Chapter 1
1. Manage customers, increase the proportion of high-quality customer groups, and open up new growth points for savings deposits
Our bank is located on the west side of Huangpu Avenue, opposite It is the district government, adjacent to Nanhai Huangpu. The area where it is located is the administrative and living center of Tianhe District. The nearby residents are densely populated and the customer resources are relatively abundant. This area has always been a battleground for financial institutions. There are 6 commercial banks gathered within 300 meters in front and behind the center of our bank, and financial competition is extremely fierce. After 11 years of development, the office has absorbed and accumulated a large number of customers. Currently, it has 44,000 customers and a savings deposit balance of more than 193 million yuan, but the average deposit per household is only 4,300 yuan. It can be seen that although the total number of individual customers in our office is quite large, low-end customers account for the vast majority, resulting in large business volume, many people handling business, long customer waiting times, difficulty in attracting and retaining high-quality customers, and limited deposit growth.
To achieve a substantial growth in savings deposits, I believe: First, we must manage our customers well. Managing customers means conducting a comprehensive evaluation of customers, determining the direction and methods of marketing based on their contribution to the bank, making choices about customers, and focusing on customers who can bring more profits to the bank. Thereby expanding the profit margin of outlets. Branches should focus on customer relationship management for existing customers and new customers, and understand customer information through various methods. For example, for existing customers, they can check the "Audit List of Important Savings Matters" printed every day to find customers whose balance reaches a certain amount. account, and then check detailed customer information through the account to tap potential VIP customers; for new customers, the front desk teller must be required to cooperate, register the customer information for large deposits in detail, and issue VIP cards in a timely manner, and gradually establish a complete customer file to facilitate strengthening Communicate and contact with customers to comprehensively improve customer maintenance levels. Provide VIP customers with green channels, reminder services, holiday condolences, personal financial advice and other VIP services to enhance customer attraction and cohesion, thereby increasing the proportion of VIP customers. Second, we should take the initiative to go out of the bank and actively market. Marketers should conduct careful investigation and analysis of surrounding community resources, environmental changes, market dynamics, etc., grasp information in a timely manner, and based on relevant information, actively and proactively carry out work, go out of the industry, enter the community, take the initiative, and bring customers to the market. Go into the bank. For unfamiliar environments, you can find breakthroughs through the guidance of others, especially the introduction of government departments. Third, according to the different needs of customers, we can provide customers with different financial products to meet their needs, and ensure high-quality counter services.
2. Vigorously expand intermediary business and improve profitability
Today, as the interest rate spread between deposits and loans continues to shrink, intermediary business has become an important source of increased profits for banks. Our bank's intermediary business mainly comes from settlement income, bank card income and agency collection and agency fee income, and the sources of income are narrow. Next year, our office will continue to expand new income channels and increase intermediary business income on the basis of continuing to increase the marketing of original intermediary business products. The specific ideas are: 1. Go deep into major markets and promote marketing quickly; 2. Contact Huadi Real Estate Co., Ltd. to strive for the withholding fee business of more than 300 households in Wanxian Garden that will be handed over next year, and use this as an opportunity to further Strive for the withholding business of more than 1,000 households in the Zhongpeng Property Management Company and district government dormitories*** under the company; 3. Fully mobilize the marketing enthusiasm of all employees*, and after the implementation of counter process reengineering, the compressed backend Replenish personnel to marketing positions, set up mobile marketing personnel in the lobby, increase marketing efforts for over-the-counter insurance agents, fund agents, treasury bond agents, and bank-securities links, and increase agency securities fee income; 4. Marketing individuals to customers with large deposits Entrusted loan business.
3. Strengthen personal loan management and develop personal asset business
Asset business is a high-risk business. When developing business, our office will focus on risk prevention and strictly control risks. We carefully carry out pre-loan investigation for each loan, inspect the collateral on site, and strictly control the loan ratio.
The development goals are mainly target customers such as salary agency, VIP customers of our bank, civil servants with stable income, public institutions and other target customers. At the same time, we plan to contact the district individual association to hold a personal loan business promotion event to provide funds for those with financial needs and good credit. , industrial and commercial individuals with collateral can apply for personal loans for production and operation.
