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为盘活不良信贷资产,提高信贷资产质量,从1996年5月起,农业银行龙州县支行组织专业队,负责清收原集体农业、社队企业贷款,经过一年多的艰苦努力,在其进驻的两个乡镇取得了比较突出的成绩,收回本息22.77万元,分摊旧贷落实到屯到户16.16万元。 一、组织收货专业队的做法 (一)人员组成;由支行计信科一名副科长担任队长,专业队进驻的乡镇营业所主任兼任副队长,再从各个营业网点抽调工作经验丰富、工作能力强的业务骨干及优化网点后的富余人员共10余人。 (二)实行工效挂勾:专业队成员(兼职除外)每月发基本生活费180元,其余工资专户储存起来,与任务挂勾。任务按月份分解和考核,月均收本息5000元,年终视完成任务总数来发取全额工资或扣减部分工资,从而增强队员的责任感和工作积极性。 （三）实行奖罚激励机制:对收回1982年以前呆帐贷款按本金2％、利息50％提取劳
In order to revitalize the bad credit assets and improve the quality of credit assets, Longines County Branch of Agricultural Bank of China organized a professional team to take charge of collecting the loans of the former collective-owned agriculture and social-team enterprises in May 1996. After more than a year of hard work, The two townships and townships stationed in the city made relatively outstanding achievements, repaid principal and interest of 227,700 yuan, and apportioned the old loans to Tunshuidun 161,600 yuan. First, the organization of receiving professional team approach (A) of the staff; composed of branch deputy director of a letter as head of the captaincy, the professional team stationed in the township branch director and deputy team leader, and then from all business outlets transfer work experience, work Strong business backbone and optimize the network after the surplus more than 10 people. (B) the implementation of labor-linked: professional team members (except part-time) a monthly basic living expenses 180 yuan, the remaining wage accounts stored up, and the task linked. The task is decomposed and evaluated on a monthly basis. The average monthly interest income is 5,000 yuan. The total amount of salary or deduction of part-time wages will be paid at the end of the year depending on the total number of completed tasks, thereby enhancing the team members’ sense of responsibility and enthusiasm for work. (C) the implementation of reward and punishment incentive mechanism: the recovery of bad loans before 1982, according to the principal 2%, 50% interest withdrawal