20021Summary of the Bank's Work in the First Quarter Since the first quarter, the Bank has continued to focus on the objectives and tasks of the _ _ _ session of the Board of Directors, clarify its work ideas, seek truth from facts, strengthen management, make overall plans for development, and pay close attention to the expansion of institutional funds and market share. At the end of X, the total amount of various deposits exceeded the mark of xx billion yuan, the development speed was constantly accelerated, the management level was constantly improved, and new progress was made in various businesses, laying a solid foundation for the next stage of work.
I. Work and Operation in the First Quarter
By the end of xx, RMB deposits of the whole bank were xx billion yuan, an increase of xx billion yuan or xx% compared with the beginning of the year, of which savings deposits increased by xx billion yuan, the balance was xx billion yuan or xx%, and the balance of corporate and other deposits was xx billion yuan, an increase of xx billion yuan compared with the beginning of the year.
The balance of RMB loans was xx billion yuan, an increase of xx billion yuan or xx% compared with the beginning of the year. Among them, the balance of loans from agricultural economic organizations and farmers was xx billion yuan, an increase of xx billion yuan over the beginning of the year; The loan balance of private, private and joint-stock small and medium-sized enterprises was xx billion yuan, an increase of xx billion yuan over the beginning of the year; SME loans account for xx% of the total loans.
II. Section 1 Working Methods
(1) Pay close attention to institutional funds and steadily expand market share.
Deposit is always the basis of bank operation; Share represents the position of regional competition. Since the beginning of this year, although the total deposits of the Bank have been over half of the time, there is a big gap between the new deposits of the Bank and other banks in the region, and the share of the total deposits in the city has dropped from 22.4% at the beginning of the year to 20.6%. Faced with this situation, we fully realize that "sailing against the current, if you don't advance, you will retreat." In the first quarter, we did not relax the control of institutional deposits, but tried not to expand market share.
By queuing the sub-branches with low market share, this paper analyzes the specific problems and shortcomings existing in the fund-raising work of this bank, such as poor assessment and poor incentive. On X, X, we once again convened the presidents of 20 sub-branches whose market share in our town is lower than that of other banks and whose assessment is not strong, and held a site meeting in xx sub-branch. Thirdly, increase the pressure, ring the drums to end the fight, promote competition and compete for share. By looking at the propaganda atmosphere of the business hall of xx Branch, and posting the monthly fund-raising performance and quarterly assessment results of all employees; Listen to the report of xx Sub-branch on organizing funds to carry out open, fair and transparent assessment, strengthening assessment, expanding share and promoting the steady development of various businesses; Twenty branch presidents took the stage to express their determination and confidence to win and carry forward the spirit of leadership, hard work and hardship; Create a good atmosphere for publicity, assessment and fund-raising, and create new achievements.
At the same time, in order to make the cadres and employees of the whole bank more aware of their own gap and ranking in the whole bank by comparing with the brothers' branches, so as to know ourselves and know ourselves, we have set up a weekly report, published the deposit situation every week, tracked the fund competition dynamics organized by branches, and introduced the fund organization practices regularly, creating a strong atmosphere of catching up with each other and making common progress. The total deposits at the end of _ month increased by 6,543.8+0.4 billion yuan compared with the end of _ month, and the market share of deposits steadily expanded.
(two) into the advanced education, support local efforts to improve.
Taking supporting local development as its own responsibility, we will build a long-term mechanism of "three walks, three services". On the one hand, we will continue to strengthen the awareness of agriculture, rural areas and farmers and actively support their development. Vigorously cultivate typical supporting agriculture and expand the scale of supporting agriculture.
At the same time, it took the lead in the work of seven SME contact points identified by "three services", which played a good leading role for the Bank to strongly support SMEs and strengthen market share expansion. Combined with the expansion of market share, the whole bank aimed at effective asset mortgage enterprises such as state-owned land and real estate, enterprises with good reputation and promising development, and continuously increased its support for the local economy. At the end of _ _, the Bank supported a number of private, individual and joint-stock small and medium-sized enterprises, with a loan balance of _ _ billion yuan, an increase of _ _ billion yuan over the beginning of the year and _ _ billion yuan over the end of the year. Among them, the proportion of mortgage loans in total loans exceeded 30% for the first time, reaching 30.2%, which was 2.4 percentage points higher than that at the beginning of the year, effectively expanding the market share and further enhancing the reputation and social status of the local bank.
