信用社（银行）年上半年财务分析报告.doc

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1、信用社（银行）年上半年财务分析报告默认表情酷猴呆呆男信用社（银行）*年上半年财务分析报告我社认真贯彻执行党的路线和方针政策，依法履行各项业务规章制度，做到有章必循、有法必依。严格要求职工按上级下发的文件和精神落实到工作中，并把各项工作如实准确地反映出来。一、 业务经营、财务收支情况*年上半年，各项资产总额为*万元，比年初增加*万元；负债总额为*万元，比年初增加*万元。各项存款总额为*万元，比年初增加*万元，其中低成本存款额为*万元，定期储蓄存款额为*万元，占各项存款的*%。存款增长幅度不大、下降的原因是，近段时间由于征收社会抚养费，引起社会上多数储蓄户担心存款被扣划，以致储户将尚未到期的存款提

2、前支取，活期储蓄销户等现象。各项贷款额为*万元，比年初增加*万元，其中不良贷款额为*万元，比年初下降*万元。上半年发放贷款*笔，金额为*万元，其中社团贷款*笔，金额*万元；“东亮式”党员创业贷款*笔，金额*万元。上半年发放的贷款利息能按月在帐户扣划，主要是信贷员能够按照贷款通则办理各项信贷业务，因地制宜合理调节贷款投向，优化信贷结构，执行贷款“三查制度”，完善有关信贷手续，准确地把款放准，帮助农民发展生产致富，帮助贷户走出困境起到了积极的作用。另一方面，社团贷款发挥了优势，利息每月按时入帐，减轻了信贷员下乡收贷的工作量，也为我社增加了财务收入。财务收支方面：财务收入为*万元，其中利息收入*万元

3、，与去年同期对比增加了*万元。财务支出为*万元，与上年同期对比增加*万元支出（其中利息支出增加*万元、营业费用增加支出*万元、呆账准备金*万元），帐面亏损*万元。二、亏损成因分析一方面是：由于历史遗留原因，不良贷款占比大，占各项贷款的*.*%，收息率较低，特别是两呆贷款偏重，占不良贷款的*.*%。镇属企业贷款收息率极低，严重影响了我社的经济效益，影响了信贷资金的良性循环，给本社赢利带来不利因素。二方面是，部分正常贷款放出去之后未能履行合同规定按月还息。三方面是定期储蓄存款占比大，负息率高，至*月底止利息支出*万元。四是新账贷款利息手续费支出增大了成本。三、 下半年工作方向要扭转亏损落后局面，清

4、收不良贷款为当务之急，不良贷款清收作为工作重中之重，努力降低不良贷款绝对额的占比，提高信贷资产质量。加大力度清收已置换不良贷款，盘活资金。控制营业费用支出：特别是业务招待费、水电费等营业费用。其次是加大干部职工意识和形象教育，提高员工素质状况，改进服务态度，积极吸收存款，做好各项清收工作，提高经营效益。狠抓管理，努力实现资产质量、财务状况进一步好转，充分发挥信用社联系农民的纽带作用，积极发展农业和农村经济，增加农民收入。还要镇府部门大力协助和积极配合，把镇属企业贷款降低到最低点，才能使本社的经营效益带来生机，努力实现下半年扭亏为盈。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，

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