The summary report of the bank supervisor's work flashed, and a year passed in a blink of an eye. Looking back on the past year, our department mainly focused on the following key points:
1, timely adjust the credit structure, and then adjust the deposit structure.
2, grasp the governance to reduce costs, tap the potential inward, and tighten spending.
3. Prevent risks, pay attention to quality and strictly control the quality of credit.
4. Deepen standardized governance and operate legally.
5. All staff learn to improve the overall professional quality and service quality.
The specific work is as follows:
I. Business Development and Marketing Work
In the past year, focusing on the basic idea of credit governance in 20xx, focusing on the deepening year of standardized governance, strictly controlling and preventing credit risks, implementing national financial policies and regulations and the instigation spirit of market banks, enhancing the awareness of market-oriented operation and governance, continuously adjusting and changing the operation and governance mode of credit business, and improving and perfecting the effective governance system of balanced development of business and quality, the development of credit business mainly carried out the following work:
(1) Consolidating and opening up, and vigorously developing credit business.
1. Stabilize existing customer resources with excellent and perfect services.
First of all, we attach great importance to our existing customers. According to the characteristics of major customers, a major customer group led by the account manager was set up, focusing on customers and services, effectively controlling risks and giving priority to ensuring its various businesses. For long-term and stable small and medium-sized customers, under the condition of standardized operation, we should always keep close contact with customers in time and establish a humanized credit culture. When necessary, personally go deep into customers with the account manager to understand the business situation of the enterprise, provide positive financing solutions for the enterprise, and provide necessary protection for stabilizing customers.
Secondly, provide customers with quality services. The actual situation of the sales department is that there are many big customers, and they undertake the management and service of big customers, with a large amount of settlement and great difficulty in management and service. Faced with this actual situation, our department took the lead in trying to establish the governance and service model of billing platform in xx banking system. Practice has proved that this mode greatly improves work efficiency and effectively controls business process risks, which is of great significance. At present, this mode has been recognized in xx line system.
2. Prevent risks, standardize operations and constantly explore new business growth points.
Under the conditions of risk prevention and structural adjustment, our department strives to explore new business growth points. First, we made use of the flexibility of our business, constantly explored the customer market, and actively publicized our business characteristics and advantages to our customers, and achieved good results; Secondly, broaden our thinking and strive to develop credit business to the upstream and downstream customers of the credit subject. The increase of credit customers has provided a new growth point for the sustainable development of our credit business.
(b) Strengthen governance, reduce risks and realize comprehensive benefits.
1, the same familiarity, has defined the development direction of credit business.
With the introduction of various national macro-control policies, the customer groups we face have also undergone great changes and the situation is complicated. Faced with this situation, our department often reminds and admonishes all account managers to keep a clear head and a steady work style. Thought guides action. Similarly, in order to be familiar with it, all credit personnel are often organized to learn some relevant documents and rules and regulations of the superior bank, and everyone is required to conscientiously implement the 20xx credit guidance and 16 opinions on credit business management of xx Bank.
In order to standardize operations and prevent risks, our department has strengthened the adjustment of assets and liabilities. In terms of asset business, our department stopped its irregular business. Compared with the beginning of the year, although the deposit of our department has declined, the main reason for the decline is that in order to better implement the relevant documents of the banking regulatory bureau and the superior bank and strictly guard against credit risks, our department ended its business cooperation with Jinhua Co., Ltd., and one household reduced our deposit by 280 million yuan.
Credit investment, business transformation. Our department vigorously promotes credit businesses with real trade background, complete procedures and low risks, such as chattel pledge, warehouse receipt pledge and factory-bank cooperation, and newly develops customers such as xx chattel pledge and warehouse receipt pledge, which reduces credit risks, increases new customers and stabilizes deposits in such fierce competition in the financial industry.
2. Establish rules and regulations, and strictly implement the credit business approval procedures.
In order to facilitate credit personnel to study and start businesses, our department compiled relevant documents and rules, and formulated corresponding implementation rules according to the specific business faced by our department, such as chattel pledge system and warehouse receipt pledge system.
