First, perform job responsibilities
(a) straighten the position, give full play to the role of staff assistant.
As the assistant to the president of the business department, I always remind myself to put my position right, find the right role, be a good staff assistant actively, and make suggestions for the business department without being offside, absent or suffering. At the same time, pay attention to communication and coordination with other team members, unite sincerely, know the overall situation, take care of the overall situation, consciously safeguard the overall image of the team, and do a good job in the business department of Harbin Bank.
(two) solid work, which has effectively promoted the steady development of the work in charge.
Integrating theory with practice is my consistent work style. On the basis of actively participating in various trainings and intensive studies organized by the head office, I have strengthened the study of modern commercial bank management theory in my spare time. At the same time, we should persist in consciously putting Scientific Outlook on Development into all our work, and constantly improve our leadership level and management ability in the alternating cycle of study and practice. In particular, it can effectively use the theoretical knowledge learned to guide and solve practical problems in charge of the work, which has effectively promoted the steady development of the work in charge.
Two. Completion of main business indicators
(1) Personal Banking
65438+At the end of February, the balance of full-caliber deposits reached 1 10,000 yuan, an increase of 1 10,000 yuan or% compared with the beginning of the year; The balance of savings deposits was billion yuan, an increase of billion yuan or% over the beginning of the year, accounting for% of the annual task plan. ; The company's deposit balance is billion yuan, an increase of billion yuan or% compared with the beginning of the year, accounting for% of the annual task plan.
By the end of 65438+February, the balance of various loans was 1 10,000 yuan, and the average daily loan balance was 1 10,000 yuan, an increase of 1 100 million yuan compared with the same period of last year. Among them, the company loan balance is 1 10,000 yuan, and the accumulated loan is 1 10,000 yuan. New loans this year10,000 yuan, loan interest income10,000 yuan. There are no non-performing loans in the five-level classification: RMB 10,000 in the four-level classification, and RMB 10,000 in profit with a non-performing rate of%.
(2) Non-performing assets
According to the arrangement of the Head Office's NPL collection work, the business department stepped up the NPL collection, specifically combined with the formation characteristics of NPLs, instructed a special person to be responsible, and especially intensified the tracking, actively contacted and visited borrowers, urged them to pay off NPLs, and found an effective repayment method. Recover the historical non-performing loan of 25.5 million yuan from Harbin Green Industry Co., Ltd. and recover the interest owed of 9.6 million yuan. At present, there are no non-performing loans in the bank's five-level classification, and the loan of Friendship Palace, a concern loan, has been revitalized, and the loan due soon19.7 million yuan has been extended. After serious and effective work, we have achieved phased results.
(3) Examination and approval of personal loan business
By the end of February, 65438+, the personal loan business has been approved this year, with an amount of 10000 yuan, without any mistakes.
Third, analyze the situation and unite with banks and enterprises.
1. The total loan of Harbin Liqun New Area Real Estate Development Co., Ltd. in our bank is 3.5 billion yuan, of which 20xx will be extended in September 1 billion yuan, and 20xx 10 month will reduce its loan amount by 500 million yuan to ensure the credit quality. During this period, the Bank has been actively communicating with loan enterprises to strengthen the relationship between banks and enterprises. 20xx In May, the Development and Construction Management Office of Liqun New District of Harbin Land Reserve Center set up a corporate deposit account with a maximum deposit of 654.38+05 billion yuan, which contributed to the deposit index of our bank.
2. Express series loans have now become a benign loan cycle in our bank, with the average daily deposit greatly increased and the comprehensive contribution rate greatly increased.
3. The next step of cooperation will be carried out in the near future, with a loan of 200 million yuan from the Finance Bureau of Daoli District, Harbin.
Fourth, be proactive and innovative.
(1) has expanded new business varieties. According to President Gao's instructions of "pilot first, then summarize, and then evaluate the risks", a detailed preliminary investigation and evaluation were conducted on the new form of forest right pledge loan, and three personal business loans with a loan amount of 965,438+0,000 yuan were piloted. Next year, banks will carry out this business on a large scale.
(2) Improve the development and management system of civil servants' credit loans "the duties of the assistant to the president".
