Bank collection personal work summary

Sample essay on personal work summary for bank collection

Time flies by, and a period of work activities has come to an end. Looking back on the work during this period of time, I have gained a lot. For this reason, I have to Do a good job summary. In order to make it easier and more convenient for you to write a work summary, here is a sample bank collection personal work summary that I have compiled for you. Welcome to read and collect.

Summary of personal work of bank collection 1

In 20XX, under the correct leadership of the superior department, all the staff of Hengshan Rural Credit Insurance worked together to face the difficulties and safeguard their rights in Qingfei The work has achieved gratifying results. By the end of 20XX, *** had 34.12 million yuan of non-performing loans under its custody. 23 households were prosecuted in accordance with the law, with a total amount of 2.13 million yuan, 20 households were issued payment orders with a total amount of 1.67 million yuan, and 4 households went bankrupt to defend their rights, with a total amount of 11.49 million yuan, and 1.36 million yuan was recovered. Assisted the court to detain 16 people, recover 4 houses, auction and dispose of 7 cars. Completely recover the principal and interest of 8.12 million yuan of non-performing loans throughout the year, including 5.92 million yuan of principal and 2.2 million yuan of interest. 116 tasks were completed, accounting for 10% of the county's total. A total of 57 bad loans have been recovered. Looking back, we mainly did a good job in the following aspects:

1. Strengthen management and establish rules and regulations.

With the continuous deepening of the reform of the rural credit cooperative system, facing the complex social environment and the future development of rural credit cooperatives, asset preservation work has higher requirements, which requires us to continue to improve. and innovation, in order to better implement the reform spirit of the Provincial Association and adapt to the requirements of credit risk prevention and non-performing asset management, the asset protection department must be repositioned, change its functions, and change from a single collection and tackling to rights protection, collection, management, Prevention and control. To this end, the Department of Security formulated the "Management Measures for Asset Preservation and Revitalization of Hengshan County Rural Credit Cooperative Association" at the beginning of the year to standardize and standardize the tasks of asset preservation and collection, credit asset rights protection, debt repayment asset management, replacement asset management and disposal. After arriving at their posts, target responsibility contracts and job responsibility contracts were signed at all levels, and then the "Measures for Assessment and Rewards for Disposal of Non-Performing Assets", "Measures for the Management of Non-Performing Assets", "Measures for the Disposal of Non-Performing Assets", and "Measures for the Accountability of Non-performing Asset Management" were successively formulated 》, in order to solve the long-term problem of unclear foundation of debt-repaired assets, statute of limitations, and unclear responsibilities, after three months of exploration and research, a credit rights protection system software was developed to computerize the management of non-performing assets in the county and implement the statute of limitations. The early warning reminds everyone to take responsibility, laying the foundation for realizing that all non-performing assets are monitored and managed by the asset insurance company. It also played a decisive role in fully completing the task of collecting non-performing assets.

2. Strict assessment and implementation of the system.

Adhering to "people-oriented" is the essence and core of scientific development. In order to fully mobilize the enthusiasm of the team members and ensure that everyone is truly committed to breaking the big pot, we are the first to cancel the file salary and pay based on performance. There is no upper limit on salary and lower salary. There is no guarantee, if the task is exceeded, additional rewards will be given, and special bonuses will be issued to those who have made special contributions. In this way, the responsibility is truly placed on the shoulders of each team member, so that employees understand that only performance will lead to salary, and contribution will lead to rewards. Over the past few years, we have strictly followed the system and fulfilled the target responsibility contract. The team members with the highest salary can get 100,000 yuan a year, and the lowest salary is less than 10,000 yuan. However, the employees still strongly support it without any complaints. Comrade Luo Jianliang, who protects everything, always thought that it was too difficult to collect income in XX and he could not get wages. He only had more than 10,000 yuan per year. He focused on the tertiary industry, but all year round, he worked day and night and could only make profits. 20,000 to 30,000 yuan. At the beginning of XX, he changed his mind and devoted himself to work. In the past year, the team recovered the loan principal and interest of 2.24 million yuan, including 1.57 million yuan in principal and 670,000 yuan in interest. According to the assessment, he received more than 50,000 yuan in salary and bonus. .

