Fan Wen Daquan > Self-identification

Bank employee self-identification

Part 1: Self-identification of bank sales manager

From the moment I switched from the duty officer to the sales manager, I felt a lot of uneasiness and responsibility. Because my job role from assisting, coordinating with the director of the network to deal with all the business, accounting and control of the outlets, I feel that the pressure is greater and the burden on the shoulders is heavier.

In order to better take up the duties of the sales manager and strengthen the supervision of the matter, I work hard every day to study the latest financial theory and business policies, and constantly improve and improve my business level. In the daily study and work process, we take the book as the teacher, the professional department as the teacher, the employees around us as the teacher, learn the other people's strengths, make up for the shortcomings, and master the various business essentials. I have a lot of thoughts on accounting procedures, and I should cope with all kinds of problems that occur in the daily work of outlets. While doing my own business learning, I also target the different levels of business quality of different tellers at the outlets, and carry out targeted business guidance, and pass on my own business skills and management experience to other employees. Because I always believe that building a team that adheres to the implementation system and can suppress operational risks requires the participation of every employee. The article you are reading now comes from the China Talent Guide Network

I often communicate with the heads and directors of the outlets to discuss how to standardize the business operations of the tellers. When the tellers are required to handle the business, they must operate the stereotypes and adhere to the self-review, implement the key inspection and supervision, and prompt the tellers to develop good business practices. Business managers are the key link in accounting control, which requires me to be vigilant and establish risk prevention awareness in my daily work. For comrades who are prone to errors, I keep reminding them to pay attention to them at work; for those comrades who have made mistakes due to unfamiliar business, they will patiently help them become familiar with the business; for complex businesses and possible errors, they will advance Do a good job in early warning and go to the counter of the teller. Through strict standard operation, the implementation of key inspection and supervision, pay close attention to the analysis of the causes of errors, strengthen management supervision, and train the tellers to develop good business practices.

Case prevention is the eternal theme of our accounting settlement, and it is also the primary task of the business manager. By grasping the risk points, we can prevent the occurrence of the case. I insist on key monitoring every day, such as permission cards, heavy vouchers, seals, important items, etc., and focus on inspections and never go through the game. Keep the password of your license card, and use a baffle to block the password for each license. Every month, the case defense meeting seriously summed up the shortcomings of the outlets and proposed a rectification plan. Strengthen case studies, educate yourself and employees, and prevent cases from happening.

Compared with the fascinating marketing case that is impassioned and represents the first-line marketing staff of the Bank, what can be seen in the business manager is another very different style - that is, quietly working and confident. The sales manager at my outlet is the busiest one. However, we are busy and can't be chaotic. We are full of confidence in the face of misunderstanding and slander by individual customers in order to adhere to the system. Because we carry the trust of the majority of customers of ICBC, the provincial and provincial branches, and the party committee of the city branch. Business We have no reason not to be proficient, the system has no reason not to implement.

Since I was a sales manager, my happiness has been that there are no mistakes in the outlets and no cases have occurred. The bitterness is that there are still many shortcomings in the work and the trust of the leader is disappointing. In the future, I will continue to improve myself and strive to be an excellent sales manager.


Chapter 2: Banks are positively self-identified

After graduating from Shanxi University of Finance and Economics in July XX, I joined the Agricultural Bank Jiandong Sub-branch. The actual habits lasted for one year. The following is my report on the following year:

I love the Agricultural Bank, work positively, earnestly study the various files issued by the provincial branches, conscientiously implement the ICBC policies, guidelines, and resolutions, conscientiously study and implement the "three-points and one unified" thinking, and actively participate in the development and reform of ICBC.

I have participated in the one-month branch business training, the pedestrian anti-counterfeiting examination, and achieved excellent results.

I work hard to develop basic skills, learn with humility, study hard, take notes carefully, practice basic skills after work, and study business knowledge. I have already had personal savings, online banking, funds, insurance, bank cards, etc. Deeper learning.

