The main asset business credit business is the main source of rural credit cooperatives, and rural credit cooperatives at present profit. The quality of credit assets directly affect the rural credit cooperatives to cope with domestic and international financial competition, improve the core competitiveness and to support the "three rural". Therefore, now how to improve the quality of new loans of rural credit cooperatives, talk about some superficial view. We should attach great importance to improving the quality of new loans, attach great importance to strengthen the case prevention and governance, attaches great importance to strengthen each execution, attach great importance to the implementation of the operation management process, attaches great importance to change management idea, attaches great importance to improve the overall quality of the staff. Now how to improve the quality of new loans of rural credit cooperatives, talk about some superficial view

(a) the strict loan access, to guard against credit risk from the source.

A rational use of talent resources.The county cooperative business department or regional center outlets to centralized management advantage, talent advantage, mainly to meet the financial needs of larger regional amount. For large loans, project loans audit, centralized urban or regional center part of the high quality network management, improve the level of specialization. In recent years the recruitment of students to absorb excellent personnel to the city network credit work, strict large loan approval procedures. At the same time, enrich the power customer department, credit department personnel, large loans by the customer department of the County Association Sales Department or the city center dot trial, conduct a joint investigation. Joint investigation report to credit department review review, after review submitted loan review will discuss. To submit a credit department, customer review comments in question, the commission members to borrowers with further investigation and verification of the door.

Two is to strengthen supervision and inspection on loans.Insist on each loan payment according to the process operation, to prevent reverse flow operation. In the lending process, play well appointed supervisory function of accounting, to earnestly perform delegated supervisory function of accounting. In every loan payment process, to verify the borrower identity, prevent kana, false loans; to review the loan information, to prevent data loss. The ECE school accounting review compliance with loan procedures loans on the counter for the transfer, the loans to individual settlement account. School of economic accounting review, do not meet the conditions of the loan application will not be issued. In the larger volume of business outlets, to try new credit risk supervisor position (usually by the credit part-time), make clear the good credit business work at the same time, also defined as a credit risk supervisor job duties (mainly come to check on the amount of loan, will enlarge) at the end of the year by the county's assessment, if the assessment in 90 minutes of above, to give a certain job subsidies.

Three is to reasonably determine the loan limits and deadlines.According to each credit agency business development level, management level, credit officers the power to issue loans to determine different. Then, according to the different credit cooperatives loan authority, by the credit of the different positions of authority division. Such as the credit loan approval group, director of credit, credit union members of different loan authority. Exceed authority approving the loan grassroots credit cooperatives loan County union approval report. To check each credit agency and the post of different credit rights at the same time, we also should rationally determine the duration of the loan, according to the production cycle, determine a reasonable period of the loan, the artificial extension of the loan period, to escape the term management responsibility should also be held responsible. Such as: on the issuance of new loans for the three consecutive quarter of unpaid interest, borrowers default interest according to a certain proportion of the amount of the responsible person to a fine. Actively guide customers to take a "time servicing" flexible repayment.

(two) the loan structure, maintain pressure. One is to do better the mortgage.Gradually compressed guaranteed loans, improve guaranteed a second source of repayment mortgage. Actively provide a good forest right mortgage loans, housing mortgage, pledge loans shops. On the scale, profitability, market of the SMEs in the industrial park, industrial delivery room loans, land use right mortgage. The industrial park a large loan, to store in the industrial park warehouse pledge, by the rural credit cooperatives in the warehouse keeper.Two is to do meticulous microfinance.Loan as rural credit cooperatives brand, must do fine with strong. The rural credit cooperatives and give full play to the enthusiasm of village cadres, assist the rural credit cooperatives conscientiously carry out investigation work, seek truth from facts to carry out a good credit rating, just the determination of credit limits, from the source to prevent credit risk. To have issued the certificate of microcredit farmers, as long as the loan application conditions of the loan, issuing microcredit loans as soon as possible.Three is in good credit varieties.Actively with the local government report, combined with the construction of new countryside, develops the good farmers housing loans to farmers, the government planning to the construction of new countryside in the new housing, housing in the period to apply for housing loans to farmers, issued by the rural credit cooperative housing loans, the government give part of the interest subsidy.

