Tisch
Xx is over. In the past year, my work can be described as excellent because my work performance has greatly increased. This is a reward f
Tisch
Xx is over. In the past year, my work can be described as excellent because my work performance has greatly increased. This is a reward for my years of hard work and study. I can get full marks for my own work this year because I have tried my best.
It's been several years since I graduated from college. After graduation, I got a job in a bank. After I got the job again, I was assigned to a bank as a loan officer. At first, I was unfamiliar with my job. Fortunately, I work hard and am actively familiar with my work. Finally, I successfully passed the internship and started the work of a formal bank loan officer. Over the past xx years, my work is summarized as follows:
First, the completion of various work objectives.
1, the operation efficiency is obviously enhanced. There are 24 independent accounting credit cooperatives within its jurisdiction, and the loan interest recovery rate reaches 0%; The loan yield is 0%. The total income for the whole year was RMB 0,000, an increase of RMB 0,000 or 0% over the previous year; Realize a net profit of 0,000 yuan and a social surplus. Realized a net profit of million yuan, an increase of million yuan year-on-year, an increase of 00%; The owner's equity is RMB 0,000, of which the paid-in capital is RMB 0,000 and the capital reserve is RMB 0,000.
2. All deposits grew steadily. At the end of the year, the balance of various deposits exceeded 654.38+0 billion yuan, reaching 0 billion yuan, an increase of 0 billion yuan or 00% over the beginning of the year, and 00% of the tasks assigned by superiors were completed; The average monthly balance of deposits reached RMB 0,000,000, and 00% of the distribution plan was completed.
3. Credit support for agriculture is strong, and the loan structure is moderate and reasonable. The total amount of loans in the whole year was RMB 0.00 billion, up by 00% compared with the beginning of the year, and the balance of various loans at the end of the year was RMB 0.00 billion, up by RMB 0.00 billion, up by 00%. Among them, the balance of agricultural loans was RMB 00 million, accounting for 00% of the balance of various loans. At the end of the year, loan-to-deposit ratio was 00%.
4. Further optimize asset quality. The balance of non-performing loans at the end of the year was RMB 00 million, accounting for 00% of the balance of various loans, down by 00 percentage points from the beginning of the year. According to the five-level classification of loans, the normal loan is RMB 00,000, accounting for 00%, the concern loan is RMB 00,000, accounting for 00%, and the non-performing loan is RMB 00,000, accounting for 00%. Among them, the subprime loan is RMB 0,000,000, accounting for 00%, the doubtful loan is RMB 0,000,000, accounting for 00%, and the loss loan is RMB 0,000,000, accounting for 00%. Compared with the five-level classification, non-performing loans in the four-level classification decreased by 0 billion yuan, accounting for 0 percentage point. (excluding the central bank bill replacement part)
Second, the main work measures
(1) Strengthen the comprehensive management of credit and continuously improve the management level.
1, comprehensively push forward the pilot work of five-level classification of loans within its jurisdiction. The five-level classification of loans is a new business. According to the five-level loan classification implementation plan, the Division carefully organized the training materials and quantified the training contents, and trained the directors, class teachers and all loan officers in two phases, with a total of 135 people. In July, it took 20 days to publicize and accept the five-level loans of 24 credit cooperatives under the jurisdiction of the whole province. The work requirements of accurate classification, clear standard definition and true classification are realized.
2. Pay attention to the increment of loans and guard against loan risks from the source of credit. In the credit work, strictly implement the "three checks" system of loans, the collective approval of loans and the return visit system. The unit strengthened the review of reported loans, focusing on the transition from empirical review to data analysis. At the same time, strengthen the standardization of loan information reported by grass-roots institutions and the audit of data authenticity, so as to ensure the quality of new loans. During the year, * * * approved 0 loans with an amount of RMB 0,000, and stopped collecting 0 reported loans with an amount of RMB 0,000. At the same time, strengthen the supervision of the recovery rate of expired loans and give early warning regularly, effectively preventing the phenomenon that non-performing loans are cleared first and then increased;
3. Increase the frequency of sequential inspection of large loans, and track and inspect the large loans with the amount exceeding 654.38+10,000 yuan once every quarter to correct and rectify the existing problems in time. Throughout the year, * * * inspected 0 large loans with an amount of RMB 0,000, and issued early warning and rectification notices to 0 cooperatives with an amount of RMB 0,000.
