The bank’s work plan and specific measures for the second half of the year

Time is an arrow and comes and goes quickly. Our work is also constantly being updated and iterated. For this reason, we need to write a good work plan. How to write a work plan to maximize its effect? ??Below are five articles I have collected for you about the bank’s work plan and specific measures for the second half of the year. Hope this helps everyone.

The bank’s work plan and specific measures for the second half of the year 1

1. Focus on customers and provide settlement services.

1. We will continue to implement the "first-ask responsibility system", "full-time service", "standing service" and "three-ring service" that our bank has always advocated, and ensure that every employee can Treat every customer patiently and satisfy them.

2. As competition in the financial industry intensifies, customers have higher and higher requirements for bank services, not only in counter services but also in our bank’s service varieties. In addition to continuing to provide In addition to doing a good job in agency settlement of utility bills, taxes, fiscal charges, traffic fines and confiscations, and BSP aviation agency, we must also do a good job in various service types such as highway network tolling business, open-end fund acquisition business, and securities business that will be launched next year. , improve the competitiveness of our bank.

3. Actively strengthen contact with personal business, participate in personal business, and understand personal business to better serve customers. Although the integrated business system has been installed, it has not been able to achieve true integration due to various reasons, which is a shortcoming in the work of my sales department.

4. With the bank as the classroom, next year we will hold lectures on bank settlement methods to increase people's financial knowledge, let customers know more about the bank, get closer to the bank, and integrate into our bank's business.

5. Continue to do a good job in telephone banking, self-service banking and online banking, and promote the use of online banking services to high-quality customers.

2. Strengthen internal control system management to prevent risks and ensure work quality.

1. Supervise the science and technology department to replace the computer interface of my sales department as soon as possible, and then strictly implement the division of power according to the requirements of the comprehensive business system, one post, one card, one person, one card, to enhance the rigidity of system execution. Improve binding force.

2. Further strengthen the internal control and external defense of important links and important positions, focusing on strengthening account management (to ensure the quality of our bank's account opening units) and door-to-door services.

3. Further strengthen the accounting and cashier system, strictly implement and inspect the accounting and cashier system, and standardize the use and custody of accounting seals and blank important vouchers.

4. Focus on promoting the sale of payment ciphers to ensure the security of bank-enterprise settlement funds and further improve our bank's means of preventing external settlement risks.

5. Standardize business operation procedures, strengthen the general accounting daily inspection system to discover hidden dangers in a timely manner, reduce errors and eliminate settlement accidents.

6. Effectively implement the business guidance and inspection of branch offices.

7. Carry out regular assessment of accounting quality.

3. Put people first and improve the overall quality of employees.

1. Keep good people in good positions. The banking industry sounds beautiful, but it is actually full of competition and risks, so you need to have certain psychological quality and cultural accomplishment to work in our sales department. In terms of employment, suitable positions are determined based on the employee's ability and the ability to unleash the employee's potential, thereby improving employee motivation.

2. Strengthen business training, which is also the most urgent next year. The training plan has been submitted to the personnel department to prepare basic knowledge such as cashier system, payment settlement method, comprehensive business system accounting system, new accounting subjects, etc. and training on various emerging businesses.

3. In the case of tight personnel, it is still necessary to strengthen on-the-job training. In addition to participating in next year's technical competition, it is also necessary to improve the professional level of employees.

4. Do diligent ideological work of employees, care and encourage employees, and strengthen employees’ psychological quality.

The bank’s work plan and specific measures for the second half of the year 2

In the first half of the year, all employees of the bank, guided by the spirit of the headquarters’ work conference at the beginning of the year, focused on consolidating, improving, reforming, The working principle of development is to take the Double Five Strategy as the goal, combined with the revitalization of the old industrial base in Northeast China, to work hard and work together to overcome the adverse factors, continue to carry forward the spirit of hard work and entrepreneurship, and to continue to expand new areas with the motto of honesty, trustworthiness, innovation and pragmatism. business field, opening up a broad living space. The work in the second half of this year must be considered and arranged from the following aspects:

1. Adapt to the new situation and the requirements of joint-stock banks

After several years of ideological preparation, organizational preparation, Institutional preparation is to truly achieve long-term development in the future. We must learn to adapt, control and use this new system and be highly risk-aware, rather than trying to break through the system. Therefore, we must seek effective development in the second half of the year and learn to go to the market under strict risk control. Under the current macro-control situation, many large enterprises are experiencing some difficulties. If we identify the enterprises correctly and choose the right time to intervene, there will be marketing opportunities. In terms of marketing, we must break through the old credit culture, learn to capture customers, settle accounts, product marketing, and learn to manage customers.

