某農(nóng)村合作銀行2022年工作總結(jié)

第/r/nPAGE/r/n10/r/n頁共/r/nNUMPAGES/r/n10/r/n頁/r/n某農(nóng)村合作/r/n?/r/n銀行202/r/n?/r/n2年工作總/r/n?/r/n結(jié)/r/n今年以/r/n?/r/n來，___/r/n?/r/n農(nóng)村合作銀/r/n?/r/n行在上級行/r/n?/r/n社、銀監(jiān)部/r/n?/r/n門的正確領(lǐng)/r/n?/r/n導(dǎo)以及市委/r/n?/r/n、市政府的/r/n?/r/n大力支持下/r/n?/r/n，全面貫徹/r/n?/r/n省、市農(nóng)村/r/n?/r/n信用社工作/r/n?/r/n會議精神，/r/n?/r/n緊緊圍繞省/r/n?/r/n聯(lián)社___/r/n?/r/n辦事處年初/r/n?/r/n下達(dá)的考核/r/n?/r/n目標(biāo)，以加/r/n?/r/n快改革為主/r/n?/r/n線，以業(yè)務(wù)/r/n?/r/n發(fā)展為中心/r/n?/r/n，以支持“/r/n?/r/n三農(nóng)”為重/r/n?/r/n點，認(rèn)真落/r/n?/r/n實各項政策/r/n?/r/n和措施，使/r/n?/r/n全行的經(jīng)營/r/n?/r/n管理水平和/r/n?/r/n服務(wù)質(zhì)量都/r/n?/r/n有了明顯的/r/n?/r/n提高，各項/r/n?/r/n業(yè)務(wù)和改革/r/n?/r/n工作平穩(wěn)進/r/n?/r/n展，現(xiàn)就一/r/n?/r/n年來我行班/r/n?/r/n子的工作述/r/n?/r/n職如下。/r/n?/r/n一、各項考/r/n?/r/n核指標(biāo)完成/r/n?/r/n情況/r/n（一/r/n?/r/n）年度新增/r/n?/r/n存款指標(biāo)。/r/n?/r/n至___年/r/n?/r/n末，我行新/r/n?/r/n增存款達(dá)_/r/n?/r/n__億元，/r/n?/r/n完成___/r/n?/r/n辦事處年度/r/n?/r/n新增存款計/r/n?/r/n劃目標(biāo)要求/r/n?/r/n的___%/r/n?/r/n。/r/n（二）/r/n?/r/n年度小農(nóng)業(yè)/r/n?/r/n貸款新增額/r/n?/r/n指標(biāo)。至_/r/n?/r/n__年末，/r/n?/r/n我行小農(nóng)業(yè)/r/n?/r/n貸款新增_/r/n?/r/n__億元，/r/n?/r/n完成考核目/r/n?/r/n標(biāo)。/r/n（三/r/n?/r/n）年度中間/r/n?/r/n業(yè)務(wù)收入額/r/n?/r/n指標(biāo)。至年/r/n?/r/n末，中間業(yè)/r/n?/r/n務(wù)收入達(dá)_/r/n?/r/n__萬元，/r/n?/r/n完成指標(biāo)。/r/n?/r/n（四）不/r/n?/r/n良貸款額或/r/n?/r/n率下降指標(biāo)/r/n?/r/n。至年末，/r/n?/r/n全行不良貸/r/n?/r/n款總額__/r/n?/r/n_萬元，比/r/n?/r/n年初上下降/r/n?/r/n___萬元/r/n?/r/n。/r/n（五）/r/n?/r/n稅前利潤指/r/n?/r/n標(biāo)標(biāo)。至年/r/n?/r/n末，全行實/r/n?/r/n現(xiàn)稅前利潤/r/n?/r/n___萬元/r/n?/r/n，完成考核/r/n?/r/n目標(biāo)。/r/n（/r/n?/r/n六）在工、/r/n?/r/n農(nóng)、中、建/r/n?/r/n、農(nóng)信五大/r/n?/r/n系統(tǒng)中的存/r/n?/r/n款當(dāng)年新增/r/n?/r/n市場份額占/r/n?/r/n比達(dá)，比年/r/n?/r/n初市場份額/r/n?/r/n上升。/r/n二/r/n?/r/n、圍繞目標(biāo)/r/n?/r/n，狠抓業(yè)務(wù)/r/n?/r/n，業(yè)務(wù)經(jīng)營/r/n?/r/n迅猛發(fā)展/r/n?/r/n全面審視_/r/n?/r/n__年度考/r/n?/r/n核指標(biāo)完成/r/n?/r/n情況，所有/r/n?/r/n考核指標(biāo)均/r/n?/r/n達(dá)到考核目/r/n?/r/n標(biāo)要求，全/r/n?/r/n行業(yè)務(wù)經(jīng)營/r/n?/r/n正呈良性循/r/n?/r/n環(huán)態(tài)勢迅猛/r/n?/r/n發(fā)展。/r/n回/r/n?/r/n顧過去的一/r/n?/r/n年，我行班/r/n?/r/n子帶領(lǐng)全行/r/n?/r/n干部員工在/r/n?/r/n業(yè)務(wù)經(jīng)營上/r/n?/r/n主要做了以/r/n?/r/n下幾方面的/r/n?/r/n工作：/r/n（/r/n?/r/n一）大力開/r/n?/r/n展資金__/r/n?/r/n_工作。_/r/n?/r/n__年，全/r/n?/r/n行廣大干部/r/n?/r/n員工在總行/r/n?/r/n班子的帶領(lǐng)/r/n?/r/n下，牢固樹/r/n?/r/n立細(xì)化市場/r/n?/r/n、擴充總量/r/n?/r/n、優(yōu)化結(jié)構(gòu)/r/n?/r/n、講求效益/r/n?/r/n的總體目標(biāo)/r/n?/r/n，認(rèn)真做好/r/n?/r/n資金___/r/n?/r/n工作，力求/r/n?/r/n實現(xiàn)存款份/r/n?/r/n額增長有新/r/n?/r/n的突破，存/r/n?/r/n款結(jié)構(gòu)優(yōu)化/r/n?/r/n有新的突破/r/n?/r/n。為此，我/r/n?/r/n們采取了以/r/n?