According to the requirements of documents related to the approval of credit projects of our bank, our department strictly implements the working procedure of discussing each reported project before reporting it. At the symposium on loan review, the participants seriously discussed the matters that need to be reported and went through the motions to help the account manager improve the credit plan and the measures to prevent risks. The serious working attitude and rigorous working style of the Credit Audit Committee of our department have been recognized and praised by the relevant departments of the superior bank for many times.
In the process of handling the billing procedures, our department separates the account manager from the billing approval personnel, and the billing platform personnel specially handle the billing procedures, thus avoiding potential credit risks.
3. Strictly implement dynamic information monitoring of credit projects.
Post-lending governance is a very important link in credit governance. In the past year, our department should blame the account manager for being able to do a good job of five-level loan classification according to the requirements of the superior bank, instead of taking this work as a statistical task. For the pledge business of movable property and warehouse receipt, our department can inspect the warehouse on time as required, and strictly handle the procedures for pledge in and out of the warehouse. In the many inspections of our department by the head office and branches, no problems appeared, which was well received by the superior banks.
(3) Building team spirit and comprehensively improving the overall quality of account managers.
Through self-study and concentrated study, our department has established a healthy atmosphere and cultivated the overall situation concept and team cooperation consciousness. First of all, it requires loan officers to have good professional ethics. Moral hazard will directly affect credit risk. Especially since this year, great changes have taken place in the reward method, which cannot be said to be a test for all credit personnel. Through the training of credit officers, our department is establishing the spirit of loving and working hard and establishing a healthy and upward atmosphere. Consciously link the profits and benefits of the whole bank with business assessment to open up and expand the market.
Secondly, it is to blame the entity account manager for his high professional and technical level, good work style and style. Our department should blame the account manager for carefully reading the book "Details decide success or failure" in combination with the actual work. Through continuous learning and incentive and restraint assessment mechanism, the comprehensive quality of our account manager team has made great progress.
Second, the settlement business
20xx is the deepening year of standardized governance activities. In order to further carry out this activity and let employees firmly establish the concept of standardized operation, strict governance, high-quality service and steady operation, our department has carried out various work in detail and accepted many business and service compliance inspections by the head office, branches and municipal banks, which has been well received. Risk can be effectively controlled in business risk control, and there is no major accounting negligence accident throughout the year.
1. Strengthen the management of basic accounting work and standardize the operation of accounting business.
By deepening standardized governance activities, we will educate employees to keep in mind the importance of standardization when operating their business. Through study and training, make employees familiar with and master the rules and regulations, post responsibility system and internal rules formulated by the sales department, and follow them in their work.
2. Strengthen internal control and governance, and constantly improve the level of governance to avoid cases.
Often carry out professional ethics education among employees, and guide employees to establish a professional ethics envelope that loves their jobs, is honest and trustworthy, loves xx, serves xx and contributes xx. And according to the Head Office's Guidelines for Internal Control System of Trade Banks and the Implementation Measures for Comprehensive Safety Evaluation of Internal Control of xx Bank, we actively find out the gaps and implement them, and formulate strict governance monitoring system and reward and punishment system, so that employees can strictly implement various rules and regulations and business operation procedures, act according to law, operate in compliance, and have no safety accidents throughout the year, ranking among the first-class banks in the special inspection of internal control system of the Head Office.
3 to strengthen professional knowledge and basic job skills training, with the city to do a good job in external publicity.
Counter business is the window of xx bank, and the quality of business skills directly affects the image of xx bank. Our department has many new employees and poor business foundation. We use all kinds of situations to train new employees in basic business, so that new employees can adapt to work and take up their posts in a short time. Due to the efforts of employees, the sales department won the first place in the group total score in the business skill competition of the city bank, and many employees achieved good results in the top three.