Third, learn from the "Foolish Old Man" and seize assets to "protect rights."

With the continuous deepening of the reform of the national property rights system, in 20XX, the Hengyang Municipal Government proposed to "comprehensively complete the reform of the property rights system of city and county state-owned enterprises within two to three years." State-owned enterprises and township enterprises in our county subsequently Bankruptcy has become common. For the sake of local interests, they often take advantage of restructuring to avoid debt cancellation, which seriously damages the security of credit cooperatives' credit funds and makes it difficult for credit cooperatives to protect their creditor's rights. In order to reverse this situation, we must carry forward the spirit of "The Foolish Old Man Moves Mountains" and work diligently to resolutely safeguard the legitimate interests of credit unions. Dongxing Porcelain Factory in our county is a rural enterprise. Since 1994, *** has accumulated a total of 26.73 million yuan in principal and interest in loans to credit unions. It has always been a major problem for local credit unions and has always been the focus of long-term attention of Baoquan. On July 20, 20XX, the factory filed a bankruptcy application with the Donghu Town Government. The County Township Enterprise Bureau and the County Restructuring Office approved the bankruptcy on October 9, 20XX. After we got the news, we quickly intervened and contacted the town more than ten times. The government and county government requested direct participation in the bankruptcy liquidation of the factory. Through the security department, we conducted a careful inventory verification and investigation of the factory. We also contacted the county and town governments many times for coordination, and went to the court to explain the situation and our position. Finally, we received strong support from the county government and the county court. Support, on May 30, 20XX, the county government made the minutes of the county magistrate's special meeting, and determined that under the condition of a total asset auction of 1.4 million yuan, it would repay the credit union's loan of 1 million yuan. On July 31 this year, after the second public auction failed, Under the circumstances, the transaction was sold for 1.4 million yuan. On December 23, the court delivered the full amount of 1 million yuan to the credit union. Only then did this bankruptcy case, which lasted for more than two years, come to an end. In 20XX, bankruptcies like this helped to secure the settlement of four cases, reducing the credit union’s losses by 1.7 million yuan.

Fourth, dare to confront tough situations and tackle tough problems in accordance with the law.

Tackling difficulties in accordance with the law has always been the theme of asset preservation and is also the magic weapon for our success. As the saying goes, "To strike with iron, you need to be tough." If you don't dare to confront tough problems with legal weapons, you will not be able to achieve the effect of tackling tough problems. Therefore, every team member in asset protection has "hard skills." Shen from Hengyang City borrowed 400,000 yuan in his own name from Changjiang Credit Union in our county in 2000. After the loan expired, he never repaid the principal and interest. The credit union repeatedly called for collection, but always avoided it. When the time limit was about to expire, the credit The company will collect all the money on bail. In August 20XX, through the hard work of all the security staff, Shen agreed to return it in November 20XX and re-signed the loan contract. After the loan expired, Shen refused to repay the loan under various excuses, and mortgaged the Audi car originally agreed to be mortgaged to a third party. The credit union had no choice but to pay off the entire loan. The security department quickly filed a lawsuit with the Hengshan County Court and applied for property preservation. The car was found in Nanyue at about 6 pm on January 9, and they immediately contacted the court to impound the car. The other party relied on the mortgage agreement written by Shen to organize dozens of people to stop and take away the impounded vehicle, resulting in hundreds of onlookers and disrupting traffic for several hours. Faced with such a scene, we were not afraid. , did not back down. On the one hand, they tried their best to cooperate with the court to control the situation and explain to the masses. On the other hand, they reported to the leaders of the Associated Press and the court leaders, mobilized forces, and requested support from the local public security organs. It lasted more than seven hours. With the support of the public security organs and the court's judicial police brigade, the leader of the riot was finally put into judicial custody at 2 a.m.. Forced by the majesty of the law, the stolen vehicle was sent to the court for seizure the next night. Later, we seized Shen’s other car and second house in Changsha. Now Shen’s whereabouts have long been unknown due to huge debts and numerous lawsuits. In November 20XX, we conducted a public auction for two cars and raised 310,000 yuan. The house also entered the auction process. It is expected to get 300,000 yuan. So far, this hopeless loan has not lost a penny and has been recovered. The principal and interest are more than 700,000 yuan. According to statistics, more than 60% of the loans we have recovered were obtained through head-to-head confrontation, and each loan has a wonderful story.