(three) the good responsibility, implement the new non-performing loan responsibility.The new non-performing loan accountability approach, namely on the issue since the 2005 Provincial Association established new bad loans were personal responsibility, the specific penalties on the formulation of related responsible persons: loans or new bad loans issued since 2005, never paid for making loans or the three consecutive quarter of unpaid interest, according to a certain percentage of the responsible person to a fine. Ineffective due to the loan collection, resulting in loss of limitation of action of loans, the responsible person shall be fined 100 yuan / pen. County Association will continue to deploy capable forces, to carry on the comprehensive inspection to the rest of the network, is one of the focuses of personal responsibility for the Provincial Association set up branches new bad loans, then the accountability to formulate new bad loans accountability approach.

(four) the good appraisal, strict appraisal incentive mechanism.Examination is not the ultimate aim, the key is to pass the examination, guide the staff especially the loan officer to firmly establish the quality consciousness in pursuit of loans, loan business development at the same time, give priority to ensuring good quality loans.One is to increase the quality of credit evaluation index.This year, my county in the rural credit cooperatives assessment to strengthen the due loans, loan interest rate maturity recovery rate of bad loans, "double down" index assessment. At the same time, the credit evaluation, the performance of duties of the appraisal work force.Two is the strict accountability assessment efforts.The non-performing loan assessment not only to assess the proportion of non-performing loans decreased index, but the absolute amount of non-performing loans decreased assessment index, the bad loans did not fall but rise, "double down" bad work units related personnel to carry out strict accountability. Finish the collection target task not promote, not the first, do not qualify. For in a credit social responsibility Xindaiyuan period caused a lot of bad loans, back to the original credit cooperatives are full-time full-time during the collection of non-performing loans, collection, payment of the cost of living.

1, grasp four key, improve the executive ability. One is theCatch team. Urge their union group to comprehensively strengthen the self construction, strengthen leadership, fighting capacity, cohesion, from time to time everything to become employees of the model.TwoGrasp the guide. Operation of each agency, according to different, different types of cooperatives to take different measures, the coordinated development of the "grasping both ends, with the middle" work thinking guidance, accelerate business development, product innovation, achieve better; on the part of the backward society, formulate specific assistance measures, increase efforts to, make them as soon as possible out of the predicament of management.ThreeGrasping check. Give full play to the function of audit, inspection, special inspection order, put an end to all kinds of resort to deceit behavior.FourGrab mechanism. Guide the jurisdiction of further improve the assessment methods and marketing performance evaluation methods, the formation of the executive mechanism, mobilize the enthusiasm.

2, seize the four key, improve the structure of assets. One is theGrasp the "two" loans. Relying on the non-performing loan four level account and credit management system, and urge all Union pays special attention to the "two" loans, destroy the petty long-term "sleep households"; more than 500000 yuan of large loans to people, households, the responsibility to the people, checking account.TwoCatch against (quality) and loans to clean up. In the last year against (quality) basic pledge loan of a comprehensive clean-up, increase the violation against (quality) collection and preservation of mortgage loans.ThreeCarried out in accordance with the law collection. Strengthen and public security organ, the court, by judicial power maintenance credit rights, against acts of dishonesty, purify the credit environment.FourStrengthen employee self borrowing, loan recovery results. Urge the association to continue to do a good job employee self borrow, secured loan collection, collection to ensure collection to closely monitor the dynamic, comprehensive place. At the same time, urge the union discipline inspection, supervision, make full use of legal, regulatory and other means, a comprehensive collection of cadres and staff for the financial system.

3, seize the four links, break through the standard bottleneck.