/r/n下措施：一/r/n?/r/n是做到任務(wù)/r/n?/r/n早落實，計/r/n?/r/n劃早安排。/r/n?/r/n總行及時制/r/n?/r/n定考核辦法/r/n?/r/n，落實考核/r/n?/r/n機制，并明/r/n?/r/n確在合作銀/r/n?/r/n行開業(yè)前各/r/n?/r/n項存款超_/r/n?/r/n__億元的/r/n?/r/n目標(biāo)，形成/r/n?/r/n了人人有壓/r/n?/r/n力，人人有/r/n?/r/n動力，充分/r/n?/r/n調(diào)動了每個/r/n?/r/n員工的積極/r/n?/r/n性，形成了/r/n?/r/n社與社之間/r/n?/r/n你追我趕的/r/n?/r/n局面。二是/r/n?/r/n加大宣傳力/r/n?/r/n度，提升合/r/n?/r/n作銀行形象/r/n?/r/n。通過春節(jié)/r/n?/r/n前全市城鎮(zhèn)/r/n?/r/n機構(gòu)網(wǎng)點的/r/n?/r/n統(tǒng)一策劃與/r/n?/r/n統(tǒng)一裝飾宣/r/n?/r/n傳、存款突/r/n?/r/n破___億/r/n?/r/n元大型宣傳/r/n?/r/n活動、合作/r/n?/r/n銀行創(chuàng)立、/r/n?/r/n開業(yè)等重大/r/n?/r/n活動期間報/r/n?/r/n紙、電視臺/r/n?/r/n等新聞媒體/r/n?/r/n的廣泛宣傳/r/n?/r/n以及全省農(nóng)/r/n?/r/n村合作金融/r/n?/r/n系統(tǒng)存款超/r/n?/r/n___億元/r/n?/r/n宣傳活動等/r/n?/r/n措施，使_/r/n?/r/n__農(nóng)村合/r/n?/r/n作銀行的知/r/n?/r/n名度擴展到/r/n?/r/n社會各個層/r/n?/r/n面。三是提/r/n?/r/n倡規(guī)范化服/r/n?/r/n務(wù)，吸引和/r/n?/r/n留住客戶。/r/n?/r/n通過制定了/r/n?/r/n規(guī)范化服務(wù)/r/n?/r/n實施細(xì)則，/r/n?/r/n以制度來規(guī)/r/n?/r/n范、約束窗/r/n?/r/n口服務(wù)，使/r/n?/r/n我行對外服/r/n?/r/n務(wù)工作上了/r/n?/r/n一個新臺階/r/n?/r/n。四是推行/r/n?/r/n勞動競賽，/r/n?/r/n資金___/r/n?/r/n常抓不懈。/r/n?/r/n通過四個季/r/n?/r/n度的資金_/r/n?/r/n__勞動競/r/n?/r/n賽，較好地/r/n?/r/n激勵了廣大/r/n?/r/n員工___/r/n?/r/n資金的工作/r/n?/r/n積極性，促/r/n?/r/n進了我行各/r/n?/r/n項存款的快/r/n?/r/n速增長和業(yè)/r/n?/r/n務(wù)的協(xié)調(diào)發(fā)/r/n?/r/n展。通過以/r/n?/r/n上措施，至/r/n?/r/n年末，各項/r/n?/r/n存款余額達(dá)/r/n?/r/n億元，上升/r/n?/r/n額達(dá)億元，/r/n?/r/n再創(chuàng)歷史記/r/n?/r/n錄。存款的/r/n?/r/n大幅增長，/r/n?/r/n既壯大了我/r/n?/r/n行的資金實/r/n?/r/n力，又為服/r/n?/r/n務(wù)“三農(nóng)”/r/n?/r/n和中小企業(yè)/r/n?/r/n提供了充足/r/n?/r/n的資___/r/n?/r/n障。/r/n（二/r/n?/r/n）加大信貸/r/n?/r/n有效投放力/r/n?/r/n度?？傂邪?r/n?/r/n子在年初即/r/n?/r/n明確信貸投/r/n?/r/n放政策，要/r/n?/r/n求各支行在/r/n?/r/n信貸投放上/r/n?/r/n要堅持為“/r/n?/r/n三農(nóng)”服務(wù)/r/n?/r/n的經(jīng)營方向/r/n?/r/n，特別是在/r/n?/r/n農(nóng)村合作銀/r/n?/r/n行成立后，/r/n?/r/n為“三農(nóng)”/r/n?/r/n服務(wù)的經(jīng)營/r/n?/r/n指導(dǎo)思想只/r/n?/r/n能增強，不/r/n?/r/n能弱化和偏/r/n?/r/n離。信貸投/r/n?/r/n放首先要確/r/n?/r/n保農(nóng)民、農(nóng)/r/n?/r/n業(yè)貸款和小/r/n?/r/n企業(yè)貸款，/r/n?/r/n要把解決好/r/n?/r/n農(nóng)民和小企/r/n?/r/n業(yè)貸款作為/r/n?/r/n各項工作的/r/n?/r/n出發(fā)點和落/r/n?/r/n腳點。為此/r/n?/r/n，我行一是/r/n?/r/n通過支農(nóng)調(diào)/r/n?/r/n查、信用村/r/n?/r/n創(chuàng)建等措施/r/n?/r/n，加大農(nóng)戶/r/n?/r/n貸款投放。/r/n?/r/n年初通過支/r/n?/r/n農(nóng)調(diào)查，確/r/n?/r/n定符合貸款/r/n?/r/n條件的有效/r/n?/r/n需求戶__/r/n?/r/n_戶，資金/r/n?/r/n需求___/r/n?/r/n萬元，授信/r/n?/r/n總額___/r/n?/r/n萬元。同時/r/n?/r/n，全年共評/r/n?/r/n定信用村個/r/n?/r/n，并進行授/r/n?/r/n牌，為改善/r/n?/r/n地方信用環(huán)/r/n?/r/n境起到了積/r/n?/r/n極的推動作/r/n?/r/n用。至年末/r/n?/r/n，我行農(nóng)戶/r/n?/r/n貸款余額達(dá)/r/n?/r/n萬元，比年/r/n?/r/n初凈增萬元/r/n?/r/n，農(nóng)戶貸款/r/n?/r/n戶數(shù)達(dá)戶，/r/n?/r/n比年初增加/r/n?