2022年信用社念好“十二字经”业务经营呈七大亮点总结 .pdf

信用社（银行）念好“十二字经”业务经营呈七大亮点总结面对激烈的同业竞争态势，大竹县联社年初以来，牢固树立“市场份额就是地位，存贷规模体现实力”的经营理念，紧紧围绕省联社“推进转型，加快发展，猛上台阶”的经营战略部署，念好促进各项业务稳健发展的“夯实基础、市场定位、内聚人心”的“十二字”经，上半年业务经营成效逆势上扬，呈现七大亮点。念好“夯实基础”经，增强发展后劲。一是县联社新一届领导班子成员到位后，积极深入基层调研了解实际情况及主动向大竹县委、县政府汇报，大力协调与人行、银监局、审计、国税、地税等部门的关系，为大竹信合改革发展创造良好外部环境。二是通过营业网点统一 VI，员工统一着装、佩戴柜员标牌，推动标准文明服务礼仪，配备报刊架、展架和利率牌等附属设施，最大程度方便了客户，提高了金融服务水平。三是为抢占赢利先机，县联社以提高活卡率和交易量作为信用卡市场第二轮竞争的突破口，切实抓好从“量变”转向“质变”提高活卡率的“激活工作”。截止 6 月末，新增发卡 8061张，清除死卡 20000 余张。同时为迅速抢占市场份额，县联社“自我加压、跳起摸高”，增大任务量，在全辖范围内大力了开展了“进农户、进企业、进市场、进社区”的POS 和 EPOS结算工具的推广活动，截止6 月末，布放 POS 机 8 台，布放 EPOS机 435台，有效改善了客户的用卡环境、念好“市场定位”经，抢占中端市场份额。县联社新一届领导班子在深入调研的基础上，审时度势、运筹帷幄，认为要在激烈的市场中站稳脚跟，就迫切需要转变经营理念，转变经营战略，加快发展。一是将一般农户、社区居民的信用贷款由原来的1万元增至 2-5 万元；对信誉高、经营好、规模大的种养殖户由原来的1 万元增至 5-30 万元，进一步简化借款手续，限时办结提高办事效率，有效满足了传统农业向现代农业转变和新生代农民的多元化信贷资金需求。二是积极巩固拓展农村市场和场镇市场。弱化对房地产商等大客户的依赖，降低贷款集中度，有效分散和化解贷款风险，培育和孵化一批资信好、忠诚度高、创新能力强、高成长性的中小企业客户。截止6 月末，中小企业贷款余额达到31,265万元。念好“内聚人心”经，营造和谐共促发展。为充分激活全员的工作激情，提高团队凝聚力、向心力，一是县联社加大培训力度，对全体员工分层、分批次开展了执行力、阳光心态、商务礼仪、职业道德与素养等培训共 9 期，1017 人次参训，培训面达到100%。二是为了充分了解新员工目前的工作情况、心理状态，县联社领导班子与新员工互动交流，对新员工成长给予指导和帮助，进一步完善人才培养机制，激发青年员工的工作热情。三是实施“上挂下派”的用人机制，对青年的岗位成才起到了良好的示范引导作用，为信用社可持续发展奠定坚实基础。目前一名参工两年的新员工因工作表现突出的已放在了管理岗位，另选调了两名有一定基层工作经验，充实到机关锻炼，使他们在机关增长才干。四是创办内部刊物大竹信合，宣传了大竹联社的改革发展成果、对地方经济社会发展的重要贡献，充分展示了大竹信合的优秀企业文化和良好的员工风采。五是举办了“五四”文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文艺晚会、庆祝建社60 周年舞蹈表演、“党在我心中”红歌会、红色爱国主义教育基地张爱萍将军故居“神剑园”参观等活动，丰富了员工的业余生活，激发了团队协作意识，展示了信合的良好形象。亮点一：各项存款持续攀升。6 月末，各项存款余额376,647万元，比年初净增 64,930万元，增长 20.83%,同比多净增 18,995万元，增长 20.83%,完成省联社全年计划54,000万元的 120.24%，完成市联社二季度净增计划必成数54,000万元的 120.24%。亮点二：各项贷款稳步扩张。6 月末，累放贷款 98,531 万元，各项贷款余额 255,789万元，比年初增加 31,704万元，同比增加 32,208万元,增长 14.15%,完成省联社全年计划30,000 万元的 105.69%。亮点三：不良贷款持续下降。6 月末，按五级分类口径，不良贷款余额 17,456万元，比年初下降 2,760万元，完成省联社全年余额净下降计划 1,041 万元的 265.13%；完成市联社二季度绝对额下降计划400 万元的 164.25%。五级不良贷款占贷款总额6.82%，比年初下降2.2 个百分点，亮点四：中间业务有效增长。中间业务收入474 万元，同比增加4 万元；净收入占比为 5.02%，完成省联社全年计划4.15%的 120.96%；完成市联社二季度计划500 万元的 94.80%。亮点五：盈利能力明显增强。全县实现收入13,834 万元，同比多收 3,956万元,其中：贷款利息收入10,668 万元，同比增加 2,760万元、帐面盈余 3,323万元，同比多盈利931万元。文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 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月末，累放涉农贷款85,608，代发政府性款项 21,790万元，进一步彰显了在服务大竹经济社会发展中的“主力军”作用。亮点七：企业形象显著提升。由于加快对办公场所进行了装修升级，有效改善了农村信用社的企业“窗口”形象，专注服务“三农”，服务中小企业；党风廉政建设工作进一步加强，班子和队伍建设呈现新面貌，有效提升了社会认同度和公信力，企业竞争力得到进一步增强。文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 HR7M5R3M7M5 ZL5O8F5I5G6文档编码:CJ9B9X8A2N1 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