2019 Bank Vice President's Debrief Report

In xx years, in accordance with the division of work of the heads of the ** sub-branch, I will be in charge of the company department, the real estate finance business department, the risk management department, and the old cadre office in January. In February and August, I will be in charge of the accounting department, the risk management department, and the credit approval department. The old cadre office, in charge of the risk management department, the credit approval department, and the old cadre office from October to December, studied at the Changzhou Training Center in September. I will now report my duties in the past year as follows:
1. The completion of major business indicators increased by 280 million yuan to the time of public deposits, with an average daily increase of 380 million yuan;
Corporate loans increased by 870 million yuan;
The income from intermediary business reached 56.4 million yuan, and 106% of the provincial branch plan was completed;
A total of 476 million yuan of corporate real estate loans were issued, with a total recovery of 475 million yuan; a total of 153.65 million yuan of personal housing loans were issued.
Second, the performance of the job
1. Strengthen self-cultivation and improve management standards.
Actively participate in the theoretical study of the Central Committee of the Party Committee, adhere to the combination of centralized learning and self-study, and actively participate in various types of centralized training organized by provincial branches and ** sub-branches. The main contents of the study include leadership science, management science, innovative thinking, business strategy and strategy, and risk. Investment, etc. During the study period of Changzhou Training Center, systematic learning management theory and case, broadened the horizon, enriched the knowledge, and the management and management level was significantly improved.
Adhere to the principle of honesty and self-discipline, lead by example, work diligently, adhere to the duties, and work hard to ensure that the party committees are satisfied with the work they are responsible for. As a member of the leadership team of the branch, it is necessary to lead by example, manage well the work that is in charge of the work, and do a good job of unity and be a good staff and assistant. I can do a good job with all the members of the team, take the initiative and humbly listen to everyone's opinions, consciously safeguard the unity and cooperation of the team, resolutely obey the resolutions of the party committee, and never specialize. I can actively think about problems and solve problems in my own work, and take the responsibility to complete the work satisfactorily.
2. Close to the market, close to customers, establish a scientific development concept.
According to the division of work, I was in charge of the work of the company's business department, real estate finance business department and other departments in January. In January, the “Opening the Door” competition was launched, which laid the foundation for the healthy and stable development of the business throughout the year. In the business development, the Bank has always established a scientific development concept, identifying the focus of business development, focusing on the market, focusing on customers and actively expanding the market. Initially completed the market and customer segmentation work, large-scale, detailed mapping, segmentation and segmentation of customers with deposit balances of more than 1 million yuan, and formulate specific marketing plans for the current customer structure of the Bank: for high-end High-quality customers, such as transportation, business and other industry customers, large customers, key customers, etc., provide "intelligence" services, enhance marketing levels, thereby enhancing customer satisfaction and dependence on the Bank; for ordinary customers, "Activate small and medium-sized accounts, enhance account contribution" special activities, strengthen communication through telephone, visits, etc., highlight the special business and products of our bank, timely marketing, activate accounts, and enhance the contribution to our bank, such as for small households , activate first, improve the utilization of the account, gradually tap the potential, increase the stock. In the development of real estate finance business, adopt the business strategy of “investigating market segments, researching integrated resources, optimizing credit structure” and vigorously developing high-quality customers, such as marketing large-scale customers such as real estate and foreign trade development headquarters, and fully reserve The high-quality real estate resources have promoted the healthy and steady development of the personal housing loan business. At the same time of business development, we pay great attention to adjusting the credit business structure and optimizing the allocation of credit resources. According to the different levels of customer quotas, we will use interest rates as leverage to carry out different levels of interest rate adjustment within the scope prescribed by the Bank, and gradually withdraw from some enterprises with small assets, general operations, and small contribution to the Bank, and invest limited resources. To high-quality customers, quality resources, and strive to maximize the value with limited resources. At the same time, on the basis of consolidating and tapping the original customers, innovating the marketing mechanism, actively expanding new business areas, and increasing the credit funds for key industries and key customers in line with the national industrial policy and the credit policy of the head office, and promoting the Bank. Customers and business structures are gradually becoming more reasonable.
3. Improve risk awareness, strengthen risk management, and strive to achieve "double down."
In 2006, the Bank took the improvement of asset quality and prevention cases as one of the important tasks of the work, further intensified efforts, speeded up the pace, adopted effective measures, and established a long-term mechanism to promote the “hard battle” of distressing assets and preventive cases. . According to the overall deployment of the “Defense Prevention and Prevention Cases, Management and Development” campaign conducted by the Head Office, the Bank put forward the working ideas of “innovating supervision methods, strengthening supervision, expanding supervision scope, and ensuring supervision effects” to ensure the quality of credit assets. “Double mention and double drop” is the starting point and the foothold of risk management work. The risk management work is carried out around “compressing non-performing loans and holding new non-performing loans”. Active thinking in the work, bold exploration, innovation, always adhere to both pre- and post-event management, and risk prevention throughout the entire process of credit management. While fully compressing the non-performing loans, strengthen the early warning and basic management of the normal and incremental loans, and strictly perform the duties of credit supervision from the three stages of pre-lending, lending and post-lending, to ensure the sound operation of credit business. . At the same time, actively carry out the promotion of “risk management platform project”, strengthen the basic management and internal control construction in accordance with the requirements of institutionalization, standardization and refinement, complete the preparation work of site file preparation and risk platform construction, and write a total of 120 file sites. At present, the trial operation has been completed, and the promotion work is progressing smoothly, laying the foundation for comprehensively improving the risk prevention and control capability and promoting the healthy development of the business.
