Summary of bank work in 2019
Under the correct leadership of the higher-level bank, the county party committee and the county government, XX Construction Bank earnestly implemented the spirit of the work conference of the higher-level banks and comprehensively implemented the guiding ideology of “catch marketing, prevent risks, and increase efficiency”. With the support of all walks of life, various departments and customers, through the joint efforts of the whole bank, all business work has been healthy.
First, strengthen marketing, and various businesses continue to grow.
1. Deposit and loan business. Since the beginning of this year, the development of traditional business has been better, and the volume of deposit and loan business has been enlarged. As of the end of November, the full-caliber deposits increased by 17.6 million yuan in the same year, completing 103% of the tasks assigned by the higher-level banks. The loan business was issued a total of 10.6 million yuan in the whole year, an increase of 3.1 million yuan over the same period of last year, which effectively realized the purpose of increasing operating efficiency and supporting economic development.
2. Settlement business. Since the beginning of this year, with the continuous increase of business products launched by the Bank, the service means have continued to increase, and the settlement volume of various businesses has increased by a large amount. In the whole year, a total of 670,000 business procedures were handled, and the fund settlement amount was 900 million yuan. Among them, cash payment was 430 million yuan, an increase of 23% over the same period last year.
3. Profit situation. With the increase in business volume throughout the year, the income from intermediary business grew rapidly. In the whole year, the company realized a total income of 2.61 million yuan and realized a book profit of 930,000 yuan. Compared with last year, it has reached a new level and reached the best level in history.
Second, integrate internal resources and implement a large business office system.
I act to strengthen the linkage between various departments, enhance work efficiency, further improve the coordination of service allocation, and ensure the healthy development of various businesses. At the beginning of this year, all business departments and business positions were concentrated in the business office, and the leaders were assigned to the office. All departments are co-located in one room, minimizing the process links, and actively conducting linkage marketing and linkage coordination. In this year's account specification clean-up special governance, the implementation of new account management methods and quarterly reconciliation work, fully demonstrate its positive effects, several jobs in the city line top. The business of the public business grew rapidly, and the business of individual silver rose steadily.
Third, strengthen the examination and approval management to prevent credit risks.
Preventing credit risk is a top priority determined by the head office this year. Although we only have to apply for the transfer of small pledge loans, we are not willing to slack off, the credit approval authority is charged at the first level, and all the loans have directors personally check Approval. At the same time, the credit officers and the approvers were also organized to study the relevant file regulations, to clarify the details, to find a foothold in the law, and to clarify several key links. First, I am required to apply for it, that is, if someone else borrows money, I also need to sign the power of attorney as a credit officer. The second is to adhere to the principle of prudence. For any doubtful bill, it is not possible to rely solely on the evidence provided by the creditor. The credit officer must personally check and verify the evidence. The third is to adhere to the system of who accepts who is responsible, and the performance and year-end assessment, and strengthen the identification of responsibility. After a good effort, the loan non-performing amount and the non-performing rate were all kept at zero. We made as much contribution as possible to the downward movement of our non-performing loan ratio.
Fourth, change business philosophy and strengthen service quality.
At the beginning of this year, the leadership team of our bank earnestly studied and understood the spirit of the development strategy of the higher-level banks. Based on the actual situation of the Bank, we consciously positioned the operation as a silver business and focused on economic benefits. Firmly establish two centers, focus on efficiency in management, and focus on customers in marketing. Consciously put efficiency and value added as one of the main criteria for measuring every decision in every business and management. Consciously use the customer as a service center. In order to serve our customers, this year we have improved the facilities and environment for business on the premise of thrift on the hardware; we are fully inclined to the front line and fully enrich most of the personnel to the business office; overcome their own difficulties and adjust the position configuration. The service window will be added to further reduce the waiting time of customers and make every effort to improve the convenience of handling business. Further strengthen the concept of service, strengthen education, supervision, and constantly improve the service level, initially achieved the full line of behavior, the atmosphere of all employees, promoted the progress of the work, and achieved good results.
