2014 Bank Annual Work Summary

Summary of annual work of commercial bank branches

In 2019, under the correct leadership of the municipal branch and the new party committee of the sub-branch, the XX branch earnestly implemented the spirit of the provincial and municipal branches' work conferences, and accelerated the effective development as the main line, with “deposits exceeding 10 billion yuan and benefits exceeding 10 million”. Objectives, improve the mechanism, strictly control risks, strengthen marketing, unite and struggle through the staff of the whole bank, overcome difficulties, improve operational efficiency, and successfully complete the tasks of the higher-level banks, and promote the continuous and steady work of the Bank. development of. The current work summary for 2005

First, the main achievements in 2019

First, deposits continued to maintain a strong growth momentum, and the results of increasing deposits and promoting efficiency were significant. At the end of December, the balance of various deposits was XX million yuan, a net increase of XX million yuan compared with the beginning of the year, and an increase of XX million yuan over the same period of last year. The XX% of the annual assessment plan of the city branch was completed, and the net increase was 10%. × 10,000 yuan, the net increase in total and the increase in the amount of ten-day increase to a record high. In the whole year, the funds deposited reached XX million yuan, with an average monthly income of XX million yuan, a net increase of XX million yuan over the same period of the previous year. The income of financial institutions was 10,000 yuan, an increase of XX million yuan over the same period of last year, an increase of 70%. We will lay a solid foundation for turning losses into profits. Free official website copyright

Second, the credit asset structure has been significantly improved, and the credit supply has been further concentrated to excellent customers, gradually withdrawing from the “small and poor” inferior customers and effectively avoiding operational risks. At the end of December, the balance of various loans was XX yuan, which was 10,000 yuan less than the net amount at the beginning of the year. Among them: private enterprises and individual loans × × 10,000 yuan, down from the beginning of the year × × million; company loans × × 10,000 yuan, compared with the beginning of the year increased × × million.

Third, new businesses such as insurance agents have entered the “fast lane” and are on a par with traditional business. At the end of December, the agent premium income was XX yuan, and 150% of the plan was completed by the city branch. Among them: life insurance agency premium × × 10,000 yuan, year-on-year increase × × 10,000 yuan; agency property insurance × × 10,000 yuan, an increase of XX million yuan; realized fee income × × 10,000 yuan, year-on-year increase × × 10,000 yuan, completed the city The branch issued a plan of 113%. Accumulated agency funds × × 10,000 yuan, the cumulative sales of government bonds × × million.

The fourth is to complete the task of collecting bad assets on time, and the “double down” of non-performing assets has achieved initial results. At the end of December, the interest rate of non-performing loans was XX yuan, including: clearing the principal interest × × 10,000 yuan, completing 100% of the annual task; disposing the debt assets × × 10,000 yuan, completing the annual task ×%; × × 10,000 yuan, complete the year's mission ×%. At the end of the year, the balance of non-performing assets was XX yuan, accounting for XX%. The non-performing loans showed a trend of “double down”. The balance of non-performing loans decreased by XX million compared with the end of the previous year. The proportion of non-performing loans decreased by ×× percentage points from the end of last year. .

Fifth, the intermediary business continued to develop rapidly, and the financial contribution rate was further strengthened. At the end of December, the income of the intermediary business of the whole bank was ××10,000 yuan, accounting for ××% of the total income, increasing by ××10,000 yuan, increasing by × percentage points.

Sixth, interest income continues to grow effectively. At the end of December, the whole bank collected interest × × 10,000 yuan, of which: company, private enterprises and individual loans income × × 10,000 yuan, non-performing loans collection interest × × 10,000 yuan.

Seventh is the comprehensive indicator of the completion of operating profit and loss. At the end of December, the book loss for the whole year was XX yuan, which was a year-on-year loss of XX yuan. Excluding the interest of XX million yuan before taxation, the loss of 10,000 yuan for the disposal of debt assets, and the operating profit of XX million yuan. The plan is ××10,000 yuan, which is a year-on-year increase of 10,000 yuan.

