Summary of year-end work of the banking department

Since the beginning of this year, under the correct leadership of the municipal party committee, the Ministry of Health has carefully implemented the spirit of the general branch work conference, guided by the scientific development concept, and focused on value creation, highlighting development and management. Two major themes, grasping the three key points of transformation, compliance, and implementation, further unifying thoughts, optimizing structure, working hard, striving for excellence, comprehensively building competitive advantages in central cities, and striving to achieve the goal of becoming stronger and bigger. The guiding ideology is to transform the retail outlets into the goal of struggle, emancipate the mind, seek truth and be pragmatic, deepen the reform of the shareholding system and implement the double-contracting project, accelerate the pace of structural adjustment, closely follow the economic growth value, and bring the team to the team. Overcoming difficulties, striving hard, emancipating the mind, reforming, strengthening management and services, broadening the fundraising path, optimizing loan investment, and showing certain development momentum in various businesses. The main work of xxxx is reported as follows:

I. Completion of various indicators

As of December 31, our department has invested 10,000 yuan in full-caliber, an increase of 10,000 yuan over the same period of last year. Among them, the balance of corporate deposits was 10,000 yuan, which was 10,000 yuan less than the same period of last year. The balance of personal deposits was 10,000 yuan, an increase over the same period last year. Ten thousand yuan. As of December 31, the loan balance was 10,000 yuan, and the non-performing rate of the five-category classification was %. As of December 31, the balance of personal loans of our department reached 10,000 yuan, and the non-performing rate of the five-category classification was %; the company issued RMB 10,000 yuan for corporate loans, and recovered RMB 10,000 yuan for corporate loans. Recycling company-type foreign exchange loans of 10,000 US dollars, issuing a quota of tens of thousands of dollars, issuing bank acceptance bills of 10,000 yuan, recycling 10,000 yuan. Achieve a fee income of 10,000 yuan. Achieve a profit of 10,000 yuan in the statement and realize a net profit of 10,000 yuan after tax.

Second, the main work

Successfully passed the inspection and acceptance of the retail outlets of the head office

As the first batch of five pilot transformation projects in the country, our department has achieved unanimous praise in the acceptance inspection of the retail outlets of the head office on October 18 after six months of trial operation since the implementation of the transformation work on April 5. Successfully passed the inspection and acceptance of the retail outlets of the head office. After the transformation of the outlets, the results have been remarkable. In the newly renovated business hall, customers can not only handle the traditional “check-in and deposit” business in one stop, but also purchase funds, insurance and bank transfer business. Highlighted as:

1. The waiting time of customers is significantly reduced. The staff who are conducting data measurement in the sales department have found that since the implementation of the transformation work on April 5, the customers who came to handle the business have not seen a decrease, but the waiting time of the customers has been significantly reduced, and the average time for each customer to handle the business is more than before the transition. Reduce it by 3 to 5 minutes.

2. Differentiated services improve the patience of customers receiving services. In the business hall, although the flow of people is woven, but orderly, the customers in the high cabinet area and low cabinet area guide customers to highlight, and two or three lobby managers walk through the customers.

3. The employee's marketing awareness has gradually deepened. Encourage front desk staff to actively recommend our bank's e-banking business to customers when handling business, and release marketing tasks on a daily basis. This means that as soon as the customer enters the business hall, the lobby manager will greet him and have a preliminary understanding of the business that the client should handle. Then, he will guide to the high cabinet area, the low cabinet area or the self-service equipment area to guide the customer. Go to the customer and leave CCB. For customers in the high cabinet area and low cabinet area, the lobby manager introduces to the teller, and the teller deeply explores the potential financial product needs of the customer and actively recommends suitable products and services.

Vigorously carry out marketing activities during the peak season.

1. Strengthen organizational leadership and establish a marketing activity leading group.

2. Carefully formulate marketing plans and schedule marketing progress according to ten days. During the event period, a total of the notification period was issued, and the personal deposits were increased by 10,000 yuan per day. The percentage of the marketing plan for the peak season was completed. The sales of the Leica financial card, the Platinum Card, completed the peak season marketing plan, and the personal consumption loan balance increased by 10,000. Yuan, complete the percentage of the marketing plan for the peak season; personal online banking, telephone banking, complete the electronic banking transaction volume, the transaction amount is 10,000 yuan.

Market segmentation and strengthen marketing.

The city bank clearly pointed out: We must adhere to the customer-centered, further consolidate government and high-quality customers, actively expand institutional and fund-based customers, and steadily develop small and medium-sized customers and vigorously develop personal customers. According to this market positioning, our department further subdivided the customers, one household and one policy, and refined the marketing plan.

1. Further enlarge and strengthen the business. The main business of the business department is the public business, which is the main source of performance wages for all employees. The public business can only be strengthened and cannot be weakened. Over the years, under the direct leadership of the city's bank, the sales department has created a large number of government customers and institutional customers. With their business dealings with the sales department, the sales department has promoted the business growth of the business department for many years and improved the personal work of all employees. income. Therefore, our department has always seized this business. The asset business should focus on the main line of the group loan, taking into account the integration of coal mine loans. Under the premise of improving procedures and preventing risks, we will continue to vigorously develop the discount business.

