Bank president's work summary

Leaders, delegates:

According to the requirements of the city branch, I am now appointed as the Governor of the Postal Savings Bank ×× County Branch, as reported below, please comment.

I. Performance of duties

I came to work in XX County in February 2019. In April 2019, the XX Branch of the Postal Savings Bank was established. I was appointed as the president of the branch. For nearly eight months, I was the head of the XX County branch. How? I have fulfilled my duties and ensured that all the work of management has been put in place, and strived to create a good internal and external environment to provide conditions for the sustained and rapid development of the postal financial business of XX County. I feel that the responsibility is great and the mission is insulting. I always believe that as the “top leader” of the branch, I am responsible for the superior, responsible for the enterprise, responsible for the team, responsible for myself, and responsible for the 28 cadres and employees of the entire branch. I can always work in a good spirit and pragmatic. Work style, unite the leadership team, stabilize the internal environment, enhance external communication, strengthen basic management, innovate business ideas, and promote the effective development of work.

In general, I started from the following aspects:

Coordinating the formation of sub-branches to ensure solidarity and stability

First, correct your position, communicate more with each other, report to the higher level, and create a harmonious situation. Second, with the strong support of the leaders at the higher levels and the leaders of the county post office, the organization and coordination were actively organized and steadily and steadily promoted. The Zhengzhou Branch of the China Postal Savings Bank was established as the first county-level sub-branch in Hanzhong City on April 8. The third is to successfully receive two first-class outlets and 28 employees who have been divided, and strive to do a good job of unity and stability. Fourth, the three departments of the Integrated Management Department, the Integrated Business Department and the Accounting and Accounting Department were set up as required, and the department managers who were selected and appointed by the public were selected to ensure the normal development of the work of the sub-branches. The fifth is to cooperate with the post office to carry out the theme education activities of “collecting common development and creating the future together”, organizing a variety of ideological education activities and labor competitions, ensuring the sustained and steady development of various financial businesses led by postal savings, and continuing to The overall development of ×× County Post Finance is a good support service. Sixth, on the issue of principle, the insistence of persistence requires flexibility and flexibility after reporting to the higher authorities. At the end of December, the treasury duty work will be smoothly handed over to the postal code according to the file regulations.

Grasping business development and improving operational efficiency

As a person in charge of the branch and the role of the postal financial business leader in XX County, I feel a lot of pressure. In the face of the reform of the postal system, the impact of the 5.12 Wenchuan earthquake and the new environment and new situation under the financial crisis, I have always been stronger. It is our duty to do the postal finance business of the XX County, and lead the cadres and staff to unswervingly grasp the development and pay attention to the benefits. In the business management, we pay attention to the general direction and pursue high efficiency. Let the young employees who have the ability and want to be officers to explore and work hard. To provide a good display platform for it. Through the unremitting efforts of all cadres and workers, the postal financial income of the whole year was 17.81 million yuan, a year-on-year increase of 37.64%. The bank's own income was 5,936,400 yuan, accounting for 33.33%, and the scale and efficiency were simultaneously improved.

1. Always adhere to the liability business and agency business as “the foundation of the bank”.

On the basis of gradually reducing costs, the savings business has continuously accelerated the transformation of growth mode, and continued to increase investment in key windows, key time slots, key customers, key projects, people, finances and materials, and paying close attention to scale development. First, the business department is required to combine the characteristics of capital flow in different periods, and carry out a variety of labor competition activities to mobilize the enthusiasm and urgency of the development of savings business at all levels. Second, vigorously advocate the continuous development of payment and payment services, green card business, deployment of Chinese business alliance, the realization of the scale of demand deposit capital transactions, and gradually achieve the goal of adjusting the deposit structure, customer structure, incremental structure. The third is to actively implement the strategy of “deep-level training, multi-directional publicity, and differentiated services”, and strive to promote the scale of sales of insurance and wealth management products to a new level. The fourth is to grasp the window service, in the case of a large number of low-end users in the window, through the increase of seats, strengthen the role of the lobby manager, the establishment of agricultural subsidies and agency counters to channel Windows customers, improve service efficiency, service capabilities and service quality. In the whole year, the balance of postal savings in ×× County increased by 316 million yuan, and the balance at the end of the year reached 1.258 billion yuan. The net increase was absolutely the second in the city, the market share reached 38.13%, the new market share was 72.66%, and the market share and new The increase in market share ranks first among all financial institutions in the county; among them, the bank's self-operated outlets have a balance of 388 million, accounting for 30.87%. The annual agency premium was 3,936,400 yuan, ranking the second in the city. Among them, the bank's self-operated outlets had a premium of 5.155 million, accounting for 13.09%; the annual sales of wealth management products was 12.945 million yuan, and the bank's self-operated outlets sold 11.78 million yuan of wealth management products. The proportion is as high as 89.43%.

