Time passed quietly. 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 my microfinance business. 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. I see the future stage, not the present treatment. At present, I personally really like this job, because I can see the value and dream of realizing my life there.
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 customers are our gods.
So how can we catch our God? One of the principles of loan risk control is "training is not less than five days", which should not be underestimated, but should be seriously implemented. If you carefully compare two groups of borrowers, one group has been trained for five days and the other group has no training, then you will find that the trained borrowers have much better repayment consciousness than the untrained borrowers. The sentence "It's easier to fight a mountain than to defend one" is probably a true portrayal of our future work. As long as we succeed in this microfinance project, I firmly believe it will succeed. Then I firmly believe that the competition of ABC will keep pace with the times. Although the loan amount of the card business of ABC at the moment is generally 20,000 to 30,000 yuan, it has a strong advantage over us, and customers like to borrow more money to do bigger business. There is no doubt about it. Also, the interest rate of ABC is much lower than ours, so their business should of course be better than ours, but I personally think it is not so successful. Why? It is precisely because they don't have people like us, nor do they go to every village to serve farmers like us. However, as long as we succeed, we firmly believe that they will immediately recruit a group of college students to go to the countryside to start doing our "same" work, and then the competition will really come. Therefore, now that such work has been carried out, we must think about how to hold the "Jiangshan" in the future. Lenders are people, and people have feelings. When they become our customers, we should treat them sincerely and help them when they are in trouble. We should try our best to be their bosom friends. If we can do this, then you can rest assured of this customer absolutely.
Third, learn to manage.
We have many customers. If you don't have good management potential, then your problems will come, which will make you upset and depressed. First of all, you should learn to allocate time reasonably, so that you can work better. Although your time is determined by 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 our financial business 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.
"If you want to learn to do things, you must first learn to be a man." In fact, this sentence is very reasonable. If you can't be a man, then you can't do better things. Just because you do things, you have to deal with people first. When you enter a company, you can't immediately adapt to your work environment and your interpersonal relationship, let alone make better things. First of all, we must communicate well with the old employees of our credit union and handle the interpersonal relationship well, so that we can go to work with a happy mood and upward spirit every day, and let the credit union be my home, just as happy as returning to our warm and harmonious home. When dealing with 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, but the loan has been repaid, so we should keep good contact with borrowers, have their latest harvest information and their ideological trends, so as not to be passive. If we do these jobs well, I firmly believe that the business volume will rise linearly, and the recovery rate will be 100% in the future.
Fifth, future professional knowledge, work potential and specific work.
1. Under the guidance of the leaders, the procedures and direction of the work were clarified, the work potential was improved, and a clear working idea was formed in the specific work. After working as a micro-credit officer, with the goal of "doing better", I cultivated the sense of innovation, completed all the work assigned by the leaders wholeheartedly, and strengthened my business study in the remaining time to lay a good foundation for the next work. Clear the direction of force and put forward improvement measures. As a small lender, I deeply feel that I shoulder a heavy responsibility. As the window of the company, my words and deeds also represent the image of the company. Therefore, it is more necessary to improve their own quality, set high standards for themselves and strengthen their 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 cooperate with other colleagues in the credit cooperatives to do a good job.
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, despite the necessary 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 improve work efficiency in an all-round way, and make more and more contributions to the development of your club.