After the efforts in the first half of the year, we have made some achievements in corporate governance and marketing, which has made a good start and laid a good foundation for the work in the second half of the year, but the market competition in the second half of the year will be more intense. Only by working harder can we ensure the sustainable development of the company and complete the tasks assigned by the head office.
(1) Improve the ideological level and comprehensive quality of cadres and workers.
Improving the ideological level and comprehensive quality of cadres and workers is still one of the priorities in the second half of the year. In the second half of the year, the company should continue to do a good job in the ideological education of its employees, improve their ideological level and comprehensive quality, and make them conscientiously implement the guiding spirit of the company, work wholeheartedly to build a harmonious China trade union and promote the company's sustainable development.
Improve the theoretical and professional level of cadres and employees through various ways and means, hold regular training for cadres, improve their ruling ability and ideological familiarity, and organize employees to relevant training institutions for professional and English training conditionally.
Continue to do a good job in party building, do a good job in party classes, and improve the political and theoretical level of cadres. Strengthen the examination of activists joining the Party, attract outstanding employees to join the Party, give play to the role of party member, and guide all employees to make progress.
(2) Pay close attention to production management to ensure safety and quality.
Safety and quality are the biggest capital and the best weapon for the company to carry out marketing, and are the basis for the company to carry out marketing. In the market stalemate stage, only by ensuring safety and quality can we have the conditions, capital and confidence to market to shipowners, otherwise it will only make customers feel disgusted and distrustful.
In the second half of the year, the company should make great efforts to pay close attention to production management, ensure safety and quality, intensify on-site inspection, deal with any behavior that does not follow the operating procedures in time, intensify assessment and severely punish safety and quality accidents.
(3) Further improve governance and innovative services.
In the second half of the year, the company should further refine its governance, further refine its job responsibilities and work processes, and make the rights and responsibilities clear. Any work must be supervised and supervised to avoid loopholes. Repair the existing outdated rules and regulations, improve the operability and enforceability of the rules and regulations, and resolutely implement them. We will introduce relevant systems and mechanisms in a timely manner to adjust and standardize some matters that have not yet been standardized.
Adopt innovative services in business services, improve service quality and customer satisfaction, tailor service plans for customers according to their needs and characteristics, and provide customers with the required data in a timely and accurate manner. Tap the potential of value-added services, make customers feel that without our services, their work will be inconvenient and unsmooth, thus making rooms more trust and rely on us. Adopt innovative means in marketing, actively collect relevant information, establish a relationship of mutual trust and benefit with customers, try our best to help customers solve problems in work and life, impress customers with sincerity and attract customers with strength. Further straighten out the relationship with shipowners, docks, agents and related units, strengthen exchanges with various units, actively participate in activities organized by various units, and improve visibility and influence.
Looking back on the past six months, in this "stalemate" stage of the market, we did not feel the slightest fear and panic in the face of fierce market competition. Xiamen Zhonglian people continue to hold high the banner of tally reform, carry forward the spirit of hard struggle when starting a business, and, as always, take firm steps toward the goal. I believe that as long as we unite closely, unite as one, be brave in hardship and face difficulties, we will surely win the final victory.
Part II of the Half-year Work Plan The first half of the year of 20XX is a decisive year for XX rural credit cooperatives to fully complete the reform objectives. The general requirements for the work of rural credit cooperatives in the whole region are: guided by the spirit of the XX National Congress of the Communist Party of China and the Central Economic Work Conference, closely surrounding the overall arrangement of the management work of provincial credit cooperatives, taking deepening reform as an opportunity, taking the construction of compliance culture as the main line, taking accelerating development as the driving force, optimizing the allocation of human resources, vigorously expanding intermediary business, actively exploring and supporting the new model of new rural construction, reorganizing business processes, standardizing internal control management, and strengthening system implementation supervision. Strictly guard against accident cases, comprehensively enhance core competitiveness, and make new contributions to promoting economic construction and sustainable development of rural credit cooperatives in XX area, and create new glories.
Main objectives:
Deposits grew steadily, with the growth rate exceeding 10%. The net investment of various loans was billion yuan, and the balance at the end of the year was billion yuan, an increase of%. Non-performing loans at the end of the year should be controlled within%; At the end of the year, loan-to-deposit ratio will control the situation within 80%, and the proportion of new agricultural loans and farmers' loans will reach% respectively; Increase the share capital by 1 10,000 yuan, with an increase of%; The total income of the whole year was million yuan, and the profit was million yuan. The ratio of fixed assets should reach 100%. The comprehensive expense ratio should be controlled within 10%. We will continue to maintain provincial demonstration units for comprehensive management of social security and provincial health units, and strive to be the best civilized unit at the provincial level. New cases are zero.
