Three sample essays on summary of bank credit self-examination report

Three sample essays summarizing bank credit self-examination reports

Time flies, and the sun and the moon fly by. Looking back on the past year, it is a year of innovation and diligence. , it is also a harvest year. So how to write a summary of a bank credit self-examination report? Here is a sample summary of a bank credit self-examination report that I brought to you. I hope you like it!

Summary of a bank credit self-examination report

Work Summary Over the past year, under the correct leadership and care of the head office and branch leaders, and with the enthusiastic help and care of all colleagues, I have gained a lot and have a lot of feelings. The brief report is as follows:

1. Strengthen theoretical study and consciously practice the Scientific Outlook on Development

Strengthening theoretical study is a beacon to ensure that credit management work moves in the right direction. It is the fundamental guarantee to improve work efficiency and achieve work goals. At work, I always pay attention to new trends in theoretical development and use advanced theories to guide specific work. At the seminar on studying and practicing the Scientific Outlook on Development at the head office, we carefully prepared, summarized and exchanged our experiences and gained recognition from the leadership. Combined with the credit legislation work, strengthen research and in-depth practice and implement the scientific concept of development in the research. The party committee of the agency recommended the "Research Report on Credit Report Legislation" written and submitted by me to the Central State Working Committee as a research report on the People's Bank of China's study and practice of the scientific outlook on development and creating a new situation in credit management.

2. Actively participate in the formulation of the "Credit Information Management Regulations", which have been adopted in principle at the special discussion of the President's Office Meeting

Actively promote the introduction of the "Credit Information Management Regulations", which has been a key issue in recent years One of the key tasks of the Credit Information Bureau of the Head Office. After exploration and accumulation in the past few years, the conditions for credit reporting legislation are becoming more and more mature. According to the "Work Arrangements for Special Work on the Legal Construction of the Social Credit System" reported to __ by the __ Legal Affairs Office in January __, the Head Office reported the "Credit Information Management Regulations (Draft for Review)" to the __ Legal Affairs Office during the year. The leaders of the head office are strategizing, making decisive decisions, working together from top to bottom, and working hard. The legislative work of the "Regulations" is steadily accelerating and significant progress has been made.

I participated in the entire formulation of the Regulations. He has participated in the investigation of local credit legislation, credit service market and social credit system construction, and directly wrote or participated in the writing of relevant research reports; he has repeatedly conducted research on the concept and connotation of credit reporting, industry development models, business types, and business management methods. , licensing conditions and other issues were discussed in a more systematic and in-depth manner; according to the adjustment of the People's Bank of China's credit management responsibilities under the __ new three-determination plan, the "Credit Management Regulations (draft)" submitted to __ in __ 》 and several draft regulations formed in recent years; participated in many seminars and internal draft revision meetings on credit legislation organized by the Credit Bureau, the Articles and Laws Department, and the __Legal Affairs Office; actively listened to and Learned the opinions and suggestions from relevant experts and scholars on many important issues in the formulation of the Regulations, such as the concept and boundaries of credit reporting, the starting point of credit reporting management, issues that need to be solved urgently in credit reporting legislation, and the means and methods of credit reporting management; The spirit of the relevant instructions of the head office leaders was more accurately understood and implemented, and the opinions put forward were better adopted and absorbed by the "Regulations". On December 5, the "Credit Information Management Regulations" were discussed and adopted in principle at the president's office meeting.

Third, according to the needs of legislative work, focus on special research on relevant key credit reporting legal systems

First, a survey of local credit legislation was carried out. In order to clarify the relationship between the construction of the credit reporting system and the construction of the local credit system, he participated in the completion of the research report "Analysis and Evaluation of Local Credit Reporting Legislation"; secondly, he conducted an exploratory study on the development model of my country's credit reporting industry.