5. Don’t be afraid of hardship, pursue and resolve stubborn illnesses.

In today's society, integrity is declining, and financial debts are like "Tang Monk Meat". You can run away when you can, depend on others when you can, and even go out for a long time to settle down. Faced with such an environment of social integrity, we know that there is no spirit that is particularly capable of enduring hardship, fighting, and dedication. Without a group of dedicated team members who are dedicated to their work, wise, courageous, and willing to contribute, we will not be able to overcome difficulties. Talk about. In the past few years, the comrades who have protected all the people have traveled north and south, fought east and west, traveled hundreds of thousands of kilometers, day and night, rain or shine, leaving debt evaders with nowhere to hide. Huang Yucheng, a villager in Shi'ao Village, Wangfeng Township, our county, borrowed 249,600 yuan from Wangfeng Credit Union 13 times from February 1993 to December 1998. After repeated calls from the credit union, he could only repay the principal of 6,600 yuan and part of the interest. The accumulated interest is 204,114 yuan.

Due to serious losses due to car purchase and business, he has been away from home since 1999 and has no whereabouts. The credit union paid the insurance in 20XX and collected all the money. After Bao Quan took over the case, he sought information from his family members (parents, brothers), relatives, and friends. On the other hand, he quickly filed a lawsuit with the court, and the court quickly issued a default judgment. In 2005, when we were executing another loan account in Zhijiang, Huaihua, we learned that Huang had opened a motorcycle dealership in Linwu in partnership with others and had certain assets. So Bao Quan quickly organized people to rush to Linwu, but he avoided seeing him. The owner of the motorcycle shop also denied that Huang was a joint venture and was just helping him run business. Later, he went to Linwu again and again but returned without success. In June 20XX, we found that Huang had already opened a separate store in Linwu. Although it was pouring, we did not hesitate and went straight to Linwu. After arriving in Linwu, we didn't alert him first. Instead, we checked his property status through the industrial and commercial offices and banks. His industrial and commercial registration was cunningly still in someone else's name, so we investigated carefully and finally caught his hand, renting a house in the store. He signed all the contracts, and the people nearby also reported that he opened the store, and sent people to secretly enter the store to find out. After obtaining sufficient evidence, we detained him in judicial custody. In the face of a large number of facts, he had no choice but to Lower your head and repay the interest of 200,000 yuan and the principal of 243,000 yuan in one lump sum. Just because of this money, this credit union, which had been losing money for three consecutive years, took off its loss cap in one fell swoop.

In the past year, there has been hard work, joy, achievements, and hope. He is proud of the correct leadership of the Party Committee of the Associated Press, the strong support and cooperation of the credit union, and even more proud of all the hard-working team members. Hard work and selfless dedication. Although we have achieved some results, we are still far from the requirements of our superiors. We know that the road to rural Xinhe rights protection will be more difficult in the future, and the tasks waiting for us will be even more arduous. We will continue to work hard and strive to fully complete our mission. We will carry out the task of reducing non-performing assets in the county and optimize the environment for rights protection and collection of non-performing assets to make greater contributions. Summary of personal bank recovery work 2

In the first half of the year, our city's federation carried out strict arrangements for the collection and reduction work in accordance with the spirit of the document "Opinions on the Collection and Revitalization of XX Rural Credit Cooperatives in xx City" and arrangements, and achieved certain results. By the end of June, a total of xxx million yuan of non-performing loans had been recovered according to the five-level classification standard, with a net pressure of xxx million yuan. The xxx and xxx planned by the municipal office had been completed respectively, and the proportion of non-performing loans had dropped by xxx percentage points, achieving both a decrease in the proportion and absolute amount of non-performing loans. Looking back on the collection work in the first half of the year, our association has mainly accomplished the following tasks:

