Summary of the Annual Work of Bank Credit (1) During the past six months, under the correct leadership of the credit union, I served as the director of the credit union, mainly in the following aspects.
First, improve the comprehensive quality of credit personnel and effectively avoid credit risks.
To prevent and resolve non-performing loans, the quality of employees is the key, and personality needs a high-quality credit management team. 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. We should use various methods to conduct business training and assessment for credit managers to prevent potential risks. Third, it is necessary to urge credit personnel to grasp all laws and regulations in a timely manner. Personality is some basic laws and regulations closely related to the quality of credit assets, such as commercial banking law, general principles of loans, guarantee law, bankruptcy law, civil procedure law and so on. Mastering and using legal weapons is an urgent requirement of the times for credit personnel.
The second is to 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 a timely manner, 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, the early warning point of job loans should be clarified. When the non-performing loans in the job loans of credit personnel exceed the necessary amount, they should be resolutely removed from the credit posts or even the positions of responsible persons to prevent the loan quality from deteriorating and the non-performing loans from increasing due to personal reasons.
Through half a 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 1xx% for the first time. The annual income of loan officers is about 5xx0 yuan higher than that of ordinary employees, which can be said to be a win-win situation for the masses and individuals.
The third is to clarify the credit responsibility of each link and post to prevent the responsibility from hanging and unrealistic concentration.
For each loan, especially for large loans, the responsibilities of investigators, members of secondary decision-making bodies and post-loan managers should be clearly defined, which not only puts an end to the unrealistic practice of focusing the responsibilities on investigators, but also prevents the formalism of "clearing the money by the masses", truly ensuring that the loan responsibilities can be settled and 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. The collection responsibility should also be borne by the credit post personnel.
Fourth, strengthen the reasonable incentives for credit personnel and standardize their work processes.
The relative stability of the continuous credit personnel team allows them enough time to be familiar with various situations, and brings smooth communication channels for credit personnel to listen to their opinions and suggestions.
The fifth is to control the workflow 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 for 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 officers are required to take "ensuring that every loan is put in accurately" as the standard 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.
Seventh, strictly control the 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, which constitutes a record 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.
Summary of the Annual Work of Bank Credit (Chapter II) Time flies. In a blink of an eye, I finally went through five spring and autumn periods with X Bank. When I was a newcomer, I walked into X Bank with full enthusiasm and good expectations. I have been a front-line teller since I joined the bank. In the inspiring personal loan business experience atmosphere of X Bank, with the help of leaders and friends, I have always strictly stipulated that I should study hard, improve my professional skills, enhance my business ability, work hard in different positions, accumulate more experience, provide satisfactory services to users with increasing confidence, and gradually grow into the business backbone of Xincheng Sub-branch. In the past five years, in your court of X Bank, I finally moved from youth to maturity, and walked on the road of X I chose. I worked hard to be self-disciplined and dedicated, and my pace will become firm and more confident. The work in 20xx years is summarized as follows:
First, study hard, practice hard, love their jobs and be dedicated.
At the beginning of entering X Bank, I was assigned to the post of bank teller. It is often said that a teller is a trivial and boring post with endless things to do. I was afraid when I first came into contact, but my unyielding personality determined that I would not compromise. And I started from scratch, my business is unfamiliar and my technology is weak. I often encounter difficulties in dealing with business. A strong sense of hardship makes me silently compete with myself and do what I want. Learn new business and common sense actively and seriously on weekdays, and humbly ask leaders and friends for help if you don't understand. I understand that providing users with high-quality services requires excellent financial expertise and basic operational skills. As the saying goes, industrious people are diligent and leisure people are scarce. To this end, I put forward four requirements for myself, namely: get up early, stay up late, have a rest at noon and play less at ordinary times. Before and after work, I was accompanied by subpoenas, keyboards and paper counting. Learning business and practicing basic skills every day is like a sponge absorbing water.