4. Pay close attention to the construction of credit team, supervise and study, and organize two training courses for credit personnel with the theme of "credit notification, case presentation and legal education" throughout the year, further improving the comprehensive professional quality of credit personnel. Through one year's study, the knowledge of credit business, awareness of risk prevention and the level of managing loans according to law have been greatly improved.
5. Strengthen the director's sense of responsibility, improve the loan management level of the whole jurisdiction, and standardize credit management according to law. This year, four credit cooperatives, Sandun, Linshui, Huajian and Yinda, were comprehensively inspected. The amount of inspection was 1 10,000 yuan, regardless of the amount. The inspection has achieved the effect of locking the loan risk, finding out the number of borrowers, standardizing the management of loans and promoting development, which has promoted the development of management.
6. Effectively integrate loans in the dehydration industry, adopt a management strategy of giving more and giving less, and pay attention to scale support. In March, the management status of 22 dehydrated vegetable factories supported by the whole jurisdiction was investigated in the early stage, and the management measures for effectively integrating dehydrated vegetable industry loans were put forward. According to the overall plan of moderately reducing the scale of loans and steadily supporting development, we supported 0 loans with an investment of10 million yuan throughout the year, which continued the industrial chain and enhanced the development potential of enterprises.
(b) Extensive storage and development
Over the past year, we have always adhered to the principle of "positioning at a high point, overcoming difficulties, supplementing rural areas with cities, adjusting surplus and deficiency, and balancing the total amount", continued to implement "5365438+" and carried out the activity of "saving 20 households a day, collecting 1000 yuan" in depth. At the same time, combined with the re-evaluation of credit rating, do a good job in deposit withdrawal, improve service quality, and ensure the rapid growth of savings deposits. By the end of 65438+February in xx, the balance of savings deposits in the whole jurisdiction was 1 10,000 yuan, an increase of 1 10,000 yuan over the end of xx. Among them, the demand deposit is xx million yuan, an increase of xx million yuan compared with the end of xx; Time deposit is xx million yuan, an increase of xx million yuan compared with the end of xx.
(3) Strive to support agriculture and create a win-win situation.
1. Support local construction and fully support the rapid development of the non-public economy. A total of RMB 0,000 yuan of non-public economic loans were issued throughout the year. Among them, infrastructure loan 1 10,000 yuan and individual merchant loan 1 10,000 yuan promote its scale and rapid development. By extending the tentacles of credit services, it has effectively broadened the credit field and made due contributions to the economic development and farmers' income in our region.
2. Change the concept of supporting agriculture and carry out special activities to support agriculture. Over the past year, farmers' microfinance activities have been carried out seriously, taking microfinance, the leading brand of rural credit cooperatives, as the carrier to solve the problem of farmers' loan difficulties. In order to ensure that this activity is solid and effective, we put forward four requirements, namely, firmly establish the concept of serving agriculture, rural areas and farmers and firmly support agriculture; Careful and thoughtful work (the establishment of farmers' files is comprehensive and meticulous; Accurate and detailed credit rating; Carefully examine the distribution of micro-credit loans to farmers; Carefully check and manage loans; Strict and meticulous credit township evaluation); Adhere to the principle of steady development and put an end to rushing headlong into action and negative treatment; Taking the good effect as the standard, asking for benefits from loans to support agriculture has effectively solved the funds needed by farmers for production and life, which has been widely welcomed and praised by farmers. Annual review of the "loan certificate" 0 households, re-evaluation of farmers' credit rating 0 households, credit loan amount of 0 million yuan, including credit level 0 households, credit level 0 households, credit level 0 households, credit level 0 households, the amount of 0 million yuan 0 households, to determine the credit township 0; There are 0 credit enterprises with a credit line of RMB 0,000;
3. While doing a good job in microfinance, adjust the loan investment in a timely manner in view of the characteristic agriculture of some towns and villages in our region. In xx years, seed loans totaled xx million yuan, an increase of xx million yuan year-on-year, and aquaculture loans were xx million yuan, an increase of xx million yuan year-on-year;
Xx is a crucial year for rural credit cooperatives in our region to realize financial reform and mechanism innovation in an all-round way. It is also an important year for rural credit cooperatives in our region to seize opportunities, forge ahead, operate prudently and develop steadily at a new starting point. Over the past year, the Division has adhered to the overall situation of reform, development and stability, conscientiously studied and implemented the spirit of the work conference of rural credit cooperatives in our region, established the Scientific Outlook on Development, firmly established the purpose and direction of serving the "three rural" cooperatives, firmly established the idea of supporting agriculture, ensuring stability and promoting development, highlighted risk prevention, strengthened supervision and supervision, and constantly improved the service level of supporting agriculture. It has effectively played the leverage role of credit services and achieved the business objectives set at the beginning of the year, which is gratifying.