4. Transforming the working concept, establishing a capital-based risk and benefit constraint mechanism, and strengthening financial resource management First, earnestly study and understand the spirit of the provincial branch management and financial planning work, and constantly revise business management behavior. Specialized training courses were set up, and all the core personnel of the Bank, such as management personnel, account managers, full-time loan approvers, and accounting supervisors, learned the spirit of the provincial branch management and financial planning work in batches, and studied the modern commercial bank in detail. Management knowledge, including the structure of joint-stock company, comprehensive risk management requirements, value creation ability, economic value added, economic capital return rate and other basic concepts of calculation, influencing factors, etc., from concept infusion to mandatory constraints, so that value maximization becomes Consciousness assessment standards and action guidelines for management personnel at all levels of the Bank.

The second is to promptly revise and introduce a new comprehensive assessment method, and adjust and improve the employee salary distribution method. In order to give full play to the policy-oriented role of comprehensive assessment in business development, the Bank revised the comprehensive assessment method in a timely manner, and adhered to the principle of “distribution according to work, efficiency priority, fairness, fair competition, standardized management, and easy operation”. Profit indicators, implement differentiated management, comprehensively consider the operating characteristics of the outlets, market development potential, input and output benefits, personnel scale and other factors to conduct business objectives assessment of the Bank, the indicators are more scientific and reasonable, greatly stimulating the Bank's operational vitality, Mobilized employee enthusiasm.
The third is to increase cost management and strictly control expenditures. It has successively formulated the "Notice on Strengthening the Management of Expenses and Expenses at the Level" and the "Notice on the Release of the 2006 Expenditure Budget at the Main Level", etc., further clarifying the cost budgeting procedures, the fee approval process, and the cost management responsibility of each centralized management department. , strict cost management system. Consciously maintain the mandatory and seriousness of the financial budget, start with the optimization of the expenditure structure, strictly approve the procedures, increase the compression of key projects, and maximize the effectiveness of expenditures. The budget system is implemented for the expenses of the headquarters, and the cost management department and the operation department shall formulate detailed and specific cost reduction measures according to the cost categories, and focus on compressing the low-value consumables, computer consumables, hospitality, propaganda supplies, printing fees, etc. of the headquarters. The project will effectively stop unreasonable expenditures. Under the premise of ensuring the rigid cost of the business outlets, the non-manpower expenses of the business outlets such as vehicle usage fees, maintenance fees, and utilities are greatly reduced.
The fourth is to increase the disposal of idle assets and reduce unreasonable capital occupation. Fully implement the business philosophy of value management and maximize the reduction of idle assets. The idle asset processing team was set up, and special personnel were dispatched to fully clean up and compress idle assets, optimize capital occupation structure, and improve business performance. According to the actual situation, a detailed asset disposal plan has been formulated. The real estate and vehicles that meet the disposal conditions have been disposed of according to the procedures. Successfully auctioned 4 idle properties, compressed net worth of more than 3 million yuan; completed the disposal of 5 idle cash trucks, with a net compressed value of nearly 140,000 yuan.
5. Strengthen the quality management of credit approval and improve the efficiency of examination and approval.
Credit approval is the general gate for controlling credit risk and improving asset quality, which is particularly important in all work. The Bank strictly controlled the quality of credit approval and continuously improved the quality of credit approval. According to the business requirements and the approval process, the company has made a commitment to the approval projects submitted by the outlets, and adopted a single credit service for the approval of the general credit line to ensure the approval within one working day; for the low-risk credit business, Each outlet will go to the designated approval point for approval, and will be guaranteed to go with the batch; the quota level will be approved at the same time as the project under the credit, and the conclusion will be issued within 2 working days; for the personal credit business, 1-7 Completed in 4 working hours, 8-15 pens completed within 1 working day, 15 or more completed in 2 working days; for projects submitted to provincial banks for approval, single report project 3 working hours The internal review is completed. At the same time, we will do a good job in returning visits and research work, and organize the approving personnel to the loan enterprises to conduct project research and on-site exchanges, so that the theory and practice can be combined. At the same time, according to the requirements of the provincial branches, the credit business survey and cotton textiles in the development zone have been completed. Special research activities such as industry, real estate, and personal loan business, through the analysis and research of loan projects, further improve the quality of loans and prevent credit risks, and played a good role in the objectivity of the loan decision-making secretarial home wmjy.net.cn.
6. Strengthen the management of veteran cadres and maintain the stable thinking of the veteran cadres.
We will conscientiously implement the principles and policies of the Party Central Committee and the State Council on the work of veteran cadres, implement the "two treatments" of veteran cadres, basically maintain the same political treatment, and give a slightly better life treatment. We have earnestly respected veteran comrades in politics and cared for old comrades in life. . Major events held in the line, convening work meetings, workers' congresses, etc., all invited veteran comrades to participate, listen carefully to their opinions, and guide them to continue to contribute to the reform and development of CCB. Adopt a combination of concentration and self-study, organize them to study the spirit of the 16th National Congress of the Communist Party of China and the spirit of the Fifth Plenary Session, learn the relevant archives of the CCB system, and organize them to deepen their understanding of the important thinking of the "Three Represents". Visiting and studying in Luoyang has broadened their horizons, updated their concepts, promoted understanding and support for reform, and enhanced their confidence in building a distinctive socialist cause. Encourage retired cadres to go to the old university, and enrich their life in the later years through the registration of paintings and computer classes. Actively organize old cadres to participate in literary and sports activities such as goalball, billiards, fishing, painting and calligraphy competitions, which are beneficial to physical and mental health, and improve the quality of life of veteran cadres.
Third, during the performance of duties, integrity and self-discipline, strict requirements themselves, no major work mistakes.
Finished