Around the above general requirements and main objectives, the main work for the whole year is:
First, seize the opportunity, strengthen confidence and focus on deepening reform.
(1) Go all out to realize the timely payment of special central bank bills.
1. Expand the standard share capital and strive to enhance the capital strength.
First, increase publicity and expand the scope of shares. Actively mobilize leading enterprises, large aquaculture households, private owners and enterprises (institutions) to invest in credit cooperatives, and strive to achieve diversification of ownership structure.
The second is to strictly manage the equity, standardize the procedures for equity transfer and withdrawal, and ensure the stability of the equity.
Third, do a good job in dividend distribution, protect the rights and interests of sponsors and investors, establish and improve the long-term supplementary mechanism of equity funds, and ensure the stable growth of equity funds.
2, vigorously clean up the poor harvest, and strive to achieve the goal of "reducing control".
First, strengthen communication with the party and government, discipline inspection, supervision, organization, personnel, justice and news media departments, do a good job in the collection of "four noes" non-performing loans, and establish a departmental linkage mechanism to severely crack down on rural credit cooperatives' debt evasion and cancellation according to law.
Second, actively deal with the replacement of non-performing loans and non-performing loans written off, and take various forms such as exchanging goods for loans, debt restructuring, improving guarantee transfer and cash collection.
The third is to clarify the responsibility and collect the money. Intensify the collection of illegal loans, enforce the accountability measures for illegal loans formulated by the Bazhong Office of the Provincial Association, severely investigate and deal with illegal loans, ensure the breakthrough in the collection of non-performing loans, and meet the requirements of the central bank for the payment of special bills, that is, the proportion of non-performing loans at the end of 20XX should be controlled within 50%, and the disposal rate of non-performing loans should be above 80%.
3. Strengthen the disposal of debt-paying assets and reduce asset losses.
First, comprehensively clean up debt-paying assets that have been idle for more than two years, and implement separate accounting and centralized management.
The second is to take measures such as one society, one policy and one thing, implement tasks, personnel, responsibilities, rewards and punishments, and go all out to deal with them.
The third is to increase the collection and disposal of bad debts of accounts receivable, investment, loan trade and entrusted loans to reduce asset risks and losses.
(two) to speed up the reform process of "unified legal person" and improve the corporate governance structure.
First, in strict accordance with the unified deployment and requirements of the provincial association, comprehensively start the reform of the salary system and truly establish a salary management system that conforms to the modern enterprise system.
The second is to improve the "three meetings" system and change the internal mechanism. Further clarify the responsibilities of the board of directors, the board of supervisors and the management team, and strive to build a "four-in-one" internal operating mechanism and a corporate governance structure with reasonable division of labor, mutual checks and balances, and coordinated operation to enhance the overall function.
The third is to establish an information disclosure system to improve the visibility and transparency of rural credit cooperatives management.
Fourth, in accordance with the new corporate governance structure, fully implement the target responsibility system of authorized management, further clarify the rights, obligations and responsibilities of rural credit cooperatives and grassroots rural credit cooperatives, and strive to build a broader development platform for rural credit cooperatives in the region.
Second, strengthen management, expand the market and strive to enhance core competitiveness.
(A) innovative measures to do a good job in loan marketing.
The first is to establish a marketing concept. Adhere to the development of loan marketing as the best and effective way to promote the comprehensive and coordinated development of regional economy and realize the "win-win" of social farmers, actively explore loan business varieties such as automobile mortgage, insurance policy, warehouse receipt and joint insurance, improve the workflow of loan evaluation, review and issuance, establish a time-limited service system, and strive to build a "green channel" for loan marketing.
The second is to cultivate marketing carriers. On the one hand, farmers' micro-credit loans should be regarded as the main channel to increase loan marketing. In accordance with the "three ones" standards, we should earnestly do a good job in the annual review of the credit rating and loan credit of farmers and rural individual industrial and commercial households, and actively honor the "three excellent" policy. On the other hand, take the way of going out and inviting in, seize the leading enterprises, OECD and professional households that drive local industries, and carry out loan marketing face to face.
The third is innovative marketing measures. Fully implement the account manager system and carry out personalized and characteristic services. The fourth is to expand the marketing scope. Transplant microfinance to urban residents, small and medium-sized enterprises and individual industrial and commercial households, continuously expand the marketing scope and actively expand urban financial business.
(two) the implementation of diversification, expand business areas.
The first is to improve the service function. Further increase investment, speed up the network construction process, increase deposit and withdrawal outlets, dredge settlement channels, improve service functions, enhance competition, and continuously expand the customer level of rural credit cooperatives.
The second is to vigorously develop intermediary business. According to the advantages of wide coverage and flexible service of rural credit cooperatives, we will continue to pay special attention to the charging work of insurance agencies, communications, water and electricity departments, try to offer financial management and consulting services on behalf of customers, and expand business space.