Compared with other skills, counting money is my shortcoming. In order to improve the speed and ratio of counting money as soon as possible, I humbly asked the bank experts for the methods and experience of counting money and corrected my imperfect actions. Practice over and over again. Although I am very tired after work every day, I often practice until the evening with my love for X Bank and indomitable spirit. After I got a call from my father, I kept saying that I was doing well and asked her to take care of herself. In fact, only I know how painful I am. In order to adapt to the rules of work as soon as possible, I also go home once a year to reunite with my family and spend the rest of my time studying and working. Many things happen. After a lot of hard training, my overall skills have been greatly improved.
Summary of the Annual Work of Bank Credit (Chapter III) Over the past year, under the leadership of the branch party group, I have been strict with myself according to the standards of leading cadres in party member, strengthened my political belief, strengthened my study of political theory, laws and regulations and financial knowledge, changed my work concept, improved my work style, adhered to honesty and self-discipline, consciously abided by laws and regulations, earnestly performed my duties, and practiced the "Theory of Three Represents" with practical actions.
First of all, as far as Germany is concerned:
Continue to thoroughly study and implement Theory of Three Represents, maintain the advanced nature of Communist party member, establish Scientific Outlook on Development and a correct view of political achievements, have a strong sense of law and discipline, political discipline and organization, and keep consistent with the CPC Central Committee on the issue of right and wrong. Conscientiously implement democratic centralism, take the overall situation into account, obey the division of labor, and bravely shoulder heavy burdens. Respect the top leaders, unite with the members of the leading group and the broad masses of cadres and workers, have a correct ideological style and a solid work style, dare to adhere to principles, be concise and pragmatic, forge ahead, earnestly perform their duties, adhere to administration according to law, be responsible for coordination, vigorously support the work of the top leaders, and promote the smooth development of the three civilizations construction of sub-branches.
Second, in terms of energy:
Familiar with and master the national financial policies and regulations, and can be implemented in combination with the actual situation; Better coordinate all aspects of the relationship, fully mobilize the enthusiasm of employees, and complete complex tasks; Strong writing ability, high writing level and strong oral expression ability; High level of cultural knowledge, strong level of professional theory, with the basic skills needed for their jobs; Be able to find problems through investigation, sum up experience and make suggestions, and have the ability to handle and solve problems independently; Rich work experience and wide knowledge.
Over the past year, he presided over the anti-money laundering work conference of financial institutions in the jurisdiction, the symposium on foreign exchange management and the analysis meeting on economic and financial operation, and coordinated the county government to hold the symposium on treasury work. The above-mentioned meeting studied the relevant financial principles and policies, conveyed the "one regulation and two policies", foreign exchange management policies, financial macro-control measures, account management, cash management and treasury management regulations to financial institutions and relevant departments within their jurisdiction, informed the relevant work, analyzed the existing problems, and put forward suggestions for improvement, which better played the role of monetary policy transmission and window guidance of grassroots people's banks.
Third, in terms of diligence:
I am enterprising, responsible, enterprising and devoted to my work; Serious work, positive attitude, firm attitude, courage to shoulder heavy burdens, dare to take responsibility, regardless of personal gains and losses; Diligence, earnestness and hard work; Never be late or leave early for no reason. Over the past year, I have basically no work leave, and I have been on duty and worked overtime more often on holidays. I insist on participating in overtime work in the business department at the end of each month, coordinating related work and reviewing related reports. Because of my busy work, I gave up many opportunities to be invited to participate in national academic exchanges and study abroad.
Fourth, in terms of performance:
I have clear working ideas, planning, forward-looking and leading; Pioneering and enterprising, often putting forward reasonable suggestions and being adopted, completing heavy work tasks and other tasks assigned by leaders; Pay attention to working methods and have high efficiency; Can finish the work assigned by the leaders on time or ahead of schedule, with outstanding achievements and good results.
Generally speaking, in the past year, I have been in charge of and coordinated with many stock rooms, with a wide range of work, heavy tasks and great responsibilities. Because I correctly understood the work arrangements of my superiors, resolutely implemented the financial policies of the Party and the state, and strictly implemented the rules and regulations of the sub-branch, I better fulfilled my duties of administrative and professional technical posts, exerted my leadership, management, organization and coordination abilities, fully mobilized the enthusiasm of the employees, and successfully completed the stock room management and condominium work throughout the year.