One is theGrasp the process training. Then, according to the post training professional organizations to carry out the operation process, so that every employee can meet the job requirements, master the risk factors and key operation points.

TwoGrasp the process implementation. The overall conduct of the process of the implementation of the inspection, make according to the procedure becomes a daily habit.ThreeTo appoint accounting construction. Increase the appointed accounting training, improve the quality of accounting accreditation. To strengthen the accounting accreditation evaluation management, evaluation objective and true accounting accreditation work, fulfill the corresponding rewards and punishments.

FourGrasp supervision. A level, to a level, layers of implementation, the ascension of the whole to standardization level.

4, seize the four level, accelerate the pace of development. One is theGrasp the microfinance. A continuation of last year's microfinance promotion work, combined with the truth, a quarter to mend the loan procedures, loan file, credit card, loan four class. To obtain the international quality service system as an opportunity, and effectively improve their loan quality.TwoAnd the industrialization of agriculture loan. Around the "double ten, hundred, two thousand" project, for production, sell each segment, a key support at the local repercussions larger, development potential, prospects of the project, the middle one-stop supply and marketing of agricultural leading enterprises.ThreeDo a good job of forest right mortgage loan, farmers housing loans and credit community loan, meet all kinds of decentralized economic organization effective demand for credit funds.

Not everything is meaningless, if not seize the opportunity to accelerate development, development prospects will lose credit cooperatives. Therefore, we should strengthen confidence and determination, do:

Development in the standardized operation. One is thePerfect the accounting accreditation system. To strengthen the accounting accreditation training, supervision and evaluation, improve the ability and quality of accounting accreditation, evaluation objective and true accounting of assigned work, fully mobilize the enthusiasm of Appointing Accounting, accounting supervision, play the delegated management role, promote the accounting accreditation work institutionalized, standardization.TwoStandard cost management. Continue to receive a fixed system, effective control of expenditure, efforts to reduce operating costs, increase the write offs and loss provisioning efforts, further enhance risk provision coverage ratio.

Seeking development in business innovation. One is theUse of customer center, realize the double management mode. Give full play to the customer centered business advantage, avoid credit risk, standardize loan management, loan process, timely optimization and improve the service level, to provide more safe, stable, convenient, comprehensive, real-time, efficient financial service for customers, realize the sustainable development of the credit cooperatives.TwoTo grant loans to improve rural Party members, Party members in rural areas "dual" ability, especially the difficulties in rural Party members entrepreneurial wealth of opening a quick, convenient, effective credit Easy Access.ThreeBased on the resource, highlighting the advantages, do the work of forest right mortgage loan. We will further standardize the operation process, perfect the management system and other measures to carefully build the credit brand, the forest right mortgage loan in advance. At the same time based on the bamboo resources I County, out of wood processing enterprises credit community of this financial product, explore the credit opportunities, fully meet the credit needs of small and medium sized enterprises.

Seeking development in promoting the culture of. One is theConscientiously implement the Provincial Association for in-service education management, enhance staff education.TwoConsolidate the achievements of VI construction, standard transformation focus on office, place of business, internal identification label and boutique outlets decoration work.ThreeContinue to promote the "star employees" selection activities, improve the incentive mechanism, improve Pingxian recommendation system, create good atmosphere for all employees "everyone, each school for advanced pacesetter".

Development to ensure the safety of. One is theGive full play to the advantage of credit management system, to avoid credit risk. We should make full use of credit management system, closely supervise each agency, real, dynamic reflecting the quality of loans, improve risk early warning capability of rural credit cooperatives.TwoGive full play to the role of the audit of internal audit, strengthen supervision and management. Establishment of punishment mechanism, increase efforts to investigate and deal with the illegal operation, establish deduction ledgers, in-depth case management audit inspection, give full play to the credit, financial, information technology and other departments to carry out the function of non on-site supervision, promote each employee to get into the good habit of operation, to do everything by rule.