Eighth, the establishment of spiritual civilization, the achievement of first-class excellence activities have achieved good results, and a number of advanced collectives have emerged. In the first quarter of the “opening the door” competition organized by the city branch, the Bank won the second prize of the sub-branch, and the sales department won the second prize of the division. The sales department was awarded the honorary title of “Model Workers Civilization Demonstration Post” by the provincial branch; The rate of completion of premium marketing and premium income ranked first in the city; it won the third place in the “Inner Control Knowledge” competition organized by the Banking Regulatory Bureau; and the third place in the “Financial Products Knowledge Popularization” competition organized by the city branch.

Nine is "safety is the benefit", and the awareness of internal control management is further strengthened. The rate of various cases in the whole year is zero, and the good situation of CCB's 52 years of safe operation without liability accidents and cases continues to be maintained.

Second, the main practices:

First, the strong marketing of debt business, further enhance the financial strength, to achieve significant results in increasing deposits and increasing revenue. The first is to unify thinking and act early. In 2005, the whole bank was based on the work of increasing the efficiency and increasing efficiency, increasing the increase in the number of work, and combining the “welcome new spring” quality and civilized service activities with the first season of “opening the door”, highlighting the “intentional service, spring to Wanjia” The theme, early arrangement, preemptive machine, strong propaganda, comprehensive marketing campaign, to achieve a "open door." In the first quarter, all deposits increased by XX million yuan compared with the beginning of the year, laying a foundation for the growth of deposits throughout the year. The second is to grasp the key points and seize the market. Taking the agent pension fund as a breakthrough, innovating service methods, improving service quality, providing customers with humanized, caring and careful services, helping customers manage their finances, maximizing customer benefits, and consolidating old customers and developing new customers. It will promote the effect of “dive” customers and effectively promote the rapid growth of deposits. The annual financial flow of funds reached XX million yuan, and the total amount of pensions for the elderly was 10,000 yuan. The third is to grasp the maintenance of key customers. Establish large customer files, gradually implement differentiated services, and cultivate loyal customers. We will implement marketing activities for street marketing and promote “carpet-style” marketing to consolidate and develop our bank's monopoly position in the regional financial system. The fourth is to highlight the big backbone of the block and monopolize the important deposit markets such as XX City and XX Town. Highlight the advantages of ABC's brand and achieve scale effect. In 2005, the deposits of XX City and XX Branches increased by XX million, accounting for 84% of the Bank's net increase. The fifth is to implement a salary assessment and division, encourage advanced, and spur backward. According to the scale of business outlets and per capita deposits, the salary bases of different grades are set. At the same time, according to the net increase of people, the wages will be upgraded to a grade, and the wages will be upgraded one level earlier. Through incentives, we guide employees from passive to active, from “make me do” to “I do”. The sixth is to highlight the image of the Agricultural Bank of China and seize the surrounding markets. Through the grasp of quality services, the promotion of publicity on the street, the banner slogan, the visit to the client to send the Spring Festival, etc., the good social image of the Agricultural Bank of China is deeply rooted in the hearts of the people, forming a town centered around XX, with the surrounding towns ×××××× The scope of service of the radiation circle. Through the increase of the annual income, the company realized income of ××10,000 yuan, an increase of XX million yuan over the same period of last year, an increase of 70%, making an important contribution to the Bank's financial loss reduction.

Second, moderate marketing assets business, gradually withdraw from the "small gap" and other inferior customers, to seize the excellent customer market. In the face of the policy of macro-control and credit total control, combined with the current economic environment of the district, we first develop the personal credit market steadily, accelerate structural adjustment, continue to support high-quality customers in the individual and private economy, and gradually withdraw from the “small gap”. personal account. At the end of 2005, the private enterprise and individual production and operation loans were only XX yuan, down by XX yuan from the beginning of the year, and gradually eliminated a group of customers with small capital flow, poor operating efficiency and low quota. The second is to seek the credit management system requirements and the needs of business development as a breakthrough point, continue to vigorously support and develop private enterprises of a certain scale. For the star enterprise XX Co., Ltd. in the management area, the sub-branch actively engaged in the credit rating according to the new credit rules, and actively applied to the city branch for the scale of XX yuan, and injected liquidity in the fourth quarter × × million yuan. Through the establishment of the SME financial service project library, we will solve the dilemma that restricts the development of our bank's credit business, and seek and realize the road of asset business development suitable for XX. The third is to strengthen the monitoring and management of overdue loans, establish a system of early warning collection, non-performing loans, etc., and try to repay the amortization method according to the risk situation, prevent the bad credit assets from happening in the first place, strictly prevent the occurrence of non-performing loans, and ensure zero records of non-performing loans. The fourth is to strengthen post-loan management. Every time a loan is issued, it is necessary to implement a post-loan tracking management to improve the quality of post-lending management, implement the responsible person of the account, and establish a system of accountability.

