20 18 model essay on safety work of credit cooperatives (five articles)

20 18 model essay on safety work of credit cooperatives (five articles)

Chapter 1: Overview of the work of grass-roots credit cooperatives.

First, build a boutique business and build a brand image. Take active and effective measures to seize market share. Faced with the unfair competition between the powerful Agricultural Bank of China and the Postal Savings Office, our agency did not wait passively, but formulated the policy of finding a way out of competition and seeking development through exploration. The post responsibility system and assessment methods from the supervisor to the specific handling personnel were established. Specific refinement to each employee, organize employees to seriously study methods and measures, so that everyone knows fairly well, the tasks are clear, and the assessment methods are clear. During the "Double Festival" period, in view of the favorable opportunity of the obvious increase in capital flow and the expansion of deposit sources of enterprises and institutions, the temporary assessment and reward method for deposits in the first quarter was introduced in time, which quickly set off a craze for organizing and marketing deposits in the whole society. In terms of security mechanism, our agency has established and improved five basic systems, such as the month-end deposit analysis meeting system, the key large household management system and the customer manager's regular return visit system. On deposit incentive mechanism. According to the assessment methods formulated by the county association at the beginning of the year, our agency has formulated the assessment methods for savings deposits in 200# years. Because the assessment method highlights the combination of responsibility and rights, it has strong maneuverability and greatly mobilized the enthusiasm of all social participants in marketing public deposits. So far, two employees in our company have saved more than 2 million yuan, which has set an example for our deposit work.

While doing a good job in incentive measures, we will conduct research and establish a deposit information feedback mechanism. Our agency insists on carrying out investigation and research throughout the whole process of deposit work, so as to promote deposit work through investigation and conduct in-depth investigation on marketing deposits. Through investigation and study, our company has mastered the mineral deposit potential, structure and main attack direction in this area, which provides a basis for decision-making.

On the other hand, targeting high-quality customers and doing a good job in agency business will play a supporting role in stabilizing and increasing deposits. In June alone, through the information provided by employees' relatives, the deposit was transferred from the Agricultural Bank of China to more than 6,543,800 yuan, which laid a good foundation for us to do a good job in preserving and increasing the value of deposits. For example, xxx Wang Jian Shoes and Clothing Co., Ltd., xxx Yuguang Electric Co., Ltd. and other high-quality customers. At the same time, implement quality strategy, establish brand image, and enhance our competitive strength. Due to the personnel transfer at the beginning of this year, our company changed from 65,438+04 employees last year to 65,438+00 employees. In order to solve the phenomenon of more business and fewer employees, on the one hand, we actively seek human resources support from the Associated Press, on the other hand, we train backstage staff, study business every Monday and Thursday, and optimize our positions. Arrange an on-site staff to help work outside the counter every day, sort out customers' emotions, give priority to high-quality customer business, treat customers politely, stabilize large depositors, and show the brand image of credit cooperatives, which also shows the competitive strength of credit cooperatives.

Two, increase credit marketing and investment, and strive to cultivate efficiency growth points.

"Small Farmers' Loan Certificate" and "Golden Ball Card" are excellent services launched by our agency in response to market demand under the new situation. How to make this bigger and stronger is very important for establishing the image of credit cooperatives and finding new profit growth points. We start with the construction of the staff. First of all, we set up an idea in the marketing team: change habits. "Thought determines thought, and thought determines the way out". In the past, because our employees had no goals, no confidence and false work style, in order to change the bad habit that the marketing team was not "mind" and "body" at work. The implementation of early work plan sign-in, late work report, mid-term work inspection and work completion quality assurance system. Is to sign in every day, clear today's plan, the middle leading group will inspect the post irregularly, and find the executors who don't carry out the plan, criticize them in person or fine them. Through the strong implementation of the system, the field has gradually changed its bad habits in work and life. Make the four "10 million" spirits of "traveling all over Qian Shan, entering thousands of households, keeping one word and going through all kinds of hardships" penetrate into the hearts of every account manager in our company and implement them in the actions of every employee. Become the standard and goal of every employee's work.

