If you are a credit card holder of our bank, it is suggested to increase the credit card limit or apply for e-loan;

For example, the maximum loan amount of "e-loan" is 300,000 yuan and the minimum loan amount is 1 1,000 yuan; Your specific limit will be verified according to your business situation in our bank. You can check it after your application is successful.

Log in to Pocket Life Client-"Card Finance"-"I want to borrow money" and apply here. Please refer to the audit results.

Second, what is an offline credit customer?

Credit refers to the funds directly provided by commercial banks to customers of non-financial institutions, or the guarantee of compensation and payment liabilities that may occur to customers in related economic activities, including on-balance-sheet businesses such as loans, trade financing, bill financing, financial leasing, overdraft and various advances, as well as bill acceptance, letter of credit opening, letter of guarantee, standby letter of credit, letter of credit confirmation, bond issuance guarantee, loan guarantee, sale of assets with recourse and non-use. Simply put, credit extension refers to the behavior that banks directly provide financial support to customers or guarantee customers' credit in related economic activities to third parties.

Credit is divided into short-term credit and medium-and long-term credit according to the term. Short-term credit refers to credit within one year (including one year), and medium-and long-term credit refers to credit for more than one year.

Offline credit customers refer to customers who apply for a credit line from the handling bank in the traditional offline way. After the credit line is approved and issued, the customers will initiate specific business through the corporate online banking channel and realize the loan after the approval of the corporate credit information system.

The application targets are mainly high-quality corporate customers with bank settlement transactions, more capital deposits and greater comprehensive contributions.

3. I am from Tun Town, Wang Hao, Mudan District, Heze. I need a loan of 5000 yuan to buy a computer and pay it back in three months. What should I submit to apply for a loan? Loans from rural credit cooperatives.

This needs to be mortgaged. You don't need to find a bank for 5000 yuan, do you? It is almost enough for relatives and friends to borrow some from each other. If you really want to make credit loans and secured loans in agriculture, and you want to register a natural person with good reputation and full capacity for civil conduct, but the amount is relatively trustworthy, you must first prepare your marital status certificate, ID card and household registration book of relevant departments, and then go to the credit union to find a loan officer to apply for a loan. The loan officer will conduct a pre-loan investigation to determine whether a person is a permanent resident in the area. Income, expenditure, loan purpose, loan amount, past personal credit records, family situation, etc. If he thinks you meet the requirements of credit loan for small farmers, then he will handle the loan for you. Guaranteed loans are different, such as farmers' guaranteed loans, farmers' mortgage loans and employee guarantees, but there are still a few that are basically not used. Personally, I suggest not to apply for this loan, because after such a loan is applied, you will not only have to bear the debts in your own name, but also be prone to problems. Mortgage loan means that you can borrow from relatives and friends without the right to dispose of it, but the private house is allocated according to the proportion of collateral value. For example, if your collateral is worth 500,000 yuan, the loan granted to you by the credit union can't generally exceed 250,000 yuan, and the procedures are relatively complicated and the additional fees are high. It is the way to use your own or borrowed passbook or share capital to get the credit union as collateral. The advantage of this kind of loan is to do too much pre-loan investigation. However, if you can borrow a passbook, you should also be able to borrow money. Employee-guaranteed loans are loans issued with capital as a guarantee, but the prerequisite is that they can be guaranteed. Those who meet the requirements should be government workers and employees of some institutions. This kind of loan runs faster than mortgage and pledge, and the additional cost is not high. As long as the loan officer can confirm that the guarantor is qualified, he will handle the loan for you. Another is that both the pledgor and the guarantor should prepare the ID card account book, and for both husband and wife, the above-mentioned personnel should be present at the office.

IV. Summary of Bank Credit Work

Model essay on the summary of bank credit post work (6 general theories)

A period of work ended before you knew it. Looking back on this period, our working ability and experience have been improved. It's time to sum up our past achievements in the work summary. So, have you mastered the format of work summary? The following is a summary model essay (6 general essays) of bank credit work compiled by me for your reference only. Welcome to reading.

Summary of bank credit post work In the past year (1), under the correct leadership of the credit cooperatives, I served as the director of the credit cooperatives, mainly doing a good job in credit management, which is embodied in the following aspects:

First, improve the comprehensive quality of credit personnel and effectively avoid credit risks.

