You mean to write the summary report of Bank of Communications Yuzhou Sub-branch 20 15. Please refer to the following:
In xxxx, our cadres and workers were single-minded and indomitable. Focusing on the principles and objectives set by the workers' congress at the beginning of the year, with more solid work and more powerful measures, we need benefits from management and innovation from service, mobilize all positive factors, overcome difficulties and promote development, and successfully complete all tasks assigned by superiors. The work of the past year is summarized as follows:
First, strengthen credit risk management and always build a strong risk defense line.
By the end of last year, the balance of various loans of our bank was 1 10,000 yuan, of which non-performing loans accounted for%. In view of the fact that collection is difficult, we have taken many measures to strengthen credit risk management and improve collection, and achieved certain results. Mainly achieved the following three points:
(1) Seriously guard against credit risks.
First, give play to the leading role of rating credit management in credit risk control. Check the customer's credit rating in strict accordance with standards and procedures, improve the rating quality according to the requirements of the superior bank, put an end to distortion, truly curb moral hazard and ability risk, and strictly control the "first pass". Secondly, investigators and examiners have always fulfilled their duties. As an important responsible person, directors have strengthened forward-looking research and improved their ability to prevent and control credit risks in advance. All credit officers conscientiously implement the Guidelines on Due Diligence Management of Credit Work, and carefully verify the authenticity and comprehensiveness of information provided in various forms according to the basic requirements of "independent behavior, true information, complete content and accurate conclusion". At the same time, the risk points of credit business are fully revealed, and the director and the director in charge put forward practical risk control measures in time to provide detailed basic information for the subsequent decision-making links and ensure the "second pass". Third, we will continue to implement the credit accountability system, severely deal with those responsible for overdue loans, resolutely deal with those within the scope of authority, and report to superiors in a timely manner if they exceed the scope of authority, asking for treatment, and holding the "No.1 Sandao Pass". The serious handling of illegal credit personnel not only shocked the dereliction of duty of a few illegal personnel, but also played a warning role to the public, effectively prevented and controlled the risks in the whole process of credit business and ensured the safety of credit funds. Fourth, improve the post-loan risk monitoring system in combination with the activities of "Standardization Year of Post-loan Management" carried out by the superior bank. Timely organize all employees to seriously study relevant documents and the spirit of the leaders' speeches of municipal branches, actively and conscientiously do a good job of "combining" articles, do not hide the problems existing in previous credit work, seriously reflect on the situation, find out the gaps and loopholes, and take effective measures to solve the problem of post-lending management becoming a mere formality. At the same time, in the collective study of all employees twice a week, we call on everyone to have a sense of urgency, crisis and hardship, and we should guard against risks. Everyone is responsible for the safe operation of the whole bank, especially the gatekeepers in important positions should earnestly perform their duties, and all employees should strengthen post-loan risk monitoring. This year, on the basis of the assessment methods for credit work of municipal branches, the Bank formulated and improved the previous assessment methods, strictly strengthened the assessment of credit personnel, and required the leaders in charge and credit personnel (account managers) to effectively assume the dual responsibilities of marketing and risk management, clarify the key points of post-loan management, and effectively improve the management level. Focus on strengthening the dynamic supervision of enterprise accounts, the flow of credit funds and the risk status of enterprises, and continuously monitor and report all factors that may cause risks in a timely manner. The director and the person in charge of credit can set an example, be strict and take the lead in credit management. At the same time, we also take various forms to further explore and innovate risk management methods, give full play to the role of risk managers, and further do an extended inspection (know the neighbors of enterprises and individual lenders, insiders of lenders and borrowers, talk with lenders to understand real feelings and first-hand materials, etc.). ) and on-site inspection, and timely supervision of the implementation of the management system, regular risk investigation of key customers.
(2) Actively resolve the risk of stock assets.