2. Always adhere to the asset business as a “forced column”.

Whether the asset-based business can rapidly expand the market and establish a reputation is the growth artery of postal financial business income in the future. The small pledge loan business continued to rely on extensive window propaganda and the policy of benefiting the poverty alleviation of the Poverty Alleviation Office, maintaining a strong growth momentum. The company issued a small amount of pledge loans throughout the year to issue pledge loans of 435.807 million yuan, ranking first in the city and county bureaus. The province is in the forefront, among which the poverty alleviation loan is 23.712 million yuan, and the bank's self-operated outlets develop a small amount of pledge loans of 17.9283 million, of which the poverty alleviation loans are 6,250,400, accounting for 41.20% and 26.36% respectively. Since the opening of the micro-credit business ×× county branch as a pilot county in Hanzhong City, I have always insisted that business personnel to learn to be strong, sincerely treat customers and honest trees, and seriously participate in verifying each customer information and participating in each A trial loan meeting to ensure the high efficiency, high quality and sustainable development of the credit business, the business department organized and organized various forms of in-depth publicity activities such as TV commercials, China Post special delivery advertisements, exhibition boards and wall advertisements, and organized in October. In the silver enterprise forum, the characteristics of postal micro-credit procedures, fast lending, and low cost have won the hearts of the people. They have also been highly appraised by the relevant leaders of the county party committee and county government. The annual issuance of microloans was 9.655 million yuan, ranking the city’s county branches. 1 person, the year-end balance was 7.184 million yuan.

3. Always adhere to the company's business as the “source of wealth”.

The characteristics of “low cost and high profit” of the company's business show great potential for income growth. XX County is a large agricultural county, and there are very few benign enterprises operating independently. The company's business areas include ABC, ICBC, CCB, Agricultural Development, and Credit Union. When the five banks competed, the Postal Savings Bank wanted to occupy a place where it was extremely difficult. Therefore, my branch aimed at the anchors and the financial resources that had established a cooperative relationship with the post. The company's business mainly relies on relationship marketing, as the president of the company, and arranges the full-time customer manager to maintain the relationship between the finance bureau and other related units for a long time. In the special marketing activities for the transfer of funds for the transition of farmland to forests, I personally lead the business. The personnel went to the Finance Bureau and the Agricultural Development Bank several times to coordinate the multi-party relationship. Finally, all the funds of the Finance Bureau's Agriculture and Forestry Branch in the Agricultural Development Account were transferred to the Bank, and laid a solid foundation for the advance transfer of the special funds in 2009. The People's Bank of China is also very principled in the process of normal operation of the Bank's business, participation in city exchanges, and approval of financial accounts. In the end, I have established a good relationship with the People's Bank through various aspects of coordination and rationalization. The company's business did not make special contributions to the city branches at the end of the year, but it has accumulated certain work experience through the preliminary exploration and practice. I have the confidence and determination to make the company's business truly become another source of power for the income growth of the XX County Branch. By the end of 2019, a total of 19 households had been opened, of which 16 were valid households, 9 accounts had business, and the balance was 7.35 million yuan. Now the agreement has been reached with the Finance Bureau and other units. It is believed that the company's business will have a great development in 2019.

