Bank annual work plan

New year, new starting point, new journey, new goals. The annual target plans given to the Bank by the City Bank are as follows:
Deposit plan
1. The RMB deposit plan is 46 million yuan. Among them: the savings of 27 million yuan to the public is 19 million yuan.
2. Interbank deposit plan is 4 million yuan
3. Foreign currency deposit plans for 500,000 yuan of non-performing assets
1, clearing 2.6 million yuan
2, revitalize 1.3 million yuan
3. Preservation of 3.4 million yuan of non-performing loan control balance
1, four categories of 54.61 million yuan
2, five-level classification of 58.85 million customers exit
1. Potential risk exits 4.91 million yuan
2. The factual risk exits 1.38 million financial plan
1. Book profit of 10 million yuan
2, digestion of 150,000 yuan
3. The actual profit is 10.15 million yuan
4. Intermediate business income of 500,000 yuan in intermediate business plan
1. Agency fee is 120,000 yuan
2. The international settlement volume of 8 million US dollars this year is the first year of the sales department changed its name to xx branch. This year's work and operation directly affects the healthy, sustainable and coordinated development of the Bank. The idea established by our bank is to implement the spirit of the provincial and municipal working conferences, firmly establish the business philosophy of running a commercial bank, and continue to adhere to the market-oriented, customer-centered, and profitable business with the “three-to-one management” campaign as the main line. As a goal, we must focus on improving efficiency, vigorously expand the market, seize opportunities, and accelerate development. To do this, develop the following work plan.
First, fully promote the "three innovations"
The first innovation is technological innovation. It is necessary to speed up technological innovation and provide strong technical support for accelerating development. We will focus on the advancement of science and technology as much as possible, strengthen the construction of hardware facilities; maintain and make full use of existing technology facilities, especially the ABIS system; continuously research and develop financial products that combine technology with business operations and internal control management, and the business office should accelerate Speed ​​overcomes technical difficulties, launches online banking as soon as possible, and actively expands the development and application of scientific and technological achievements such as automatic banking, telephone banking, and mobile banking when conditions permit, and strives to create a new generation, large front-end, intermediate business, and network. The Bank has applied four technology platforms.
The second innovation, business variety innovation, in addition to utilizing the traditional business variety, we must rely on the strong support of scientific and technological progress, and constantly develop and utilize new and attractive financial products based on the diversified customer needs that keep pace with the times. Products, such as new agency business, Tonghuibao, Yinzhentong, treasury bond portfolio deposit, education savings, pension savings, Golden Century debit card, campus card, quasi-loan card, silver transfer, Western Union, private wealth management, export Tax refund pledge loans, car consumer loans, etc., continue to create more influential and attractive business brands. In the specific operation, we must pay attention to the comprehensive use of business varieties, try to provide customers with comprehensive product portfolio services, highlighting the characteristics of our bank.
The third innovation is service innovation. While doing a good job in traditional financial services, we will actively provide customers with comprehensive services such as economic and financial information, escrow safes, investment consulting, personal wealth management, and banking and banking, and continue to establish large customer service centers. "One-stop" service, and gradually let the first-line staff to master the English service in response to the increasingly prominent financial internationalization.
Second, adopt the "seven-entry" strategy
1. Persevere in unremitting efforts to increase efficiency, expand market share, and take deposit work as the top priority to develop and forge ahead.
Deposit is the foundation of the bank and is the source of development. Deposit work is a key factor restricting the development of our business. We must continue to promote competition awareness, strengthen market marketing, segment target customers, and adopt differentiated services.
1 Update concepts, raise awareness, and firmly establish the business philosophy of large deposits and great development. We must think about the problems and do things from the height of the survival and development of the Agricultural Bank, and overcome the simple task concept and the slightly advanced thinking in the deposit work. Organizing funds is not only the need to solve the financial difficulties, the need to achieve substantial increase in profits, but also the need to meet challenges and participate in competition, but also the need for survival and development.