4. Strengthen basic internal control management and prevent risks
5. Strengthen employee team building and improve employee quality and outlet service quality
Employees are the most important thing for an outlet resource. Strengthening the construction of the workforce and giving full play to the enthusiasm and enthusiasm of employees is one of the important tasks of the branch manager. I believe that as the person in charge of an outlet, in addition to developing business, you should also lead a good team, be responsible for the growth of employees, and provide good development space for employees. First of all, we should give more humanistic care to employees, try our best to solve their problems, give more praise and incentives to employees at work, and create a relaxed and harmonious working atmosphere in the outlets. Secondly, it is necessary to organize more employees to conduct various trainings to form a good learning atmosphere in the office and improve the quality of employees. For example, regular training and assessment of business skills such as banknote counting, banknote identification, and Chinese character input are organized to strengthen the operational skills of front desk tellers, improve business processing speed, and reduce errors and customer complaints. In addition to organizational skills training, more training on our bank's financial products and marketing skills is also required, so that all employees are familiar with the bank's various personal financial products, and every employee is competent in amateur product promotion and marketing work. Continue to implement effective incentive and restraint mechanisms and establish scientific assessment methods, which are mainly reflected in the secondary distribution of performance-based salary outlets, implement thorough equal pay for equal work, and truly reflect the principle of more reward for more work, rewards for hard work and punishment for laziness, and rewards for excellence and punishment for inferiority. Distribution principles widen the income gap and play a positive role in promoting work.
I believe that with the correct guidance from the provincial branch leaders, the strong support from the sub-branch leaders, the concerted efforts of all my colleagues in the bank, and my dedicated work, the Qiaodong Office will surely achieve greater success. , reach a new level, and achieve a comprehensive improvement in the total business volume, operating efficiency and service quality of the outlets!
Part 2
In order to improve the Fengxian Branch's ability to perform its duties, the performance appraisal of the superior bank was carried out In order to achieve greater success at work, the branch has formulated the work goals for 20xx based on the actual situation: striving to become an outstanding unit of the central branch. The work ideas of the branch in 20xx: lay a solid foundation, strengthen management, promote innovation, improve capabilities, promote harmony, and reach new heights. The 20xx annual work plan is now issued. Please implement it and make timely adjustments according to the deployment of superiors.
1. Implement a moderately loose monetary policy and further enhance the targeting and flexibility of monetary policy.
Strengthen window guidance and credit policy guidance to promote sustained and balanced growth in the total amount of money and credit. Focusing closely on the monetary policy transmission ideas of enlarging the aggregate volume to promote growth, optimizing the structure to promote transformation, and benefiting people's livelihood and promoting consumption, we will strive to improve the targeting* and flexibility* of implementing moderately loose monetary policies, consolidate the advantages of credit extension in 20xx, and ensure In 20xx, the loan growth rate ranked among the top in the city. The "Guiding Opinions on Credit Work in Feng County in 20xx" was formulated and issued to urge financial institutions to actively improve credit support methods, improve credit service functions, accelerate the pace of credit product innovation, reasonably arrange the total amount of credit and the progress of credit, and effectively meet the reasonable credit needs of the real economy. Guide financial institutions to comprehensively and accurately implement moderately loose monetary policies, avoid ups and downs in credit supply, and enhance the balance* and sustainability* of financial support for economic development. Convene joint meetings of bank presidents, financial work symposiums, and financial situation analysis meetings from time to time, visit financial institutions, publicize monetary and credit policies, and understand the implementation of policies; regularly report financial operations to county leaders, timely feedback to county leaders on matters of concern, and propose Solutions and suggestions for hot and difficult issues.
Further adjust and optimize the credit structure to promote the transformation and upgrading of the local economy. First, vigorously support the construction of key projects. Strengthen cooperation with the comprehensive economic department, and actively organize financial institutions to implement docking according to the county government's major project arrangements in 20xx, and strive to meet the funding needs of key projects. The second is to vigorously support the development of small and medium-sized enterprises.