In short, in the work of XX Construction Bank in XX, through the joint efforts of all employees, we have achieved certain results, and there are also many shortcomings, especially the unbalanced development of various businesses, which has become a bottleneck restricting the development of our bank. In the future work, we must continue to work hard, carry forward achievements, improve the deficiencies, and promote the further development of the Bank.
First, strengthen marketing, and various businesses continue to grow.
1. Deposit and loan business. Since the beginning of this year, the development of traditional business has been better, and the volume of deposit and loan business has been enlarged. As of the end of November, the full-caliber deposits increased by 17.6 million yuan in the same year, completing 103% of the tasks assigned by the higher-level banks. The loan business was issued a total of 10.6 million yuan in the whole year, an increase of 3.1 million yuan over the same period of last year, which effectively realized the purpose of increasing operating efficiency and supporting economic development.
2. Settlement business. Since the beginning of this year, with the continuous increase of business products launched by the Bank, the service means have continued to increase, and the settlement volume of various businesses has increased by a large amount. In the whole year, a total of 670,000 business procedures were handled, and the fund settlement amount was 900 million yuan. Among them, cash payment was 430 million yuan, an increase of 23% over the same period last year.
3. Profit situation. With the increase in business volume throughout the year, the income from intermediary business grew rapidly. In the whole year, the company realized a total income of 2.61 million yuan and realized a book profit of 930,000 yuan. Compared with last year, it has reached a new level and reached the best level in history.
Second, integrate internal resources and implement a large business office system.
I act to strengthen the linkage between various departments, enhance work efficiency, further improve the coordination of service allocation, and ensure the healthy development of various businesses. At the beginning of this year, all business departments and business positions were concentrated in the business office, and the leaders were assigned to the office. All departments are co-located in one room, minimizing the process links, and actively conducting linkage marketing and linkage coordination. In this year's account specification clean-up special governance, the implementation of new account management methods and quarterly reconciliation work, fully demonstrate its positive effects, several jobs in the city line top. The business of the public business grew rapidly, and the business of individual silver rose steadily.
Third, strengthen the examination and approval management to prevent credit risks.
Preventing credit risk is a top priority determined by the head office this year. Although we only have to apply for the transfer of small pledge loans, we are not willing to slack off, the credit approval authority is charged at the first level, and all the loans have directors personally check Approval. At the same time, the credit officers and the approvers were also organized to study the relevant file regulations, to clarify the details, to find a foothold in the law, and to clarify several key links. First, I am required to apply for it, that is, if someone else borrows money, I also need to sign the power of attorney as a credit officer. The second is to adhere to the principle of prudence. For any doubtful bill, it is not possible to rely solely on the evidence provided by the creditor. The credit officer must personally check and verify the evidence. The third is to adhere to the system of who accepts who is responsible, and the performance and year-end assessment, and strengthen the identification of responsibility. After a good effort, the loan non-performing amount and the non-performing rate were all kept at zero. We made as much contribution as possible to the downward movement of our non-performing loan ratio.
Fourth, change business philosophy and strengthen service quality.
At the beginning of this year, the leadership team of our bank earnestly studied and understood the spirit of the development strategy of the higher-level banks. Based on the actual situation of the Bank, we consciously positioned the operation as a silver business and focused on economic benefits. Firmly establish two centers, focus on efficiency in management, and focus on customers in marketing. Consciously put efficiency and value added as one of the main criteria for measuring every decision in every business and management. Consciously use the customer as a service center. In order to serve our customers, this year we have improved the facilities and environment for business on the premise of thrift on the hardware; we are fully inclined to the front line and fully enrich most of the personnel to the business office; overcome their own difficulties and adjust the position configuration. The service window will be added to further reduce the waiting time of customers and make every effort to improve the convenience of handling business. Further strengthen the concept of service, strengthen education, supervision, and constantly improve the service level, initially achieved the full line of behavior, the atmosphere of all employees, promoted the progress of the work, and achieved good results.
In short, in the work of XX Construction Bank in XX, through the joint efforts of all employees, we have achieved certain results, and there are also many shortcomings, especially the unbalanced development of various businesses, which has become a bottleneck restricting the development of our bank. In the future work, we must continue to work hard, carry forward achievements, improve the deficiencies, and promote the further development of the Bank.
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