2. Deeply promote the work of the year of safe operation.

This year’s proposal to achieve safe operation involves governance rectification, institutional reform and other aspects of work. Implementation and advancement will continue in the second half of the year, and safe operation must be ensured.

3. Actively cooperate with the head office in reorganization and restructuring work.

It is necessary to implement the organization and promotion work related to financial restructuring, accounting treatment after divestiture, organization withdrawal and merger, and financial planning. After the announcement period, we must seize the time to complete the organizational dissolution and merger plan and adjust the direction of structural optimization. To this end, each branch must strengthen organization and clarify responsibilities for work arrangements in accordance with the requirements of the head office. Each second-level branch must implement a first-in-command responsibility system, starting from key links, and formulate multi-level emergency plans, especially considering emergency measures in the most complex situations; leaders at all levels must implement a rotating duty system. Unless approved by the leadership group, You are not allowed to leave your job. At the same time, it is necessary to ensure smooth emergency response mechanisms and information channels, and establish a strict work inspection and accountability system.

During the announcement of the split, all branches and branches should pay close attention to: fund preparation and cash supply, security precautions and case prevention and investigation work, the operation of electronic products and systems, and local media reports, and strictly abide by the discipline of answering questions. At this sensitive stage, we must ensure that nothing goes wrong and we must not relax or cause major problems.

4. Continue to promote the employee training year.

It is necessary to do a good job in training the cadres and employees to further improve the management level and team quality. In particular, it is necessary to strengthen the training and guidance of the persons in charge of grassroots outlets so that they can quickly change their concepts and realize the success of various businesses. healthy development.

5. Make preparations for the launch of DCC.

The first is to do business testing; the second is to pay attention to the training of branch employees; the third is to formulate a thorough and complete emergency plan.

6. Cooperate with the Banking Regulatory Bureau to conduct three inspections and implement rectifications in a timely manner.

The Banking Regulatory Bureau plans to visit our branch in July to conduct three inspections, including inspections on bills, new loan quality and internal control status. We have been paying close attention to internal control work for nearly a year. In fact, the inspection was also a comprehensive inspection. The specific units to be inspected for bill inspection must be implemented and informed. The units being inspected must be cleaned up as soon as possible, and the bill center must be arranged quickly to correct problems in a timely manner. In addition, for the problems investigated during the audit, those that should be rectified should be rectified, those that should be adjusted should be adjusted, and those that should be solved should be solved.

7. Pay attention to the ideological work of employees after the separation announcement.

After the announcement of the shareholding reform and separation, the society was basically calm from the outside. It did not affect the interests of customers and the market reaction was not big. However, our internal employees have some ideological concerns. It is hoped that all branch presidents and department managers will pay close attention to signs of negative emotions among employees. Some people may be in a hurry, some may not be able to figure it out, some may receive wrong signals, whatever the situation may be. For example, veteran cadres may not be very clear about the relationship between the group and shares. Generally speaking, I want to give everyone confidence and make it clear that during the process of shareholding reform, it will definitely be different from the existing interest pattern, but it will only get better and better. The personnel issue will not change significantly.

8. Make strategic work arrangements across the year.

When we do banking business, we cannot be like farmers. When we are hungry, we eat and sell the millet first, without even leaving any grain to plant until next year. As a bank, we cannot spend too much money to make ends meet. This is a matter of quality! Strategic investment issues must not be ignored, and multi-year financial arrangements must be considered more and cannot be given up.

