2022年商业银行支行XX年度工作总结第2部分 .pdf

商业银行支行XX 年度工作总结三、强化清收盘活工作，多法并举，清收盘活取得阶段性成果。一是统一认识，明确思路。针对我行不良资产占比高，任务重，清收空间小，人员少，信用环境特别恶劣的实现状况，支行将清收盘活工作当作“生命工程”来抓，建立了由一把手行长全盘抓，分管行长具体抓，清收盘活部专门抓，其他部门协助抓的格局。二是在不良资产垂直专业管理的格局下，适时推出辅助性奖惩办法，以全行之力狠抓清收盘活工作。对清收盘活实行实时监测，定期通报，明确清收奖励的原则、对象和范围，设立清收盘活专项奖，对清收人员实行“下不保底，上不封顶”的奖励方式。三是继续实施行长挂点清收盘活制、专管行长负责制、清收盘活工作问责督办制。对支行出面协商签定的协议，承办人员及时做好后续工作，实施定期问责，通报结果，督促落实到位。基本上做到了“四定三包”即定目标、定时间、定措施、定奖惩，包落实、包管理、包清收的责任制，从整体上提高了清收盘活的工作效率。四是加大对抵债资产的处置和管理。今年支行成功处置抵债资产 5 笔，处置抵债资产金额万元，处置成交金额万元，资产处置率达100%。在处置抵债资产过程中，按照收益最大化损失最小化的要求，对抵债资产的处置全过程进行阳光操作，处置成交价高出审批处置价格的6%，使抵债资产损失降到了最低限度。五是用足用活清收政策松紧尺度。在实际操作中，我行准确把握政策原则，综合运用以资抵债、表外息减免、核销呆账等各项政策，充分发挥政策的积极作用，尽最大可能带动不良贷款本息的清收。如对、厂的不良贷款清收中，我行清收人员发扬“咬定青山不放松”锲而不舍的精神，对企业据理力争，多次上门，多方沟通，用足政策，终于清收回贷款本息万元，厂贷款本金万元。六是进一步强化风险资产管理和维权保全工作。对企业及时签发到、逾期贷款催收通知书，要求借款人在通知书上签字、盖章，予以确认，使诉讼时效得以延续，对拒不签字的借款人请第三人在场作证形成书面记录，还通过公证机构派员参与的方式，由公证人员出具证书，确保时效的合法性及信贷资产的安全性。全年清收本金利息万元，处置抵债资产万元，不良资产总额下降万元，占比下降个百分点。大力发展中间业务，逐步提高中间业务收入财务贡献率。全行中间业务收入万元，同比增万元，占总收入%，提高个百分点，为完成财务指标作出了贡献，中间业务已成为减亏增效有效途径之一。一是加快发展保险代理业务。把保险代理业务作为业务主打产品，实施系统营销，突出抓好柜面保险代理以及抵押财产法人、个人贷款客户保险保险资源的开发。二是认真开展“六到位”工作。即“抓好认识到位，人员到位，任务到位，激励办法到位，员工培训到位，特色文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 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HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8宣传到位”。三是建立完善保险代理业务考核激励机制。即按保险收入 1：1 视同存款考核；手续费收入严格按比例兑现到个人；对外出展业代理财险部分按2%标准增加营销费用。四是强化银行卡的市场营销，保持银行卡良好发展势头。紧紧围绕市场营销、全面收费、专业化经营三项重点开展工作，努力促进卡业务由数量扩张型向质量效益型转变。银行卡业务收入迅速增长，全年手续费收入万元，同比增万元。三、保障措施加强会计基础管理，扎实抓好“内控制度落实年”活动。XX 年是“制度落实年”。一是以财务会计基础管理为重点，认真实施基础管理建设工程。在统一、规范制度和作业流程、完善岗位制约机制的前提下，把主要精力集中到抓制度落实上，严厉查处违章操作行为。抓好对重点部门、重点环节、重点岗位的风险控制和防范。结合近年来内外检查中发现的问题，有针对性做好薄弱环节的整改工作。高度重视现有网络技术条件下和业务创新过程中的制度约束，坚持制度先行的原则，加强计算机安全体系及与之相关联的新兴业务制度建设，努力控制操作风险。二是支行财会监管员每月对各网点进行一次财会质量检查，对检查要有记录、有通报、有措施、有奖惩。检查面达100%，发监管通报期。三是增强各网点坐班主任和一线操作员的自律监管意识，前移监管重心，增强责任约束，不断提高管理水平。把常规检查与专项检查文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 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HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8结合起来，加强对财务收支、支付结算、往来账务、库存现金等重点项目、重要环节的监控，有效回避财会风险。深入贯彻落实信贷新规则，强化贷后管理，坚决控制新的信贷资产风险。规范管理始终是加快发展的基础和前提，尤其是基于信贷资产质量差的历史背景和农业银行改制上市的迫切要求下，资产业务拓展必须更偏于风险防范。信贷新规则是信贷管理的纲领性文件，必须不折不扣实施到位。一是严格信贷准入管理。信贷准入管理必须坚持统一标准、统一口径，严禁降低客户准入条件，做到宁缺勿滥，确保信贷资源有效配置。二是严格授权管理制度，规范操作流程，严格执行审贷分离、平行制约等制度。不得越程序和逆程序操作信贷业务。加强客户部和客户经理爱行敬业意识和尽职水平，严把准入条件。全面真实反映客户信息，提高专业能力，坚决避免主观随意性和“量体裁衣”式习惯。信贷部要严格信贷审查，以各项信贷要求作为衡量客户介入的唯一标准，在政策上把关，认真履行审查职责，限定办结速度，规范细化贷审会运作程序，努力提高审贷效率。三是加强贷款到期收回管理。建立了贷款期限管理的分期收回机制，从严控制贷款展期、借新还旧，规范收回再贷行为。四是强化贷后责任管理。XX 年是实施贷后管理工程的关健年，我们通过建立风险预警及处理机制，规范、落实客户经理定期联系协调制度、风险经理定期风险分析预警制度、贷后管理定期报告制文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 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ZY6K4F10H6A8度，落实责任人责任追究工作，从根本上解决操作和决策流程不规范，贷后管理责任不落实的问题。文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 HF3X3Z7S1N3 ZY6K4F10H6A8文档编码:CC4M4W3S4I10 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