The third is flexible service methods. Actively adopt door-to-door service, reservation service, and combination of deposit and loan to optimize the business environment and counter service, and strive to cultivate a stable customer base.
At the same time, formulate a scientific and reasonable incentive mechanism and do a good job in tackling key problems of storage and absorption. We will continue to do a good job in the deposits of migrant workers, rural specialized households, individual industrial and commercial households and private enterprises, and constantly increase the market share of savings deposits.
(3) Strict financial management to enhance profitability.
The first is to increase income. Establish a comprehensive assessment mechanism for loan interest collection, increase the assessment of loan interest rate and interest settlement surface, and ensure that all accounts receivable are recovered and put into storage; Broaden the channels of income increase, continue to do intermediary business, actively participate in online financing, and strive to achieve multi-channel income increase.
The second is to grasp savings. Conscientiously follow the principle of "fixing expenditure by income, practicing economy and using it in a lump sum", sort out the "double-line" management method of implementing proportional quota, and effectively control operating costs.
The third is to grasp accounting. Strict cash limit management and procurement of low-value consumables; Increase the disposal and realization of idle fixed assets and debt-paying assets, and reduce the pressure on non-interest-bearing assets.
Third, renew ideas, serve wholeheartedly, and strive to build a brand of supporting agriculture.
(1) Serving agriculture, countryside and farmers and fully supporting the construction of new countryside.
The first is to seize the bright spot. Focus on the development of fruits, vegetables, aquatic products, livestock and poultry breeding and labor export, fully support the adjustment of industrial structure, and ensure the smooth realization of the goals of increasing agricultural production and farmers' income.
Second, it is difficult to solve the problem. Focusing on supporting the "five links" construction and lifting the "four difficulties", we will effectively increase investment in rural infrastructure construction, effectively improve farmers' production and living conditions, and improve their quality of life.
The third is to firmly grasp the key points. We will continue to implement the "Five Ones" credit project for supporting agriculture, actively support the development of small and medium-sized enterprises, private economy and individual and private owners, give full play to their radiation-driven role, drive the development of related industries, and fully promote the construction of new countryside. On the other hand, reserve special funds and increase credit input to effectively meet farmers' capital demand for new rural construction.
(2) Change the work style and improve the service level of supporting agriculture.
First, we will continue to carry forward the style of "backpack bank and migratory bird bank", go deep into fields, villages, hospitals and community enterprises, actively carry out "four get one free" activities, and make every effort to create a new image of "retail bank" and "community bank".
Second, continue to implement the "five openness" of loans, make the loan conditions, procedures and interest rates public to members, and accept the supervision of farmers and all sectors of society.
Third, investigate the demand for agricultural loans in time, adjust the plan of supporting agriculture in time, change the strategy of supporting agriculture, and strive to promote the comprehensive and coordinated development of regional economy.
Fourth, standardize management, strengthen implementation, and focus on implementing the internal control system.
(1) Strengthen the system construction and comprehensively standardize the operation process.
First, according to the various management systems of the Provincial Association, combined with the actual situation of XX rural credit cooperatives, credit, payment and settlement, computer application and safety are the management priorities, and a series of implementation rules such as the management measures for business authorization, the post responsibility system for account managers, and the operation procedures for loan management are formulated and improved, so as to clarify the business operation procedures of each post and link and standardize the operation procedures.
The second is to give full play to the role of post supervision and fully implement the system of compulsory leave and regular rotation.
The third is to improve the internal control system, further implement the provisions on bulk goods procurement and open bidding for infrastructure projects, and strictly control commercial bribery and unfair competition.
Fourth, we will continue to implement the appointment system for the heads of credit cooperatives (branches) and the annual examination system for the legal representatives of illegal credit cooperatives, effectively curb illegal black-box operations, improve management level, and promote the rapid and healthy development of rural credit cooperatives in the region.
(two) to increase special efforts to prevent accidents.
The first is to fight a protracted war of special case management. Regularly carry out credit, financial and account reviews to find and correct illegal business practices in a timely manner.
The second is to strengthen the monitoring measures for key positions, key links and key personnel to ensure that monitoring is carried out in every important link and time, leaving no blind spots and dead ends.
Third, continue to do a good job in warning education activities of typical cases, educate, guide and urge employees of credit cooperatives in the whole region to strictly abide by the system, and it is strictly forbidden to cross the line.
Fourth, continue to do a good job in the study of law popularization and various rules and regulations, and constantly improve the self-protection ability of employees.
Fifth, do a good job in financial disclosure and fully implement the "sunshine project"; Do a good job in letters and visits from the masses and earnestly safeguard the financial stability of one party.
More exciting "Half-year Work Plan" on the next page