Wrote "On my country's Credit Information Development Model? From the Perspective of the Public Attributes of Credit Information Products", which was well received by the bureau leaders; thirdly, in order to understand the market positioning, operating conditions and development problems of various credit information agencies Issues, researched and designed institutional measures to promote the development of the credit reporting service market, completed the "Report on the Development of my country's Credit Reporting Market", signed and reported it to Vice President Suning, and sent it to the Department of Treaty and Law and the Department of Human Resources for review; fourth, through the International Finance Corporation Understand the practices of international data cross-border flow and protection issues, organize key export enterprises and relevant commercial banks to hold symposiums, conduct research on the necessity and possibility of cross-border flow of credit data, and combine the processing of credit data in the United States and the European Union With experience in cross-border flows, the "Comparative Study on Cross-border Data Flows in Europe and the United States" was completed. Two results, "Report on the Development of my country's Credit Information Market" and "Comparative Study on the Cross-Border Flow of European and American Data", have been selected into the "Special Research Report on Credit Information Management" and "The Credit Information Industry in the World Map" to be published by the Credit Information Administration Bureau. "A Comparative Study on the Legal Systems of Credit Reporting in Fifteen Countries and Regions". Currently, the two manuscripts have been submitted to the Financial Press for review; the fifth is to draw on the experience of foreign credit reporting legislation, pick stones from other mountains to attack jade, and lead everywhere Under the direct guidance and cordial care of the company, a foreign credit reporting theory and practice research group was established, and the "Research and Enlightenment of the U.S. Equal Credit Opportunity Act" was completed, which was adopted by the "Reference Document". 4. Actively pay attention to new problems and new situations that arise in the operation of the credit reporting system, and make suggestions for improvement according to the leadership’s instructions

Since ____, according to the instructions of the bureau and division leaders, I have paid close attention to the credit reporting system and new issues and situations emerging in the management of the credit reporting market, we conducted investigations and studies on commercial banks’ compliant use of credit information, acceptance and handling of personal objections, credit reporting litigation and other issues; we closely tracked relevant litigation cases and reported them to relevant branches. The branch put forward constructive suggestions for properly handling litigation cases; actively and friendly communicated directly with the parties, publicized relevant policies, resolved disputes, and properly handled letters and complaints from citizens; "Objection Handling Process and Request for Instructions to Solve Problems", and put forward opinions and suggestions for signing and reporting to President Su; in order to establish as soon as possible the objection handling and complaint procedures involving the credit reporting management departments of the branches and branches of the People's Bank of China, the credit reporting center and commercial banks. , litigation status reporting system, the "Notice of the People's Bank of China on Establishing a System for Handling Personal Credit Objections, Complaints and Litigation Case Reporting" has been signed and will be issued by the Bank in the near future.

5. Other tasks

First, daily official document handling. This year, dozens of official documents such as closing and signing documents, countersigning documents, requests for instructions, notices, and letters from citizens were processed with high quality, improving the level of official document processing; secondly, we carefully handled the issues related to credit management proposed by members of the National People's Congress and the Chinese People's Political Consultative Conference. Work-related bills, proposals and suggestions; third, start studying the interpretation of the "Regulations" and the construction of related supporting systems after the promulgation. For example, the "Interim Measures for the Management of Credit Reporting Agencies" are formulated to clarify access and supervision measures for different types of credit reporting agencies and improve the market exit mechanism. Another example is to formulate a series of credit reporting agencies in accordance with the principles of classified supervision of credit reporting and learn from international experience. Business operation specifications and guidelines regulate the business behavior of credit reporting agencies. Another example is formulating procedures for handling objections to credit reporting activities, clarifying the procedures for handling credit reporting complaints and reports, and effectively protecting the legitimate rights and interests of information subjects; fourth, participating in credit reporting management related matters many times. Training courses and seminars have improved the theoretical level and working ability of credit management.

6. Some thoughts

Credit management work is intricate and involves all aspects. It is difficult to promote the work. Every step forward reflects the hard work of leaders and comrades. and hard work. However, credit reporting work also has important social and economic significance. Every step forward in the work means that it has made a valuable contribution to the development, progress, and harmony of the economy and society. As a member of the credit management front, I am proud to be engaged in this unprecedented pioneering cause of credit management. Always be grateful, always be enterprising, always be in awe, always cultivate human virtues, always be self-disciplined, always be aware of your own faults, and always think twice.

Practice the scientific outlook on development, conscientiously implement the spirit of leadership instructions, unite comrades, complete their duties to the letter, pioneer and innovate, and strive for a better tomorrow and an infinitely broad future for credit management work, summary of the bank credit self-examination report II

The construction of the rural credit system is an important part of the construction of a new socialist countryside. It is an important means to implement the policies of the Party Central Committee and the State Council to support agriculture and benefit farmers, expand rural credit investment, and achieve an increase in agricultural production and farmers' income. At the same time, the construction of the rural credit system is an important basic task to enhance farmers' credit awareness, improve the rural credit environment and financing environment, improve the level of rural financial services, and do a good job in rural financial work. In recent years, the county association has closely focused on its functional positioning of serving agriculture, rural areas and farmers and county economic development, vigorously promoted small farmers' loans, carried out activities to assess credit farmers and create credit villages and towns, which has effectively promoted the development of the county's rural economy and the improvement of the rural credit environment. improve. The author now conducts a brief investigation and analysis on the construction of the rural credit system in the county.