Summary of the year-end work of bank tellers

When the page of the calendar is torn down, only the last page is left, and one year is so unconsciously, and it is silently spent. In this year, we used the computer keyboard to paint the sky; we are keeping a joy, a persistence, and a harvest. Book, check out, make subpoenas, and write books every day. Although there is no outstanding performance and earth-shattering career, we are dedicated and committed to our duties. We use this faint life, the meager work to outline the trajectory of life, and the joy of harvest.

During the year, I have always maintained a good working condition and strictly requested myself with the standards of a qualified cooperative bank employee. Based on my own work, I will delve into business skills so that I can dedicate myself to my ordinary post and send a light and a passion for the cooperative banking industry. As a front-line employee of the savings position, we should strengthen our business skills, so that we can work at home to better, provide customers with convenient, fast and accurate services. With the goal of "customer satisfaction, business development", we will do a good job in service and establish a good window image of dedicated service. We will have a voice, a voice, a voice, and every customer will be happy and satisfied. As is well known, within the jurisdiction of the xx branch, the XX branch office is a busy point. The average amount of business per person per day is more than 100. The number of customers receiving the reception is one hundred and two hundred people, especially the small banknotes and the residual currency. Therefore, this kind of work environment forces me to constantly remind myself to be serious and serious in the work, strictly in accordance with the regulations formulated by the head office and sub-branches. The system is used for actual operations. I have consistently asked myself throughout the year. While I am doing my own work, I have used my experience in accounting work for many years to help other comrades. What kind of problems do comrades have? Just ask me, I will Careful answers. When I have problems, I will be very open-minded to other comrades. For the loss of business skills, I have a requirement for myself: three people must have my teacher, and they must do everything they can to learn. If you want to help others at work, you need to improve your business. Savings is the foundation of the company. In XX years, with the help and support of the superior leaders and the assistance of colleagues, I worked hard to carry out the work, and completed the various tasks well.

During the year, I actively participated in political theory study and business knowledge learning. I was able to consciously abide by laws and regulations and various rules and regulations of the unit. At the same time, I worked hard to study business knowledge and continuously improve my work skills. Looking back on the work of the past year, I am conscience. In my work, I am devoted to my duties and do my best. The bank belongs to the service industry. The work makes me face many customers every day. For this reason, I often remind myself. "Be kind to others, it is to be kind to yourself." In the busy work, I still insist on doing a "smile service", patiently and meticulously answering customer questions, encountering unreasonable customers, and I try to be tolerant and understand. He, in the end, also got the understanding and respect of the customer.

Looking back and checking my own problems, I think: First, not enough. At present, the new economy based on information technology is booming, new situations and new problems are emerging, and new knowledge and new science are constantly coming out. In the face of severe challenges, there is a lack of urgency and consciousness in learning. The theoretical basis, professional knowledge, cultural standards, working methods, etc. cannot adapt to new requirements. Second, when the work is more tiring, there have been loose thoughts. This is because the political quality is not high, and it is also a manifestation of the world outlook, outlook on life, and poor resolution of values. In response to the above problems, the future efforts are: First, strengthen theoretical study and further improve their own quality. Change the work style, strive to overcome their negative emotions, improve the quality and efficiency of work, and actively cooperate with leaders and colleagues to do their jobs better. In the new year, I should step up my study, better enrich myself, meet the challenges of the new era with a full spirit, and sum up the past to learn from past experiences and lessons, and to do better in the future. The deficiencies and shortcomings in the work, please leaders and colleagues to criticize and correct.

