In the summer, I watched what I wrote in the branch, which has been finalized by the head office, and printed 60 copies of the "Hubei Branch" Two Clearances "Work Report", which is as follows:

Hubei sub-branch "two clearance" work report

Our bank is one of the sub-branches that has many problems left over from credit assets during the period of financial service cooperatives, and the work of "two clearances" is the fundamental work of our bank to improve the asset structure. Since the establishment of the Pen & Fun & Ge www.biquge.info Citizen Bank, the sub-branch has invested great manpower and material resources to collect the principal and interest of old loans. By the end of August this year, a total of 77 cases had been filed in accordance with the law, with a principal of 394.64 million yuan, accounting for 89.4% of the total loan balance. A total of 50 cases have been executed, with a principal of 251 million yuan. In the enforcement case, more than 70,000 square meters of real estate are to be auctioned. However, due to the current downturn in the real estate market, the difficulty of realizing collateral is quite prominent. Since the beginning of this year, our bank has paid attention to solving the problems of difficulty in realization and implementation in the work of "two clearances", and has achieved good results. By the end of August, the Bank had recovered a total of RMB48.777 million in old loans and interest arrears, of which RMB15.13 million had been recovered from non-collateral disposal. In addition, with the consent of the head office, our bank participated in the bidding for the non-collateralized property of Anyan Automobile City Co., Ltd., and the loan was repaid with a discount of 33.87 million yuan (not yet issued). In this way, 82.65 million yuan of principal and interest were actually collected by the end of August. It can be said that the breakthrough progress of the "two clearances" work of our bank has effectively promoted the pace of transformation of the sub-branch towards a virtuous circle. Some of the practices are reported as follows:

1. In terms of organizational measures, implement personnel, improve the supervision, urging, and evaluation mechanisms, and implement the collection work.

There are not many new loans in our bank, and how to revitalize the principal and interest of old loans is actually the main work of all the comrades of the product development department and the capital and credit department of the sub-branch, and the quality of the "two clearances" work has a great impact on the work of the whole bank. Therefore, the "two clearances" are one of the breakthroughs in the virtuous circle that I am walking on. Based on this understanding, our bank has achieved the following organizational measures: 1. "Two clearances" customers to people: from the president, director to credit full-time personnel and product development department personnel, everyone has "two clear" customers, and has made a register for the record. 2. Establish a system of sponsoring and assisting in the three-level personnel, so that the division of labor is not separated, and the meritorious personnel of the assistant post will be affirmed and rewarded in the assessment and evaluation. 3. Improve the supervision, urging, and evaluation mechanisms, including: a tracking system for clearing loan accounts according to law. The loan account of our bank in accordance with the law has been promoted to the whole system by the asset loss prevention department of the head office. b. The urging system of the comprehensive personnel of the capital and credit department and the handling personnel of the product development department, and the horizontal coordination system between the full-time personnel of the credit department and the special personnel of the product development department. c. At the end of each month, the performance appraisal method is collected, and the evaluation of the relationship between the amount of work and the actual effect. In the first review in January, attention should be paid to tapping the creativity and initiative of the handling personnel. At the same time, we should continue to analyze the problems that may arise in a forward-looking manner and pay attention to adjusting the work ideas. 4. Establish and improve the dynamic system of repayment files and transfer according to law to supplement the secondary credit files.

Second, in terms of the ways and means of collection, multi-dimensional measures have been adopted for collection, and good results have been obtained.

For example, we should adopt the method of taking one policy for each household in arrears of loans, flexibly adapting them, and breaking down the method of repaying loans; we should adopt the method of combining internal and external efforts in gathering the forces of the "two clearances"; and we should adopt special measures to deal with some special problems, so as to achieve the goal of the "two clearances." We have specifically grasped the following links:

1. Comprehensively use incentive mechanisms and restraint mechanisms to coordinate social forces to solve the problems of difficult implementation, auction and realization. Since the beginning of the year, our bank auctioned the real estate of Guizhou Merchants (Shenzhen) Development Co., Ltd., and saw that it was difficult to realize the real estate, so we compiled and printed all the collateral and seized assets of the bank into a profile, which was widely distributed to various intermediary agencies, and received good results. In the first half of the year, five collaterals had found interested buyers before the auction, shortening the time to liquidation.