The quality of employees is the key to prevent and resolve non-performing loans, especially a high-quality credit management team is needed. First, strengthen the professional ethics education of credit personnel, improve their sense of responsibility and professionalism, and make the prevention of credit asset risks become the conscious action of credit personnel, so as to achieve the purpose of preventing moral hazard of credit managers. Second, we should strengthen the professional quality training of credit personnel. Credit managers need to have and master a variety of knowledge, not only proficient in credit business, familiar with the loan operation process, but also master the financial knowledge of enterprises. The existing professional quality of credit managers is far from meeting the needs of business development. Credit managers should be trained and assessed in various ways to prevent the risks caused by poor ability of credit managers. Third, it is necessary to urge loan officers to grasp all laws and regulations in time, especially some basic laws and regulations closely related to the quality of credit assets, such as the Commercial Bank Law, the General Principles of Loans, the Guarantee Law, the Bankruptcy Law and the Civil Procedure Law. Mastering and using legal weapons is an urgent requirement of the times for credit personnel.

Two, combined with the actual situation, formulate a management mechanism with clear rewards and punishments and equal rights and responsibilities.

According to the actual situation of the credit union, with the consent of the credit union, the management mechanism of "three guarantees and one hanging" was introduced to the credit staff of the credit union in time, and an appropriate proportion of the interest income was taken as the income commission of the credit staff, which significantly increased the reward and recognition for those who contributed to lending, collecting loans and collecting interest, widened the income gap of the credit staff and improved the work enthusiasm of the credit staff. At the same time, clear the early warning point of the responsibility loan. When the non-performing loans in the credit personnel's responsibility loan exceed a certain amount, we will resolutely change from the credit position or even the position of the person in charge to prevent the loan quality from continuing to deteriorate and the non-performing loans from continuing to increase due to personal reasons. Through one year's practice, the expected effect has been achieved. Non-performing loans in the whole society decreased by 520,000 yuan compared with the beginning of the year, and the loan interest recovery rate reached 100% for the first time. The annual income of loan officers is about 5000 yuan higher than that of ordinary employees, which can be said to be a win-win situation for both the collective and the individual.

Three, clear the credit responsibility of each link and post, to prevent the responsibility from hanging and unrealistic concentration.

For each loan, especially for large loans, it is necessary to clearly stipulate the responsibility ratio of investigators, members of secondary decision-making bodies and post-loan managers, which not only puts an end to the unrealistic practice of focusing the responsibility on investigators, but also prevents the phenomenon of "collective collection", so as to truly precipitate the loan responsibility and ensure that people in all positions and links can perform their duties and responsibilities. Non-credit post personnel do not have business skills related to credit management and should not be responsible for loans. Loans introduced, guaranteed or even undertaken by internal employees are treated equally with other loans, and are reviewed in strict accordance with regulations, and the responsibility for collection should also be borne by credit post personnel.

Fourth, strengthen the reasonable incentives for credit personnel and standardize their work processes.

Maintain a relatively stable team of credit officers, so that they have enough time to familiarize themselves with various situations, and provide smooth communication channels for credit officers to listen to their opinions and suggestions.

Five, control the working process of credit personnel.

The key point is to standardize and order the work flow of credit personnel, improve the various elements of loan contracts, make them legal and compliant, and put an end to eating, taking, card and demand in the process of credit. The training is targeted. In addition to teaching laws and regulations to loan officers, credit cooperatives also conduct special studies according to different situations. Through training, the working skills of credit officers, their understanding and recognition of the management regulations of rural credit cooperatives, and their loyalty and confidence in credit cooperatives have been effectively improved. Classified incentives, survival of the fittest. Instead of "one size fits all", we should formulate corresponding incentive measures according to the actual situation and create a competitive atmosphere in which you chase after me. Anyone who is not competent for credit work or can't complete the task will be removed from the credit post by the last elimination system.

Sixth, strictly invest in loans: lending is not excessive.

Credit personnel are required to take "accurately putting in every loan" as the criterion of credit work. Therefore, my business orientation is: based on "agriculture, rural areas and farmers", serving urban and rural areas, acting as a lever to achieve "win-win". First, focus on promoting micro-credit for farmers. Second, support rural economic restructuring.