In 20xx, City Bank strengthened its personal business development and launched a number of personal business products, such as bumper harvest series, salary increase, and how good the home is. In order to do a good job in personal business and promote these good products, our employees use their leisure time to publicize, which effectively enhances the reputation of our personal products. Our department has also set up a financial management studio, which makes the financial management of the business department at the forefront of all branches. Handling the cash timing business of Sheng Xing extended family, the intermediate business fee is 654.38+10,000 yuan. In the whole year, the balance of individual housing loans was 85010.2 million yuan, and the accumulated sales of Harvest Series products (1-9) were 2.723 million US dollars and 749,000 Hong Kong dollars.
4, strengthen standardized service, strive for the window unit standardized service demonstration unit.
In order to effectively improve the service quality and work efficiency of the sales department and promote the fundamental change of employees' work style, our department set up a leading group to meet the standards and formulated specific plans and measures. Organize employees to learn the Notice of xx Bank's Work Style Construction and Standardized Service and the Assessment Methods of xx Bank's Work Style Construction and Standardized Service as the standards for employees' inspection and assessment, so that employees can standardize their appearance, service language, service quality and service discipline in their work. Through our efforts, we finally passed the flight inspection of the head office and won the title of model unit. This title is not only an affirmation of our work, but also a promotion and higher requirement for our work.
Three, logistics support and three prevention and one security work
There are nearly 40 employees in two business outlets and cash turnover warehouses under the business department of City Bank. Office expenses are large, flexible and complicated. We must meet the difficulties of the whole bank this year and ensure that we open our doors for business normally. In order to solve this contradiction, office managers have done a lot of work, and all the staff in the sales department have made great sacrifices, and the expenditure has dropped by more than 2 million yuan year-on-year, which has made great contributions.
In addition, under the correct leadership and strong support of the superior bank, and under the great attention and comprehensive organizational arrangements, all employees conscientiously implemented various security rules and regulations, successfully completed the security tasks of the 20xx branch, maintained the normal working order of our department, ensured the safety of property and employees, and provided effective internal guarantee for the rapid development of our business.
1. According to the safety bulletin and various safety and security documents issued by the municipal bank from time to time, timely convey to employees, publicize and educate employees' normal behavior norms, safety and security awareness and national laws and regulations, and prevent employees from violating the law.
2. Conduct regular inspections on technical and physical defense facilities in key parts of our business premises, armored vehicles, vaults, etc., so as to find problems and solve them in time. Among them, when there is a problem in the monitoring of Zhongjie Sub-branch, it will immediately report the situation to the office of the Municipal Bank, which will be strongly supported and solved in a short time. If the password device of the city bank vault fails, it will be reported to the superior leader for approval and replaced immediately, thus avoiding the serious consequences affecting the normal business of the city.
3, earnestly implement the security disaster prevention system measures such as anti-theft, fire prevention, robbery prevention and fraud prevention, improve the system in time, and do a good job of regular inspection. Check police equipment, alarm equipment and fire fighting equipment regularly to ensure normal use. Strictly follow the security regulations of the head office to ensure that the specific system of the head office is implemented.
4. According to the requirements of the bank, do a good job in the file construction of business premises, cash trucks and alarm monitoring equipment, establish corresponding files for staff in key parts, keep abreast of employees' ideological trends, control employees' ideological changes and prevent risks. Resolutely implement the provisions of the municipal bank on regular inspection and testing of monitoring equipment and alarm systems to ensure the effectiveness of preventive facilities.
5. Manage and organize the public security staff, regularly inspect and supervise their work, regularly carry out study and education activities, discuss and analyze the public security situation, improve the detailed work, and ensure the safety work is foolproof.
6, according to the requirements of the city, combined with the specific actual situation of the department, timely improve all kinds of emergency plans, on a regular basis.
Organize employees in business premises to carry out emergency drills, enhance employees' awareness of safety precautions, carefully organize arrangements, keep records of drills, and make timely improvements if any deficiencies are found.
Fourth, improve the rules and regulations and strengthen the political and ideological education of employees.
