20 19 1 model essay on work summary of bank credit department
Time passed quietly. I have been working for two and a half years. As a loan officer of _ _ Bank _ _ Sub-branch, I have many feelings. Looking back on my work in the past 20 years, with the care of the head office and leaders, and the help of all comrades, I earnestly studied my business knowledge and skills, actively carried out my work, and successfully completed my work tasks. I have certain ideological consciousness, professional quality, operational skills and excellent service. This year's work is summarized as follows:
First, strengthen study and strive to improve business skills.
Over the past year, I have studied credit knowledge seriously, read relevant books, and finally mastered basic financial knowledge and credit business skills through unremitting efforts. I became familiar with the new business process of the head office for the first time, handled the first commodity financing loan of the bank, and established a good business cooperation relationship with logistics supervision enterprises, which laid a foundation for the Bank to handle commodity financing business in the future.
Because I haven't been in the credit position for a long time and I don't have much credit knowledge, I actively participate in every relevant training organized by the head office and read relevant credit books after work to increase my & ldquo; knowledge base &; Rdquo, through online access, timely grasp the relevant national industrial policies and reduce the credit risk brought by the national macro-control.
Second, do a good job seriously.
I love my job, I can treat every task correctly and seriously, I can work actively, I can abide by all the rules and regulations seriously, and I can finish the tasks assigned by the leaders in time.
As the deputy manager of the marketing department, I deeply feel the heavy burden on my shoulders, and a slight negligence may cause credit risk. So I constantly remind myself and constantly enhance my sense of responsibility. I know that the quality of credit assets is related to the bank's development plan, and the responsibility is more important than Mount Tai, so we can't be careless at all.
Before the loan investigation, I insisted on the loan &; Ldquo three checks &; Rdquo system and the credit management system formulated by the Head Office, combined with the new loan regulations, carefully investigate every loan, from the borrower's subject qualification, credit standing, the present situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legality and effectiveness of mortgage and pledge; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production, sales and profits to the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully investigated every link without any slack.
After the loan, I checked the warehouse of the enterprise from time to time every month, kept abreast of the product market, grasped the purchase price of raw materials and the price of finished products, analyzed the profits of the enterprise in the current month and the cash inflow and outflow of our branch, wrote a survey and reported it to the Head Office regularly, which was well received by the post-loan department of the Head Office.
3. Actively complete the tasks assigned by the Head Office.
During the development of the credit rating system, the Head Office actively cooperated with the project team of the Head Office, and completed the tasks assigned by the project team with high quality in advance, which was praised and recognized by the leaders of the Head Office. In the new business developed by the head office, we carefully studied the relevant documents, sorted out the process, and actively discussed with the leaders of the company's business departments to correct the shortcomings of the existing process, which was affirmed by the leaders of the company's business departments.
Looking back on one year's work, I feel that there are still many shortcomings. First, the improvement of professional quality is not fast, and the loan risk control is immature; Second, only to meet their own tasks, work development is not bold enough, and management experience is still shallow.
In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, fulfill my duties, obey the leadership, be a good employee assistant, work together with all employees, improve the operating efficiency of our bank, and make my due contribution to the completion of various tasks and goals in the past 20 years.
20 19 summary of the work of the bank credit department Fan Wener
Over the past 20 years, under the cordial care of the leaders of the Head Office, the careful guidance of the leaders of the Credit Management Department and the full cooperation of comrades, I have worked hard to improve my own quality, earnestly performed my post responsibilities, paid attention to investigation and analysis, boldly tried innovative measures, and achieved certain results.
First, constantly improve yourself and improve your overall quality.
In order to meet the objective needs of banking work under the new situation, I always put learning in an important position and strive to improve my overall quality. First, learn from Deng Xiaoping Theory and&; Ldquo Theory of Three Represents theory. Important thoughts and&; Ldquo Scientific Outlook on Development. Theory not only improves political insight, but also establishes a correct world outlook, outlook on life, values and service outlook; Second, studying financial policies and new loan regulations carefully in business not only broadens the knowledge level, but also is good at creative work in practice; Third, pay attention to personal moral cultivation in the work, strive to abide by the law, obey the leadership, unite colleagues, take the overall situation into account, be honest and do things in a down-to-earth manner.