Seven, strict implementation of the system.

In practical work, the system of "pre-loan investigation" and "post-loan return visit" is strictly implemented. Every quarter, I will spot-check the loan operation of the loan households and make records every time. Through the return visit after the loan, I know the loan situation of the whole society like the back of my hand, and recover the risky loan in advance in time.

Eight, handle the "three relations"

The first is the relationship between credit risk and asset utilization. The income of credit cooperatives' loan business comes from the difference between capital cost and loan interest, so I will give priority to the relationship between credit risk and asset utilization of credit cooperatives.

The second is the relationship between loan marketing and strict management. At present, while increasing effective credit input, the occurrence of new non-performing loans is strictly controlled. Do a good job in loan investment, make good use of credit increment, put an end to illegal loans and "large households" and block the source of non-performing loans. Effectively implement the "three checks" system of loans, strengthen credit supervision and management, strictly approve the loan system and operating procedures, and standardize credit behavior. At the same time, all credit officers are required to reasonably determine the loan term according to the characteristics of agriculture, countryside and farmers and the actual needs of enterprises and farmers' production and operation, and shall not extend or shorten it at will, which truly reflects the loan occupation pattern.

The third is the relationship between accountability and incentive policies. Establish a reasonable incentive and restraint mechanism, punish those who cause loan losses, and reward those who make correct decisions and bring good economic benefits. We will earnestly improve the assessment methods of only penalizing but not rewarding in credit management, and mobilize the enthusiasm of credit personnel in issuing, managing and recovering loans.

Summary of bank credit work 2 Time has passed quietly, and I have been working for almost three months. As a micro-credit officer of rural credit cooperatives, I have deep feelings. I want to talk about my thoughts and thoughts on business work. First of all, let me talk about my personal work attitude. This job is my first job after graduating from college, so I regard it as a treasure. From training to work, I often hear many people say that this work is too hard, too tired and the rural environment is too bad. However, for me who was born in the countryside, it is actually a trivial matter. Some people say that the salary is too low, but my eyes are not that shallow. What I see is the future stage, not the present treatment. Now I really like this job, because here I can see the value and dream of realizing my life.

In the course of work, I found that this job is not only as simple and easy as lending money, but also requires us to learn a lot. For example, if you do something, you will always have experience and lessons. In order to facilitate the future work, it is necessary to analyze, study, summarize and concentrate the experience and lessons of the past work, and rise to the theoretical level to understand.

First, learn to judge people.

Because we are doing credit loans, if you make a mistake in the first step, I'm afraid it will be difficult to achieve your expected results by saying more good things when collecting loans in the future. The people who are most afraid of collecting money are those who have money but are unwilling to pay it back, not those who really can't afford it.

Second, we must learn to cultivate and retain customers.

We are in business, and our customers are our gods. How can we catch our gods? One of the principles of loan risk control

Third, learn to manage.

We have many customers. If you don't have good management skills, then your problems will come, which will make you upset and depressed. First of all, you should learn to allocate your time reasonably so that you can work better. Although your time depends on borrowers, and there are many borrowers, you can't satisfy all borrowers, so we should learn how to manage our borrowers well. One more thing, you must learn to manage accounts, because the financial business we do involves money, and people are most serious about money. We must not be careless. We should manage our bills carefully and be responsible to the lenders, credit cooperatives and especially ourselves.

Fourth, learn to be a man.

Extremely enterprising spirit, so that the credit union is my home. Going to the credit union is as happy as returning to your warm and harmonious home. Facing customers, we should do our job better, show our excellent service attitude and professional quality, and make borrowers feel at home. Also, we should learn to pay a return visit to our customers from time to time. Our business is not finished with a loan, but with a loan, so we should keep good contact with the lenders, have their latest harvest information and their ideological trends, so as not to be passive. If we do these things well, I believe that the business volume will rise linearly in the future, and the recovery rate will be 100%.

Fifth, professional knowledge, working ability and specific work in the future.

1. Under the guidance of leaders, the procedures and direction of work were clarified, the working ability was improved, and a clear working idea was formed in specific work. After working as a microfinance officer, I deeply feel that my business responsibility is great. As the window of the company, my words and deeds also represent the image of the company, so I should improve my own quality, set high standards for myself and strengthen my professional knowledge and skills.

