The hard work is over. During this time, I believe that everyone is facing many challenges and has gained a lot of growth. So make a summary. So, have you mastered the format of work summary? The following is a short summary of the work of the credit department that I compiled for you. Welcome to reading. I hope you will like it.
Summary of the work of the Credit Department 1 20xx, the Credit Management Department conscientiously implemented the spirit of the 20xx work conference of the sub-branch, closely focused on the various arrangements and requirements of the sub-branch, and took institutional reform as the driving force to further improve the incentive mechanism, clarify departmental responsibilities, improve execution and strengthen risk management. The work in the first half of this year is reported as follows:
I. Overall situation of work in the first half of the year
(1) credit management
1. Basic situation of credit operation. 20xx data at the end of June show that the balance of local and foreign currency loans of the Bank was billion yuan, an increase of billion yuan compared with the beginning of the year; Customers who have accepted the bank draft 1 account, and the acceptance balance 10000 yuan; The lending rate of outstanding customers reached 100%.
2. According to the requirements of the Notice on Doing a Good Job in Monitoring and Reporting Credit Risks of Loan Customers in Key Industries issued by provincial branches, the head office and branches of the Bank focus on monitoring corporate customers, and our department urges the heads of business departments of the company to investigate and understand the industrial policies, market changes and production and operation of enterprises every quarter, collect the latest financial statements of enterprises, and analyze and report the credit risk reports and monitoring forms of loan customers in key industries.
3. The credit management and sub-authorization management systems are well implemented. Our department strictly implements the relevant provisions on the management of sub-authorization, and does not approve and review loans beyond its authority. The loan review and the operation of the loan review meeting all meet the requirements of relevant systems. In this year's internal and external inspection, no related problems were found in the newly issued loans.
4. The loan review department separation system and the loan review meeting system were well implemented. In the first half of the year, the credit department standardized the process of issuing new loans, set up a loan review post, and strictly controlled the review to ensure the integrity and superficial standardization of credit information. Organize the loan review meeting in time, * * * held three loan review meetings and reviewed three projects, * * * involving RMB 10,000 and USD 10,000. Among them: review the existing credit business with a line of RMB 10,000; RMB domestic performance guarantee, with an amount of RMB 10,000; Foreign-related performance bond, amounting to $ billion. All credit matters were reviewed in accordance with the prescribed scope, and daily work such as meeting minutes and sorting out meeting minutes was done well. The information of the loan review meeting is complete, and the review is standardized and efficient.
5. Strictly review the legal effect of credit business and loan contract. Legal review of the loan object, loan purpose, loan interest rate, loan method and loan contract, focusing on whether the guarantor who provides guarantee for the secured loan has the guarantee qualification and guarantee ability, whether the mortgage rate of the mortgage (pledge) reaches the specified proportion, and whether the mortgage (pledge) has gone through legal and effective registration procedures and is included in the post-loan management inspection.
6. Do a good job of risk warning. According to the detailed rules for the implementation of daily early warning of sub-branches, data should be checked every day, and early warning should be carried out irregularly. For loans due every quarter, a loan due notice should be sent to the front desk department to urge the account manager to recover the loans due on schedule. In the first half of the year, 8 reminders were sent and 2 reminders were sent for credit business.
7. Strengthen post-loan management. As required, the branch held an analysis meeting on post-lending management business, and made a post-lending management plan on a household-by-household basis.
8. Carefully identify and screen potential risk customers. According to the documents and system requirements of provincial branches, accurately grasp the core definition of potential risk customers and reasonably determine the list of customers that the Bank withdrew in that year.
9. According to the requirements of the provincial branch, complete and report all the work in the promotion stage, the work dynamics of the basic management of each business line of the branch and its own performance on time.
(2) Improve the regular meeting system of post-loan management and constantly improve the basic management of credit.
