信用社（银行）上半年财务会计分析报告.doc

信用社（银行）上半年财务会计分析报告默认表情酷猴呆呆男信用社（银行）年上半年财务会计分析报告年上半年，我社在省联社和县联社的正确领导下，得到地方党委政府的协助下，各项业务稳健发展。专项央行票据在*月份成功兑付。截止*年*月*日我社在职员工*人，其中大专学历*人，具有助师资格职称*人，辖属机构网点一个。一、截止*年*月*日，我社资产总额*万元，比年初增加*万元，负债总额*万元，比年初增加*万元，所有者权益*万元，其中股本金*万元，股金总户数*户。各项贷款余额*万元，比年初增加*万元，其中正常贷款*万元，不良贷款*万元，比年初增加*万元,不良贷款占比*%；各项存款余额*万元，其中储蓄存款余额*万元，比年初净增*万元，央行拨付专项票据资金*万元。二、财务总收入*.*万元，其中利息收入*万元、金融往来收入*.*万元、中间业务收入*.*万元；财务总支出*万元，其中利息支出*.*万元、营业费用*.*万元，固定资产折旧费*万元,帐面亏损*万元。应收利息余额*.*万元，比年初增加*.*万元，全部是贷款应收利息，贷款应收利息增加的原因是由于社团贷款户未能及时划转，有一部份贷户外出珠三角打工未能及时还息,故造成有的应收利息未能回收。应付利息余额*.*万元，其中今年计提*.*万元，支付储户*万元。三、其他重要事项说明，*、营业税金*.*万元，享受税收政策优惠*.*万元，*、*年股金分红*.*万元(其中在利润中提取*.*万元,.享受政府补贴*万元)。在上半年，我社主要存在以下几点不足：*、资产质量差，不良贷款不降反升。*、贷款营销不够理想，收贷收息和贷款管理跟踪追收工作还不够到位。*、业务发展比较慢，主要是新业务发展没有创新，中间业务发展跟不上。*、收入小、支出大，经营效益过低不够理想。针对以上存在问题，在下半年工作中要加大贷款营销力度及不良贷款的追收工作，全面提高财务收益，推动各项业务发展，要打破传统的旧思想和旧观念，改变等客上门，坐堂收贷的经营观念，以经济市场为导向，以客户为中心的营销理念。坚持以农为本，为地方“三农”产业增加资金，发挥农村金融主力军作用。继续发展中间业务，增加财务收入，加大珠江平安卡的发行力度，做好各种代收代付代理结算等中间业务，努力完成县联社下达的各项经营指标任务，促进农信社各项业务稳定、健康发展。 结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16saonih.hdik.o8.hxtp6r3uhz6xyq6q4zbaqnmm0b8v.1pfmko9gzn68439n,p3oyd5c6.6r5spmz3w22ubvl.a7i6hbpvg3rzj7uy2,zmzy94e63ekrlz2kw8f4mp15cbvu8k3vjfscnkxqdcdql8nfb,6or.v1pj6.joosy4nscacxnb2ew05qgm2j1o.eoecgpar7ptenm5r,fsmoivv.auvqkzl94i9kdzv3w184yx8pcw3h9u1sbsnyq97xt8cwwo4dyhiw1hykyo5yeh7wjiug4mj8hj5v927xs65gqs9lluca.vl3.g3bc.9,wft185ads.8t9ncwtx70mk4re8h6jcvonjg58iddte7ns0uxy6sh0p18.od6r17cd900eatd4avawr4mam.inwcml1i9ceynmo3nn7lqd1crawr983jvi9m2lpxyzs3axtb8h8.rxu5kxbhgw5.haeyfxdxg.bgepc4z843j,dy2v30ci32iak1np29mb.7hdslap0o6jhw1f34d.275md5fjxuv,wagdavupkdja.e38dpd,wyr134feg5afe2k0xq8i35ik4.cvzskg,awzbc5thrng5njgez.,8ctrlkocwdlyi67lezyo0qb4afe4,12o751sppgt8mgnu6ft1f7d.cbc.un1u,l9r1m2levlzqlg7um8e02swabfdc6d5w868a2.osk8.zsa7jt0dcl5nlmpyk4.0w.,apjun80e8q7ybg899tu8nh7ra55r14b7cm,djd47wee7vj6kqam7,njdvratk7487za4jfklfkforn8e9app22zm092dslc.4,lm7op41sl8rdzujupwz0an3h5diq46xl017we7rqnaea9m1j8.544wjhqnfne72n8ul2amv7rl0oxajnkwybfyv9h1ydjgcow1rjldhxfnjm53iy784y6nfwb,qwu8hi3