2. Successfully marketing the securities company's customer transaction settlement fund bank independent depository business. The bank depository business is a business with higher comprehensive income, which can bring large and stable interbank deposits, intermediary business income, savings deposits and corporate deposits, and introduce a large number of high-quality customer resources for our department. This year, the company has brought an intermediary business income of 150,000 yuan to the Ministry throughout the year.

3. Vigorously develop personal banking business. Adhere to the work of a big silver, everyone is a silver account manager. Adhere to the linkage of the upper and lower, public-private linkage. Vigorously cultivate high-end personal customer groups, and actively do the work of paying wages, credit cards, pos merchants, vip customers, and local and foreign currency wealth management products, and vigorously develop personal banking business. Strive to make the silver business an important growth point for our profit this year. For example, the precise centralized marketing organized by the Ministry of Education to the Municipal Education Commission and organized in the hall has received obvious results, and the e-banking products promoted on the spot have been well received by customers.

The intermediary business made breakthrough progress. We attach great importance to the development of the fee-based business, relying on the distribution of funds, expanding the customer base and asset-liability business, early in action, strengthening innovation, and achieving new breakthroughs in competition strategies and products. In the whole year, the company realized a total income of 10,000 yuan in intermediary business, completed the annual plan, and completed 120% of the plan for the whole year.

The annual e-banking customer signing households, the issuance quota card, the quota card consumption amount of 10,000 yuan, the proportion of e-banking channels, new e-banking customers, including: personal online banking customers, new households, personal telephone banking The number of customers has increased, the number of personal mobile phone newsletters has increased, and the number of mobile banking customers has increased. The realization of the electronic banking intermediary business income of 10,000 yuan, the electronic banking transaction amount of 10,000 yuan.

Vigorously strengthen the construction of compliance culture

In order to create a good compliance atmosphere, further improve the compliance risk management capability of all employees, and promote the construction of a compliance culture, the Ministry actively implements compliance culture education activities.

1. Organizing and watching the special video of "Warning Education--Talking Everyone", strongly instilling that "legal compliance management is the most basic professional ethics of bank employees, especially managers, and cannot be operated according to law. It is not a qualified bank." The employee's compliance concept guides employees to understand the right and wrong, to understand good and evil, to identify the ugliness, to establish a correct world outlook, outlook on life, and values, so that "xxxx" becomes the value orientation and code of conduct for each employee.

2. Combined with the establishment of “star-level outlets” carried out by provincial banks. The establishment of star-level outlets is not only the construction of unified outlets, normative service standards, but more importantly, the deeper interpretation and practice of the "customer-centric" concept, and its steady advancement must be guided by compliance work.

Strengthen risk management and lay a good job in clearing bad loans.

1. Implement refined management of personal loans.

2. Specialized in the collection of bad personal loans. Take all possible means to collect it, including but not limited to telephone collection, home collection, tracking collection; according to the collection situation, implement different credit protection measures. Strict management is implemented internally: dispatching once in the morning and evening; establishing a work log, registering the out-of-town situation in a timely manner; and implementing a loan collection responsibility system. Resolutely urge the court to enter the implementation stage for the effective judgment.

3. For corporate non-performing loans, we will try our best to resolve risks by adjusting the leadership team of Lukang Group and reorganizing with Shanghai Pharmaceuticals. Using the interest-reduction policy, the principal of the suspicious loan was successfully recovered; the loss of the loan was 10,000 yuan.

Further strengthen internal management and improve internal control standards

1. In order to implement the spirit of the provincial and municipal governments to continuously promote the management of “double standard” management, according to the system file requirements, the Ministry implemented the weekly work report system, the quality manager monthly monitoring system, the quarterly visit customer system, and the quarterly report. The standard data system and the lobby manager's duty system have brought the basic management to a new level.

2. Organize personnel to actively modify the site files, vigorously promote the system file version 4.0, and work on the quality and internal control system operation management system. In response to personnel changes and competitive recruitment optimization work, the site files were revised, supplemented and improved in time, so that the site archives effectively reflected the essence of continuous improvement, and also improved the mastery of the employees' archives of the site and enhanced the double standard. The understanding of management standards and concepts helps employees to master the basic knowledge of the standard and the risk points of the main business processes, which effectively promotes the effective operation of the double-label management system in our department. The quality and internal control system operation management system on-line work has opened the door for the use of system files by various departments.

