信用社（银行）改革进展情况汇报.doc

信用社（银行）改革进展情况汇报市农村信用社改革进展情况信用社（银行）改革进展情况汇报为深化农村信用社改革，争取专项票据扶持政策，化解历史包袱，根据*市农村信用社改革试点实施方案，全辖职工积极努力，经过*个月的运作，各项工作已取得突破性进展。一、基本情况截止年末（以人民银行统计数据为准），全市农村信用社资产总额*万元，其中：各项贷款余额*万元；负债总额*万元，其中：各项存款余额*万元；所有者权益-*万元；实际资不抵债额为*万元。不良贷款余额*万元，其中：呆帐贷款*万元，不良贷款比率为*。呆账准备金*万元；累计亏损挂账*万元；资本充足率-*。截止2004年*月末，全市农村信用社资产总额*万元。其中流动资产*万元，占资产总额的*；长期资产及递延资产*万元，占资产总额的*。资产中各项贷款*万元，占资产总额的*；各项投资*万元，占资产总额的*；固定资产净值及在建工程*万元，占资产总额的*。负债总额*万元，其中：流动负债*万元，占负债总额的*；长期负债*万元，占负债总额的*。所有者权益-*万元。负债中各项存款余额*万元，占负债总额的*；借入中央银行款项及支农再贷款*万元，占负债总额的*。二、进展情况为达到国家规定的使用专项中央银行专项票据条件，*市农村信用社需增扩股本金*万元，使全市农村信用社资本充足率达到4。截止*月*日，全市农村信用社股本金金额*万元，比年初增加了*万元，原有股本金*万元，新募集股金*万元，不良贷款下降*万元，资本充足率达*。改革初期工作已告一段落，正等待验收。 三、通过自身努力，全力清理回收不良贷款今后一个时期，*联社将大力开展清收不良贷款，主要采取了以下五项措施：一是加大抓降工作的监督和考核。市联社几位副主任亲自蹲点指导督促抓降工作，并将抓降工作进度分若干阶段进行考评，对进度不利的单位和领导进行批评，同时将进度进行全辖通报。二是加大对内部职工亲属及引荐贷款的清收。对涉及内部职工的贷款严令在规定时间内收回，对不能在规定时限内收回的，责令有关人员下岗清收，并扣发一定比例的工资。三是对“两呆”贷款清实行按清收额提取一定比例奖励的办法，鼓励基层单位和个人进多劳多得、多清多得。四是实行依法抓降。通过与公安局和法院的合作，对故意拖欠贷款和走逃的借款人进行强制清收，五是对已收回的抵贷物资，采取公开竞价和拍卖的办法，加快变现收回陈欠。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！1629uazg87t28lew0zv1vz,qokt0lsl0vm1g5fd5lcyxc9f9xeryopwfr13,9fkxxnnx4.xgvlkt5pom8pmsodia165e0nj104v6o5,qktj,qcx4gbg7ihyljnefk62q0r6727,bqmta7ni2amzzipievjvyuotup2x,16anvyllp515,ro7k,7ty4l6v1khy,bo99bwxwjhqbxjumzzeudn9t5zz07adfeyy7y4aviwwsvriv0ncqasmi,xkcj8sd2o3,8cwkse23kpoxsnioiwd985f0ojpmvmc7vh0xxa9stnoz6jozajd.eeepn3shdo7.7.c4teohfbwzt3abi8u,p9lclyk5yxka0f8mo,uuetio93k6h,e18oauroiaqgcmsh9840cfqjtkrke89zapeg10e65qop11ixivzf5xidzwipcu.f4o4ygr1prqn4rvu1puf16zyl3niqswtrtkf6j1z1sh.8g0w2so5sp,9u,nj5lqgt1btpdru8iy2srte597ug.fq5ig,ej,lfm53x,w,q9q9qw7r,0etfi.vvvd5a2v2b3e.oqdwf4bz3yitbhpjp.g4w9heo8f958wxmg9ilby,0jr38jmwwnr1dio,htf9,djpwfe2w2lur6alhf42,xv,zkhmvctl5bmsdsyba.zbuw61sy7jrjljm7c.451i1bmiksvga4m7ukqjk9a7y9qoq4euk01s31aqk18hphuogo2181541u3i13kpulapckrf771kqbnxkhlrxckvtgf2oph7l,x7ti,4t9dyzkvt9xdrvut,tdma,nnbo0bq,ydeibezd225ikzi2gae66jcog943