1, which has greatly improved the business development. Up to 20xx1October 26th 165438+ the accumulated credit loans for civil servants in this business department amounted to 388.24 million yuan, and127.77 million yuan was recovered, with a total loan balance of 368.67 million yuan, an increase of 200 million yuan year-on-year.
2. Greatly improve the marketing service ability. Created a new marketing model of personal consumption loans, and through the collection of credit loans, increased the marketing efforts of our credit loans and expanded the influence of our products. By the end of 1 1, the Civil Servant Credit Loan Center of the business department had granted credit to 50,000 people in 600 units with a credit line of 7.5 billion yuan. The promotion of collective credit business has also led to the growth of credit loans, which is the best performance in the history of the sales department.
3. Improve the efficiency of business processing. The average time from acceptance to lending of civil servants' credit loans is 2 working days, which is 3 working days shorter than before, and the processing efficiency is improved by nearly 1 times. In addition, under the premise of controllable risks, our department has improved the approval line, integrated file management and improved work efficiency. After improving the process, the lending speed is greatly improved, and the maximum monthly lending amount of some loan officers can reach more than 6,543,800 yuan.
4. Risk control capability has been greatly improved. While increasing the loan amount, our department further strengthened the management of all aspects of loan investigation, review and approval, strictly checked the borrower's identity at the time of acceptance, cross-checked by loan officers, conducted spot checks, strictly examined the materials provided by borrowers by means of open-ended questions and answers, extracted personal provident fund information, and did a good job in reviewing each loan.
Five, business extension, open up the situation
Due to the financial crisis, the bill discount market is depressed, with high interest rates and low profits. Ensure the continuity of the existing bill business, extend it through the existing business, establish a good personal relationship and open up a new situation in the bill business.
Sixth, standardize management and improve efficiency.
Our department has made useful attempts and explorations in seven aspects: organizational structure, business process, external publicity, customer marketing, service mode, resource allocation and file management, and achieved positive results, which can be summarized as "seven steps".
(1) Set up specialized operating institutions in the organizational structure, which is closer to the market and customers. 20xx set up the civil servant loan center in August, and our department rearranged the credit team and divided it into public and private departments. After the reorganization, on the one hand, the division of labor is more clear, on the other hand, it is convenient to strengthen the professional skills of loan officers and improve work efficiency.
(2) The business process adopts standardized operation process to further improve work efficiency. With the increasingly fierce market competition, customers constantly put forward new and higher requirements for bank financial services. Whoever has good service quality and high service efficiency can seize the opportunity in the market competition. In order to better serve individual customers, the bank adopts measures such as limited time service, on-site service and one-stop service to improve the efficiency of examination and approval and work. The Head Office is required to improve the procedures related to personal consumption loans, and get the support of the Office of the Head Office, the Personal Finance Department, the Risk Management Department and other relevant departments. Through the improved personal consumption loan approval mode, it takes no more than 3 working days from the date of acceptance to the loan issuance, and the same-day loan is realized for customers with collective credit business. In terms of file management, it has also changed from two files to one file now, greatly shortening the time limit for accepting business in the past, improving work efficiency and winning the praise of customers.
(3) Fully rely on government and media platforms for external publicity to further enhance brand awareness. Through various forms of publicity activities, all employees of our department further establish the business philosophy of "customer-centered, market-oriented" and create a working atmosphere of "extensive participation and active marketing". In combination with various large-scale exhibitions in our city, we will actively promote the products of "Xinyitong". At the auto show held by the municipal government, the 4th People's Car Buying Week Exhibition in Harbin, and the Harbin Fair, measures such as setting up a business publicity desk, setting up billboards, on-site business consulting desk, and placing promotional materials in the automobile sales office were taken to publicize the "Xinyi Tong" products. At the same time, through radio and television media, print media and online media, advertisements for civil servants' credit loans are put on from time to time. Through the above publicity and promotion measures, customers' awareness of Harbin Bank brand and our financial products has been effectively improved.
