Summary of personal work in legal work of commercial banks

Summary of personal work in legal work of commercial banks

In XX years, under the correct leadership of the new Party committees of municipal branches and sub-branches, Sub-branches conscientiously implement the spirit of working meetings of provincial and municipal branches, take accelerating effective development as the main line, and take? The deposit exceeds 1 billion, and the benefit exceeds 1 million? In order to achieve this goal, we improved the mechanism, strictly controlled risks and strengthened marketing. Through the unity and hard work of all employees of the Bank, the operating efficiency was further improved, and the tasks assigned by the superior bank were well completed, which promoted the sustained and steady development of all work of the Bank. I will summarize the work in XX

First, the main achievements in XX

First, deposits continued to maintain a strong growth trend, with remarkable results in increasing deposits and promoting efficiency. At the end of December, the balance of various deposits? Ten thousand yuan, a net increase over the beginning of the year? Ten thousand yuan, more than the same period last year? Ten thousand yuan, to complete the annual assessment plan of the city branch? %, with a net increase of ten days? 1, yuan, the total net increase and the average increase in ten days reached a record high. What is the annual deposit amount? Ten thousand yuan, average monthly? Ten thousand yuan, a year-on-year net increase? Ten thousand yuan, the current income of financial institutions? Ten thousand yuan, year-on-year increase? Ten thousand yuan, an increase of 7%, laid a solid foundation for the whole bank to turn losses into profits.

second, the structure of credit assets has been significantly improved, and credit supply has been further concentrated on excellent customers and gradually withdrawn? Wandering? Inferior customers effectively avoid business risks. At the end of December, the balance of various loans? Ten thousand yuan, compared with the net investment at the beginning of the year? Ten thousand yuan. Among them: private enterprises and individual loans? Ten thousand yuan, down from the beginning of the year? Ten thousand yuan; Corporate loans? Ten thousand yuan, an increase over the beginning of the year? Ten thousand yuan.

third, new businesses such as insurance agents are entering? Fast lane? Keep pace with traditional business. At the end of December, agency premium income? Ten thousand yuan, 15% of the plan issued by the municipal branch. Among them: life insurance agency premium? Ten thousand yuan, year-on-year increase? Ten thousand yuan; Agency property insurance? Ten thousand yuan, year-on-year increase? Ten thousand yuan; Realize the fee income? Ten thousand yuan, year-on-year increase? Ten thousand yuan, 113% of the plan issued by the municipal branch was completed. Cumulative consignment fund? 1, yuan, cumulative consignment of government bonds? Ten thousand yuan.

Fourth, complete the task of collecting non-performing assets on time. Non-performing assets? Double drop? Achieve phased results. At the end of December, the principal and interest of non-performing loans were collected? RMB 1,. Yuan, of which: interest on principal paid off? Ten thousand yuan, 1% of the annual task; Dispose of debt-paying assets? Ten thousand yuan, to complete the annual task? %; Security? Ten thousand yuan, complete the annual task? %。 Balance of non-performing assets at the end of the year? Ten thousand yuan, accounting for? %, non-performing loans present? Double drop? Trend, the balance of non-performing loans decreased net from the end of last year? Ten thousand yuan, the proportion of non-performing loans decreased compared with the end of last year? Percentage points.

Fifth, the intermediary business developed continuously and rapidly, and the financial contribution rate was further strengthened. At the end of December, the bank's intermediary business income? Ten thousand yuan, accounting for the total income? %, a year-on-year increase? Ten thousand yuan, improve? Percentage points.

Sixth, interest income continued to grow effectively. At the end of December, the whole bank received interest? 1, yuan, of which: corporate loans, private enterprises and individual loans receive interest? Ten thousand yuan, interest on non-performing loans? Ten thousand yuan.

Seventh, the comprehensive index of operating profit and loss was exceeded. At the end of December, the annual book loss? Ten thousand yuan, a year-on-year loss reduction? Ten thousand yuan, excluding the interest receivable from XX years ago? 1, yuan, loss from disposal of debt-paying assets? Ten thousand yuan, operating profit? Ten thousand yuan, over plan? Ten thousand yuan, year-on-year increase? Ten thousand yuan.

