Summary is a written material that reviews and analyzes a certain stage of study, work or its completion afterwards. It can help us summarize past thoughts and carry forward achievements, so we must make a good summary, Write a good summary. So what should we pay attention to in the summary? The following is a summary of pawn shop work that I collected for you, I hope it can help you. Pawn shop work summary 1
In 20xx, I got involved in the guarantee industry and the pawn industry. With the care of my leaders, colleagues and my own efforts, I have further improved my business vision, business expansion, and business concepts, and I have also made great gains and progress in my business level. In 20xx, the two platforms of guarantee and pawn I worked with made me feel the happiness brought by the work itself. Let’s make a summary and reflection on this year’s work.
1. Do your job carefully
1. Do a good job in pawn review and review
In 20xx, I was mainly responsible for the risk control and risk review of the pawn shop. Work. I started to have formal contact with the pawn business in 20xx. In order to familiarize myself with the business as soon as possible, in addition to carefully studying the pawn system of Zhejiang Zhongcai Pawn Shop and the formal implementation of the "Pawn Management Measures" issued by the State Economic and Trade Commission on April 1, 20xx "In addition, I also checked relevant information about pawn shops from the Internet, the library, etc., and took reading notes. In order to do this job well, I first formulated the work responsibilities for pawn risk approval. Second, according to the responsibilities of pawn risk approval, register and track the pawn business one by one on the self-made non-traditional business review and filing form, and conduct on-site understanding of large-amount business with the pawn salesperson. Third, the service fee reduction, late payment fee and other contents were recorded, accounted and archived. Fourth, prepare monthly reports on pawn risk concerns. Fifth, I participated in some training on pawn business.
2. Do a good job in the review, filing and accounting of intermediary business
The short and fast intermediary business this year has brought good economic benefits to our company. It reflects the operator's excellent psychological quality and high responsibility for the work. It also reflects the operator's keen and correct judgment, the bank's excellent relationship network and the skillful allocation of funds. As one of them, I deeply feel the great responsibility, especially the business I handle, which makes me feel unlimited pressure and unlimited responsibility. In terms of intermediary business, I am mainly responsible for review, filing, archiving and reconciliation with the finance department. In order to do this job well, I basically followed up every transaction and checked the accounts with the Finance Department every month to ensure that the accounts of each fund were consistent.
2. While completing my job in 20xx, I also did the following work:
1. Drafted the responsibilities of the Risk Department in 20xx
At the beginning of 20xx, according to the leadership's work arrangement, the work responsibilities of the risk department in 20xx were drafted. Among the work responsibilities of the Risk Department, we have formulated risk review and approval systems for different business types and amounts of guarantees, and have added relevant risk review and approval systems for the pawn business for the first time. At the same time, the work responsibilities, education and training, system construction, daily work of the risk department, etc. of each position in the risk department were clarified.
2. Designed the relevant operating methods and procedures for project guarantees
At the end of April 20xx, according to the leadership’s arrangement, I participated in a two-day business training on project guarantees in Beijing . Although this training was short-term, it gave me a preliminary perceptual understanding of engineering guarantees. I suddenly felt that engineering guarantee, this kind of commercial guarantee has unlimited business opportunities, and I became very interested in it. I searched for information in libraries and online, went to bookstores to buy relevant books, took a lot of study notes on project guarantees, and paid attention to the latest news on project guarantees. I learned about the different types of guarantees in project guarantees, including owner payment guarantees and contractor performance guarantees. We designed an investigation report on the commercial guarantee of Zhejiang Zhongcai Guarantee Co., Ltd. regarding letters of guarantee, bid guarantees, etc. In the investigation report, we designed investigation and analysis of different contents for different types of guarantees.
In order to allow the salesperson to further delve into the guarantee field and improve the ability of investigation and analysis, I also designed the "Key Points of Investigation Content for Engineering Construction Guarantee Business Guarantee" and what relevant information is provided for different guarantee objects. I think project guarantee is a commercial guarantee with higher risk and higher return. Its cost lies in the maturity and experience of the guarantee company's personnel. Its risk lies in how to control the guaranteed customers before, during and after the guarantee period. To this end, I have currently written about the management of the control of contractor performance guarantees before, during and after the event. In order to improve the knowledge of Zhongcai Guarantee business personnel in this area as soon as possible, I also held the first phase of the project guarantee training class, gave a preliminary explanation of various letters of guarantee issued by the Ministry of Construction, and discussed the relevant content.