The bank’s work plan and specific measures for the second half of the year 3

1. Improve internal management levels and strengthen corporate culture construction

1. Strengthen internal control management. Our bank's personnel in various positions are basically in place. We must strictly implement the supervision and implementation of various rules and regulations, implement a management system that focuses on one level, one level, and all levels of implementation, and assigns responsibilities to each person, and strictly controls the risks of each business link. We will strengthen the execution of the system, further enhance the risk prevention awareness of employees, and ensure that the comprehensive evaluation of internal control throughout the year maintains the goal of a first-tier bank.

2. Improve service quality. Compared with our peers, there is indeed a certain gap in the service quality of our employees. This is mainly reflected in the blunt service attitude, lack of initiative and professionalism, etc. To this end, we will strengthen evaluation, supervision, training and learning. Employees who have been repeatedly criticized for their poor service attitude by customers will be listed as candidates whose labor contracts will not be renewed upon expiration.

3. Strengthen and improve the assessment and incentive mechanism to enhance the enthusiasm and coordination of employees. Our bank will segment the market, highlight the key points of business development, formulate specific work goals and task plans, make full use of the powerful platform of the performance-based salary assessment plan, further increase rewards and punishments, praise the advanced and encourage the underachievers, so as to form a system where everyone performs his or her own duties and encourages the underachievers. We will do our best to create a good atmosphere for joint development and promote business development.

4. Enhance the vitality of the enterprise and build a united and harmonious family. Give full play to the leading role of the Women's Federation and the Youth League branch, organize more collective activities to relieve employees' stress, listen to employees' voices at work, effectively help employees solve their difficulties, make employees happy to work, and enhance their sense of belonging to our bank.

2. Improve and strengthen service functions and accelerate business development

We will focus on leveraging our own advantages and rationally plan and deploy customer departments and sales departments by segmenting business development priorities, integrating products The work goals of the outlets are to continue to use the customer department as the vanguard of market expansion, strengthen and expand the service functions of the outlets, form a business development model with clear goals, division of labor and coordination, mutual support, and linkage between up and down, and comprehensively enhance the market competitiveness of our bank.

(1) Customer Department

It is necessary to strengthen communication with business outlets, subdivide the service functions of the customer department, and subdivide the job responsibilities of the corporate group, international group, and personal group. It is clear that in addition to expanding asset business, it must also accelerate the comprehensive development of liability business, intermediary business, financial management business, etc., and change the previous single and passive situation of business expansion.

(2) Business outlets

1. Standardize services, strengthen and expand the service functions of outlets, focus on expanding liability business, personal business, intermediary business, and financial management business, and focus on outlets The person in charge, resident account manager, and lobby manager are the main force for expansion, improving the VIP database, integrating products, and implementing a "bundled" all-employee marketing strategy.

2. By leveraging our bank’s advanced online banking and self-service equipment, we will divert low-end customers, reduce counter pressure, and further optimize the service environment and customer structure.

3. Continue to increase the use of payroll business as a means to effectively promote the rapid development of our bank's bank card business and intermediary business.

4. Strengthen employee training and learning to improve comprehensive business quality. We will create a good learning atmosphere by cultivating our own teaching staff and using pre-class learning, special training, exchange learning, etc.

3. Strengthen the construction of the staff team and improve the overall combat effectiveness

1. Strengthen the construction of the leadership team and improve the execution ability. The work of the leadership team determines the success or failure of the entire team building. We will clarify the division of labor, give full play to the wisdom and initiative of each member, improve execution, and carry out work in a pioneering manner.

2. Strengthen party building work and give full play to the vanguard and exemplary role of party members. Our bank has a large number of party members, but the vanguard and exemplary role of party members has not been fully exerted. We will make full use of the role of party members in various positions to achieve the goals of standardized operations, controllable risks, high-quality services, and significant benefits.

3. Take the opportunity of creating a youth civilization account to fully mobilize the enthusiasm of young employees. The Youth League branch has formulated a detailed work plan, including training and learning for young employees, business competitions, business promotion in enterprises, organizing employees’ spare time activities, etc., to guide young employees to establish correct employment concepts and professional ethics, and improve the cohesion and cohesion of our bank. combat effectiveness.