Second, pay attention to business innovation and improve work efficiency.
Due to the changes in the staffing of the credit management department and the increasing number of loans submitted by branches, the original credit review management system can no longer meet the objective needs of business growth. If it is not updated in time, it will seriously affect the efficiency of loan review and even lose the hard-won customer base. However, if external professionals are hired to update the system, then first, time is too late, second, there is the risk of program leakage, and third, higher R&D expenses will be paid. Therefore, my comrades and I have developed a new credit review management system for the purpose of considering the interests of banks and relying on independent innovation. The system can automatically generate review forms, voting forms, approval opinions, review reports, meeting minutes and other relevant credit review materials, which not only saves human resources, but also improves the efficiency of loan review, which has been fully affirmed by the leaders of the head office and branches and popularized throughout the jurisdiction. In addition, I have carefully summarized the successful experience of developing the credit review management system of "Technology Helps Business Innovation" and published it in the briefing of the Head Office.
Three, earnestly perform their duties, be a good decision-making staff.
Statistical reporting of credit data requires rich credit knowledge and years of experience accumulation. Reports include daily reports, ten-day reports, monthly reports, quarterly reports and many temporary reports, which are reported to the superior bank, the banking regulatory bureau, the People's Bank of China and the financial office of the municipal government respectively. For the data reported to different units, I pay attention to the different reporting caliber and the continuity of the report. On average, more than 40 copies are submitted every month, which ensures the accuracy of data and timely submission. The examination and printing of credit information requires fast work efficiency and high sense of responsibility. I carefully reviewed the legality, compliance, authenticity, integrity, effectiveness, consistency and rationality of the loan materials submitted for review, fully revealed the main risk points, and put forward risk prevention measures. More than 3,000 copies of audit materials were audited and printed throughout the year, which ensured the efficiency and quality of loan audit. Besides, I also do&; Ldquo Sanqin &; Rdquo, that is, diligent observation and research, writing research reports; Diligently accumulate materials and guide grassroots work; Feedback information frequently and be a good decision-making consultant. My Proposal on Strengthening the Management of Credit Files was adopted by the research publications of the Head Office. He also participated in the formulation of credit management systems such as _ _ operating rules and rural credit file management measures, which promoted the bank's credit management to move forward in the direction of rules-based, rules-based, strict discipline-abiding, and violations.
Fourth, carry out credit information publicity to improve the financing environment.
In order to actively respond to the unified development of the head office of China People's Bank &; Ldquo20__ Credit Information Special Publicity Month &; Rdquo activities, I insist on&; Ldquo It is powerful, distinctive and effective &; The principle of openness of rdquo is closely related to&; Ldquo cherishes its credit record and enjoys a better life &; The rdquo publicity theme helped the leaders in charge of the Head Office and the leaders of the Credit Management Department to carry out various forms of credit information publicity activities, which received good social effects. At the beginning of September, I coordinated and guided the branches to go deep into the fields, publicized the credit information knowledge to farmers on the spot, posted credit information leaflets in the government affairs public columns of key administrative villages, and tried every means to send credit information to thousands of households, effectively improving the social awareness of credit information knowledge. At the beginning of September, I assisted the legal person customer service center to visit the enterprises under its jurisdiction, had a discussion with the heads of enterprises, and publicized the positive role of the credit information system in the construction of small and medium-sized enterprises and rural credit system. On September 19, I attended the&_ Bank. Ldquo Country Stage &; Rdquo& ampmdash Credit information knowledge into rural publicity activities. The activity was explained by the host, singing and dancing, interspersed with two-person performances, which received the effect of entertaining and entertaining, and was promoted by the Municipal People's Bank in the form of official documents and praised by the notice.
