There are three types of banks in China, one is the central bank, one is the commercial bank, and the other is the policy bank. The morning meeting is a daily supervision and control meeting. In the hands of an excellent boss, the morning meeting can become a big knife for the boss to strengthen management.

Bank Morning Meeting Speech 4 minutes 1

Comrades:

China Everbright Bank’s mid-year work meeting will be held this afternoon. I said everything that needed to be said at the group’s reform mobilization meeting in the morning. After listening to Comrade Guo You's speech, I agree with the basic idea. After the meeting, I will gather everyone's opinions to further improve it. It has been 50 days since I arrived at Everbright. My main focus was on launching the reform and reorganization of the group. I visited bank branches relatively rarely. Except for the Beijing and Shanghai branches, I have not visited any other branches. Everbright is like the United Nations. There are many large and small companies. Just like the relationship between countries, all countries are equal regardless of their size. Although you are a big country, the kings and presidents of small countries still need to meet and talk. In addition to other work, the comrades in the branch will see less. With this reform launched, we will have more opportunities to meet in the future.

Regarding the business development of China Everbright Bank, let me be specific. To be honest, I don’t have much say yet. As the chairman of the board, I mainly have to fulfill three responsibilities: First, focus on major issues. At present, both for the group and the bank, reform and reorganization is a top priority, the main contradiction, and the top priority, which must be done well. From now on, in operation and management, I will mainly focus on major directional issues. The second is to focus on building the cadre team. I am also the secretary of the party committee. In accordance with the principle of "the party manages cadres" and according to the needs of the bank's work, I must manage and equip human resources to provide organizational guarantee for business development. The third is to focus on coordination of major relationships. We are a commercial organization, and a good external environment and corporate relations are very important. I went to Shanghai a few days ago and the schedule was very full, with 17 activities arranged in three days. I said to Wang Lanfeng, you want to peel off two skins from a cow, which is mentioned in "Das Kapital"; I am "selling myself" and "performing art", and I have to eat to attract customers. This is "selling myself" "Customers also ask me for words. I won't write for ordinary people. I have to write in order to attract customers. This is "showmanship". For the development of Everbright, there is no other way. As the chairman of the board, I have three positions. The rest supports the work of the management team and supports the management team to work boldly.

During the morning group discussion, I listened to the speeches of the two branch presidents, and they both spoke very well. After the meeting, I hope that each branch will write a letter of advice and tell us your thoughts, considerations for development and work suggestions. We will absorb anything that is conducive to the reform and development of the group and the bank. adoption. Let me emphasize a few more issues below.

First, we must unswervingly and actively promote reform and reorganization. The focus of this reform and reorganization of Everbright Group is the reform and reorganization of Everbright Bank. Everyone must positively understand, recognize and grasp the significance of reform and reorganization. In the organization and implementation, the three levels have different tasks. The group and head office levels are responsible for the coordination, command, and policy formulation of reform and reorganization. Branches have the role of branches, and sub-branches have the positioning of sub-branches, but the goals are completely the same. The purpose It’s all about getting the job done. At present, China Everbright Bank's capital adequacy ratio is seriously insufficient, and many operating and management indicators rank low among joint-stock banks. Except for its financial management business, there is nothing outstanding about it. I couldn't get a lot of business, and some customers left. The purpose of the reform is to solve these problems, reverse this passive situation, and enable China Everbright Bank to truly become prosperous. But the reform is not that simple. In the morning report, I specially wrote eight words: "suffer hardships and endure humiliation and bear heavy burdens." I have a deeper understanding of this at the head office level. In this regard, we must understand the general situation and take the overall situation into consideration. During the reform process, there are a lot of conflicts that need to be resolved, such as the conflict of interests between new and old shareholders, friction in relationship coordination, even the adjustment of new board members in the future, and different views on work. What I said in the past was that others came to me to ask for help. Today, for you and Guangda, I have to do this first.