The bank’s work plan and specific measures for the second half of the year 4

Since the second half of last year, the provincial branch has adjusted its work focus to internal control, management, case prevention, and risk prevention, and has proposed A series of measures and requirements involve management system, personnel thinking, team building and other aspects. Through these measures and requirements, the provincial branch party committee hopes to truly bring the development of our branch onto a standardized track. The improvement of the management level of the whole branch is the prerequisite for development from a positive perspective. We can no longer withstand the tribulations of a large number of cases and the continuous growth of non-performing assets similar to those in the past. If we continue to suffer like this, there will be no cure. So we must solve the management and risk prevention issues. The work in the second half of this year must be considered and arranged from the following aspects:

1. Adapt to the new situation and the requirements of joint-stock banks, truly learn to seek effective development based on strict risk control, and never repeat the past Extensive development.

After several years of ideological preparation, organizational preparation, and institutional preparation, it is to truly achieve long-term development in the future. We must learn to adapt, control and use this new system and be highly risk-aware, rather than trying to break through the system. Therefore, we must seek effective development in the second half of the year and learn to go to the market under strict risk control. Under the current macro-control situation, many large enterprises are experiencing some difficulties. If we identify the enterprises correctly and choose the right time to intervene, there will be marketing opportunities. In terms of marketing, we must break through the old credit culture, learn to capture customers, settle accounts, product marketing, and learn to manage customers. Strive for intermediary business income by attracting customers, rather than simply extending credit.

Under the current concept of development, we must pay attention to several issues:

First, continue to implement the loan approval system and scale management, recover one piece, and exit one piece to ensure new investment needs . The key is to determine whether a high-quality customer can withstand the assessment of the risk system. This year, the non-performing rate of newly issued loans must be controlled below 0.3%. It is necessary to strengthen the management of loan scale and ensure that the new loan scale is allocated to key industries, key customers, key products, key regions and projects approved by the head office and provincial branches. We must pay attention to business strategies and have an overall view. While grasping key projects, we must actively make marketing reserves and do a good job in settlement accounts and intermediary business.

The second is to intensify structural adjustment and optimize the quality of credit assets. While maintaining high-quality existing customers in telecommunications, electricity, transportation, petroleum, etc., we will also focus on high-quality customers in growth industries such as education, ports, and electronics, and industries that meet the requirements of national industrial policies. It is necessary to reasonably control loans in overheated industries such as steel, cement, real estate, and automobiles in a timely manner, and seize opportunities to withdraw from some overheated industries in an orderly manner. It is necessary to strengthen marketing and expand multinational companies and export-oriented enterprises.

The third is to increase efforts to collect and compress existing non-performing loans, and gradually withdraw from industries and customers with poor operating performance, too small scale, and no potential for development.

The fourth is to fully understand the urgency of the current corporate deposit work situation and vigorously promote corporate deposit work. The provincial branch has established a working group on corporate deposits. Under the leadership of the working group, the company's business system must carefully analyze the corporate deposit situation and formulate practical measures. I hope to minimize the number of "passing gods of wealth" and avoid watery figures.

The fifth is to consolidate the basic management and risk control capabilities of the personal loan business, make every effort to reduce the existing non-performing loans of personal loans, accelerate product innovation and business innovation, and implement the strategy of "moving corporate business upward and personal business downward" , personal banking business and intermediary business must become an important source of income and profit for outlets. After the personal loan system and mechanism are straightened out, personal consumption loans and personal housing loans must be able to truly obtain an effective share.

2. Based on the results of the adjustment of the internal management risk control system, continue to refine and deepen basic management, improve risk prevention measures, improve basic management levels, and improve risk control capabilities. In the second half of the year, we must continue to strengthen the basic management and detail management to fundamentally improve the ability to prevent risks and promote sustainable business development.

1. Risk prevention work must be carried out unremittingly and a long-term mechanism to ensure asset quality should be established.

First, continue to promote the risk management platform project in depth to ensure the quality and progress of related work: complete the preparation and review of system documents at the end of the month; enter the trial operation stage of the system in the month; and complete the project promotion within the year. The risk management platform project is the focus of strengthening management. The workload and tasks are relatively large, and all branches and branches must attach great importance to it.