/r/n戶，農(nóng)貸覆/r/n?/r/n蓋面達(dá)%。/r/n?/r/n二是加大小/r/n?/r/n企業(yè)貸款投/r/n?/r/n放力度。要/r/n?/r/n求通過調(diào)查/r/n?/r/n、鑒定，確/r/n?/r/n定支持客戶/r/n?/r/n，對符合產(chǎn)/r/n?/r/n業(yè)政策的成/r/n?/r/n長型客戶實/r/n?/r/n行主動介入/r/n?/r/n，提倡抵押/r/n?/r/n貸款優(yōu)先。/r/n?/r/n___年我/r/n?/r/n行中小企業(yè)/r/n?/r/n貸款累放萬/r/n?/r/n元，余額達(dá)/r/n?/r/n萬元。在提/r/n?/r/n供信貸支持/r/n?/r/n的同時，積/r/n?/r/n極為中小企/r/n?/r/n業(yè)拓展融資/r/n?/r/n渠道。目前/r/n?/r/n已為企業(yè)開/r/n?/r/n辦了貼現(xiàn)、/r/n?/r/n簽發(fā)銀行承/r/n?/r/n兌匯票、推/r/n?/r/n薦簽發(fā)商業(yè)/r/n?/r/n承兌匯票等/r/n?/r/n業(yè)務(wù)。全年/r/n?/r/n共為中小企/r/n?/r/n業(yè)辦理貼現(xiàn)/r/n?/r/n業(yè)務(wù)筆，金/r/n?/r/n額萬元；簽/r/n?/r/n發(fā)銀行承兌/r/n?/r/n匯票筆，金/r/n?/r/n額萬元；推/r/n?/r/n薦簽發(fā)商業(yè)/r/n?/r/n承兌匯票_/r/n?/r/n__家，授/r/n?/r/n信___萬/r/n?/r/n元。/r/n（三/r/n?/r/n）切實加強/r/n?/r/n信貸風(fēng)險管/r/n?/r/n理。今年以/r/n?/r/n來，我行班/r/n?/r/n子以規(guī)范信/r/n?/r/n貸行為，提/r/n?/r/n高信貸管理/r/n?/r/n質(zhì)量為工作/r/n?/r/n重點，采取/r/n?/r/n了一系列整/r/n?/r/n頓信貸秩序/r/n?/r/n，降低信貸/r/n?/r/n風(fēng)險的措施/r/n?/r/n。一是規(guī)范/r/n?/r/n自然人貸款/r/n?/r/n管理。明確/r/n?/r/n了自然人貸/r/n?/r/n款以社區(qū)服/r/n?/r/n務(wù)為原則，/r/n?/r/n不得發(fā)放跨/r/n?/r/n區(qū)域貸款，/r/n?/r/n對已發(fā)放的/r/n?/r/n跨社區(qū)貸款/r/n?/r/n到期一律進/r/n?/r/n行清收，不/r/n?/r/n得續(xù)貸，否/r/n?/r/n則責(zé)任人停/r/n?/r/n崗、停職清/r/n?/r/n收。二是歸/r/n?/r/n并企業(yè)交叉/r/n?/r/n貸款，歸口/r/n?/r/n關(guān)聯(lián)企業(yè)貸/r/n?/r/n款管理。對/r/n?/r/n共計___/r/n?/r/n戶，余額_/r/n?/r/n__億元，/r/n?/r/n涉及___/r/n?/r/n個支行（部/r/n?/r/n）的交叉貸/r/n?/r/n款進行了全/r/n?/r/n面歸并。在/r/n?/r/n歸并基礎(chǔ)上/r/n?/r/n，對全轄關(guān)/r/n?/r/n聯(lián)企業(yè)貸款/r/n?/r/n進行了清理/r/n?/r/n，共清理出/r/n?/r/n關(guān)聯(lián)企業(yè)_/r/n?/r/n__戶，貸/r/n?/r/n款余額__/r/n?/r/n_萬元。三/r/n?/r/n是重點清理/r/n?/r/n了借戶、冒/r/n?/r/n名、一戶多/r/n?/r/n貸等違紀(jì)違/r/n?/r/n規(guī)貸款，同/r/n?/r/n時出臺各類/r/n?/r/n規(guī)范信貸行/r/n?/r/n為的文件，/r/n?/r/n使全行信貸/r/n?/r/n秩序得到有/r/n?/r/n效規(guī)范，信/r/n?/r/n貸管理質(zhì)量/r/n?/r/n得到明顯提/r/n?/r/n高。四是通/r/n?/r/n過問責(zé)、加/r/n?/r/n大清收力度/r/n?/r/n、呆賬核銷/r/n?/r/n等措施，努/r/n?/r/n力降低不良/r/n?/r/n貸款。全年/r/n?/r/n共收回不良/r/n?/r/n貸款萬元，/r/n?/r/n收回內(nèi)銷_/r/n?/r/n__貸款萬/r/n?/r/n元，收回票/r/n?/r/n據(jù)置換不良/r/n?/r/n貸款萬元，/r/n?/r/n處置抵債資/r/n?/r/n產(chǎn)收回萬元/r/n?/r/n，至年末，/r/n?/r/n不良貸款（/r/n?/r/n包括抵債資/r/n?/r/n產(chǎn)）余額萬/r/n?/r/n元，不良率/r/n?/r/n為%。/r/n今/r/n?/r/n年以來，_/r/n?/r/n__農(nóng)村合/r/n?/r/n作銀行在上/r/n?/r/n級行社、銀/r/n?/r/n監(jiān)部門的正/r/n?/r/n確領(lǐng)導(dǎo)以及/r/n?/r/n市委、市政/r/n?/r/n府的大力支/r/n?/r/n持下，全面/r/n?/r/n貫徹省、市/r/n?/r/n農(nóng)村信用社/r/n?/r/n工作會議精/r/n?/r/n神，緊緊圍/r/n?/r/n繞省聯(lián)社_/r/n?/r/n__辦事處/r/n?/r/n年初下達(dá)的/r/n?/r/n考核目標(biāo)，/r/n?/r/n以加快改革/r/n?/r/n為主線，以/r/n?/r/n業(yè)務(wù)發(fā)展為/r/n?/r/n中心，以支/r/n?/r/n持“三農(nóng)”/r/n?/r/n為重點，認(rèn)/r/n?/r/n真落實各項/r/n?/r/n政策和措施/r/n?/r/n，使全行的/r/n?/r/n經(jīng)營管理水/r/n?