Bank staff work plan 1? Over the past year, I have adhered to the financial guidelines, policies and requirements of relevant rules and regulations of X and xx, and constantly standardized my business behavior. Earnestly study and implement the spirit of superior documents, strive for survival in management and development in competition. At the same time, in order to continuously improve their theoretical level and management level, we have formulated a detailed study plan and insisted on studying the relevant policies and documents of financial theory and xxx reform, so that their theoretical level and leadership ability have been significantly improved. We updated our knowledge and business, put what we have learned into practice, and correctly used Scientific Outlook on Development to carry out our business work.

1. Strengthen theoretical study and improve their comprehensive quality? First, be proactive, take the excellent completion of one's own work as the specific requirement to test one's ideological style, and take the good or bad work performance as the standard to test one's understanding and cognition of the theory; The second is to strive to improve the business level and operational ability. I constantly sum up my experience and actively communicate with my colleagues around me, trying to get familiar with the new working environment and content in the shortest possible time.

Second, persist in being realistic and innovative, and do a good job in various businesses? In daily work, I can start from my own work reality and devote myself to my work with a good sense of overall situation, innovation and responsibility. Facing customers with quality service; Work hard and repay the trust of the leaders. Adhere to the scientific attitude and down-to-earth spirit, and conscientiously do all the work.

? 1. Create customer profile information:

? I often know the customers of xxx company I am in charge of, master the first-hand information of customers, collect and sort out customer information, and establish and maintain complete customer files.

? 2, the establishment of key enterprises and personal credit service system:

? I often maintain good personal relationships with important customers of enterprises.

? 3. Do a good job in deposit marketing:

? Under the leadership of the president's office and the marketing department, cooperate with the network director to do a good job in deposit and loan business and intermediary business. In my business activities, I put serving the grassroots and customers in the first place, and my communication with outlets and customers is in a harmonious state, and many things are solved. Our customer department has more management functions than the agency security department, and more management functions than the business outlets. It is necessary to manage and operate. For the business departments, outlets and key customers of the superior bank, our tasks are quite heavy and our responsibilities are also considerable. Customers are the foundation of the development of commercial banks, and commercial banks strive to tap customer resources to ensure the realization of their tasks.

? 4. Actively carry out loan marketing;

? In order to meet the needs of farmers and rural economic development in the new era, solve the difficulties of farmers' loans, increase farmers' income, and improve the operating conditions of Agricultural Bank of China, our department actively promotes farmers' micro-credit loans and publicizes the xx policy and service commitment of Agricultural Bank of China according to the work requirements of "xx supporting agriculture plan" carried out by provincial branches. Based on the principle of "xx enriching the people, supporting agriculture and enriching the people, being honest and trustworthy, treating differently, being quick and efficient, benefiting the people and giving priority to credit users", we will innovate our working ideas, strengthen our marketing concept, and vigorously promote the "Supporting Youth Entrepreneurship Project" and "Credit Construction Project". In order to ensure the smooth development of xx's work of supporting agriculture, I often go deep into farmers to understand their needs and ideas, and also participate in the on-site evaluation of credit users and the on-site loan issuance, and open the credit operation process with township party Committee cadres to enhance people's understanding and trust in xx cards and ensure the smooth development of xx cards.

Third, be strict with yourself and establish a good image of yourself? Engaged in the position of account manager in the financial industry, people who are in contact with successful people from all walks of life will inevitably encounter various economies. In the face of these, I have skillfully resolved, lead an honest and clean life, maintained the true colors of an excellent account manager, and set an industry model. More and more individual customers have made their assets more rationally allocated and realized more effective value-added and preservation through professional and honest quality services. Many customers have repeatedly expressed their gratitude by giving me gifts or cash, and some even sent me gifts or shopping cards directly. Faced with this situation, I didn't directly refuse the customer's kindness, but made an appointment with the customer alone, returned the gift to the customer quietly and intact, patiently explained the bank's policies and systems to the customer, and expressed my heartfelt thanks to the customer for his appreciation. After my proper handling, these customers not only took the initiative to take back the gifts, but also trusted and respected me more than before. These small "episodes" did not affect the feelings between me and my customers, but made my relationship with my customers more harmonious. Many customers will sincerely say that I am their trustworthy person!