Strengthen risk control and improve service levels

Due to the continuous expansion of the new business market, in the case of serious shortage of human resources, I have always insisted on establishing the risk awareness of all the subordinates, all of whom are important responsible persons for risk prevention and control. Risk prevention and control is not just an audit work, but also It is not just the matter of the chief of the branch. It is required that everyone from the president to the salesperson should strictly abide by the rules and regulations, first put the risks of their duties, and cooperate with each other. After the establishment of the bank, a third-level license is required. On-site management, such as the implementation of the right, the transfer of tickets, and other new heights, gradually changed from after-the-fact supervision to the control of the matter and prevention beforehand, and explored a set of risk control system suitable for its own development and conforming to the current situation.

With the increase of various types of agency projects, the pressure on the window service of the postal financial business has increased sharply in the past 10 years. Due to the shortage of personnel, the pressure on the service of the sales department after the transfer of three people is unprecedented. I insist on visiting the window every day. Service status, and require relevant management personnel to do their best to assist the sales department to do the maintenance and on-site operation organization of self-service machines, and set up for low-end customers in rural areas with large number of business, small amount and low cultural quality. The "agricultural subsidy fund counters" greatly changed the embarrassing situation of window chaos and slow speed, laying a practical foundation for further opening up the green channel of vip users. In general, the various types of wages and farmer subsidy funds in the past two years have been recognized by the community.

Strengthen study and practice, and do a good job in self-discipline

First, consciously strengthen the study of the theoretical knowledge of economic planning management, strengthen the conviction, broaden the thinking, and maintain a high degree of consistency with the municipal branches in politics. The second is to consciously and conscientiously accept the various trainings of the head office and the provincial and municipal branches, and to integrate the training and learning into the actual work, and to apply what they have learned. The third is to be a person, to be honest, to be honest, to work hard, to always work with a strong sense of professionalism and responsibility, full of enthusiasm, to strive to use their own actions to inspire people, to influence people with their own image, to use their sincerity Impress people. Fourth, in dealing with working relationships, pay more attention to grasping their role positioning, consciously maintaining the overall situation and maintaining unity. The fifth is to consciously strengthen the study of party spirit, party style, party discipline and clean government, pay attention to the common sense of greed, often self-discipline, self-review and inspection, without violating the central, provincial and municipal party members and cadres integrity and politics. State-owned enterprise cadres' integrity and self-discipline. Sixth, in the management work, we fully promote democracy and take the lead. We always think that as a leader, how to tap the potential of employees, how to ensure the sustainable and healthy development of enterprises, and how to increase the income of employees is the greatest contribution to enterprises.

Second, the existing shortcomings

1. The strict implementation of the internal control system of the supervision needs to be further improved. Some management leakage occurred during the process of handling the small pledge loan business.

2. After the establishment of the bank, faced with new business ideas and strategic vision, with the rapid launch of many new businesses, I often feel that many aspects of business knowledge are relatively lacking, and there is an urgent need for charging.

Third, the next step of the direction

1. Constantly study advanced theories and experiences, improve their own abilities, promote integrity, dare to be first, and first maintain their advanced nature, and then maintain the county competitiveness of XXX Post Finance.

2. We must boldly reform, innovate constantly, and always maintain a strong fighting spirit, always adhere to scientific development and standardization management, so that the XX County branch will reach new heights in the next year's team quality and development ability, down-to-earth, and grasp each step by step. The implementation of the work, conscientiously implement the requirements of the higher level, and accelerate the development of the postal financial business of XX County.

3. The development and growth of the Postal Savings Bank is inseparable from the development of the county economy, and it is inseparable from the postal service. At present, the market expansion of many businesses has to rely on the postal period formed by the postal development period in recent years. Financial terminal entities and a broad customer base. Therefore, in the next step, I will try my best to practice the essence of the theme of "collective development and create the future together". On the basis of continuously strengthening horizontal links with county party and government organs, various departments and inter-bank financial institutions, and working hard to coordinate various relations and contradictions, Further strengthen communication and cooperation with the leaders of the county post office to create a postal financial brand of XX County, promote the sustained, rapid and coordinated development of the postal finance of XX County, and effectively enhance the influence and competitiveness of the enterprise.

4, wide open words, mistakes must be corrected, protect the party safe and stable, calmly face the staff