Second, in order to let every field staff always know about the operation and management of our agency, and make it more purposeful and confident to complete the task. With the cooperation and support of all staff, the task and progress of each account manager are transparent, so that each account manager can see his own shortcomings and the performance of others every day, so as to consciously learn advanced. This year, our agency timely conveyed the marketing work meeting of the Associated Press and put forward the group spirit of "clear responsibility, unity and cooperation, and * * * promoting development". Cadres and employees vigorously advocate clear tasks, and Qi Xin will work together to clarify the responsibilities and tasks of each account manager, so as to ensure the quality and quantity of marketing work plan of the Association.

Third, adhere to the implementation of retrospective management. On the one hand, standardized management has been implemented: in order to ensure the issuance and management of Golden Ball cards and agricultural loan certificates are standardized and scientific, our agency has formulated specific assessment methods and standardized certification procedures. Xxx loan certificate has been issued in the first half of this year. On the other hand, adhere to the audit management of account managers. At the morning meeting every Tuesday, the director presided over a regular meeting of "Review Management", asking each account manager to make a brief summary of his work in the past week and introduce the inspiration of the past week to everyone, so as to realize the experience and let everyone reflect on their own shortcomings, find out the problems and make the next work plan. Through the above humanistic management, every employee has established the positive thought of "striving for Excellence" and the determination and confidence to complete the task.

Third, strengthen team building and shape high-performance teams.

Our society attaches great importance to team building and strives to improve the quality and core competitiveness of the team. To this end, we must first pay attention to the team's business, theory and other learning. In the society, the activities of keeping up with the advanced and "striving for Excellence" were carried out, and the quality and business ability of all employees were improved by setting up models and learning stories around them. On the other hand, while paying close attention to party building and giving play to the leading role of the leading group, we should also pay close attention to the work of building a clean government. Team members strive to take the lead in three ways: taking the lead in overtime without pay; Take the lead in not giving customers food, food, cards, necessities and newspapers, and take the lead in marketing in the countryside. After this year's efforts, the whole society has initially formed a good atmosphere of being positive, working hard together and striving for first-class.

Fourth, strengthen internal management and operate a good internal environment.

In strengthening internal management, we first strengthen the education of people. The second is the strengthening of system execution. Our society insists on grasping both hands, and both hands should be hard. At the beginning of the year, our agency organized employees to systematically study the rules and regulations of the association, which lasted for one month and further established the concept of "customer-oriented, honesty-oriented, dedicated service and pursuit of Excellence". Through a series of study and teaching activities, the political quality and professional quality of cadres and workers have been further improved. On this basis, we have strengthened the implementation of the system, handled business in strict accordance with the operating procedures, and strictly monitored business processes to ensure that business work is carried out according to the rules, laws and regulations. An easy-to-check system, which integrates the agency director and the accountant in charge, conducts regular and irregular inspections to ensure the safety of easy-to-check cases without accidents. The service supervision system, which integrates the director and social ethics supervisor, conducts monthly inspection, report and evaluation to ensure that the service work makes progress every month. The strong operation of the supervision system has effectively promoted the healthy development of various businesses and created a good internal control environment for the Bank's business development, management and benefit growth.

Chapter II: Summary of the work of grass-roots credit cooperatives in the first half of the year.

In the first half of xx, * * * and the credit cooperatives closely focused on the business objectives set by Muling Union at the beginning of the year, combined with our work plan at the beginning of the year, determined the work focus, strengthened management internally and expanded the business scope externally. Through the joint efforts of all staff, although all businesses are running smoothly, we should also be soberly aware of the problems still existing in our work. The work in the past six months is summarized as follows:

1. deposit.

The balance of various deposits was 46.8 million yuan, an increase of 9.36 million yuan over the same period of last year and 3.95 million yuan over the beginning of the year, accounting for 60% of the tasks completed. The average daily balance increased by12.92 million compared with the same period of last year, with an increase rate of%, although there is still a big gap from the target of 6.6 million yuan of net deposit for half a year issued by Muling Associated Press. However, the main reason is that the deposit of our agency at the end of xx surged120,000 yuan, which is the forestry sales fund of Muling Forestry Bureau, occupying most of the year-end balance. With the development of Muling Forestry Bureau's sales, the funds in the first quarter of xx were transferred out one after another and could not be deposited in our bank's savings. So as can be seen from the above data, it is actually to pay off the surge in deposit balance at the end of last year. In addition, compared with other brotherly societies, our society is remote and far from the industrial center. Lack of well-funded corporate customers. The deposit task depends entirely on the net increase of individual savings deposits.