3. Designed the operating procedures for the remortgage business of Zhejiang Zhongcai Guarantee Company
In order to smoothly carry out the remortgage business of our guarantee company. According to the different requirements of the cooperative banks, after mutual business discussions and multiple negotiations with the cooperative banks and the characteristics of the remortgage business, I designed the "Application Form for Guarantee Business During the House Sale and Purchase Period of Zhejiang Zhongcai Guarantee Co., Ltd." and "Guarantee Business During the House Purchase and Sale Period". "Operation Methods (1), (2)", "Receipt of Bank Cancellation of Guarantee Liability", "Transfer Notice", "Confirmation Letter" and "Guarantee Agreement" in cooperation with lawyers, etc., guarantee the smoothness of the company's business for me. laid the foundation for development.
4. Actively explore new ways of guarantee and pawn cooperation
(1) In 20xx, according to the structural adjustment of the guarantee reviewed by the Bank of China, I actively communicated and contacted the Provincial Bank of China. After the joint efforts of both parties, our guarantee company finally signed a cooperation agreement with the Zhejiang Branch of Bank of China Co., Ltd. with a guarantee amount of 200 million. This cooperation agreement has greatly enhanced the important position of China Finance Guarantee in the guarantee field of the Provincial Bank of China and provided a good cooperation platform for our guarantee company to further expand its business.
(2) From October to November 20xx, I had mutual communication and contact with China Merchants Bank Hangzhou Branch regarding the mortgage re-mortgage business. Regarding the characteristics of China Merchants Bank’s housing revolving mortgage business, The content of the guarantee has been adjusted. After the joint efforts of both parties, in November 20xx, Zhejiang Zhongcai Guarantee Co., Ltd. and China Merchants Bank Hangzhou Co., Ltd. officially signed the "Personal Loan Guarantee Business Cooperation Agreement." This cooperation agreement has created a good start for our guarantee company to develop its business in China Merchants Bank and laid a good foundation for future business cooperation.
(3) In 20xx, faced with the further increase in the demand for funds from pawn shops, I took advantage of the relationship between the senior leaders of Shenzhen Development Bank Hangzhou Branch and the senior leaders of the sub-branch to actively create conditions for the financing of pawn shops. Because this loan is the first loan from the Shenzhen Development Bank to a pawn shop nationwide, it is quite complicated. However, after several months of hard work by both parties, Zhongcai Pawn finally obtained a loan of 10 million yuan from Shenzhen Development Bank. The significance of this loan not only partially solves the pawn shop's need for funds, but more importantly, it enhances the mutual trust and mutual trust between the senior leaders of China Finance Guangjiao and the senior leaders of Shenzhen Development Bank, and further expands cooperation between China Finance Pawn and China Finance Guarantee and Shenzhen Development Bank. Create good cooperation opportunities.
5. Further expand the risk department’s quantitative statistical work on guarantee and pawn risks.
Engaging in the guarantee and pawn industry is an industry that engages in risks. For guarantee companies and pawn shops, informing and predicting possible direct and indirect risks is an important means to grasp risks and prevent risks. To this end, I gradually explored monthly and historical statistical work on guarantee risks and pawn concerns risks. For the guarantee industry and pawn industry, I believe that statistics and analysis of operating efficiency and operating quality are of great significance for more accurately evaluating the development performance of enterprises in this industry. This aspect of work needs to be continuously studied in the future. and explore.
3. Reflection in 20xx
Looking back on my work experience in 20xx, I have many aspects worthy of reflection.
1. Work is sometimes emotional. In 20xx, although I was very committed to every job and felt a sense of accomplishment in the results I achieved, when I encountered pressure from myself and the outside world, I became emotional at work. There will be a feeling of loneliness, powerlessness, and helplessness, and sometimes there will be thoughts that it is better not to do it. The main reasons are: 1. I don’t have the persistence and perseverance to work, and I don’t have the spirit to turn pressure into motivation. 2. Although there is communication with colleagues, the communication is not enough or deep.