Fourth, the next step? The account manager is the window of external service and the external image of the branch. Personal quality directly reflects the service level of our bank. I know that I still have many shortcomings, such as being impatient when encountering difficulties, needing to improve my comprehensive coordination ability, needing to enrich my work experience, and not working systematically enough. In the future, I will try my best to do the following. I hope leaders and colleagues will supervise and guide me.

? 1, strengthen team consciousness and establish collective concept. Team spirit is the concentrated expression of collective cohesion and combat effectiveness. The completion of anything needs the combination of collective wisdom. With a strong team, there will be no insurmountable difficulties and obstacles. One chopstick is easy to break, but ten chopsticks are hard to break. After all, a person's strength is limited. Therefore, as account managers, we must unite as one, devote ourselves to the reform and development of xx with great efforts and high confidence, reshape the brand-new image of xx employees, and build a first-class workforce.

? 2. Keep improving and serve customers in an all-round way. A scholar said: the real quality service is a conscious behavior from the heart, not a mechanical compliance with rules and regulations. Therefore, we should further improve the service quality, strive for a service brand, attract customers with high-quality services, and effectively improve customer satisfaction.

? 3. Increase marketing efforts and do a good job in lending.

Bank employee work plan 2

? As soon as the new year arrives, XX Branch took the initiative to grasp the early stage according to its own reality, and put forward six specific work measures and requirements in the first quarter while comprehensively planning all the work in 20xx.

? First, carefully deploy the preliminary layout and strive to achieve a good start.

? As early as mid-X last year, the municipal branch held a party committee meeting and an executive meeting respectively, and made arrangements for the marketing work such as fund organization, loan marketing, and intermediary business income, and quickly formulated and issued the Guiding Opinions on Seriously Doing the Key Work in the First Quarter of 20xx, and put forward the business objectives in the first quarter. At the end of the upcoming first quarter, the effective marketing loan is xx million yuan; Realize a net financial income of xx million yuan, including intermediary business income of xx million yuan; Various deposits increased by xx billion yuan, and the annual balance exceeded xx billion yuan. The number of debit cards issued reaches xx; Non-performing loans decreased by xx million yuan, and interest on loans without provision was collected to xx million yuan. Around the above objectives, all county (district) sub-branches should earnestly enhance their sense of urgency and responsibility for accelerating effective development, plan and arrange as early as possible, do the key work in the first quarter in a down-to-earth manner, strive to achieve a "good start" in all businesses in the first quarter, race against time, actively strive for the initiative in work, and make a good start for the successful completion of various objectives and tasks throughout the year.

? The second is to seize the opportunity to seize deposits and ensure the sustained and steady growth of increment and market share.

? In order to ensure a net increase of X billion deposits and a balance of xx billion in the whole year, the whole bank should focus on implementing four working measures of capital organization in the first quarter. First, we should firmly grasp the seasonal characteristics such as the relatively concentrated income of urban and rural residents, the centralized listing of agricultural and sideline products, the return of migrant workers, and the active trading of commodities before and after the "two festivals", further improve the promotion of marketable products and counter services, win the trust and support of customers with high-quality, fast and efficient services, continuously enhance the market influence and competitiveness of individual high-quality customers, and make every effort to ensure the substantial and stable growth of personal deposits. Second, seize the opportunity of centralized allocation of funds by administrative institutions and the withdrawal of corporate funds at the end of the year, focus on customer visits and maintenance, and lay the foundation for realizing 50% of institutional customers in the county throughout the year. Third, pay close attention to the possible upward trend of the price of lead and zinc enterprises in the first quarter, do everything possible to improve the return rate of sales funds of corporate customers and ensure the return of sales funds of key customers. The fourth is to vigorously carry out "big bank, Deguang, grow with you." "Golden Key Spring Action", make full use of media such as radio and television, newspaper columns, etc., and publicize the operating advantages of wealth management products in an all-round and multi-angle way through various publicity and marketing activities such as holding bank-enterprise friendship meetings, organizing on-site services and performing arts, so as to further enhance the good image of xx Bank.

