Speech in the Competition of Credit Posts in Credit Cooperatives

Competitor * *, born in September of xx, joined the credit union in July of xx, with 265,438+0 years of professional work experience, graduated from high school, now studying in Finance College, assistant economist, and intermediate computer application ability. From July xx to June 97, 10, I worked in Qing Ji Credit Cooperative, and worked as a newspaper reporter, bookkeeper, general clerk, farmer and back office teacher. From xx 10 to -20 1x in June, I was engaged in bill exchange in Zheng Long Credit Cooperative, and transferred to Qiuhu Credit Cooperative in July, 20xx.

The position I am competing for is a credit post. The reasons for the competition are as follows:

First, credit personnel should have political quality, cultural quality and professional quality, be able to correctly understand and implement national financial regulations and policies, be familiar with and master credit policies and principles, and strictly implement various rules and regulations. I pay attention to study and improve myself. I took part in the study of Finance College on the rest day, and systematically studied the knowledge of financial theory. By the end of April, I had finished all my studies, and I will get a college diploma this year. I have certain written and oral expression ability, certain thinking, analysis and calculation ability, basic skills suitable for the development of credit business, and am good at summing up and learning advanced working methods and skills of others, thus improving work quality and efficiency.

Second, I have experience and methods in rural credit work. I have been engaged in internal and external work since I joined the work. I have accumulated some work experience from years of work practice, and gained some skills and principles from it. I have a strong sense of responsibility and dedication. I usually pay attention to fragmentation management, basically grasp the situation of farmers in the area in charge, and ensure that the loans I handle are risk-free. Adhere to the principle in the work, be strict with yourself, be honest and be honest, and there have been no cases of violation of law and discipline for many years.

If the competition is successful, I will do well in the following three aspects:

First, self-pressure, closely around the annual goal is not relaxed.

First of all, the objectives and tasks implemented at the beginning of the year are clear and reasonably decomposed into months. Deposit is the foundation of establishing cooperatives, the main source of credit funds and the premise of supporting economic development. While doing a good job in credit work, we should adopt new strategies and methods, strive to organize deposits well, and strive to overfulfill the task of responsible deposits at the beginning of the year. Borrowing is an important way for credit cooperatives to generate operating benefits, which is directly related to the realization of profit targets. On the premise that the organization funds are in place, I will take loan issuance as the top priority of my work. How to ensure that the annual loan increase is 6.5438+0.5 million yuan, the loan interest income is 700,000 yuan, and the annual non-performing loan net decrease is 6.5438+0.2 million yuan? The methods adopted are as follows: First, "thousands of households" are adopted for investigation and filing, so as to ensure that the filing rate of farmers' files within the jurisdiction reaches 654.38+0.000%. The second is to talk about "a thousand words" marketing loans, fully tap their own potential, find excellent customer groups, and strive to invest 1 10,000 yuan in the whole year with risk prevention measures in place. Third, it is necessary to "all kinds of hardships" and collect non-performing loans in various ways to ensure the completion of the task of collecting non-performing loans throughout the year.

Second, do a good job in the "three inspections" of loans. First of all, in strict accordance with the credit management measures formulated by the Associated Press, standardize the loan operation, reduce the credit risk, strictly control the first-level loan, and on the basis of improving the economic file account of farmers, insist on conducting on-the-spot investigation on the loan of more than 654.38 million yuan. Through on-the-spot investigation and side understanding, we can see whether the loan purpose, the scale of business projects are true and the operation of business projects is good, and interview borrowers to ensure the credit status, quality and quality. When handling loan procedures, strictly follow the operating procedures and standardize each loan procedure. Regularly and irregularly track and check the loans within the jurisdiction, find early risk signals, and take measures as soon as possible to effectively reduce the loan risk.

Third, change ideas and strengthen services. Overcome the idea of waiting for guests at work and provide on-site service when necessary. As a loan officer, only by firmly establishing the idea of serving agriculture and putting customers first can we adapt to the requirements of the competitive situation. The specific measures are as follows: First, give priority to meeting the fund needs of members, and implement the system of one-time small loan and three working days for large loan; The second is to simplify procedures, facilitate customers and vigorously promote customer letters of credit; The third is to open up the service field and provide timely information consulting services for the majority of members and customers.

The competitive situation in the same industry is urgent and inspiring. I will base myself on my job, work hard, keep learning and innovating, and make more contributions to the cause of credit cooperatives.