In the past year, I have been working hard and I am proud to join the Agricultural Bank. I believe in the spirit of dedication, excellence, and never give up. I am willing to work with all partners to develop together with ABC.


Part 3: Self-identification of bank employees' internship

During the summer vacation, I was fortunate enough to come to the Shuangliu County Branch of the Industrial and Commercial Bank of China for a one-month accounting internship. I learned a lot of knowledge outside of books and benefited a lot. The following is a brief discussion of my real name system for bank savings deposits.

First, the meaning of the real name system of savings deposits

The real-name system of savings deposits refers to the system in which residents must present valid identification when they open an account with a financial institution and handle savings business. Bank employees are obliged to give records and require depositors to leave their names on the deposit slip. Its fundamental purpose is to promote the financial system on the basis of fairness, justice and openness under the premise of effectively protecting personal interests and safeguarding national interests, and to ensure the authenticity and legitimacy of personal financial assets.

In the past 50 years since the founding of the People's Republic of China, the savings deposit system has been implementing a registered savings system. The name can be a real name, a pseudonym, a code or a name of a relative or friend. In particular, the current savings, the bank only recognizes the deposit and disclaims the person, as long as the payer provides the passbook to show the seal or lose the password to the bank, the payment is made. The real-name system of savings deposits is a financial system that has been implemented by developed countries and is also the financial system implemented by most developing countries.

Second, why do you need real savings deposit real name system?

China's current deposit and deposit registration system can be said to have caused a series of social and economic problems from the source, which has hindered the process of reform and opening up and reached a point where it is difficult to return.

1. The phenomenon of accelerating growth of savings deposits has concealed the shocking social wealth transfer. As of the end of June 1999, the total savings deposits of commercial banks in China amounted to 6.3 trillion yuan. China's household savings deposits have grown geometrically. In 1987, the balance of savings deposits of Chinese residents was only 307.3 billion yuan. In 1992, it exceeded 1 trillion yuan. In 1994, it exceeded 2 trillion yuan. In t995, it exceeded 3 trillion yuan. At the end of 1998, it reached 5.3 trillion yuan, and in just half a year, it reached 6.3 trillion yuan at the end of June 1999. Since 1992, although China's GDP growth rate has embarked on a rapid growth channel, the highest year is 14.1% in 1992, and the lowest year is 7.8% in 1998. From 92 to 98, the arithmetic mean The number is only 10.76%, and the growth of GDP is not synchronized with the growth of savings deposits. This shows two points. First, the distribution of national income is excessively inclined to individuals. Second, some personal income is not derived from national income, but directly from the loss of state-owned assets.

2, tax collection and management difficulties, tax evasion is serious. Taxation is a citizen's obligation, but under realistic conditions, it is a personal responsibility to evade taxation. For many financial managers, tax evasion has become an obligation. China's personal income tax has a share of GDP per capita. .28% or so, far below the average of 2.1% of the developing countries, the excessive loss of tax sources, the root cause is that China's current savings deposit system can not support the collection and supervision of personal income tax, and the imperfect deposit system is not good. In establishing a citizen's credit system, it is impossible to clarify the individual's obligations to the state, and it is impossible to adjust the income gap and the gap between the rich and the poor through tax leverage, alleviate social contradictions, and enable the state to concentrate on doing big things.

3. The relevant adjustment policies of China are at a loss, and the implementation effect is greatly reduced. For example, in response to the lack of domestic demand and weak consumption, the state has introduced a series of policies to stimulate consumption, such as continuously lowering interest rates, encouraging consumer credit, collecting interest income tax on savings, increasing the wage income of civil servants and public institutions, and stimulating education consumption. Wait, but the effect of these policies is not obvious. Why is it that it is difficult for the legislative and administrative agencies to remedy the gap between the rich and the poor because of the deposit and deposit registration system? For a small number of wealthy people, income is only a decrease in the number of money. For them, they can't spend a lot of time in their lives, and some of them have it, so they are very numb to the policy of stimulating consumption.

