近几年来,由于受多种因素的影响,贷款企业效益下降,企业举步艰难,拖欠银行贷款和利息的现象猛增,使银行的贷款大部分逾期或呆滞,已严重地影响到银行的正常经营。但是,华阴市农村信用联社在收贷收息上结合自身的特点,制定出了一系列规章制度,创出了一条收贷收息的新路子。他们的具体做法是: 一、制定并实施了“三定三联”的考核办法 每月初联社将收贷收息任务分配到基层信用社和柜组,各社将任务又层层分解到个人,并对职工实行“定岗位、定区域、定任务”和“联系工资、补助、福利”的“三定三联”考核办法。每人每月扣一定数量的工资统一上划联社作为挂钩工资,月底联社按照各社完成任务的情况按比例返还到社,各社对职工完成任务情况也按比例返还。对未完成任务的职工,当月所扣的挂钩工资留给联社作为奖励基金,以后不予退还。通过采取这种办法,大大地激发了每位职工完成任务的积极性和能动性,有力地督促外勤人员每月完成收贷收息任务。防止了年底突出完成和弄虚作假的行为。 二、改外勤下乡补助为收贷收息手续费 为了不断加强制约机制,该社 In recent years, due to the impact of many factors, the efficiency of lending companies is declining, enterprises are struggling and the arrears of bank loans and interest rates soars. As a result, most of the bank loans are overdue or dull, which has seriously affected the normal operation of banks . However, the Huayin Rural Credit Cooperatives has formulated a series of rules and regulations on the basis of its own characteristics in the collection and payment of loans and loans, creating a new way of collecting loans and receiving interest. Their specific approach is: First, the development and implementation of the “three set triple” assessment methods Each month, the New Year will be receiving and lending income and reimbursement tasks assigned to the grassroots credit cooperatives and cabinet groups, the task force and layers of decomposition to individuals, and Implementation of the “three fixed triple” assessment method for staff and workers of “fixed positions, fixed areas, fixed tasks” and “contact wages, grants, benefits”. A monthly deduction of a certain amount of wages unification Associated Press as a linked salary, the end of the Associated Press in accordance with the situation of each agency to complete the task to return to the community in proportion, the various social workers to complete the task of the situation is also returned in proportion. For unfinished business workers, the monthly wage deducted from the contract is left to the Associated Press as a reward fund and will not be refunded later. By adopting this approach, we greatly stimulated the enthusiasm and initiative of each worker to complete the task and effectively urged the field staff to finish the task of receiving and repaying the loan each month. Prevent the year-end prominent completion and fraud. Second, to change the land grant subsidies for income and expenditure of interest-bearing fee In order to continuously strengthen the control mechanism, the club