It took more than three and a half years for the reform plan to be introduced, and leaders of the State Council gave important instructions three times. During this period, many situations have indeed changed. For example, many new investors have come to us, and our stock price has increased a lot. It is not impossible for us to solve the problem through market methods. But there are some issues we have to consider. The task given to me by the Party Central Committee and the State Council is to implement the approved plan. Moreover, Everbright’s reform was first proposed by us in 2020 and was the last to sign. In addition, if the plan is tossed over and over again for another year, opportunities in the capital market will be lost, just like no matter how well the seeds are cultivated, if the sowing period in spring is missed, good crops will not grow if they are sown again in autumn.

From a positive and broad perspective, the current reform plan is beneficial to the country and beneficial to Everbright. This must be said with confidence. Only reform can enable us to seize historical opportunities, change our appearance, and establish our image. , solve the problem. But internally, there will still be many bumps and bruises in the specific implementation of the reform in the future. The central leadership has instructed that “the work is arduous” and everyone must be mentally prepared. Reform is a process of phoenix nirvana, through which we gain new life.

Second, we must make great efforts to improve people's hearts. I'm not used to speaking and reading from scripts. Yesterday, the office prepared a background material for me, mentioning the advantages of Everbright Bank: first, through years of development and the historical influence of Everbright Group, it has formed a better market brand; second, it has a strong reputation among its peers. Institutional innovation, product innovation, and technological innovation capabilities; third, it has good location advantages, with institutional networks concentrated in the coastal, riverside, Yangtze River Delta, Pearl River Delta, and Bohai Rim regions; fourth, it has a team of highly qualified and experienced cadres and employees . Whether these are advantages or not, I think is open to question. You can also talk about these points to the outside world, and people will ask you, how can you still achieve this with so many advantages? There is no annual report for three years, many indicators are ranked behind, and risk cases continue. How to explain these? According to me You know, these management departments will not approve it. Fortunately, the office also summarized the disadvantages of Everbright Bank in four points: First, poor asset quality and high non-performing asset ratio, resulting in low capital adequacy ratio; second, there are many problems left over from history, and related transactions have not been resolved for a long time; third, the enterprise The culture is lacking, and a minimum compliance culture has not been established; fourth, risk management is weak, and cases occur every year.

Are these analyzes in the office accurate and complete? Everyone should think about it carefully to see what advantages we still need to develop and what disadvantages we need to solve. Advantages and disadvantages can be transformed into each other. When disadvantages reach their peak, they will turn into advantages. I think our biggest disadvantage right now is actually our lack of popularity. We are not short of people, but we are short of "qi" and popularity. Why build a popular project? The most fundamental thing is to build our popularity. In the morning, I told the story of the Red Army's Long March to cross the Dadu River, running from Anshun Field to Luding Bridge all day and night. What could not be done under normal circumstances was accomplished under that special situation. What did it rely on? What did it rely on? A spirit, a breath. China Everbright Bank is not enough in this regard. Last Sunday I went to the Xidan branch to check it out. It's not a "private visit in private." I don't do any "private visit in private." I just couldn't sit around at home on Sunday, so I went to the Xidan branch to take a look. In such a large business hall, there is only one customer, and that is Xidan! A golden treasure! When we go to CITIC Bank, which is a hundred meters away, it only has an area equivalent to 1/4 of ours, and there are seven customers handling business. Other banks are not comparable, but CITIC Bank is comparable to us. And when was that? It was the time when the banking industry was demanding a solution to long queues. It’s not that we have a long queue, it’s that no one comes. Comrade Guo You and I were very moved. One leaf can tell the autumn, comrades! The situation I have seen may not be comprehensive, but it at least illustrates some problems. The project of building people's hearts is to form internal cohesion and centripetal force and re-establish our image externally. . The calligraphy is indeed the chairman's, but it just doesn't look good and looks awkward no matter how you look at it.