4. The personal credit system cannot be established. The market economy is a credit economy. All economic relations depend on credit to maintain. Without a good credit system, there will be a phenomenon of “unstable trading” and “investment lock-in”. Because of mutual distrust, the trading method will be to cash transactions and goods. The original stereotypes such as goods slipped down, and the pessimistic sentiments of "banks reluctantly lend, enterprises cherish investment, and individuals cherish borrowing" pervaded, causing economic dynamism to decline, and macroeconomic regulation and control policies are difficult to play a role. The establishment of a personal credit system is of course a complicated program involving financial law and regulation construction, financial product innovation, technological innovation and management innovation. However, the real-name system of deposit summer internship report deposits is the most basic and core content.

Third, how to implement the real name system of savings deposits

1. Establish a real-name system for savings deposits based on the existing personal identification number. Credit is the face and passport of citizens living in the world. The quality of personal credit is directly related to whether they can enjoy loans, overdrafts and installment payments, and also affect retirement protection. Under the record and support of the real-name system of savings deposits, every income, transaction, tax payment, loan, and repayment of each person is recorded as the basis for assessing credit.

2. Defining a declaration confirmation period, registering and registering existing personal accounts and personal assets, indicating the legal source that can be calculated, and if the time is not fixed, unclaimed, and unable to explain the legal source, the state will freeze the investigation and the illegal income will be Confiscation and confiscation.

3. The bank account is connected with the taxation authority. The income and expenditure of the individual account are reported to the tax bureau within the scope of authorization. The tax bureau is responsible for the tax payment. The tax bureau is obliged to keep the personal property highly confidential and establish corresponding punishment measures. In order to block cash transactions and evade loopholes in tax inspections, banks should strictly control the number and frequency of large-value deposits and withdrawals, and report them to the tax bureau for abnormal conditions.

4. It is necessary to promote the billing of payment instruments and provide a basis for property registration and legal taxation. In particular, personal accounts need to popularize the check transfer business. The bill clearing must be electronic, instant, and pass-through, and provide “anytime, anywhere, casual” personal transfer business, and gradually change the traditional practice of relying on cash transactions.


Chapter 4: Self-identification of personal work of bank accountants

1. Speed ​​up the transformation of ideas

After 200x years of post adjustment, I was hired as a “8-level executive accountant”. In front of the new position, I repeatedly told myself to find the right position and enter the role as soon as possible, because the business room does not allow people who have nothing to do. I removed some of the burdens of management. I concentrated on the front-end business and product marketing, especially the marketing of savings deposits and related new products. In the year of 200x, through conscientious study and understanding of the spirit of the meeting of a series of staff meetings, middle-level cadre meetings and the first "business analysis meeting" of our bank, the new leadership team's new ideas of supernormal and leap-forward development, It not only stimulated the enthusiasm of all the staff in the business office, but also broadened my own work ideas. The pressure of "survival" has become the driving force. In the labor competition, the theme of survival and development is to continuously increase the intensity of work. On the basis of fully tapping the potential of all aspects, we will stand at the height of rapid development on the basis of actual conditions. I and the director of the office objectively analyzed the gap between the incremental share of deposits and other banks. Under the guidance of the accounting supervisor, the work plan and plan were elaborated in detail, and the “big development, big market, and "Large marketing" work ideas, in the collection of land compensation funds, employee buyout funds on behalf of, regain lost wages, the group's enterprise resources and the investors to find a breakthrough point, consolidate and expand the business room customers group. As the main body of accounting, the business office is the hub of all work of the Bank and the center of accounting for the whole bank. To improve the accounting management level and accounting quality of our bank, we must start from the accounting basic work of the business office. In accordance with the requirements of the internal control system, through careful analysis of different positions and different business types in the business office, the job responsibilities were redefined and refined, the rotation system was adjusted, the operation process was strictly enforced, and the cash management method and money for the cash box were formulated. A series of management regulations, such as management methods for box documents, management methods for securities business, methods for arranging and binding documents, and methods for assessing accounting errors. Clearly monitor the cash, cash, documents, key accounts and accounts in real time to ensure that problems occur, timely discovery, and timely resolution. At the same time, through the formulation of the secondary distribution method, the performance salary of the business room personnel is combined with the business volume, the completion of the deposit task, the accounting quality, the service quality, the labor discipline, etc., breaking the “small pot rice” and “small average” on the distribution. It has promoted the completion of various mission objectives and the improvement of service quality and accounting quality.