? Third, take early action to grasp marketing and strive to improve the efficiency of capital use.

? We should actively adapt to the needs of the new situation and new tasks, actively seek the breakthrough point of asset marketing of the whole bank with new vision and thinking, earnestly follow the principles of "grasping the big, expanding the middle, not letting the small go" and "doing well", and do everything possible to market effective assets under the premise of ensuring the controllable loan risk, and strive to achieve early investment and early effectiveness. First, pay attention to the marketing of big industries, big systems and big customers. Xx Sub-branch should continue to make a fuss about "South-to-North Water Transfer Mine". For xx loans that have been approved for credit, all of them should be put in place in the near future; Attach great importance to the credit demand of transportation, electric power and other industries, pay close attention to the progress of its key construction projects and implement follow-up marketing; Pay close attention to the credit needs of traditional institutional customers such as schools and hospitals, and actively try tourism and radio and television projects. The second is to vigorously market personal loan business. Vigorously market small-sum pledge loans with personal certificates of deposit, voucher-type treasury bonds and life insurance policies as rights certificates, personal housing loans with old houses and new houses as the main forms, and personal production and operation loans with shops and houses as the main forms. Make full use of the information resources of personal credit information system, subdivide customers, focus on cultivating and developing individual customer groups with relatively stable income, such as national civil servants, teachers, doctors and employees of high-quality enterprises, actively and steadily expand the relatively stable individual and private owners and customers within the service radius of outlets, such as urban and rural self-employed, large rural farmers, and rich experts, and strive to promote the steady and rapid development of personal credit business. Third, focusing on "agriculture, rural areas and farmers" and county economy, focusing on xx industrialized leading enterprises, growing small and medium-sized enterprises, operational infrastructure construction, resources and minerals, hydropower development projects, county-level quality institutions and individual customers, we will make efforts to adjust and optimize the credit structure of xx and actively cultivate new profit growth points in rural financial markets. The fourth is to further strengthen and improve the organizational guarantee system of peer-to-peer public relations and hierarchical marketing, and effectively form a full-staff marketing mechanism in which line-level leaders focus on systematic and grouped customers, department heads focus on key households, and account managers and employees comprehensively market individual high-quality customers.

? Fourth, persistently improve the quality of credit assets.

? First, continue to implement the leadership and departmental responsibility system for the collection of non-performing loans from corporate customers, carefully formulate and implement collection and reduction measures, go deep into key enterprises and large households, track the collection as soon as possible, and strive to improve the collection efficiency. Second, give full play to the incentive measures of the Head Office and branches for the collection and management of non-performing assets, and speed up the collection process. Actively follow the principle of "three benefits", while resolutely safeguarding the loan creditor's rights, do a good job in the collection and disposal of non-performing loans in a timely and effective manner. Third, innovative measures for the collection and disposal of non-performing loans. Adhere to the principle of monetary collection, supplemented by entrusted agency collection and management responsibility collection, establish and improve the market-oriented collection and disposal mechanism, and speed up the repayment of non-performing loans of natural persons. Strengthen and improve the assessment and incentive mechanism, and constantly stimulate the enthusiasm and creativity of all employees. At the same time, strictly control the risk of new loans, seriously implement post-loan management projects, and ensure that normal loans are recovered on schedule.

? Five, efforts to broaden income channels, accelerate the pace of development of intermediary business.

? It is necessary to firmly grasp the favorable opportunity of the peak of urban and rural residents' mobility around the "two festivals" and constantly increase publicity and marketing efforts. First, act as early as possible and insist on doing a good job in insurance agency. On the basis of in-depth analysis of the experience and lessons of insurance agency work in the past two years, we will seriously study new marketing methods and measures to lay a good foundation for the marketing of insurance agency business throughout the year. Second, relying on business outlets and front-office business departments, we will continuously improve the service mode and quality, further increase the marketing of bank cards, and ensure the sustained and steady growth of bank card fee income. Third, do everything possible to expand all kinds of agency business. While doing a good job of acting as an agent for other banks, paying salaries, collecting utilities and communication fees, we will actively expand tax collection and management, act as an agent for finance, social security funds, financial institutions, enterprises and institutions, continue to do a good job in the marketing of funds, government bonds, banks and stock exchanges, and constantly expand the income channels of intermediary business. The fourth is to increase the promotion of online banking. Actively adopt the methods of sending product information, demonstrating and promoting, reducing annual fees and production costs to large depositors, large credit lenders, large settlement households, civil servants with stable jobs and high incomes, etc., to comprehensively market online banking, and strive to improve the scale and efficiency of online banking.