Eighth, the activities of creating spiritual civilization and striving for excellence have achieved good results, and a number of advanced collectives have emerged. The first quarter organized by the city branch? A good start? In the competition, our bank won the second prize of sub-branch and the second prize of branch for business articles. The sales department was awarded by the provincial branch? A civilized demonstration post for female workers? Honorary title; Branch life insurance premium marketing, premium income completion rate ranked first in the city; Organizing the financial system in the banking regulatory bureau? Knowledge of internal control system? Won the third place in the competition; Organize in the city branch? Knowledge popularization of financial products? Won the third place in the competition.

nine is? Safety is benefit? The awareness of internal control management was further strengthened, and the rate of all kinds of cases was zero throughout the year, which continued to maintain the good situation of CCB's safe operation of irresponsible accidents and cases for 52 years.

second, the main methods:

first, vigorously market the debt business, further enhance the financial strength, and achieve remarkable results by increasing deposits and promoting income. First, unify thoughts and act early. In XX years, based on the working idea of increasing deposits and increasing efficiency, the whole bank put? Welcome the Spring Festival? Quality and civilized service activities and the first season? A good start? Combine organically and stand out? Serve with your heart, and spring will reach thousands of families? As the theme, arrange early, seize the opportunity, strengthen publicity, and launch a marketing offensive in an all-round way to achieve? A good start? . In the first quarter, all deposits increased by RMB 1, yuan compared with the beginning of the year, laying the foundation for the annual deposit growth. The second is to grasp the key points and seize the market. Taking the agency pension fund as the breakthrough point, we should innovate the service means, improve the service quality, provide customers with humanized, caring and meticulous services, help customers manage their finances, maximize the benefits of customers, and achieve the goals of consolidating old customers, developing new customers and driving? Sneak? The effect of customers has effectively promoted the rapid growth of deposits. The annual financial capital flow reached? 1, yuan, absorbing pension deposits? More than ten thousand yuan. The third is to focus on the maintenance of key customers. Establish key customer files, gradually implement differentiated services and cultivate loyal customers. Implement the marketing work of street-marking package, implement? Carpet? Marketing, consolidating and developing our monopoly position in the regional financial system. The fourth is to focus on the big backbone institutions and monopolize them? Urban area,? Town and other important deposit markets. Highlight the brand advantage of ABC and realize the scale effect. XX years? Urban area,? Net increase in branch deposits? Ten thousand yuan, accounting for 84% of the bank's net increase. The fifth is to implement floating salary assessment and grading, encourage the advanced and spur the backward. According to the scale of business outlets and per capita deposits, wage bases of different grades are set, and at the same time, according to the net increase of per capita, wages are raised by one grade accordingly, and early enjoyment is achieved. Through incentive measures, guide employees from passive to active, from? Want me to do it? Become? I'm gonna do it? . The sixth is to highlight the image propaganda of ABC and seize the surrounding markets. By paying attention to quality service, carrying out street consultation and publicity, pulling banners and banners, and visiting customers to send Spring Festival couplets, the good social image of Agricultural Bank of China has been deeply rooted in the hearts of the people, forming a good social image. Town as the center, around? Waiting for the town is the service scope of the radiation circle. Realize income through increasing deposits throughout the year? Ten thousand yuan, an increase over the same period last year? Ten thousand yuan, an increase of 7%, made an important contribution to the bank's financial loss reduction.

second, moderately market the asset business and gradually withdraw? Wandering? Wait for inferior customers and seize the excellent customer market. Facing the policy of macro-control and total credit control, combined with the current situation of regional economic environment, we should first steadily develop the personal credit market, speed up structural adjustment, continue to support high-quality customers in the individual and private economy, and gradually withdraw? Wandering? Personal customers. At the end of XX, the loans for production and operation of private enterprises and individuals only? Ten thousand yuan, down from the beginning of the year? Ten thousand yuan, gradually eliminated a number of customers with small capital flow, poor operating efficiency and low credit. Second, we will continue to vigorously support and develop private enterprises with a certain scale by seeking the point of convergence between the requirements of credit management system and the needs of enterprise management and development. Such as the star enterprises in the management area? Co., Ltd. and sub-branches actively participate in rating credit in strict accordance with the requirements of the new credit rules, and actively apply to the municipal branch? Ten thousand yuan credit scale, and inject liquidity in the fourth quarter? Ten thousand yuan. By establishing a financial service project library for small and medium-sized enterprises, we can solve the dilemma that restricts the development of our credit business, and seek and achieve suitable? Carry out the actual road of asset business development. Third, strengthen the monitoring and management of overdue loans, establish early warning and collection, non-performing loan ledger and other systems, try out installment repayment methods according to the risk situation, prevent non-performing credit assets before they happen, strictly guard against the occurrence of non-performing loans, and ensure zero records of non-performing loans. The fourth is to strengthen post-loan management. Every time a loan is issued, it is necessary to implement post-loan tracking management by a special person, improve the quality of post-loan management, implement the person in charge of households, and establish a system of accountability.

