2022年信用联社年度工作总结及明年工作计划 .pdf

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1、信用联社（银行）年度工作总结及明年工作计划今年，我县农村信用社在省、市联社的正确领导下，在县政府的大力支持下，在人民银行、银监办的有效监管下，围绕市联社年初下达的工作目标，结合我县联社年初工作计划，确定工作重点：完善法人治理结构,强化信贷管理，狠抓不良贷款清收,抓好治理商业贿赂和案件专项治理工作，加强职工队伍建设。通过全体员工共同努力，各项工作取得了新的成绩，全县农村信用社业务运行平稳，金融服务卓有成效，存款稳步上升。现就今年工作情况及明年工作计划报告如下：一、今年工作回顾（一）基本情况今年，我县农村信用社业务经营情况是：各项存款稳步增长，各项贷款投放不足，不良贷款居高不下，贷款收息率偏低。截

2、止今年xx 月末，各项存款xx 万元,较年初增加 xx 万元,完成市联社年初下达计划任务 xx 万元的 xx%；增资扩股力度加大，股金余额稳步增长。股金余额 xx 万元,较年初增加 xx 万元。各项贷款余额 xx 万元,较年初增加 xx 万元,完成市联社任务xx 万元计划的 xx。其中,不良贷款 xx万元，较年初增加xx 万元,占贷款总额的xx%。实现各项收入xx 万元，其中利息收入 xx 万元，完成年初计划 xx 万元的 xx%；各项支出xx 万元；费用率为 xx%，资本充足率为 xx%。（二）主要工作措施1、积极组织存款，夯实发展根基。存款是立社之本，效益之源。为此，县联社采取多种措施，保

3、证了各项存款的稳定增长。一是领导重视，措施得力，把存款任务纳入经营效益指标考核。二是强化柜面业务宣传，提高服务质量，尽最大的努力满足客户需求。联社要求所有营业网点均设立了服务监督台和举报电话，对客户有举报出现服务质量问题，一经查实将严肃处理。三是以农村市场为依托，培植稳定的客户群体。各基社除搞好日常柜面吸储外，还组织人员，上门做好农村专业户、个工商户等存款大户的吸储揽存工作，建立了较为稳定的客户群。四是加快电子化建设步伐，提高金融服务水平。2、完善法人治理结构，建立健全内控约束机制今年，我们按照上级联社安排，在辖内信用社及联社开展了完善法人治理结构工作，全县xx 个信用社及联社分别召开了社员代

4、表大会，完成了换届工作，完善了“三会”制度，重新组建了新一届的决策、经营和监督机构，使各信用社的管理更加规范，职责进一步明确。同时，结合我县信用社实际情况，我们在原有制度的基础上，重新修订完善了内控制度共计xx 项，并经联社第五届社员代表大会及理事会审议通过，为各项业务的开展提供了制度保障。3、强化清收措施，降低信贷风险针对全县农村信用社不良贷款居高不下的现状，县联社领导在年初就深入基层调研，寻求清收不良贷款的良策。由于清收工作是确保央行专项票据兑付的一个重要条件，也是促进自身发展的关键，为此，把清收不良贷款作为首要工作来抓：一是及早部署清收工作任务，落实责任。二是签订责任状，完善考核奖惩办法

5、。在xx 月 xx 日召开的文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:C

6、N5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9

7、F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:C

8、N5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9

9、F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:C

10、N5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9

11、F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7旺季工作会议上，县联社主任与各信用社主任签订不良贷款清收责任书，对完成清收任务xx以下且全县排名末位的信用社，对主任劝其辞职,全县排名末二至三位的，信用社主任降职使用。全县完成清收任务排名后五位的信贷员明年专职清收，只发xx 元生活费，并由稽核科调查贷款发放的合规性，对违规放贷者要按内控制度追究责任，对贷款发放中存在违法行为的，移