? Six, strengthen the construction of a clean government, security and ideological work of workers.

? Strictly implement the rules and requirements of the Party Committee of the head office and branch on honesty and self-discipline, resolutely ban the research activities in the system during the "two festivals" and oppose the bad atmosphere such as extravagance and waste. Adhere to the "first-in-command" responsibility system of "share reform, management and safety", strictly guard against death, and ensure that there are no problems during the "two festivals". Seriously carry out a major safety inspection, especially for key parts and key links such as gun management, vault prevention, computer system management, and printing charge vouchers, and insist on regular or irregular inspections and spot checks; In strict accordance with the regulations, do a good job in pre-planning drills for riot prevention, fire fighting and computer accidents, and further improve the ability of all staff to deal with emergencies. Constantly strengthen the investigation of suspicious and hidden dangers, take decisive measures in time, take precautions in advance, effectively nip all kinds of situations in the bud and ensure the property and personal safety of the whole bank. Make full use of various forms of "send warm" activities during the festival. Earnestly do a good job in condolence work for retired employees and employees in difficulty, do our utmost to help employees in difficulty solve practical difficulties in their work and life, and earnestly let employees feel the care and warmth of the organization. Effectively strengthen the political and ideological education of employees, further stimulate the entrepreneurial enthusiasm of all employees, strengthen the bank's determination and confidence in the bank's reform and development, and actively guide employees to understand, support and participate in the reform and development of xx Bank, so as to lay a solid foundation for fully fulfilling the objectives and tasks throughout the year.

Bank employee work plan 3

? First, actively take measures to stabilize existing customers and business resources.

? Stabilize the bank's loans, actively seek a way out for the abundant funds of enterprises, make a comprehensive, objective and feasible investment and financial management plan for enterprises on the basis of making up the losses caused by the return of loans by issuing bank acceptance bills as much as possible, guide the capital flow of enterprises, and strive to ensure and seek the operating interests of our bank to the maximum extent.

? Second, pay close attention to the situation and strive for enterprise annuity custody business.

? Continue to pay attention to the business development of the enterprise, report the progress of the group annuity business to the municipal branch in a timely manner, fully cooperate with the municipal branch to carry out the marketing of the group annuity business, and strive to successfully handle the enterprise annuity business of the Bank during the year.

? The third is to visit sales outlets and increase the total amount of funds returned.

? —— The sales network of the Group is all over the country, and the annual fertilizer sales task is nearly 654.38+0.2 billion yuan. Therefore, accelerating the withdrawal amount and speed of sales funds has become the top priority of our company's deposit work. Next year, our sub-branch will visit large-scale sales branches in Henan, Hebei and Shandong 19 together with relevant heads of group companies, so as to unblock the channels for withdrawing sales funds from the above branches, fundamentally solve the problem of withdrawing funds from our bank, increase the total corporate deposits of our bank, reduce financing costs and improve operating profits.

? Fourth, strengthen the management of syndicated loans to prevent and resolve financing risks.

? Continue to organize relevant professionals to conduct special study and research on syndicated loan business, improve business management processes and operation methods, strengthen information communication with enterprises and participating banks, establish and improve information communication mechanism and risk early warning system, and effectively prevent and resolve financing risks.

? Fifth, adjust the management structure and build a new pattern of diversified management.

? Strive to increase the proportion of non-credit profitable assets. Actively cultivate customers' financing needs in accordance with the principle of controllable risks and positive stability. Highlight the adjustment of debt structure, minimize operating costs and improve capital efficiency. Adjust the income structure, vigorously develop intermediary business, establish the linkage effect of intermediary business, asset business and liability business, make use of diversified business varieties and high-quality and efficient services, increase marketing efforts to high-quality customers, strive for market share and improve operating efficiency.