In XX, I entered the XX branch with a yearning for and pursuit of financial career. Here I will release the energy of youth and ignite my dream of career. Time flies, in this short period of time, 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 XX line 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 XX employees, 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 various customers, the tellers should be skilled in operation. Dedicated service, day after day, with thoughtful service, customers can truly appreciate the sincerity of XX pedestrians, feel the warmth of doing business in XX, such work is extraordinary, I am for my position Proud! To this end, I ask myself to do the following: First, master the excellent business skills, and never relax business learning; second, maintain good professional conduct, abide by national laws and regulations; third, cultivate harmonious interpersonal relationships, and Colleagues live in harmony; the fourth is to clearly understand oneself, win or lose, and lose.

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!

Today, we are concentrating the youth of the fire to the ordinary XX position. It is in this alternating of youth that XXX is moving forward step by step. In her clear annual ring, it will also deeply imprint the mark of our youth. Franklin has a famous saying: "Promote your career, don't let your career drive you." Today, I am here to promote my career. This stems from my pursuit of the value of life and my passion for financial career. Because I know that as a growing youth, only by combining the personal ideals with the development of the XX career can we give full play to our work enthusiasm, initiative and creativity, in the process of creating a bright future for the silver XX line. Realize your own life value.

XX Bank Annual Work Summary

Last year was the first year for the Bank to implement the “supernormal, leaping development strategy” and the first year to realize the three-year development plan. Under the correct leadership and care of the party committee of the branch, my sub-branch has formulated a careful work plan and work measures, and resolutely implemented the "five more" work ideas formulated by the work conference of the branch at the beginning of the year to ensure a good start and a good start. . In the past year, the cadres and workers of the whole bank have united as one, and they have worked hard and achieved fruitful results.

1. Business operations have shown an extraordinary development trend:

Compared with previous years, this year's development of our bank has embarked on the fast lane, and all businesses have hit record highs and have embarked on a rising channel of development.

Various deposits grew rapidly. By the end of the year, the balance of total foreign currency deposits is expected to exceed 850 million yuan, an increase of 360 million over the beginning of the year. Among them, RMB is expected to increase by 140 million yuan, RMB deposits will increase by 58 million yuan, RMB interbank deposits will increase by 80 million yuan, and foreign exchange deposits will increase by 10 million US dollars. The average daily average was 150 million yuan per day. The increase in foreign currency deposits has become an important source of deposit growth for our bank. Interbank deposits and savings deposits have also increased substantially. This deposit growth rate has not been available in the past.

The scale of loans has increased and the structure has been continuously optimized. At the end of the year, the loans amounted to more than 1 billion yuan, an increase of 300 million over the beginning of the year. The main increase was in low-risk loans such as excellent customers and mortgages and consumer loans; such as PTA, investment, tungsten, Zhongda, Haishu Avenue, etc. Projects; credit assets as a whole still maintain high quality, non-performing loans accounted for less than 3.5%, especially in the first quarter and second quarter of this year, the balance of non-performing loans decreased compared with last year; but from the stock analysis, the growth of sluggish loans increased The income rate in the table is expected to reach 100% or more, and the comprehensive income rate is expected to reach 97%.

Operating profit has doubled. By the end of the year, the profit level of our bank is expected to reach 15 million yuan, of which RMB profit is about 7.7 million, foreign exchange profit is about 450,000 US dollars, and the settlement fee income is about 3.5 million yuan. The per capita profit reached 210,000 yuan. Compared with the profit level of the past few years, the profit level of our bank has achieved a leap-forward development this year.

The intermediary business has grown substantially. This year, the Bank's international settlement and settlement sales volume ranked second in the jurisdiction, and it has approached the first place. It is estimated that the international settlement amount will be 250 million US dollars and the settlement and sales will be about 100 million US dollars. The foreign exchange business has a large increase in fee income, which is expected to reach 3.5 million, which is equivalent to about 20% of my profit. Bank acceptance bills business and bill discounting business have also grown substantially and become another new source of profit.