Summary of the annual work of bank credit in XX (IV) Under the leadership of trade unions and credit cooperatives, with the help of all comrades, guided by the spirit of "Theory of Three Represents" and the 16th National Congress of the Communist Party of China, with the focus on capital organization and health work, we implemented various credit policies, grasped the main work, kept down to earth, set high standards and strict requirements, devoted ourselves wholeheartedly, and completed the work well. At the end of February, xx, the balance of various loans was * * * billion yuan, including * * * billion yuan for joint guarantee loans, * * * billion yuan for civil servants and * * * billion yuan for mortgage loans, totaling * * * billion yuan, accounting for * *% of the balance of various loans, with an increase of * *%; Absorb all kinds of deposits of * * * million yuan, including low-cost deposits of * * * million yuan and time deposits of * * * million yuan to complete the tasks assigned by the whole society; The balance of existing non-performing loans was * * * billion yuan, a decrease of * * * billion yuan compared with the beginning of the year, accounting for * *% of the balance of various loans, and a decrease of * * * percentage points compared with the beginning of the year, achieving a double decline in the absolute amount and proportion of non-performing loans. The work of the past year is described as follows, please review it by leaders and colleagues:
First, pay attention to ideological and political study and improve comprehensive quality.
First, strengthen the study of political theory. Usually, I care about state affairs, pay attention to the study of political thoughts and theories, thoroughly study Deng Xiaoping Theory and Theory of Three Represents's theories, correct my thoughts, be strict with myself, always put myself under the supervision of party organizations and the masses, and firmly establish the professional ethics of being dedicated, diligent and honest. In this year's * *, the branch approved me to become a preparatory party member, which strengthened my confidence and determination to strengthen my study.
The second is to strengthen business theory learning. Usually, I attach great importance to the study of laws, regulations, systems and methods related to the financial industry, integrate theory with practice, and constantly improve my professional and technical level. To this end, I took part in the national adult college entrance examination in my spare time, was admitted to * * * College with excellent results, read a junior college, and signed up for the pre-reading of undergraduate classes in the college. Now he has obtained the qualification of economist title.
Second, be pragmatic, work diligently and vigorously carry out various businesses.
Credit post is a post full of hardships, a post with great responsibility and an ideal post with challenging ability. Therefore, since I joined the work, I have always firmly established the style of seeking truth from facts and working hard, and strived to overcome all difficulties and vigorously carry out various businesses.
(1) Firmly control the foundation and vigorously organize funds.
Influenced by the national macro-control and other factors, the deposit growth of our agency was very slow last year, and the fund organization was once in trouble. In the face of various difficulties, I have always maintained unity and close cooperation with my colleagues, thus reversing the slow growth of deposits. In the process of organizing funds, we mainly do "oral service", "brain service" and "leg service"
In the face of the grim situation of slow deposit growth, we should try our best to tap the source of deposits. In order to collect depositors' information and find new deposit growth points, whenever people who go out for business or entrepreneurship go home for reunion or gathering, I will take the initiative to visit at the first time and try my best to win funds. In order to gain the trust of customers, I often use holidays to meet them at airports and stations, take the initiative to contact and communicate with them, send mobile phone text messages or greeting cards to express my wishes and do something I can. These practices have been widely appreciated and affirmed by customers. As soon as they have deposits, they immediately deposit them in the credit union, achieving the effect of "I have him in my heart and he has me in his heart". For example, our big depositors * * * * and * * * are doing business outside. I often use holidays to meet them at airports and stations and make friends with them. This year, they deposited 1 1 tens of thousands of idle funds in our society, which eased the urgent need.
In addition, I am very concerned about the trend of deposit funds, and understand the capital flow of depositors in various periods through various channels. When the client's funds have difficulties in turnover, I take the initiative to come to the door and provide quality credit services. As soon as customers have idle funds, they will immediately deposit them in our agency, and make good use of the triple strategy of "publicity, service and benefit-driven" to attract some enterprises with good operating efficiency, such as * * * * * Co., Ltd., to open accounts in our agency. Really change the style of work to "strive for" deposits, go out of the unit to "attract" customers, seize the opportunity to "attack" large households, and effectively promote deposit growth.
