Summary of personal work of bank collection

Summary of Personal Work in Banks

Time flies, and a period of work activities has come to an end. Looking back on the work in the past, we have gained a lot, so we should do a good job summary. In order to make it easier and more convenient for you to write a work summary, the following is a sample essay on personal work summary of bank collection, which I have compiled for you. Welcome to read and collect it.

summary of personal work of bank collection 1

2XX years ago, under the correct leadership of the higher authorities, all the staff of Hengshan Rural Credit Insurance worked together to overcome difficulties and achieved gratifying results in the work of clearing rights from Africa. At the end of 2XX, * * * managed non-performing loans of RMB 34.12 million. 23 households were prosecuted according to law, amounting to 2.13 million yuan, 2 households were issued with payment orders, amounting to 1.67 million yuan, and 4 households were bankrupt and defended their rights, amounting to 11.49 million yuan, and 1.36 million yuan was recovered. Assisted the court in judicial custody for 16 person-times, recovered 4 houses and auctioned 7 cars. In the whole year, * * * recovered 8.12 million yuan of principal and interest of non-performing loans, including 5.92 million yuan of principal and 2.2 million yuan of interest, completing 116% of the task, accounting for 57% of the total recovery of non-performing loans in the county. Looking back, the main task is to do a good job in the following aspects:

First, strengthen management and grasp the establishment of rules and regulations.

with the deepening of the system reform of rural credit cooperatives, facing the complicated social environment and the future development of rural credit cooperatives, asset preservation has higher requirements, which requires us to constantly improve and innovate. In order to better implement the spirit of the reform of provincial credit cooperatives and meet the requirements of credit risk prevention and non-performing asset management, all asset preservation must be repositioned, and its functions should be changed, from single collection to rights protection, collection, management and prevention. To this end, Baoquan formulated the "Measures for the Management of Assets Preservation and Revitalization of Hengshan County Rural Credit Cooperatives" at the beginning of the year, which will preserve and collect assets, safeguard the rights of credit assets, manage debt-paying assets, manage and dispose of replacement assets, implement standardization and assign tasks to people, and sign target responsibility contracts and post responsibility contracts at different levels. Subsequently, the Measures of Assessment and Reward for Disposal of Non-performing Assets, the Measures of Management of Non-performing Assets, the Measures of Disposal of Non-performing Assets and the Measures of Accountability for Management of Non-performing Assets were formulated one after another. At the same time, in order to solve the problem that the foundation of debt-paying assets and the limitation of action are unclear and the responsibilities are unknown for a long time, after three months of exploration and research, the software of credit rights protection system was developed, which fully computerized the management of non-performing assets in the county, and the limitation of action was warned and the responsibilities were unknown. It also played a decisive role in fully completing the task of collecting non-performing assets.

second, strict assessment, grasp the implementation of the system.

Adhering to "people-oriented" is the essence and core of scientific development. In order to fully mobilize the enthusiasm of the majority of team members, ensure that all the players really break the pot of rice, take the lead in canceling the file salary, pay according to performance, not cap the salary, not guarantee the bottom, overfulfill the task, and give special bonuses to those who have made special contributions. In this way, the responsibility is truly implemented on the shoulders of each team member, so that employees can understand that only performance can be paid, and only contribution can be rewarded. Over the past few years, we have fulfilled the contract in strict accordance with the system and target responsibility. The player with the highest salary can get 1, yuan a year, and the lowest is less than 1, yuan. However, employees still strongly support it without complaint. Comrade Luo Jianliang, who guarantees all of them, always thinks that it is too difficult to get a clear income in xx, and he can't get a salary. He only spends more than 1, yuan a year and focuses on the tertiary industry, but he can earn 2, to 3, yuan by doing it day and night all the year round. At the beginning of xx, he changed his mind and devoted himself to his work. In the past year, the team has recovered the loan principal and interest of 2.24 million yuan, including the principal of 1.57 million yuan and the interest of 67, yuan. According to the assessment, he got a salary and bonus of more than 5, yuan.