I once said at the China Banking Regulatory Commission that there is no concept of garbage. The evening news last night said that the UK turns cow dung into raw materials for power generation, so it is no longer garbage. "Red, orange, yellow, green, blue, purple", which of the seven colors is useful and which is useless? The key is how to use it well. When you use red paint to paint the sea, it’s not because the paint is wrong, but because you, the painter, didn’t use it well. When you use blue paint to paint the sun, it’s not because the paint is wrong, but because you, the painter, didn’t use it well. We must actively discover talents, boldly use talents, and form a system to discover talents, cultivate talents, use talents, and manage talents through the system. When I came to Everbright, there were many people who wanted to come with me, but I didn’t take anyone with me. If I bring one person to Everbright, that one person is mine; if I bring ten people, then ten people are mine; if I don’t bring anyone, Everbright is all mine, and we are all Everbright people. In the future, according to the needs of business development, through normal procedures and rules, we will not avoid relatives in internal promotions, do not avoid enemies in external promotions, and recruit talents. That is another matter. Now that the direction of reform has been set and the pace of reform has been taken, people are the determining factor in the next step.

The two meetings held this morning and afternoon are very important. As long as we are guided by the Scientific Outlook on Development, have ideological awareness in place, clear work ideas, work together as one, and make solid progress, this mid-year work meeting can By becoming Everbright's "Zunyi Conference", Everbright Bank can truly "see beyond the horizon and reach a higher level" and become more prosperous.

Thank you all.

Bank morning meeting speech 4 minutes 2

Dear colleagues:

This is the second time that I have been in charge of work in the sales department. The first time was - - year, although the time was only one year, it left a deep impression on everyone. Through the joint efforts with everyone, the company was rated as an advanced collective at the end of the year. This time I returned to the sales department due to work needs and worked with everyone. I think everyone will support and cooperate with me as in the past, and work conscientiously in their respective positions with full enthusiasm as in the past. We are also concerned about the development of the sales department. Below, we will discuss with you the issues that everyone in the sales department is concerned about and the issues that should be further improved in future work.

First, regarding the issue of performance distribution

I personally think that the issue that everyone is most concerned about right now is the issue of performance distribution. I can give you a guarantee on this issue: First, I will not get a penny more than what is stipulated in the branch documents. Second, the purpose of distribution following performance cannot be changed. I will adjust the distribution method according to the spirit of the branch's documents. Third, the sales department’s work ideas at the beginning of the year will remain unchanged, and the assessment of business volume, work risk and service satisfaction will be increased.

Second, regarding the issue of unity

I hope that everyone will achieve unity. "Unity is strength" is an unbreakable truth. I believe that good unity is beneficial to individuals. Everyone can relax and work freely without having to be defensive, which is good for physical and mental health. Second, it is beneficial to the cause and can bring out everyone's enthusiasm, so that the cause can develop. Usually we should pay attention to the relationship between directors and comrades. The unity between the director and comrades should be cherished as a kind of fate to be able to work together. Only through good unity can we overcome all difficulties and do a good job in the sales department.

As the saying goes, "Don't let a family scandal be publicized." Apart from reporting things that happen in the sales department to the director's office, don't make too many comments or laugh at them. We are all doing things. , everything will make mistakes. The more things are done, the greater the possibility of them happening. We all feel very busy, and mistakes may happen, so I hope that when things happen, you will help find solutions instead of Make irresponsible remarks and brag everywhere. What should be said and what should be reported upward will be reported after discussion and decision by the director's office. At the same time, tell me the good things about the past, and don’t talk too much about the bad things, and don’t talk to me about the bad things. The only purpose mentioned is to devote all your mind to work. But for my personal problems, I can report them directly to the president’s office.

Third, about service work

1. My understanding of service work.

With the development of the economy and the improvement of people's quality of life, customers are moving from a single pursuit of material satisfaction to dual material and spiritual satisfaction. The financial service industry has entered an era where customers are selective and picky. Any remarks at work are even "" The bluntness, indifference and reluctance of "Xilaizhishi" will make our services go in the opposite direction and be counterproductive. In the face of increasingly fierce competition in the industry, service will always be the subject of competition.