/r/n平和服務(wù)質(zhì)/r/n?/r/n量都有了明/r/n?/r/n顯的提高，/r/n?/r/n各項業(yè)務(wù)和/r/n?/r/n改革工作平/r/n?/r/n穩(wěn)進展，現(xiàn)/r/n?/r/n就一年來我/r/n?/r/n行班子的工/r/n?/r/n作述職如下/r/n?/r/n。/r/n一、各/r/n?/r/n項考核指標(biāo)/r/n?/r/n完成情況/r/n?/r/n（一）年度/r/n?/r/n新增存款指/r/n?/r/n標(biāo)。至__/r/n?/r/n_年末，我/r/n?/r/n行新增存款/r/n?/r/n達(dá)___億/r/n?/r/n元，完成_/r/n?/r/n__辦事處/r/n?/r/n年度新增存/r/n?/r/n款計劃目標(biāo)/r/n?/r/n要求的__/r/n?/r/n_%。/r/n（/r/n?/r/n二）年度小/r/n?/r/n農(nóng)業(yè)貸款新/r/n?/r/n增額指標(biāo)。/r/n?/r/n至___年/r/n?/r/n末，我行小/r/n?/r/n農(nóng)業(yè)貸款新/r/n?/r/n增___億/r/n?/r/n元，完成考/r/n?/r/n核目標(biāo)。/r/n?/r/n（三）年度/r/n?/r/n中間業(yè)務(wù)收/r/n?/r/n入額指標(biāo)。/r/n?/r/n至年末，中/r/n?/r/n間業(yè)務(wù)收入/r/n?/r/n達(dá)___萬/r/n?/r/n元，完成指/r/n?/r/n標(biāo)。/r/n（四/r/n?/r/n）不良貸款/r/n?/r/n額或率下降/r/n?/r/n指標(biāo)。至年/r/n?/r/n末，全行不/r/n?/r/n良貸款總額/r/n?/r/n1900/r/n?/r/n0萬元，比/r/n?/r/n年初上下降/r/n?/r/n___萬元/r/n?/r/n。/r/n（五）/r/n?/r/n稅前利潤指/r/n?/r/n標(biāo)標(biāo)。至年/r/n?/r/n末，全行實/r/n?/r/n現(xiàn)稅前利潤/r/n?/r/n___萬元/r/n?/r/n，完成考核/r/n?/r/n目標(biāo)。/r/n（/r/n?/r/n六）在工、/r/n?/r/n農(nóng)、中、建/r/n?/r/n、農(nóng)信五大/r/n?/r/n系統(tǒng)中的存/r/n?/r/n款當(dāng)年新增/r/n?/r/n市場份額占/r/n?/r/n比達(dá)，比年/r/n?/r/n初市場份額/r/n?/r/n上升。/r/n二/r/n?/r/n、圍繞目標(biāo)/r/n?/r/n，狠抓業(yè)務(wù)/r/n?/r/n，業(yè)務(wù)經(jīng)營/r/n?/r/n迅猛發(fā)展/r/n?/r/n全面審視_/r/n?/r/n__年度考/r/n?/r/n核指標(biāo)完成/r/n?/r/n情況，所有/r/n?/r/n考核指標(biāo)均/r/n?/r/n達(dá)到考核目/r/n?/r/n標(biāo)要求，全/r/n?/r/n行業(yè)務(wù)經(jīng)營/r/n?/r/n正呈良性循/r/n?/r/n環(huán)態(tài)勢迅猛/r/n?/r/n發(fā)展。/r/n回/r/n?/r/n顧過去的一/r/n?/r/n年，我行班/r/n?/r/n子帶領(lǐng)全行/r/n?/r/n干部員工在/r/n?/r/n業(yè)務(wù)經(jīng)營上/r/n?/r/n主要做了以/r/n?/r/n下幾方面的/r/n?/r/n工作：/r/n（/r/n?/r/n一）大力開/r/n?/r/n展資金__/r/n?/r/n_工作。_/r/n?/r/n__年，全/r/n?/r/n行廣大干部/r/n?/r/n員工在總行/r/n?/r/n班子的帶領(lǐng)/r/n?/r/n下，牢固樹/r/n?/r/n立細(xì)化市場/r/n?/r/n、擴充總量/r/n?/r/n、優(yōu)化結(jié)構(gòu)/r/n?/r/n、講求效益/r/n?/r/n的總體目標(biāo)/r/n?/r/n，認(rèn)真做好/r/n?/r/n資金___/r/n?/r/n工作，力求/r/n?/r/n實現(xiàn)存款份/r/n?/r/n額增長有新/r/n?/r/n的突破，存/r/n?/r/n款結(jié)構(gòu)優(yōu)化/r/n?/r/n有新的突破/r/n?/r/n。為此，我/r/n?/r/n們采取了以/r/n?/r/n下措施：一/r/n?/r/n是做到任務(wù)/r/n?/r/n早落實，計/r/n?/r/n劃早安排。/r/n?/r/n總行及時制/r/n?/r/n定考核辦法/r/n?/r/n，落實考核/r/n?/r/n機制，并明/r/n?/r/n確在合作銀/r/n?/r/n行開業(yè)前各/r/n?/r/n項存款超_/r/n?/r/n__億元的/r/n?/r/n目標(biāo)，形成/r/n?/r/n了人人有壓/r/n?/r/n力，人人有/r/n?/r/n動力，充分/r/n?/r/n調(diào)動了每個/r/n?/r/n員工的積極/r/n?/r/n性，形成了/r/n?/r/n社與社之間/r/n?/r/n你追我趕的/r/n?/r/n局面。二是/r/n?/r/n加大宣傳力/r/n?/r/n度，提升合/r/n?/r/n作銀行形象/r/n?/r/n。通過春節(jié)/r/n?/r/n前全市城鎮(zhèn)/r/n?/r/n機構(gòu)網(wǎng)點的/r/n?/r/n統(tǒng)一策劃與/r/n?/r/n統(tǒng)一裝飾宣/r/n?/r/n傳、存款突/r/n?/r/n破___億/r/n?/r/n元大型宣傳/r/n?/r/n活動、合作/r/n?/r/n銀行創(chuàng)立、/r/n?/r/n開業(yè)等重大/r/n?/r/n活動期間報/r/n?/r/n紙、電視臺/r/n?