Second, in terms of loans.

1, delivery status

Our agency has conscientiously implemented the spirit of the documents of the Associated Press working conference and continuously increased capital investment. Highlight key points and give priority to ensuring the demand for food production funds. First, we must fully ensure the demand for funds for spring ploughing and preparation for ploughing, and we must never discount the funds needed for farmers to develop production. The balance of various loans was 22.37 million yuan, with loans of that year 1, 556,5438+0,000 yuan, of which agricultural loans 1, 466,5438+0,000 yuan. 900,000 non-agricultural loans. 8 1.63% of the annual190,000 tasks were completed. It increased by 1 10,000 compared with the same period of last year, with an increase of 65,438+065,438+0.82%. Loans are relatively concentrated, and agricultural loans account for 94.2% of the investment.

2. Control the risk of credit assets.

Loan is the main business of rural credit cooperatives, the main channel for rural credit cooperatives to generate income, and the biggest risk of rural credit management. The quality of credit assets is related to the operation and development of credit cooperatives. Because it is common for farmers to go out to work, many people go out to work to earn money, which poses certain risks to the future loan collection and management. To this end, our agency strictly implements the credit risk prevention and control management system, conscientiously does a good job in the five-level classification of loans, fully implements the separation of loan review, adheres to the principle of "safety, liquidity and efficiency" of loans, and adheres to the system of in-depth investigation before lending, review by credit teams in lending, and follow-up inspection after lending.

3. Bad loans

The collection of non-performing loans is slow, which is far from the annual target. As of June 30, the balance of non-performing loans of the Bank was billion yuan, a decrease of billion yuan compared with the beginning of the year. In the first quarter of xx, the loan was collected. In addition, according to the collection action of non-performing loans carried out in June, through regular meetings and field visits, we believe that it is expected to recover about 730,000 yuan. However, according to the plan, it is still very difficult to collect off-balance-sheet non-performing loans in previous years. The main reasons are as follows:

(1), unable to identify the responsible person. 96 loans of 1 1.5 million. Some borrowers are unaccounted for and evade their debts. Some borrowers of farmers' loans have died, and some have been away from home for a long time.

(2) Named loans are large in scale, because the control of credit assets in previous years was lax, and borrowers owed a lot of money because of named loans, such as 90,000 in a large family in Guqinghai and 7 losses of 6,543,800+3,000 in a large family in Cui Zhehao, which increased the difficulty of collection.

(3) Because * * * and Xiang are located in mountainous areas, the climate is cold, and the influence of drought in recent years (www.haomo.com). HaOword.cOm), farmers cut production or even stop production, resulting in a decrease in farmers' economic income and inability to repay loans.

(4) Due to years of debt, you can

The recovered non-performing loans have all been recovered. Due to the above historical reasons, it is difficult to collect off-balance-sheet and off-balance-sheet non-performing loans, and the return on assets is low.

Third, the cost.

The expenses are operated in strict accordance with the new financial accounting model, and the expenses in the first half of the year are controlled at 1 10,000 yuan, and the expenses of our agency are strictly controlled; Strictly control expenses, stop unreasonable expenses, establish a sense of economic accounting, and adhere to the purpose of running cooperatives diligently; Put an end to illegal expenses and reduce all expenses to the lowest point.

Fourth, safety.

Safety work is an important guarantee to ensure the healthy development of various businesses. Since the first quarter, we have earnestly implemented the responsibility system for security and signed letters of responsibility at different levels. The director guarantees the responsible comrades in the back office and the responsible comrades and staff in the back office. Achieved the purpose of * * * management and greatly improved the overall prevention ability; Pay close attention to safety education, organize all employees to carry out safety education and study at least twice a month, and adhere to the regular verification system to ensure that the cash inventory is consistent with the accounts; Improve the authorization system, in line with the principle of "who cards, who authorizes and who signs"; Put an end to the phenomenon of flying cards, ensure the implementation of various internal control systems, put an end to all kinds of cases, and ensure the safety of our funds, property and personal safety from accidents.