2. Providing good service is of vital significance to the sales department. The first business department is the largest service window in the whole bank, especially the business serving account managers accounts for more than 80% of the whole bank. Therefore, the quality of our counter service directly affects the reputation of the business department and the reputation of the whole bank. The current service quality of the second business department is unsatisfactory. Compared with the Bank of China business department in the same industry, and compared with the bank's central office on the same floor, there is a big gap. The direct benefits brought by the third-party service work to our sales department are considerable and account for a large proportion. In the first quarter, the branch's performance income allocated to the business department was - yuan, of which the amount of services for account managers amounted to - - yuan, accounting for - - of the total amount. It is said that the proportion in the second quarter was even higher than that in the first quarter. When the performance was distributed in the fourth quarter of last year, it was because of the deduction of service satisfaction, which caused the sales department to lose RMB 10,000 per person. This shows the importance of serving account managers.

3. Questions about service skills

First, "Customer is God" has been discussed, demanded and emphasized every time in the past meetings, and the effect it has had It is not ideal, and the reason is that God is too far away from us and too unrealistic. Therefore, today I want to change my formulation and call on everyone to change their thinking to a new concept: treat customers as their relatives and friends. Because when relatives and friends come, you will smile knowingly; you will stand up happily and take the initiative to greet them; you will greet them warmly; you will give up your seat and serve tea...; you will handle any business for them without any problem. You will do your best without regrets; you will be anxious about what others want and think about what others want; even if the business cannot be completed, you will patiently explain it so that he will be happy and satisfied. In this way, the service will be more warm and natural, more humane, and more close, thus increasing the affinity. We should use the three-foot counter as a position to serve customers. Starting from counter service, we must carry out discussions with the theme "If I were a customer" to explore customer psychology. Everyone must consciously think in their shoes and understand customer psychology. , according to different customers, put forward corresponding reports, be civilized and courteous, and provide meticulous service. Starting with a cup of tea, a cigarette, and a greeting, let customers enjoy the warmth of "home".

Second, we must work hard to improve service speed. "To forge iron, you must first be strong yourself." Without excellent business skills, high-quality services are like building a house on the beach. Regarding this issue, I want to combine labor as soon as possible, squeeze out one or two people from the existing positions, and learn business cross-fertilization, so that everyone can be multi-functional, improve operational skills, and reduce customer waiting time.

4. Regarding the relationship between services and system implementation

First, regarding the issue of deviations in the implementation of rules and regulations and business development requirements, we should make this clear. The system is To serve development, that is, institutional services and development. Once upon a time, "separate management of money and accounts" and "review system" were iron-clad systems implemented by old banks for decades. Now, under the new requirements of strengthening external services, improving service efficiency, reducing staff, increasing efficiency, and enhancing competition within the industry, The implementation of the integrated teller system has put forward new requirements for the implementation of the traditional system. Phenomenons that seem not allowed by the system today or conflict with the system may be adjusted after a period of time. Only by constantly adjusting deviations in system implementation and business development can ICBC continue to develop and grow stronger.

Second, we should oppose two tendentious errors. First of all, we should oppose the one-sided emphasis on the system and the neglect of development. Based on development, we must correctly face the contradictions arising from business development and conflicts with the system. The correct attitude is not to avoid contradictions and to find the integration point between systems and services. The system serves development. Secondly, we should oppose the following emphasis on development and disregard of the system. The fundamental system is unshakable.

However, it should be clearly distinguished and grasped accurately, and avoid making decisions without authorization. Arbitrarily, this is also the fundamental system, and that is also the fundamental system, thereby cutting off the development path and handing over the market opened up by account managers to others.

Comrades: After arriving at the sales department, with the correct leadership of the president’s office and the strong assistance and hard work of my comrades, I have the confidence and determination to create greater glories with everyone.

Bank morning meeting speech 4 minutes 3

Dear leaders and shareholder representatives:

I would like to thank the chairman and all directors for their trust in electing me to serve as Chongzhou Chief Executive Officer. The first proposed president of Yin Rural Bank. After passing the qualification approval of the regulatory authorities, I will fulfill the obligations entrusted to me by the "Articles of Association" of Chongzhou Shanghai Bank Rural Bank approved by the shareholders' meeting today. During my term of office, I will lead the entire bank to unite and work diligently to serve Chongzhou Shanghai Bank. We will do our best and contribute to the construction and development of village and town banks.

