(Gao Guangfeng) In order to further promote the effective development of the non-performing loan collection work, Xinhe Cooperative recently sounded the gathering call of the "Non-performing Loan Collection Competition" and carried out a special campaign to concentrate on rectifying non-performing loans across the jurisdiction. In this "Non-performing Loan Collection Competition", Xinhe Cooperative takes "blocking new", "clearing illegal" and improving loan quality as its ultimate goal, and ensures that every stroke has measures, every stroke has results, and every stroke has conclusions.
Deploy carefully and take a full strike. The entire jurisdiction will raise awareness from top to bottom, leaders will take the lead, and collect all staff, forming a joint force for the "ring competition". First, in accordance with the requirements of the Provincial Federation of Cooperatives to carry out the "Gathering Competition" for the collection and disposal of non-performing loans, the Federation of Cooperatives has established a non-performing loan collection and management team with the chairman as the group leader and other team members as the deputy group leaders, and formulated implementation plans. The leadership team in charge of the area will take multiple measures and make full efforts. Second, in order to ensure that the collection and disposal of non-performing loans have achieved tangible results, the Federation established the Qingfei Brigade. The Qingfei Brigade and 12 credit-owned outlets in the jurisdiction have combined it to disclose the non-performing loans in the jurisdiction to the entire jurisdiction, and carry out centralized and unified management of non-performing loans such as difficult-to-break "hard bones", " nail households ", " deadbeat ", and litigation-related non-performing loans, increase the intensity and efficiency of collection, create a "cleaning of illegal" work atmosphere for all employees, and gather the strength of the Federation to carry out collection work. The third is to determine the goals and achieve practical results. At the end of 2019, the actual non-performing debt was reduced by 15 million yuan, the non-performing debt rate was controlled within 5%, and the bad debt was written off 15 million yuan.
Extend and connect outside and strengthen internal skills. First, while carrying out collection of non-performing loans, the cooperative uses the "double foundation co-construction" platform to vigorously promote the loan issuance policy of rural credit cooperatives through financial night schools, implement the "100 high-quality loan households" file management, report every ten days and summarize every month, and timely discover high-quality customers. Second, in response to the problems that arise at any time during the collection of non-performing loans under the jurisdiction, we will continue to strengthen litigation training for the collection personnel, strengthen basic skills, give full play to the advantages of popularity and geographical advantages, "one decision for every transaction, one policy for every household", and prescribe the right medicine for the difficult problems encountered in the "clearing of illegal loans" process and implement flexible policies.
Strengthen assessment and clear competitions. First, strictly follow the implementation plan of the arena competition formulated by the cooperative, continue to improve the incentive and constraint mechanism for the collection of non-performing loans, refine the competition assessment indicators, standardize the write-off of non-performing loans, and actively prevent and control the rebound of new non-performing loans. The second is to consider the overall situation and report the progress. Implement a ten-day ranking and a monthly report. Timely praise and encourage the outlets and account managers and employees who have completed the progress, and strengthen the dispatch and guidance of backwardness. Third, clean up and regulate according to the actual risk status of each loan, "recover one household and deter a group", and take practical actions to make the debtor have nowhere to escape and no room to drill.