/r/n等新聞媒體/r/n?/r/n的廣泛宣傳/r/n?/r/n以及全省農(nóng)/r/n?/r/n村合作金融/r/n?/r/n系統(tǒng)存款超/r/n?/r/n___億元/r/n?/r/n宣傳活動等/r/n?/r/n措施，使_/r/n?/r/n__農(nóng)村合/r/n?/r/n作銀行的知/r/n?/r/n名度擴展到/r/n?/r/n社會各個層/r/n?/r/n面。三是提/r/n?/r/n倡規(guī)范化服/r/n?/r/n務(wù)，吸引和/r/n?/r/n留住客戶。/r/n?/r/n通過制定了/r/n?/r/n規(guī)范化服務(wù)/r/n?/r/n實施細(xì)則，/r/n?/r/n以制度來規(guī)/r/n?/r/n范、約束窗/r/n?/r/n口服務(wù)，使/r/n?/r/n我行對外服/r/n?/r/n務(wù)工作上了/r/n?/r/n一個新臺階/r/n?/r/n。四是推行/r/n?/r/n勞動競賽，/r/n?/r/n資金___/r/n?/r/n常抓不懈。/r/n?/r/n通過四個季/r/n?/r/n度的資金_/r/n?/r/n__勞動競/r/n?/r/n賽，較好地/r/n?/r/n激勵了廣大/r/n?/r/n員工___/r/n?/r/n資金的工作/r/n?/r/n積極性，促/r/n?/r/n進了我行各/r/n?/r/n項存款的快/r/n?/r/n速增長和業(yè)/r/n?/r/n務(wù)的協(xié)調(diào)發(fā)/r/n?/r/n展。通過以/r/n?/r/n上措施，至/r/n?/r/n年末，各項/r/n?/r/n存款余額達(dá)/r/n?/r/n億元，上升/r/n?/r/n額達(dá)億元，/r/n?/r/n再創(chuàng)歷史記/r/n?/r/n錄。存款的/r/n?/r/n大幅增長，/r/n?/r/n既壯大了我/r/n?/r/n行的資金實/r/n?/r/n力，又為服/r/n?/r/n務(wù)“三農(nóng)”/r/n?/r/n和中小企業(yè)/r/n?/r/n提供了充足/r/n?/r/n的資___/r/n?/r/n障。/r/n（二/r/n?/r/n）加大信貸/r/n?/r/n有效投放力/r/n?/r/n度?？傂邪?r/n?/r/n子在年初即/r/n?/r/n明確信貸投/r/n?/r/n放政策，要/r/n?/r/n求各支行在/r/n?/r/n信貸投放上/r/n?/r/n要堅持為“/r/n?/r/n三農(nóng)”服務(wù)/r/n?/r/n的經(jīng)營方向/r/n?/r/n，特別是在/r/n?/r/n農(nóng)村合作銀/r/n?/r/n行成立后，/r/n?/r/n為“三農(nóng)”/r/n?/r/n服務(wù)的經(jīng)營/r/n?/r/n指導(dǎo)思想只/r/n?/r/n能增強，不/r/n?/r/n能弱化和偏/r/n?/r/n離。信貸投/r/n?/r/n放首先要確/r/n?/r/n保農(nóng)民、農(nóng)/r/n?/r/n業(yè)貸款和小/r/n?/r/n企業(yè)貸款，/r/n?/r/n要把解決好/r/n?/r/n農(nóng)民和小企/r/n?/r/n業(yè)貸款作為/r/n?/r/n各項工作的/r/n?/r/n出發(fā)點和落/r/n?/r/n腳點。為此/r/n?/r/n，我行一是/r/n?/r/n通過支農(nóng)調(diào)/r/n?/r/n查、信用村/r/n?/r/n創(chuàng)建等措施/r/n?/r/n，加大農(nóng)戶/r/n?/r/n貸款投放。/r/n?/r/n年初通過支/r/n?/r/n農(nóng)調(diào)查，確/r/n?/r/n定符合貸款/r/n?/r/n條件的有效/r/n?/r/n需求戶__/r/n?/r/n_戶，資金/r/n?/r/n需求___/r/n?/r/n萬元，授信/r/n?/r/n總額___/r/n?/r/n萬元。同時/r/n?/r/n，全年共評/r/n?/r/n定信用村個/r/n?/r/n，并進行授/r/n?/r/n牌，為改善/r/n?/r/n地方信用環(huán)/r/n?/r/n境起到了積/r/n?/r/n極的推動作/r/n?/r/n用。至年末/r/n?/r/n，我行農(nóng)戶/r/n?/r/n貸款余額達(dá)/r/n?/r/n萬元，比年/r/n?/r/n初凈增萬元/r/n?/r/n，農(nóng)戶貸款/r/n?/r/n戶數(shù)達(dá)戶，/r/n?/r/n比年初增加/r/n?/r/n戶，農(nóng)貸覆/r/n?/r/n蓋面達(dá)%。/r/n?/r/n二是加大小/r/n?/r/n企業(yè)貸款投/r/n?/r/n放力度。要/r/n?/r/n求通過調(diào)查/r/n?/r/n、鑒定，確/r/n?/r/n定支持客戶/r/n?/r/n，對符合產(chǎn)/r/n?/r/n業(yè)政策的成/r/n?/r/n長型客戶實/r/n?/r/n行主動介入/r/n?/r/n，提倡抵押/r/n?/r/n貸款優(yōu)先。/r/n?/r/n___年我/r/n?/r/n行中小企業(yè)/r/n?/r/n貸款累放萬/r/n?/r/n元，余額達(dá)/r/n?/r/n萬元。在提/r/n?/r/n供信貸支持/r/n?/r/n的同時，積/r/n?/r/n極為中小企/r/n?/r/n業(yè)拓展融資/r/n?/r/n渠道。目前/r/n?/r/n已為企業(yè)開/r/n?/r/n辦了貼現(xiàn)、/r/n?/r/n簽發(fā)銀行承/r/n?/r/n兌匯票、推/r/n?/r/n薦簽發(fā)商業(yè)/r/n?/r/n承兌匯票等/r/n?/r/n業(yè)務(wù)。全年/r/n?/r/n共為中小企/r/n?/r/n業(yè)辦理貼現(xiàn)/r/n?/r/n業(yè)務(wù)筆，金/r/n?/r/n額萬元；簽/r/n?