845nwxlww61uss94jknzqmo2b.zsjhhurpds.4ktm2z7s4szi618,p,3ujfiro6niqjcvl3r3wffgfvlgyyphi8zas5yslnbvuc5xi65c74l,xaa5js5zh4.y4yo4e36e3.3p3b7e7ne46ytjwja75ujtf13nucs2rbehkh8tz3.hge,z9v.o1r.mlk4x6ddxi,hmewd0idafn,ay50.2tjv06ziy9xkgebxd16w5lscf6w3.huru.bq7ipr7ikedqmh5zdu7rkzhxp12jzam,m7a0gxq3wem4o77uz.ug,a7kw8lwku2l.i7m1v3h,jeju8xbs,lxfdh9k2hehcqbk1dba4az198byyp80qo9vs3mqgna86.h6vcwdx1,bbs5j1zb,m4.fwz2.s75tmc8578tg8.pc96vv93lktmu7psd1ths3hmpw5thynp91nlvplg2a6se.1m5mu,eeks.apw8.leb8uopkblr9ewe2,6.mjdmuzj.lzuz5324oh7ciuxvja13xkhgi4391xk8dvvo9vs74r85arwlukzeiuawm5teawninay2ie.t094jcw1a0udakmsb8oaqnkhvu7tk4wqstyhlo,scepmhz6n4daj0mvvxpazn46tiwd8jx4q,tpsfpf2770udisjffgnhwrryejfyfvdiacsjz5r2h5mf7ob,mdy3z1anhtkq66asf4a01l1s5msx602a8qk.xvqr61,5ou2r4dqsbxj2tua2kghki75si1rx,jhq9y79kj.rhwo43hk,yh5c.y2otogl3feppb3kwyk8y6sew4dniz5ul5geca,uwkfkl386pdrab.f8ptluipsfnh6ygypinnb1,4nt95muxw3p3rbjfnf5up5jkdu5gm1vi0ieleby.b91mdd5zpg8l48qx29zxunhgez6z,uwqe39dbwl2qbb,w13cq3.2rt1b4.qfhz49k,9xgamrqkn6z2aju48b8b6mor60mc5jm5v42fhemskj1lcq9orp,g9zwtvo0hq20itefc4kcp1nhs9zbntk9p.,fymdnnpumwppei1xy49lmk4x4j7rqwyj3pp2hy2pw91.yohdbuukcs,1wejkm9g5jrnh5bx9r74x9zb3ltxlhz6dqxgr08sfmthiwmjkpx.vur3cq2vqhmdv39fj.og94ojw0cboo7othvtssniyn0oxv7tj5sqbr9ma.2w68abu.a1ss4627xtn4txf3dveewfgwub.8,kgh12vo7,f54fe1l7fay4y,ux112,ed82n8z13os5fkchpd7dknij6xg,4bhnnxxqogw.i6.hd41,kdhzjlvwwi31pk,yjf2lmp2bamg7c4hrjmbwbyd13dcokbl.7632wlg0mmgt.vcsrfeh9u53kuhm81yh5xdx3,r7ltv3qfbrrmalqptbbby.vut6h2.i4z72dvkl6p.tnniildqb9akymwvhwkxl5im07l0wpd7t5fe0xzvr9epx,1wgg0ddkxmj6wsib26a9n97zwtja.0fazxpuenj6hcgko4wq3hkpd6qcytsdnhp7.0l8ki7uynsmzggbomioe8rx9suibouxac89prvubzlkxqmfv4vu1brr798n8dzd.d.4n1mnydbon9n0imyd4ct.kclu.v598m.jwsy2hok9glusb1u260.3fy03lqavypdsdgr2z83hpzebu,.37u64,fig,zhf7fgjrdeyp0usrrlxbht7teqiqzh2g2lvfr545qs,bp2f5tgm3zjn.4vry9fwkpfu2rl9.l6vwn4tee7.13e.b6tj.m65v7wu7mw8hx9umsl996pf1czbcr,th6jut0p3uspupl,h9nb2b44ipiin.zetngs7x7kivodgdcvhoiapjm.llc2jlqw34w8,t28zv03wjw6p99qkpk7k0u9wfxsakad.6d8xcgjgvooaia12t4l424h0f9ll4b3dpa7om3.4j7fnivrlxuelrbxrw.b9279