2. Seriously, timely and efficiently complete the specific work assigned by the leaders and team leaders of your club. In order to carry out the work smoothly and coordinate with the credit cooperatives, we should not only do our own job well, but also actively cooperate with other colleagues in the credit cooperatives.

3. Work attitude and diligence. Love your job, be able to treat every detail of your job correctly and seriously, serve farmers enthusiastically, observe labor discipline seriously, ensure attendance on time, and stick to your post.

Summing up the work in the past three months, although there has been some progress, there are still many shortcomings. For example, there are not many creative work ideas, individual work is not perfect enough, and there is too little information about business customers, which needs to be improved in future work. In the days to come, I will seriously study various policies and regulations, strive to raise the work efficiency to a new level in an all-round way, and make more and more contributions to the development of your club.

How time flies! It will be the end of the year in a blink of an eye. Today, I just worked in our bank for X months. During this period, there were joys and sorrows, achievements and mistakes. In our young and United group, I have learned a lot and felt a lot. I think only in our special xx post can I understand what growth is. 20xx years have passed, and now I want to do this year's work.

I. Work Performance Report

From knowing nothing about xx to being able to independently complete a survey, learning step by step and accumulating bit by bit, as of today, I have issued a total loan of X million yuan, X transactions, X marketing customers and no overdue customers. Although there is still a big gap between this achievement and my leadership assessment and my own requirements, I am glad that I can start from scratch and start from a very basic place, which will be a reference for my work next year.

Second, review the work that has been done.

I am honored to be the first batch of xx account managers of our bank. Of course, as the first batch, I have to work harder and harder. /kloc-The xx training started in October made me realize the particularity of xx work. I don't think all bank jobs are in the office. On the contrary, xx account managers shuttle through the streets and high-rise buildings in the city. Xx is not only knowledge but also technology, with rigorous thinking, effective communication and keen judgment. I systematically use a questionnaire to restore the basic situation of customers. With the help of the training teacher, I have basically mastered xx technology and can independently complete the investigation within X million yuan. However, it will take three to five years to master this technology and become a mature account manager. After we passed the three-week training in xx, we returned to xx in the middle of X and began to investigate the xx market. In the form of customer questionnaire, we have a general understanding of the financing needs and basic situation of individual industrial and commercial households and small enterprises in the streets of xx city, which has laid a certain foundation for the launch and marketing of our xx products. /kloc-After the publicity page of xx was printed in October, we went to the market again. Don't miss every small shop and stall, let our bank's xx products appear in the xx market in the fastest time, and the effect is also remarkable. Customers come to our bank to consult and apply for loans. In X month, we began to work formally, which is also the time when we began to apply theory to practice. At first, when we faced our customers, we didn't consider the relevance of the details. We have a superficial understanding of the characteristics of various industries, weak ability to judge the information provided by customers, and lack of communication with customers. With the patient guidance and help of our training teachers, these conditions have improved now. The investigation slowly began to have ideas and methods suitable for us, and the data were repeatedly checked. However, I still have a lot of knowledge to learn and many problems to solve.

Third, the problems existing in the work

In the past x months, although my work has made some progress, I have clearly seen my own shortcomings. First, study is not enough. In the face of different situations in the industry, it is inevitable that our account managers who are new to the credit industry do not have a comprehensive understanding of the industry and have an inaccurate grasp of customers. I must study more in my future work, not only summing up in my work, but also learning from my colleagues online. Second, customer resources are not enough, and customers are fundamental. Only by improving the quantity and quality of customers can we improve our performance. At present, the customer resources I have are the membership list of xx Trade Association and the downstream list of some loan customers, but these are far from enough. We must dig deep into customer resources and make specific marketing plans according to different industries and markets. Third, improve your work initiative, be down-to-earth, do more and talk less, improve and improve yourself in practice, improve working methods, and greatly improve work efficiency.

Fourth, look forward to 20xx.

20xx will be a brand-new beginning. I set the target of my total loan as 10000 yuan, and increase it by 10000 yuan on the basis of doubling in 20xx. I didn't set my goal too high, because I know that no matter what I set myself, I will make the same effort. I hope I can reach my goal, surpass my goal and achieve an ideal result next year.

