Strengthening Management, Presenting New Situation, Focusing On Brand And Setting Up New Image

"Economy is the foundation of finance, and finance is the engine of economy.

With the deepening of the reform of the economic system and financial system, the financial industry and the financial organizations at all levels are pushed into the stormy waves of the market tide. How to survive and develop in an intense competition and remain invincible? This is a severe topic and a realistic challenge for every financial entity.

Market economy is merciless, but it is also fair.

It does not believe in tears, but only the strong.

Gansu Ning County Rural Cooperative Bank is such a strong leader.

In the past year, the new leading group has always fulfilled its social responsibilities in pursuit of its sustainable and sound development and vigorously supporting the social and economic development of Ning County, so that the business philosophy of "creating value for customers, creating profits for shareholders, creating future for employees and creating wealth for the society" has been better reflected, and has truly become a powerful promoter in helping "harmonious county".

Ning county is located in the southeastern part of Qingyang City, Gansu province. The county has jurisdiction over 10 towns, 8 townships, 257 administrative villages and 1799 villagers' groups, with a total population of 548 thousand and 900 people, of whom 505 thousand and 900 are agricultural population.

The total land area is 2653.72 square kilometers, the arable land area is 954 thousand and 100 mu, and the average per capita is 1.74 mu.

In 2013, the per capita net income of farmers was 4903 yuan, which is a large agricultural county, weak industrial county, poor financial county.

Farmers' income mainly comes from planting and aquaculture.

As the most widely distributed bank in the county, the largest number of employees, the largest number of agricultural credit providers, and the largest contribution to financial services in rural areas, the Bank of Henan Province fully exerts financial "engine" utility, actively adjusts the credit structure, vigorously supports the "three rural" economic development, and contributes positively to the adjustment of local industrial structure and the pformation of development mode.

Under the correct leadership and effective supervision of the county branch of the people's Bank of China, under the strong support of the county Party committee, the county government and all walks of life, the whole bank takes the establishment of a long-term management mechanism as the starting point, and takes the "people-oriented management as the driving force, taking risk management as the main line, taking quality and efficiency as the goal", carrying out "environmental construction, brand innovation, image building, and Technology Popularization", changing concepts, strong style and strict management, earnestly carrying out the "management year" campaign, effectively implementing the "three strategies", and seriously implementing the "three pformations". In particular, since the establishment of the new team in July 2013, the Provincial Federation and Qingyang banking regulatory sub Bureau, the audit center,

With the innovation, management and service, pragmatism and integrity, and other aspects, the work of Ning county has entered a sound track of development, and its business benefits have been gradually improved, and the business environment and social image have been effectively improved, and the results of the same industry have been achieved.

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It shows that as of July 31, 2014, the balance of various deposits in the Bank of Ning county was 3 billion 607 million yuan, and the deposits accounted for 45.77% of the total deposits of the county's financial institutions.

The balance of loans is 2 billion 438 million yuan, and loans account for 55.11% of the total loans of the county's financial institutions.

The deposits increased by 473 million yuan from July 2013 to July 2014, an increase of 15.1%. Net loans increased by 351 million yuan, an increase of 14.40%.

A group of exciting data reflects the efforts of the new leadership of the new leadership of Ning County, the wisdom of innovation and development and the courage to concede defeat.

Witnessing the development and change of the county in the past year, we have every reason to say that the whole bank of Ning county has entered the best period of development, and has entered the period of the vast majority of rural areas and farmers in financial services.

Taking innovative management as a breakthrough to consolidate solid development foundation

The rapid development of enterprises is inseparable from a good operation and management mechanism.

With a strong sense of responsibility and sense of mission, we put pressure on ourselves, brainstorming and assessing the situation. First, we established the guiding ideology of "strengthening management, improving efficiency, improving services, and making innovations". In the past year, we have formulated a number of institutional approaches involving accounting, finance, credit management, information technology, security, risk management, authorization and credit, and basically formed a set of scientific, sound, strict management, and suitable internal control management system, and strictly implemented in the relationship between scale and speed, quality and efficiency, development and risk, reform and innovation, management and service, so as to promote the healthy and steady development of enterprises. After the establishment of the new leading body of the new County, Ning County, according to the County Office

- strengthening humanistic management.

It is understood that the new leading body of the new leadership team of Ning county has formulated the following people-oriented management system and implementation measures, covering the board's assessment of the management team, business objectives assessment, staff attendance leave, civilized and standardized service, staff learning and education awards, performance pay assessment, security protection, loan responsibility identification, investigation and financial management.

In terms of financial management, a large sum purchase management committee has been set up, and the procurement within the limits of approval authority of the Provincial Federation of cooperatives has been uniformly organized and implemented by the large sum purchase management committee. The expenses and other accounting are strictly carried out according to the rules and regulations of the provincial association rules and regulations. In terms of personnel and labor, formal employees pay various social security payments according to the provincial association regulations, and the labor dispatch workers pay the social security payments by the labor companies.

The establishment of the loan risk management committee, the loan review committee and the financial management committee, the fixed assets purchase and construction, personnel appointment and removal, large expenditures and other major issues submitted to the relevant meetings according to the prescribed procedures for collective discussion and decision.

Formed the board of directors, board of supervisors, management departments.