2. Pay close attention to key customers who affect the whole body. For example, we should always pay attention to the movements of the households subject to enforcement that have a greater social impact on the society, such as Anyan Automobile City Co., Ltd. and Kishio Economic Development Company, and take preventive measures to prevent their seized property from being distributed when they are liquidated by bankruptcy. At the end of May this year, when it was discovered that the legal representative of Anyan Company was prosecuted and other creditors came to the door one after another, our bank applied to the head office to participate in the bidding for the company's non-mortgaged property in a special way, and realized the real estate debt repayment amount of 33.87 million yuan in the first phase.

3. Strive to find and seize the debtor's property other than the collateral, and pay attention to renewing the seal to ensure the timeliness of the seizure. In the first eight months of this year, the net asset value of the newly seized debtor exceeded 80 million yuan. Among them, there are 29,823.6 square meters of houses, 213,000 square meters of land, 13.2 million shares of stocks (worth 34 million yuan), seven cars, and 46.85 million yuan of non-collateral liquidation, which has made positive efforts to preserve the credit assets of the branch.

4. Actively cooperate with the court to speed up the conclusion of general cases. Since April, our bank has strengthened coordination with the Municipal Intermediate People's Court and the Luohu Court, strengthened enforcement, and concluded cases as soon as possible, with good results. It can be said that the cooperation between our bank and the courts at the two levels in Shenzhen is intimate and fruitful.

5. Use special methods to weigh the pros and cons, firmly grasp the means of repaying the loan according to law, move the debtor with affection, understand the reason, be flexible, and decompose the loan repayment. For example, in the process of dealing with the dispute over the principal and interest of nearly 4 million yuan of Shiyan Merchants Industrial Company, our bank asked the head office for approval and granted a penalty interest reduction of 380,000 yuan, and the balance was paid off and the case was settled. Another example: Shenzhen Bao'an Golden Rice Company once borrowed a loan of 1.3 million yuan at the cost of organizing a deposit of 4 million yuan, and the starting cost was more than four cents per month. This is beyond what the law allows. At the same time, since the mortgage contract has not been registered, it has actually become a non-legally binding lending relationship. After active coordination, our bank agreed that the company would report to the head office for approval and handle a new contract of 1.3 million yuan for the mortgage loan of three villas on the premise of paying off the arrears of 250,000 yuan in arrears. In addition, we empathize with the difficulties of borrowers, humbly listen to and resolve the dissatisfaction of borrowers with the loans of service cooperatives, ease the relationship, and preserve assets. For example, Shenzhen Laoxingmei Trading Co., Ltd. has made a lot of money because of its involvement in real estate, and at the same time, it has also fallen into financial difficulties by constantly putting a lot of money on engineering projects, and has borrowed 1 million yuan from our bank. After expiration, after repaying 500,000 yuan, he was no longer able to return it. After the lawsuit, he faced the dilemma of auctioning the mortgagor's real estate. At this time, the powerful mortgagor proposed to borrow 450,000 yuan from his company, and advanced 150,000 yuan in advance to settle the principal and interest of the loan of Lao Xingmei Company. We approved the operation and ruled out the risk of the loan. Another example: Baodao Industrial (Shenzhen) Development Company is a Taiwanese enterprise, and it borrowed 5 million yuan in the form of deposit and loan linkage during the period of the financial service cooperative, and mortgaged it with its own property. Since the company pays more attention to cost accounting, it has always had a great opinion on the linkage between deposits and loans, and the interest arrears have been in arrears for a long time after the loan, and the interest arrears are 1.5 million yuan at most. Later, we invited the company's legal representative, Taiwanese businessman Chung Kahsiung, to meet with him, and took the initiative to admit that the loan during the period of the financial service agency had increased the burden on the enterprise, and agreed that after the enterprise repaid the interest, he would borrow new money to repay the old one, so as to reduce the interest expenses of his company. At that time, our position was particularly tight, and this switch made our bank lose money from one point of view. However, the company not only paid off all the arrears, but also gradually repaid the principal of 3.3 million yuan by the end of August.

In addition, we have also shown flexibility in handling disputes such as Wang's Company, Yijin Company and Jianhua Company, and have taken corresponding adaptation measures. After the series of enforcement cases of Jianhua Company were sponsored by the head office, our bank still took the initiative to coordinate and follow up, and still recovered 500,000 yuan in the first half of the year.