1. Current status of rural credit system construction in counties

(1) Construction status of rural credit system.

(2) Main practices in the construction of rural credit system

1. Determine the overall ideas and work goals

The county government issued "On Accelerating the Promotion of Social Credit System in the County" "Opinions on the Construction of Credit System" clarified the overall idea of ??building a rural credit system: guided by the scientific outlook on development, taking the construction of a new socialist countryside as an opportunity, taking the credit reporting system as the carrier, using credit evaluation as a means, and building incentives and punishments Focusing on the mechanism, increase government organization promotion and rural credit publicity, follow the principles of first easy and then difficult, steady advancement, reform and innovation, supporting agriculture and benefiting farmers, universally create credit files for farmers and township enterprises in the county, and actively promote credit users, The construction of credit villages explores effective ways to build a rural credit system and expand rural credit support, so as to promote the coordinated development of rural economy and finance in Hainan Province. The overall goal is to strive to initially form a rural credit system framework of credit promotion, information collection, credit evaluation, and credit support for agriculture in about three years. The establishment of the overall ideas and goals has laid a solid foundation for promoting the construction of the rural credit system.

2. Establish a coordination and linkage working mechanism

In the construction of the rural credit system, a coordination and linkage working mechanism has been established that is government-led, central bank promoted, rural credit implementation, and social participation. Establish a rural credit system construction implementation group with the director of the association as the team leader and the directors and credit personnel of each credit union as members to uniformly organize, lead and coordinate the construction of the rural credit system, and be responsible for the development of credit townships (towns), credit villages, and credit users. Creation and implementation. Innovate credit products and increase rural credit investment; formulate specific supporting support policies, proactively use evaluation results, and introduce incentives and punishment measures; establish records on a household-by-household basis based on the basic situation of farmers, own assets, credit records, operating capabilities, projects, etc., and establish Data quality accountability system and regular data update mechanism. Actively promote the application of farmers' credit information database and farmers' credit scoring system, innovate the farmers' credit management system, and actively create new credit business management processes.

3. Lay a solid foundation, advance steadily and implement step by step

The construction of the rural credit system is a systematic project and a new thing for the general public. Therefore, we will lay a solid foundation for our work, advance steadily and implement it step by step.

First, increase publicity efforts and create public opinion. In order to promote the construction of the rural credit system, enhance people's credit awareness, and build integrity, make full use of public opinion tools such as radio, television, slogans, and newspapers to increase publicity and guidance for the construction of the rural credit system, and highlight the construction of the rural credit system. The purpose, meaning, evaluation criteria, procedural steps and other relevant content. Make the majority of farmers fully aware of the importance of credit information collection and increase their enthusiasm for consciously collecting information. Adopting the publicity strategy of surrounding the city with rural areas, we have held three credit reporting knowledge training sessions and trained all village party secretaries and village heads of 180 rural village committees in the county.

The second is to establish an incentive and punishment mechanism to guide farmers to proactively establish personal credit files.

Based on the evaluation results of farmers, credit cooperatives implement differentiated policies in terms of credit lines, approval authority, service types, applicable interest rates, collateral, recommendation and evaluation, etc. Provide preferential treatment and convenience to farmers with good credit, and impose restrictions on those with bad credit. Based on the evaluation results of credit townships (towns) and credit villages, we will formulate administrative punishment and reward measures with the township governments. Credit townships (towns) and credit villages can enjoy preferential policies in terms of agricultural project development, preferential interest rates, rural supporting services, etc.; the credit evaluation status of various places is linked to the quota allocation of re-loans to support agriculture, and re-loans to support agriculture focus on those with better credit status. Good areas slope.

(3) Achievements in the construction of rural credit system

First, the quality and efficiency of fund operation have been significantly improved. The non-performing loans of rural credit cooperatives in our county have declined, and the asset quality has been gradually optimized. As of the end of June, the balance of non-performing loans of credit unions was 88.3526 million yuan, a decrease of 20.3992 million yuan from the beginning of the year. The non-performing loan ratio was 4.29, a decrease of 1.49 percentage points from the beginning of the year. Off-balance sheet write-offs and bill replacement non-performing loans of 410,000 yuan were recovered. Non-performing loan ratio dropped significantly at the beginning of the year. The construction of the credit system has significantly improved the quality of new loans, existing non-performing loans are constantly being revitalized, and lenders' credit concepts continue to improve.