1. Main work measures

1. Formulate plans and clarify goals. At the beginning of the year, our association established a leading group for liquidation and liquidation activities headed by the chairman, formulated the "Opinions on the Liquidation and Liquidation of XX Rural Credit Cooperatives in XX Years", and completed the xxx million yuan liquidation issued by the municipal office. Decompose the collection plan tasks and the net pressure plan of 2 million yuan into each grassroots community. At the beginning of April, based on the basic situation of non-performing loans of rural credit cooperatives in the city before the end of March, our company specially issued the "XX City Rural Credit Cooperative Work Plan for Clearance and Collection Activities in XX Years" and shifted the focus of credit work from April 1 As for the clean-up work, we plan to complete the entire year's clean-up task in seven months.

2. Implement key points and treat them differently. The first is to implement the collection of key households.

We will continue to implement the system of collection and collection of households by members of the association team and relevant departments. By the end of June, we have supervised the recovery of key households including Building Materials Machinery Factory xxx million yuan, Dongfeng Frame xxx million yuan, Wang Yong xxx million yuan, Cheng Gongquan xxx million yuan, Chen Shibin xxx Ten thousand yuan, etc., thus forming a good collection momentum. The second is to implement key social collections. According to the arrangement of the association, the risk department conducted a key analysis of Huandiqiao Credit Union, which has a relatively large balance of non-performing loans, and formed an analysis report to clarify the focus of collection. By the end of June, a total of xxx million yuan of non-performing loans had been recovered. The replacement loan is xxx million yuan, but the effect is not very obvious.

3. Strict rewards and punishments, and strengthen assessment. First, for each doubtful, loss and replacement loan recovered before the end of XX, rewards will be collected according to the prescribed proportion, and a collection reward policy will be implemented for whoever collects, thus mobilizing all employees to collect. second, starting from April, all directors of credit unions who ranked the bottom three in the city in terms of collection work for three consecutive months will be dismissed from their posts, which has enhanced the sense of responsibility of grassroots cooperative directors in collecting abnormal loans; third, starting from April Starting from March, credit union employees (excluding back-office positions such as savings) will be included in the individual assessment based on the standard of 600 yuan per month, and will be settled and cashed out monthly based on the completion ratio. Agency personnel will participate in the post-point assessment according to the standard of 50 yuan for grassroots employees, and at the same time, the tasks will be The work was divided into positions and people, creating a good situation in which all employees were involved.

4. Increase the collection of responsible loans. For responsible loans that have been identified by the Associated Press Risk Management Committee, based on both illegal and non-violative circumstances, xxx and xxx of salary income will be deducted every month to offset the responsible loans. By the end of June, *** had withheld xxx million yuan, involving xxx persons responsible.

5. Unswervingly insist on collection in accordance with the law. Since our association has won as many as xxx cases that have not been executed over the years, our association has always maintained a cautious attitude towards cases that need to be prosecuted, requiring that every prosecution must be sure to be executed, which can truly act as a deterrent, and for successful cases Each grassroots cooperative is required to clean up again, find out the information of debtors, and contact the court enforcement bureau in a timely manner for enforcement. In the first half of the year, the Risk Section of the Associated Press focused on the case of Shantai Company, but to no avail due to various reasons, it only recovered xxx million yuan from Xie Shouquan's case according to law. In addition, xxx million yuan was collected through risk agents, including Wang Yong's xxx million yuan, Cheng Gongquan xxx million yuan.

