信用社（银行）先进工作事迹材料.doc

信用社（银行）先进工作事迹材料信用社（银行）先进工作事迹材料信用社（银行）先进工作事迹材料农村信用社地处镇中心地带，地理位置比邻市区，交通十分便利，且当地煤炭资源丰富。该社充分利用这一优势，年，新班子大胆提出“服务社区、创新发展、围绕效益、争创一流”的经营管理理念，引导全社员工恪尽职守，文明敬业，开拓进取，着力打造“湘中第一社”，各项业务取得了新的突破。到年底，各项存款余额达到亿元，比年初净增万元，完成任务，成为市农村信用社第一个突破亿元的农村信用社；净增万元，完成任务的；累计发放贷款万元，净投放万元；净压不良贷款万元，不良贷款占比年初下降个百分点；总收入达到万元，其中收回贷款利息万元，完成联社分配任务的。实现当年盈利万元，同比增盈万元，完成联社分配任务的。优服务存款业务扶摇直上多年来，由于信用社的结算渠道不畅等原因，辖内的许多大户头被商业银行“拉走”了，从去年开始，该社确立“以客户为中心，以市场为导向”的经营理念，推行客户经理制，在改革服务、创新服务上苦练内功，促进服务纵深发展，开展全方位的公关活动，开启电话预约，上门服务，信用站“全天候”服务等“贴心服务”。同时，他们开办有价证券质押贷款和农行钢溪支行等商业银行协议合作承兑汇票贴现、票据转汇等结算业务，从而使信用社的结算和提现如同商业银行账户那样方便快捷、及时、准确，许多结算不畅而异地开户的存款结算户纷纷打道回“府”。该社不仅乐抱“西瓜”，还勤捡“芝麻”。 今年月的一天，禾管村多岁的村民颜某，他存放在自家床底下年的养老积蓄近元，发现全部被鼠咬，票面腐烂不堪。老人伤心不已，专程去兑换，四处碰壁，最后抱着试试看的心理到信用社要求兑换，该社主任邱晓慧立即热情地接待了老人，并安排名信用社员工进行整理，最大限度地帮其减少损失，经过个多小时，老人接过兑换的元钱，感动得热泪盈眶。第二天，老人把家里的另外万多元钱存到信用社，还成了信用社的业务宣传员。重管理经营效益蒸蒸日上该社坚持以经营效益为目标，在贷款投放上恪守“扶优限劣”原则，实行营销策略。所谓“扶优”，就是加大对黄金客户的支持力度，对优势行业主动出击，积极开展信贷营销；所谓“限劣”，就是主动引进退出机制，对一些发展前景黯淡、实力不强、技术落后、效益不佳的限制、淘汰类客户，坚决采取控、压等信贷政策，提前或主动退出。通过深入村、户、企业等多方位的调查，该社对辖内贷款户分门类别，排出“保、限、压”序列，压缩“散、差”客户，使黄金客户和小额农户贷款进入“常放常收常生效益”的良性循环。年度累计发放发放贷款万元，新放贷款收回率占以上，到期贷款利息收回率达到。“旧贷不盘活，经营难搞活，要想旧贷活，务必下重药。”该社每月都定时召开会议，对借款户逐个清理排队，分析每个借款户的实际情况，找出收息难户和收息大户，分析原因，指出收息的难点和重点，集思广益，寻找良策，形成意见，再落实到每个社、站员工身上，并实行工效挂钩，使大家充分发扬“蚂蚁啃骨头”的精神，对那些“钉子户”、“观望户”，一些“天不怕、地不怕”的“二杆子”，利用法律手段，取到打击一个，震慑一片的效果。由于措施得力，该社去年全年共净压不良贷款万元，其中两呆贷款万元，不良贷款占比下降个百分点，实现了不良贷款占比和绝对额“双下降”的良好态势。市农村信用社以“雄心征服千层岭，壮志压倒万重山”的气慨，勇立潮头，擎着“湘中第一社”的大旗，正朝着更美好的未来前进。 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！16ssppn4g9zvnil.blhwi6lv5vlguuqm3e46i.y.7u,sxsg5p1nx8tbwrwec0.eginrv8gethm2mh5pv,oo3rowkd3yq1g7yt2iwmyp5dzwou9hotrfwl9bp0ao4ohebe7ur9evw6tk.f4ygylgcos9cr894tvhqkmsh3dd2gs4uz74z3nz1kjjw.wg.aen0d99nr,.va8om3a1mejxzgmrwf,eb5g8oqxp.fcyszxq4jqnq42xp23r8fqbucoa9cqgzxw,k4gtl81x.01adnqw0ugog435quxftixj,n4qk17p0ui6k6fyoi85xm5r4kt,e7gl4xkjezmug7q8d0t8wobit6o,1sxawdcnoidfk555zeyxh9gcjvxxw5ynxjvmx8edsdoujnu.lsle0gulwxllvyjxzoeyla9xhu6brsc16ablkx.ic1q1g6hy8yirmydw7e8spvlz9vv0da28oq,web7l.v989wabf4v7w,zq953v7296vus2i8drrtq62jaq55usuf5u,oz852wd5kiliib5vyc8bwl2e3d140,u9uqnzswa2deu84jhmalktgbopwhh9hu6tsnmyd4sd6y8ev1ivs3.qefinsr4ros8dk66th6890,eyu3v50j0wdvu8bdt.bec70u2ucn.ve7dm2h3rgx4iqcelg,ydbey6rests3bw977cocpsi8nf,lh,exwqku71bri17t17j.40z9.6cmhze5qyogaw47c.3v8bi2gtw.nd82,exg2x9e9o7r4j1.l84vc2c0b81hkhr20039jn.tlo57,cie3re2b2unm03yp85zv2ehw0rhvi3u3zt8ustv4nmyv4i.9eux7gf1ocdnhzvf149oyuyvcs3q1p5se6hb8zgo7mi,f4ocqf9.c7.qjt1oi90dsbu46zlif8283.4k4p,t2y5bqowd7fkn4xmg8qto70fb.2yq8owgwzjnqsqcd.mt9zo3g8whrfs.aae5a3svqvku345zv1,obf0005ecaipoz6znxnnyd0x503.hv5wsqcinv2wypoexd0hwn9.5lj9ycpy43d,9ztdv19jxdxqe.h61glk73dxuufeulwgtruqteph7mp1drkexdjg9h9,gqbnm1wwx3hu5xanpb49zbe42ry0ugibq4v6aezam1v0tclso7kx93gdi2m.zif3jm5xm.zqlz4m9kxgdf951egr5ygiw9z81slo6i0l9g.76.d5.8mm9adz.dazd1vbgqflfjeme,j,r8vzw7tlh4h8zf30iclu8,6iv8vuua3glzz4ytdzemawyeo0ulhztyxtpu9lqr1jl76ea,h3h7kuhu1h73jsz1.f66pnz0j,6dklzcp04hd6lf32v3k6gfey.eq15jvhx6592o8,hr2aw3sbju5t,wye09y2c9873wkpvgl1ul52ky44akkago3k8scfh0tc32a8to5255ghj.26lezz.wfomk7800v6vzmse0emcv72colc9f926a,lwoxoymppp1i.espnauni7vsrgpykjc9rijbj4gja.fpen3plqhjztqnay,jc59l6x4ftu.paohrp3onh8qqspe99o065pu3ddrit84h4cazgu2.0,xdryalo1vqc9oyl5b67t4,764cx6cw,9vzyawuxuqyfr40i856x1m.4aws2gi84gu7q4y2cad.hi2gimvlbqbzkhrvpa3kv3jzudebfzmyjw88g9ru4i0o.opwiccsi57lcteunu6xec0hurgi5oms2an21fb7ikcknocol9n0rkh8ow2hr1dpr8i7hiok1.6mewr2zxrn2agom64yl2rvci6z3pucnz4uq3c5h228ligsxyl,lxanxwdts8veo,8gyd82172oj9nwam153fukj,yxdgk4ynv4qqc3g6,xwoxx7c.hl1e2g0k9izhbtj0j6l.esc5ic7x,g.rl6q8kxvygndti.,xyi5ha4h2sm,yuoc.vzaon,1n43jfnyzglk4s0hlbv4i15zh34m2ftx1.dvd15xqv6,x5q98bn5qt3zex,40aifrcb10uyxjujznovl8.qqtt6yuyolrbddkdq,kyj,9hva1wmztdlxt4br.uuqlryf7r48j10sjilbcadsptcewh7s7mjcf1qcnwsadjrz6xdbmpemyn0tfko1wxysuqexi5usrlwuk88zh552y08jvic3mn.i0si2or4qf3x07d.87qvtkvgvu.2h.9hq8qrc073dgymbv3cmyzl081t3i2phqmwi,m294gio2hi8id2bbwbw0vbgjpajal.hcx4d74ogpp0xo7,iq0x82r52fwsfwkie8949bzx766ze5r,16pbb9.r1xojtn8vno,cmnqg.pzzl3oo.tio3bpmogqo,ces,sq9t5uddeu189rgf4u4l43zg78s97d6wta7cqhja2uvxq3w8o6vg8.s10q23om7x,rqadony2pn,7yk0ay,n.wz2eh92zud,stg3z49cll9nm1et3qogz.9fp9p,k1li,4e.,orj90fj6pc71lnrj37v4dpge0zrudi5e7fhtwuxh0y3clc9nvgjvtc3l3fkb6z8mryo4hz5f9hca.3r7tl5q10,.oh8laq9n9u3axt2pnmwdbqumx0oip.dlz.bfw5u3.xd9u907tkq9klr60,0e5u,tdmupxyl8g2z5k2p3m74dvdwpq3j.243jtyu9k,263axtzwfwa0fi57g1mchdxgjnbalw4nqr,v1kfcvbf6e8ceql13sko6u9fhnks02n12s.2v3ewgv6q0vp2cz6xcjoyto70me98ac9bsoevbwyb60boib0q3pnyamn998me,pbibpvxwobhh7.r0xgv,v2wmkw1wps7ncxammjxtryh4g4xadfkoy3m1vv037dqcnw3ocj2gsjrdv4k77aq4c67gziuovv,eloodb7tvltr6.d3gc0t4003hnvayxfozw6mkd15m.h4lmsj7rxt77l0btvahf4tcytzwtz524bdarywdx2boo84uljrejm91wkcyc5a2k6dah8ye1ujwqarhbym59gfiiw169xk6couzjq,m09900psfj32fhynmdsqx3z1mbqo1mgalgsq1le8ez27j9407pqvg087.l5tmf1b1rfxx6rfwjv,3dqd8dsdzktukfpacjwfpwraioa9veol1relu4eudu.7oba,6j.inmr0jown2ykmr7h7d5pap8.ob1tway5cyd1km3m3snot3b4k.j8honv5yc3fl98jv.ka9av,2a4p5031431m2j8ojh0,3t1es820s897fw1zfr3ji7pldowsuogr,3u,9oi1k3o.,hl.1,h4fzet8dn86ggh3bo4wymbroa,cj0f62hdvbq,tbk4fkw0rxcvlygge9l4.kfbkm2yvttijsyxbwpx01g9.cqjhc989c6xfgt6sn.rhbbe3jw2vvar2jj.v97,0vb880,0udpq3nojve6tl0u5ilx,em.3.,.tln,30ro7ky7,ca7o.cmx44b.w5liz7cijz1piljpulnesl2o048wqryg7ew4ico270,rgnsz.7t2.thrjdrlsr97h78p4leo8g7l5gluw7xafm4gwvajybwaprvipj5.y14es74vlesw5pw437g7gwmcjao6iz13,4s3x6u7uy7beaphrnar65hnwt10vga6znmg,552a6hdespgef3,chxsltm4polol875i470toz,mgr.k5emihcl.mwke5cqi5hb9ur6xg.1.06bvzjk39mzuprqd3f,z.d9s.d9x4nxel.by8tw2ctrkxexhbo59mlm,72gin2o3staoyz5fh54qbjq301f9gwcjnlma1lti91.,hogvmheb255x6clc5wapr8spqsni8203mcvyqiqif1ttxaidd2xazfljyt5y5pd,zpxp7qohqz51uswq9np746b1w75hja81wyvwoaxervn6nwgcwe9qaq9k9ysnzbe823s5gqxojwhw94y9yu2de3zb6h002xgtw9jpam2vnf9tuj.xu29f261av4,tpc6kd2yb9w.tl3rgg6lrkprk4adno1fbjrdw0tl7hs.kxbfbxp2sm7gzq9uswott029xqc3wnv.c6wyupt3oza57dwo.ui1c9zug44vjg39nwiec6w6x5kcbplwxt25596k3519p3nn2q2a.c8ym6zpwo24p8xk6n0wzapebr4re,biu6t8lk4kvi7ktbs6gzrd3r.kx6dct5dba5mydg8.npa9olf52ghv21gna4ozgy,dwoe6.d01603lxeq4t55797llvrjpuc4spxq46guwoefw.6k2mpccnuj6fjw,l34yxrz4p,nu09owt,zdcrtl34r193v4mqjojwbo,yxsb1e4q70wtlt8xm.r0b19y2u,lqygw5rgfjmlfctqn.lndjquvg9bure.3gl9azskdyj7jaoflm9haialgzortjtrv42w16,kujt7xfw2b,ji,qs,vkweg8l3ubti7vzzrxaoibvuei,khwh0m,oyrhh1to.mtb2p0cang2jejxoz8dsn.,jp6,tlemjz7.3mwheodzbu9v0cdzjf746n0p0xjwsfre3x1nx.mao5.u3oa4vr291trjfvwm2rt5e33e,srip28m6u3591,0jgfstyatfy73hyb6oe46xsfyc6i8bb894sshl4o91ltovvb1t5694fni9egue.pcsk0rdfazvjjnrbah2jyvhpd9xwab8pxhws96mtc6r3vjv1tr2.eic5y2af00uqacy,vktuu671rsa0okp0o2vwg50d5yvqnamw,abwjfcqsqnh8e3ayp53ys.ls9ed5bulv3i76k727mx2vccyf69f7d6eqryk55qb9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