The second is to promote the transformation of the rural credit cooperatives’ loan marketing mechanism. Based on the evaluation results of the farmers' credit evaluation system, a method of combining quantitative analysis and qualitative analysis is used to conduct pre-loan review of credit farmers. In the process of farmers' credit evaluation, not only credit-related information is scored, but also family information, comprehensive information and other information that can indicate the non-credit situation of farmers are scored, so that farmers can be evaluated more comprehensively and accurately. The reform of the loan marketing mechanism has promoted the rational use of funds by rural credit cooperatives, expanded the coverage of credit loans, improved the satisfaction of farmers' effective loan needs, and promoted rural credit cooperatives to explore new credit products suitable for farmers' characteristics. According to surveys, rural credit cooperatives have since launched new businesses such as mortgage loans for forest rights and contracted land management rights. For farmers who have established credit files and have loan needs, the satisfaction rate of effective loan needs has reached 76%.

Third, the credit awareness of farmers in the county has been significantly enhanced. In the past few years, under the leadership of the government and the People's Bank of China and the active promotion of the Rural Credit Union, the construction of the rural credit system has become the focus and breakthrough point of financial support for local economic development under the new situation. It is based on cultivating a credit environment and strengthening integrity publicity. In fact, it has effectively promoted the win-win situation of economy and finance. The government's credit image and administrative credibility have been significantly improved, the public's credit awareness and credit quality have been further improved, and the relationship between banks and enterprises has been further improved. The county was rated as the title of China's Financial Ecological County (City) by China's 4th Financial Mayors Annual Conference jointly organized by the China Financial Research Institute, China Finance Network, and China Financial Journalists Club. In December, it was rated as a rural credit system by the Chengde City Financial System. The construction work is promoted as a model, which indicates that the county's credit environment construction work has entered a new stage of conventional construction.

2. Problems and improvement measures and suggestions in the construction of rural credit system

1. Problems in the construction of rural credit system

First, the credit system There is not enough awareness about construction. In counties, although the construction of the rural credit system is led by the government, the depth and breadth of the development are not enough. From a certain perspective, the construction of the credit system is related to people's livelihood and county economic development. Therefore, government guidance, social attention, and full participation are imperative, and are also the fundamental way to solve the contradiction between supply and demand of credit funds.

Second, the credit system is not sufficiently socialized. From the perspective of credit itself, the credit system is not only the degree of credit integrity, but also includes the credit status of all aspects of the creditor. Therefore, the construction of the credit system is a social systematic project, including the degree of credit in all aspects of society, which also requires In the construction of the credit system, it is not only necessary to maintain the financial credit environment, but also to maintain the integrity of public perception. That is to say, the construction of the credit system is required to focus on credit construction from all aspects of society.

Third, the punishment for lack of credit is not strong enough.

The main purpose of blaming untrustworthy behavior has always been in the moral category, but the corresponding punishments are not in place, and the dishonest person has no fundamental loss of interests. Therefore, the binding force on the untrustworthy behavior is insufficient, resulting in a situation where everyone calls for beatings but does not take action. It will not form a deterrent against dishonest behavior.

Fourth, the cultivation of credit concepts is not enough. Ancient China was based on trust, but with the rapid development of modern social economy, the influence of foreign outlook on life, values ??and interpersonal relationships has had a huge impact on the inherent concept of credit, which requires the fundamental awareness of the public. Start by cultivating the concept of integrity, establishing the value of integrity and practicing honest behavior.

2. Several opinions on the construction of rural credit system

Take the establishment of incentive and punishment mechanisms as a breakthrough point to improve the effectiveness of rural credit system construction.

First, we should establish a long-term mechanism for the construction of rural credit system based on the construction of credit culture. The construction of the rural credit system should be based on enhancing farmers' concept of integrity, strengthening credit information publicity and education, and realizing the regularization and expansion of credit information publicity. In the process of credit information publicity and education, three combinations should be done: first, the combination of credit information publicity and the construction of new rural areas; second, the combination of credit information publicity and the construction of credit users and credit villages; third, the combination of credit information publicity and the promotion of credit information products In combination, we will continue to strengthen farmers' credit concepts and build a new rural credit civilization under market economy conditions.

