Bank teller self-identification

Article 1: Year-end self-identification of bank tellers

Looking back on XX, I worked in the xx branch office, working days in the sales department. In the 0 days, the bank teller work summed up more than 100 million in cash from my hands, and paid more than 10 million yuan. No fake money can escape me. The method of contact; the contact form of the customer, a lot of super, some can use a calm tone to solve the fog, some can use the bright smile to cross the sea, can not, I use the exaggerated and technical expression of expression frustration, Fu An dry heart; love my position, happy work, I am good at finding beauty in my work, this year I have a value-added customer, a smile like An Zaixu, a charm like Hu Jun, another Like Wu Yanzu, a dignified version of the book; this life's hobby is clean and tidy. The bank teller's work summary will never let any banknotes be mixed into the new banknotes. In the free time, the outlets will be spotlessly cleaned, and the toilets will be scented and scented; The motto of the bad pen, every time I carefully read the file, I will record the new operation and new business into my personal notebook for inspection. I am eager to learn, I have been close to atm this year, care about it, touch it, and finally become familiar with the spleen. And take the initiative to take care of it on holidays; everyone is fireproof, household security, as long as there are new products for fire extinguishers, I will definitely touch them for the first time, in case I have to use it when I have to, but I don’t know how. Cherish life, cherish life bank teller work summary, for Erdaomen, I always follow the archival steps to simulate practice, implement in a formal format and become the habit with the best attitude; know ourselves and know each other, win every battle, and Since our generation has more worm potential, I will always browse the homepages of other banks and the latest financial reports to find inspiration in my work and cultivate my own cells for the letter.


Chapter 2: Bank Teller 2019 Year-end Self-identification

In xxxx years, I am full of the yearning for the financial cause and pursued into the xxxx branch. Here I will release the energy of youth and ignite the dream of the cause. Time flies, it has been a year since xx branch. In this short year, my life has undergone tremendous changes, both in work, in learning, and in thinking.

In the xx branch, I am engaged in one of the most mundane jobs - the teller. Some people may say that ordinary tellers talk about careers, no, they can do a brilliant career on the counter. Excellence begins with ordinary, perfection comes from seriousness. I love this job and use it as a starting point for my career. As an ABC employee, especially a front-line employee, I deeply feel the heavy responsibility. The counter service is a “civilized window” that shows the good service of the ABC system. Therefore, I am full of enthusiasm, sincere service, sincere service, and win the trust of customers with her positive working attitude.

Yes, among the employees of ABC, the tellers are the groups that directly face the customers. The counters are the windows that show the image of the ABC. The daily work of the tellers may be busy and monotonous. However, in the face of all kinds of customers, the tellers should be skilled and enthusiastic. Day after day, with thoughtful service, customers can truly appreciate the sincerity of the farmers, feel the warmth of doing business in the Agricultural Bank, such work is extraordinary, I am proud of my position! I ask myself to do the following: First, master the excellent business skills, and never relax business learning; second, maintain good professional conduct and abide by national laws and regulations; third, cultivate harmonious interpersonal relationships and live in harmony with colleagues. The fourth is to clearly understand the self, win the arrogance, and defeat.

Since I joined the work, I have been based on my position, working hard, learning business knowledge, and consulting with experienced colleagues. Only in this way can we really do the work that can stand the test of time. The little things that made me realize that as a front-line employee, I am destined to be ordinary, because he can't use the blood of the soldiers to smash the muzzle like a rushing warrior, bombing the bunker, leaving a hero's name for the world to proclaim. It is not even possible to broadcast summer harvests like farmers, and to harvest autumn harvests in summer. There is always a fixed harvest. Some are only repeated day after day, year after year, such as deposits, withdrawals, account entry, collection and release, marketing maintenance, ushered in such boring operations and complicated matters. In this ordinary post, let me deeply understand that greatness is in the ordinary, ordinary people can be dedicated, dedication to our enthusiasm, dedication to our sincerity, dedication to our youth. Ordinary we can create a wonderful sky, there is no foundation to come to the tall buildings, no ordinary where great! The value of life can only be sublimated and perfected in the ordinary dedication.

In the process of serving customers, I always insist on “thinking what customers want, urgency for customers, and worrying about customers”, providing customers with comprehensive, thoughtful, convenient and efficient services to achieve operational standards. Service specifications, politeness and decent manners have left a good impression on customers and won the trust of customers. In the actual handling of business, under the premise of ensuring compliance with the rules and regulations of the Bank, we can flexibly grasp the marketing method, provide customers with certain convenience, and provide personalized and fast service to customers flexibly and appropriately.

Perfection comes from seriousness. Based on the excellent service of the counter, we try our best to provide customers with more thoughtful services. Because there are no discerning customers, only imperfect services. In my daily work, I actively study new knowledge, new business, theory and practice, and master the various service skills. I started from a small matter, when doing business, try to be fast, accurate, and efficient, let customers wait less, run less, ask less, and provide customers with timely, punctual, regular, and always-on services.

