2. Adhere to variety innovation and service innovation, and develop retail business in multiple directions.
3. Strengthen loan marketing, expand loan scale and continuously optimize credit structure.
4. Vigorously develop international business and increase intermediary business income.
5. Pay close attention to cleaning up non-interest income.
6, strive to improve the level of capital operation, and strive to maximize profits.
(2) Deepen reform, strengthen management, improve service quality, build distinctive brand of bank corporate culture, and comprehensively enhance competitiveness.
Question 2: How to write the bank work plan? We can write it down. There are related parties in the information.
Question 3: Do you have any ideas, plans and measures for the management of bank documents? A good document management scheme needs a good document management system to control it. It is recommended to consult large domestic document management service providers and provide a large number of solutions, such as kass document management software, which has ten years of industry solutions and is handy for the financial industry. Suggest consultation.
Question 4: Who can help me write the business development plan of the banking company? Through research, it is found that credit risk has always been in the first place among bank risks, which is the first risk we need to pay attention to. Based on the actual situation of China's commercial banks, this paper expounds the existing problems, and on the basis of analyzing the trend of credit risk management in international advanced banks, puts forward some suggestions to strengthen credit risk management.
Commercial banks; Credit risk; risk management
Financial industry is a high-risk industry, which mainly includes credit risk, market risk, liquidity risk, operational risk and legal risk. Among the risks faced by the banking industry, credit risk accounts for the highest proportion, accounting for about 60%, followed by operational risk, accounting for more than 30%, while other risks such as market risk and legal risk are relatively low, accounting for about 5%. This paper only studies the credit risk management with a large proportion of risks.
Credit risk refers to the risk of loss caused by the debtor's default or the change of the debtor's credit rating or performance ability. For commercial banks, this risk mainly comes from the possibility that creditors will suffer losses due to the borrower's default or credit deterioration. This kind of loss includes three parts: expected loss, unexpected loss and unexpected loss, of which the first two parts constitute the main body of the loss and are the most meaningful parts for the bank [1].
With the diversification of commercial banking business, credit risk not only arises from traditional loan business, but also involves the actual credit risk in bill discount, overdraft, opening letters of credit, opening bank acceptance bills, interbank lending, bond underwriting, guarantee and other businesses. In the modern sense, credit risk includes the risk of losses to bank assets caused by counterparty's direct default and the risk of changes in the possibility of counterparty's default, because from the perspective of portfolio investment, not only the value of portfolio will change due to counterparty's direct default, but also the performance of counterparty may change due to factors such as credit rating reduction and profit reduction, which will bring losses to portfolio. The modern concept of credit risk includes traditional credit risk and asset loss risk caused by the change of counterparty's credit level and performance ability.
First, China's credit risk management status [2]
(A) has not yet formed a correct concept of risk management
At present, bank employees in China have insufficient understanding of credit risk management and their management concepts are backward. First of all, they did not fully understand the coordination between the immediate interests and long-term goals of bank development; Secondly, the relationship between banking development and credit risk management has not been fully understood; Third, the awareness of credit risk management has not been implemented in the whole industry employees and management process, and credit risk management has always been regarded as the responsibility of the risk control department.
(B) the lack of credit risk management personnel, lack of experts in analysis and forecasting
Due to the short time of credit risk management in China, both the accumulation of management experience and the cultivation of management talents are quite scarce, resulting in fewer experts in risk analysis and prediction, which restricts the popularization and application of international advanced credit risk management models and methods in China.
(3) The quantitative management of bank credit risk is backward, and the advanced technology of credit risk quality and management has not yet been established.
Modern credit risk management is different from traditional credit risk management. It pays more and more attention to quantitative analysis and uses a large number of statistical models and financial tools. However, in the quantitative analysis of China's banking industry, it mainly refers to assets and liabilities indicators and position matching indicators, and risk measurement and statistics have not been institutionalized and scientific.
(D) A healthy social credit system has not been established, and it is difficult to truly reflect the credit status of enterprises.
Due to the lack of credit in our society, the authenticity of enterprise financial data is not high, and credit rating is not fully used in loan decision-making. Grassroots credit personnel do not have much time to track the financial changes of enterprises at any time, which leads to incomplete and inaccurate financial data in credit risk management and the risk cannot be truly reflected.
(5) The basic database needs to be enriched, and the management results need to be tested.
It is an important means to test the objectivity of credit risk management results by statistically analyzing the actual default rate and loss degree of different credit grades according to historical data. However, in the credit risk management in China, which started late, the information disclosure and management methods are still ineffective, and it is difficult to receive the real financial information of enterprises, which leads to the lack of credibility of the analysis results and makes it difficult to apply advanced credit risk management technology to the actual credit risk management of banks.