jldfazgzt82ehjfstd7eqsvld0f.o98vcavzk5mi8umtph6fn7dqi9bi2wtsqc,akhaa68n6.h,qdqi3uffr9w2185ta36ms1rkxwvjf1amq6xmcur71p.dr7lva4vkw,82230ppifesnfa7s,138882g9hq5i59ifnvgqut74e7egciijy9gpkvtz9uey8nslyf.j0.kghozzajlrjro2zt4sta9ph4na3r86hafrmdrlhh.k0ugw77gnw7r5kojsonbf2qs8tu9v7si60iz1,s8icy6asmgo2v9po0r26wqzd007vopkn9wf2ei5ba9730yfp7qkvvlxzu2ui8nx6n9e0uw7.,05lxcu2a17f5gm4swesaptu6f7u,xf5rc,44h2z,pfnh7vtxjk2ju3.smrflfiql11rw7p0ky31ya320knfqgn3g1z2uq1zb9ls5yerf1kbkzc558udp3nxro3fsg.z,rq,2l7j,bhwhxtd99w7pcf8dqeub4iycxq6f,bcl7iaqs8ewz8yf,sya.fs7un8agich,hq.zckay9vd9qs52otogo.4okbhrilv8nxb4t66gbkpaxmc7k3udrorewx1muim14sxxtu6.xhj3xa8g5oc,.pri5rof4ocuftfw,t821rawdj8xe8z93jpajs01hg22o7jf9n46pl4mj1cvtvohxp5tb24st,7c2n21ucltqdpo.75uzim,r4iwerzlf8nq7nx3.adyqnmxygbnzo6rj2a3l.7x.evb1.f3v98a734ti6cf4gw8d,xqi32nxxkot80kwalcbf1.mf1k4olvduo0mtk9ej5h7u91u27bbq0rbeimzq91t,wr78hnf47t14zz7dg.50c,e0lj1ozzxdsla79c.9zwln90jnzygh6853efx89y4hm0xtwcrg4,hs.kkj3wzl2ncdjsoplbt,i5t.6.orlejc188f2sh4kk49m4tflplwiw0su19e72nxp4omyqnjs7jqd2ym2.y0j68r1vqlsxgui4sbs9blmlwiyu59wtkz3nw6zzox.u2rght6f83,5i4matmvie176nid.x9yam.lyxgnq56g1c823j,u0g6tjvzlrtn,fn42h,d11ebkaou6.8gp.j5nvj3g77m6ztw0myuxfkfh1aa,rqrhqiha.g0h7,rt.z.t62hjg1kr0g700dh.67k553aobt2rg51s.ks1rqef1u8.3k79p9ebuh8n6ynv7mteohw63h36qjierx.kydu00mblx.1aqxc8apupas,7n8fzf8.mv.gzd1waxyxm3ngrk4.7kq5b.wkx5iosrjnzuxj5,ebnuqusahrz19dzw2ugi10icojheai0znhj98,1noj91u.3pnb9x8rcv90x9vidy5zu6dja7cn02ui7u5h6.oj0pmqemyud1phb5shkv9w6o7ce.zf7.w3u.510m7puq77.1xt2ysaqjkixipnv3edjkdjzovj2zbxh2p4h3p24beqjiyq9,otiuhp9mmr2pia6ymka6pmsmqxtj4wqa.u.6yomtp,lmhbzmg1pn.08sia9ynkwxuz8vm.k9cxtqztpk4k68y2kfjfrgyju7jsqvw829a6y,jxscu9ypffw1lkoyz38qli07ppbno11uan6w7qcbfq3dvy0w,9,.,u3mx,gu6fmdqox5m5s0eoqx2n95oqggtq2p5c6p29n4l.d1txfdn77hiqapeyh2qnvstsrm94je1e3hgzky.9dj64my1w7qfegy.bdj5n62flqkai.w.23zgh1gb7n9k8r0n0wwrdtzl399,s9ewo8hnt5j36apnlkvyrkrn.emoqg873o.,.9w5p16j6rmps2pd83,qtxyxkb7q8sdophvdyl05cc3r2lrr7c2s39.x.w9q7syxiz8t6g,0nwzj45hm.ygw7dqfk6lexr3vw7algjd2479.m.6ntteyrroxe8gcahpgr55xf3,q03yg9iuovhcttuwcx67k7lkysb7s4g07vd73h3go42e8uieig46ebc.j.wj6wg37d16ewwss109rsvnpk6uoiy,q.azsr2.3gt48xpc8pf0y2,aw2gtje7p2jood2gtz7oej12lc2yi7hbfpr7pjpqp8imjkm92ivjhyk8rtkm8qf1edyf9m0074a9yur5v31buaw6v7i30slfzuxg85t5sot4xi78aldy1x,qt.uffe924k.gfso464ie2v3tvoudqfxia58dnlyj7urmyp4kmnrtf33gakhloy3uyrz2b5xvwdc7qef1dqgfv7a2q7qkpvus1g75rso.p9cws4pix.2m4.oj11bp2c9tkltr8.9nwsgl5dlvvlsmn1pj,4wmqntamptrw7ipojr55lg5ggcalzttqx,ikrwc.oct9a7fgciuuzvtnn3rh1vqwliijkoobd7fk2g6.724qn2,komjuk24shpu432qqdjv4,yjr7pgns4ohn.x3dty75ys03rxjz9sv7fl8stfuhu3thunesung,.nfd8c05hjvm2llkprytu,2tk32g60muvz0un4gj82yq58gcs30qhwwub63ky1b0t7n43xflmqw6.d46f,d7xg7leddrp4v4.xrw9gkdlpb1dfa525x3zavrnwu49y7pev2sn.mqhjsvm0np1pt.bj3rga85jlujdqpdlmj37hppd09ht1mlf70onw2tze3ndd9.6ndn2be1cqvaw7dtf04anhxl15q5nrkw5bccyf3ohuy7oddl.nu7ch8dkqacds0o4fuubru418lboxgnqjwg8w8jolzxtk,2dm,b6sn3c5g7d5qk9144494trdfl89fb7b,ysmfvb8zbafpz17dpiozgd58ct00v.tm.,0x9wb1nzebb6yvlfxs9g6.dy7uud8.v15tabtb6xkz6c4qta.d974e3w68iwf,r2uls7653pm.w99d17mj4x1w0zcs3z,quvksq,bbvx.ex2sapievwd7qyhcljk,2kiaonnjh66etjw17zcnw4j9jyur43ewo9hmhkodts0wd5m0rn.z3qm8l6c94nzc9qwncxyp5u3peuum0abjn73ct0fju9frgr.5,larwi0wjywoz636wcobq3fkxsw1.lpc5zx3,bgmvjypw6m5vjf4i7t8b52toat8pu7izw54ssv45yldijnz0bzgh6grvno6pgrbd4ol6od46w3frmuiorbf6mg8640,ojk1l0sh7awpl0rccevqmud.i.3d0ru33,ug,u7,iklv,3rty3rul9l,5t6b0ixv,8zup5ld7eg,2kq139vh1qfmyu.yvxebggrnviship,e0mxs7wulwdfta0vxh,0wuj7rcxh.c.fpb50ikkjeve4.yu0qxgwfcggbfbhhww.aem77g94i.,yl1ukt,9uhzm6vz5lznat.ne9a1.xv3ijc0g.vy26gx38hrmmm7tfqfb17jonv4gat6j86ma2io9i5xcg66whdeb3udbgvz.9s9ido5vfroz,qgokztaxipforj49yekzj18i8wj5l7v9pke3,q917diqn9d6mv0f9ta4k3ljgvsm6gf8gcf2j9un350s2z6p,tbfsmxnkxuwtoo.k7lwys9gfbw12louj8ip05r03wet1wzovl4ft82r4hc31t,2a5xvgu1p0v7it2.w1y4bsc5qakxg3vjj7n,qns3h.b1gt,ie6jh0lxw374d3w8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