? Sixth, fully promote the development and growth of personal financial business.

? According to the development requirements of business model transformation and business interest structure optimization, it is the focus and center of work to fully promote the development and growth of personal financial business:

? First, establish a "big money" pattern, focus on improving low-cost deposits, expand and enrich personal financial business, and increase its proportion in bank operating efficiency;

? Second, accelerate the development of personal wealth management business, consolidate and expand the high-end and high-quality individual customer base, and steadily increase the income of intermediary business;

? Third, attach importance to and vigorously carry out personal assets business and take effective measures to make its business scale reach a considerable level and have a preliminary development foundation.

? Seventh, strengthen team building and comprehensively improve the comprehensive quality of cadres and workers.

? Strengthen job rotation, improve personnel training and job rotation training mechanism, explore more flexible and effective education and learning methods in combination with the new situation and new tasks of the bank's share reform, and effectively carry out various education, learning and training activities, so as to significantly improve the overall personal quality and ideological status of employees in the bank, fully enhance their work enthusiasm and improve their work enthusiasm. Promote the faster and better development of bank management and business work, and adapt to the new requirements of posts under the situation of bank shareholding system reform.

? The eighth is to build internal control culture and strengthen internal control management.

? Starting from the four aspects of internal control management: learning, reform, investigation and teaching, we stress methods and seek practical results, and constantly intensify efforts to carry out various internal control management work and case prevention activities in depth: First, "learning". Pay close attention to the internal control management learning activities of employees of the whole bank. Take internal control related documents, leadership speeches and meeting spirit, rules and regulations, management measures, etc. As the main study content, we should conduct collective study once a week and concentrated study once every two months to ensure the learning effect; The second is "change". Further actively find loopholes, analyze the reasons, formulate rectification plans, and conscientiously implement rectification; The third is "check". Focusing on the construction of internal control mechanism and repeated investigation of problems, we will carry out regular self-inspection activities seriously, deeply and strictly to deepen the construction of internal control mechanism; The fourth is "teaching". Strengthen the internal control management education activities for employees, so that employees can constantly establish a correct concept of internal control and form a sense of internal control in place, thus deepening the construction of internal control culture.

? Each unit room:

? In order to improve the performance ability of county sub-branches and achieve good results in the performance appraisal of superior banks, the sub-branches have formulated the working goal of 20 10-20 10 in combination with the actual situation: striving for outstanding units in central sub-branches. The working idea of the sub-branch in 2000 is to lay a solid foundation, strengthen management, promote innovation, enhance capacity, promote harmony and reach a new level. The 20-year work plan is hereby issued, please implement it carefully and adjust it in time according to the superior deployment.

? First, financial performance evaluation

? (1) On the basis of performance appraisal of branches, it is obviously not comprehensive to strengthen performance management of business lines and evaluate performance only from one bank or one person for one year. It is necessary to compare and analyze a bank from multiple angles with financial data or financial ratios. Such as: trend analysis, structure analysis, peer comparison analysis, etc.

? 1, which mainly compares the financial statements of a bank for several years in time series.

? 2, a project, in accordance with the provisions of the classification of signs, is divided into several components, calculate the proportion of each part in the whole, and see its impact on the whole from the proportion of parts and the whole.

? 3. Compare the average financial status of a bank with other banks or the same industry.

? Various methods can be used in combination. For example, comparing the structural percentage statements of the Bank in different years item by item is a method associated with trend analysis.

? (B) How to improve the automation of financial management information system

? Therefore, how to use the latest information technology, integrate new management accounting ideas and strengthen management functions such as budget management, fund management and financial analysis has become the main goal of financial management informatization.

? Total management aims at optimizing the overall resources of the enterprise, completely allocating, measuring and recording all business resources and business activities related to the financial status of the bank, and carrying out detailed accounting, statistics, analysis and assessment, so as to realize the unified management of capital flow, information flow, value-added flow and workflow. According to the needs of management and control, all economic activities and business data can be searched, compared and analyzed from different angles and levels, and an evaluation system of financial status and operating status of different types of enterprises can be established to provide support for management decision-making and improve the competitiveness of banks in a complex and ever-changing market environment.