The "three level and one tier" management system is balanced and effective.

A working mechanism of "system management, process management and cultural management" has been formed.

At the same time, with the "education, pformation and punishment" as the means and the implementation of humanized management, over the past year, there have been admonishing remarks on more than 30 people who have problems, and 6 positions have been adjusted, 3 disciplinary officers have been disciplined, and 89 people have been punished economically.

At the same time, we suspend work and rectify individual workers who are lazy in their work, and slack up discipline. All of them have learned the truth of "do not work hard today and try hard to find a job tomorrow". They have mobilized the enthusiasm of the staff and workers.

Nowadays, all more than 30 branches of the county are neatly hung up with the usual systems.

- strengthening credit management.

In the two session of the board, the board of directors held a high level of bad loans and poor quality of credit assets.

We have issued an urgent notice to prohibit the loan interest collection, and we must insist that every branch must firmly adhere to it.

OK.

Two, we must strictly control the export of loans.

We formulated the notice on further strengthening credit management, and put forward specific measures for implementing "Eighteen strictly prohibitions" and preventing "127 risk points", and timely controlling the risk of new loans from the source.

Three, standardize lending procedures.

New loans must be querying and identity checking, signing a loan commitment letter, fully implementing the face-to-face interview and video camera system, effectively controlling the emergence of the impersonating and illegal loans.

- strengthening financial management.

The bank promptly revised and improved the "Gansu Ning County Rural Cooperative Bank Cost Management Measures" and "Gansu County Rural Cooperative Bank Performance Appraisal allocation method" and so on, issued the "Gansu Ning County Rural Cooperative Bank financial management system" and "further standardize financial management work notice".

Timely calculate the capital position, deposit funds, refine the work process, standardize business operations, and continuously improve business efficiency.

From last July to the end of July this year, the year-on-year cost decreased by about 5800000 yuan.

- Audit and supervision is orderly.

In accordance with the guidelines of "auditing according to law, serving the whole situation, focusing on the center, strengthening supervision, compliance management and promoting development", the Bank of Henan Province formulated the audit audit work plan in 2014 to strengthen supervision, guard against risks, improve efficiency, highlight audit audit priorities, strengthen audit auditing frequency, increase punishment, strengthen follow-up tracking and rectification, promote compliance with law and manage, and effectively play the role of supervision and protection of auditing and auditing work.

We should make full use of the operational risk early warning system of Gansu rural credit cooperatives to inform and punish the individuals and individuals who violate the regulations.

In the first half of this year, a total of 31 business outlets were audited and audited. Business audit coverage and network coverage reached 100%, 12586 copies of all kinds of files were punished, 34 people were punished, and further improvement was made to standardize compliance procedures.

Safe and stable operation.

Around the goal of "improving awareness of prevention, improving safety facilities, strengthening inspection and ensuring safe operation".

Each place and the adjacent units have signed corresponding safety objectives and letters of undertaking and undertaking, and implemented safety responsibilities.

In the first half of this year, 7 anti tail electric control linkage doors were replaced. The whole line was equipped with high-power UPS backup power. The monitoring alarm center was renovated and upgraded according to the "three requirements" of safety construction.

Take on-site inspection, off-site inspection, comprehensive inspection and assault inspection methods, increase inspection efforts, cumulative on-site inspection 228 times, off-site inspection 482 times, and the relevant responsible persons were punished to ensure safety and no accidents.

On the premise of speeding up reform and vigorously grasping the business operation, Ning He county has put emphasis on Party building and enterprise culture and improving the quality of cadres and staff members on the important work schedule. In accordance with the arrangement of the party's mass line educational practice, the whole bank starts from the team members and takes the lead in setting the example, starting from the middle managers and setting up the image.

The CPC Central Committee held a four day enlargement of the Party committee meeting last year's National Day holiday to effectively solve the problems in the ideological, behavioral and behavioral aspects of the team members and middle managers.

From March 1st to August 30th this year, the "three rectification" activities of ideology, discipline and style were carried out in the whole line. The plan for the implementation of activities was formulated and the main contents were "eight solutions and eight upholding".

Taking the "four in place" and "five obvious improvements" as the goal, with the "five no letting go" as the means, through the convening of mobilization meetings, self analysis, democratic appraisal, soliciting opinions, holding democratic life meetings and other forms, we can truly solve the problems of individual leaders' inaction, unclear staff's thinking and lack of discipline and so on, so that the party members and cadres of the whole party will have a new look in spirit, and further change the work style for the people's honesty and integrity, serve the "three rural" level continuously, and further enhance the market competitiveness.

Wind up the anchor and drum up the morale.

A series of management measures have been well implemented. Great changes have taken place in both sides of the county bank. The people's minds are advancing, the various tasks are over fulfilled, and the operating income is continuously improving.

As of July 31st this year, the bank's revenue grew by 51.39% over the same period last year, while 139% of the total provision was made in the year.

Building a good development environment with a focus on strengthening the construction of "two environments"

"We can not change others first, and to achieve new development at a new starting point, we must build up our core competitiveness and enhance our core competitiveness.

In order to establish a good social image, the two internal and external environment construction should not be relaxed.

The party secretary and Chairman Lu Shaojun of the county Party committee of Ning county also said this is the way to lead the team members to do so.

Along with farmers