third, strengthen the work of clearing and closing, adopt multiple methods simultaneously, and achieve phased results in clearing and closing. First, unify understanding and clear thinking. In view of the realization of the Bank's high proportion of non-performing assets, heavy tasks, small collection space, few personnel and particularly bad credit environment, the sub-branch regards the clearing and closing work as? Life engineering? To grasp, the establishment of the overall grasp by the top governor, in charge of the governor's specific grasp, the clearing and closing department specifically grasp, and other departments to assist in grasping the pattern. Second, under the pattern of vertical professional management of non-performing assets, auxiliary reward and punishment measures were introduced in a timely manner to pay close attention to the clearing work with the strength of the whole bank. Real-time monitoring of clearing and closing activities, regular notification, clear the principle, object and scope of clearing and closing rewards, set up a special prize for clearing and closing activities, and implement it for clearing personnel? Is there no guarantee for the bottom or the top? The reward method. Third, we will continue to implement the system of clearing and closing by the president, the system of taking charge of the president's responsibility, and the system of accountability and supervision for clearing and closing. For the agreement signed by the sub-branch, the undertaker shall do the follow-up work in time, implement regular accountability, report the results and supervise the implementation in place. Basically did it? Four orders and three guarantees? That is, the responsibility system of setting goals, time, measures, rewards and punishments, package implementation, package management and package collection has improved the work efficiency of clearing and closing on the whole. The fourth is to increase the disposal and management of debt-paying assets. This year, the sub-branch successfully disposed of five debt-paying assets. What is the amount of debt-paying assets disposed of? Ten thousand yuan, deal with the transaction amount? Ten thousand yuan, the asset disposal rate reached 1%. In the process of disposing of debt-paying assets, according to the requirements of maximizing income and minimizing losses, the whole process of disposing of debt-paying assets is operated in sunshine, and the transaction price is 6% higher than the approved disposal price, so that the loss of debt-paying assets is minimized. The fifth is to use the flexible scale of the live harvest policy. In practice, the Bank accurately grasps the policy principles, comprehensively applies various policies such as debt repayment with assets, off-balance sheet interest reduction and write-off of bad debts, gives full play to the positive role of policies, and drives the collection of principal and interest of non-performing loans as much as possible. If so? 、? In the factory's collection of non-performing loans, the collection staff of our bank carried forward? Insist that Qingshan will not relax? Perseverance, arguing for the enterprise, visiting many times, communicating with many parties, and using sufficient policies, finally recovered? Loan principal and interest? Ten thousand yuan? Factory loan principal? Ten thousand yuan. The sixth is to further strengthen the management of risk assets and the protection of rights. The borrower is required to sign and seal the notice of overdue loans issued by the enterprise in time, so that the limitation of action can be extended. For the borrower who refuses to sign, a third person is invited to testify on the spot to form a written record, and a notary will issue a certificate through the participation of a notary public to ensure the legality of the limitation and the safety of credit assets. Collect the principal and interest throughout the year? Ten thousand yuan, the disposal of debt-paying assets? Ten thousand yuan, the total amount of non-performing assets decreased? 1, yuan, the proportion decreased? Percentage points.