Second, the main work measures and successful experience:

Focusing on business operations, highlighting key points, taking practical and effective measures, and promoting the rapid development of various business operations in all aspects.

1. Segment the market, accurately locate, seize the key points, and actively market the wholesale business. In 2005, the Bank will divide the public market into “five ones”, namely a port, a boulevard, a real estate, a group of projects and a trust company. After clarifying the target positioning, we have established a set of market marketing mechanisms that are responsive, fast-changing, tacky, and service-oriented, and creatively carry out work to expand the market in all directions. The specific practices include: upgrading the management level, and upgrading the responsible subjects to the business department for large-scale and high-demand key customers. The project of more than 10 million US dollars is directly responsible for the research and negotiation by the president; the establishment of a strong research team, the whole The people with strong ability in research and development have gathered to form a powerful research team, and the right people of different characteristics are selected to combine, the group fights, the upper and lower linkages, and the elites attack hard. Highlighting the competitive advantage, grasping the opportunity of our company to deepen the construction of corporate culture, making a big fuss in service, attracting customers with high-quality services, vigorously marketing new business varieties launched by the main branches, providing customers with a package of service solutions and striving for service. The depth and breadth of the line are better than others; the leaders lead by example and take the lead in tackling the problem, ensuring that at least half of the time is spent visiting customers, and key customers insist on visiting once a month, paying attention to improving and improving the relationship between banks and enterprises. Through unremitting efforts, this year, the Bank has won a number of valuable customers, such as Deyan Paper, Jintong Chemical, Fenglong Aquatic Products, Xiamen Xinguo, Haishu Hospital and other key customers. A number of potential projects such as Haitang Avenue, Lujingwan, Export Processing Zone and International Containers have laid a solid foundation for the rapid development of our business in the next two or three years.

2. Adhere to variety innovation and service innovation, and develop retail business in multiple directions. This year, the Bank seized the key tasks of collecting money from behalf of customers, upgrading the payment of agricultural power, and implementing VIP services. We will do a good job in tackling local and foreign currency savings deposits, focusing on the pursuit of valuable private customers and vigorously marketing retail business. The first is to carry out standardized service process drills, improve service standards, and provide standardized services for depositors. Second, increase the absorption of wealth management funds, and seize the characteristics of financial management mainly rely on the characteristics of hard work, full action, targeting the surrounding merchants, villagers and Old customers, effectively absorb financial resources. The third is to explore the bottom of Haishu stocks, dynamic tracking, absorption of stock market return funds. The fourth is to launch a VIP service plan for private business, open a VIP priority channel, establish a VIP customer profile, implement differentiated services, and provide a package of wealth management services for valuable private clients. Fifth, increase publicity efforts and transform Dongfeng by agricultural network. The “Into the Thousands of Households Activities” was launched. After one month, the outlets actively participated in the promotion of the rural electricity and payment card. The film was sent to the countryside and the business propaganda was used as the medium. The whole bank mobilized and went into every urban and rural area. In the corner, we increased the penetration of our bank into the rural business market, publicized the business of the Bank, and improved the social visibility of the Bank. Through a series of fruitful work, by the end of the year, the balance of savings of our bank was about 150 million yuan, about 58 million yuan more than the beginning of the year, and the tasks assigned by the branches were completed, the highest level in history.

3. Increase loan marketing efforts, expand loan scale, and continuously optimize the credit structure. In order to enhance the long-term development potential, we have attached great importance to accelerating loan marketing since the beginning of the year, actively seeking to expand the scale of loans, and promote the business of public deposits and settlement. First, the loan marketing of excellent customers, for key enterprises such as PTA, Xianglu, Zhongda, Tungsten, Duowei, and Investment General, increased the credit line and actively sold loans. The second is to increase the marketing of project loans, such as Haishu Avenue and Lujingwan Project. The third is to increase the launch of low-risk loans such as mortgage loans and personal consumption loans. By expanding the increment, more loans will be invested in the dual-premium customers, thus optimizing the stock and realizing the effective adjustment of the loan structure. In the basic work of loan management, the sub-branch is based on the strict implementation of the early warning and forecasting system, and comprehensively improves the level of credit asset management. First of all, strict access to loans, loan issuance adheres to the dual-optimal strategy, and is determined not to lend to loans or loans; secondly, adhere to the classification management of loan customers, implement voluntary exit, gradually reduce the average customer, and actively eliminate inferior customers. The third is to strictly implement the early warning and forecasting system for credit management, making this work the most powerful tool for credit management and the daily work of each account manager, and increasing the assessment and rewards and punishments for this work. By the end of the year, the balance of domestic and foreign currency loans exceeded RMB 1 billion, an increase of RMB 300 million from the beginning of the year. Among them, loans from excellent customers and low-risk businesses accounted for more than 90%. Original article, all in the secret secret network.com network.