The second is to improve the dynamic management mechanism of new business operation rights, introduce a product risk rating system, improve risk control policies and product structure adjustment policies, and introduce the economic capital constraint theory and the principle of matching risks and benefits to adjust our branch Product structure and pricing policy.

The third is to improve the internal control evaluation and authorization system according to the new delegation method of the head office, and adjust and optimize the credit regional structure and customer structure according to the economic development situation of each region and the operation and management level of each institution.

The fourth is to strengthen loan access management, improve loan investigation and approval mechanisms, establish an approving person evaluation system, strictly authorize management, and strictly control the quality of new loans.

The fifth is to strictly identify and investigate new non-performing loans, resolutely crack down on unethical practices, and establish a correct professional outlook, risk outlook and good credit culture.

2. Do a good job in the "big battle" after the divestiture of doubtful loans. At present, in accordance with the relevant policies for prioritizing the divestment of doubtful loans listed by the head office, our branch has given priority to divestment of doubtful loans with poor asset quality within the scope of the policy, minimizing the historical burden and financial burden of the provincial branches. Although we have divested non-performing assets, our non-performing ratio is still very high, especially in the credit card business. In the second half of the year, we will make corresponding adjustments to the focus and focus of the work to promote the reduction of non-performing assets. We must deeply study the existing non-performing problems and deal with them as soon as possible. , write off as early as possible to prevent risks and improve asset quality.

3. In-depth promotion of the "Safe Operation Year" work.

4. Actively cooperate with the head office in reorganization and restructuring work.

5. Continue to promote the "Employee Training Year" work.

6. Make preparations for the launch of DCC.

The first is to do a good job in business testing;

The second is to pay attention to the training of branch employees;

The third is to formulate a thorough and complete emergency plan.

7. Cooperate with the Banking Regulatory Bureau to conduct three inspections and implement rectifications in a timely manner.

The Banking Regulatory Bureau plans to visit our branch in March to carry out three inspections, including inspections on bills, new loan quality and internal control status. We have been paying close attention to internal control work for nearly a year. In fact, the inspection was also a comprehensive inspection. The specific units to be inspected for bill inspection must be implemented and informed. The units being inspected must be cleaned up as soon as possible, and the bill center must be arranged quickly to correct problems in a timely manner. In addition, for the problems investigated during the audit, those that should be rectified should be rectified, those that should be adjusted should be adjusted, and those that should be solved should be solved.

8. Pay attention to the ideological work of employees after the separation announcement.

After the announcement of the shareholding reform and spin-off, the society was basically calm from the outside. It did not affect the interests of customers and the market reaction was not big. However, our internal employees have some ideological concerns. It is hoped that all branch presidents and department managers will pay close attention to signs of negative emotions among employees. Some people may be in a hurry, some may not be able to figure it out, some may have received wrong signals, whatever the situation may be. For example, veteran cadres may not be very clear about the relationship between "group" and "shares". Generally speaking, I want to give everyone confidence and make it clear that during the process of shareholding reform, it will definitely be different from the existing interest pattern, but it will only get better and better. The personnel issue will not change significantly.

9. Make strategic work arrangements across the year.

In the past two years, I have been paying attention to strategic investment issues. Some banks have renovated their outlets, and some have made new business expansions. As the president of a secondary branch, we need to have a strategic vision. Although some issues in the assessment system will have an impact on the current period and we feel a little pressure, we must undertake multi-year strategic investment. The term of office of a unit or department leader is always limited. No matter which position or place you work in, it is impossible to work for a lifetime, and property is not personal. However, a qualified bank leader has such a large resource and basic professional spirit, professional ethics and Basic values ??are reflected in strategic vision. When we do banking business, we cannot be like farmers. When we are hungry, we eat and sell the grain first, without even leaving it to plant grain until next year. As a bank, we cannot spend too much money to make ends meet. This is a matter of quality! Strategic investment issues must not be ignored, and multi-year financial arrangements must be considered more and cannot be given up.

The bank’s work plan and specific measures for the second half of the year 5

g1. Strengthen system construction, standardize management, and prevent accounting risks.