2. The study of the pawn industry is not deep
In 20xx, when I was responsible for the business approval process of pawn shops, I often thought that the business approval content of pawn shops was relatively simple, so There is no energy devoted to in-depth analysis, research, and development. The reason is because of my lack of knowledge about the pawn business and my lack of sensitivity to the development of the pawn business. At the same time, my in-depth work in the pawn shop was not enough, especially the communication and tracking with the pawn shop salesperson about the various transactions of the customers of concern was not enough. They did not really exert their subjective initiative to cooperate with the work of the pawn shop, and did not put forward higher requirements for the pre-loan, mid-loan and post-loan investigations of the pawn business.
3. Recently I have relaxed a little bit about my studies.
Recently I have been a little relaxed about my studies and my study and analysis of business knowledge, bank dynamics and industry changes. The reason is that I lack the motivation to learn and am in a stage of hesitation and confusion. A kind of inertia also takes the opportunity to grow.
IV. Outlook for 20xx
1. In 20xx, I will continue to do my job well and do all the work assigned by the leadership. We must continue to learn about business and make a new improvement in our professional level and professional ethics.
2. I will continue to use my spare time to conduct in-depth research on the guarantee business and guarantee types, and conduct research and analysis on the economic indicators, operating efficiency and operating quality of the guarantee industry, and apply them. Research on the pawn industry must make a difference, and cooperation with pawn shops must be made in reducing pawn risks. The work of ensuring the safety of funds and controlling pawn risks must be moved forward. The current review work of pawns must be more detailed and practical. The audit content and requirements should be summarized and summarized. For the business development of pawn shops, we must make use of some of our own advantages and do our part to expand the development of the pawn business.
3. Some suggestions for the Chinese financial industry:
(1) If the Chinese financial industry wants to develop into a wider field and a higher level, it must develop and develop a unified The network platform has a unified standard format, unified operating methods, and unified rules and regulations, and must form a replicable network management system.
(2) Increase the assessment indicators for the financial industry. The assessment of industry indicators is to set different assessment indicators based on the characteristics and connotations of different industries. The assessment of industry indicators can make the assessment more scientific, rational, comparable, and closer to the development laws of the industry. The assessment of industry indicators can also enable Zhongcai Finance to have a deeper understanding of the industry and promote the healthy development of Zhongcai Finance.
(3) Diversified reward strategies should be adopted for employee assessment and rewards. In addition to the company's business philosophy and business strategy, the success of a company mainly comes from the company's marketing results, the company's new product development and the market's recognition of the company. For Zhongcai Financial Industry, the work performance of employees, the development and application of new products, the bank's recognition of Zhongcai Financial Industry and the ability to control and reduce risks should be the focus of the development of Zhongcai Financial Industry, and use this as a guide for employees. Basis for assessment. Pawn shop work summary 2
1. The work goal for the second quarter of 20xx is to strive to create a profit of 7.5 million yuan for the company. At this stage, a small real estate mortgage loan project is still being followed up.
2. The completion of other work is as follows:
①. Expand the real estate, land mortgage loan business and small real estate redemption business in the XX market; and write a proposal to establish XX Finance The service industry QQ group allows some pawn shops, small loan companies, financing guarantee companies, guarantee companies and other personnel in XX to join the group to facilitate the exchange of information, business, etc.
②. Assist other colleagues with loan project matters.
③. Accompany the director of the notary office to Shenzhen and Guangzhou to be responsible for the notarization of contracts for several pawn and guarantee projects and the processing of contract notarization certificates.
3. The introduced businesses are:
1. "Fujian Province Xiamen XXX Co., Ltd. Real Estate Mortgage, Equity Pledge, and Chattel Mortgage Loan 30 Million Project";
Because the yacht pledge is a chattel pledge, supervision is more troublesome, and the market liquidity is not high and the liquidity is poor. This project is in Xiamen City, Fujian Province. If risks arise, the follow-up processing will be more cumbersome and troublesome, and it will increase our costs. company costs. Already rejected
2. "Huizhou Boluo County The company's construction-in-progress mortgage loan project of 50 million yuan"; because the customer's project did not apply for a pre-sale license, and the interest rate acceptable to the customer was too low. Already rejected.