In order to further strengthen post-lending management, since the Head Office issued the Measures for Post-lending Management of Banks in 20xx and officially launched it in 20xx, the leaders of the Bank have attached great importance to it, organized front-desk account managers to seriously study the provisions of the Measures, deeply understand and understand the new contents and requirements such as the post-lending management meeting system, and truly implement them in daily credit management, strictly implement the provisions of the Measures, strengthen the sense of responsibility of account managers, and strengthen the responsibility of account managers. Two regular post-loan management meetings should be held in the first half of the year, and two regular post-loan management meetings have been organized in strict accordance with the requirements to * * * review the company's customers and loan balance 1 100 million yuan; Review individual employment personal loan customers and review the loan balance 1 100 million yuan. Review individual housing mortgage customers and review loan balance 1 100 million yuan. Centralized deliberation through regular meetings;
First, check and urge the front and back offices of credit to earnestly perform their post-loan management duties, conscientiously implement the provisions of post-loan management, gradually improve the requirements of customer classification management mode, and effectively improve the management level of key customers;
Second, implement the post-loan management responsibility of account managers to customers, and strengthen the supervision of customers, risk classification, guarantors and collateral, regardless of the credit line size and management difficulty of customers;
Third, further understand the customer's operating conditions, financial analysis and development prospects in a certain period of time, the risk changes of our credit business, the risk monitoring found by on-site inspection and online monitoring, and the risk early warning of risky customers, so as to improve the response speed of account managers to risk early warning information;
The fourth is to highlight the key points of post-loan management, enhance the pertinence of management, ensure the effectiveness of risk control and improve asset quality.
(3) Do a good job in risk management in an all-round way and strengthen online credit monitoring.
1. Strengthen online monitoring of credit. Account managers, system administrators and risk managers will monitor online "double-line", pay close attention to major customer credit events, regularly analyze customers' post-loan risk status, write post-loan management reports, do a good job in classification, actively play the role of post-loan management subsystem as the main tool for post-loan management operations, and effectively prevent credit risks.
2. According to the arrangement of provincial branches, our department comprehensively promoted the rectification of problems found by centralized audit of the Head Office in accordance with the schedule requirements. By the end of June, the rectification rate was 100%, which ensured the timely completion of the rectification work.
3. Earnestly perform the duties of the Risk Management Committee Office, clarify the post responsibilities of the risk manager, give full play to the role of risk and internal control positions, collect risk information of all lines, conduct analysis and research, hold regular risk management meetings in time, and submit a comprehensive risk analysis report of the whole bank in the first quarter of 20xx.
4. Timely and accurately complete the risk classification of corporate customers in the first quarter of 20xx, and ensure that the classification results accurately and objectively reflect the risk status of customers.
(4) Conscientiously implement the responsibility system for building a clean and honest government.
According to the requirements of the sub-branch, party member organized and studied the provisions, effectively strengthened the cultivation of party spirit and the construction of work style, raised the awareness of honesty, self-discipline and consciously accepting supervision, and further strengthened the construction of work style.
Second, the existing problems
Although some work has been done in the first half of the year, there are still some problems that cannot be ignored, including the following:
(A) the quality of the post-loan management plan is not high.
In the first half of the year, the provincial branch conducted an online inspection on the online performance of corporate customers' post-loan management and the entry of financial statements in 20xx 1 quarter. Through online inspection, it is found that although there are post-lending management schemes for credit customers managed by account managers, the quality is not high, some post-lending management schemes are incomplete, and even post-lending management reports are used instead of post-lending management schemes, so the entry rate of post-lending management schemes is low.
(two) the credit funds are not tracked in time after use. After the borrower used our credit funds, the account manager failed to track the use of credit funds in time and failed to fill in the payment heel.
(3) Regularly check the account books of the account funds, and the progress and quality of the on-site inspection by the account manager are not high. Although the monitoring ledger has been established for the enterprise, 4 households failed to maintain the monitoring ledger in time, and 1 household is incomplete; The number of on-site inspections should be 5, and the number of actual inspections should be 3.
(d) The review of customers at regular post-loan management meetings was not kept in the system.
(5) Financial statements should be entered into 5 households, but they were not actually entered.
The existence of the above problems, the main reasons:
First, the connection with the superior business departments is not good enough, which leads to a large gap in some work and insufficient understanding of the importance of post-loan management;
Second, as a functional department, the supervision and implementation of post-loan management at the front desk is not in place;
Third, the understanding level of various rules and regulations is still insufficient, especially the understanding of new business is not deep, which leads to weak links in the operation process.
Summary of the work of the Credit Department 2 In the first half of the year, the credit business department of the company took development and stability as the overall situation, conscientiously implemented the spirit of the company's board meeting, and established the enterprise spirit of "diligence, pioneering, pioneering and innovation" in line with the purpose of "serving agriculture, countryside and farmers". Firmly establish the idea of maintaining stability and promoting development, highlight risk prevention, control credit review, strengthen supervision, promote management, continuously improve the level of operation and management, effectively play the leverage role of credit services, continuously improve the level of credit management, and promote the healthy development of business operations.