Continue to implement the financial advisory system for small and medium-sized enterprises, organize financing knowledge training in Fengxian County, and promote the continuous improvement of the financing capabilities of small and medium-sized enterprises; organize and hold cooperation promotion meetings between banks and guarantee companies to promote in-depth cooperation between banks and insurance companies. The third is to vigorously support agricultural industrialization. We will further strengthen credit support for agriculture, rural areas and farmers, give full play to the incentive and promotion role of differentiated deposit reserve ratios and assessment of the effects of credit policies on agriculture, rural areas and farmers, and promote financial resources to tilt towards agriculture, rural areas and farmers. Actively guide qualified farmer cooperatives to carry out internal credit cooperation, support the Agricultural Development Bank of China and the Postal Savings Bank of China in further expanding the field of supporting agriculture and increasing agriculture-related credit. Strengthen cooperation with labor and social security, Youth League County Committee, Women's Federation and other units, actively promote financial institutions to organize and issue small-amount guaranteed loans for laid-off workers, guaranteed loans for college students and women to start their own businesses, and student loans, and give full play to the role of finance in people's livelihood. beneficial effect.
2. Effectively maintain financial stability within the jurisdiction and further optimize the financial ecological environment.
Continue to focus on financial risk monitoring, assessment and early warning, and continuously strengthen the construction of risk monitoring and early warning systems. Pay close attention to potential risks in the economic and financial fields such as high credit concentration, mismatch of deposit and loan maturities, rapid rise in asset prices and their impact on financial stability, revise and improve the financial risk contingency plan in the jurisdiction, actively cooperate with local governments and financial offices, and comply with the law. Properly handle various financial emergencies. Continue to improve work coordination and information sharing mechanisms, and do a solid job in basic financial stability work. Based on the current quarterly financial risk monitoring meetings, a briefing meeting system on financial risk (cases) situations of the People's Bank of China, the Economic and Trade Commission and the Public Security Bureau will be established. Cooperate with the County Comprehensive Management Committee to deepen the work of establishing Ping An Finance. Optimize the construction of the financial ecological environment and ensure that the third batch of financial ecological standards-compliant counties in Jiangsu Province are successfully declared and accepted.
Strengthen financial supervision, integrate regulatory resources, and improve regulatory efficiency. Establish an on-site comprehensive inspection leading group and establish a dynamic database of on-site comprehensive inspection personnel. Increase on-site inspections of financial institutions’ credit funding policies, interest rate policies, financial statistics, payment and settlement, anti-money laundering, account management, treasury business agency, cash management and RMB collection and payment business, standardize the business operations of financial institutions, and improve the people’s Bank administrative law enforcement must be strict and legal and administrative must be standardized and serious.
Organize and implement the evaluation of the reform results after the payment of special central bank bills of Fengxian Rural Credit Cooperative, so as to achieve effective results in the reform of local legal entities. Continue to promote financial reform within the jurisdiction and enhance the development potential of the financial industry. Strengthen the monitoring of new rural financial organizations such as village banks, small loan companies, and farmers' mutual funds cooperatives. The county government is requested to focus on solving the problem of high non-performing loans of rural credit cooperatives, strengthen their operating strength, and improve the level of serving rural areas and farmers. Pay attention to the impact that reforms involving land, taxation, finance and other fields may have on financial institutions and financial stability. In accordance with the unified deployment of the superior bank, carry out an overall evaluation of the implementation of the policies of the People's Bank of China by financial institutions in the jurisdiction, and enhance the consciousness of financial institutions in implementing the central bank's decisions*.
3. Innovate financial service methods and further improve financial service levels.
Strengthen financial statistics and research work. Strengthen the management of statistical work of financial institutions and improve the quality of statistical data. Fully explore and utilize the information from institutional economic surveys, expand investigation channels and areas conditionally and step by step, and give full play to the effective role of economic surveys in situation analysis and judgment. Seriously study the methods and techniques of research and analysis, and strive to improve the scientific* and forward-looking* nature of the research and analysis work. He is good at using various forces to promptly discover the key points, hot spots, difficulties and emerging issues in Fengxian's economic and financial operations, conducts research from multiple angles, and provides more research reports and information feedback with certain reference value for local governments and higher-level banks.
Accelerate the construction of modern payment systems. Deeply promote the payment and settlement express project in rural areas, strive to improve the level of rural payment and settlement services, and meet the multi-level payment and settlement needs of rural areas. Comprehensively carry out centralized collection and payment services to provide faster payment and settlement services for governments, enterprises, institutions and the public. Strengthen daily management of accounting and further standardize business operations. Further strengthen bank account management and conscientiously implement the real-name system for accounts.
