to clarify the purpose and significance, guiding ideology, work objectives, and basic activities of the activities. Principles, timing and promotion methods. Through carrying out activities, we will effectively solve some problems in case prevention work such as untimely policy transmission, insufficient understanding, unspecific implementation measures, gradual decline in execution power, passive or coping execution, failure to follow rules, illegal operations, We will further improve the execution of internal control and case prevention systems, solidly promote the effective implementation of case prevention work in the banking industry, and promote the safe and sound operation of the banking industry.

(7) Strengthen secretarial management and improve secretarial management levels.

Strengthen the standardization of secretarial work in accordance with six systems involving secretarial work, including the "Measures for the Handling of Official Documents of Zhuanghe Huitong Rural Bank" and the "Interim Measures for the Arrangement of Documents and Files of Zhuanghe Huitong Rural Bank". According to statistics, from January to March, *** received 270 documents, all of which were signed, registered, and urged according to prescribed procedures. From January to March, 103 documents were issued, and they were handled in strict accordance with the prescribed procedures. In the process of processing official documents, we adhere to the principles of seeking truth from facts, simplicity, and efficiency, and strive to be timely, accurate, standardized, and safe.

(8) Increase publicity and establish a new image of society.

In view of the fact that our bank was established late, has a small scale, a narrow radius of radiation, and low social visibility, since the beginning of the year, our bank has continued to hang banners, post slogans, pay New Year greetings on TV, radio advertisements, and dispatch publicity vehicles and other forms of publicity, and vigorously carried out the theme publicity of "Zhuanghe Huitong Rural Bank is a bank for urban and rural people and a bank for small and medium-sized enterprises", comprehensively publicizing our bank's business operations and further improving our bank's visibility. Improvement has attracted great attention from relevant departments and all walks of life.

(9) Do a good job in logistics services to ensure the smooth progress of the work of the whole bank.

First, strengthen the management of fixed assets and low-value consumables. Carry out timely maintenance and storage of fixed assets to maintain normal operation at all times. The second is to standardize the purchase, storage and receipt procedures of office supplies to ensure the normal operation of business operations. The third is to do a good job in the cultural and leisure life of employees. From January to March, employees were organized to carry out extracurricular activities: participating in the hiking meeting organized by the Zhuanghe City Federation of Trade Unions; holding a "Lecture in Commemoration of the May 4th Youth Day I Love Huitong Rural Bank", going to Buyun Mountain for a bonfire party, and going to Tianmen Mountain Autumn outings and other activities. Through these activities, the cohesion of employees has been further enhanced, their sentiments have been cultivated, and their spare time life has been enriched and colorful.

Existing deficiencies:

(1) The total amount of deposits has grown steadily, but individual increases and decreases are unbalanced. First, there is a large difference in the deposit plans completed by employees, and the increase and decrease are unbalanced. Second, the business types are single and there is a lack of comprehensive financial products.

(2) Credit management is not strict enough and the credit structure is not reasonable. First, there is insufficient learning and mastery of credit policies. Some loans exceeded the regulatory requirements of the Banking Regulatory Bureau, loans to affiliated enterprises exceeded the upper limit, and mortgage loans were issued in excess of proportion. Second, the restriction mechanism for separating loan review positions is imperfect. Third, the "three checks" system for loans is not implemented in place, and there is a phenomenon of heavy lending and neglect of lending. Fourth, the credit reporting system has not yet been opened, making it difficult to investigate personal and corporate credit.

(3) Accounting and financial management are not standardized enough, and the internal control system is not fully implemented. First, due to the lag in system formulation, insufficient personnel, and unclear division of job responsibilities, accounting and financial work responsibilities are not clear enough, operations are not standardized enough, mutual constraints are not effective, and there are certain operational risks. Second, the professional knowledge level of accounting personnel is not high, and errors and accidents occur from time to time.

(4) The political quality and professional quality of the workforce are not high enough, and there is a big gap compared with employees of other commercial banks. Whether it is ideological awareness, professional ethics, dedication to work, civilized service, work efficiency, etc., there are unsatisfactory performances, which must attract our great attention.