fourth, vigorously develop intermediary business and gradually increase the financial contribution rate of intermediary business income. Bank-wide intermediary business income? Ten thousand yuan, year-on-year increase? Ten thousand yuan, accounting for the total income? %, improve? Percentage point, which contributed to that achievement of financial target, and intermediary business has become one of the effective ways to reduce losses and increase efficiency. First, accelerate the development of insurance agency business. Take the insurance agency business as the main business product, implement systematic marketing, and focus on the development of insurance resources for counter insurance agents, mortgage property legal persons and personal loan customers. The second is to carry out it seriously? Six in place? Work. Namely? Do a good job of understanding, personnel, tasks, incentives, staff training and special publicity? . The third is to establish and improve the assessment and incentive mechanism of insurance agency business. That is, according to the insurance income of 1: 1, it is regarded as deposit assessment; The fee income will be cashed to individuals in strict proportion; Increase the marketing expenses for the agent property insurance part of the outbound exhibition industry by 2%. The fourth is to strengthen the marketing of bank cards and maintain the good development momentum of bank cards. Work closely around three key points: marketing, comprehensive charging and specialized operation, and strive to promote the transformation of card business from quantity expansion to quality and efficiency. Bank card business income has increased rapidly, and the annual fee income? Ten thousand yuan, year-on-year increase? Ten thousand yuan.

third, safeguard measures

first, strengthen the basic accounting management and do a solid job? Year of implementation of internal control system? Activities. What year is XX? Year of system implementation? . First, focus on the basic management of financial accounting and earnestly implement the basic management construction project. On the premise of unifying

1, standardizing the system and operation process, and improving the post restriction mechanism, we should focus on the implementation of the system and severely investigate and deal with illegal operations. Do a good job in risk control and prevention of key departments, key links and key positions. Combined with the problems found in internal and external inspections in recent years, the rectification of weak links should be done in a targeted manner. Attach great importance to the system constraints under the existing network technology conditions and in the process of business innovation, adhere to the principle of system first, strengthen the construction of computer security system and related emerging business systems, and strive to control operational risks. Second, the accounting supervisor of the sub-branch shall check the accounting quality of each branch once a month, with records, notifications, measures, rewards and punishments. The inspection surface reaches 1%, and a regulatory notice is issued? Period. The third is to enhance the self-discipline supervision consciousness of the class teachers and front-line operators in all outlets, move forward the focus of supervision, strengthen the responsibility constraint, and continuously improve the management level. Combine routine inspection with special inspection, strengthen the monitoring of key projects and important links such as financial revenue and expenditure, payment settlement, current accounts, cash on hand, and effectively avoid accounting risks.

2. Deeply implement the new credit rules, strengthen post-lending management, and resolutely control the risks of new credit assets. Standardized management is always the basis and premise of accelerating development. Especially based on the historical background of poor quality of credit assets and the urgent requirement of restructuring and listing of Agricultural Bank of China, asset business expansion must be more risk-proof. The new credit rules are programmatic documents of credit management and must be implemented to the letter. First, strict credit access management. Credit access management must adhere to unified standards and unified caliber, and it is strictly forbidden to reduce customer access conditions, so as to ensure the effective allocation of credit resources. The second is to strictly authorize the management system, standardize the operation process, and strictly implement the systems of separation of examination and loan and parallel restriction. Do not operate credit business beyond procedures and reverse procedures. Strengthen the customer department and account manager's sense of dedication and due diligence, and strictly control the access conditions. Fully and truly reflect customer information, improve professional ability, and resolutely avoid subjectivity and arbitrariness. Tailor-made? Type habit. The credit department should strictly review the credit, take all credit requirements as the only standard to measure the customer's involvement, check the policy, earnestly perform the review duties, limit the speed of completion, standardize and refine the operation procedures of the loan review meeting, and strive to improve the efficiency of loan review. The third is to strengthen the management of loan recovery at maturity. We have established a phased recovery mechanism for loan term management, strictly controlled the extension of loans, borrowed new loans and repaid old ones, and standardized the behavior of recovery and re-lending. The fourth is to strengthen post-loan responsibility management. XX is a crucial year for the implementation of post-loan management project. We have fundamentally solved the problems of irregular operation and decision-making process and non-implementation of post-loan management responsibility by establishing risk early warning and handling mechanism, standardizing and implementing the system of regular contact and coordination between account managers, the system of regular risk analysis and early warning of risk managers and the system of regular reporting of post-loan management.

3. Strengthen the construction of internal control system and improve the case prevention system. First, firmly establish? Safety is benefit? Awareness, to prevent and punish cases as the focus, in-depth development of rules and regulations education and warning education.