Youth is the most precious time of life, because you are full of enthusiasm and energy, because you dare to dare to do it, and you are energetic because there are too many dreams and hopes! But in my opinion, the preciousness of youth still includes the unremitting pursuit and The integration of the team, the lofty moral cultivation, and the strong will, must be able to withstand the ordinary, based on the ordinary, indifferent to fame and fortune, and courage!


Part 3: 2019 Bank Front Desk Integrated Teller Self-identification

XX is the second year of my work. I think that for a year, although it is hard but valuable, I have learned a lot of things that are not in the books. I worked hard to improve my business, humbly learn from my seniors and customers, and I was recognized and supported by the leaders. I was also named as “Industry Advanced Worker”. Below is a summary of my work in the past year.

I. Basic work in XX years

Attach importance to theoretical study, consciously strengthen the study of relevant financial policies and laws and regulations, build a strong theoretical knowledge structure, and constantly improve their overall comprehensive quality.

XX year is a special year. The introduction of new loan regulations and the revision of relevant systems have brought about tremendous changes in the current business development. Although as an ordinary front desk integrated teller, I know as a comprehensive Tellers, without strong business theory support, can not provide customers with perfect and efficient services, in order to comprehensively improve their comprehensive quality, keep up with changes in policies and regulations, I consciously use the rest time, systematically learn the relevant rules and regulations and new The various files issued have made them have a more comprehensive understanding of the current policies and rules and regulations, and can also give correct feedback and answers to the customer business consultation on the daily counter.

In addition, in order to quickly adapt to the needs of financial work in the new era and enhance the systemic and continuous nature of overall business learning, over the past year and more, in a modest and prudent manner, I have carefully studied various financial knowledge and closely followed them. Current affairs politics and giant economic trends. For all kinds of archives and materials issued by the Associated Press, it is not only simply staying at the level of understanding, but also paying more attention to the integration of various materials and applying what they have learned. Through daily work, Accumulating work experience has greatly improved in terms of comprehensive business capabilities, comprehensive analysis capabilities, coordination of work capabilities, and verbal and verbal communication skills.

In order to ensure the relevance and effectiveness of learning, I have seized the opportunity of learning, actively participated in various training and skill examinations of the Associated Press and grassroots organizations, and paid attention to the actual situation, timely feedback, review, and timely solve their own problems and obtain A certain grade and progress.

In terms of work, earnestly perform the duties of the post and do a good job in the job.

XX is a year in which our social service excellence project and refined engineering are carried out in depth. As a front-office integrated teller, I love my own work and always ask myself to treat every job carefully and carefully. In the process of business handling, we strive to handle every business with heart, sincerity, confidence, patience and care, and receive every customer. With the goal of "customer satisfaction, business development", we will devote ourselves to business skills, flexibly embody various financial policies and spirits in our work, and establish a good window image of dedicated service. We will have a voice, a voice, and a voice. There is a voice, so that every customer is happy and come back with satisfaction. The current counter work makes me face many customers every day. In order to provide customers with efficient and high-quality services, I often remind myself that "customer is God, understanding is the beginning of communication". In busy work, I insist on doing a good job. Smile service, patiently and meticulously answering customer questions, there has never been a customer complaint or dissatisfaction for personal reasons in the past year.


Chapter 4: Bank Savings Tellers Dedicated

Time flies, I have already gone through five spring and autumn with the ** bank. When I was a newcomer to the society in August XX, I was in the eyes of the ** bank with full of enthusiasm and good enthusiasm. Since I entered the business, I have been working in the first-line counter. In the atmosphere of the bank's management philosophy of “exciting and forging ahead”, with the help of leaders and colleagues, I have always strictly required myself to study professional knowledge. Improve professional skills, improve business quality, work diligently in different jobs, experience is increasingly rich, more and more confident to provide satisfactory services to customers, and gradually grow into the backbone of the new district branch business. In the past five years, in the big family of the ** bank, I have gone from ignorance to maturity, on the road of my choice, diligent self-discipline, love the post as home, the pace will be more firm and more confident.

First, hard work and hard work

At the beginning of entering the bank, I was placed in a savings and cashier position. I often hear people say: "Saving cashiers is a boring and boring post, and there are things that are too busy." I was scared when I first came into contact, but the character of not admitting decided that I would not admit defeat, and that it was five years in this position.