4. Vigorously develop international business and increase the income of intermediary business. In view of the high number of foreign customers in Haishu and the high comprehensiveness of the international business practitioners, the Bank attaches great importance to seizing the opportunity to develop international business. This year, through strengthening customer manager training, the Bank further improved the quality and standards of its employees; in terms of services, it ensures the receipt of orders, improves the efficiency of work, and guarantees the timeliness of work. At the same time, with international settlement as the leader, it actively expands Financing business under export. In the international business marketing strategy, we have done enough customers, constantly expanding the group, focusing on the PTA's issuing business, ensuring the share; striving to increase the original share of our customers in Xianglu, Duowei and other key customers; Yan, Jin Dawei and other customers breakthrough in international settlement. By the end of the year, the Bank's international settlement volume is expected to reach 260 million US dollars, the settlement and sales reached 100 million US dollars, the international business fee income reached 3.5 million yuan, the foreign exchange profit was 450,000 US dollars, two total 6.5 million yuan, about Accounted for 45% of total profits.

5, grasping the work of clearing non-interest income is not relaxed. Since the beginning of this year, the Bank has arranged and acted early on the work of clearing non-interest income, and achieved remarkable results. First, strict checks and non-conforming non-performing loans are not available; on the other hand, as long as they meet the three principles of revitalization, they must be bold. In response to the ideological problem that the account manager has concerns about revitalizing the old loan, the branch reiterated that it must seriously examine and approve the strict control. Second, enterprises that meet the principle of branch revitalization must have a responsible attitude and boldness; if the account manager treats this issue negatively, the branch will deal with it seriously; the third is to clarify the key objectives of each stage, one household, one policy, plus The implementation of the big progress, daily tracking; for the companies that do not return the debt to take the typical, implement effective means to collect. The fourth is to pay close attention to the work of agricultural loans. This source of income has been an important part of the Bank's interest rate increase in previous years, but the overall effect this year is not obvious. The fifth is to actively collect large interest rates and outstanding interest receivables. Through hard work, the non-performing loans of our bank have declined in the first half of this year, and the second half of the year has been affected by the adjustment of loan patterns. It is expected that the number of non-period loans will increase by more than 4 million yuan from the beginning of the year. The comprehensive income rate is expected to reach 97%, completing the target set by the branch.

6. Strive to improve the level of capital operation and strive to maximize profits. Since the beginning of the year, the sub-branch has requested the business department and the accounting department to increase the analysis of the operation of the Bank's quarterly funds and find solutions to the problems. The office also emphasizes cost savings and administrative control in terms of administrative logistics support. A series of effective methods have been developed, such as strengthening control over vehicle expenses, watermail and other operating expenses, strengthening the management of business hospitality and public and miscellaneous fees, and using the money for the key to business development. The outlets have no benefit, and the unprofitable costs are not spent. The business department also insists on daily monitoring and scheduling of key enterprises' capital in and out, optimizing the efficiency of position utilization and improving the efficiency of operations.

Deepen reform, strengthen management, improve service quality, establish a corporate culture brand with Haishu Agricultural Bank's characteristics, and comprehensively enhance competitiveness.