12、交司法部门处理。三是加强督查，各基社不得弄虚作假，如发现反映不实，县联社将按照内控制度规定追究社主任和经办人的责任。四是利用行政、经济、法律的手段进行清收。会同相关部门，运用法律手段进行清收，重点清收一些钉子户、赖账户。五是完善贷款审批程序，确保新增贷款质量。坚持审、贷分离制度，明确授信额度，县联社成立了贷款审批委员会，加大了对大额贷款的监督、审批。4、强化信贷管理，抓好贷款风险五级分类工作为确保五级分类工作顺利进行，我们按照上级联社的要求，成立了贷款五级分类工作领导小组和风险管理委员会，负责指导全县的贷款五级分类工作，截止xx 月末，按四级分类：正常贷款xx 万元，占比 xx%，不良贷款xx

13、 万元，占比xx%；按五级分类：正常贷款xx万元，占比 xx%；不良贷款 xx 万元，占比 xx%。不良贷款五级分类比四级分类绝对额增长xx 万元，占比增长 xx 个百分点，相对真实地反映出全县农村信用社信贷资产的实际价值和风险程度，及时发现了信贷管理中存在的问题。同时，我们加强了信贷管理，规范了贷款操作，办理小额、联保贷款均应按XX 县农村信用合作社联合社贷款文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9

14、L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 H

15、R3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9

16、L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 H

17、R3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9

18、L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 H

19、R3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9

20、L7操作规程办理，并严格执行审、贷分离，分级审批制度，严禁越权发放违章违规贷款。5、加强经营管理，提高盈利水平。县联社把加强财务管理，提高盈利水平作为业务经营管理工作的重点，常抓不懈。实行费用按比例和额度的双重控制，规范费用支出，加强费用管理。二是对全县农村信用社的会议费、公杂费、业务招待费等进行限额列支，尤其在大额费用的列支上，实行报批制度，严格把关，把有限的费用，用在业务开拓发展方面。三是积极拓宽收入渠道，增加收入来源，积极开办中间业务，按标准收取手续费。四是加强现金管理，严格执行超限额报批制度，做到勤调拨勤入库，既保证正常业务现金支付，减少库存限额，最大限度地降低现金使用成本。五是增大激

21、励机制，加大考核力度。将组织资金、不良贷款净压、不良贷款占比、利息收入、规范股金、利润额、公用费用、三防一保、科室综合等 9 项指标以百分量化的形式分解下达到各基层社，年终视各项任务的完成情况，考核兑现。6、加强央行专项票据兑付工作为切实做好全县农村信用社专项票据兑付工作，联社领导高度重视，定措施、抓落实，尽快满足兑付条件。一是按照专项票据兑付考核的要求，加大了对表内不良贷款的清收力度，努力完成降低不良贷款计划。二是加大对已置换不良贷款的处置，按照委托期不良贷款的资产处置，采取多种形式清收处置。三是对照央行票据兑付的各项指标和考核要求，逐项完善整改，确保明年按期兑付。文档编码:CN5V1Z3A

22、7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H

23、4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A

24、7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H

25、4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A

26、7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H

27、4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A

28、7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L77、建立内控机制，全面推进治理商业贿赂和案件专项治理工作建立内控机制是化解业务经营风险的重要措施，日常案件防范是保障业务正常运转的必要手段。信用社作为特殊业务经营单位，必须树立合法经营的观念，提高自我约束能力。一是强化内控机制，树立自身形象。二是宣传发动充分，组织措施得力，把“两治”工作不断引向深入。首先落实组织机构，制定了实施方案。县联社成立了“两治”工作领导组，指导各基社积极开展

29、“两治”工作，并要求各社也成立相应机构，积极进行自查，对自查中发现的问题，制定整改措施，落实整改责任。其次，采取切实有力、扎实有效的措施，把“两治”工作与党风廉政建设相结合，齐抓共管，同步推进。三是抓好学习教育，促进员工整体素质的提高。重点组织员工学习农村信用社员工行为规范、农村信用社违规行为处理规定以及与自己的业务和管理岗位密切联系的有关制度、办法。通过学习教育，使全县信用社广大职工特别是高级管理人员牢固树立“内控优先、制度至上”的经营管理理念，克服了重业务、轻管理的思想行为，为各项业务顺利开展奠定良好的基础。8、加强安全保卫工作，杜绝各类案件发生县联社从强化管理入手，坚持“一手抓业务开拓发