2 Increase market marketing efforts and improve market competitiveness.
Focusing on marketing, we must base ourselves on the development zone, expand the marketing area to the whole city, put the marketing center in the education, military, and public institutions, set the marketing main body in the community service, and extend the marketing reach to the marginal village. Set the marketing variety to education savings, use all available relationships, take all possible ways, plan, grasp information, lead the battle, everyone participate, and strong marketing.
3 Taking the opportunity of “welcoming the New Year's Quality Service Competition”, we will issue a plan of work plan for each department according to the established goals, supervise the notice, implement monthly assessment, reward and punishment according to the month, and complete the task with the spirit and material. Reward, for the person in charge of the task that is not the task and sorted the last one, dismissed on the spot, and the individual who is not able to complete the task and sorted the latter one is laid off. Strive to lay a solid foundation for the year-round deposit work in the first quarter. Use various media to increase publicity, and hold key customer forums, write slogans, pull banners, and issue publicity pages. Grasp the positive and negative aspects of the two, and use advanced deeds and model figures to boost morale and uplift the spirit.
2. Actively marketing and strengthening management, increasing the vitality of the closing and closing, and improving the quality of assets as the top priority, and vigorously promoted.
1 It is necessary to continue to implement the new credit rules, optimize credit business processes and improve credit efficiency under the premise of preventing risks. Focusing on the limited loan resources to support the market and the Bank's identified key customers with only industry monopoly, income stability and high technology content, such as the city's communication project loans to improve credit quality and increase interest income.
2 It is necessary to strengthen post-loan management, improve post-lending management system, standardize post-loan management content, set post-lending management high-voltage line, set post-loan management “high-voltage line”, and regularly write customer risk analysis report. It is necessary to link the post-loan management work with the promotion of customers or customers to withdraw the plan, to resolve risks and improve quality.

3 In addition, on the one hand, we must conscientiously grasp the credit withdrawal work, study the existing credit customer structure basis according to the standards set by the head office, clearly clarify the specific scope of the customer and the scale of the loan, and the responsibility of reasonable tooth withdrawal, on the other hand, the facts have been formed. Risk loans, the implementation of the "first-hand project" president personally led the asset management department to subcontract management, the relevant president and the comrades of the operation department's benefit wages, linked with the performance of the revitalization, strict assessment, the same award with the same penalty. This year, we will reap the interest rate of the original company, sell the assets of the forest technology station, and handle the public relations of the shipping department, and take out the spirit of the ants and bones to achieve a big breakthrough.
3. Take international business and personal business as new profit growth points, increase revenue, reduce financial pressure, and strive to ensure the profit plan is completed.
In the case that the regular business market is basically fixed and the development cost is high, we must actively market, and the business advantages that other banks cannot match are international business and personal business, and fully realize their potential to increase revenue.
1 Our international business has made breakthrough progress last year. In order to stabilize the customer base, we still need to actively explore new customers this year.

"The courage to market some growth and excellent export-oriented customers, to handle the foreign exchange settlement and sales, to attract foreign currency deposits, to issue export pledge loans, mortgage loans, and other high-yield loans. Fundamentally, actively intervene, prioritize, and strive to complete the goal of increasing the amount of international settlements and increasing the dollar deposits of Qianyuan.
2 The business advantage of financial supermarkets has gradually emerged. Under the premise of ensuring the quality of loans, we will continue to vigorously carry out personal consumer loans, fund-raising construction loans, automobile consumption loans, second-hand housing mortgages, etc., on the basis of the original scale. Breakthrough. After the conditions are ripe, we can also participate in the emerging personal business such as individual travel credits and high-end consumer goods loans in the personal credit rating business according to the principle of “active safety benefits”, and increase the propaganda efforts to truly polish and scream the personal business’s Jinming brand. , became a business highlight of the sales department.
4. Strengthen the construction of internal control system, and build the construction and construction work as the total safety valve, and steadily advance to the accounting “three irons”.
