Time goes forward step by step on the annual ring, and a period of work has ended. Looking back on our work during this period, we have gained a lot. Let's sort it out and write a work summary. So how do you sum up your works and write new tricks? The following is a summary of my personal work in rural credit cooperatives for reference only. Welcome to reading.
Summary of Personal Annual Work of Rural Credit Cooperatives 1 Over the past year, under the correct leadership and guidance of the county association, the town party committee and the town government, our credit cooperatives have conscientiously implemented the party's financial policies, deepened financial reform, strengthened management and improved service quality, and basically achieved various task indicators. As of June 12, the balance of various deposits was 63.08 million yuan. Compared with the beginning of the year, it increased by 165438+ ten thousand yuan, the balance of various loans was 50.63 million yuan, the accumulated loans were 60.98 million yuan, the accumulated loans were 58.65 million yuan, the total financial income was 5.08 million yuan, and the total profit was110400 yuan. It presents a good situation of steady business development, reasonable capital operation, good economic benefits and remarkable achievements in civilized construction. The work of the past year is summarized as follows:
First, persist in learning and improve the quality of all staff.
The times are progressing and the society is developing. Only by establishing a high-quality staff can we survive and develop in the increasingly competitive financial industry. The fundamental way to improve the quality of the team is to study politics and professional knowledge persistently. To this end, according to the arrangement of the Associated Press, the Party Committee and the town government of small villages and towns, we have organized all employees to carry out study and education activities in combination with the actual situation for many times. The main contents of study are: security, savings, credit, accounting and cashier. We also often organize employees to study business department documents, newspapers and magazines and financial regulations and policies. Learning and teaching activities are carried out vividly, so that there are arrangements and summaries. Through these activities, the party discipline, political discipline, concept of law and discipline and professional skills of the cadres and workers of credit cooperatives have been improved, the ideological concept of the cadres and workers has been significantly improved, political progress has been made, and discipline has been enhanced. Everyone consciously abides by the law, is diligent and honest, and promotes the steady operation of credit cooperatives with high-quality service attitude.
Second, serve in a civilized way and create a good public image.
Credit cooperatives are a window industry. Our agency shoulders the work of "agriculture, countryside and farmers" serving "one town and four townships". In terms of quality and civilized service, we adhere to the development policy of "serving the society and developing the industry in a civilized way" and actively carry out civilized activities such as establishing a good public image. First, standardize the use of civilized language, especially telephone civilized language. The second is to implement the reception system for old customers and key account directors, and explore the service concept of "helping people with emotion, giving people with wisdom and helping people with loans" (that is, helping people with true feelings, helping people with ideas and helping people with appropriate loans). The third is to improve and beautify the business department building and the business halls and offices of branches, and improve the service environment. The convenience facilities such as chairs, sofas and reading glasses have been added to the business halls and offices of various business outlets, and the walls are decorated with civilized systems, civilized service promises, civilized terms, interest rate boards, civilized post supervision desks and other services, which are convenient for customers and warn employees; Indoor, corridor and office are decorated with craft bonsai flowers. It has created a beautiful, elegant, clean and warm service environment and established a good service image. Fourth, improve the management system of the club, manage and restrain people with the system, and make attendance at work, leave registration, work record, study record, assessment cash, and work orderly. Through these efforts, we have created a good social image and won universal praise from all walks of life.
Third, in order to meet the urgent needs of farmers, we should try our best to raise funds to support the production of spring ploughing and summer grain in this region.
Although the total amount of social deposits in China has been increasing in recent years, due to the extensive support of our society, the existing funds are still difficult to meet the demand for loan funds, especially during the spring ploughing period, the financial strength and credit strength of the whole society are relatively insufficient. In order to ensure that farmers do not miss the farming season, our agency allocated 3.5 million yuan to the credit cooperatives in time to support agriculture, and also organized personnel to go deep into the village to investigate agricultural production and understand the key points of supporting agriculture. By the end of February, 65,438+,our agency had issued a total of 60.98 million yuan of loans, including 56.26 million yuan of agricultural loans, accounting for 92% of the total loans granted to farmers. 26%, supporting 7,529 farmers, with a coverage rate of over 58%, which basically solved the agricultural production funds urgently needed by farmers in spring ploughing and summer sowing, and played a positive role in promoting agricultural and rural economic development.
Fourth, actively cooperate with the preparatory working group for the reform of the Associated Press, and do a good job in repaying loans on old shares and issuing new shares.
According to the spirit of the document on the establishment of a first-class legal person in the reform of county credit cooperatives this year, the working group for the reform and preparation of county credit cooperatives is deployed. Our company has retired the old shares 14029.44, with a total of 6547 households, accounting for 14029.48+0 yuan. 924 households that cannot be retired, accounting for 1505.23 yuan. Raise 286XX yuan of natural person shares and 396,000 yuan of employee shares. Strongly support the progress of the reform work.
Five, strengthen the internal control system, pay attention to safety work.
In XX years, according to the work arrangement of the county association and relevant departments, our company fully implemented various safety precautions and comprehensive management measures, eliminated all kinds of safety hazards, and ensured the safety of our company without accidents.