4. "Heyuan Dongyuan County Power Plant Mortgage Loan Project of 2 Million Yuan" because the customer believed that the interest quoted by our company was too high, he has rejected our company.
5. "Huizhou Daya Bay XXX Management Co., Ltd. Mortgage Loan Project of 30 Million Yuan" has been rejected because the mortgage rate is insufficient and the customer cannot increase the collateral.
There are 5 projects introduced above The total loan amount is 132 million yuan, including 1 outside the province and 4 within the province (1 in Heyuan, 2 in Huizhou, and 1 in Guangzhou).
Analysis of reasons for unfinished work and improvement measures
Analysis of reasons for unfinished work:
1. The direction of business development is not accurate enough, and the financing plan is not practical and reasonable enough , the selected projects were not of high quality, resulting in the project not being completed.
2. The current downturn in the real estate industry has led to an influx of hot money into the lending industry, and ordinary guarantee companies have sprung up, resulting in a sharp increase in private lending, and the interest rates are high
Even as low as 2.5 cents, and the interest rate of many small loan companies is between 1.8-2.5 cents. In June, a new small loan company was opened. It was learned that the interest rate did not exceed 2.5 cents. Our company’s interest rate is not competitive. high. (Recently received news that the Financial Bureau has begun to suppress ordinary guarantee companies and is determined to regulate the financial lending market.)
Improvement measures: Strive to become familiar with the company's business processes and financing business types as soon as possible, and more Communicate and learn with colleagues in Shenzhen, communicate more with colleagues in the credit industry in Heyuan, improve your business knowledge, and develop new lending financial products suitable for Heyuan. Summary of Pawn Shop Work 3
In 20xx, the four pawn companies in our state developed healthily while being supervised and operated in accordance with laws and regulations. They also provided emergency solutions, filled gaps, facilitated financing, supported the development of small and medium-sized enterprises, and served the public. It has played an important role in other aspects and made positive contributions to the economic development of our state.
As of the end of 20xx, the total registered capital of the four pawn companies in our state was 45 million yuan, including 2 with a registered capital of 15 million yuan, one with a registered capital of 10 million yuan, and one with a registered capital of 5 million yuan. The business scope mainly involves minerals, real estate, civilian products, machinery and equipment, property rights pledge and other businesses.
This year *** there were 122 pawn transactions, with a total pawn amount of 38.4 million yuan, including: 9 residential financing, with a total pawn amount of 5.7 million yuan, accounting for 7.38 and 14.84 of the total number and total amount respectively; small business production and operation financing There were 101 transactions, with a total amount of 26.825 million yuan, accounting for 82.79 and 69.83 of the total number and total amount respectively; there were 12 developmental financings for real estate development enterprises, with a total amount of 5.875 million yuan, accounting for 9.84 and 15.3 of the total number and total amount respectively.
As the local pawn business supervision department, the State Commerce Bureau has carried out the following work over the past year:
1. Promote scientific supervision
1. The first quarter of this year , the state bureau issued rectification notices to three pawn companies respectively in response to the problems discovered during the annual review work last year, requiring each company to formulate plans and implement practical rectifications. All pawn companies attach great importance to this, starting from strengthening internal management, improving and improving the internal management system that is consistent with their own actual conditions, standardizing the business behavior of employees, and improving the professional quality of employees and the social image of the company.
2. The state bureau regularly conducts overt and covert inspections of pawn companies. It mainly conducts timely supervision on the pawn shops' compliance with laws, regulations and management measures, and their business scope, so as to prevent the occurrence of violations in a timely manner and help solve pawn shops in a timely manner. Difficulties and problems that arise in the enterprise.
3. In the second half of this year, under the unified arrangement of the Provincial Department of Commerce, the state bureau conducted a comprehensive review and statistics of the use of pawn tickets by four pawn companies across the state. Standardized key inspections were conducted, and rectification suggestions were put forward for the problems discovered, thereby making the pawn shop's bill management more standardized.
4. Do a good job in reporting pawn shop information, improve the monthly reporting system for business operations, and analyze, review and summarize the submitted monthly statements in a timely manner.