Through several years of hard work, the honor of the Bank's internal control management class has been maintained for three years. We must not be taken lightly. We must be arrogant and intimate. We must follow the requirements of the internal control management system to establish a chapter and establish a system to manage our business. Incorporate into the legal and normative track, and steadily move toward the "three railways" of the accounting system.
1 Raise awareness, strengthen leadership, and earnestly strengthen the basic work of accounting. While improving economic efficiency, strengthen the organization and leadership of standardized management of accounting basic work, and set up a special leading group in accordance with the "Regulations on the Standardized Management of Accounting Basic Work of Agricultural Bank of China" Requirements, combined with this year's "accounting basic industrial work standardization assessment and acceptance" work, the annual target plan and long-term planning, and take effective measures to ensure the smooth implementation of the plan.
2 Continue to implement the system of class teachers in business units, improve internal management, and prevent and resolve operational risks.
On the one hand, we must attach great importance to the importance of supervision by the class teacher under the new generation comprehensive application system, and give full play to the pre-risk prevention and post-event control of the class management. On the other hand, the class teacher insisted on working in the counter, not allowing the teller and the field to implement the regular rotation system, and strictly fulfilling his duties and duties, carrying out immediate supervision and auditing work, supervising and reviewing matters such as the previous working day. . At the same time, the existing stocks, valuable documents, important blank vouchers and custodial collaterals and collaterals are checked and checked from time to time.
3ABIS business outlets should strengthen the management of cash, important blank vouchers, bank, credit, accounting and accounting services, safely and steadily implement the form of reviewing labor combination to prevent the occurrence of errors.
4 Implement the cross-checking work of the corresponding internal posts and formulate corresponding measures. Conduct regular cross-checks at regular intervals or irregularly, and timely rectify the problems found. If similar problems occur again during the inspection of the superiors, the responsible persons will be strictly investigated. And the responsibility of the manager.
5, strengthen service awareness, improve service quality, the service as a gold signboard to hang, to promote development by service and strive to expand.
1 To expand the service space, we must overcome the idea of ​​“sitting in the real estate bank”, actively change the working ideas, establish a service awareness of “going out, finding the door” and actively marketing, and vigorously carry out the activities of “financial community service into the million”. Four days out of each month, select the backbone of the business, go deep into the various residential quarters, introduce the variety of services of the Bank, convert the residents into banknotes, explain financial common sense, etc., and truly root the service brand of Jinming into the hearts of the general public.
2 Cultivate high-quality service talents. The current service includes “smile service”, “stand-up service” and “one-stop service”. It is not enough to have comprehensive quality such as financial management, English understanding, and fine agency to deal with different customers. Different needs. Therefore, we must make great efforts to cultivate high-quality talents.
3 development service varieties. On the basis of traditional services, we must actively carry out new types of services such as online banking, automatic banking, Western Union remittance, and foreign exchange wealth management to achieve diversified services and comprehensive services.
6. Vigorously carry out labor competition activities and sports cultural activities, deepen the cultural connotation of the enterprise, inject a steady stream of vitality into the enterprise, and truly strive to enter the top 100 national top 100 enterprises.
1 It is necessary to conscientiously implement the labor competition activities of the provinces and municipalities in terms of “compared profits, better than live, more than deposits, and strict management”. In accordance with their own actual conditions, they have formulated their own assessment methods, conscientiously assessed, strictly rewarded and punished, and fully mobilized employees to participate actively and actively. Sex, creativity, motivation, and spur progress, and promote the successful completion of various business indicators for the year.
2 Strengthening enterprise construction is of great significance for effectively motivating employees, establishing a good public image of Jinming Agricultural Bank, and improving overall competitiveness. It is necessary to establish a corporate tenet of creating value with customers and a modern business philosophy of win-win with customers. It is necessary to establish a corporate philosophy of creating value with customers and a modern business philosophy of win-win with customers; to establish teamwork and pursue excellence in corporate spirit. World-class banks are in line with each other. They must establish loyalty and dedication, clean and honest professional ethics, and make great efforts to integrate existing product resources, strengthen packaging design, and enhance cultural content.