In order to improve the preventive ability, with the consent of the county association, we renovated the comprehensive building purchased this year and moved into business in August. We also renovated the business premises of Johor Bahru Branch, installed bulletproof glass, made necessary improvements to Toyo Society, demolished old lines and installed security doors. The security capability of our organization will be fundamentally improved. So as to further enhance our defense capability.
In a word, looking back on the past year, our society has achieved good results and basically completed its tasks, but there are still many problems to be solved urgently in our work. Such as unstable deposits, insufficient funds, difficulties in collecting loans from the original foundation, and credit management. Therefore, the focus of work in XX year is: First, continue to increase the collection of deposits and increase the total amount of deposits; Second, continue to increase the collection and vitality of non-performing assets. Third, strengthen the management of overdue loans, further raise interest rates, strive to reduce the proportion of non-performing loans every month, and improve the utilization rate of funds. The fourth is to do a good job in agricultural loan investigation and prepare for spring ploughing production funds. Fifth, strengthen the management of write-off loans, change the traditional concept, and issue the task index of collecting and writing off loans to all credit personnel, which is linked to the personal benefit award; Sixth, continue to strictly control expenses to ensure the completion of XX years' work tasks.
Summary of Personal Annual Work of Rural Credit Cooperatives 2 Since the beginning of this year, under the correct leadership of social leaders and cooperative leaders, with the help and support of comrades, we have conscientiously studied the Party's principles, lines, policies and financial laws and regulations, and our political quality and professional skills have been greatly improved. I can strictly implement various rules and regulations in my work, adhere to the principle of being meticulous, and complete various tasks with good quality and quantity. Looking back on my work in the past year, I want to summarize my work as follows.
First, strengthen study and improve political and ideological awareness and professional skills.
In order to improve my political quality and professional skills and quickly adapt to the needs of financial work in the new era, I actively participated in various studies organized by the associated press and society, insisted on self-study, especially in this year's "quiet phenomenon" discussion, studied hard, took notes, wrote experiences and made a summary, which improved my political and ideological consciousness and entrepreneurial responsibility and professionalism. In practical work, I am strict with myself, strive to stress principles on major issues, stress style on minor issues, treat comrades sincerely and do a good job together. While continuing to learn politics, we must also strengthen our business knowledge. Ask for advice on difficult problems in practical work, learn from comrades around you, and often find some magazines and books of rural credit cooperatives to study persistently. With the continuous enrichment of political nutrition and commercial nutrition,
Two, vigorously organize deposits, enhance the image of credit cooperatives.
As we all know, deposit is the basis for the survival and development of credit cooperatives, and it is also an important source of funds for supporting agriculture. Only by vigorously organizing funds can we improve the strength and social credibility of supporting agriculture. First, I often come to the door for service. No matter the amount or the distance, I will handle the business for the depositors as long as they say so. Build a network, make full use of the radiation of classmates, friends, relatives and neighbors, and open up storage sources through various forms. When one person works and the whole family helps, the whole family becomes an amateur warehouse keeper. Third, he is diligent and often travels between villages and towns. As soon as any unit or individual they know hears that they have abundant funds, I will do my duty to be a good propagandist of rural credit cooperatives and publicize their service purposes and preferential policies. This year's saving contest saved 200,000 yuan, accounting for 200% of the 65,438+10,000 yuan task.
Third, enhance market vitality and improve the quality of credit assets.
Revitalizing non-performing loans is the focus of our work this year, but it is also difficult. In recent years, lenders have a weak sense of law, a poor sense of repayment and a serious idea of default. Revitalizing funds has also become a long-standing problem in our work. I use various policies to do the ideological work of borrowers well. I think: only when the borrower has a clear understanding, the concept has changed, the understanding has improved, and the enthusiasm for repayment has also improved. In order to facilitate the collection of loans and interest, I put the borrower's situation into a book, try to collect and sort out the family situation, economic situation and neighborhood relations, and often go deep into the borrower's and relevant parties' homes to do ideological work and publicize policies and regulations.
In this year's "double decline" of non-performing loans, I joined Tianxiang as an activist according to the arrangement of the society. At that time, it was autumn harvest season. In order to activate this part of the loan as soon as possible and reduce the non-performing loan rate in our society, Tian Xiang and I get up early and get greedy, and use three meals to collect the loan from the borrower's home. We have carried forward the style of fearless, indomitable and continuous fighting. Only in the month of 965438+February, the NPL of 1 10,000 yuan was revitalized, and the NPL decreased by%.
Four, marketing loans, do a good job in the issuance of credit cards, and do a good job in the next issuance plan.
In August this year, the Associated Press launched the loan credit card business. In the marketing of credit cards, together with the village leaders of three villages, I conducted a serious investigation and screening of farmers in the village. In contrast, I am enterprising and lack of innovative consciousness. In the new year, I will strengthen the continuous study of politics and business, make a good work plan for 20xx, unite with comrades, be brave in innovation, carry forward achievements, learn lessons, learn from comrades around me, learn from each other's strengths, enhance my working ability, be a qualified credit cooperative employee, and make greater contributions to the reform and development of rural credit cooperatives.
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