Two. Trends and characteristics of risk management in international advanced banks
Since the birth of 1988 Basel Accord, after decades of development and practice, many advanced ideas and methods have been accumulated and summarized in credit risk management of foreign banks. & gt
Question 5: How to write hello for the second-hand housing development ideas of bank employees? There are related articles in Baidu for reference. Hope to adopt!
Question 6: What are the responsibilities and work contents of each department of the bank? 1 office: organize the office of the head office, and be responsible for the drafting, publicity and liaison, letters and visits, administrative and financial management of important documents such as comprehensive coordination of the head office, official document processing, supervision and investigation, confidential files and meetings of branch presidents.
Management Information Department: in charge of business statistics and information work of the whole bank, responsible for summarizing and compiling various business statistics reports, comprehensively analyzing and evaluating the business management status of the whole bank, organizing investigations and studies, publishing information on the Internet, and collecting and processing various economic and financial information. Responsible for the office automation of the head office.
3. Planning and Finance Department: Prepare the Bank's comprehensive operation plans such as capital operation plan, financial plan and infrastructure plan, and supervise their implementation. Responsible for asset-liability ratio management, financial management, interest rate management, capital construction and fixed assets management of the whole bank. Assess the implementation of the target responsibility system of branch presidents and departments.
4. Capital Operation Department: responsible for managing RMB capital positions of the whole bank, balancing, dispatching and financing funds. Including undertaking the RMB fund management of the whole bank, scientifically formulating the fund operation plan according to the principles of safety, liquidity and efficiency, and uniformly allocating the funds of the whole bank through internal fund transaction price, deposit reserve, system loan and internal fund transaction, etc., so as to realize the asset-liability management goal of the whole bank. By participating in the operation of the interbank lending market, bill market and bond market in China, we will intensively manage funds, improve the efficiency of fund use and promote the operating efficiency of the whole bank.
Personal Finance Department: responsible for the unified development and management of personal finance business, including local and foreign currency savings business, personal intermediary agency business, personal wealth management business and consumer credit business.
Corporate Banking Department: responsible for the marketing, customer management and service management of corporate finance business of the whole bank, organizing syndicated loans, entrusted agency and entrusted loans for corporate customers, coordinating relevant resources in the bank, and providing one-stop services and package solutions for corporate customers.
7 Credit Management Department: responsible for credit policy management, system management and business monitoring of the whole bank, including organizing credit policy research, formulating industry credit guidance, credit approval, monitoring analysis and credit management of the whole bank, and undertaking the work of the secretariat of the credit policy committee of the Head Office.
Housing finance business department: responsible for formulating housing finance policies and systems, as well as business marketing, monitoring and management; Responsible for securitization of housing mortgage loan.
Asset Risk Management Department: responsible for risk control and management of credit assets, investments and other assets of the whole bank. Formulate bank-wide asset risk control and management policies, conduct classified monitoring on asset quality, organize the collection and transformation of non-performing assets, and be responsible for bank-wide creditor's rights management and write-off of bad debts.
10 accounting settlement department: responsible for accounting system management, accounting system reform, accounting information monitoring and accounting information disclosure, organizing product research and development and market promotion of settlement business, promoting the process of accounting computerization, and organizing comprehensive business system parameter management. Responsible for bank-wide fund settlement business, including RMB fund settlement, foreign exchange fund settlement, account management and supervision and inspection of fund transactions; Responsible for fund sales registration and registration.
1 1 International Business Department: responsible for the management of the international business system of the whole bank; Responsible for the management of international settlement and external financing business; Establish and develop foreign correspondent bank relations; Establish and manage overseas institutions and joint ventures of the Bank; Responsible for the operation and management of the exchange fund business; Manage the foreign affairs of the whole bank.
12 business department: responsible for the direct operation of the local and foreign currency business of the Head Office, mainly including national group companies, large outstanding listed companies, the world's top 500 and other outstanding multinational companies investing in China, key enterprises in monopoly and growth-oriented key industries, large-sum low-risk loans, credit asset transfer business of the Head Office and other business operations.
13 legal affairs department: in charge of legal affairs of the whole bank, handling economic litigation (arbitration) cases, internal economic disputes and other legal affairs.
14 credit evaluation department: responsible for the bank-wide loan project evaluation, corporate credit rating, standard line setting, information consultation and credit investigation.
15 information technology department: responsible for the organization and management of electronic construction of the whole bank, formulating the development plan and institutional measures of information technology of the whole bank, and organizing scientific and technological projects, information engineering construction and safe operation management of the whole bank, including computer system and network construction, application product design and development, computer equipment configuration and technical training.