3. Opinions on work in the fourth quarter

1. Increase efforts in deposit work. First, in order to better support regional economic development and continuously strengthen our bank's operating strength, and in order to fully achieve the three-year operating goals, we must continue to increase our efforts in organizing deposits and ensure the completion of the annual deposit targets. The second is to actively strive for market access and increase market share. It is necessary to win the support of the Banking Regulatory Bureau through work, and strive to establish another business outlet by the end of October to expand business coverage. The third is to improve the level of high-quality services and increase efforts to tackle key problems. We will continue to expand our business areas through high-quality services and increased efforts to tackle key problems. The main leaders and professional departments should take the lead in setting an example, vigorously absorb low-cost funds, gradually increase the proportion of public deposits, reduce the cost of operating funds, and continuously strengthen the strength of credit funds.

2. Strengthen credit management and prevent credit risks.

First, in terms of loan conditions, loans granted to individual industrial and commercial households and small and medium-sized enterprises will in principle be guaranteed and mortgaged to ensure the safety of credit funds. Stop providing guarantee business with guarantee companies that have exceeded their guarantee capacity. Second, we adhere to the principle of simplicity and speed when it comes to loan issuance, and we must give a response to each loan within the specified time whether it is a loan or not. Third, in terms of loan supervision, we must adhere to the post-loan inspection system and take remedial measures as soon as possible for possible financial risks. Account managers must write post-loan inspection reports on time. The fourth is to explore and establish the first responsible person system for loans. The responsibilities of account managers and loan review committees must be strictly defined, and the first person responsible for loan losses must be held accountable.

3. Improve accounting standards and build an accounting supervision mechanism. Strictly implement the basic accounting, cashier, and financial management systems to ensure that accounting work is compliant and legal. First, we must adhere to accounting procedures, strengthen internal control management, and strictly prevent settlement risks. Adhere to the replacement review system for all accounts, do a good job in checking internal and external accounts, check the accounts of central bank deposits and inter-bank deposits on a daily basis, check the amounts incurred one by one, and resolve unaccounted accounts in a timely manner to achieve Internal and external accounts are consistent. The second is to establish and improve the accounting supervision system. It is necessary to establish a clear line of supervision and defense, truly implement pre-event, in-process and post-event supervision, strictly implement supervision responsibilities at all levels, and implement a chain accountability system. It is necessary to effectively improve the overall quality of accounting personnel. Establish an assessment and selection mechanism for accounting personnel, and strictly control the selection and employment of personnel.

4. Increase revenue and reduce expenditure, reduce expenses and improve profitability. Carrying out activities to increase revenue and reduce expenditure is a major measure to further strengthen internal management and ensure the realization of various operating indicators this year. Judging from the financial revenue and expenditure results of our bank in March, the capital cost rate and deposit expense rate are all at a relatively high level compared with the same industry. Therefore, first, we must establish the idea of ????diligence and thrift in building a bank, pay attention to cost accounting, and strive to be careful and careful. Second, we must expand the scale of credit, cultivate sources of interest, increase business income, and improve profit levels. Third, we must carry out activities to increase revenue and reduce expenditure. Reduce utility costs and reduce telephone costs. Expenditure expenditures must ensure wages and keep the door open, and extravagance and waste must be prohibited. The fourth is to implement a monthly interest collection system to ensure that all loan interest receivables are collected and no interest arrears are allowed to occur.

5. Strengthen safety and security work to prevent various cases from occurring. The overall requirements for our bank's safety and security work this year: adhere to the policy of treating both symptoms and root causes, comprehensive management, both punishment and prevention, and focusing on prevention, to provide a strong guarantee for the steady development of our bank. The first is to carry out case risk investigation work. Carry out case risk investigation work to avoid various safety production accidents. Carry out investigations into employees’ bad behaviors. Find out the ideological status of employees, promptly discover, correct and deal with emerging and tendentious problems in a timely manner. The second is to do a good job in safety and security. It is necessary to implement the safety and security responsibility system. It is necessary to implement safety and security work into departments, positions and individuals to form a situation in which all employees participate, everyone takes their own responsibilities, and risks are fully borne, so as to ensure that all the work of our bank operates on a healthy track.

6. Strengthen training on two qualities of employees. First, managers are responsible for organizing departments to learn political and business knowledge. Further improve the political and professional quality of all employees through learning. The second is to concentrate time and energy on learning the various rules and regulations of our bank. The third is to provide intensive training for new employees in the industry, quickly improve the comprehensive quality of new employees, and adapt to the needs of the work as soon as possible.