The development of rural banks is to promote the formation of a banking financial service system in rural areas with diversified investments, diverse types, comprehensive coverage, flexible governance, and efficient services, so as to better improve and strengthen rural financial services and support society. to meet the needs of building a new socialist countryside. After assuming their duties, the leadership team of Chongzhou Shangyin Rural Bank will conscientiously implement the requirements of the "Several Opinions of the China Banking Regulatory Commission on Adjusting and Relaxing Access Policies for Banking Financial Institutions in Rural Areas to Better Support the Construction of a New Socialist Rural Area" and work with them to Agriculture, rural areas and farmers share the same destiny, accompanying the development of small and medium-sized enterprises.

Make due contributions to the economic and social development of agriculture, rural areas and farmers in Chongzhou City, and to the construction of new rural areas in Chongzhou City. We will adhere to the market positioning of being based on agriculture, rural areas and rural areas and serving local areas, provide thoughtful services, and strive for perfection, so as to build rural banks into banks that are trusted by the society; we will adhere to the development path of compliant operations and steady development, and conscientiously implement the requirements of regulatory authorities , to build rural banks into banks that regulatory authorities can trust; we will adhere to the value orientation of win-win cooperation and profit with justice, operate with integrity, work diligently, reward shareholders with excellent operating performance, and build rural banks into a bank that satisfies shareholders Bank; we will adhere to the management concepts of innovation to achieve performance, compliance to create value, and characteristics to lead development, establish a dynamic mechanism and system, and build rural banks into banks that achieve the careers of employees.

It is our mission and responsibility to base ourselves on agriculture, rural areas and farmers, serve the local area, repay shareholders, and achieve success for our employees. In the future work, we will definitely fulfill our social responsibilities, be accountable to our shareholders, accept the supervision of the Board of Supervisors, rely on the support of the local government and all sectors of society, implement the national monetary policy, and implement the requirements of the China Banking Regulatory Commission and the Sichuan Banking Regulatory Bureau on the construction and development of rural banks. Development work requires that Chongzhou Shangyin Rural Bank be built into a local corporate bank that is close to agriculture, rural areas and farmers, and close to small and medium-sized enterprises, with characteristics, brand, vitality and core competitiveness.

Dear leaders and shareholder representatives, rural banks are a new thing in my country’s financial field. Although my colleagues and I have long-term experience in working and serving in financial institutions, we still need to lead and manage rural banks. Learn and explore further. During the preparation process, Chongzhou Shanghai Bank Rural Bank has received strong support and help from the provincial and municipal regulatory authorities, the People's Bank of China, the Chongzhou Municipal People's Government, various government departments and shareholders. We look forward to the future development of Chongzhou Bank Rural Bank. On the road of development, we will continue to receive your care and support. We will also use a hundredfold confidence and a hundredfold efforts to achieve a glorious future for Chongzhou Shangyin Rural Bank.

Thank you all!

Bank morning meeting speech 4 minutes 4

Dear leaders and shareholders:

__ Rural Commercial Bank The founding meeting and the first general meeting of shareholders successfully completed all scheduled agendas through the joint efforts of shareholders and comrades present. Just now, the general meeting elected members of the first board of directors and supervisory board of __ Rural Commercial Bank. Thanks to the trust of all shareholders and directors, I am elected as the chairman of the board of directors in accordance with the law. I would like to express my sincere gratitude! I know that serving as the chairman of __ Rural Commercial Bank has a lofty mission and a heavy responsibility.

Together with all directors and colleagues, I will faithfully perform my duties, fulfill my duties, work hard, and live up to the expectations of all shareholders and leaders at all levels with an attitude of being responsible for the development of __ Rural Commercial Bank and the interests of all shareholders.

