Ten Highlights of Sanmenxia Branch of Henan Rural Credit Cooperatives in 2009

Highlight 1: the business philosophy is constantly updated, and all-staff marketing is fully rolled out.

In view of the actual problem of excess liquidity of rural credit cooperatives in our city since the financial crisis, the office of rural credit cooperatives in our city, after full investigation and brewing, has organized and implemented microfinance marketing among all employees of rural credit cooperatives in the city since May, calling on all eligible cadres and employees of rural credit cooperatives in the city to market working capital loans for urban and rural residents, housing loans, consumer loans and individual industrial and commercial households in accordance with the prescribed loan procedures. Up to now, the city's rural credit cooperatives have a total of 1.247 employees and 38 1.8 marketing loans with an amount of 409 million yuan. By carrying out all-staff marketing loan work, not only the efficiency of capital use has been improved, but also the "two changes" in business philosophy and service mode have been realized: credit service has changed from "waiting for customers at the door" to active marketing, and loan issuance has changed from the power of a few people to the responsibility of many people.

Highlight 2: Credit supply has increased and social contribution has been increasing.

Focusing on the overall situation of "expanding domestic demand, ensuring growth, restructuring, ensuring people's livelihood and stability", the city's rural credit cooperatives have carried out "Year of Enterprise Service" and "Year of Project Construction" in depth, adhered to the guidance of Scientific Outlook on Development, actively implemented moderately loose monetary policy, continuously increased effective credit supply, strengthened innovation in financial products and service methods, and increased credit support for basic agriculture, characteristic agriculture, agricultural industrial cluster construction and farmers' professional cooperatives. At the end of the year, the rural credit cooperatives in the city added 970 million yuan and 654.38+77 million yuan of agricultural loans to 37 key projects. 295 key enterprises added 423 million yuan in loans. Through the effective investment of credit funds, it has helped "agriculture, rural areas and farmers" and small and medium-sized enterprises to solve practical problems in time and improved the pertinence and effectiveness of services. At the same time, farmers are urgently needed, and loans of more than 40 million yuan are put in time to help farmers fight drought. Handle all-in-one passbook for farmers, and timely distribute 654.38+0.4 billion yuan of direct grain subsidies to more than 380,000 farmers in 74 towns and villages in the city to ensure the timely payment of subsidies for benefiting farmers.

Highlight 3: Deepening the reform, constantly breaking through, and constantly changing the operating mechanism.

The pace of joint-stock reform of county-level cooperatives was accelerated, the first rural commercial bank was successfully opened, and the pace of system reform of four county-level cooperatives was steadily advanced. Accelerate the pace of personnel system reform, further improve the corporate governance structure of county-level rural credit cooperatives, and openly select three directors 1 person, deputy directors 1 person and deputy directors for the city's rural credit cooperatives system through the procedures of issuing announcements, organizing written examinations, democratic recommendation, interviews, organizing inspections, reporting to the provincial party Committee for research, publicity, qualification approval and elections. It has accelerated the pace of salary reform and stimulated the vitality of enterprises. Completed the overall transfer of old-age care, ensuring the interests of units and employees.

Highlight 4: Financial products are constantly innovating and service means are further optimized.

The city's rural credit cooperatives have further intensified the innovation of financial products and service models, and carried out innovations in loan guarantee model, venture loan model and financial service model, which have made great innovations in business philosophy, business strategy, loan varieties, simplified loan procedures, loan guarantee forms, loan interest rate pricing, loan risk prevention, and improvement of financial service quality and efficiency. At present, more than 20 innovative credit products have been launched, which has diversified product types and service targets and further improved the coverage of rural financial services.

Highlight 5: Internal management is more scientific and risk prevention is more detailed.

