Promote reform and development from "Deep"

Promote reform and development from "Deep"

Xu Shan

In order to thoroughly implement the spirit of the Sichuan Provincial Federation of the Association of Sichuan Province, the Sichuan Yanting Agricultural Credit Association has paid an eye on the shortcomings and applied to the right policy. , Eat the spirit of hard work and struggle, strive to achieve new breakthroughs in key tasks in the second half of the year, and work hard to achieve the three work goals of “continuous income increase in employees, institutional file upgrades, and reform of Rural Commercial Bank”. Use the actual results to submit a satisfactory answer to the 20th National Congress of the Communist Party.

"Graving marketing" and "spelling", actively innovate marketing ideas, and vigorously expand credit business

The joint cooperation has changed its "business" into "business" in marketing strategies, and effectively transforms the marketing awareness of "waiting for customers" and "wash your feet into the office". Good customers "work ideas, give full play to the" geographical "advantages of wide coverage and sinking channels, continue to carry out the" Wanshi Visit Thousand Visits "activities, take the initiative to attack and collect the valid credit needs of customers, and make every effort to enhance customers. Cover the surface with credit; make good use of existing credit products, comprehensively sort out existing credit products, rely on outlets and agricultural stations to actively carry out comprehensive marketing; strengthen remote credit loans "Shuxin E loan" marketing, through "enter" through "entering Methods such as organs and enterprises "and other methods, they always cooperate in total and obtain new customers in batches; make full use of the" Shuxin E loan "whitelist -list customer scope expansion and the stock quota of the stock list can be increased to 500,000 yuan. Focus on consumer scenarios, pay attention to personal consumption scenarios such as decoration, home appliances, furniture, etc., carry out precise marketing for customers with demand, follow up and implement them by households; actively carry out special marketing activities for loans, and use customer management system "online" to obtain customers. Ability, push high -quality customer information to the front platform, combine the "online" system with "offline" outlets and personnel advantages, enhance customer acquisition capabilities, and improve the loan usage as much as possible; give full play to the adjustment of organizational structure, institutional integration management The advantages, the persons in charge of each institutional personnel truly be the commander and commander of the management outlets, make every effort to improve the business quality and efficiency of the outlets. It is necessary to compact responsibilities, clarify division of labor, and effectively mobilize the initiative and enthusiasm of employees' loan marketing.

In terms of loans, the joint cooperation is based on the three lists of farmers, individual industrial and commercial households, and new agricultural business entities as the key service targets, and establishes three lists of "unprepared files, no files have been established without credit, and have not been used for credit", which continues to increase Farmers' microfinance of credit; visiting the new type of agricultural business entities in the jurisdiction, visiting the households, grasping its operating conditions, supply and marketing conditions, capital conditions, financial needs, and setting up files; Follow up, make full efforts to meet their financing needs, work hard, and effectively grasp the rural markets to achieve results, do a good job in the docking of government key projects, continue to follow up with state -owned platform construction projects such as SDIC, Agricultural Tourism, and Cultural Tourism Marketing work; actively connect with high -tech technology, clean energy and other specialized new SMEs, increase credit support, strengthen financial services, do a good job of consumer loan marketing, increase personal housing mortgage, public official loans and high consumer groups Housing mortgage, car mortgage, personal consumer loan marketing, robbing business development opportunities, maximizing the amount of loan input.

"Based on the foundation" and "long -term", around the strong foundation, resolutely keep the bottom line of compliance operation

Deep cultivation of "compliance as the first" ideas. The construction of compliance culture is not only a matter of compliance departments or compliance personnel. All employees are executors of compliance construction and compliance mechanisms. Compliance education is carried out through executives to talk about compliance and line training. The content of the training should be combined with the actual work of the business work of each line. It is targeted, practical, and instructed. It guides the road of grass -roots employees to the road of compliance and gradually realize the accumulation from quantitative changes to qualitative changes; On the basis of the past compliance operations, re -learning that is not learned and learned from the unreasonable and learned. Strengthen learning, conduct case warning education, vocational ethics education, field visits, compliance theme activities and other forms, and repeatedly preach, repeatedly emphasize, and strengthen reinforcement. The compliance consciousness of compliance employees, run compliance banks "entered their minds.

Build a "three -way defense line" solid fortress. The "three -way defense lines" perform their duties and conscientiously fulfilling the responsibilities of compliance risk prevention and control is an important guarantee for compliance operations. The first line of defense is to strictly implement the rules and regulations and operation processes in the front desk operation link. Each employee understands that he is "what should be done, how to do, to what extent" in the operation. Construction, combined with the comprehensive law enforcement inspection of the pedestrian and the on -site inspections of the regulatory department, check the leakage and supplement in time, and make the system "stand, reform, waste" with the times, and enhance the rigid constraints of the system. The second line of defense is to strengthen the inspection, guidance, and supervision of the line department. It is too poor to investigate a lot of risks at present, but the quality and effect are too poor. , Homogeneous and similar issues have repeatedly investigated the phenomenon. The departments of various line departments assume the main responsibilities of risk investigation work, study and formulate the investigation plans and plans of each line of this year, and systematically promote various risk investigations. Fully exposed the problem and stifle the hidden risk hazards to the bud state. The third line of defense is to make full use of audit methods to reveal the risk of compliance risks exposed in key events, critical links, and key issues of business lines, and conduct an independent evaluation of the appropriateness and effectiveness of the second defense defense to perform their duties. Tighten risk prevention and control. Do a good job of preventing and controlling the risk of "key areas". The joint committee continues to do a good job in the prevention and control of the case, and conducts risk investigations of key areas and important businesses of corporate governance, data governance, accounting operations, credit business, financial management, etc. quarterly. Difficulty, establish a list of issues one by one, and deal with the issue number to ensure that all kinds of problems are found, solve one, and regulate one. , Effectively enhance the level of management and risk prevention. Accountability and punishment have always been a means rather than the purpose. The strict governance of the society is not only to grasp the supervision, inspection, accountability and punishment, but also to find a job to start in all aspects of all aspects before, and afterwards. The pass should be moved forward as much as possible to prevent small problems from evolving into a big problem.

"Being brave" and "good action", further strengthen the construction of style, consolidate the development of strong joint efforts

Strict work discipline, talk about politics, discipline, and understand the rules. The major matters of the Yanting Agricultural Credit Association asked the county party party committee to study and decided. No one allows them to be on their own, then be cut, or even cut without playing; whether cadres at all levels work or go out. The leader asked the report, and the matters of the report should be requested. First, the report should be requested. After obtaining the consent, the implementation of the procedure cannot be implemented. Essence

Improve work style, be brave, good, and improve quality. The union vigorously promoted Comrade Ai Yubin's emphasis on the spirit of the work of "traveled all thousands of mountains and rivers, walked into thousands of households, speaks thousands of words, and eaten all the hard work" The spirit of struggle must correct the "inaction", "slow actions" and "chaos" that some management cadres show in the current severe situation. The objective state of difficulties in the situation cannot be used as a reason for not working hard or officers, let alone complain about accusations. In particular, this negative emotion cannot be transmitted to customers and employees. A managed cadre actively acts as a role, and it is based on the state, moving due to the state, and entering due to the situation. The principle of negotiating should be held, and the errors in the first trial, resolving the remaining problems, and responding to emergencies are distinguished to promote the emergence of development. Mobilize the enthusiasm of all cadres and employees to form a good atmosphere that is conducive to cadres and employees to work hard and start a business.

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