Summary of the year-end work of the bank in 2019

In 2019, it has quietly passed, and the Hengnan branch is 8 months old. During the eight-month period, Hengnan Branch received high recognition from the leadership of Hengyang Branch and the county government of Hengnan County. Looking back on the 8-month journey, from February to April, we are not in a hurry to enrich ourselves, strengthen our team's construction and improvement of various mechanisms, overcome difficulties, actively innovate, and aspire to success; From May to September, we finally found the key points and breakthroughs under the leadership of the leadership team. Through the smooth opening of large projects and large institutions, we opened up the situation, stood firm and prospered, and went from door to door in October-December. Such as the city, every day full of friends, from the newborns in Hengnan County to the new darling, we are not stunned.

In the brochure of Hengnan County Zhi, we joined the name of “Building Bank Hengnan Branch” and let it go into history. We brought bank cards, credit cards and e-banking to thousands of households; let the new service concept and The brand image is rooted in Hengnan County; through the interaction and cooperation with the Hengnan County Government, it has attracted a large number of high-quality institutional enterprises. In the process of continuous development, we summarize, screen, maintain, and differentiate the hierarchical management, so that the customer structure of Hengnan Branch is continuously optimized, and the contribution of middle and high-end customers in our bank is large.

The completion of the two indicators

1 deposit

As of the end of December, my branch had a full-scale deposit of 10,000 yuan, and completed the city branch plan, including 10,000 yuan for corporate deposits and 10,000 yuan for personal deposits. Opened the public account households throughout the year, including the Treasury shares of Hengnan County Finance Bureau, non-tax stocks, Yilong Land Minerals Trading Center of Land and Resources Bureau, Yunji Industrial Park, Social Security Bureau, Highway Administration, Transportation Bureau and other high-quality institutions. Customers; there are also various national banks competing for national key projects, Xiangjiang Shipping Tugutang Power Station, Dongguan Huijing Group, etc.; and Hong Kong and Macao joint venture quality enterprise: Hengyang Zhenxing Garment Co., Ltd. opened the situation for the development of foreign exchange business of my branch... Open a personal deposit account for the whole year, including Platinum customer name and gold customer name.

2 Asset business

In the process of credit delivery, Hengnan Branch vigorously recruited the financial system with perfect financial system and good business operation as the target customer of credit delivery, and carried out detailed rating and on-site visits to target customers. By the end of 2019, our branch successfully issued Hengyang Zhongsenmu. The company's 3 million working capital loans, Hunan Shenzhou Technology Co., Ltd. and Hengnan Jingjia Quarry Co., Ltd. have done a good job in the collection and preliminary rating of customer data, and the data is approved by the higher authorities. At present, there are a number of local high-quality small and medium-sized enterprises and high-quality real estate enterprises that have credit demand for my branch.

3 Intermediate business income

The annual income from the intermediary business was 10,000 yuan. Although the income of the intermediary business is still a short-term among the indicators of my branch, the outlook is optimistic: my sub-branches asset business, settlement business, individual customer card issuance, sales of agent-specific products, etc. are gradually forming a mature network. The source of income from intermediary business has also been gradually broadened.

4 Product completion

The indicators of the new effective households of e-banking have been ranked high in the system, including online banking, mobile banking, telephone banking, and newsletter. The credit card is completed and the agent is insurance.

Three work highlights and results

1 Successfully established the brand image of Hengnan Construction Bank.

“Customer” and “Service” are the two themes of my branch's brand image. For the newly established sub-branch, the target customer base was locked in the exploration and maintenance of high-end customers at the beginning, which laid a good image for us in Hengnan Construction Bank. High-quality customers will have high-quality banks to complement each other. In the excavation of high-end customers, the branch leadership team adopted the "one family, one policy" approach, relying on the relevant information provided by government agencies, visiting one by one, visiting the heads of the responsible persons, going once, going again In the sincere visits and interactions with customers, we have established a good cooperative relationship between Yinzheng and Yinqi. We successfully appeared at the county and two conferences, held a forum for the leaders of the Yunji Industrial Park, and the SMEs’ ​​credit marketing fair. Wait, greet every guest with a humble and sincere attitude.