Five, seriously serve the grassroots, to ensure that the management in place.
Serving the grassroots is a basic work of credit management, and it is also the main responsibility of the credit management department to implement the credit management spirit of the Head Office. I have worked at the grassroots level for many years, and I am well aware of the hard work of front-line employees, especially loan officers. Therefore, I firmly establish the purpose of serving the overall situation and serving the grassroots, and take the satisfaction of the grassroots as the standard to measure my work. First, patiently answer the difficult problems encountered by credit personnel, help the grassroots to deal with the difficult business in time, understand the demand of the grassroots for credit management, and avoid the phenomenon that the grassroots management is out of touch with the functional departments of the Head Office; Second, coordinate and guide the grassroots to do a good job in credit statements, daily management of credit information system, annual review of loan cards of account-opening enterprises, five-level classification of credit assets, investigation and collection of loans with borrowed names and counterfeit names, and conduct risk monitoring and early warning tips for loans that have been in normal loans overdue for more than 90 days and have expired and defaulted interest; Third, take the credit job training as an opportunity to effectively perform the grass-roots business counseling function. In mid-February, I participated in the whole-jurisdiction credit file learning class, which laid a good foundation for the standardization of the whole-jurisdiction credit file management. At the beginning of April, I participated in the whole-jurisdiction credit investigation class, which further standardized the operation of the credit investigation system and provided a good information guarantee for preventing credit risks. In early and mid-July, he was responsible for explaining the routine credit statements, common problems and solutions in the credit management system, as well as the filling of various statements in the special rectification stage of the provincial association. Credit personnel in the whole jurisdiction have learned new loan regulations, changed their concepts, improved their professional quality, and prevented and controlled credit risks, which has benefited a lot.
To sum up, although I have made some achievements, there is still a certain gap with the requirements of leaders and the expectations of comrades. First, we don't fully understand the spirit of the instructions of the superior leaders; Second, our punishment for the problem is not enough; Third, we usually do not give professional guidance to loan officers; Fourth, the concept of organs serving the grassroots needs to be further strengthened. In the new year, I will fulfill my duties, work hard, constantly innovate my work ideas and measures, be a good adviser to leadership decision-making, be a good credit management & ldquo chess piece & rdquo, and do a good job in grassroots services &; The pioneer of ldquo, rdquo, has made new contributions to the sustainable development of _ Bank.
20 19 3 model essay on work summary of bank credit department
With the end of the year approaching quietly, I have been working for a year. From the initial lack of confidence in business skills to the fact that I can analyze the credit business by myself now, what happened has really benefited a lot. Looking back on this year's work, with the care of bank leaders and the help of all my colleagues, I earnestly studied my business knowledge and skills, actively performed my duties, summed up the shortcomings in my work in time, worked hard to improve my professional quality, successfully completed my personal work tasks, and improved my ideological consciousness, professional quality, operational skills and quality service. The experience and experience of this year are summarized as follows:
First, the canal is required to be so clear, because there is running water at the source.
No matter what occupation you are engaged in, you need to keep learning and get fresh ideas, culture and business. Ldquo comes from the source of water. Only in this way can we make continuous progress and maintain a clear spring.
Facing the position of loan officer, I was still a little uncertain at first. It is difficult for me to know the basic situation and business information of customers on the spot, investigate and master the loan purpose and repayment willingness of customers, and analyze the repayment ability of customers. These are all very difficult for me who only attended the training for a few days. At first, I kept thinking, I made a mistake in my analysis. What should I do if I throw the money out? So I often call the master of Ordos corporation for advice during training. Communicate your doubts with them, and think and summarize yourself after getting a serious answer. Learning in practice has given me a new understanding of credit work and increased my confidence.
At the same time, I deeply feel my own shortcomings in this respect. It is not enough to learn from practice, but also to supplement theoretical knowledge, so I actively use my spare time to strengthen financial management.