The second is to focus on legal system construction and improve the legal environment for rural credit construction. The first is to establish a breach of trust restraint mechanism as soon as possible in accordance with the country's existing laws and regulations, forming a joint force among banks, judiciary, and taxation to sanction and crack down on untrustworthy behavior; the third is to use administrative guidance as the starting point, and the government takes the lead in building a trustworthy government and effectively transmits Credit construction measures and implementation effects provide legal protection for rural areas to attract more financial capital and social funds.

The third is to take infrastructure construction as the starting point and expand the coverage of rural credit system construction. The first is to speed up the integration of rural credit cooperatives into the grid, universally establish and improve credit files for rural households, and vigorously promote the collection of non-bank information; the second is to standardize the review of rural household credit ratings and the "Letter of Credit" system, and increase financial support for the rural credit guarantee system. Continuously improve the incentive and guarantee system for investment and financing in rural areas; third, strengthen contact and cooperation with industry, commerce, taxation and other departments, gradually expand the scope of use of the "Credit Report", and make the "Credit Report" a second ID card for farmers.

The fourth is to use property rights reform as an innovation point to promote the sound and rapid development of the rural credit economy. It is recommended to further deepen the reform of the rural collective land property rights system. For the land contracted by farmers, effective forms such as issuing certificates and confirming the rights should be adopted under the premise that the nature of ownership remains unchanged. The mortgage of rural land use rights should be used as a breakthrough for credit to improve the quality of the land. The use value enables agricultural production entities to not only have the right to use the land, but also the right to dispose and transfer it, so that the resources in the hands of farmers can be transformed into transferable credit instruments recognized by the financial sector. Summary of the Bank’s Credit Self-examination Report

In 20__, under the cordial care of the leaders of the head office, the careful guidance of the leaders of the Credit Management Department, and the full cooperation of the comrades, I carried out the national macroeconomic , financial policies and credit laws, regulations and administrative rules as the guidelines, strive to improve their own quality, conscientiously perform their job responsibilities, pay attention to research and analysis, boldly try innovative measures, and achieve certain work results.

1. Continuously improve yourself and improve your overall quality.

In order to adapt to the objective needs of XX bank work under the new situation, I always put learning in an important position and strive to improve my overall quality. First, conscientiously studying Deng Xiaoping Theory, the Important Thought of Three Represents and the Scientific Outlook on Development theory politically not only improves political insight, but also establishes a correct world outlook, outlook on life, values, and service outlook; second, in In terms of business, I conscientiously study financial policies and new loan regulations, which not only broadens my knowledge level, but is also good at working creatively in practice; thirdly, I pay attention to personal character cultivation at work, and strive to abide by laws and regulations, obey leadership, unite colleagues, and take into account the overall situation. , Be honest and do things in a down-to-earth manner.

2. Focus on business innovation and improve work efficiency.

Due to changes in the staffing of the credit management department and the increasing number of loans applied for by each branch, the original credit review management system has become increasingly unable to adapt to the objective needs of business growth. Timely updates will inevitably seriously affect the efficiency of loan review and may even lead to the loss of hard-won customer base. However, if external professionals are hired to update the system, firstly, there will not be enough time, secondly, there is a risk of program leakage, and thirdly, higher research and development expenses will be paid. Therefore, Comrade XX and I jointly developed a new credit review management system through independent innovation in line with the purpose of considering the interests of XX Bank. The system can automatically generate review forms, voting forms, review and approval opinions, review reports, meeting minutes and other related credit review materials. It not only saves human resources, but also maximizes the efficiency of loan review work, and has gained the trust of the head office leaders and branches. Institutional leaders and loan officers fully affirmed it and promoted its use throughout the jurisdiction. In addition, I carefully summarized the successful experience in developing a credit review management system under the title "Technology Assists Business Innovation", which was published in the head office's newsletter.