third, learn from the "foolish man" and grasp the "rights protection" of assets.

with the deepening of the reform of state property right system, Hengyang municipal government proposed that "the property right system reform of state-owned enterprises in cities and counties should be completed in two to three years", and the state-owned enterprises and township enterprises in our county went bankrupt. For the sake of local interests, they often used the opportunity of restructuring to evade the debt, which seriously damaged the security of credit funds of credit cooperatives and made it difficult for credit cooperatives to safeguard their creditor's rights. In order to reverse this situation, we should carry forward the spirit of "foolish men move mountains", strive hard and resolutely safeguard the legitimate interests of credit cooperatives. Dongxing Porcelain Factory in our county is a township enterprise. Since 1994, the loan principal and interest owed by * * * to credit cooperatives totaled 26.73 million yuan, which has always been a major problem for local credit cooperatives and a key object of long-term concern of Baoquan. On July 2th, 2XX, the factory filed a bankruptcy application with Donghu Town Government, and the county township enterprise bureau and county restructuring office approved the bankruptcy on October 9th, 2XX. After we got the news, we quickly intervened and asked the town government and county government for direct participation in the bankruptcy liquidation of the factory for more than ten times. After careful verification and investigation of the factory, Baoquan sought coordination from the county government and the town government for many times, sought the court to explain the situation, and expounded our position. Finally, it was strongly supported by the county government and the county court. On May 3, 2XX, the county government made a summary of the county magistrate's special meeting, and decided to repay the loan of the credit cooperative for 1 million yuan when the total assets were auctioned for 1.4 million yuan. On July 31 this year, after the second public auction failed, it was sold for 1.4 million yuan, and on December 23, the court paid 1 million yuan in full to the credit union, so the bankruptcy case that lasted for more than two years came to an end. In 2XX, such bankruptcy rights protection ensured that all cases were closed, which reduced the loss of credit cooperatives by 1.7 million yuan.

fourth, dare to face difficulties and grasp the law to attack.

tackling the problem according to law is always the theme of asset preservation, and it is also the magic weapon for our success. As the saying goes, "it is necessary to strike hard while the iron is hot". If you have legal weapons, you will not dare to hit hard, and it will not achieve the effect of tackling hard. Therefore, all the key players in Asset Protection have a "hard skill". In 2, Shenmou of Hengyang borrowed 4, yuan from Changjiang Credit Cooperative of our county in his own name. After the loan expired, he never returned the principal and interest. The credit cooperative repeatedly collected it and always avoided it. When it was about to lose its validity, the credit cooperative paid off all the money. In August of 2XX, all the staff worked hard for many times, and Shen agreed to return it in November of 2XX, and signed a loan contract again. After the loan expired, Shen refused to repay the loan with various excuses, and the Audi car originally agreed to be mortgaged was given to a third person. The credit union had no choice but to pay back all the money. Baoquan quickly filed a lawsuit with Hengshan County Court and applied for property preservation. At 6 pm on January 9, the car was found in Nanyue, so he immediately contacted the court and detained the car. The other party took advantage of the mortgage agreement written by Shen to organize dozens of people to forcibly stop it, and forcibly took away the detained vehicles, causing hundreds of onlookers and interrupting traffic for several hours. In the face of such a scene, we did not fear or retreat. On the one hand, we tried our best to cooperate with the court to control the situation and explain it to the masses. On the other hand, we reported to the leaders of the Associated Press and the court, mobilized our strength, and requested support from the local public security organs, which lasted for more than seven hours. With the support of the local public security organs and the judicial police brigade of the court, the leader who organized the trouble was finally put into judicial custody at 2 am. Due to the majesty of the law, the stolen vehicle was sent to the court for seizure the next night. Later, we successively seized and detained another car and two houses of Shen in Changsha. Now Shen owes a huge debt and the lawsuit is entangled, and his whereabouts have long been unknown. In November, 2XX, we held a public auction for two cars and got 31, yuan. The house also entered the auction procedure, and it is estimated that we can get 3, yuan. So far, this hopeless loan has not lost a penny, and more than 7, yuan of principal and interest has been recovered. According to statistics, more than 6% of the loans we recovered were made by hitting hard, and each sum has a wonderful story.

fifth, not afraid of hardships, pursue hard to solve stubborn diseases.