/r/n發(fā)銀行承兌/r/n?/r/n匯票筆，金/r/n?/r/n額萬元；推/r/n?/r/n薦簽發(fā)商業(yè)/r/n?/r/n承兌匯票_/r/n?/r/n__家，授/r/n?/r/n信___萬/r/n?/r/n元。/r/n（三/r/n?/r/n）切實加強/r/n?/r/n信貸風(fēng)險管/r/n?/r/n理。今年以/r/n?/r/n來，我行班/r/n?/r/n子以規(guī)范信/r/n?/r/n貸行為，提/r/n?/r/n高信貸管理/r/n?/r/n質(zhì)量為工作/r/n?/r/n重點，采取/r/n?/r/n了一系列整/r/n?/r/n頓信貸秩序/r/n?/r/n，降低信貸/r/n?/r/n風(fēng)險的措施/r/n?/r/n。一是規(guī)范/r/n?/r/n自然人貸款/r/n?/r/n管理。明確/r/n?/r/n了自然人貸/r/n?/r/n款以社區(qū)服/r/n?/r/n務(wù)為原則，/r/n?/r/n不得發(fā)放跨/r/n?/r/n區(qū)域貸款，/r/n?/r/n對已發(fā)放的/r/n?/r/n跨社區(qū)貸款/r/n?/r/n到期一律進/r/n?/r/n行清收，不/r/n?/r/n得續(xù)貸，否/r/n?/r/n則責(zé)任人停/r/n?/r/n崗、停職清/r/n?/r/n收。二是歸/r/n?/r/n并企業(yè)交叉/r/n?/r/n貸款，歸口/r/n?/r/n關(guān)聯(lián)企業(yè)貸/r/n?/r/n款管理。對/r/n?/r/n共計___/r/n?/r/n戶，余額_/r/n?/r/n__億元，/r/n?/r/n涉及___/r/n?/r/n個支行（部/r/n?/r/n）的交叉貸/r/n?/r/n款進行了全/r/n?/r/n面歸并。在/r/n?/r/n歸并基礎(chǔ)上/r/n?/r/n，對全轄關(guān)/r/n?/r/n聯(lián)企業(yè)貸款/r/n?/r/n進行了清理/r/n?/r/n，共清理出/r/n?/r/n關(guān)聯(lián)企業(yè)_/r/n?/r/n__戶，貸/r/n?/r/n款余額__/r/n?/r/n_萬元。三/r/n?/r/n是重點清理/r/n?/r/n了借戶、冒/r/n?/r/n名、一戶多/r/n?/r/n貸等違紀(jì)違/r/n?/r/n規(guī)貸款，同/r/n?/r/n時出臺各類/r/n?/r/n規(guī)范信貸行/r/n?/r/n為的文件，/r/n?/r/n使全行信貸/r/n?/r/n秩序得到有/r/n?/r/n效規(guī)范，信/r/n?/r/n貸管理質(zhì)量/r/n?/r/n得到明顯提/r/n?/r/n高。四是通/r/n?/r/n過問責(zé)、加/r/n?/r/n大清收力度/r/n?/r/n、呆賬核銷/r/n?/r/n等措施，努/r/n?/r/n力降低不良/r/n?/r/n貸款。全年/r/n?/r/n共收回不良/r/n?/r/n貸款萬元，/r/n?/r/n收回內(nèi)銷_/r/n?/r/n__貸款萬/r/n?/r/n元，收回票/r/n?/r/n據(jù)置換不良/r/n?/r/n貸款萬元，/r/n?/r/n處置抵債資/r/n?/r/n產(chǎn)收回萬元/r/n?/r/n，至年末，/r/n?/r/n不良貸款（/r/n?/r/n包括抵債資/r/n?/r/n產(chǎn)）余額萬/r/n?/r/n元，不良率/r/n?/r/n為%。/r/n（/r/n?/r/n四）努力提/r/n?/r/n高綜合經(jīng)營/r/n?/r/n效益。一是/r/n?/r/n我行班子創(chuàng)/r/n?/r/n新考核方式/r/n?/r/n，實行經(jīng)營/r/n?/r/n目標(biāo)責(zé)任制/r/n?/r/n、支行等級/r/n?/r/n管理與支行/r/n?/r/n班子成員年/r/n?/r/n度考核相結(jié)/r/n?/r/n合的方式，/r/n?/r/n使收入分配/r/n?/r/n制度更趨合/r/n?/r/n理。二是加/r/n?/r/n強固定資產(chǎn)/r/n?/r/n購建，對固/r/n?/r/n定資產(chǎn)購建/r/n?/r/n實行計劃管/r/n?/r/n理，避免重/r/n?/r/n復(fù)建設(shè)與投/r/n?/r/n資。通過以/r/n?/r/n上措施，我/r/n?/r/n行財務(wù)狀況/r/n?/r/n得到明顯好/r/n?/r/n轉(zhuǎn)。至__/r/n?/r/n_年末，各/r/n?/r/n項財務(wù)總收/r/n?/r/n入萬元，比/r/n?/r/n上年增加萬/r/n?/r/n元，增長%/r/n?/r/n。其中利息/r/n?/r/n收入萬元，/r/n?/r/n比上年增加/r/n?/r/n萬元，增幅/r/n?/r/n%；各項財/r/n?/r/n務(wù)支出萬元/r/n?/r/n，實現(xiàn)帳面/r/n?/r/n利潤萬元。/r/n?/r/n當(dāng)年核銷呆/r/n?/r/n帳萬元，累/r/n?/r/n計計提呆帳/r/n?/r/n準(zhǔn)備萬元。/r/n?/r/n年末呆帳準(zhǔn)/r/n?/r/n備余額萬元/r/n?/r/n，呆帳準(zhǔn)備/r/n?/r/n率%，年末/r/n?/r/n定期存款應(yīng)/r/n?/r/n付未付利息/r/n?/r/n余額萬元，/r/n?/r/n備付率為%/r/n?/r/n，比上年增/r/n?/r/n加個百分點/r/n?/r/n，當(dāng)年計提/r/n?/r/n應(yīng)付未付利/r/n?/r/n息萬元，計/r/n?/r/n提率為%，/r/n?/r/n按___辦/r/n?/r/n事處綜合利/r/n?/r/n潤計算口徑/r/n?/r/n，___年/r/n?/r/n度實現(xiàn)綜合/r/n?/r/n利潤萬元，/r/n?/r/n比上年增加/r/n?/r/n萬元，增幅/r/n?/r/n%。