Since it was recognized as a backward Party branch by the head office of Agricultural Development Bank in 2021, Longnan Wudu sub branch of Agricultural Development Bank has actively examined the problems, faced up to the gap, paid close attention to the improvement, actively composed the "prelude" for leading Party construction, played the "March" for tackling tough problems, fought a beautiful "turnaround", won the first prize of pioneer sub branch in the "good start" of the labor competition of the head office of Agricultural Development Bank in the first quarter, and successfully ranked among the first. Up to now, the bank's loan balance is 2.774 billion yuan, a year-on-year increase of 68.71%, the deposit balance is 1.041 billion yuan, and the average daily deposit balance is 914 million yuan, a year-on-year increase of 955.31%, ranking second in the national agricultural development bank system.
compose the "prelude" to leading Party Construction
Adhere to the "Four Integration" of Party building guidance and production and operation, theme party day, advanced demonstration and Party building brand, study and formulate the improvement plan for Party building of Wudu sub branch Party branch, promote the in-depth integration of Party building and central work, and give full play to the role of the branch as a fighting fortress. In view of the phased problems of business development, Party member meetings have been held for many times to analyze and judge the business development situation and objectives, and greatly improve the participation and cohesion of all employees. Solidly promoted the inheritance of the spirit of Centennial party history, organized 7 special theme party day activities of all kinds of party history education, and improved the entrepreneurial passion of employees throughout the bank. Practice the working idea of "one branch and one brand", firmly do a good job in the five articles of "water, green, land, city and industry", fully support the development of green ecotourism, river ecological governance and medical and elderly care industry, and build the brand of "green bank" with green finance. A total of 10 cultural, tourism and health care projects have been marketed, with an amount of 5.21 billion yuan, an approval of 2.63 billion yuan and a total investment of 650 million yuan.
played the "March" to overcome difficulties
After the establishment of the new branch team, Wudu branch of Agricultural Development Bank has always been firm in its confidence and determination that "the start is a decisive battle and the start is a sprint", and spared no effort to promote business development. For the project reserves of three counties and one district under its jurisdiction, draw the "battle map", adopt the wall map operation mode, quantify and refine the work objectives, manage the tasks with the "map", clarify the responsibilities with the "map", and concentrate on overcoming difficulties. Establish a "project tackling group", carry forward the fighting spirit of not falling behind, actively practice the characteristic culture of Gansu Agricultural Development Bank of "innovation, excellence and implementation", jointly establish project financing and promote wechat group with key enterprises and relevant departments in Wudu District, invite the main leaders of the district Party committee to join the group for supervision, efficiently connect with the district government office, financial office and relevant administrative departments, establish an "all-weather" docking mechanism and jointly promote the implementation of the project. In 2021, the annual marketing reserve of various loans was 11 billion yuan, the approved loan was 4.84 billion yuan, and the loan to 12 enterprises was 966 million yuan, ranking the 11th among the 51 county-level sub branches in the province. In the first quarter of 2022, 372 million yuan of various loans were invested, realizing a "good start" in business.
Wudu sub branch of the Agricultural Development Bank has made every effort to raise funds for supporting agriculture. The leading group has led a team to visit, reported and talked earnestly, continued to follow up the marketing of special bonds and special funds for tourism development, built a fulcrum of friendly cooperation between government, bank and enterprise, and promoted the district human resources and Social Security Bureau to use Wudu sub branch as a cooperative bank with a special account for migrant workers' working capital deposit; With the loan customers as the main line and around the concept of "customer service as the center", all departments cooperate with each other, extend the development of non loan customers, refine deposit marketing measures, pay close attention to the marketing of upstream and downstream enterprises of loans, strictly implement the closed-loop management of credit funds, and realize the good trend of credit funds circulation in the bank. Since 2022, the accumulated marketing special bonds and financial funds have reached 135 million yuan, and 21 new customers were added in that year, including 10 effective non loan deposit customers and 209.65 million marketing non loan deposits, with a year-on-year increase of 965.33%.
play the basic management "Concerto"
Wudu sub branch of Agricultural Development Bank of China pays attention to business training and the role of "mentoring", from the internal rules and regulations to the basic business operation process, from the project professional knowledge to the proficiency of loan marketing products, from the basic operation of CM system of credit line to the launch of the new core collection of operation line, so as to ensure that every link of each department has leaders who master the core business knowledge, and build a team with high political quality, strong professional ethics Agricultural support service team with excellent professional skills. Pay close attention to risk prevention and control, adhere to full coverage, focus and keep the bottom line, continue to carry out regular post loan management meetings on a monthly basis, focus on the production and operation, financial status, use of credit funds, post loan supervision performance, existing risks and resolution measures of loan enterprises, and study and agree on post loan supervision plans one by one; Give play to the spirit of persistent struggle, do a good job in the special action of clearing and reducing non-performing and risky loans for 100 days, strengthen the risk management in debt related loans, small and micro enterprises, key construction funds and other fields, and clear the attention and non-performing loans through door-to-door collection, legal litigation, financial control compensation, government assistance and other methods. By the end of 2021, the accumulated cash collection of non-performing loans was 14.31 million yuan, the balance of non-performing loans and non-performing rate decreased by 13.3 million yuan and 1.04 percentage points respectively compared with the peak of the year, and the task of clearing and reducing non-performing loans issued by provincial branches was fully completed.
Next, Wudu sub branch of the agricultural development bank will continue to revitalize the countryside based on industry, deeply integrate into the development of "agriculture, rural areas and farmers", accumulate innovation kinetic energy and thick value development advantages, and continuously increase agricultural support to help the Rural Revitalization of Longnan run out of the "acceleration".
Author: Feng Rong