Strengthen internal management, strengthen supervision and investigation, strengthen internal control construction, and enhance system execution. At the same time, the supervision of rural credit cooperatives at all levels within its jurisdiction has promoted the accounting cashier management to reach the standard and improved the management ability. Pay unremitting attention to security work, build an iron wall for the steady operation of rural credit cooperatives, and exchange the experience of security work of rural credit cooperatives in the province. Innovate the means of audit supervision, increase the intensity of audit supervision, find problems in time and plug loopholes. Carry out the activity of "looking back on the special treatment of cases", implement the responsibility system for maintaining stability through letters and visits, do a good job in investigation, properly resolve and eliminate unstable factors, and realize safe operation without accidents.

Highlight 6: Scientific and technological innovation escorts, and information construction promotes business.

Continue to upgrade the integrated business management system, and complete the construction, popularization and application of credit management system, risk early warning system, short message service platform, fiscal and taxation treasury system and payment and settlement auxiliary system; Promote the online fingerprint authentication system and start the demonstration and project establishment of the electronic commercial bill trading system; The online official document approval and issuance system, teller sign-off real-time monitoring system, network short message monitoring system and business report system are developed. This paper introduces a new front desk counter system "counter cleaning" based on "data concentration" mode.

Highlight 7: ATM machines are everywhere, and POS machines can be seen everywhere in urban and rural areas.

Optimize the acceptance environment of Jinyan card, carry out credit card competition, increase publicity, promote preferential and convenient policies for Jin Yan card, and speed up the deployment of POS and ATM machines. By the end of 1 1, the city's rural credit cooperatives had deployed 2 18 POS machines and 22 ATMs, realizing the modernization, informationization and scientificity of financial services.

Highlight 8: The cultural and sports activities are rich and colorful, and the team cohesion is constantly enhanced.

Organize cultural and sports activities on major festivals to cultivate employees' sentiment. The office of the Municipal Rural Credit Cooperatives, the Propaganda Department of the Municipal Party Committee and the Municipal TV Station jointly held the Lantern Festival TV theatrical evening of "Brilliant Rural Credit Cooperatives". On the eve of the National Day, outstanding programs were selected to participate in the cultural performance of the province's rural credit cooperatives to celebrate the 60th anniversary of the founding of the People's Republic of China, and won four awards. Organize and carry out outward bound training. The Municipal Rural Credit Cooperative Office and the Hubin District Rural Credit Cooperative Association organized more than 200 employees to carry out three-day outdoor development training, which strengthened the employees and tempered their will. For the first time, I organized a delegation to participate in the Sixth National Games. Fifty-six athletes were selected to participate in the 6th Sanmenxia Games, and won 3 gold medals, 4 silver medals, 5 bronze medals and 8 individual prizes. They stood out from the 47 delegations participating in the municipal group, and achieved the good results of the fifth total score and the sixth group, which showed the people of the whole city the good style of the employees of the rural credit cooperatives to be brave in fighting and always strive for the first place, and embodied the positive and healthy mental outlook and harmonious team spirit of the employees of the rural credit cooperatives.

Highlight 9: Better business skills and improved overall quality.

Since March, the safety skills training contest and business skills contest have been organized, and the business skills selection contest was held again in June 5438+ 10, which promoted the employees of the city's rural credit cooperatives to study hard and ensured the business skills to a new level. Various functional departments of the Municipal Rural Credit Cooperative Office organized various business trainings, which met the needs of all levels and positions, guided young employees to be diligent and eager to learn, and some of them have grown into business backbones, further promoting the overall quality and combat effectiveness of the team.

Highlight 10: Work style has been strengthened and social image has been gradually improved.

Strengthen the construction of work style, carry out democratic appraisal of political style and people's satisfaction with grass-roots station selection activities. The corporate culture was promoted, the outdoor image was unified, and the highlight work attracted the attention of major media. The second edition of Sanmenxia Daily published twice the main achievements of rural credit cooperatives in supporting small and medium-sized enterprises and local economy. Sanmenxia TV station, public channel and radio station respectively publicized and affirmed the main achievements of rural credit cooperatives in our city in establishing "loan service center", promoting sunshine loans and serving the society, and improved the recognition of rural credit cooperatives by all walks of life and the public.