(two) improve the service of supporting agriculture, and do a good job in the issuance of micro-credit loans and farmers' joint guarantee loans.
Over the past year, I have carefully studied the spirit of the documents on supporting agriculture issued by the People's Bank of China and the Municipal Agricultural Association, strictly followed the requirements of "improving rural financial services" put forward by the 16th National Congress of the Communist Party of China, actively carried out the issuance of micro-credit loans and farmers' joint guarantee loans, and made great efforts to make full use of living credit funds and improve the efficiency of fund use by improving agricultural services and raising the level of agricultural services. By the end of 20xx65438+February, * * * loan vouchers were issued, and the amount of micro-credit loans and farmers' joint guarantee loans was * * * ten thousand yuan. Through the supply of effective credit funds, the loan scale has been expanded, effective interest-bearing resources have been increased, and strong financial support has been provided for farmers' income increase and agricultural production.
(3) improve the ability of credit management, and vigorously collect non-performing loans and default interest.
The first is to enhance the awareness of capital security and efficiency. Strictly abide by the separation system of loan examination and loan investigation, adhere to the principle of "small, scattered and mobile" loan issuance, support and strive to increase the proportion of mortgage loans in various loans, and enhance the awareness of capital safety and efficiency. By the end of 20xx65438+February, a total of * * * billion yuan of joint guarantee loans, * * billion yuan of civil servant loans and * * * billion yuan of mortgage loans were issued, totaling * * * * billion yuan, accounting for * *% of the balance of various loans, with an increase of * *%, effectively preventing the precipitation of new funds and defusing credit risks.
Second, establish the loan marketing concept of efficiency-oriented, market-oriented and customer-centered, actively cultivate and broaden the effective credit field, adjust the loan scale, optimize the structure and reduce risks around high-quality customers. For example, by handling "enterprise loans" and "bank acceptance bills" to meet the needs of enterprises and help enterprises solve financing problems. By the end of 20xx, a total of * * * million yuan of "community loans" were issued, and the amount of bank acceptance bills was * * * million yuan, which achieved certain benefits.
Third, carefully analyze the causes of non-performing loans, make an in-depth investigation, prescribe the right medicine, and collect them by classification: I often go door to door to understand the economic situation of farmers and look for opportunities to collect them. If the debtor's land is expropriated by the government, I get a considerable land compensation. Knowing this situation, I took the initiative to come to the door and urged them to return it by stages. Non-performing loans of enterprises are collected through multi-party negotiation and various effective ways. (Note: If necessary, this part can be illustrated by examples according to the collection. ) For rich nail households and debtor households, it is necessary to grasp their executable property, prosecute them in a targeted manner, and collect them according to law.
(4) Strengthen the "Three Preventions and One Guarantee" to ensure the personal, financial and material safety of credit cooperatives.
First, firmly establish the concept of "safety benefit", thoroughly eradicate their negative thoughts on the work of "three defenses and one guarantee", carefully study all kinds of documents, cases and notices issued by the Municipal Association, strive to enhance the awareness of prevention, standardize operating procedures, strengthen the study of riot prevention plans and safety rules and regulations, and improve the ability of riot prevention; The second is to implement various safety systems, do a good job in daily warehouse duty, escort cash and tail boxes, keep a vigilant mind at all times, prevent criminals from taking advantage of this opportunity to ensure the safety of people, money and goods of credit cooperatives.
Third, the shortcomings and the direction of future efforts.
Throughout the year's work, with the strong support of superiors and the close cooperation of colleagues, all the work has made some progress and achievements, but there are still some shortcomings and problems in the following aspects: First, the work of supporting agriculture is not done enough, the innovative ways and means are insufficient, and the amount of micro-credit loans and joint guarantee loans for farmers is low. Second, the task of collecting non-performing loans is still quite arduous, which is the difficulty and focus of credit work at present and in the future. Third, the knowledge of laws, regulations and rules and regulations is not rich enough and needs to be further strengthened in the future. Fourth, the level of credit management needs to be further improved.