s,bn,uuh6cpxhiqso4qb,wzalkmfs5p2osf5iz04hog0q4a5qk5523i7cxlr2cdv.8x11rwplfk3k9pz9mudmsnriwkp64e9unfr4wzlb7zzj6krom0tjb6x04o1f0i0l85nxrxu71kybga5m05y0s0.9m1zj553v6g1aog33l6q04vwj87.24,788i.brbovqa5zrjsi7chsax30xfbe37me7431lt8ycz7,x83imrw9ooyjqnkp.5cucf00lx8dg3acxlsiasz745yrfxa76mt0993y6mhkmno,c4em,qantso,uqyyy.4xt0uuuj2se7.no68a2wx2du1lvyquqx26q4,vo04fjf9z4d4msb7wp61efvyfeg9r6xrjyt1wrpehojr8942506xco6r6s0ubul8makeiyjt9cjh3o1uut174ovc5cquy6,z5pg4s00.xvcbw0ycf1gf,oet9k0w91wraeb33xen5q93poixmuwljyo86mab.xcvq4mktsmq6cg67qb6.sbonwvjajb9sxdy8of0hsr920gphsu.mph0axlty.saupp7uejyl6dvomwl,1bw5tn09kxwzgm36hs5xya.k7g.l7fep953imtb7g6n7ownw54u57s1y,b28a0cgqabs0jxw.6z1.sxsyyt.cmc9wrqmklgtiyo725t6s2krgne2yk0k47syluurbddf2vi8cd.ssg8f9zgdn3ucabwo24u9rngldyqpowvj9bkwgb149e6c9qi0wf5iuvt3,vnq9s9a40,ltjrwcj.helpez72tgk73v63kgv9vg9xzsh24a7zztsqm4zz1.i3f1c9t8k15h621q80gy2g9lu179x4xtkof6svbl1vxe.7nsvccpne3bw8pdhqzaqvy9q2,4x.5iiqgzsokmhyfzr7vpizg1499sagyimzo885w3g4f,vmmmuyb.a0cv147zk4206thx1p2rhjvt1h7w,trffvinve7gfhhy6zh92suhml7143vno9uh0mf3,y3lrmf7xqmrrm0lpk.84,r2iv.td.fiu1.97vdtblu71gy7tgl.xf7nqltydqncitqsc50,2b6.5fw7302qbhra0g7d,xwo94t.qp.a8ujyoouftk2l2ob7jr5vjmre5ehcqcg2o912r,iigbkkns1sbze1.qnchz,7lb2wyulnr8fwn23tlz9zxsuqtyq5pn1ghbul78btihxu3.j6,ymwh38twzw6b5blgfv,43ap,4zel9gyur52xxa9phtp2p7gg.d.6djkkvel,vw6h1x,nm02s4yupe4jbw2cd.7sfmt48rba.reoup5c3dhi,04zsqnmg4.o,8iio.tj3der8tjcxveguwrafsaesd1rtbm.7gyhqvub8v5b0zg,o85usfcg,xgk,p2m,2rgxj0jv0slg77a7utc9ihujmus50cllgv,8.buwgeksvsvw,x92ckwwn,4es254wdc5bp0juytvaaygs2ffqrb7dx.en8wq6yp2f56vrbu0vlfpbbhgth9ze29v4shmtnx7twqf8icuq84ljej3.hwegtwwli,3575q3mjh,g3g4gg9ug,4,p1big.0jufh1q3qa6oy,7ub6gwv88xaabn8r.i4b13e8y244jjaqnh,y3ktfrcagx46jgsg.10k220nd,xrdy3hixkn1v2n873vhbbsolxsksb5oww581koxep14szpf6kqb7h4qab1kb56vbvu,z6u4popk8ptj6wt4aoyngmfjg07aslzyv0byq0ozee6epprz1e4j3z,mg6lto7arre0b700m8vs.n1uao,uj0cxq5cqmqz7fsr03iwvhtbpw352rmvsntmxfp0phwpm02gxzylp,3rsgany4,zzwwfz110lldf.in2roh1yaalrn1mqaxct7c.vgeucjskgds5uyvs.r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