Focusing on the requirements of the superior bank to standardize services and deepen internal control and governance, our department has continuously improved various rules and regulations, refined governance, and resolutely implemented various rules and regulations issued by the superior bank in practical work, effectively ensuring the institutionalization and compliance of various businesses.
We have always attached great importance to the political and ideological education of employees, and organized various educational activities through the Party, Youth League, trade unions and other channels to cultivate employees' correct outlook on life, world outlook and values, establish the spirit of collectivism, enhance collective cohesion, and effectively promote the rapid and healthy development of business. Adhere to the activities of rewarding the superior and punishing the inferior, reward the outstanding employees who develop their business and strictly implement the rules and regulations, and punish the backward employees. Through a series of educational activities, employees' mental outlook has taken on a new look, forming a positive, United and hard-working spirit.
With party member's help and education, four workers joined the China Production Party in the whole year, and another six workers submitted their applications for membership. Party member accounts for 40% of the total number of employees, making it a pioneer in various undertakings.
The year of 20xx has arrived, and our work focuses on: continuing to focus on risk prevention, standardizing operation, constantly adjusting, being brave in pioneering, vigorously developing and popularizing low-risk financial products, striving to provide quality services to customers, and striving to fully fulfill the annual targets.
The specific plan focuses on the following aspects:
1, according to the new credit approval procedures, our department should seriously implement it and implement it in practical work. On the basis of the existing specific rules and regulations, according to the actual situation, we will further improve and perfect various system provisions to ensure the smooth progress of all work. On the basis of the credit business product manual issued by the head office, we will strengthen the study of credit business, further improve the professional quality of account managers and adapt to the increasingly fierce market competition.
2. Further fully tap the potential of existing customers, maintain the development of existing deposit base, and continue to develop new markets, so as to increase the development potential of the Bank and complete the tasks assigned by the Bank.
3, continue to strengthen the standardized service concept and professional ethics education for employees, and cultivate employees' dedication, love of xx, unity and upward spirit.
Continue to require employees to provide spiritual foundation for business development through educational activities in various situations in accordance with the standards of standardized service demonstration units of window units of the Head Office.
Take technical training, competition and performance appraisal as a long-term work to improve the professional level and service ability of employees. In the past two years, most of the top employees in the business department are exporters, and new employees account for a large proportion. In 20xx, we will make a specific training and assessment plan for this work, hoping that through learning, every employee can systematically master the accounting business knowledge and basic business post skills, truly improve the accounting quality of the business department and make the accounting work of the business department better.
The model bank supervisor's summary report was transferred to the branch as the account manager in 20xx 10 165438. During the nearly 12 months' work in the branch, I worked hard and paid attention to innovation. While my professional level is constantly improving, I have also made great progress in my thoughts. Now I will report my work summary as an account manager as follows:
On XX, XX, XX, I transferred from the branch office to the branch office as an account manager. Under the care and guidance of the branch leaders and colleagues, I became familiar with the new working environment in a short time. At work, I can seriously study various financial laws and regulations, actively participate in various learning activities organized by banks, and constantly improve my theoretical quality and business skills. Through this all-round training and study, I deeply realized the importance of my post and the urgency of business development. In my work, I combine the theoretical knowledge I have learned with the practical problems encountered by customers, dare to explore new theories and problems, and work creatively.
In my new position, my work experience and marketing skills are different from those of other account managers. Moreover, in the new working environment, the regular individuals and corporate customers of the branch are strangers, and most of the existing customers of the branch are assigned to the names of other account managers. To carry out the work, we must first increase the customer base. After taking office, I have been "diligent in words and deeds, diligent in hands and brains" to win customers' support for our branch business and increase my customer base. In a relatively short period of time, through its own high-quality service and professional financial management knowledge, it successfully marketed high-quality customers of the branch and improved their contribution and loyalty to the bank.