(three) always pay attention to basic management, and comprehensively promote the special management of cases.
According to the spirit of the State Council's instructions on strengthening special case management and preventing bank risks, and the Work Plan for Special Case Management of xx Bank and Rural Credit Cooperatives issued by the General Office of the China Banking Regulatory Commission, the Bank has carried out in-depth work in three stages since.
Through the special treatment of cases, the basic accounting work has been further strengthened. According to the implementation method of accounting bidding, this year, the Bank carried out the general inspection of accounting cashiers in grass-roots branches and the acceptance of bidding, analyzed the problems found, found the crux of the problem, sorted out all links in the operation process, formulated corresponding norms, and promoted the institutionalization and standardization of accounting work.
Through the special treatment of cases, the credit management and operation have been further standardized. Combined with the CBRC's special inspection on the deviation of the five-level loan classification, the accuracy of the five-level loan classification, the standardization of the loan mortgage rate, the legality of the guarantee procedure, the related transactions of enterprises and the multi-bank loans in the bank were emphatically cleaned up, which effectively promoted the standardized management of credit operation.
202 1 first quarter bank work summary has been more than half a year in a blink of an eye. Looking back on our work in the past six months, we have both made progress and shortcomings, and learned a lot from it. The main aspects are summarized as follows:
First, keep pace with the times and constantly improve personal political literacy.
I have always loved the socialist motherland, supported leadership, adhered to the Four Cardinal Principles, abided by discipline and law, and was honest and clean. Through the study, I have a new understanding of the basic theory of the Party and the principles and policies of the country, and further understand the fundamental purpose of serving the people and the spiritual essence of Scientific Outlook on Development. Learning also made me realize that there is no difference between high and low positions, so I must work hard, and I can't reflect the value of life without working. As an ordinary bank employee, we should give full play to the "master" spirit in our work and start from bit by bit in our daily work.
Second, based on this position, study hard and improve service quality.
As I am a front desk employee, it is particularly important to establish a good image of my unit among customers. Through these years' work at the front desk, I have gradually accumulated a set of experience on how to improve the quality of daily service-adhering to principles, strictly following the rules and regulations formulated by the People's Bank of China and the Associated Press, not operating illegally, and not handling businesses that are harmful to the interests of the bank when encountering unreasonable demands from customers; Never delay the urgent business of customers; When customers come to inquire about business, they can explain carefully and patiently, so as to "worry about what customers are anxious about, think about what customers think" and truly take customers as God. This warm and thoughtful service has enabled more and more enterprises to establish good relations with our company. In addition, in the past six months, I have seen my own progress and my own shortcomings. Therefore, I learned more knowledge in my spare time and improved my scientific theory level. In the first half of the year, he passed the basic knowledge examination for qualification certification of bank employees. Usually, I often use the internet to understand the international situation and major events at home and abroad, which broadens my horizons and enriches my knowledge. In the future work, we should apply our business theoretical knowledge to practical work more fully to further improve our business level.
Third, work actively, unite with comrades and help each other.
As an ordinary employee, I always hold a belief in my daily work, that is, "If you don't work hard today, try to find a job tomorrow". In the first half of the year, he was transferred back to Xinqiao Credit Cooperative from Sidunzi. Although I am psychologically prepared, I am still very tired when I get home every day. Nevertheless, in my work, I have always been strict with myself and earnestly completed all the work assigned by the leaders.
In the second half of the year, I will do my job well, and at the same time absorb more deposits from the interests of the unit, and make my modest contribution to the benefit of Xinqiao Credit Cooperative in by going up one flight of stairs.
202 1 summary of the bank's work in the first quarter; At the beginning of the new year, Vientiane is renewed. The busy year has passed again. In this year, although I didn't have outstanding achievements and earth-shattering career, I tried my best to be loyal to my duties. I use this dull life and dull work to outline the trajectory of life and harvest the joy of harvest. Now I'll report to you on the work in the past year. Please criticize and correct the shortcomings.
First, based on ordinary and practical work.