/r/n三、/r/n?/r/n把握機遇，/r/n?/r/n加快改革，/r/n?/r/n改革工作進/r/n?/r/n展順利/r/n_/r/n?/r/n__年，我/r/n?/r/n行班子統(tǒng)一/r/n?/r/n思想，明確/r/n?/r/n各項工作以/r/n?/r/n改革為主線/r/n?/r/n，緊緊把握/r/n?/r/n機遇，加快/r/n?/r/n改革。在_/r/n?/r/n__年清產(chǎn)/r/n?/r/n核資、增資/r/n?/r/n擴股的基礎(chǔ)/r/n?/r/n上，于__/r/n?/r/n_月___/r/n?/r/n日召開了_/r/n?/r/n__農(nóng)村合/r/n?/r/n作銀行創(chuàng)立/r/n?/r/n大會暨第_/r/n?/r/n__屆股東/r/n?/r/n代表大會。/r/n?/r/n順利選舉產(chǎn)/r/n?/r/n生了___/r/n?/r/n農(nóng)村合作銀/r/n?/r/n行第___/r/n?/r/n屆董事會、/r/n?/r/n監(jiān)事會和行/r/n?/r/n長經(jīng)營班子/r/n?/r/n，法___/r/n?/r/n理架構(gòu)初步/r/n?/r/n形成。同時/r/n?/r/n隨即開展組/r/n?/r/n建___農(nóng)/r/n?/r/n村合作銀行/r/n?/r/n的籌備工作/r/n?/r/n，即時上報/r/n?/r/n開業(yè)申請材/r/n?/r/n料及分支機/r/n?/r/n構(gòu)開業(yè)請示/r/n?/r/n，經(jīng)過近_/r/n?/r/n__個月的/r/n?/r/n籌備，于_/r/n?/r/n__月__/r/n?/r/n_日順利召/r/n?/r/n開___農(nóng)/r/n?/r/n村合作銀行/r/n?/r/n成立大會。/r/n?/r/n___農(nóng)村/r/n?/r/n合作銀行的/r/n?/r/n成立，標(biāo)志/r/n?/r/n著我市農(nóng)村/r/n?/r/n信用社改革/r/n?/r/n取得了實質(zhì)/r/n?/r/n性進展。合/r/n?/r/n作銀行成立/r/n?/r/n后，要求央/r/n?/r/n行票據(jù)據(jù)兌/r/n?/r/n付領(lǐng)導(dǎo)小組/r/n?/r/n迅速展開工/r/n?/r/n作，一方面/r/n?/r/n對資本充足/r/n?/r/n率、不良貸/r/n?/r/n款比例降幅/r/n?/r/n等指標(biāo)按月/r/n?/r/n進行監(jiān)測，/r/n?/r/n加強對風(fēng)險/r/n?/r/n資產(chǎn)結(jié)構(gòu)、/r/n?/r/n不良貸款的/r/n?/r/n監(jiān)控，確保/r/n?/r/n資本充足率/r/n?/r/n在___%/r/n?/r/n以上，不良/r/n?/r/n貸款降幅在/r/n?/r/n___%以/r/n?/r/n上；另一方/r/n?/r/n面開展政府/r/n?/r/n扶持政策的/r/n?/r/n落實工作，/r/n?/r/n取得兩塊國/r/n?/r/n有出讓土地/r/n?/r/n，土地出讓/r/n?/r/n金共計萬元/r/n?/r/n已全額返還/r/n?/r/n。至此，央/r/n?/r/n行票據(jù)兌付/r/n?/r/n條件已基本/r/n?/r/n完備。由于/r/n?/r/n各項改革措/r/n?/r/n施落實得力/r/n?/r/n，改革的/r/n?/r/n各項工作正/r/n?/r/n穩(wěn)步向前推/r/n?/r/n進而且進展/r/n?/r/n順利。/r/n四/r/n?/r/n、轉(zhuǎn)換機制/r/n?/r/n，創(chuàng)新制度/r/n?/r/n，內(nèi)控制度/r/n?/r/n更趨健全/r/n?/r/n以合作銀行/r/n?/r/n成立為契機/r/n?/r/n，我行領(lǐng)導(dǎo)/r/n?/r/n班子提出了/r/n?/r/n轉(zhuǎn)換機制，/r/n?/r/n完善法__/r/n?/r/n_理架構(gòu)，/r/n?/r/n構(gòu)建一套良/r/n?/r/n好的經(jīng)營管/r/n?/r/n理和運營機/r/n?/r/n制，賦予合/r/n?/r/n作銀行新發(fā)/r/n?/r/n展內(nèi)涵的工/r/n?/r/n作目標(biāo)。一/r/n?/r/n是初步建立/r/n?/r/n法___理/r/n?/r/n架構(gòu)。按照/r/n?/r/n董事會、監(jiān)/r/n?/r/n事會及經(jīng)營/r/n?/r/n班子各負(fù)其/r/n?/r/n責(zé)、相互制/r/n?/r/n衡的法__/r/n?/r/n_理經(jīng)營機/r/n?/r/n制，制定了/r/n?/r/n“三會”職/r/n?/r/n責(zé)、議事規(guī)/r/n?/r/n則等，以進/r/n?/r/n一步增強“/r/n?/r/n三會”民主/r/n?/r/n決策、接受/r/n?/r/n監(jiān)督的意識/r/n?/r/n，確保了經(jīng)/r/n?/r/n營決策的科/r/n?/r/n學(xué)、民主、/r/n?/r/n高效。二是/r/n?/r/n實行授權(quán)管/r/n?/r/n理，董事長/r/n?/r/n對行長授權(quán)/r/n?/r/n，行長對基/r/n?/r/n層行授權(quán)，/r/n?/r/n做到分級經(jīng)/r/n?/r/n營，責(zé)任明/r/n?/r/n確。三是按/r/n?/r/n照“用制度/r/n?/r/n管人，用制/r/n?/r/n度約束人”/r/n?/r/n的原則，加/r/n?/r/n快對全行各/r/n?/r/n個層面內(nèi)控/r/n?/r/n制度的疏理/r/n?/r/n，重新整理/r/n?/r/n原有規(guī)章制/r/n?/r/n度并加以完/r/n?/r/n善，下半年/r/n?