1. Since the beginning of this year, the Bank has carried out more in-depth reforms of the three systems. In the aspect of personnel employment reform, the middle-level cadre competition system has been fully implemented, and the combination of talents and introductions through internal competition has been combined to continuously improve the ranks of middle-level cadres. The implementation of full-member competition for posts, the implementation of internal mobile delisting, one year one choice, half a year fine-tuning, optimize the labor mix. The implementation of these two systems has been actively participated and supported by the cadres and workers of the whole bank; in the aspect of income distribution reform, the sub-branch has formulated a comprehensive assessment method, and comprehensively implements internal simulation pricing for each outlet, according to the comprehensive benefits, quality and quantity of outlets. Come to open the gap. For different positions, comprehensive consideration of four factors such as difficulty level, labor intensity, risk level and geographical conditions, scientifically develop post factors, tilt to key positions, implement the account manager hierarchy, and truly mobilize the enthusiasm of employees. In the organization, the sub-branch implements flat management and implements measures such as post-review and review. By actively promoting the reform of the three systems, Haishu Sub-branch gradually established a scientific and rational competition, incentive and elimination mechanism, the staff structure has been adjusted, and the establishment of assistant posts has trained young cadres. Adjusting the post coefficient, conducting two-way selection and delisting, and timely local adjustment of cadres have greatly mobilized the enthusiasm of cadres and workers, and greatly promoted the development of the business.

2. Explore new ways of combining strict management and scientific management to promote management. In terms of internal management, this year, the Bank continued to improve the construction of rules and regulations and improve the implementation, supervision and inspection mechanisms. The first is to strictly implement the Haishu Agricultural Bank Staff Manual, so that the whole bank can develop a good habit of obeying the rules and regulations; secondly, it insists on intensifying supervision and inspection. The leaders of the sub-branch should check at least once a month at the grass-roots outlets. The functional departments of the organs should conduct a comprehensive inspection of the grass-roots outlets at least twice a month, strengthen the social supervision of social supervisors, and issue an internal management report every month to Benefit wages are linked. The third is to establish a warning system for middle-level cadres, and provide written warnings to middle-level cadres with poor management, business stagnation or other problems until they are relieved of their duties. The fourth is to strengthen financial accounting management, implement a responsible accounting system, and increase the cost of reducing costs. Carry out income accounting for each business operation network, implement performance-linked and profit-cost-linked methods, determine income distribution and business development expenses by profit contribution, and improve cost-benefit ratio. At the same time, attach importance to strengthening property management, vehicle management and office supplies bidding and procurement, control management costs, and reduce expenses. The fifth is the innovative management method, combining strict management with scientific management, and striving for management. For example, we attach importance to the internal integrated management network and the construction of external websites, improve management efficiency, and benefit from technology. Successfully established an efficient internal management network to realize internal management network and performance evaluation data, and promote management. Successfully built a branch website to promote our business and strengthen communication with customers, which has become an effective auxiliary means to promote business development. Another example is the bold exploration of the introduction of the ISO9000 quality management system in the branch. Under the active advocacy of the leadership of the bank, after the collective and careful discussion and research of the president's office, in July 2005, the Bank began to use ISO forces to launch ISO projects and shape service brands. As the first example of Xiamen Bank's peers, we have developed and implemented a series of new quality policy and quality objectives, internal audit and management review, customer evaluation program, file data control program, non-conforming product control, corrective prevention and improvement programs. Management and service measures, and strive to gradually shape the image of a brand-first service brand through a period of practice.

