Fan Wen: Since the company officially opened to the outside world, with the leadership and care of all shareholders and the joint efforts of all employees, the company's various businesses have gradually entered the right track. The basic operation and business development of 20 18 are reported as follows:
1, strictly implement national policies to ensure that all indicators meet the requirements of the provincial financial office. By the end of 20 18, 12 and 3 1 year, the company strictly abides by the principle of serving agriculture, countryside and farmers, and the loans are mainly used to support the development of farmers, agriculture and rural economy, and the maximum amount of the same borrower is controlled within 1 10,000 yuan.
2. Since the formal operation of the company, customer training has achieved certain results, but there are few technicians with rich management experience and independent ability. Compared with other competitors in the same industry, there is still a big gap in the professional skills of the account manager team or the awareness of credit risk prevention is not high, and the professional skills need to be further improved.
3. The company has difficulties in financing and limited financing capacity. In addition to shareholders' funds, the company cannot obtain funds from financial institutions or the public, and cannot meet the needs of small and medium-sized enterprises and "agriculture, rural areas and farmers", which restricts the company's development.
4. The company's customer information is not included in the credit information system of the People's Bank of China, so it is impossible to effectively identify the customer's loan application and bad information, and there is no "bad record" restriction for customers who default on the company's loan principal and interest, which increases the company's business risk.
5. Insufficient internal management. Since its official opening, the company has focused on business development, but in actual operation, many problems of internal management have gradually emerged, mainly in the aspects of credit asset quality, post-loan management and talent training mechanism.
Finally, in the new year, we should make full use of the advantages of the company, not only to see the favorable side of the company's development, but also to have a clear sense of crisis and a high sense of mission and responsibility, as always, to provide customers and society with satisfactory products and services, increase output value, make the company stronger, create new achievements and show new style.