Verb (abbreviation for verb) Other aspects

The new settlement business such as Rural Credit Bank has obvious publicity effect. It not only expands the service scope of rural credit cooperatives, improves their popularity, but also facilitates farmers' friends, enabling rural credit cooperatives to provide financial services for farmers' friends. In addition, tasks such as food supplement, wages, subsistence allowances, and home appliances going to the countryside were well completed. The previous 1.900 grain supplement was distributed in time before May, which effectively guaranteed the local farmers' cultivation in the current season.

Work measures to be taken in the second half of the year

Deposit aspect

Highlight the key points of work, absorb deposits by improving service quality, finding large depositors, doing a good job in publicity and other means, stabilize the rural market, increase competition with the Postal Savings Bank, and strive for every inch of land. It is also necessary to use scientific and technological means to absorb deposits and vigorously publicize preferential policies such as low fees and convenient settlement of rural credit cooperatives. In addition, in view of the downward trend of deposits in the second half of the year, countermeasures were taken in the second half of the year to seize market funds. Strengthen counter service, retain customers, win customers, increase repeat customers and promote the growth of natural deposits.

Credit aspect

Further increase the intensity of delivery. Account managers should further emancipate their minds, change their concepts and work styles, overcome the psychology of "being reluctant to lend" and "being afraid of lending", really go out and go door to door to grab high-quality customer resources. Increase investment in agriculture, maintain steady growth of agriculture-related loans, and focus on supporting decentralized loans. Effectively support agricultural production through credit investment. Under the premise of controllable risks, it is necessary to increase investment to ensure the safety of agricultural loan assets. Take effective measures to do a good job in tackling the problem of non-performing loans collection, cooperate with internal and external positions during the collection period, and promote the team's combat effectiveness to the best. Improve the collection efficiency and strive to implement 46 non-performing loans that are expected to be recovered. At the same time guard against potential risks. Earnestly implement the post-loan inspection to ensure that the amount of new loans is not reduced, and those responsible for illegal loans should be strictly investigated.

Internal control management

Improve sports members' awareness of obeying the law and self-protection. Conscientiously implement various safety and security work systems, improve rectification measures in combination with our actual situation, educate employees to firmly establish safety awareness, continuously strengthen internal management and risk prevention, and create a relaxed and stable environment for business development.

1. Strengthen case prevention and control. Strengthen the investigation of "nine categories of people" and carry out regular and targeted ideological education. It is necessary to help every employee settle accounts, recognize the high cost of violation of discipline and consciously resist violation of discipline. Carry out case prevention and control education. Organize all employees to learn the spirit of the work conference and documents on case prevention and control of superior trade unions, understand the current forms of case prevention and control of financial institutions, and further improve the awareness of compliance management. Continue to carry out special case management "looking back" activities. Actively improve all kinds of rules and regulations.

2. Strengthen security work. Strengthen the drill of emergency plan to improve the emergency handling ability of employees; Carry out employee business safety and authorization training and education, implement the network security management system, strictly prevent the occurrence of similar card flying, and ensure the safe operation of the integrated network system.

In short, it is very difficult to complete the task in the second half of the year. Under the leadership of Muling Trade Union, we should work hard and fully accomplish all the tasks and indicators assigned by the trade union.

Chapter III: Summary of credit work of credit cooperatives in the first half of the year.

Summary of credit work in the first half of the year

Over the past six months, under the correct leadership of the Party Committee of the Head Office, with the care and support of relevant offices, and under the leadership of President Zhu, all the credit personnel of the Bank have persistently studied the Party's principles and policies and the rules and regulations of the Head Office, and strictly handled every credit business under the guidance of "three methods and one guide". At the same time, they have been keeping a close eye on the objectives and tasks for the whole year and making active efforts. In the first half of the year, accumulated loans reached billion yuan, loans due reached billion yuan, and personal off-balance-sheet storage balance reached billion yuan, a net increase of billion yuan over the beginning of the year. In order to sum up the achievements, find out the shortcomings and do a better job in the second half of the year, the work in the first half of the year is summarized as follows:

First, persist in learning and strive to improve the professional quality of credit personnel. All our credit officers clearly realize that if we want to strictly implement the rules and regulations in our work and guard against various credit risks, we must be familiar with various credit management rules and regulations, relevant laws and regulations and credit operation procedures. Therefore, in addition to organizing the loan officers to participate in the study and training organized by the Head Office, we also require the loan officers to insist on self-study of relevant laws, regulations and rules such as the Commercial Bank Law, the Contract Law, the Company Law and the relevant implementation rules of the Head Office. At the same time, we also organized everyone to seriously study the Party's provisions on honesty and self-discipline, so that all credit officers can establish a correct outlook on life and values ideologically and improve their ability to be exempted from service.