3. Carry out the activity of “creating first-class service, building a brand of agricultural products” and pursuing service grades. Since the beginning of the year, the sub-branch has attached great importance to strengthening and improving service work, and has repeatedly researched and deployed effective measures to improve services. Through various activities, the Bank has strengthened the concept of civilized and quality services throughout the Bank, and this year, the overall service level of the Bank has been new. Improvement. First, we adhered to some effective measures summarized by the “First-class Service Phenomenon” last year, such as the implementation of weekly flag-raising ceremony, pre-class evaluation system, daily one-star, on-duty manager system and other institutionalized activities. These measures have been consolidated, strengthened and improved. Second, they have insisted on in-depth training and training of service skills, standardized service process drills, and effective civilized and high-quality service themed activities such as silver enterprise symposiums, corporate financial personnel training, and business promotion. In particular, the “Red May Civilization Quality Service Month” campaign was launched, and efforts were made to make a fuss about the breadth and depth of services. After this event, our business performance also gradually increased. In the second half of the year, the Bank launched the “Into the Thousands of Households Activities” to promote the payment of subsidies for rural power, and through the new form of film going to the countryside, to improve the service standards of the Bank's rural depositors and publicize the image of the Agricultural Bank; It is service innovation. Since the beginning of this year, the branch business department has achieved good results through the implementation of two-line service work for key customers. The growth of key customers has become the most important driving force for the rapid development of our business. The private business VIP service launched in the second half of the year also caused a good response in Haishu, and opened up new ideas for our savings work. In addition, we have also introduced new forms of effective services such as the free-to-fill service, which has won praise from customers. The fourth is to cultivate and emerge the service star such as Guo Guozhu, director of the sales department, Qiu Jun, the director of the business department, and a group of outstanding account managers. These advanced services typically vividly educate and inspire the surrounding employees to make the first-class service become me. Acting consciously by employees. The first-class service has changed the image of ABC, and has produced a good regional social influence and enhanced the competitiveness of the Bank.

4. Adhere to “the talents are prosperous and people-oriented”, and strive to promote the “Chengdu Project” and other effective measures to improve the comprehensive quality of employees, create a good atmosphere of spirit and material, and fully tap the enthusiasm and creativity of employees. Since the beginning of this year, the leaders have advocated the concept of enterprise development and the simultaneous growth of personal values, promoted the “Chengde Project”, and comprehensively improved the thinking and business literacy of the workforce. The measures we have taken mainly include actual combat training, training improvement, encouragement of upgrading, mechanism catalysis and promotion of activities. By promoting the “Chengcai Project”, the Bank not only introduced a group of high-quality talents, but also cultivated a large number of young and promising talents, and reserved abundant resources for the development of our business. In the past few years, many employees of Haishuxing have left their minds because of their poor working environment and enthusiasm for work. Now these people are not only firmly staying, but many people are also rapidly growing into the backbone of the branch's business. It is a good mechanism that has enabled the employees of the whole bank to form a strong cohesive force and a strong sense of belonging, making Haishu Sub-branch a united and enterprising team. Since the beginning of this year, the branch has also set up a “Chengcai Award” as a long-term measure to encourage employees to grow. The second is to pay attention to improving the working environment and working conditions of employees. Since the beginning of this year, the sub-branch has strengthened the transformation of outlets, strengthened the shuttle bus to and from the employees, and improved the management of staff canteens and staff dormitory management, improving employee welfare, organizing rich group activities, etc. . By doing a good job in people's ideological work, the cadres and workers of the whole bank work more smoothly and more motivated, and better promote the development of business work. Original article, all in the secret secret network.com network.

In addition, in strengthening the party's work style and clean government construction and the work of three defenses and one guarantee, the Bank has also done a lot of meticulous and earnest work, established an effective responsibility system management, and ensured that the whole year of safe operation has no accidents through the implementation of the implementation. The department's praise.

Third, correctly judge the situation and fully understand the shortcomings in the work

1. From the overall perspective of the branch, no matter the total profit, the completion rate of profit plan, the decline rate of non-performing loans and the growth rate of deposits, all the brother units have developed rapidly this year. In contrast, the development speed of our bank is not yet The best, there is room for effort.

2. From the perspective of operating results, first, RMB deposits have been at a low level for a long time, and even under the horizon for a long time. Second, the work of clearing non-interest income is not enough, and there are not many ways, especially before Qing’s work. The phenomenon of loosening after tightening. The task of reducing 2.5 million in the whole year has not been completed; the third is that the development between our outlets is very unbalanced.

3. From the perspective of subjective efforts, we still have many shortcomings. First, the enthusiasm of employees of the whole bank, especially ordinary employees, did not play well. Some employees even have a negative tendency to pay attention to work and enthusiasm. The second is to treat the work first and then tight, leading to the passive work in our work. Third, cadres at all levels do not have an in-depth study in their work. When they encounter difficulties or problems, they do not think deeply and work methods are insufficient. Fourth, the service level has been slow to improve, and there has not been a significant improvement in quality. It is not compatible with the current high-speed development of the Bank.