信用社（银行）改革进展情况汇报.doc

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1、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

2、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，

3、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、

4、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,16

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