Learn business knowledge and constantly enrich yourself. Actively participate in all kinds of training provided by banks, integrate all kinds of learning materials issued by banks, apply what they have learned, read financial books in their spare time and refer to successful credit cases.
Through practical experience accumulation, professional training and self-study, I gradually mastered the loan business and operation process. Professional work ability, comprehensive analysis ability, coordination ability and written language expression ability have been greatly improved.
Second, based on their own progress, and strive to water the credit.
I love my job. I can take every task seriously and reflect the country's financial policy flexibly in my work. Seriously abide by the rules and regulations, be able to complete the tasks assigned by the leaders in time and actively carry out business. Looking back on this year, our efforts have finally brought gratifying results.
1, unite and observe discipline, and do our best to improve operating efficiency. Over the past year, I have United my colleagues, obeyed the arrangement of the leaders, and actively done my job.
2. Strengthen awareness and actively market loans. After contact with credit work, we should constantly strengthen the awareness of loan marketing and get rid of&; Ldquo is afraid of loans. The idea is to find borrowers with good benefits, take the initiative to do a good job in market research of borrowers and give credit support to individual industrial and commercial households with market and credit under the premise of ensuring the quality of credit assets.
3. Adhere to the principle of credit and do a good job in credit investigation. I know that the quality of credit assets is related to our business development plan, and the responsibility is more important than Mount Tai, so we can't be careless at all. Over the past year, a careful investigation has been made on every loan, from the borrower's subject qualification, credit status, current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of mortgage and pledge; Pass inventory check and current account purpose check.
Field visits to houses and equipment; From the calculation of assets and liabilities, the analysis of production, sales and profits to the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully investigated every link without any slack. During the pre-loan investigation, I did&; Ldquo Three Musts &; Rdquo means that loan conditions must conform to policies, loan documents must be legal originals, lenders and guarantors must be present to verify and sign, treat strangers as acquaintances, and ensure the compliance and legality of loan issuance.
4. Strengthen management and strive to recover all loans. Collect overdue loans, make a detailed investigation of customers' operation in the current year, understand customers' income, and ensure the timely recovery of due loans.
Third, the road is long, and I will go up and down.
The year's work has gradually come to an end, and some achievements can't be achieved without the strong support of CDB leaders. I am well aware that I still have many shortcomings. Through a year of training and training, I have learned a lot of knowledge and the truth of being a man. The road to glory is long, Xiu Yuan, and I'm in the ups and downs.
In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, perform my duties and obey the leadership. Be a good employee assistant, work together with all employees Qi Xin, unite as one, and make due contributions to the improvement of our operating efficiency and the completion of various objectives and tasks in the coming year.
20 19 4 model essay on work summary of bank credit department
Over the past 20__ years, with the care of the leaders of trade unions and credit cooperatives and the help of all comrades, I have earnestly studied my business knowledge and skills, actively performed my duties, successfully completed this year's work tasks, and improved my ideological consciousness, professional quality, operational skills and quality service. Summarize this year's work.
First, strengthen study and strive to improve political quality and professional quality.
Over the past year, I have earnestly studied Socialism with Chinese characteristics Theory in d_p construction, consciously implemented the line, principles and policies formulated by the party and the state, and strived to enhance the consciousness of serving the people wholeheartedly. Abide by the law, be loyal to their duties, seek truth from facts, be honest, and abide by professional ethics and social morality. Study hard &; Ldquo Theory of Three Represents theory. Important ideas, and can better understand &; Ldquo Theory of Three Represents theory. The spirit of learning &; Ldquo Theory of Three Represents theory. In this process, we can find our own problems in time, which is very important for&; Ldquo Theory of Three Represents theory. I strengthened my study in time, corrected what I couldn't understand mentally, and further improved my ideological consciousness. At the same time, actively use spare time to strengthen the study of financial theory and business knowledge, and constantly enrich themselves. Being able to integrate all kinds of learning materials issued by the joint press, I have applied what I have learned, and my professional working ability, comprehensive analysis ability, coordination ability and language expression ability have been greatly improved.