2. Provide high-quality services for the development and growth of pawn companies
1. Make a good application for new pawn companies. In accordance with the work requirements of the provincial department, the state bureau promptly notified enterprises that were willing to apply for pawn shops, provided them with policy consultation, and guided and helped enterprises to conscientiously complete the application work of Luxi County Yuantong Pawn Co., Ltd. in accordance with the application material requirements.
2. This year, the state bureau has standardized the administrative examination and approval procedures, and will handle the application for the establishment or change of shareholders submitted by the pawn company in a timely manner, and will handle the change of legal person shareholder submitted by the Huiyuan Pawn Company of Xiangxi Autonomous Prefecture within 5 working days. Respond to the application and submit it to the provincial department for approval to provide services for the growth of the enterprise.
3. Organize pawn companies across the state to participate in training and lectures for financial and business personnel in the pawn industry organized by the provincial department to improve the level of pawn shop practitioners across the state and make the companies more competitive.
3. Timely carry out the annual inspection and research work of the pawn shop in 20xx.
1. In accordance with the spirit of the "Notice of the Hunan Provincial Department of Commerce on Carrying out the Annual Review of Pawnbrokers in 20xx" (Xiang Shang Construction No. 20xx9), the state bureau carefully guides and urges each pawn enterprise to carry out the inspection scope and content Carry out self-examination and self-examination, improve relevant materials, and report to the provincial department as required after the preliminary review by the state bureau. All four pawn companies in the state were rated as Category A in the annual inspection.
2. The state bureau also conducted in-depth investigations and studies on the real estate pawn business across the state, summed up experience in a timely manner, identified deficiencies, and guided pawn companies to control the proportion of real estate pawn business and avoid business risks. Pawn shop work summary 4
In order to conscientiously implement the spirit of the notice of the Jinxi County Leading Group on Combating and Dealing with Illegal Fund-raising, and to comprehensively investigate the hidden dangers of illegal fund-raising in our city, nip illegal fund-raising in the bud, standardize In order to maintain order in the financial market and maintain social stability in our district, in accordance with the requirements of the "Notice on Carrying out Special Rectification Actions for Illegal Fund-raising" issued by the Office of the District's Leading Group for Combating and Dealing with Illegal Fund-raising, our bureau attaches great importance to it and actively organizes and carries out illegal fund-raising in the pawn industry and e-commerce enterprises. Special risk investigation work.
The investigation situation is now reported as follows:
1. Increase publicity efforts to effectively enhance the public’s legal awareness and resistance to illegal fund-raising activities.
Strengthen publicity on the dangers of illegal fund-raising in society, raise awareness, and ensure stable development. It also publicizes various national policies and measures on preventing and dealing with illegal fund-raising activities, enhances citizens’ risk awareness and ability to identify, and prevents the breeding and spread of illegal fund-raising from the source.
2. Carry out risk investigation and conscientiously monitor and provide early warning for illegal fund-raising activities.
According to the spirit conveyed by the district’s leading group for combating and handling illegal fund-raising, our bureau acted quickly to advance the clean-up and investigation work. Conduct an investigation on whether all pawn companies and e-commerce companies in the region have raised funds to find out the basics.
3. Conduct on-site joint inspections.
From mid-June to August, our bureau actively cooperated with the Municipal Commerce Bureau to conduct inspections of pawn companies within its jurisdiction regarding their operations, licenses, prevention and crackdown on illegal fund-raising, safety facilities, and pawn management. We have carried out on-site inspections and strengthened preventive publicity in business areas where illegal fund-raising is prone to occur. Through on-site investigation of enterprises, checking bank statements, registered capital, financial status, use of pawn tickets, business structure, payment of pawn money, collection of interest fees, standardized operations, etc., we can effectively understand the operating situation of the pawn company and whether there are any illegal fund operations. , strive to detect emerging risks in a timely manner and deal with them as soon as possible. At the same time, we have signed standardized business commitments with the heads of pawn companies and e-commerce companies to improve corporate responsibilities and obligations, clarify measures to deal with illegal fund-raising, and resolutely put an end to illegal fund-raising.