In today's society, with increasing honesty, financial debts are like "Tang monk's meat". If you can escape, you can rely on it, or even go out for a long time and settle down. In the face of such a social integrity environment, we know that there is no spirit that can bear hardships, fight and contribute. Without a group of hard-working players who love their jobs, are both intelligent and brave, and are willing to contribute, we can't talk about tackling the right and wrong. Over the past few years, all the comrades have gone north and south, moving east and west, traveling hundreds of thousands of kilometers, day and night, rain or shine, making debt evaders have nowhere to hide. Huang Yucheng, a villager from Shi 'ao Village, Wangfeng Township, our county, borrowed 249,6 yuan from Wangfeng Credit Cooperative for 13 times from February 1993 to December 1998. After repeated collection by the Credit Cooperative, he only repaid the principal of 6,6 yuan and part of the interest, and owed 24,114 yuan in interest.

Due to serious losses caused by car purchase and business, the credit union has been out of town since 1999, and paid the insurance in 2XX. After Bao Quan took over, on the one hand, he asked his family (parents, brothers), relatives and friends for information, on the other hand, he quickly filed a lawsuit with the court, and the court quickly made a default judgment. In 2OO5, when we were implementing another borrower in Zhijiang, Huaihua, we learned that Huang had a motorcycle dealership in Linwu in partnership with others and had certain assets. So Baoquan quickly organized personnel to rush to Linwu, but he avoided it. Looking for the owner of the motorcycle shop also denied that Huang was a partner in opening a shop, just helping him run the business. Later, he went to Linwu three times and five times in vain. In June, 2XX, we got to disappear. Huang had set up a shop alone in Linwu. Although it was raining cats and dogs, we went straight to Linwu without hesitation. After arriving in Linwu, we didn't disturb him first, but inquired about his property status through industry and commerce and banks. The cunning industrial and commercial registration of him was actually someone else's name, so we carefully investigated and finally caught him. All the rental contracts of the store were signed by him, and the people nearby also reflected that the store was owned by him, and sent people into the store secretly to understand. After getting sufficient evidence, we went to judicial custody. In the face of a lot of facts, he had to bow his head and do it at once. Just because of this money, the credit union, which has been losing money for three years in a row, took off its loss hat in one fell swoop.

In the past year, he had a hard work, joy, achievements and hope. He was proud of the correct leadership of the Party Committee of the Union, the strong support and cooperation of the Credit Union, and even more proud of the hard work and selfless dedication of all the team members. Although we have made some achievements, we are still far from the requirements of our superiors. We know that the road to safeguarding the rights of rural credit cooperatives will be even more difficult in the future, and the task waiting for us will be even more arduous. We will continue to work hard and make greater contributions to fully completing the task of double reduction of non-performing assets in our county and optimizing the environment for safeguarding the rights of non-performing assets and collecting them. Summary of personal work of bank collection 2

In the first half of the year, according to the spirit of the document "Opinions of xx Rural Credit Cooperatives on Closing Work in xx", our city union made strict arrangements and arrangements for the work of collection and pressure reduction, and achieved certain results. By the end of June, according to the five-level classification standard, we had recovered a total of xxx million yuan of non-performing loans with a net pressure of xxx million yuan, completing xxx% and xxx% of the plan issued by the municipal office respectively, and the proportion of non-performing loans decreased by xxx percentage points. Looking back on the collection work in the first half of the year, our association has mainly achieved the following tasks:

1. Main work measures

1. Formulating plans and defining objectives. At the beginning of the year, our association set up a leading group for clearing and closing activities with the chairman as the group leader, and formulated the Opinions on Clearing and Closing Activities of xx Rural Credit Cooperatives in xx, and decomposed the xxx million yuan clearing plan and 2 million yuan net pressure plan issued by the Municipal Office into each grass-roots cooperative. At the beginning of April, based on the investigation of non-performing loans of rural credit cooperatives in the city before the end of March, our agency specially issued the "Work Plan of xx Rural Credit Cooperatives' xx-Year Clearing and Tackling Activities", and from April 1, the focus of credit work will be shifted to the work of clearing Africa, and it is planned to complete the task of clearing Africa in seven months.