In addition, I am actively involved in the craze of storing and increasing reserves. The class talks about deposits and shifts of deposits under the class, and inspires the front desk tellers to raise their sense of deposit awareness and indicators with their own actions. And the comrades summed up the experience of “new customers are attracted by service and old customers are stable with feelings”. In the month of x200, an old customer password of 1000 dollars in the business room was forgotten. I went to the door four times to solve the problem. After the formalities, the client was very moved and transferred all the deposits of other banks to the business office. In order to improve the business quality of ourselves and the staff of the office, and to ensure the quality of our accounting, we have developed a detailed training plan and file circulation learning system, and used the spare time to organize business staff to conduct accounting business, accounting regulations and professional ethics education. In addition, I also actively participate in the unified business training held in the line, learning, paying attention to actual results, not going through the field, so that my business knowledge tends to be comprehensive, and business operations are more proficient and standardized.

2. Lead by example, strive to learn internal control and improve work efficiency.

In the 200x year, the director and the director of the business office, in accordance with the requirements and guidance of the in charge of the governor and the chief accountant, strictly studied the job setting and labor combination of different business volumes and different business types in accordance with the requirements of internal control, and re-established the accountability of accounting positions. Strict operation procedures and determine the corresponding responsibilities according to the business licenses of different business personnel. At the same time, according to the requirements of the superior bank and the actual situation of the branches of our bank, this year has participated in the formulation of the cash box cash management method, the cash box document management method, the securities business management method and the voucher binding management method, and the accounting error assessment method. The series of rules and regulations, further standardize the accounting of each network, so that the accounting procedures of our bank are more rigorous, the business management procedures are more secure and scientific, and mutual restraint and clear responsibilities are achieved. Enhanced internal controls and improved work efficiency. In daily work, through active observation and summarization, problems and unreasonable operations in business operations can be reported to the director and supervisor in a timely manner, and the tellers and outlets can be reminded in time to play a warning suggestion.

3. Strive to improve their service and business quality.

High-quality civilized service is an eternal topic in the financial industry. However, how to implement the action and completely change the social image of our bank, the staff of the business office did move a lot of brains. First, the position is right, the customer is won by service, the deposit is absorbed by the customer, and the rice bowl is kept by deposit. It has eliminated the laxity and deficiencies in the mind, thoroughly updated the concept, based on customer satisfaction as the standard, consciously standardized its own behavior, and conscientiously implemented various service measures of the Bank. The second is to use business technology and proficiency as a measure of service level, to practice basic skills, speed up business processing, avoid mistakes, and grasp quality. Although our business office is dedicated to the service, the quality of the service room is still unsatisfactory due to various factors. The third is to study new business knowledge and vigorously expand the business field of the business office to create a good development environment. For me, I tried my best to achieve "three services." First, to serve customers well, because my main task is to take charge of the front desk, the tellers almost always have bad business and customer introductions to me, in the spirit of "customer is God", every time I can make it The customer is satisfied with the return, there are some things that are difficult to deal with, I am taking the initiative to come to the door with a gift, and finally see the smile of the customer satisfaction. In this way, some customers have even made friends with me and become a loyal customer of CCB. The second is to serve the tellers in this business office. No matter the problems with the teller business and equipment, I can take the initiative to solve the problem. The tellers are not feeling well and the family is not comfortable. I can take care and help. The third is to give good service to the various outlets. Because the business office is the central hub of the whole bank's business, I have more frequent business contacts with various outlets. I can actively work for them regardless of equipment problems or business problems. Contact or personally come to the door to find ways to help them solve.

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