As a loan officer, I have done some ordinary things in my post, fulfilled the duties of an ordinary employee and made some achievements. However, I think these achievements are still far from the requirements of superior leaders. In the new year, I will continue to study and implement the principles, policies and lines of the party and the state, and strive to improve my ideological awareness and work efficiency in an all-round way; Under the leadership of leaders at all levels, I will strictly demand myself with higher standards, continue to do a good job in fund organization, strive to improve the service level of supporting agriculture, vigorously collect non-performing assets and interest arrears, be pragmatic, and strive to do all the work more stably and better!
Summary of Annual Work of Bank Credit (Chapter 5) With the end of 20xx approaching quietly, I have been a corporate account manager for one year. From the initial lack of confidence in business skills to the fact that I can analyze the credit business alone now, everything that has happened has really benefited a lot. Looking back on this year's work, with the care of bank leaders and the help of all my colleagues, I earnestly studied my business knowledge and skills, actively performed my duties, summed up the shortcomings in my work in time, worked hard to improve my professional quality, successfully completed my personal work tasks, and improved my ideological consciousness, professional quality, operational skills and quality service. The experience and experience of this year are summarized as follows:
First, the canal is required to be so clear, because there is running water at the source.
No matter what occupation you are engaged in, you need to keep learning and get fresh "source water" in thought, culture and business. Only in this way can they make continuous progress and keep clear water.
Facing the position of corporate account manager, I was still a little uncertain at first. It is difficult for me to know the basic situation and business information of customers on the spot, investigate and master the loan purpose and repayment willingness of customers, and analyze the repayment ability of customers. These people only attended the training for a few days. At first, I kept thinking, I made a mistake in my analysis. What should I do if I throw the money out? So I often ask the masters for advice. Communicate your doubts with them, and think and summarize yourself after getting a serious answer. Learning in practice has given me a new understanding of this job and increased my confidence.
At the same time, I deeply feel my own shortcomings in this respect. It is not enough to learn from practice, but also to supplement your theoretical knowledge. So I actively use my spare time to strengthen the study of financial theory and business knowledge, and constantly enrich myself. Actively participate in all kinds of training provided by banks, integrate all kinds of learning materials issued by banks, apply what they have learned, read financial books in their spare time and refer to successful credit cases.
Through practical experience accumulation, professional training and self-study, I gradually mastered the loan business and operation process. Professional work ability, comprehensive analysis ability, coordination ability and written language expression ability have been greatly improved.
Second, based on their own progress, and strive to water the credit.
I love my job. I can take every task seriously and reflect the country's financial policy flexibly in my work. Seriously abide by the rules and regulations, be able to complete the tasks assigned by the leaders in time and actively carry out business. Looking back on this year, our efforts have finally brought gratifying results.
1, unite and observe discipline, and do our best to improve operating efficiency. Over the past year, I have United my colleagues, obeyed the arrangement of the leaders, and actively done my job.
2. Strengthen awareness and actively market loans. After coming into contact with the credit work, I constantly strengthened the awareness of loan marketing, broke away from the idea of "being afraid of loans", searched for borrowers with good benefits, took the initiative to do a good job in market research of borrowers on the premise of ensuring the quality of credit assets, and gave credit support to those corporate customers with market and trust.
3. Adhere to the principle of credit and do a good job in credit investigation. I know that the quality of credit assets is related to our business development plan, and the responsibility is more important than Mount Tai, so we can't be careless at all. Over the past year, a careful investigation has been made on every loan, from the borrower's subject qualification, credit status, current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of mortgage and pledge; From inventory inspection, current account use inspection to on-site inspection of houses and equipment; From the calculation of assets and liabilities, the analysis of production, sales and profits to the study of net cash flow of operating projects, the determination of loan risks, and the reasons for lending and not lending, I have carefully investigated every link without any slack. In the pre-loan investigation, I achieved the "three musts", that is, the loan conditions must conform to the policy, the loan documents must be legal originals, the lenders and guarantors must be present to verify and sign, and strangers should be regarded as acquaintances, thus ensuring the compliance and legality of loan issuance.
