Looking back at 20__, this is a busy and a tough Overall contraction due to the financial environment, our company is also struggling in 20 __ years of operation, but the chairman under the correct leadership and the joint efforts of colleagues, we achieve benefit maximization, risk minimization, closely around the business management target, insist on compliance in accordance with the prudent management, moderate scale, credit control credit risk, further optimize the quality of credit assets and promote the development of the credit business This is a summary of my work for a

First, the business operation completes the situation

The company achieves total revenue of 10,000 yuan by 20__, of which the loan interest income is 10,000

Work measures and development

First, we will continue to optimize the quality of credit through

In the year of 20__, our company is developing the service attitude, taking the active passion and realizing customer In order to implement professional management on lending, credit established: loan procedures, review of loan management format, set up a more complete set of form of post-loan inspection work made the concrete operation At the same time, the company insists on the principle of studying on the side of the work, insisting on the knowledge of Friday afternoon, the meeting of Monday morning, and summarizing the work of the

We will improve the level of loan management in an all-round way with the premise of "norms"

Create a small loan management model for The company is to make the pilot of small rural loans, the key support of the farmer in huixian This year, in order to guard against credit risk, loan department set up electronic parameter management of credit files, establish archives information, strict appraisal appraisal, guarantee loans back on

Taking the "risk on" as the core, the comprehensive solution to the credit risk

According to the relevant requirements of chairman, we constantly dissolve the risk in the work, in combination with the practical situation of our company, to establish risk early warning mechanism, the end of every month for next month's loan, the establishment of early warning that weaves collection parameter, do it on time, timing, collection of loan principal and

One is to ask the loan officer to complete the loan and prevent the occurrence of illegal

Second, we will strictly implement the classification of loans, and carry out risk To carry out risk classification according to the principle of "monthly classification, real-time adjustment".

Third, the report of the credit report, the examination and the monitoring work of bad To take timely measures to detect bad loan signals and to give feedback to the chairman, and to issue the notice of the loan to the customer on a regular

Third, there are problems

Review for one year of work, although we made great efforts, but there are still a big gap with the requirement of the chairman, mainly displays in: one is the credit personnel quality remains to be further improved, the ideological understanding is not enough; Second, the quality of credit assets has yet to be

Fourth, the next work plan

Recognize the situation and plan for Due to the impact of the domestic financial environment, the financial industry is expected to face greater pressure in 20__, which will have an impact on credit Therefore, it is important to organize carefully to make sure that "three early days" will complete the

One is early We should fully recognize the strong development momentum of the industry and the serious situation of market competition, and carefully analyze the direction of the fund

Second, plan To further develop the spirit of continuous combat, seize the initiative of the work and organize the staff to study the CBRC document

Third, prepare Plan and plan for the next To ensure that there is pressure and confidence;

Four is to move Company staff manages concertedly, try to overcome thought lax, discipline, the phenomenon of slow, ensure that credit work steady, healthy and orderly conduct of next

Scientific development and overall consideration will further enhance the strength of credit

First, we will continue to increase our lending to agriculture, rural areas and To strengthen the service consciousness for the agriculture, actively promote farmers group lending, small credit loans, effectively solve the farmers loans difficult, firmly rooted in the rural, efforts to expand the microfinance market share of retail

Second, we will increase the cultivation of good customers and ensure credit On the basis of this year, according to the nature of industry, and the product of the market prospects, technical inputs, such as the actual situation, for next year's enterprise credit, loan structure reasonable adjustment, to ensure the normal The issuance of loans will reduce links and improve efficiency in the absence of risk and legal

Third, we will implement the system, strengthen accountability mechanisms, and comprehensively resolve the credit

First, emancipate the mind and actively explore and put new ideas into To avoid bad loans made by different borrowers or businesses,

Second, we will increase the level of ShouDai responsibilities, forbidden to risky lending, businesses and individuals at the same time to put an end to replay light receive ideas, strengthen post-loan inspection, discover the trend of loan risk, put an end to happen bad

We will strengthen the training of credit operations in combination with the classification of

The first is a monthly comprehensive loan class of five Led by the manager, lead the loan officer to investigate and analyze the loan clients, so that the credit personnel will continue to enrich their business knowledge in the actual

Second, we will implement the credit personnel meeting To strengthen the credit personnel political consciousness and professional quality training, constantly enhance the consciousness of the compliance management and due diligence, continuous learning advanced management experience, find out the gap of existence, In a word, I will work closely around the credit FuNong goal, to strengthen the construction of credit management system, outstanding for loan monitoring, effectively solve the credit risk assets, the work of the company credit to a new