2. Implement key points and treat them differently. The first is to implement the collection of key households. We will continue to implement the system of clearing the accounts of the members of the Associated Press and relevant departments. By the end of June, we have supervised the recovery of xxx million yuan from key household building materials machinery factory, xxx million yuan from Dongfeng frame, xxx million yuan from Wang Yong, xxx million yuan from Cheng Gongquan and xxx million yuan from Chen Shibin, thus forming a good momentum of clearing the accounts. The second is to implement the collection of key social organizations. According to the arrangement of the Union, the Risk Section focused on the analysis of the credit cooperatives in Huandiqiao, where the balance of non-performing loans was relatively large, and formed an analysis report, which clarified the focus of collection. By the end of June, the non-performing loans were recovered by xxx million yuan and the loans were replaced by xxx million yuan, and the effect was not obvious.

3, strict rewards and punishments, strengthen the assessment. First, for every doubtful loan, loss loan and replacement loan recovered before the end of XX, it will be rewarded and collected in accordance with the prescribed proportion, and the reward policy of whoever receives it will be implemented, thus mobilizing the enthusiasm of all employees to collect it; Second, starting from April, all the directors of credit cooperatives who ranked the last three in the city for three consecutive months were dismissed, which enhanced the sense of responsibility of the directors of grass-roots credit cooperatives to collect abnormal loans; Third, from April, the employees of credit cooperatives (excluding back office jobs such as savings posts) will be included in the individual assessment according to the 6 yuan standard every month, and will be settled and cashed monthly according to the completion ratio. The office staff will participate in the hanging point assessment according to the standard of 5% of the grassroots employees, and at the same time, the tasks will be decomposed into posts and people, forming a good situation for all employees to pay their bills.

4. intensify the collection of responsible loans. For the responsible loans that have been recognized by the Risk Management Committee of the Associated Press, xxx% and xxx% of the wage income will be deducted every month to offset the responsible loans according to both illegal and non-illegal circumstances. By the end of June, * * * deducted xxx million yuan, involving xxx responsible persons.

5. Insist on collecting money according to law. As many as xxx cases have been won by our association over the years, our association has always maintained a cautious attitude towards the cases that need to be prosecuted, demanding that one case must be executed in place with certainty, which really plays a deterrent role. For the successful cases, each grass-roots agency is required to clean up again, find out the information of debtors and contact the court executive board for execution in time. In the first half of the year, the Risk Section of the Associated Press focused on the case of Shantai Company, but due to various reasons, it had no effect. It only recovered xxx million yuan from the case of Xie Shouquan according to law, and in addition, it collected xxx million yuan through the risk agency, namely, xxx million yuan from Wang Yong and xxx million yuan from Cheng Gongquan.

6. fully implement the "five batches" special activities. First, in order to further expand the effect of the collection, the Risk Section of the Associated Press has implemented the contents of the "five batches" special activities one by one, clarified the relevant policies and collection methods, and asked the grass-roots credit cooperatives to make an all-round attack, and on the basis of the investigation, distinguish between the two situations that can be recovered and the ones that cannot be recovered with an objective and realistic attitude, take corresponding countermeasures and go all out to carry out the collection; Second, before the end of June, the Risk Section inspected the preservation of overdue loans issued by various social agencies after the end of XX, and found no loss of limitation of action due to human factors, and reconfirmed the loss-making loans of various social agencies to determine which loans were really lost and could not be recovered; Third, the Risk Management Committee of the Associated Press studied the proposed tea in May.