Two, active efforts to strengthen credit management, keep an eye on the objectives and tasks. Since the beginning of the year, under the leadership of President Zhu, all the staff have made concerted efforts to keep an eye on the objectives and tasks assigned by the Head Office, and Qi Xin has made concerted efforts to achieve certain results. By the end of June, the balance of various loans reached billion yuan, a net increase of billion yuan compared with the beginning of the year, accounting for% of the annual marketing task, and the non-performing loans were cleared by billion yuan, accounting for% of the annual cleaning task;

The balance of personal warehousing and warehousing reached billion yuan, a net increase of billion yuan over the beginning of the year, accounting for% of the annual tasks. At the same time, in the process of handling credit business, strictly implement relevant rules and regulations, adhere to strict customer access, correctly grasp the credit investment, and strictly implement the "new credit regulations" to minimize the risk of credit funds.

Third, go deep into farmers and do a good job of visiting. In order to better expand customers, consolidate the achievements of "sunshine credit", seize the market and do a good job in supporting agriculture, under the leadership of President Zhu, we insisted on going deep into farmers' homes and conducting visits. In order to make the visit work achieve the expected effect, we carefully determine our own "target customers" from the key large households identified in advance in the "Sunshine Credit" work, and combine the list in the "Visit List" to make it targeted, and actively communicate with customers through door-to-door visits and acquaintance introductions to understand their needs and expand in place in time. Through the efforts of all field personnel, by the end of June, we visited docking customers, including corporate customers, individual customers and deposit customers. Ten thousand yuan, is it in place? 1 10,000 yuan, reserved loan account 1 10,000 yuan, and in-place account 1 10,000 yuan, in which the top 100 taxpayers in the county 1 household were successfully expanded and 2 million yuan was successfully granted; Open a new round of cards, corporate online banking accounts and personal online banking accounts, and expand "inline pos" accounts.

Fourth, the research is insufficient, and it is impossible to better carry out the work in the second half of the year. Over the past six months, with the care and support of leaders at all levels of the head office and branches, we have done some work, but compared with the objectives and tasks of the whole year, compared with the requirements of leaders, compared with brother units, there is still a certain gap:

First, pay attention to learning, ignoring the assessment of learning effect, and fail to organize all kinds of credit personnel to take business knowledge examinations regularly;

Second, the off-duty storage work of loan personnel is unbalanced, and there is a big gap between them;

Third, the results of the visit were not satisfactory. Although the visit to the docking surface has reached the scheduled progress, the arrival rate is low. Although some customers have successfully granted credit, the utilization rate of credit is not enough.

Fourth, the recovery rate of loans due in that year is low. Due to the borrower's operating losses, the loan of 10000 yuan was not repaid, and it was overdue in June and has not been recovered so far, resulting in the loan recovery rate of our branch not reaching 99.8%.

In view of the above situation, in the second half of the year, the first step is to urge the credit officers to continue to do a good job of visiting and docking, further expand the results of visiting and docking through visiting customers, and improve the in-place rate. This can not only improve the personal performance of loan officers after class, but also ensure that the bank's annual fund-raising objectives can be better realized. Second, we should continue to pay the overdue payment in June? Ten thousand yuan loan to clean up, and strive to clean up as soon as possible, and strive to achieve no overdue; Third, continue to strengthen the study and assessment of professional knowledge of credit personnel and constantly improve their professional quality.

Chapter IV: Summary of the work of accounting supervisors of grass-roots credit cooperatives.