6. Comprehensively implement the “five batches” special activities. First, in order to further expand the collection effect, the Risk Section of the Associated Press has implemented the contents of the "five batches" special activities one by one, clarified relevant policies and collection methods, and required grassroots credit cooperatives to attack in an all-round way and conduct thorough investigations on the basis of With an objective and pragmatic attitude, we distinguish between what can be recovered and what cannot be recovered, take corresponding countermeasures, and go all out to carry out collection; second, before the end of June, the risk department inspected the expired loans issued by each society after the end of XX The situation of preservation of uncollected loans and the loss of statute of limitations due to human factors were not found, and the loss loans of various cooperatives were re-confirmed to determine which loans were real losses that could not be recovered; third, the Associated Press Risk Management Committee studied in May to plan Mingshan Supply and Marketing Cooperative owes Mingshan Credit Cooperative a replacement loan of xxx million yuan for packaging and disposal. This work is currently in progress.

2. Existing Difficulties

First, from a subjective analysis, there is a common problem of unreliable work style among grassroots community field staff. They do not go to the countryside when the weather is hot or cold, and they do not go to the countryside when it rains or snows. Going to the countryside, even when going to the countryside, is mainly to collect the small agricultural loans that are due that year. Most of the abnormal loans formed over the years are tough and difficult to get around. Working within eight hours and having fun outside eight hours is contrary to the farmers' habit of working from sunrise to sunset. It is impossible to find debtors and the collection efforts are obviously insufficient. In addition, some directors of credit unions have the concept that new officials ignore old accounts and only accept loans granted by themselves, regardless of loans granted by their predecessors. They only focus on deposits and profits and do not pay attention to illegal cleanup work.

In addition, the case of Chen Guishantai Company is actively communicating with the Court's Executive Bureau. The court can only follow normal legal procedures, which will take time; for the loan of Jinshandian Fushan Mining Company, our Associated Press has repeatedly contacted the Jinshandian Government, Jinshandian Iron Mine, The three units in Fushan Village negotiated and estimated that the collection will be recovered next year. The two cooperatives will affect the collection plan at least xxx million yuan; second, from the analysis of objective factors, as of the end of June, the balance of non-performing loans of our association was xxx million yuan, of which substandard xxx million yuan, The suspicious amount was xxx million yuan, and the loss was xxx million yuan. After investigation in the first half of the year, it was found that xxx million yuan was indeed unrecoverable. From the analysis of 100 key households, the amount of this type of loan is xxx million yuan, and only xxx households can partially recover it.

3. Work plan for the second half of the year

In the second half of the year, our association has decided to work together as one, and strive to take active and effective measures to speed up the progress of liquidation and revitalization, and is determined to complete the liquidation work as much as possible plan.

(1) Subjectively mobilize the enthusiasm of all employees for collection work; for example, adopt a preferential collection reward policy for key cooperatives such as Huandiqiao Credit Union, and the association will no longer accrue funds from this cooperative in the second half of the year Loan processing fee collection.

(2) In accordance with the work plan formulated at the beginning of the year and the content of the collection activities starting in April, we plan to supervise and implement the collection of the following key households: Luoqiao Tuannao Village, Xujiapu Village, Wangtai Village, Sikesong Village, Baoan Cement Factory, Fushan Mining, Chengguan Guanshan Village, Chen Gui, Chen Shibin, Hong Changsheng, Zou Lianggen from the sales department, etc.

(3) Carry out the "five batches" special activities in an all-round way, strive to make breakthroughs in packaging and disposal, and make progress in centralized collection.

(4) Be ruthless in collecting responsible loans; for responsible loans that have been identified, we will strictly implement the relevant penalty system and withhold salary income to offset the responsible loans until they are fully repaid. until.

(5) Effectively carry out collections in accordance with the law; malicious evasion of debts must be resolutely resolved through legal channels, and communication with government departments must be strengthened to strive for breakthroughs in successful but unexecuted cases, to the maximum extent The credit union's creditor's rights were preserved to the maximum extent, and the main targets were Cheng Gongquan, Wang Yong, Xie Shouquan and Santai Company.

(6) Strictly control new non-performing loans to ensure collection results. For new loans, we strictly implement the "four guarantees and one quotation" system to ensure that no new overdue loans occur;