3. Perform your duties effectively and be a good decision-making consultant.

Statistical reporting of credit data requires extensive credit knowledge and years of experience. Reports include daily, ten-day, monthly, quarterly and other regular reports as well as many temporary reports, which are submitted to higher-level banks, the Banking Regulatory Bureau, the People's Bank of China and the Municipal Finance Office. I pay attention to different reporting standards and continuity of reports for the data reported to different units. On average, more than 40 sets of reports are reported every month, ensuring accurate data and timely submission. The review and printing of credit materials require fast work efficiency and a high sense of responsibility. I carefully review the legality, compliance, authenticity, completeness, validity, consistency and rationality of the loan application materials, fully reveal the main risk points and propose risk prevention measures, review and print review materials throughout the year More than 3,000 copies ensure the efficiency and quality of loan review. In addition, I also achieve "three diligences" in my daily work, that is, diligent observation and research and writing research reports; diligent accumulation of materials and guidance of grassroots work; diligent feedback of information and being a good decision-making consultant. "Some Suggestions on Strengthening Credit File Management" written by me was adopted by the head office's research journal. I also participated in the formulation of credit management systems such as the "__Rural Credit File Operating Procedures and Management Measures", which promoted the bank's credit management to move in the direction of having rules to follow, rules to be followed, rules to be followed strictly, and violations to be punished.

4. Carry out credit reporting publicity and improve the financing environment.

In order to actively respond to the "20__ Credit Information Special Publicity Month" campaign launched by the Head Office of the People's Bank of China, I adhere to the publicity principles of "vigorous, distinctive and effective" and closely follow the "Cherish Credit" With the theme of "recording and enjoying a better life", we assisted the leaders in charge of the head office and the leaders of the credit management department to carry out various forms of credit information publicity activities, which achieved good social effects. At the beginning of September, I coordinated and guided all branches to go deep into the fields to publicize credit information knowledge to farmers on the spot, and posted credit information leaflets in the government affairs disclosure columns of key administrative villages, doing everything possible to send credit information knowledge to thousands of households, and effectively Improved social awareness of credit information knowledge. In early September, I assisted the corporate customer service center to visit the household management enterprises within its jurisdiction, hold discussions with the leaders of the enterprises, and publicize the positive role of the credit information system in the construction of credit systems for small and medium-sized enterprises and rural areas. On September 19th, I participated in the "Rural Stage" credit information knowledge into the rural publicity event held by __ Bank in __ Manchu Township, which is rich in local Manchu characteristics. This activity was carried out by interweaving the host's explanation of credit information knowledge with singing and dancing, and duet performances. It was effective in educating and entertaining. It was promoted by the Municipal People's Bank in the form of an official document and was notified and praised.

5. Serve the grassroots seriously and ensure that management is in place.

Serving the grassroots is a basic task for good credit management, and it is also the main responsibility of the credit management department to implement the credit management spirit of the head office. I have worked at the grassroots level for many years and am familiar with the hardships faced by frontline employees, especially loan officers.

Therefore, I firmly establish the purpose of serving the overall situation and serving the grassroots, and use the satisfaction and dissatisfaction of the grassroots as the standard for measuring my work. The first is to patiently answer difficult questions encountered by credit officers, promptly help the grassroots handle difficult business, understand the needs of the grassroots for credit management, and avoid the disconnection between grassroots and functional department management at the head office; the second is to coordinate and guide the grassroots to complete credit statements, collect Daily management of the credit system, annual review of loan cards of account-opening enterprises, five-level classification of credit assets, investigation and collection of loans borrowed in names, fake names, etc., and loans that are overdue, overdue for more than 90 days, overdue, and in arrears of interest are carried out on normal loans. Risk monitoring and early warning reminders; third, taking credit job training as an opportunity to effectively perform business guidance functions for grassroots levels. In mid-February, I participated in holding a credit file study class for the whole jurisdiction, which laid a good foundation for the credit file management of the whole jurisdiction to gradually move towards standardization. At the beginning of April, I participated in holding a nationwide credit reporting class, which further standardized the operation of the credit reporting system and provided good information guarantee for preventing credit risks. In early and mid-July, in the training classes for credit personnel under the jurisdiction of the whole jurisdiction, I was responsible for explaining the knowledge of regular credit statements, common problems and solutions in the credit management system, and the filling of various reports during the special rectification stage of the provincial federation. The staff have benefited a lot from learning new loan regulations, changing ideological concepts, improving business quality, and preventing and controlling credit risks.

To sum up, although I have achieved certain results in my work, there is still a certain gap between the requirements of the leadership and the expectations of comrades. First, the spirit of the instructions of superior leaders is not understood thoroughly enough. Second, the punishment for problems is not strong enough. Third, there is less business guidance for loan officers in daily life. Fourth, the concept of the agency serving the grassroots needs to be further strengthened. In the new year, I will fulfill my duties, work hard, constantly innovate work ideas and measures, be a good consultant for leadership decision-making, a good "pawn" in credit management, a good "vanguard" in serving the grassroots, and serve __ Bank Make new achievements in sustainable development.

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