Summary of Accounting Supervisor's Work in Qiu Wei Credit Cooperative

Over the past year, under the correct leadership of the Party Committee of the Association and the support and guidance of all offices of the Association, the internal management of Qiu Wei Credit Cooperative has closely focused on the working opinions formulated by the Association at the beginning of the year, with the goal of striving for first-class financial institutions, with the aim of consolidating accounting foundation, standardizing business operations, preventing business risks and improving service level, with the means of strengthening business skills and improving work efficiency, and relying on quality service, it has gradually established a customer-centered service concept and displayed a good image of the credit cooperative. With the rapid development of various businesses, the store business has greatly increased, accounting work has reached "six without six", the internal management level has been significantly improved, and the service quality has been significantly improved, basically achieving the goals of strict internal control, standardized and efficient, compliant operation and steady development. At work, we have mainly done the following work:

First, lay a solid accounting foundation and guard against operational risks.

Our company has established a study day system for Grade One, Grade Three and Grade Five, and actively organized all back-office staff to study the operation process of this post repeatedly, requiring each back-office staff to master the operation process of this post skillfully, basically master the operation process of each back-office post, check and fill gaps as planned, unify the operation process, make the counter operation rule-based, eliminate the weak links of internal management such as irregular operation and illegal operation, and prevent all kinds of risks from the source. Further strengthen the internal control mechanism, completely eliminate hidden dangers and loopholes, and move the prevention barrier forward and down to prevent all kinds of economic cases. Under the guidance of the departments and offices of the Associated Press, the internal management level of our agency has been significantly improved.

Two, strengthen the training of learning skills, improve the comprehensive level of back office staff.

With the rapid development of business, the business volume of our agency has increased sharply, and the professional level of counter staff has become the main factor affecting the service level of stores. Since the beginning of the year, we have learned to make a study and training plan for the whole year. The study mainly focuses on books such as accounting and cashier work standards and information technology work standards, and the training mainly focuses on the new employee standards formulated by the Associated Press. Do regular study and regular tests. Check the study notes from time to time, and take the study and test results as part of the back office staff assessment and include them in the performance pay assessment.

Third, hold a good pre-class meeting, gather strength and improve the implementation of the system.

In order to better implement the pre-shift meeting system, insist on arriving at the post 15 minutes in advance every day to hold the pre-shift meeting. At the pre-shift meeting, insist on reporting the post supervision on the last day daily, point out the problems existing in the daily operation of tellers in time, praise the good practices in the work, and convey the spirit of the documents of the Associated Press. At the same time, innovative pre-class meeting mode, hosted by college students and employees in turn every Friday, to talk about their own understanding and experience of the work. By holding the pre-shift meeting, employees' sense of ownership was enhanced, people's hearts were United, understanding was unified, and system execution was improved.

Four, actively cooperate with the ideological education activities of workers, improve the quality of service.

Strengthen the quality construction of employees and establish a good social image. Do a good job in the ideological and political work of employees and establish a sense of risk. Further do a good job in patient and meticulous ideological work, prevent simplicity and rudeness, intensify contradictions, optimize service means, improve service quality, focus on strengthening counter service, continuously strengthen the service consciousness of all staff, enhance service concept, and take a brand-new mental outlook and good industry image.

An elegant and tidy environment welcomes every customer.

Five, regularly carry out safety education, do a good job of "five prevention and one protection".

Organize employees to learn safety knowledge regularly every month, strengthen case analysis and early warning, and regularly adhere to safety inspection, regularly inspect safety facilities, and report and handle problems in time. Improve the internal supervision mechanism, grasp the ideological trends of employees, and take effective measures to properly solve the problems of violation of discipline and law. Organize fire drills and other activities to enrich employees' safety knowledge.

In our daily work, we conscientiously implement the safety duty system. Security personnel should be listed on the post, carefully check the relevant security matters and record them truthfully, supervise the handover of luggage, and register the relevant register in time. The implementation of the safety attendant system makes the staff feel more responsibility and pressure, and truly everyone is responsible for safety!

Over the past year, under the correct leadership of the Associated Press and the joint efforts of all staff, our work has made great progress, but it is undeniable that there are still some problems and difficulties in our work.

First, because the local economy is dominated by agriculture, customers have little demand for short message service, and the development of our short message service is not ideal.

Second, the business level of individual employees is not high, the basic knowledge is not firmly grasped, and they are afraid of difficulties when encountering things, which affects efficiency to a certain extent.