Strengthen the supervision of payment business management and system operation of commercial banks, promptly report and correct problems in system operation, and reduce payment and settlement risks. Improve bank card business market management, severely crack down on bank card illegal crimes, and promote the healthy development of the bank card industry.
Accelerate the electronic construction of the treasury. Accurately and timely handle the collection, division, refund and refund of budget revenue at all levels and the disbursement of fiscal treasury funds. We will do a good job in collecting various extra-budgetary revenues from the treasury and carry out innovative direct payment business to the treasury. Cooperate with superior treasury departments to prepare for the launch of the treasury management information system (TMIS). Expand the scope of horizontal networking business, cooperate with the finance and national tax departments, and promote the national tax to participate in TIPS online. Strengthen monitoring of TIPS operations to ensure safe operation of the system. Carry out on-site inspections of centralized payment agency banks and the treasury’s economic and collection business to ensure the safety of treasury funds.
Do a good job in currency and gold and silver management. Strengthen coordination and contact with the public security and related units, consolidate and deepen the anti-counterfeit currency barrier operations and the results of Operation 09. Strengthen the guidance on anti-counterfeit currency work of banking institutions, further promote the construction of the third division team, and actively carry out anti-counterfeit currency publicity. Organize financial institutions within the jurisdiction to participate, implement the RMB circulation satisfaction project, promote the innovation of the RMB circulation management mechanism, and create new highlights in the currency, gold and silver work.
Strengthen anti-money laundering supervision. We will improve the anti-money laundering coordination mechanism and continuously improve the synergy of anti-money laundering work. Strengthen on-site and off-site anti-money laundering supervision and improve its ability to fulfill anti-money laundering obligations. Conduct extensive anti-money laundering publicity and training to improve the professional skills of anti-money laundering staff and increase the social impact of anti-money laundering work.
Continue to promote the construction of the credit reporting system. Enrich the content of credit files of small and medium-sized enterprises and promote the application of credit files of small and medium-sized enterprises. Expand the effectiveness of publicity and registration systems and promote the development of financial leasing and accounts receivable pledge financing businesses. Increase the credit rating of enterprises and guarantee institutions, with no less than 30 new enterprises and guarantee institutions receiving credit ratings throughout the year. Deepen business cooperation between banks and guarantee institutions, and explore the development of credit ratings for commercial acceptance bills. Explore the construction of electronic information files for farmers, credit evaluation of farmers, and credit files of urban merchants and residents.
Fourth, vigorously improve its own construction and enhance the centripetal force and cohesion of the branch's development.
Further change ideological concepts and enhance the sense of crisis and responsibility. Faced with the increasing dependence and expectations of local party committees, the high requirements of superior banks for county branches to perform their duties, the strict standardization of assessment mechanisms, and the fierce competition among county branches, every employee must have a clear head. We must have a strong sense of responsibility and should not be slack at all. It is necessary to abandon the way of thinking that makes little progress and is full of ambitions, and sticks to the old-fashioned way of thinking without big ambitions. It is necessary to update concepts, change thinking, and form *** consciousness. Focus on the implementation of goals, unify our thoughts to the spirit of thoroughly understanding and actively adapting to the performance appraisal projects of superiors, unify to the attitude of doing the work diligently and without complaint, without making excuses or shirk responsibilities, and concentrate our energy on what we want to do and what we can do , come up skillfully. We must firmly establish the consciousness and ability to strive for excellence and dare to be the first, strive to improve each employee's ability to perform duties and support competitiveness, concentrate our efforts on development, and never relax on our goals. Further strengthen education and training to enhance the political and professional quality of employees. Focusing on being a good party member, a good cadre, and a good employee, we will inspire employees to be dedicated, united, enterprising, and strive to be first-class by conducting a major discussion on the cultural concepts of seriousness, enterprising, and responsibility. Continue to run the 100-branch forum and expand a new platform for team learning and employee growth. In accordance with the working mechanism of intensive training, standardized operations, follow-up supervision, regular assessment, implementation evaluation, error filing, and accountability, we will increase the intensity of learning, training, and assessment of new policies, new businesses, and new regulations, and strive to improve employees' learning ability, speech Ability, writing ability, executive ability. Thereby complementing each other: you can't fail in the job position, you can't fail in the cooperative work test, and you can't fail in the unexpected work. Enable every employee to perform well, work hard, and fight resoundingly, enhance the branch's overall ability to perform duties, research capabilities, innovation capabilities, and competitiveness, and lay a solid foundation for the branch to strive for the leading position.