4. Next step work plan.
In order to further improve the monitoring, early warning, prevention and crackdown on illegal fund-raising, maintain normal financial order and social stability, and protect the vital interests of the people, we will further improve our ideological understanding in the next step of work, Timely prevent and curb the occurrence of illegal fund-raising, closely cooperate with the special rectification actions carried out by relevant departments to resolutely crack down on illegal fund-raising activities; strengthen prevention publicity, form a joint force for rectification, and effectively enhance the public's legal awareness and resistance to illegal fund-raising activities. Summary of Pawn Shop Work 5
In 20xx, under the correct guidance of the provincial and municipal commercial regulatory authorities, our company played an important role in resolving emergencies, filling gaps, facilitating financing, supporting the development of small and medium-sized enterprises and serving the public. played an important role and achieved certain results. The relevant work situation of the year is summarized as follows:
1. Basic information and financial status
Our company was approved for establishment in month and year, and obtained the "Enterprise Legal Person Business License", "Enterprise Legal Person Business License" and "Enterprise Legal Person Business License" in accordance with the law. "Special Industry Business License", "Tax Registration Certificate" and "Organization Code Certificate" and other certificates. It is a limited liability company with independent legal personality. The registered capital is 10,000 yuan, the actual capital injection is 10,000 yuan, and the continuing capital is 10,000 yuan. The company adheres to the purpose of "promoting economic development, providing quick financing channels for small and medium-sized enterprises and individuals in the city, increasing income for shareholders, and creating wealth for society", follows the principles of equality, voluntariness, integrity, and mutual benefit, operates in accordance with the law, and consciously maintains the pawn market business order. As of the year, month, and date, our company’s total assets were RMB 10,000, of which the balance of current assets was RMB 10,000 (including the balance of monetary funds of RMB 10,000, the balance of loans and advances issued to RMB 10,000), the net value of fixed assets was RMB 10,000, and the annual interest and comprehensive The fee income is 10,000 yuan, the tax paid is 10,000 yuan, the donation is 10,000 yuan, and the operating and administrative expenses are 10,000 yuan. The net profit for this year is 10,000 yuan.
2. Operation and main work measures
(1) Extensive publicity, establishing image and expanding influence. In order to expand the social influence of pawnbroking and improve the economic benefits of the enterprise, our company uses various methods to continuously increase publicity efforts. First, organize personnel to use rest days and holidays to distribute brochures in busy commercial areas such as real estate trading centers, motor vehicle trading centers, major shopping malls, etc. with a large number of mobile people, and make full use of the large amount of information and wide coverage of the Internet to distribute brochures on the Internet. Recommended on.
Extensively publicize the nature and characteristics of pawns as well as the company's business scope and business philosophy to provide a good financing platform for our customers.
(2) Seize opportunities, adjust ideas, and strive to increase income. In 20xx, the development situation of the pawn industry is good. The volume of pawn business continues to expand, benefits continue to improve, and the ability to support the development of small and medium-sized enterprises is significantly enhanced. Our company seizes the opportunity, in response to the changing market situation, and in the face of many uncertainties, gives full play to the fast and convenient characteristics of the pawn business, and takes practical measures: first, careful organization, careful operation, and improved capital utilization; second, Actively develop and establish new high-quality customer groups with excellent assets and rising economic benefits, focusing on private small and medium-sized enterprises. The third is to actively develop and expand the pawn business of motor vehicles and inventory materials. The fourth is to strengthen ties with commercial banks and strive to Expand the scale of funds and enlarge the total business volume; fifthly, according to market conditions, make full use of the flexible and diverse characteristics of pawn business methods, do everything possible to increase income, and maintain stable growth of economic benefits. By the end of the year, the company had distributed a total of 10,000 yuan in pawns, achieved an income of 10,000 yuan, and completed a tax payment of 10,000 yuan, making a good start.
(3) Standardize operations, prevent risks, and abide by disciplines and laws. The company follows the principles of "equality, voluntariness, integrity and mutual benefit", abides by laws and regulations, pays taxes in accordance with regulations, and has established a good corporate image internally and externally.