(D) Active marketing at multiple levels in customer marketing to further improve the sales success rate. First, establish a linkage marketing mechanism and explore new marketing models. In order to make the marketing work targeted and focused, according to the relevant requirements of the Head Office, we explored and created a new model of personal loan marketing-collective credit (that is, focusing on high-quality units such as party and government organs, issuing credit lines and letters to their employees), and vigorously carried out personal consumption loan marketing. I give full play to the advantages of stock, tap the potential from existing customers, conduct targeted marketing and establish an overall linkage marketing mechanism. Pay attention to market segmentation and determine the marketing focus; Strengthen the team construction and system construction of credit marketing; Implement differentiated marketing; Establish and stabilize a high-quality customer base; Strengthen brand marketing promotion with various media. The second is to give full play to the advantages of the team and change the marketing model. Our department has launched a marketing campaign for collective credit customers, dividing all the staff in the business department into six marketing teams, concentrating on increasing the influence of collective credit of our civil servants, and promoting and marketing a large number of new customers on the premise of consolidating the loyalty of the original customers, so as to seize the opportunity in advance in the increasingly fierce civil servant credit loan market, and make every effort to build the brand awareness of our civil servant credit loan center and increase the core competitiveness of the brand. The third is to conduct in-depth marketing based on existing customers. In the marketing stage at the beginning of the year, our department has completed the collective credit of some municipal departments. At this stage, our department will continue to explore the market in depth, refine the customer base, and market some provincial banks' collective credit.
(5) Continuously improve and innovate service methods to further improve work efficiency. The increase in business volume has also increased the workload of employees. Employees often work overtime until late at night, carry forward the work spirit of "hard-working, not afraid of fatigue", make credit letters for employees of credit granting units, and deliver them at home, which not only expands the popularity of our "e-mail" products, but also wins high-quality customers through collective credit. For Harbin Finance Institute, Harbin State Taxation Bureau, Harbin Daoli District Taxation Bureau, Heilongjiang Provincial Public Security Department and other units,
(6) Optimize and rationally allocate resources to further promote the development of civil servants' credit loans. Under the guidance of the relevant policies of the Head Office, the performance of personal loans has been reasonably distributed. Through effective incentives, credit personnel have increased their income, worked hard and devoted themselves to their work with greater enthusiasm, which has promoted the growth of personal loan business.
(7) Organize and file files in file management to further improve the speed and efficiency of file query.
The original files were sorted, 8 groups of filing cabinets were added, the loans that have been settled in recent years were sorted and filed, and more than 2,000 unsettled files were reordered, which further improved the speed and efficiency of file inquiry.
Seven, scientific practice, seeking development
1. According to the overall requirements of the Head Office, organize various activities of "in-depth study and practice of Scientific Outlook on Development". Make scientific practice deeply rooted in people's hearts, and form a good atmosphere for all employees in the sales department to participate in management and contribute strategies, and to participate in management and seek common development.
2. Strengthen the on-the-job training of employees and build a learning team.
Based on the reality, the business department pays attention to cultivating high-quality financial talents, aiming at in-depth job training, and comprehensively cultivates a team of employees with high spirit, excellent business, strict acceptance discipline and ability to fight tough battles. By paying close attention to all kinds of effective staff training, we will build a learning organization and create a strong learning atmosphere. The average age of employees in the sales department is relatively young, and they have strong work enthusiasm and drive. How to build a strong team and train and transport talents for the head office in a sustainable way is the subject and task that the sales department has been shouldering. In this regard, the business department has carried out various thematic activities such as business training, special lectures on business knowledge, and friendship with the youth league branch of friendly units, which has enabled the majority of young employees to fully experience and always maintain enough enthusiasm.
3. The quality service work is vivid and persistent.
4. Strengthen professional quality assurance.
In order to ensure the smooth development and risk-free operation of various departments, career security is the foundation. The business department closely combines the job security with the trade union work, which overcomes the difficulty of relatively tight work content and makes the staff in each position have no worries.
Eight, the next direction of efforts
Further strengthen study, and constantly improve their ideological quality and management level. At the same time, around the work arrangements of provincial head offices and business departments, we will further strengthen the guidance of competent departments, ensure that the service quality of the whole bank is significantly improved, and the risk control ability is constantly enhanced, promote the sustained and healthy development of various businesses of the whole bank, and make positive contributions to the steady growth of employees' income.