In Watergate Sub-branch, I work as the most common cashier. Some people may say that ordinary tellers are not professional. No, they can do brilliant work on the counter. Excellence begins with the ordinary, and perfection comes from the earnest. As an employee of a rural commercial bank, especially a front-line employee, I deeply feel the heavy responsibility I shoulder. Counter service is a "civilized window" to show the good service of the banking system, so I win the trust of customers with full enthusiasm, sincere service and positive working attitude every day.
Yes, tellers face customers directly, and counters are the windows to show the image of rural commercial banks. Tellers' daily work may be busy and monotonous. But in the face of all kinds of customers, tellers should be skilled in operation and enthusiastic in service, day after day, so that customers can truly appreciate the sincerity of rural commercial banks and feel the warmth of doing business in rural commercial banks. This kind of work is extraordinary, and I am proud of my post! To this end, I ask myself to do: first, master excellent business skills and never relax business learning; Second, maintain good professional ethics and abide by national laws and regulations; Third, cultivate harmonious interpersonal relationships and get along well with colleagues; Fourth, know yourself and yourself, win without arrogance, and lose with grace.
Second, unity, cooperation and progress.
What the banking industry needs is collective unity and cooperation, and one's strength is always limited. There are more and more new employees in the bank. While helping them, I also saw their advantages, which always made me feel a sense of crisis. I often tell myself that I can't satisfy the status quo, but I should be content with being plain, but not mediocre. I should not only concentrate on my work, but also constantly absorb new knowledge to meet future challenges. With the development of the times, the competition in banking work is becoming more and more fierce. I deeply realize that as a qualified front desk teller, I should have a higher professional level. Only by constantly enhancing their comprehensive quality and expanding their knowledge can we do our work better.
Third, the business is comprehensive and enterprising.
In today's increasingly fierce market competition, we must constantly improve ourselves while having a warm service attitude and skilled business ability, so as to better provide efficient and efficient services to our customers. All kinds of training and skill assessment organized by sub-branches have provided a strong guarantee for me to improve my business skills as soon as possible. I always take an active part in all kinds of training, insist on listening to lectures carefully, and strive to improve my professional theoretical level by combining the rules and regulations and laws and regulations I usually study.
Fourth, enhance safety awareness and eliminate potential safety hazards in time.
To develop business, safety is the foundation, while paying attention to business and safety. When entering or leaving the house, you should open the door and lock it, and check the safety in time after work. When handling business, we must adhere to rules and regulations, ensure that cash and heavy empty accounts are consistent, improve risk prevention and control capabilities, and eliminate potential safety hazards.
5. Review and check your own problems.
First, study is not enough. At present, the new economy based on information technology is developing vigorously, new situations and new problems are emerging one after another, and new knowledge and new science are constantly emerging. Faced with severe challenges, there is a lack of sense of urgency and consciousness in learning. Theoretical basis, professional knowledge, educational level and working methods can't meet the new requirements.
Second, I am tired from work and my mind is relaxed. This is a sign that my political quality is not high and my world outlook, outlook on life and values are not well solved. In view of the above problems, the direction of future efforts is:
First, strengthen theoretical study and further improve their own quality. Familiarity with the front desk financial business cannot replace the pursuit of improving personal quality at a higher level. We must learn Deng Xiaoping Theory, market economy theory, national laws and regulations, financial business knowledge and related policies to enhance our ability to analyze and solve problems.
The second is to strengthen the overall concept, change the work style, strive to overcome their negative emotions, improve the quality and efficiency of work, and actively cooperate with leading colleagues to do a better job.
Today, we dedicate our fiery youth to the rural commercial bank, and it is in this alternation of youth that the rural commercial bank develops step by step. On her clear annual rings, our youth will also be deeply printed. As a growing youth, only by organically combining personal ideals with career development can we give full play to our work enthusiasm, initiative and creativity and realize our life value in the process of creating a bright future for rural commercial banks.
202 1 the summary of the bank's work in the first quarter lasted four months. With the guidance of bureau leaders and the help of colleagues, their political ideology, professional level, service awareness and working ability have been further improved and strengthened through their own efforts and hard work. The work of this quarter is summarized as follows:
The work of xx Bank in the first quarter is summarized as follows:
Characteristics of xx Road Sub-branch of xx Bank:
1, the balance of deposit at the end of X month is X million, of which the company: X million people is xx million.