I want to say that since I have taken part in the work of a bank loan officer, I should do a good job. This is a habit I have developed since I was a child. I want to do things seriously and I won't let go until I reach the other side of success. As long as you work hard, you won't regret it, and you won't worry about being knocked down by reality.
Maybe I will be a loan officer for life. If I am lucky, I may be promoted to bank manager. If my work is not good, then I have nothing to complain about. I will balance my mind and be content. This is the way to be a man. I believe that as long as I work hard, I will make my own contribution to the development of the bank!
extreme
Time passed quietly. In June 5438+10 this year, I officially worked in the credit post. As a loan officer of Beiliu Sub-branch, I have many feelings. Looking back on my work in 20 15 years, with the care of the branch leaders and the help of all comrades, I earnestly studied my business knowledge and skills, actively performed my duties, and successfully completed this year's work tasks. From the aspects of ideological consciousness, professional quality, operational skills and excellent quality, the work this year is summarized as follows:
Over the past year, I have carefully studied credit knowledge and read relevant books. Through unremitting efforts, I have gradually mastered basic financial knowledge and credit business skills, and I am familiar with the new business processes of the Head Office for the first time. Because I haven't been in the credit post for a long time and I don't have much credit knowledge, I actively participate in every relevant training organized by the superior bank, and at the same time browse relevant credit books after work, increase my "knowledge base", grasp the relevant national industrial policies in time through online consultation, and reduce the risk of national macro-control.
I love my job, I can treat every task correctly and seriously, I can work actively, I can abide by all the rules and regulations seriously, and I can finish the tasks assigned by the leaders in time. As a credit manager of a sub-branch, I deeply feel the heavy burden on my shoulders, and a slight negligence may cause credit risks. So I constantly remind myself and constantly enhance my sense of responsibility. I know that the quality of credit assets is related to the business development plan of Xingtai Bank, and the responsibility is more important than Taishan, so we can't be careless at all. In the pre-loan investigation, I adhered to the loan "three checks" system and the credit management system formulated by the Head Office, and carefully investigated every loan, from the borrower's subject qualification, credit standing, the current situation and prospect of production and operation projects, repayment ability, to the guarantor's qualification and guarantee ability, and the legal effect of collateral; 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.
After the loan inspection, visit the enterprise warehouse and enterprise collateral irregularly every month to keep abreast of the product market, grasp the purchase price of raw materials and the sales price of finished products, analyze the profits of the enterprise in the current month and the cash inflow and outflow of the Bank, write investigation reports and report them to the superior bank regularly.
Looking back on one year's work, I feel that there are still many shortcomings. First, the improvement of professional quality is not fast, and the loan risk control is immature; Second, only to meet their own tasks, work expansion is not bold enough, and management experience is still relatively shallow.
In the new year, I will strive to overcome my own shortcomings, study hard, improve my own quality, actively explore, fulfill my duties, obey the leadership, be a good employee assistant, work together with all employees, improve the operating efficiency of our bank, and make my due contribution to the completion of various tasks and objectives in 20 16.
Tisso
With the end of 20XX approaching quietly, I have been working for one year. From my initial lack of confidence in my business skills to my ability to analyze the credit business alone now, what has happened has really benefited me 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, based on their own enterprising spirit, diligent in the flower of irrigation 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", looked for borrowers with good benefits, actively conducted market research on borrowers on the premise of ensuring the quality of credit assets, and gave credit support to individual industrial and commercial households with market and credit.
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.
4. Strengthen management and strive to recover all loans. Collect overdue loans, make a detailed investigation on the customer's operation in the current year, understand the income of customer X, and ensure the timely recovery of overdue loans.
Second, 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 loan officer, 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 call the master of Ordos corporation for advice during training. 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 credit work 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.
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!