/r/n我行共制定/r/n?/r/n出臺涉及會/r/n?/r/n計財務(wù)、信/r/n?/r/n貸管理、信/r/n?/r/n息科技、安/r/n?/r/n全保衛(wèi)、風(fēng)/r/n?/r/n險管理、授/r/n?/r/n權(quán)授信等各/r/n?/r/n個方面的個/r/n?/r/n制度辦法，/r/n?/r/n使各部門職/r/n?/r/n責(zé)明確、各/r/n?/r/n崗位有章可/r/n?/r/n循，經(jīng)營活/r/n?/r/n動按章操作/r/n?/r/n，基本形成/r/n?/r/n了一整套科/r/n?/r/n學(xué)健全、操/r/n?/r/n作規(guī)范、管/r/n?/r/n理嚴(yán)密、適/r/n?/r/n合我行要求/r/n?/r/n的內(nèi)控管理/r/n?/r/n體系。/r/n五/r/n?/r/n、加強管理/r/n?/r/n，狠抓落實/r/n?/r/n，按章操作/r/n?/r/n漸入人心/r/n?/r/n合作銀行成/r/n?/r/n立后，結(jié)合/r/n?/r/n制度建設(shè)，/r/n?/r/n班子成員充/r/n?/r/n分認(rèn)識到加/r/n?/r/n強管理，狠/r/n?/r/n抓制度落實/r/n?/r/n的重要性，/r/n?/r/n要求各部室/r/n?/r/n加強督促、/r/n?/r/n輔導(dǎo)、檢查/r/n?/r/n，以保證制/r/n?/r/n度執(zhí)行的嚴(yán)/r/n?/r/n肅性。一是/r/n?/r/n加大新發(fā)生/r/n?/r/n不良貸款的/r/n?/r/n問責(zé)力度。/r/n?/r/n要求各職能/r/n?/r/n部門加大對/r/n?/r/n新發(fā)生的不/r/n?/r/n良貸款的問/r/n?/r/n責(zé)力度和頻/r/n?/r/n度。全年共/r/n?/r/n進行了__/r/n?/r/n_次問責(zé)，/r/n?/r/n問責(zé)貸款金/r/n?/r/n額___萬/r/n?/r/n元，其中企/r/n?/r/n業(yè)貸款__/r/n?/r/n_萬元，自/r/n?/r/n然人貸款_/r/n?/r/n__萬元。/r/n?/r/n問責(zé)責(zé)任人/r/n?/r/n___人次/r/n?/r/n,對不良貸/r/n?/r/n款形成過程/r/n?/r/n和結(jié)果都進/r/n?/r/n行了問責(zé)，/r/n?/r/n對不良貸款/r/n?/r/n風(fēng)險進行了/r/n?/r/n認(rèn)真評估，/r/n?/r/n并提出相應(yīng)/r/n?/r/n降低和化解/r/n?/r/n風(fēng)險意見，/r/n?/r/n共收回不良/r/n?/r/n貸款___/r/n?/r/n萬元。二是/r/n?/r/n加大日常檢/r/n?/r/n查監(jiān)督力度/r/n?/r/n。通過加強/r/n?/r/n會計財務(wù)、/r/n?/r/n信貸、信息/r/n?/r/n科技、安全/r/n?/r/n保衛(wèi)等的日/r/n?/r/n常輔導(dǎo)檢查/r/n?/r/n，以提高管/r/n?/r/n理質(zhì)量和管/r/n?/r/n理水平。在/r/n?/r/n檢查___/r/n?/r/n發(fā)出會計財/r/n?/r/n務(wù)整改意見/r/n?/r/n書___份/r/n?/r/n，提出整改/r/n?/r/n意見___/r/n?/r/n條；發(fā)出安/r/n?/r/n保整改意見/r/n?/r/n書___份/r/n?/r/n，提出整改/r/n?/r/n意見___/r/n?/r/n條，對違反/r/n?/r/n安保制度的/r/n?/r/n___名責(zé)/r/n?/r/n任人，責(zé)成/r/n?/r/n支行按制度/r/n?/r/n規(guī)定進行處/r/n?/r/n罰；下發(fā)信/r/n?/r/n貸督導(dǎo)單份/r/n?/r/n，整改意見/r/n?/r/n條，實行停/r/n?/r/n崗清收__/r/n?/r/n_人，達(dá)到/r/n?/r/n人事并舉效/r/n?/r/n果。通過輔/r/n?/r/n導(dǎo)、監(jiān)督、/r/n?/r/n檢查和整改/r/n?/r/n，增強了全/r/n?/r/n行員工執(zhí)行/r/n?/r/n制度的自覺/r/n?/r/n性，使業(yè)務(wù)/r/n?/r/n操作更趨規(guī)/r/n?/r/n范，促進了/r/n?/r/n各支行信貸/r/n?/r/n操作、賬務(wù)/r/n?/r/n處理和內(nèi)部/r/n?/r/n管理向規(guī)范/r/n?/r/n化、制度化/r/n?/r/n方向發(fā)展。/r/n?/r/n三是扎實有/r/n?/r/n效開展案件/r/n?/r/n專項治理活/r/n?/r/n動。/r/n六、/r/n?/r/n率先重范，/r/n?/r/n轉(zhuǎn)變作風(fēng)，/r/n?/r/n行風(fēng)行貌煥/r/n?/r/n然一新/r/n_/r/n?/r/n__年，在/r/n?/r/n加快改革、/r/n?/r/n狠抓業(yè)務(wù)經(jīng)/r/n?/r/n營的前提下/r/n?/r/n，我行領(lǐng)導(dǎo)/r/n?/r/n班子把抓好/r/n?/r/n干部員工隊/r/n?/r/n伍的黨風(fēng)、/r/n?/r/n行風(fēng)、規(guī)范/r/n?/r/n化服務(wù)放在/r/n?/r/n重要工作日/r/n?/r/n程，深入開/r/n?/r/n展了保持_/r/n?/r/n__員先進/r/n?/r/n性教育活動/r/n?/r/n和規(guī)范化服/r/n?/r/n務(wù)活動，為/r/n?/r/n我行順利完/r/n?/r/n成各項業(yè)務(wù)/r/n?/r/n指標(biāo)提供了/r/n?/r/n堅強的保證/r/n?/r/n。一是強化/r/n?/r/n教育，提高/r/