__ Rural Commercial Bank was formerly the __ District Rural Credit Cooperative Association. Since its establishment, with the strong support and help of organizations at all levels, it has achieved good results and various reforms have achieved remarkable results. The development vitality is highlighted, the level of agricultural support services continues to rise, the operational efficiency continues to improve, and the corporate image is further enhanced. The achievement of these achievements is the result of the correct leadership, care and help of the provincial federation, the government, the People's Bank of China, the Banking Regulatory Bureau and all sectors of society. It is the result of the hard work and united struggle of all employees led by the previous leadership teams. It is the result of the active participation of all shareholders, The result of active support. Here, on behalf of __ Rural Commercial Bank, I would like to express my heartfelt gratitude and high respect to the shareholders, leaders at all levels and friends from all walks of life who have long cared about and supported the development of rural commercial banks! We will inherit rural credit On the basis of social history and culture, we adhere to the business philosophy of "credit-based, win-win cooperation", adhere to the market positioning of community-based retail banks serving "agriculture, rural areas and farmers" and the community economy, and establish and improve the operation and management system of modern commercial banks and mechanism, accelerate the development of various businesses, improve internal control and risk management systems, and strive to repay society, customers, and shareholders with good operating performance.

20_ is the first year after the restructuring of __ Rural Commercial Bank. Facing new opportunities and challenges, we will firmly implement the three historical missions of “promoting standardization, enhancing competitiveness, and making new contributions”, comprehensively accelerate the development of various businesses, and build __ Rural Commercial Bank into an A characteristic bank in a failing place, a high-quality bank with sustainable development, a truly modern bank, a process bank with refined management, and a harmonious bank full of vitality."

Dear shareholders and comrades, I firmly believe that there is the strong leadership of the Provincial Association, the Municipal Party Committee and the Municipal Government, the strong support of the People's Bank of China, the banking regulatory department and the majority of shareholders, and the *** of all employees. By working together, our goals will be achieved smoothly, and the future of __ Rural Commercial Bank will be even better!

Thank you all.

Bank Morning Meeting Speech 4 minutes 5

Dear leaders, distinguished guests, ladies and gentlemen: Good afternoon everyone!

In this wonderful time On the night of 19th, we gathered together to celebrate the first anniversary of the opening of Meihekou Minsheng Rural Bank. This is an important milestone in the development history of Meihekou Minsheng Rural Bank, and it is also a historic event in the development process of our bank. Here, on behalf of all the cadres and employees of Meihekou Minsheng Rural Bank, I would like to express my sincere welcome to all the leaders and friends from all walks of life who attended today's celebration ceremony! I would like to express my heartfelt thanks to the leaders at all levels and friends from all walks of life who care about and support the development of our bank. !

When business flourishes, the people will be rich, and when the people are prosperous, the country will be strong. In recent years, Meihekou Minsheng Rural Bank has adhered to the rich cultural heritage of China Minsheng Bank and relied on information technology to actively promote the innovation of financial products and services, the continuous improvement of service means and service environment, and the further improvement of service efficiency and service quality. We have always adhered to the business philosophy of China Minsheng Bank of "serving the public and caring for people's livelihood", based in Meihekou, serving "agriculture, rural areas and farmers", supporting small, medium and micro enterprises, taking serving local economic construction as our own responsibility, constantly pioneering and innovating, and striving to build management A modern rural financial institution with standardized and considerate services. We have always adhered to the coordinated development of quality, efficiency, speed and structure, continuously expanded our business scale, strived to improve profitability, and maintained a good trend of sustained, stable and healthy development.

Lan Zhou urged the ship, but time did not wait for us. In today's increasingly fierce competition, the city of Meihekou will surely become a hot spot for investment and development, a fertile ground for growth, and a paradise for businesses to gather. With this once-in-a-lifetime development opportunity, we are full of confidence and hope.

We will make full use of Meihekou's unique location advantages and strong customer resources, closely rely on the support of party committees, governments, regulatory agencies and all walks of life at all levels, adhere to the pioneering and inclusive spirit of China Minsheng Bank, and actively learn from local peers. Consciously integrate into the local economic development trend. At the same time, guided by the Scientific Outlook on Development, we adhere to a high starting point, high-standard management, and high-quality operations to provide customers with characteristic, differentiated, and diversified financial services, fully demonstrating the people's livelihood spirit of "unity, hard work, dedication, and innovation" , build Meihekou Minsheng Rural Bank into a boutique bank with regional development, create more wealth and value for the society, repay the love from all walks of life with excellent performance, and make positive contributions to the social and economic development of Meihekou City !

Finally, I wish all leaders and guests good health and all the best, thank you all!

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