2 Actively investing in the development of Hengnan County Economy

1) Providing financial services to institutional clients such as the financial department

Finance is the unit of our branch's key maintenance and service. The branch has successfully opened non-tax stocks, economic construction stocks, treasury stocks, concentrated payment of several important accounts, and successfully relied on the heavy passenger system to provide non-tax centralized collection for the finance. Financial services for business and financial zero-balance accounts. Relying on the payment and appropriation function of the financial system, the sub-branch strives to settle its downstream funds, and sells downstream institutions to open accounts, realizing the collection of funds and customers.

2) Strengthening silver administration, cooperation between banks and enterprises to attract large-scale national engineering projects

In the construction and development of the new county town of Hengnan County, the sub-branch attaches importance to communication and cooperation with the government, and has opened several accounts of key projects in front of the industry. In the second half of the year, the opening of two large-scale projects of Xiangjiang Tugutang Hydropower Station and Dongguan Huijing Group account allowed Hengnan Sub-branch to stand firm in the financial market of Hengnan County and develop its business rapidly.

3) Linkage marketing has achieved results

The opening of the enterprise has brought a large number of individual customers, and the personal customers have brought the marketing of the products. The marketing of the products has firmly tied the existing high-end customers, and the company accounts of the high-end customers have opened to my branch. This series of chain effects is a microcosm of the good cycle of my branch business. This kind of good cycle has made my branch form a strong development relationship: Hengnan branch, customers, third parties.

3 Successfully build a harmonious elite team

The sustainable development of banks depends on the combat effectiveness and potential of the entire workforce. Hengnan Branch is a young team and a team that is full of vigor and vitality, not afraid of setbacks and positive. Under the correct leadership of the branch leadership team, this team has a strict sense of compliance operation, a clear understanding of laws and regulations and codes of conduct, risk prevention and internal control management is very good, in addition to accounting, this The team united and cooperated, and the sense of ownership was strong. With the activists, the development of the whole team was firmly tied to its own development. Even in the case of insufficient funds and high pressure, they still work enthusiastically to complete the tasks assigned by the city branches.

Four 2019 work measures

1 Objective: To rapidly form the business scale of a county branch, the full-caliber deposit will reach 350 million, the loan balance will be 100 million, and the intermediate business income will be about 2 million.

2 measures:

1) Do a good job in market research and continue to market large-scale public projects. The economic development of Hengnan County is still rising, and there is still huge market potential to be tapped. In the near future, my branch will promote more special funds departments of the county finance bureau to open accounts in my branch, relying on the source of the finance bureau to extend the downstream company projects; promote the land reserve center of the Land and Resources Bureau to open an account in my branch, and link the downstream real estate company or private customers to open an account. Marketing, agriculture, forestry, water conservancy projects, hospitals, troops and schools that are not involved in marketing.

2) Improve the overall core competitiveness of the team. ICBC has been stationed in Hengnan, and it is necessary to raise the awareness of the entire team and not be complacent in the face of existing achievements. Only by developing more rapidly can we not be eliminated by fierce competition. Only by constantly advancing and perfecting our own quality can we stand up. Services must go up the steps, improve the hardware facilities and environmental care of outlets, reduce customer queuing time, broaden customer transaction channels, and provide better service for high-end customers. Employees improve their product knowledge and update capabilities, increase business learning, and convince customers with the most professional quality.

3) Strengthen credit marketing so that the income of intermediary business becomes a bright spot rather than a short board. Strengthen the marketing and screening of small and medium-sized high-quality enterprises, increase the intensity of investment, continue to interact with enterprises and the government, collect effective information, boldly go out to market, and achieve substantial growth in income from intermediary business.

4) Summarize and summarize the experiences and lessons of the development at this stage, go to the rough and refined, learn the valuable experience of the brothers, and enter the growth period of the branch with an empty cup of mind. Continue to put the two themes of "customer" and "service" first, and constantly upgrade to adapt to the increasingly fierce financial competition, compile customer tree structure diagram, scientifically manage existing customers, and constantly summarize and segment customer groups. Different customer groups set different maintenance plans.

Five outlook

Looking forward to 2019, although we will face many new challenges and difficulties on the way forward, all employees of Hengnan Construction Bank will always maintain the confidence to win with a firm belief, work harder in a pragmatic manner, and do their own things carefully. The deployment and business objectives of the city branches, solidly promote various tasks, grasp the market rhythm, grasp key elements, and improve marketing skills, we will be able to seize development opportunities and usher in a better tomorrow!