Further improve the learning ability, decision-making ability and control ability of team members. Strengthen exchanges and communication among team members, between leaders of business units, and between leaders and employees, and enhance cohesion and execution capabilities.
5. Efforts should be made to promote the construction of party style and clean government and anti-* work.
Conscientiously implement the responsibility system for party style and clean government construction, ensure clear division of labor, in place assessments, and effective accountability to ensure that all tasks are implemented. Actively explore ways and methods of anti-corruption publicity and education to make the concept of clean government deeply rooted in the hearts of the people. We will further improve and perfect the supervision mechanism for the exercise of power, carry out law enforcement supervision and efficiency supervision, and strive to integrate discipline inspection and supervision work into the business of the People's Bank of China, and improve the legal compliance of branches through * life meetings, work reports and integrity reports, and party members and leading cadres reporting on major personal matters. Ability to perform duties.
Sixth, vigorously promote the creation of civilization and the cultural construction of the central bank.
Further enrich the atmosphere of civilized creation, deepen the connotation of the cultural concept of seriousness and enterprising duty, promote the creation of a learning organization, stimulate the enterprising spirit of employees, and improve the overall quality of employees. Establish the concept of long-term innovation, closely integrate innovation activities with various creation activities, and use the theory of creation to improve the quality and level of civilized creation activities, so as to improve the learning ability, competitiveness and sustainable development capabilities of the entire bank. Focusing on new knowledge, new skills, and new businesses, we will carefully organize and carry out innovative financial services, support economic development business competition activities, and incorporate business competition activities into the annual specific assessment items of the stock office. We should do the work of veteran cadres with full enthusiasm and sincere feelings, pay attention to the physical and mental health of veteran cadres, and promote harmony among all employees.
Part Three
Since our bank is currently in the preparation stage, the current progress is to submit to the head office for approval, and strive to obtain the establishment approval from the Banking Regulatory Commission before the end of the year. Then on New Year's Day, the public bidding for decoration can be launched, thus entering the decoration stage. Then the focus of work in the first half of next year will be around preparations for the opening of branch outlets.
1. Sub-branch outlet construction
Actively seek support from relevant government departments to coordinate and resolve problems encountered during branch building decoration and renovation project planning, fire protection, security, electricity and construction. and difficulties; and report project progress and project quality through regular project meetings to prevent safety loopholes. Cooperate with each construction unit to carry out reasonable construction and ensure that every link is carried out safely and orderly. Cooperate with the acceptance team for strict inspection and acceptance in accordance with the requirements of the Banking Regulatory Commission, Public Security Bureau, Fire Protection and Hua Xia Bank, and fully assist the branch preparation team to complete the preparation work of the branch.
2. Enhance service awareness and improve employee satisfaction
As the saying goes, customers are God, so how to satisfy God depends on the high-quality services of our bank. As the target of our bank's comprehensive post service, it is all colleagues in the branch.
3. Carry out party and league organization activities and actively promote corporate cultural activities
The power of spirit is a great and indelible force. A strong body is only the basic guarantee for reclaiming land. The spiritual level is The improvement method is the source of persistence and creation. This is true for individuals, and so is collective.
4. Strive to do a good job in various logistics services
Strive to play the role of caring people in employees' lives, so that employees have a sense of belonging and can maximize their enthusiasm for work. Warmly receive employee inquiries, promptly solve employees' life difficulties, always pay attention to employees' ideological and emotional fluctuations, and strive to create a harmonious and uplifting working atmosphere. Strengthen the scientific and standardized management of various items in our bank: plan in advance and replenish some consumable items in time to ensure the normal and smooth development of all our bank's work.
Looking to the future, I believe that in the next year, the General Department will adhere to the principle of pragmatism and efficiency, unite all departments, wholeheartedly take the development of our bank as its own responsibility and employee satisfaction as its goal, and under the correct leadership of all leaders We will definitely be able to create a better tomorrow for our ** branch next time!