Since I became an account manager, I have deeply understood and felt the mission and responsibility of this position. The account manager is a business card for our bank to serve the public, and it is the hub for customers to contact the bank. The communication style and behavior shown in the interaction with customers represent the image of the Bank. I know that every word and deed of the account manager will be paid attention to by customers at the first time, so it is required that their comprehensive quality must be quite high. From the first day I took up my new job, from the initial inadaptability to the good integration into this job, my mentality has also changed a lot. At first, I felt that the account manager was very tired and had heavy responsibilities. But, slowly, I became mature, and I began to understand that this is work. It is my job to carry out daily maintenance for different customers, answer questions for customers enthusiastically and patiently, handle all loan procedures for customers quickly, and ensure customers' assets. When I have a clear purpose and work goals and priorities, everything becomes clear to me. When the customer sits in front of me, I no longer feel guilty or nervous. I can face it calmly with a very relaxed attitude and a kind smile. Now, I can quickly and clearly convey the information that customers want to know about their own problems and doubts, and I can communicate well with most customers and achieve good results, thus winning the general recognition of my work from customers. At the same time, in contact with different customers, my own communication ability and marketing ability have been greatly improved.
At the same time of work, I also found myself with many problems:
First, financial expertise needs to be further strengthened.
Facing the diversity of market economy, bank credit business has become the demand of more and more customers. How to provide professional loans and financial services for our high-quality customers needs to improve our learning ability and initiative, grasp the latest financial information in time and accurately analyze the future economic trend, so as to improve our financial professional knowledge level;
Second, for different customers, we should also strengthen meticulous and accurate management.
Dig deep into existing customer resources, conduct precise marketing according to the needs and actual conditions of different customers, and increase the income of branches.
Third, further overcome the impatience of youth and be down-to-earth.
Improve work initiative, not afraid to do more things, not afraid to do small things, improve and improve yourself in a little practice, never be complacent and arrogant because of a little achievement, but keep a clear head, keep pace with the times and create greater glories.
Due to the particularity and professionalism of the banking industry, it takes systematic training and rich practice to become an excellent employee in the banking industry. I expect to win more training opportunities in 20xx, and I hope to participate in AFP training and other financial professional training to improve my overall quality. Consolidate your business foundation, work hard in a higher and further direction, and summarize the personal work of bank account managers.
Summing up the past is to learn from experience and improve deficiencies. Looking forward to the coming year, I will be more confident, work harder, be proactive and strive for perfection, and make greater contributions to the development of our personal loan business.
Fan Wensan's Summary Report on Banking Supervision The past year has been very special and meaningful for me. In this year, I stepped into a new milestone in my life. During this year, I led all my colleagues in the Financial Planning Department, with the care, love and support of the leaders of the bank, and with a high sense of responsibility, I kept my responsibilities and developed pragmatically, pushing the development of the branch to a new level.
First, start from the foundation, pay attention to personnel quality training, and ensure the stable operation of the branch.
1. Establish and improve various rules and regulations to lay the foundation for accounting and cashier work.
This year, according to the requirements of business development and management, I revised the old responsibilities and systems, supplemented the new responsibilities and systems, defined the responsibilities and objectives, supplemented and established some new systems according to the principle of filling vacancies, which played a positive role in strengthening internal control and preventing risks of sub-branches.
Especially in view of the high error rate in July and August, xx was formulated and issued in time, which effectively curbed the spread of risks.
2. Strengthen supervision and inspection to ensure the work of accounting cashier.
On the one hand, strengthen the assessment, implement the mechanism of linking work efficiency, assess the error rate on a monthly basis, urge the problem to be rectified, eliminate hidden dangers of accidents in time and solve problems.
On the other hand, we should strengthen inspection, change the accounting check mode, and adopt a combination of regular and irregular inspections to find out the difficulties and key points in the work in time, prescribe the right medicine, and effectively prevent business risks.
3 people-oriented, strengthen the quality training of accounting and cashier professionals, and further realize the standardized management of accounting and cashier work.