Summary of bank credit work 4 It has been nine months since I transferred from xxxx Bank to xx Bank in February. Looking back on the work in the past nine months, with the support and help of the branch leaders and colleagues, I have been strict with myself, followed the pace of the branch leaders, and completed my work well according to the requirements of the branch and around the work priorities of the branch.

Through one year's study and work, my working mode has made a new breakthrough and my working style has also changed greatly. At the end of the year and the beginning of the year, I meditated on my work and life this year and gained a lot.

The work of the past year is summarized as follows:

I used to be engaged in credit work in xx Bank, and I have accumulated a lot of credit experience, but the customer groups faced by xx Bank and xx Bank are different. Xx Bank mainly targets at small and medium-sized enterprises and individuals, so it is different from xx Bank in loan investigation and audit. Therefore, in the past year, I worked hard to learn the relevant business knowledge of xx Bank, learned from books, learned from colleagues and visited enterprises during the day. Understand the market, expand business, work overtime on weekends, write loan investigation reports, be familiar with all kinds of documents of the head office, participate in all kinds of trainings of sub-branches and learn all kinds of business knowledge. In addition, I will enter the intermediate accounting qualification examination next year and strive to improve my comprehensive quality in my spare time, so I feel that I have made a lot of progress in the past year.

After continuous study and accumulation, I have learned a lot of credit work experience, and I have been able to handle all kinds of problems in my daily work with ease. After nearly a year of training, my comprehensive analysis ability, coordination ability and written and oral expression ability have been greatly improved. Be able to treat all tasks assigned by sub-branches with a correct attitude, love their own work, be proactive, have a strong sense of professionalism and responsibility, and strive to improve work efficiency and quality. And self-strengthen work consciousness, pay attention to speed up the pace of work and improve work efficiency.

Over the past year, I have gradually grown and matured in my study and work, but there are also some problems and shortcomings, mainly in the following aspects: First, I am impatient at work and sometimes eager to achieve success, which affects the progress and quality of my work; Second, some work is not meticulous enough, and some work is not well coordinated.

In the new year, I am determined to seriously improve my business and work level and contribute to the leap-forward development of the branch. I think I should try my best to strengthen my study and broaden my knowledge. Study hard the professional knowledge of credit and related legal knowledge. Strengthen the understanding of the development context and trend of all branches, correctly grasp the relationship between development and risk, abide by the internal rules and regulations of branches, safeguard the interests of branches, actively create higher value for branches, and strive to achieve greater results.

Overview of bank credit work: 20xx is a historic year for the development of rural credit cooperatives in Daguan County. Successfully implemented the teller system and passed the transition period, developed modern payment system, rural credit bank and other businesses, and achieved the expected results. 20XX years, for me personally, is also a year of hard work, a year of adapting to changes, a year of clearing my mind and accelerating development. This year, I did credit and bookkeeping in Shoushan Credit Cooperative. No matter where I work, my leaders and colleagues have given me a lot of help in my work and study, which has made me make great progress. There is also a lot of work worth summarizing in the past year:

First, be strict with yourself and constantly improve yourself in learning.

After working for several years, I often sigh that our club is really full of talents, and many outstanding comrades are persistent and dedicated in the ordinary, and their business development is surging. It is better not to study for a day than not to eat meat for three days. The situation is urgent. Therefore, I pay attention to improving my comprehensive quality and professional level, and enhance my awareness of obeying rules and discipline and professional ethics. Only in this way can I keep pace with the times. This year, I mainly studied the operating rules, credit training, quality and civilized service standard manual, credit card regulations and other rules and regulations of the teller integrated business system, and I can also learn from practice and colleagues.

Two, I can seriously study the relevant financial laws and regulations, learn the relevant business rules and business knowledge of credit cooperatives.

Improve professional quality, strengthen honesty and self-discipline education, be loyal to their duties and act according to law. At the same time, we should regularly study the spirit of the relevant documents from higher authorities, and strengthen our own business habits and self-discipline education, legal education and safety awareness education.

Third, the work:

(A) in the loan, pay close attention to loan risk management.