30、展，一手抓安全经营，两手都要硬”的工作思路，坚持谁主管，谁负责的原则，层层签订责任书，做到了一把手总体抓、主管领导亲自抓、保卫部门具体抓、各基社主任配合抓的齐抓共管格局。坚持安全教育经常化，认真学习上级单位和公安部门的文件，对一些案例进行分析讨论，从案文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7

31、F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4

32、I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7

33、F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4

34、I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7

35、F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4

36、I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7件中汲取教训总结经验，提高员工的安全防范意识。9、精心组织，撤站工作圆满完成根据上级撤销代办站的精神，我们结

37、合实际情况，制定了XX县清理农村信用社信用代办站、构建农村信用联络体系工作实施方案，并由县政府牵头成立了撤销农村信用社信用代办站、构建农村信用联络体系工作领导组，组长由县政府常务副县长赵志伟担任，成员有县银监办主任刘补先、县人行行长王双庭以及联社的主要领导。同时，为确保此次撤站工作的平稳进行，我们还制定了几点保证措施：一是统一思想；二是注意方法；三是注重实效。在充分准备的基础上，我们在 xx 月 xx 日召开了专题会议，统一了全县的撤站日期为xx 月xx 日，并在 3 日内对代办站存款进行逐笔逐户核对，并及时进行公告。截止目前，全县 xx 个站顺利撤销，各信用社与新聘任的xx 名联络员及其所在

38、村委签订了协议，并由所在村委向信用社出具聘任函，联络员工作全面展开，截至目前，全县存款平稳，未出现大的波动。（三）、存在的问题及建议今年我县农村信用社各项业务长足发展，存款稳步增长，各项业务运行趋势良好，但在总结成绩的同时，还存在一些不容忽视的问题和面临的困难：一是不良贷款不降反升，占比居高不下，今年xx 月末，不良贷款占比较年初上升xx 个百分点，信贷资产质量较差，清收不良贷款工作任重而道远；二是资金投放不足。今年前11 个月，我县信用社信贷资金净投放仅为xx 万元，减少的主要原因是：首先，信用社加大了对借款人的资信考核，对不符合借款条件的不予发放；文档编码:CN5V1Z3A7F5 HR3K

39、7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文

40、档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K

41、7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文

42、档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K

43、7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文

44、档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K

45、7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7其次，原有的小额农贷不能满足我县中小企业及个体工商户的资金需求，缺少对中小企业的资金投放；最后，信用环境较差，不良贷款的大幅增加和对信贷人员的责任追究力度的加大，使部分信贷员存在“畏贷”情绪。三是各项收入及利息收入比同期下降，主要原因是信用社所投放的贷款，主要用于种植、养殖业和农副产品加工业，投入周期较长,见效慢，影响了收息收贷。四是五级分类工作不够规范，微机操作员不能熟练操作，分类工作有待于进一步

46、细化；五是创新意识不够，业务范围窄、金融创新能力差、业务品种单一、缺乏吸引力，适应不了市场的变化和要求；六是由于撤站后信用社柜台工作量加大，人员短缺现象严重，影响了服务质量和效率；七是安全硬件设施落后，不符合相关规定，存在一定的事故隐患；八是受撤站的影响，使信用社的业务幅射面缩减，存款增幅受到影响。这些问题，都需要在今后的工作中切实加以解决，并希望得到有关部门的大力支持。二、明年工作计划明年是我县农村信用社进一步深化改革的关键时期，为了紧紧抓住这一机遇，全面推进我县农村信用社改革与发展，促进各项工作有计划、有目标、有实效地开展，实现我县农村信用社全面、可持续发展的目标，结合我县农村信用社的具体

47、实际，制定明年工作规划如下：（一）指导思想XX 县信用联社明年工作的指导思想是：以改革为主线，发展为主题，效益为目标，以人为本，强化管理，规范操作，防范风险，确保改革和发展目标顺利实现。全面建设社会主义新农村，以“支农、文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 Z

48、A5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1

49、Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 Z

50、A5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1Z3A7F5 HR3K7M9T9F8 ZA5H4I8P9L7文档编码:CN5V1