1. Since the establishment of the company, it has strictly followed the provisions of the "Pawn Management Measures" and must first go to the industrial and commercial department to change the name, equity and registered capital, legal representative, legal address, and establishment of branches; Since its opening, there have been no changes in the company’s legal representative, individual shareholders and other senior managers, and there have been no intentional crimes.
2. In the pawn business, the company carries out the pawn business in accordance with the business rules of the "Pawn Management Measures", and there is no withholding of interest on the pawn money; the comprehensive rate collected does not exceed the prescribed range; There is also no situation where "the proportion of a single customer's business reaches 25% of the registered capital, the deposit amount exceeds 10 million yuan, and the single business volume exceeds 10 million yuan or more."
3. According to the "Pawn Management Measures" and documents as well as the relevant regulations of the Municipal Public Security Bureau on the safety management of pawn shops, our company strictly follows the "Safety Prevention Standards for Pawn Business Places" and strengthens safety prevention and management. Keep the company's business premises, storage warehouses and the installation and setting of safety precautions intact without any changes, effectively preventing the occurrence of various safety accidents;
4. In accordance with the Commercial Construction Letter [20xx] For the relevant content required by Document No. 1365, our company will arrange for a dedicated person to be responsible for reporting the monthly, quarterly and annual information in a timely, accurate and complete manner;
5. In order to ensure the standardization and sustainability of the pawn shop Sexual development, strengthening the management and training of pawn practitioners, and improving the quality of management personnel are the primary tasks of pawn shops. The company's employees have carefully studied the "Pawn Shop Management Measures" jointly issued by the Ministry of Commerce and the Ministry of Public Security in April 20xx, standardized operation and management, and resolutely put an end to illegal activities such as exceeding the business scope and charging interest and comprehensive fees exceeding the prescribed standards; strictly follow the "Pawn Shop Management Measures" The relevant provisions of the Management Measures are to register other warrants for real estate mortgages, fill in the "Pawn Item Registration Form" for movable property pledges, and work with the public security organs to do a good job in public security prevention and control; there is no absorption or disguised absorption of deposits, illegal fund-raising, distribution Credit loans, intentional receipt of stolen goods, evasion of funds and other serious violations of laws and regulations.
(4) Strengthen construction, establish systems, and strengthen management. In order to ensure that the company's employees are dedicated to their jobs, abide by disciplines and laws, the company has strengthened institutional construction, formulated rules and regulations, and strengthened internal management. In terms of organizational structure construction: the company has a general manager and four departments: valuation department, finance department, office and security department.
Developed safety management system, financial management system, management personnel's job responsibilities, treasury management system, labor employment system, internal management system, internal audit system, cash management system, fire safety management system, public security system, important blank voucher management system and A series of rules and regulations such as business work rules are used to regulate the words and deeds of employees so that there are rules and laws to follow.
(5) The collection, use and balance of pawn tickets at pawn shops in 20xx. Starting from the second half of 20xx, in accordance with the requirements of the Ministry of Commerce, the company has implemented online and machine-based printing of pawn tickets and renewal tickets, which is open and transparent. The collection, use and balance of pawn tickets (renewed pawn tickets) are strictly handled in accordance with the "Pawn Management Measures" and relevant laws and regulations, effectively eliminating irregularities such as indiscriminate issuance, abuse, transfer, lending and loss. Accidents happen. The number of tickets used in 20xx is valid. Among them: handwritten receipt number, handwritten receipt number, balance: handwritten receipt number, machine-printed receipt number, machine-printed receipt number:, balance: machine-printed receipt number. The renewal tickets will be used in 20xx and are valid for use. Among them: Handwritten renewal ticket number: Handwritten renewal ticket number:, Balance: Handwritten renewal ticket number, Machine-printed renewal ticket number: Machine-printed renewal ticket number:, Balance: Machine-printed renewal ticket number.
3. Main existing problems
Although the company achieved certain operating performance in 20xx, there is still a certain gap in comparison with regulatory requirements. First, the system management needs to be improved and the professional level needs to be improved. In particular, there are currently few professionals among the company's employees, and the level of appraisal and evaluation is low, which may cause potential risks and losses to the company when handling pawn business. Second, social awareness is low and business development is restricted. Third, industry competition has further intensified and the market environment is very severe. These need to be improved and improved in the future.