I. Main operating conditions
In the first half of the year, the overall operation of the company:
As of June 30th, 20xx, 224 * * * loans have been issued, with an amount of 6.5438+0.4484 million yuan, including 654.38+0.2 * * loans, 27 * * mortgages, 6.6 million yuan and 654.38+0.68 credit loans, with an amount of 76.6 million yuan. The accumulated loan 1 12 * * * is 54.85 million yuan. As of June 30th, 20xx, the loan balance was 89.99 million yuan. Among them, 8 corporate loans * * * amount17.93 million yuan,1/0 mortgage loans * * amount 2.36 million yuan, 84 credit loans * * amount 38.85 million yuan, and 9 secured loans amount 30.85 million yuan.
Second, the main practices
(1) Strengthening credit supervision and management and preventing credit risks are the top priorities of all business work. The quality of credit assets directly affects the survival and development of the company. In order to prevent credit risks, in the first half of this year, we strengthened the review and supervision of loan issuance to ensure the safety of credit assets.
First, strictly control the quality of credit.
First of all, seriously implement the credit management system, carefully review the loan information, focusing on the basic elements, subject qualifications, credit policies, credit risks, etc., to ensure a good loan review. In the first half of the year, a total of 258 loans were reviewed, with the amount of 1.224 million yuan. * * * Eight unqualified loans were returned, amounting to 3.6 million yuan. Secondly, actively implement the personal credit audit system. Check the personal credit report, and refuse to issue loans to customers with abnormal and bad records. This year, * * * returned 26 loans that did not meet the loan conditions, amounting to 3.8 million yuan.
The second is to strengthen post-loan management inspection.
First of all, we should implement the "three inspections" system, so that every employee can do things according to the correct thinking on the basis of the company system. Adhere to the prevention of loan risks first. After the loan is issued, every loan should be carefully investigated, reviewed and inspected in accordance with the contents, requirements and procedures of the "three inspections". Our department should do a good job in pre-loan investigation, in-loan review and post-loan inspection. As far as possible, follow up and pay a return visit to the loan households, and check the loan use, operation and debt service of the loan customers.
Third, strengthen the supervision of large loans.
(2) Increase service entrepreneurship and serve agriculture, countryside and farmers.
The borrower, villagers in xx and xxxx groups, applied for a loan of RMB100,000 yuan from our company for the development of pig raising and chicken raising. The credit department immediately went to the countryside to investigate and confirmed that the borrower xx and xx Group had signed a farming sales agreement. At present, there are 500 live pigs in stock, with more than 1000 live pigs 1 000 and chickens 1 000 annually. Xx chicken is a rare breed and has a broad market prospect. The purpose of the borrower's loan is to expand rural aquaculture production, which is also in line with our company's purpose of serving agriculture, countryside and farmers. After full investigation and understanding, we gave him a loan within two working days, which reflected the fast and efficient work efficiency of our company.
The borrower xx, a resident of xx Town, applied for a loan from our company for starting a business100,000 yuan. After investigation, the credit department learned that the borrower xx is going to put into production the first automatic dishwasher assembly line and automatic towel disinfection assembly line in xx county. * * * Need to invest more than 300,000 yuan, and there is still a funding gap of 654.38+10,000 yuan. After sufficient market research, we thought that the project had market potential and conformed to our purpose of serving the enterprise, so we gave him a commercial loan. By the end of June, the company had issued 93 loans to farmers with a total amount of 47.49 million yuan.
Three, strengthen learning, and constantly improve the professional quality of the credit department.
In order to meet the needs of the company's deepening reform, it is urgent to improve the professional quality of employees in the credit department. In March this year, the company organized a lecture on credit and risk knowledge, which further clarified the operational factors that should be paid attention to in the legal review of loans and the rules and regulations of credit management, and improved the awareness of laws and regulations and risk prevention.
Fourth, the problems existing in the current work
(A) the credit department is negligent in post-loan management. Generally, attention is paid to pre-loan investigation but not to post-loan management, which is limited to the collection of loan interest.
(2) Lack of innovation. The awareness of development and innovation is not strong, loan marketing is not strong, and publicity is not in place.
(C) The implementation of the credit management system is not strict enough. The implementation of the loan "three checks" system is still not in place. The annual intermediate NPL collection progress is slow, and the collection measures are still not flexible enough, which needs further improvement and perfection.
Verb (abbreviation for verb) the direction of future work
As a credit management department, it has a great responsibility. We should fulfill our duties, fulfill our post responsibilities, effectively solve the problems existing in credit management, and lay a good foundation for the establishment of village banks in the future.
In short, the credit management in the first half of the year has made some achievements, but there is still a certain gap with the company's requirements. We should constantly sum up the shortcomings in the past work, constantly improve the previous shortcomings, and improve them in the new work. We will continue to work hard to do our job well in the future.
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