Faced with the reality of non-performing assets, the bank attaches great importance to the collection of non-performing assets, and implements the collection of non-performing assets by special personnel, full-time, special vehicles and special fees. After the responsibility is assigned to people, rewards and punishments will be implemented according to the daily progress. In addition to organizing and leading the collection, the director also mobilized and guided other credit post personnel to assist in the collection. The former Wanda account manager who retired before and had a "task" to transfer from the bank called at least once a day to perform his duties and was not afraid of offending people to talk to them. They are strict about discipline and banks. As long as they have the conditions, they will resolutely deduct points. In the high-pressure situation, individual personnel who transferred out and retired credit risk accounts actively cooperated with the collection, and the effect was obvious. For some borrowers who are hard to find, they will copy the principal and interest sheets of the loans owed and send them to their relatives, so that they can give them to themselves within a time limit and take the initiative to repay the loans; In order to increase the collection efforts and encourage all employees to make great efforts to collect, in addition to implementing the collection method of "management to households and responsibility to people", the assessment method for the collection of non-performing assets was formulated and issued on the basis of the assessment method of the municipal bank. For the loss loans and doubtful loans formed before the end of 2005, the principal and interest will be rewarded at 2% and 65,438+0% of the recovered amount respectively; for the new non-performing loans formed in 2005 and 2006, they will be rewarded at 65,438+0% of the recovered amount; and for the non-performing loans written off in case of currency recovery, they will be rewarded at 65,438+00% of the recovered amount. At the end of the year, units and individuals with outstanding achievements will be rewarded again as an important basis for declaring advanced workers. Because the team of the bank attached great importance to it, all the staff went into battle, the method was correct, the measures were effective, and other important ideas were overcome, and various practical and effective measures were taken to increase the collection and disposal of non-performing assets.
Through the above measures, our bank has recovered non-performing loans in the form of money this year, amounting to RMB 10,000. The goal of collecting non-performing loans is getting closer and closer to us.
(3) Preventing operational risks.
First of all, educate all employees to firmly establish the theory of "implementing the system is the first duty, and compliance operation is the first essence of post work", the concept of "compliance creates value", the concept of "everyone is responsible for compliance" and the concept of "active compliance", and create a good atmosphere of "everyone pays attention to risks, always pays attention to risks, and pays attention to risks in everything". Secondly, strictly implement various rules and regulations, and pay special attention to the management of account managers. In addition to implementing various rules and regulations and the Municipal Staff Learning System of Grass-roots Branches, the Bank pays close attention to employees' ideological conditions, conducts a thorough investigation on employees' working and living conditions every month, and keeps abreast of the ideological and behavioral changes of employees such as account managers. Taking the promotion of the superior credit monitoring system as an opportunity, we will write off all kinds of early warning information on time, and find and correct illegal operations in time. Conduct high-density inspection on employees with bad behavior and risk information, immediately adjust their posts or wait for posts, conduct spot checks on borrowers without saying hello, and focus on the whole process of loan issuance and post-loan management. Once problems are found, deal with them in time. Problems and hidden dangers found and exposed in various inspections and spot checks are not afraid of ugliness, nor are they afraid of protecting ugliness. Timely exposure, rapid formulation of rectification measures, and adherence to the "three noes", that is, failure to find out the facts, accountability, implementation of rectification, zero tolerance, and no mercy, have formed a strong spirit in the hearts of all employees. Thanks to the efforts of all staff, the bank's credit and various businesses have developed healthily and made joint efforts to achieve * * * *.
Two, the rapid development of bank deposits, the development of agency insurance is outstanding.
(1) The savings business has developed rapidly.
In xxxx, the bank issued a net increase index of 200xxxx to our bank. However, due to the downward adjustment of bank deposit interest rate, a net increase of 200xxxx yuan a year will definitely not complete the income task. Therefore, at the workers' congress at the beginning of the year, we put forward the goal of completing the net increase of the annual savings balance in the first quarter according to the spirit of the municipal bank documents. At the same time, the collection and assessment of employees have been strengthened, and measures have been taken to reduce the funds in transit to below 0.xxxx, control the cash on hand to below xxxx, and speed up the repatriation of funds, so as to increase the gold content of savings balance and increase savings income. In the first quarter, our savings business was the best in years. As of March 20th, the accumulated balance reached RMB 365,438+77xxxxx, and the allocated funds reached RMB 85xxxxx, exceeding the planned targets issued by the municipal bank and being praised by the municipal bank. But in the second quarter, we held an insurance promotion meeting, and more than 8xxxx of the 42xxxx premium came from bank savings. In addition, April and May are the planting season in rural areas and the peak period for spending money. It is very difficult to maintain the growth of bank reserves in the first quarter. Therefore, the leaders of the bank held several meetings to call on employees to do a good job in savings business. Through the joint efforts of cadres and employees of the whole bank, as of June 20, the bank reserve increased by 3%. In the third quarter, we stepped up the development of savings business. By the end of1October 20th 165438, the bank had achieved a net savings balance of 656xxxx and completed the annual plan of 182 xxxx, setting a new high for the bank's net savings balance.
(2) The development of agency insurance is outstanding.