Third, the road is long, and I will go up and down.
The year's work has gradually come to an end, and some achievements can't be achieved without the strong support of CDB leaders. I am well aware that I still have many shortcomings. Through a year of training and training, I have learned a lot of knowledge and the truth of being a man. The road to glory is long, Xiu Yuan, and I'm in the ups and downs.
In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, perform my duties and obey the leadership. Be a good employee assistant, work together with all employees Qi Xin, unite as one, and make due contributions to the improvement of our operating efficiency and the completion of various objectives and tasks in the coming year.
I'm a loan officer at xx Branch. I have investigated xxx loan customers, and successfully lent xxx loan, with a loan amount of xx million yuan, all of which are normal loans. The hard course of free credit from scratch. I think I have the following experiences;
I was really a little timid at first about the position of loan officer. Since I joined the work in 20xx, I need to go to the customer's home every three days to learn about the customer's basic situation and business information, investigate and master the customer's loan purpose and repayment willingness, and analyze the customer's repayment potential. These are really too difficult for me who is not good at communicating with people. For the first month, I have been thinking, what should I do if I release the money? Sometimes I quit my job and think it's better to continue to do my old job.
After understanding the general mentality of loan officers, the leaders of the sub-branches talked with everyone in time, emancipated their minds and put down their burdens, saying, "If you haven't done it yet, it's not easy to deny yourself. You must gradually like the post of credit. " The patient guidance of the leaders and the description of the development prospects have made everyone gradually emboldened in their work. The ideological worries were eliminated and the whole team began to have vitality. Like everyone else, I was greatly encouraged and made up my mind to learn from scratch.
Through professional training and self-study, I gradually mastered the microfinance business and operation process.
Through the vigorous publicity in the early stage of the sub-branch, some customers in need began to come to consult one after another, and I also welcomed the first loan customer. That day, with mixed feelings, another colleague and I took the bus for an hour and a half to xx village. This customer is a farmer, with more than ten years of breeding history, and knows the market very well. At the customer's home, after I had a self-conversation, I began to ask questions item by item according to the investigation order required during training. Because it is the first time to have a "marketing" communication with a customer and I don't know enough about xx industry, I feel very nervous. After asking for less than 20 minutes, the customer suddenly said, "I won't lend, so go, just borrow some money from your bank, just like trying a prisoner." As soon as I saw it, I explained it quickly, but the farmer just didn't cooperate. Helpless, my colleagues and I were disappointed, and the first marketing "abortion".
On the way back, I recalled the scene over and over again and asked my colleagues how they felt. After analysis, I found the answer: the problem is not the customer, but I can't communicate with the customer at all, and I don't understand the needs and difficulties of the other party, which has caused an embarrassing situation.
Ask yourself, if you are always so bad at communicating with customers, who will dare to come to me for a loan in the future? No, you must change it and practice from the beginning! From then on, after work every day, I went to the streets with my colleagues to publicize, chat with small businesses and practice speaking about loan business; After work, I also visit relatives and friends, talk about bank micro-loans, and regard them as practical objects. Where there is a will, there is a way. At present, I think my communication skills have been greatly improved. Strive to get out of the road of harvest
How to integrate bank micro-loans into local economy has become an important breakthrough in the credit work of sub-branches. We know that the development of credit village will be the focus of developing customers in the future. It is our primary task to deeply understand and master the operating conditions and laws of farmers and understand the industry as soon as possible. Find several farmers through relatives and go to the field with colleagues to understand the situation. After a long time, I gradually got used to this kind of work.
Although my work performance in 20xx is not ideal, I deeply feel that my work cannot be separated from the care and support of the leaders and the credit department team. At the same time, I would also like to thank my family who have always supported my work behind my back. I will strive to be a qualified xx bank loan officer with the professionalism of "caring for everyone".