Work Summary > Financial Work Summary

Summary of the work of the Bank's Housing Department in XX

The year of XX is a key year for the Bank to implement the shareholding system reform. It is the year of implementation of the Bank's development strategy, the year of reform of the system and mechanism, and the key year for public listing. In this year, under the correct leadership of the superior and sub-branch party committees and the joint efforts of all the staff, the Ministry of Housing and Information has put forward the principle of “not finding difficulties for the difficulties, only for success” with full spirit, high morale and down-to-earth work style. "Thinking ways", work ideas, emancipate the mind, update concepts, constantly innovate working methods, overcome various difficulties encountered in the work, strictly implement the rules and regulations and business measures of the superiors and sub-branches, and develop the "business development" around the provincial branches. Key policies and policies such as "year" and "safe operation year" have been carried out in a solid manner. First, implement the work arrangements and requirements of the higher-level banks and sub-branch party committees for the year of XX, attach great importance to them, and closely cooperate with the sub-branches to carry out various special governance work. XX is the "safety year" established by the branches of Guangdong Province. In order to implement the various work arrangements and requirements of the provincial branch and the party committee for the "safe years", the Ministry of Work has established a "safety year" work leading group to formulate "house letters". The “Safe Year” Work Implementation Plan will use the learning time of the after-school meeting to convey the spirit, work arrangement and deployment of the meetings of the superior and sub-branches to each employee in a timely manner so that all employees can clearly understand the current situation of the Bank. , tasks and requirements; organize all employees to study the "Safety Year" Work Implementation Plan, "Illegal Laws and Regulations Special Governance Work Implementation Plan", "China Bank's Staff Violation Actions" and other files, to carry out the study and analysis of typical cases And discussion, through study and discussion, implement the case prevention system, so that all employees can understand the importance and necessity of safety precautions, clarify various rules and regulations, strengthen the concept of obeying laws and regulations, and firmly establish a sense of integrity, self-discipline and risk prevention. And use this to guide the daily work of our department to ensure that all businesses are legal and compliant; Home, talking about a hundred people, a hundred points to "work activity requirements through individual talk, home visits and other forms of thinking to understand the dynamic staff to help employees solve difficult aspects of the work, family and other staff to grasp the situation. While doing all kinds of special governance work, our department pays attention to cultivating the professional ethics of employees. This year, our department has strengthened the organizational discipline of employees, educated employees to be dedicated and dedicated, and advocated employees to carry forward selfless dedication and encourage employees to actively participate in the table tennis, basketball, badminton and other activities organized by the sub-branch. Fully mobilize the enthusiasm and creativity of employees, carry forward the team spirit, enhance the cohesiveness and combat effectiveness of the department, and improve the work efficiency of the department. Second, to meet the difficulties, do a good job in personal loan marketing, and achieve a rebound in loan balances. The year of XX is the “Business Development Year” formulated by the Guangdong Branch of the Bank. At the beginning of the year, the provincial branch issued a new business mortgage loan balance of RMB 210 million to the branch of our branch, and the balance of personal consumption loans increased by 34 million yuan. However, until September, the balance of various types of loans did not rise and fell, and the balance of personal consumption loans decreased by 42.32 million yuan compared with the beginning of the year; the balance of personal housing mortgage loans decreased by 17.89 million yuan compared with the beginning of the year; the balance of personal commercial housing loans decreased by 7.79 million yuan compared with the beginning of the year. . The business development is not ideal, mainly for the following reasons: First, the personal consumption loan of our bank has a greater restriction on the use of loans by customers. The requirements for application materials are strict, and customers are not willing to apply for personal consumption loans to us. Second, The operation method of the Bank's loan assisting business failed to meet the market demand, and the business loan business was restricted. Third, since the provincial branch stopped the operation of the development loan and personal mortgage loan business of the branch in early XX, the developer did not resume with my branch. Confidence in cooperation; Fourth, my branch has a strong dependence on personal housing mortgage loans, and business development is uneven; Fifth, the Bank’s credit policy has tightened, and the entry threshold for personal loans has been relatively high. Sixth, the Bank’s mortgage business policy is not competitive enough. Seventh, due to the impact of the People's Bank of China to increase the interest rate of mortgage loans, customers have a large amount of repayment in advance. In the face of difficulties and problems, the Ministry has taken various measures to reverse the unfavorable situation. 1. Separate positions and clarify responsibilities. The Ministry of Housing and Information is formed in August from XX in the original real estate finance client department, individual customer department and personal banking department. After the establishment of the department, the Ministry of Housing and Information Department immediately set up the "Deal Position and Post Responsibility Program". According to the needs of business division and process control, the front and back office positions will be divided into loan business sales, provident fund business, and loan business declaration. Jobs, loan distribution posts, customer service posts, post-loan management posts, file management posts, and comprehensive management posts have clearly defined the responsibilities of each post, basically achieving the goal of reasonable division of labor, clear responsibilities, and post-balance. 2. Optimize business processes and strengthen business training. During the development of our business, developers generally asked my branch to increase the speed of loan issuance. In order to restore the confidence of developers and our bank, and accelerate business development, our department has improved and optimized the loan business process. First of all, the newly developed personal loan business system is used to realize the functions of loan information input, sharing and foreign machine modification between the loan business declaration post and the loan distribution post, so that the loan application materials can be applied to the loan application and the contract. Printing, loan issuance and other links have avoided the duplication of information entered in each position, reduced the chance of error, and further optimized the loan issuance process. Secondly, the loan account is established in the loan business declaration post and the loan issuance post. Detailed registration of the receipt of each loan application, the completeness of the application materials, the progress of the loan issuance, whether the return is returned, and the reason for the return. Through the establishment of the ledger, the staff of the two positions can have a clear understanding of the state of the loan, which facilitates the inquiry of the progress of the loan by the developer or the customer, and also avoids the delay of the issuance of the loan due to work errors. Finally, set the working time limit for the loan business declaration post and loan disbursement post, strengthen the control over the time of each loan, and speed up the lending.

recommended article

popular articles