Second, earnestly perform their duties and do their jobs in a down-to-earth manner.
I love my job, I can treat every task correctly and seriously, I can flexibly reflect the financial policies and spirit of the party and the country in my work, I can actively carry out my work, I can conscientiously abide by various rules and regulations, and I can complete the tasks assigned by the leaders in time. First of all, strict rules and regulations should be adopted to ensure the quality of credit assets. As a loan officer of a grass-roots credit cooperative, I deeply feel the heavy burden on my shoulders, and a slight negligence may cause credit risks. So I constantly remind myself and constantly enhance my sense of responsibility. Over the past year, whether it is hot or cold, I have insisted on checking with other credit cooperatives and resolutely refused to handle multi-family borrowers and large borrowers. At the same time, in order to keep my mouth shut better, I also actively consult comrades in relevant units to master the ability to distinguish between true and false ID cards. As long as it is a fake document, I can see it at a glance, thus making the quality of credit assets the first level. Second, adhere to the principle of credit and do a good job in loan review. I know very well that the quality of credit assets is related to the development plan of credit cooperatives, and the responsibility is more important than Mount Tai, so we can't be careless at all.
For a year, I insisted on the loan &; Ldquo three checks &; The rdquo system and the credit management system formulated by the Associated Press carefully examine every loan, from the borrower's subject qualification, credit status, current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of mortgage and pledge; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production and sales profits, the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully checked every link without any slack. During the pre-loan review, I did it&; Ldquo Three Musts &; Rdquo means that the loan conditions must conform to the policy, the loan documents must be legal originals, the lender and guarantor must be present to verify and sign, and strangers are regarded as acquaintances to ensure that the loan issuance is legal and legal. The third is to improve the quality of work and do a good job in the management of basic credit information in a timely and accurate manner. Doing a good job in recording, collecting and managing basic credit information is one of the important tasks of loan officers, which is tedious and important and needs to be completed frequently. I insist on handling the accounts on the same day, checking all the accounts and never staying overnight.
Third, unite sincerely and try our best to improve operational efficiency.
Over the past year, my colleagues and I have been able to unite well, obey the arrangement of the leaders, actively do all the work, and work hard for the smooth completion of the business objectives of the whole society with one heart and one mind. First of all, I try my best to get a deposit. I often use my spare time to visit relatives and friends, mobilize them to deposit in credit cooperatives, and spare no effort to strengthen the strength of credit cooperatives. The annual expenditure was * * _ _ _ _ million yuan, which successfully fulfilled the tasks assigned by the credit cooperatives. Second, actively marketing loans, I constantly strengthen the awareness of loan marketing and break the&; Ldquo is afraid of loans. The idea is to look for borrowers with good returns. On the premise of ensuring the quality of credit assets, we should take the initiative to do a good job in the market survey of borrowers and give credit support to those individual industrial and commercial households with market and credit. The accumulated loans for the whole year were 200,000 yuan, and none of them were overdue. Third, I strive to complete other tasks assigned by the leaders. In addition to doing my own job, I also do other work according to the arrangement of the leaders, such as collecting money at home every day, going deep into the school to collect tuition fees during the peak season and so on. And I can coordinate with you to complete the task together.
Looking back on the work in the past year, I feel that there are still many shortcomings. First, my professional quality has not improved rapidly, and I have not learned enough new business knowledge. Second, there is still a gap between my work and other peers, and my sense of innovation is not strong; Third, I am only satisfied with completing my own tasks, and my work is not bold enough. In the new year, I will work hard to overcome my own shortcomings, study hard, improve my own quality, actively explore, perform my duties and obey the leadership under the leadership of the business department of the Union and the credit cooperatives. Be a good assistant to the staff, work together with all the staff Qi Xin, unite as one, and make due contributions to improving the operation efficiency of our agency and accomplishing various tasks and objectives in the past 20 years.
?
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