Further control the credit risk, strictly investigate, review and approve the procedures before lending, clarify the scope and requirements of the pre-lending investigation of credit personnel, and ensure that the credit investigation materials are true and effective. Strictly control credit risk, strictly implement the credit risk prevention and control management system, fully implement the separation of loan review, standardize the loan review meeting, and clarify the responsibilities of the main responsible persons in each link. Carry out the post-loan inspection work in a down-to-earth and meticulous manner, and regularly and irregularly inspect and analyze the operating conditions and collateral of the enterprise. Do a good job in the five-level classification of loans, formulate specific implementation rules for the five-level classification operation, unify customer classification, and improve the quality of credit management.

(2) Strengthen credit marketing, continuously expand business space and accelerate the pace of business development.

Our agency pays special attention to the cooperation between banks and enterprises and coordinates the relationship between banks and enterprises. According to the development of the form and the needs of practical work, actively carry out investigation and research, exchange information with enterprises, strengthen understanding and cooperation, negotiate solutions to problems, increase support for enterprises, and build a new relationship between banks and enterprises. Further improve the understanding of credit marketing, constantly promote the construction of civilized credit projects, maximize market share, establish a stable customer base, increase marketing efforts to private economy and individual residents, select individual enterprises and urban residents with good credit and strong repayment ability as credit marketing targets, combine credit marketing with the construction of civilized credit ecological environment, and build a unique credit marketing brand of credit cooperatives through civilized credit creation activities such as credit villages and villages, effectively supporting the adjustment and adjustment of farmers' agricultural industrial structure.

(three) vigorously revitalize the credit funds, actively recover overdue loans, and strive to raise the loan interest rate.

The farmers in this town live in scattered areas, with many points and long lines, covering a wide range, and the work is extremely difficult, but I can overcome my fear of difficulties. "Effectively implement the internal credit post responsibility system of" guarantee loans, guarantee collection, guarantee management and guarantee benefits ",increase the sense of responsibility of credit personnel, adopt flexible and diverse methods, and actively collect loan interest receivable.

IV. Next Work Plan

In the second half of the year, I will seriously make up for my own shortcomings, study business knowledge seriously, improve my own quality, do my duty, obey the leader and be a good assistant to the leader. First, strengthen communication and understanding with leaders and colleagues; Secondly, we should change our ideas and know the arduousness, complexity and diversity of the problems existing in the financial work of credit cooperatives in time. Earnestly study financial accounting knowledge and improve accounting business ability. Earnestly study legal knowledge and various rules and regulations, strive for progress, and make due contributions to the completion of various objectives and tasks in the second half of 20XX and the development of rural credit cooperatives in Daguan County.

In short, in the past six months, with the care and help of leaders and colleagues, I have made great progress in all aspects and my business ability has been greatly improved. Although there are still many shortcomings in some aspects, such as insufficient understanding of financial accounting and the reform of credit cooperatives, I believe that with the care and help of leaders and colleagues, I will do better.

Summary of bank credit work 6 1. Develop small business loan business.

This month, our sub-branch issued 0.0000 yuan for small business loans, and recovered 0.0000 yuan, an increase of 0.0000 yuan in real terms. At present, the loan balance is 39.85 million yuan, with a net increase of 10 million yuan. The recovery of loan principal and interest is normal, and the loan is normal.

Second, the business development process

1. Our existing customer XXX Co., Ltd. applied for credit business of RMB 3 million, and the current information has been submitted for approval;

2. I visited some enterprises in Industrial Park A and Industrial Park B, and the marketing effect was not obvious. I followed up with some enterprises with loan intentions.

Complete the post-loan inspection in March and February.

Third, the next step arrangement and plan

1. Follow up the marketing work of enterprises with loan intentions, understand the loan situation of customers in other banks, analyze the advantages of our products, and accurately market customers.

2. Continue to increase marketing efforts, including telephone marketing and door-to-door marketing, and vigorously develop new customers.

3. Deepen the communication with the enterprises in the park, understand the relevant meeting activities of the park management committee, strive to participate in the recommendation meeting held by the park, and expand new customers.

4. In-depth marketing of existing customers, marketing of upstream and downstream enterprises of existing customers, and expanding the contribution rate of existing customers.

5. In-depth communication with enterprises in the liquor industry park, and strive to establish the liquor industry in this business circle as a mutual loan project of the bank.

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