16 Audit Supervision Bureau: responsible for the audit supervision of the whole bank. Draw up audit work plan, formulate audit work system and measures, and organize relevant departments of the Head Office. & gt
Question 7: How to write the weekly work plan of bank account managers without reference. This paper mainly describes the main work content, how to work hard and the achievements achieved, and finally puts forward some rationalization suggestions or new efforts. . . . . . . Work summary is to let superiors know what contribution you have made and reflect the value of your work. So you have to write a few points: 1, your understanding of the post and work, 2, what you have done, 3, how you have worked hard, and what you have to solve with your brain. Even if it's nothing, write something difficult. How do you solve these problems through hard work? 4. What abilities do you need to improve or enrich in your future work? 5. The superior likes people who are active in their work. You should make all the preparations in your work, that is, prepare in advance as follows for your reference: summary is a comprehensive and systematic overall evaluation and analysis of the situation in a period of time, and an analysis of achievements, shortcomings and experiences. Summary is a kind of applied writing, which is a rational thinking about the completed work. The basic requirement of summary is 1. The summary must have an overview and narrative of the situation, some simple and some detailed. 2. Achievements and shortcomings. This is the main content of the summary. The purpose of summing up is to affirm the achievements and find out the shortcomings. What are the achievements, how big they are, how they were achieved, and how they were achieved; How many shortcomings there are, in what ways, and how they came about, should be clearly written. 3. Lessons learned. In order to facilitate the future work, we must analyze, study and summarize the previous work experience and lessons, and form theoretical knowledge. Summary notes: 1. We must seek truth from facts, our achievements are basically not exaggerated, and our shortcomings are basically not narrowed. This is the basis of analysis and learning lessons. 2. Clear organization. This sentence is fluent and easy to understand. 3. Be detailed and appropriate. There are important things and minor things, and you should highlight the key points in your writing. The problems in the summary should be divided into primary and secondary and detailed. The basic format of the abstract: 1, heading 2, beginning of the text: overview and overall evaluation; Summarize the full text. Subject: analyze the shortcomings of achievements and sum up experiences and lessons. Conclusion: Analyze the problem and make clear the direction. 3. Signature and date of signature
Question 8: How to write a bank employee deposit plan? , the unit gave the deposit task. Not before? I have generally seen it. I just make a list and write down the balance of deposits in the previous period, how much it is planned to increase throughout the year and how much it will increase every month (or quarter). Do it. You can add a text description. Mainly according to the need to make tables.
Question 9: Calculation method of operating profit of commercial banks Profit rate = total profit ÷ operating income ×100%;
Capital profit rate = total profit/capital ×100%;
Cost rate = total cost/operating income ×100%;
4. Comprehensive expense ratio = operating expenses ÷ (operating income+investment income) × 100%.
The calculation formula is:
Total profit = operating profit+non-investment income+net non-operating income and expenditure.
Operating profit = operating income-operating expenses-business taxes and surcharges
When the bank's profit is known, we can calculate the bank's net profit. The net profit (or net loss) of a bank is the balance of total profit minus income tax. The calculation formula is: net profit (or net loss) = total profit (or total loss)-income tax.
Question 10: How do you write more about bank reading? After reading an article or a book, write down your feelings, experiences, education and enlightenment. The written article is called "feeling after reading". How to write your thoughts after reading? The basic idea of post-reading is as follows:
(1) Briefly describe the relevant contents of the original text, such as the title of the book, the author, the year of writing and the summary of the original book or the original text. This part is written to explain where feelings come from and pave the way for the following discussion. The word "Jane" must be highlighted in this part, and the specific content of the reading and text must not be described in large paragraphs, but it is directly related to feelings.
(2) clarify the basic point of view. Choose the point that touches you the most and express it clearly in concise sentences. Such a sentence can be called "viewpoint sentence". This viewpoint sentence is the central argument of this paper. The position of "viewpoint sentence" in the article can be flexible, which can be placed at the beginning of the article, at the end of the article or in the article. For beginners, it's best to cut to the chase and write your own opinions in the article.
(3) Placing facts and reasoning around basic ideas. This part is the theoretical part of the argumentative paper, which expounds the basic viewpoint (that is, the central viewpoint), and proves the correctness of the viewpoint by putting facts and reasoning, making the viewpoint more prominent and convincing. It should be noted that facts and reasoning must closely revolve around and serve the basic point of view.
(4) Linking basic ideas with practice. A good feeling after reading should have the flavor of the times and have a true feeling. To do this, we must be good at connecting with reality. This "reality" can be personal thoughts, words and deeds, experiences, or a social phenomenon. When connecting with practice, we should also pay attention to closely surrounding the basic viewpoints and serving them, rather than blindly connecting and disconnecting. The above four points are the basic ideas of writing post-reading feelings.