In xx years, I mainly did the following seven tasks:
1. Actively provide good service, persistently provide quality and civilized service, and establish service consciousness;
2. Adhere to the business learning system, learn new documents in a unified way, list the problems and difficulties encountered in actual operation, and seek solutions through research and discussion;
3. Insist on linking assessment with economic benefit indicators;
4. Set up a settlement team based on the backbone;
5. Actively organize the teller's post examination;
6. Cultivate front-line employees to consciously develop the habit of reviewing subpoenas;
7. Conduct irregular skill competitions and knowledge competitions, strengthen the cultivation of employees' comprehensive ability, and improve the quality and efficiency of settlement work.
Second, strengthen cost awareness, standardize financial management, and strive to improve economic efficiency.
1. In order to better complete the annual financial work, I carefully prepare the financial revenue and expenditure plan in strict accordance with the financial system and other regulations, submit all financial information in a timely, complete and accurate manner, and conduct detailed financial analysis at the end of each quarter. When buying an asset, first approve the asset, and then buy it. In terms of fixed expenses, employee welfare funds, trade union funds, employee education funds, endowment insurance, medical insurance, unemployment insurance, housing accumulation fund, depreciation of fixed assets, amortization of long-term amortization assets, interest payable, etc. Accurate calculation and payment throughout the year, and charged by operating expenses.
2. Special accounts and special management shall be implemented for expenses. A special account for operating expenses has been set up in the temporary deposit account to specifically account for operating expenses, a corresponding manual ledger has been established, and a personal examination and approval system has been implemented to strictly distinguish between business operating expenses and expenses. In the use of expenses, reduce unnecessary expenses, practice strict economy, and get the maximum profit with the least funds.
The total annual expenditure of 20xx is X million yuan, an increase of X million yuan or% over the previous year; Realized income of X million yuan, an increase of X million yuan or x% over the previous year. As can be seen from the above data, the growth rate of income is twice that of expenses.
In cost management, we should strictly control the cost indicators, conscientiously implement the examination and approval system, do a good job in daily accounting treatment, and explain the use of expenses and the expenses charged according to the proportion stipulated in the financial system, so as to help leaders grasp the whereabouts of expenses. According to the head office's expense rate assessment standard for the whole year, the actual expense rate of the sub-branch was x%, saving 5 percentage points, and the total expense did not exceed the annual expense control index issued.
Third, fulfill their duties and earnestly strengthen their own construction.
While doing a good job in management, we should pay attention to strengthening our own construction and enhance our ability to control our work.
First, strengthen study and constantly enhance the principle and predictability of work.
Second, adhere to the style of seeking truth from facts, persist in resisting and opposing negative phenomena of corruption, actively help solve problems in practical work, and rely on honest attitude towards life, serious attitude towards work and scientific attitude of seeking truth from facts to promote the development of all work.
The third is to strengthen unity and cooperation and not engage in individualism.
Four. Ideas and priorities for next year's work
1, tap human resources and mobilize all positive factors.
Based on the existing personnel, according to the knowledge structure and quality of the current personnel, determine the training focus, enrich the training forms, and increase the training intensity, especially the special training for business backbones.
2. Reduce costs and promote stable growth of benefits.
First, strengthen cost management and reduce the loss of cost funds.
The second is to strengthen settlement management and maximize available funds.
The third is to allocate funds reasonably and improve the utilization rate of funds; Carefully calculate the flow of funds, minimize invalid funds and inefficient funds, and strive to maximize returns.
The fourth is to reduce costs and enhance profitability.
Fifth, do all kinds of financial calculations accurately to provide basis for bank leaders to make decisions.
3. Give full play to the "role" of functional departments, strengthen management and speed up work efficiency.
Looking back on one year's work, I paid a lot of hardships and efforts, and gained some gains and joy. What is important is to enrich and exercise myself. Although my work has made some achievements, there are still many shortcomings, which need to be improved in the future work. In the face of the ever-changing financial and economic situation, financial work has a long way to go, and its achievements will always belong to the past. In my future work, I will constantly improve and improve my work level.