2. The huge villa area of the Fourth Hospital of xx District Government, the high school of the Party School of a nearby university, has been radiating to xx District, and the personnel in XX District are of high quality.
3. There are many stocks for studying abroad, usury, real estate speculation, students, retirees and medical and health industries.
4. After continuous product promotion and a large number of uninterrupted outlets, normal depositors in the jurisdiction have a preliminary understanding and understanding of xx Life Insurance.
5. The quality of the personnel in the outlets is relatively high, and their personality is also very good. They are very cautious, serious and careful, and their mouths are very low and they hardly speak. The president is very dedicated and cautious in his work. In the past, due to the serious misleading of insurance bancassurance, there was a serious dispute (X million cheap goods were handed over to people, and banks and insurance companies each bore x% of the losses of customers), so he was very cautious in insurance publicity. After observation, he is very cautious.
My approach is to calm my mind, let xx do it in groups bit by bit, and let them gradually agree with xx Life. Because it is a newly opened outlet, many people don't understand it. At the beginning, the flow of people at the outlets was very small, so I promoted the store. I will do business at this outlet in the future, so I don't have to wait in line. The staff of this outlet also have good service, and their work is serious and responsible, and depositors slowly move their deposits.
My method:
1. One-stop service and publicity for debit cards, online banking and credit cards. For example, when xx Hotel employees apply for a card, I will provide additional services for the bank after I have applied for his debit card, online banking and credit card.
2, in front of the counter, vigorously promote online banking funds, credit cards, third-party custody insurance, foreign exchange deposits and other bank intermediary business charges.
3. Make full use of the resources known by your contacts and outlets to help banks attract foreign exchange and RMB deposits. If the customer has no intention to insure, he should try his best to publicize the intermediary business of the bank. Spare no effort to all the intermediary business of the bank, contribute to the bank regardless of the cost, and let the bank truly feel your hard work and value through your own high value-added extra services.
4. Seize the short-term business opportunities of depositors, communicate attentively, and screen and retain big customers for banks.
I pay great attention to whether the customer comes to do business as a VIP card. Generally, we should look at their balance skillfully. If the balance exceeds X yuan, I will ask customers why they put so much cash in demand, and train customers to learn how to manage money, not to let their money idle, and learn to let their money work for themselves and make money. For big customers, I will invite them to the finance office and let the lobby manager cooperate to win large loans, deposits and funds for the bank. The lobby manager is also very satisfied with my cooperation and support.
5. Set your position. For the banking industry, I am a supporting role, and for the insurance industry, I am the protagonist. Don't be afraid of setbacks, difficulties, difficulties and discrimination, and live every day well.
6. Balance the relationship and interests of the staff in the outlets and balance the business distribution. As long as the network arranges things, we must spare no effort to do it, regardless of personal gains and losses. Mr. Wei always says that it is a blessing to lose money, and handle the relationship between the counter, the company accountant, the lobby manager and the president. As long as it is beneficial to the bank, it should do more, even if there is misunderstanding, it will eventually understand.
7. According to the characteristics of outlets, I made a work plan that is more suitable for the characteristics of outlets, with a view to giving priority to distribution, supplemented by wholesale distribution, and taking large single distribution and large single wholesale distribution as the breakthrough.
Since the beginning of the first quarter of the year, the leaders of xx Life Insurance Company have been far-sighted, people-oriented, sizing up the situation, grasping the pulse of the development and changes of bank insurance, grasping various favorable opportunities for business development, and following the inherent laws of the development of bank insurance. Every step forward, they can keep up with the pace, operate steadily, step by step, and develop their business supernormally.
Every employee of the company is very dedicated, very dedicated and makes every effort to win more business for the company. Personal assessment and promotion have been greatly improved. As a newcomer, I have received strong support, care and help from leaders at all levels in the company at every stage of my work. I would like to express my heartfelt thanks here. When the second quarter arrives, I will, as always, learn from my colleagues with excellent performance in the company, constantly encourage myself, study hard and practice my oral communication skills, and do a good job in the outlets.