At that time, I can say that it was from scratch, the business was unfamiliar, the skills were weak, and I often encountered difficulties in handling the business. The strong frustration made me feel "comfortable" with myself in my heart, and I have to do the most. it is good. I will actively and conscientiously learn new business and new knowledge on weekdays. I will ask the leaders and colleagues for advice when I don’t understand. I know that to provide quality services to our clients, we must have a solid financial expertise and basic skills. As the saying goes, "The industry is good at diligence and absurd." To this end, I have set myself a "four points", that is: get up early, sleep a little late, take a little rest at noon, usually play less. After the shift, I was accompanied by a subpoena, keyboard, and banknote paper. Every day, every day, like a sponge, it is necessary to learn business and practice basic skills. Compared with other skills, counting money is my weakness. In order to improve the speed and accuracy of counting money as soon as possible, I humbly ask the experts in the bank to ask for tips and experience, and correct their own irregular actions. Practiced over and over again, although it is already very tired after a day of work, but with the love of ** banking work and the steadfastness of never giving up, often practice late into the night. When I got a call from my mother, I always said that I had a good time to let her take care of herself. In fact, I only know how much I feel. In order to adapt to the requirements of the job as soon as possible, I only went home once a year to reunite with my family. At other times, I used to study and work constantly. The hard work pays off. After long hours of hard work, my overall skills have been greatly improved.

I always have a full working enthusiasm and a good working attitude in the daily service. **Bank is a young bank, and every customer is hardworking and hardworking. This not only requires us to have skilled business skills, but also requires us to provide them with fast and quality services according to the different psychology and needs of each customer. In my daily work, I have spurred myself with the service concept of “Building a Brand by Bit by Bit”, starting with every little thing. I remember one time when I was about to get off work, a customer rushed in with an anxious look, saying that his card and ID card were stolen and asked to report the loss. In accordance with the regulations, it is necessary to provide a valid certificate, but the customer who is in focus, I will comfort the customer and let him not worry; when restarting, I will check according to the ID number provided by the customer, find out his card number, and assist the customer. Hang through our 95577 customer service phone to avoid possible losses. Such small things happen often around us. Although they are trivial things, these small things reflect the quality of employees and the culture of the company. My post is a small window. It is the link between the bank and the customer. My words and deeds represent the image of the bank. For this reason, I often remind myself to insist on doing "three-tone service" and "standing." "Service" and "smile service", patiently and meticulously answer customer's questions, face the rudeness of individual customers, cleverly respond, and not hurt the gas; and praise the customers, be modest and cautious, guard against arrogance. Never say “no” to customers, and try to meet their business needs without violating the principles. I always adhere to the "customer first" thinking, to treat the customer's affairs as their own affairs, to change the thinking of the problem, to rush the customer's urgency, to think what the customer thinks. Different ways of working for different customers, and strive to provide customers with the highest quality and satisfactory service.

After continuous hard work and continuous training in the actual work, I have now mastered the relevant business and rules and regulations, and gradually grew into a business expert. At this time, I gradually realized that whether it is saving or accounting is challenging. The important thing is how to do it well and do it better.

With the development of the business, the business volume of the new district branch has been increasing, the number of business has increased, and the business volume of the savings window has risen sharply. In order to work overtime, I am actively involved. When the festival is reunited with relatives, this time I am still busy working, always feel that it is difficult for parents in the distance to take care of them. But when you look at the customer's satisfaction, you will feel comforted in your heart; everyone's happiness is worth the happiness of everyone. As the business increases, the efficiency must be improved. This forces me to constantly remind myself that I must be serious and serious in my work, be cautious and cautious, and strictly follow the rules and regulations established in the line to handle various businesses. Make the savings work fine, good, and refined.

Second, unity and cooperation, common progress

Bank work requires collective solidarity and cooperation. The strength of one person is always limited. As an old employee, I am not only satisfied with doing the work in my own hands, but also paying attention to the role of communication, help, and taking the initiative, actively, enthusiastically and patiently helping new colleagues to adapt to the new environment and adapt to new positions. Adapt to new work, make them more familiar with related business and better master business skills. Combined with my own experience as a newcomer, I pay attention to guiding them from the account, rather than teaching them how to make simple menu operations. In my usual work, I also told my work and study experience without reservation. I think that such a teaching method is not necessarily the best, but it will definitely let them learn the essence of business knowledge points, learn to integrate and make inferences. The new district branch had four new colleagues joining last year. Although they have certain financial expertise, they still lack the skills to operate the cabinet. In order to enable them to get on the job as soon as possible, I am patiently trained in the operation of the charter, and especially in strict accordance with the rules and regulations, business processes, people go to the chapter, drawer lock, computer exit screen, etc., develop a good Work habits. For their weak link - skills, also tell them their usual practice, for their reference. Through a two-way effort for a period of time, they have been able to perform single-person operations. To lay a solid foundation for the new district branch to carry out better work. Only when the overall quality is improved, the accounting business level of the branch can reach a higher level. Everyone works together to work happily in the warm family of the new district.


Chapter 5: 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.