Combined with the characteristics and existing problems of our work, we will do the following work in our work:

First, always regard learning and skills training as an important task to do a good job. Linking the results of study and skill test with the salary of performance appraisal to further stimulate the enthusiasm of employees to learn and practice skills. Pay attention to the business training of new employees and improve their business skills.

Second, increase publicity, further improve the social influence of credit cooperatives, carry out standardized and civilized services, improve the quality of window services, improve the function of external services, strictly implement the procedures, time and flow of various settlement businesses, and strive to improve work speed and efficiency.

Three, increase the publicity of new business, and promote the new development of new business.

The fourth is to implement the pre-class meeting system, innovate the pre-class meeting mode and continuously improve the internal management level.

Five, solidly implement the "security attendant" system, give full play to the role of security attendant, regularly carry out safety education, firmly establish the concept of "security is the sky", and provide a solid guarantee for the steady operation and steady development of credit cooperatives!

Qiu Wei Credit Cooperative

Chapter V: Summary of the safety work of credit cooperatives

Since the beginning of this year, with the rise of financial crimes, the social security situation has become increasingly severe, and security work is also facing greater challenges. In the first half of the year, under the correct leadership of the Municipal Liaison Office, the local public security department and the director's office of the Association, our social security work put people first, put prevention first, implemented the responsibility system for safety prevention, strengthened the construction of safety facilities, intensified inspection and education, and constantly improved the safety prevention system, which achieved safety without accidents for half a year and ensured the smooth development of various businesses of credit cooperatives in the whole region. In the first half of the year, four aspects of safety work were mainly done:

First, implement the safety responsibility system to ensure safe operation.

In recent years, we in the Associated Press have always put safety work on an important agenda. At the beginning of the year, through the investigation of all outlets in the jurisdiction, the investment plan for security facilities this year was determined and implemented step by step. At the beginning of the year, a letter of responsibility for safety and fire protection was signed between the director of the association and the credit union, between the credit union and the outlets, service stations and on-the-job employees, so that the responsibility for safety work was broken down to every outlet, every post and even every employee. Credit cooperatives are also equipped with part-time security guards to strengthen self-monitoring and truly achieve "who is in charge, who is responsible."

Two, strengthen the construction of safety facilities, improve the ability of security.

This year, it is planned to invest 500,000 yuan in the construction of safety facilities, focusing on surveillance videos, cash handling tools, bulletproof glass, etc. In accordance with the requirements of regulatory authorities and public security departments on the risk level of business premises, rectification within a time limit, and strengthen contact with local public security departments and regulatory authorities to do a good job in guidance and coordination. While strengthening hardware facilities, this year, with the care of the director's office and the support of relevant credit cooperatives, two vaults were demolished. At the same time, in order to reduce hidden dangers, escort is standardized. Escort groups are located in two credit cooperatives respectively, and the * * society is responsible for transporting banknotes, and the * * society is also escorting the * * society.

Third, do a good job in safety education and enhance safety awareness.

Recently, criminal cases against financial institutions have occurred frequently in this area, and the social security situation has become increasingly severe. Strengthening safety work is not empty talk, but a major event related to the collective property of credit cooperatives and the personal safety of employees. In order to create a relatively safe business environment, we take some service measures to enhance employees' safety awareness: First, revise the safety operation procedures and distribute them to all posts; The second is to organize economic security officers to conduct a one-day training on fire safety knowledge, and conduct on-site tests and drills. Further improve the operational skills of the escort team and enhance their practical ability; The third is to convey the public security situation and case reports issued by higher banks to credit cooperatives in time, so as to achieve the educational purpose with facts. In the first half of the year, our department spontaneously issued 2 related documents and 5 fax documents, which played a role in sounding the alarm.

Fourth, strengthen supervision and inspection to eliminate hidden dangers.

In addition to routine inspections such as holiday inspections, a major inspection of the implementation of the internal control system was recently organized, and the safe operation and security facilities of various outlets were comprehensively and meticulously inspected. During the inspection, 49 relevant rectification opinions were put forward, requiring rectification within a time limit. Inspection not only plays a positive role in the on-site education of employees, enhances their safety awareness, but also exposes the weak links in management and further improves the management of internal control system.