Accounting work is a basic job in a credit union. It shoulders the important responsibilities of accounting business, reflecting operating results, predicting business development prospects, and participating in the credit union's business decision-making. The quality of accounting work directly affects the credit union's reputation and status, and is related to the survival and development of the credit union. To this end, it is necessary to increase the construction of the accounting internal control system, strictly manage the society, and reduce risks and increase efficiency.

(1) We must persist in standardized accounting management. To change the basic accounting work situation as a whole, we must focus on inspection and guidance for credit unions that have not achieved accounting standards, strictly accept standards, and promote their compliance with standards; for credit unions that have reached standards, we must insist on regular inspections to ensure quality. Strive to achieve 100% of credit union accounting work standards in 2018, + more credit unions will be upgraded to Level 2 if they meet the standards, and more than 30% of the credit unions will be upgraded.

(2) Establish the entire chapter and improve the internal control system. In response to the accounting situation of credit societies in the jurisdiction, we further revised the "Financial Management Measures of Credit Unions", "Electronic Banking and Computer Business Operating Procedures", etc., and formulated a set of internal management rules and regulations with its own characteristics that facilitate the implementation of credit society accounting operations. , further standardize the behavior of accounting personnel, control various accounting risks within the prescribed range, and achieve the purpose of checking for errors and preventing fraud, plugging loopholes, eliminating hidden dangers, and ensuring the stable operation of the business.

(3) Establish an incentive mechanism to comprehensively improve the quality of accounting work. The first is to establish accounting risk deposits.

Each accountant pays 500 yuan as a deposit and implements self-compensation for wrong accounting; secondly, the quality assessment of accounting work is intensified. For accounting vouchers found to be non-compliant during the inspection, 0.1 yuan will be deducted from wages for each accounting voucher found to be non-compliant. 0.2 yuan will be deducted from the pen, and any interest calculation errors will be refunded and compensated according to the error amount; the third is to carry out accounting work evaluation, reward the good and punish the bad, issue certificates of honor to accountants who have outstanding achievements in accounting work, and are safe and accident-free, and give praise to accountants for their work. Accountants with poor quality will be notified of criticism and financial penalties will be imposed.

2. Emphasis on management, implementation, smart financial management, and efficiency creation.

20--annual profit plan target, determine the company's surplus, the surplus area reaches %, and the profit amount is - 10,000 yuan. Comprehensive expenses are reduced to %. The theme of financial management should be to strengthen accounting, increase revenue and reduce expenditure, support business development and innovation, and further improve economic benefits. We will take accelerating innovation in financial and accounting management as the driving force, identify the reform and breakthrough points in financial and accounting work, and implement active and effective financial measures.

(1) Strengthen cost management and strictly control expenses. Implement a "dual-track" management approach for comprehensive expense rates and expense limits for credit unions. Determine expenditure based on revenue, "total total control, individual responsibility, saving and retaining, and taking responsibility for overexpenditures." First, based on income, calculate and determine the amount of expenses that each cooperative should control; and reward credit cooperatives that have completed deposit and interest collection tasks. The second is to implement a request and report system for major expenses. Credit unions must write a request report in advance for any expenditure of more than 1,000 yuan, regardless of nature, and it can only be recorded in the account after approval. The third is to adhere to the disclosure system of financial expenditures and publish detailed accounts of financial expenditures to employees every month to increase transparency. Accept the supervision of the masses, control the key gates of financial expenditure, and reduce expenditure and increase efficiency.

(2) Vigorously revitalize credit funds, actively recover overdue loans, and strive to increase loan interest rates. Implement performance wages, effectively implement the internal credit position responsibility system of "guaranteeing loans, guaranteeing collections, guaranteeing management, and guaranteeing benefits" to increase the sense of responsibility of credit personnel, adopt flexible and diverse methods, actively collect loan interest receivables, and prevent favoritism Collect interest and put an end to the phenomena of "run, risk, drop and leak". To create a novel and vivid efficiency work situation, the loan interest collection amount strives to reach 10,000 yuan, and the loan interest rate strives to exceed 7%.

(3) Based on increasing the total amount of deposits, efforts will be made to adjust the liability structure. We will intensify the assessment of low-interest deposits, actively organize low-cost deposits, and reduce deposit interest rates. The cost of funds will be reduced by 0.4 percentage points compared with the previous year.

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