Seriously rectify the problems found in various inspections, investigate the responsibility of the relevant responsible persons and enter the quality and internal control system operation management system, and establish a problem database. In order to track the problems found in the audit inspection, our department attached great importance to it, held a special meeting to analyze the reasons for the problems, studied the rectification measures, and organized all employees to study the compliance and internal control knowledge in depth, and asked all members to start from the team members. From the concept, we fully understand the importance of internal control to business development. We start from every operation step in the work, and internal control is carried out throughout the whole process of work, and as a warning, we will try our best to prevent similar problems from happening again. At the same time, according to The principle of consistency of powers and responsibilities is to impose penalties on the relevant responsible persons for reporting criticism, fines and corresponding points.

Further strengthen performance appraisal work and strengthen employee behavior assessment. Since the beginning of this year, for the performance appraisal work, the leadership team of the sales department has combined with the superiors.

The policy has been studied many times, and the basic idea is exactly the same as the provincial line. The current method is initially formed.

In-depth development of the "Shandong Province Branch Case Prevention and Control and Rectification and Tackling Campaign" activities. Do a good job in the safety prevention of key areas, key parts, key links and personnel, resolutely curb the occurrence of all kinds of major liability accidents; strictly regulate the professional behavior of employees, resolutely put an end to the phenomenon of employees taking part-time jobs and doing business; strengthen employee behavior investigation and carry out in-depth Careful ideological and political work, leading cadres directly with employees

Communicate and communicate the contradictions and problems that emerged in the reform in a timely manner, and eliminate various unstable factors. Specific measures are:

1 is that all departments carefully organize the provincial and provincial “tough battle” program, clarify the purpose, goal principle, program steps and prevention and control focus of the tough battle, and attach great importance to case prevention and rectification. In accordance with the actual implementation of the provincial bank plan to refine, enrich and improve, develop a specific implementation plan.

2 is to strictly implement the accountability system for the problems found in internal and external inspections since XX, and increase the accountability. Establish a layer-level prevention and control, level-level implementation of the work mechanism, clear the responsibility of the various work, the implementation of the "tough battle" program is not effective, rectification is not in place, there are repeated investigations and repeated violations, repeatedly do not change, according to points and Punish the principle of parallelism and strictly investigate the responsibility of responsible persons and department heads.

3 is to strengthen employee education, enhance the awareness of all employees compliance management and risk prevention, and the concept that everyone is responsible is deeply rooted in the hearts of the people. Strictly implement the 13 prohibitions of employees who build the [xxxx] No. 51 file.

4 is to become passive and take the initiative to organize a "double-check" work. Focusing on the contents of the 13 bans, we will conduct a full-scale investigation of all employees and effectively build a defense line that is legally operated according to law.

Conduct standardized service service activities

According to the notice of China Construction Bank Co., Ltd. “No. 01—10 Retail Network Transformation Guide” and the related archives spirit of network transformation, the director’s office

Will study and decide, the Ministry decided to carry out standardized service service activities. First, the "Guiding Opinions on Strengthening Service Management" was formulated, which detailed the service standards for the business department of China Construction Bank Jining Branch and the implementation plan for standardization service supervision.

Corporate culture is getting better

1 Our department organized in-situ long-term employees, short-term contract employees, internal retired employees, and sick leavers to go to affiliated hospitals for comprehensive health checkups in this phase, and plans to collect physical examination records and establish employee personal health records. 2 In the celebration ceremony and cultural performance held on June 29th, the female chorus selected by the branch of the municipal business department: "Red Women's Army Liange" won the second prize.

Second, the existing problems

The mature management philosophy and scientific development concept have not yet been deeply rooted in the hearts of the people. The business ideas are not broad and the ideas are not liberated. The ability to analyze risks and prevent risks needs to be further improved.

The development between businesses is not balanced.

The personal deposit indicators that restrict the development of our department are completed, but the fluctuations are too large.

Insufficient capacity for sustainable development, deposits are subject to several large companies, companies

There are too few high-quality customers in the asset-like business, and there is a big gap between the discounted business and the brothers. The international business has not yet established a stable customer base.

Third, work arrangements and plans for next year

In response to the above problems, next year, our ministry will be the leader of the municipal party committee.

Guided by the actual situation of our ministry, we will further deepen various reforms and strive for steady and rapid development of work. The basic working ideas are:

Focus on the development of various business indicators. Give full play to the advantages of the large number of large customers in the sales department, take the company's business as a breakthrough point, promote the development of deposits and intermediary business; take the large customer loan business as the leader, expand the comprehensive wealth management business under the new situation, and enhance the competitiveness of our bank; Promote the growth of personal deposits with vip customers and personal wealth management services; stabilize personal deposits by means of upgrading and stabilizing service standards. Specific measures are:

Continue to pay close attention to deposit work, not to relax, to ensure the work of our department deposits

Steadily climbed. Corporate deposits focus on new accounts, and personal deposits focus on maintaining stable deposit balances at the beginning of the year and developing payroll services.

Improve employee service awareness, optimize service environment, and promote service development in depth.

Continue to strengthen risk prevention work to ensure the healthy development of various businesses.

Highlight the priority development status of the fee-based business and continue to promote the rapid development of the fee-based business of the Ministry.

Strengthen the building of leading bodies.