Bank insurance agency business is the key business of bank finance to implement strategic adjustment, and it is an effective means to avoid financial risks, adjust business structure and realize diversified operation. 2006 is a crucial year for the insurance agency business to become scientific, mature and sustainable. According to the Opinions of Bank of China on Accelerating the Development of Insurance Agency Business in 2006 and the requirements of provincial and municipal banks, the bank regards agency insurance as the entry point to expand and strengthen its agency business, makes full use of the advantages of bank network resources, strives to open up rural markets and major customer markets, and actively cooperates with many insurance companies such as Ping An and Life Insurance to jointly carry out various marketing and publicity activities, which has achieved good results. In order to do this work well, we have held three meetings on insurance business development, formulated practical incentive measures for business development, invited lecturers from municipal life insurance companies to give lectures on insurance business development experience, and learned from the successful experience of Liaoyang County Bank in holding insurance promotion conferences. On April 29th, we held the insurance promotion meeting of "Hongtai Na Xiang, Green Clothes Give Love", which realized the premium of 42xxxx yuan, exceeding the original target of 30xxxx yuan, and achieved the expected effect, providing a reference for future insurance business. There are 1xxxx savings units and 6xxxxx individuals participating in this promotion meeting. For this promotion meeting, the employees made a lot of sacrifices and made a lot of efforts. This also shows that we are a very United group and a particularly capable team.
(3) Other businesses have developed rapidly.
In accordance with the principles of equal consultation, complementary advantages, mutual benefit and common development, we will actively explore the field of joint development, seek all-round cooperation with enterprises and institutions such as telecommunications, mobile, China Unicom and insurance, and vigorously develop intermediary business. In May of this year, the sales of the bank's Netcom prepaid cards achieved rapid development, and sold more than 5xxxx yuan in just one month.
Third, other work is progressing smoothly.
(1) A variety of amateur cultural activities for employees.
We insist on combining festivals and anniversaries with the central work of enterprises, and actively organize various cultural and sports activities that are beneficial to the physical and mental health of employees. This year, our bank held a knowledge contest for employees on Women's Day and May Day holiday, so that employees can keep a good learning momentum after work. On July 1 day, we also held a tug-of-war race for workers and a four-person running race. During the 11th Five-Year Plan period, trade unions organized staff sports meetings (volleyball and basketball competitions). Party and government leaders and more than 100 members participated in the competition and finally won the first, second and third prizes. These activities are arranged in an orderly way from organization to preparation, and all units have given strong support. The activity was a complete success, which fully mobilized the enthusiasm of employees, improved work efficiency and inspired the love of employees.
(2) Various labor competitions are carried out in a variety of ways.
In order to better mobilize the enthusiasm of employees to develop their business, this year, the trade union actively cooperated with the administration to do a good job in labor competition activities around the central task of the enterprise. In February, the Bank launched a labor competition for savings business and a labor competition for foreign exchange business, which promoted the rapid development of the Bank's savings finance business and enabled the Bank to complete the annual savings balance net increase plan in the first quarter. In March, we launched the solicitation of major logistics customers and the theme marketing competition of off-site registration business, which laid a good foundation for the development of our logistics business and agency business. In order to promote the better development of new business, we have also formulated incentive policies for the development of insurance agency business and Kahala business to diversify our business. Through the development of these competitions, our business development has achieved remarkable results and exceeded the tasks assigned by the municipal bank.
(3) Strengthen the construction of facilities.
In order to beautify the environment, create good office conditions and establish a good social image of the bank, the bank has successively installed large-scale famous brands for 1xxxx sub-branch, replacing the famous brands of small banks, savings cards, business hours cards, agency business cards and commission cards with 5 1 piece, and introduced nearly 20 buttonwood trees and fruit trees.
In order to make the business distribution of our bank more reasonable, after auctioning the original XX branch this year, we bought a new business outlet in XX Garden, which is now open to the public, which not only facilitates the relevant users to use silver, but also will bring greater economic benefits to our bank.
Through the joint efforts of cadres and workers, although some achievements have been made, there are still some gaps and problems. Its main performance is that the marketing system is not perfect enough, the market development is not strong enough, and some new businesses need to be further developed. Second, the business development is unbalanced, and the basic business is still in a downturn. The development of personal loan business is slow, and the proportion of fixed deposits has accounted for more than 78.xxxx, which may bring future troubles to the future development of enterprises. Third, management and service need to be further improved, and the problem of weak management awareness still exists. Management should be strengthened, services should be improved, especially the types of work for foreign service should be strengthened. This problem has a certain negative impact on our development. Next year, we will seriously reflect, start from ourselves, overcome shortcomings, carry forward achievements, think about enterprise development, and strive for substantial changes next year.