According to statistics, in the process of coordination between our bank and the debtor this year, the bank used non-collateral means to recover the principal and interest of the old loan of 10.13 million yuan in a way acceptable to both parties, so as to better avoid the debtor's excesses and negative behaviors.

3. Resist pressure, sort out right and wrong, adhere to principles, and act in accordance with the law.

It has taken three to four years to complete the loans issued by the financial service cooperatives owned by the Citizens Bank, and most of them have embarked on the road of repaying the loans in accordance with the law. In the past year or so, there has been a high incidence of cases involving the rights and wrongs of banks and loan handlers. Discipline inspection commissions, supervision bureaus, procuratorates, public security bureaus, and special case groups at all levels visited the site in turn. Our line is no exception, and sometimes, we receive three batches of investigators a day. Someone joked: "As long as there is a police car in the parking lot downstairs, it is to find a bank to investigate the loan." "In fact, the loan officers of our bank are indeed under considerable pressure to carry out the "two clearances" work. Some lenders use triad tactics to intimidate supervisors. Some of them reported fraud cases to the Public Security Bureau under false pretexts, and used them to exert pressure on the handling personnel and banks in an attempt to repay debts. On the other hand, as far as the essence of the financial service cooperative's "deposit and loan linkage, loan to deposit, deposit and fixed loan" method is concerned, it is also destined to be a series of problems when the loan is repaid in accordance with the law in the future. One of the special features of our bank's credit team is that only those who came from the period of the financial service agency can stay in this position. Therefore, on the one hand, we must bear tremendous mental pressure, and on the other hand, we must make great efforts to open up the situation of harvesting, so as to be affirmed by people. This is really poignant and feels a bit of a charm of guilt and meritorious service. However, we did not fail to live up to the expectations of our superiors and still stood at the forefront of the collection team without hesitation.

Among the loans of our bank, there is a company called GZ China Merchants (Shenzhen) Development Co., Ltd., which used the company's real estate mortgage loan of 5.4 million yuan. Later, the CEO of the company and the head office argued over the issue of handing over the internal contract money and resorted to the court. Soon after, in the name of fraud, it turned into a criminal case. After the case was filed, the more the task force investigated, the bigger the problem became, and the boss was actually involved in the famous case in BJ City. With the escalation of the case, our normal loan has become the object of special investigation. Over the past two years or so, the special case team has been to Shenzhen six times to look for banks and handling personnel, in order to achieve the goal of "giving priority to criminal matters" to keep the mortgaged real estate of enterprises. At this time, the Shenzhen Intermediate People's Court ruled that the mortgage loan was invalid on the grounds that it "exceeded the scope of business" because it involved a loan from a financial service society to a national enterprise. At this time, the Guizhou side quickly implemented a protective seizure of the real estate. The day before the expiration of their half-year seizure, our bank coordinated with the court, and went to the Land Bureau the next morning to carry out the anti-seizure, and auctioned it as soon as possible, realizing 5.1 million yuan, thus reducing the bank's losses.

In dealing with troubled loans during the period of the Financial Services Society, our deep experience is that:

1. It is necessary to correctly grasp the policy boundaries and objectively look at the loans during the period of the service cooperatives from a historical point of view.

2. To be calm and clear, do not follow the clouds, see the wind is the rain to play a role, to properly protect the enthusiasm of the staff who are still in the branch at that time, so that they can give full play to their work initiative.

3. For some enterprises that provoke right and wrong, we must dare to face the hard, and we must not let them reap the benefits of fishing in troubled waters.

Generally speaking, we are soberly aware that there are still many things to be done in the work of the "two clearances" of our bank, and the difficulties are getting bigger and bigger, but as long as we muster up all our energy, pay attention to adjusting our thinking, and fully mobilize all kinds of favorable factors, the "two clearances" are still very promising. We will take advantage of this meeting to continue to work hard and strive for better results.

Citizen Bank Hubei Branch

8 September 1998

After reading the report materials he wrote, Xia secretly said to himself: "It's really like what the comrades who engaged in political work in the past said: the achievements are not clear, and the problems are not clear." You see, in less than a year, the effect of 'harvesting' is still good, and we are not messing around. ”

Thinking of this, he was still a little proud, and a confident smile appeared on his face. (To be continued.) )