Bank customer department work summary
Since the beginning of this year, under the correct leadership of the leadership team of the branch and the serious guidance of the professional departments of the higher levels, our department has adhered to the market-oriented, economic efficiency as the center, organized funds, expanded the market, adjusted the asset structure, and cultivated gold customers. The goal of maximizing profit is to be realistic, to overcome difficulties, and to complete the work of this year more satisfactorily. The specific situation is summarized as follows:
I. A brief review of the work of the customer department in XX. Deposit work 1. Unit deposits: In XX years, the unit deposits of the sub-branches increased rapidly. As of December 31, the unit deposit balance reached 10,000 yuan, a net increase of 10,000 yuan compared with the beginning of the year. In the same period of the year, the company increased by 10,000 yuan, and completed the annual plan. The unit deposits increased by 10,000 yuan each year, and the annual plan was completed. Among them, the newly added unit deposits are mainly the 100 million yuan increase of social security fund households of xx City Finance Bureau and the 100 million yuan deposit of xx University of Science and Technology. In this work, the branch insisted on stabilizing old customers and working hard to expand the marketing principles of new customers. In the whole year, we focused on the following tasks: First, strengthen leadership and implement responsibilities. At the beginning of the year, the sub-branch held a unit deposit work conference several times, earnestly summed up the experience, and formulated the implementation plan for unit deposit work this year. The work steps were clarified, the indicators were decomposed and implemented at the grassroots level, and the corresponding evaluation plan and reward and punishment measures were designated quarterly, which enhanced the sense of responsibility and urgency of the grassroots units and improved the enthusiasm and creativity of the employees. Second, update concepts and strengthen management. First, starting from the concept of change, we have organized training and training for employees many times, so that everyone has established a business philosophy of “focusing on efficiency, targeting the market, taking the initiative to attack, and making all employees profitable”, and changing “I want to save” is “I want to take Save." Second, adhere to the principle of “managing benefits”, strengthen internal management, and pay close attention to service quality. The Bank established the “Marketing and Leading Group for Marketing and Deposit Work”, which was headed by the top leaders and adhered to the “Large Deposit Transfer Reporting System”. At the same time, various measures were taken to improve the working environment and improve the quality of staff services. Third, seize the opportunity and strive to increase. In April, the head office approved the Bank's grant of a loan of 300 million yuan to the Polytechnic University. The loan, according to the original intention of the Polytechnic University, should be distributed in phases and on a case-by-case basis according to the progress of the project. However, in line with the idea of early benefiting and creating maximum benefits, the Bank issued a full reimbursement to the Polytechnic University on April 30, after many consultations with the Polytechnic University and a quick pre-lending investigation and a series of related work. With a loan of 300 million yuan, by the end of the year, the detained funds exceeded 100 million yuan. The fund account for tuition fees was also transferred to the Bank, which played a key role in completing the annual unit deposit task. 2. Savings deposit work: By the end of XX, the balance of savings deposits of sub-branches reached 10,000 yuan, a net increase of 10,000 yuan compared with the beginning of the year, an increase of 10,000 yuan over the same period of the previous year, and the completion of the annual plan; the savings deposits increased by 10,000 yuan per year, and the annual calculation was completed. % of the painting; the balance of foreign currency savings is equivalent to RMB 10,000, a net increase of 10,000 yuan compared with the beginning of the year, and the annual plan is completed; the balance of education savings is 10,000 yuan, net increase of 10,000 yuan compared with the beginning of the year, and the annual plan is completed. In the “Welcome New Year” event in the first quarter, the sub-branch was based on pre-emptive early, active deployment, and teamwork, and achieved good results in this activity. The balance of foreign currency savings of branches and sub-banks was up to RMB 10,000, and the title of advanced unit of foreign currency savings was obtained. The RMB savings of the branch business department increased by 10,000 yuan compared with the beginning of the year, and the title of advanced collective of savings was obtained. Comrade Zhang Zhuping of Jingyang Branch was awarded the title of advanced individual. As of the end of December, the intermediate business income of the sub-branch was gratifying, achieving 10,000 yuan, an increase of 10,000 yuan over the same period of the previous year, and completing the annual plan. Among them, the performance of agency life insurance was outstanding. In the whole year, the insurance premium income of insurance agency business was 10,000 yuan, which was more than 10,000 yuan over the same period of the previous year. It was more than 10,000 yuan for the branch. In addition, the income from bank card intermediary business also reached a high level. As can be seen from the above figures, the income of the intermediary business of the Bank has grown rapidly, and the agency life insurance business has contributed. Our main practices are as follows: 1. Arranging special personnel to be responsible for business liaison and relationship coordination with insurance companies, and strengthening cooperation with insurance companies; at the same time, sending more people to other commercial banks in the city to “take the experience” to conduct on-the-spot understanding as a customer. , learn their good practices and experience. 2. Improve the awareness of all employees on the agency insurance business, and enhance their enthusiasm and initiative. At the beginning of the year, the Bank decomposed the plans for the insurance business at various levels, and implemented them for each branch office and each employee, so that “there is a heavy burden on everyone, and there are indicators on everyone’s shoulders”. We pay attention to increase the internal propaganda, so that employees realize that the agency insurance business is an emerging business that benefits others, and stimulates the enthusiasm and initiative of the work. In terms of external publicity, through the service outlets to post posters, send leaflets, face-to-face explanations, etc., vigorously promote the benefits of insurance business, increase its visibility, and let more people know and understand insurance. 3. Take effective measures to increase job training and improve their service skills in the business. In order to do a good job in agency insurance business, we have overcome the difficulties of small staff and heavy tasks. We have cooperated with various insurance companies and actively organized personnel to use unified rest time and break time to organize employees to conduct insurance business training in stages. Insurance knowledge, teaching marketing skills. 4. Establish a daily reporting system for agency insurance business. We have designated a highly operational inspection and evaluation program, implemented the "Daily Report", "Weekly Inspection", and "Monthly Notification" system, established the insurance business sales account, and always grasped the sales information. Bank card work ended December 31, the bank card business income of the branch bank performed well, totaling 10,000 yuan, completing the annual plan %; deposit balance of 10,000 yuan; bank card issue amount balance Zhang, net increase from the beginning of the year; bank card The cumulative consumption of consumption is 10,000 yuan, and the annual plan is completed. Since February 16, XX, the Agricultural Bank of China has started to implement new financial service charging standards. Many customers have not handled business in China because they charge fees. This is mainly because the corresponding fees are charged, but our bank’s The staff is enthusiastic and has won the customers in good faith. Taking the Youth Road Branch Office as an example, the income of the bank card intermediary business in the branch office is soaring because the employees of the bank are not afraid of difficulties, and actively seek the individual industrial and commercial households in the vicinity to go to the bank to handle the bank card remittance business, thus making the branch office The bank card intermediary business income has increased significantly. Although the bank card income of the branch is completed well, the completion of the annual plan for other indicators is not optimistic. In response to the uneven development of the indicators of the bank cards, in May this year, the sub-branch formulated and implemented the “XX Branch XX Bank Card and E-Banking Management Appraisal Method” and “XX Branch XX Annual Golden Harvest Card”. +n "Activity Implementation Plan", at present, these two assessment methods have achieved results, fully mobilized the enthusiasm of all employees' bank card work, "Love me Jinsui, use my golden spike" has become every employee of our bank The purpose of the work, only one month in June, employees spent more than 500,000 yuan on card spending, at the same time, through the branch's multi-party public relations marketing, and xx Polytechnic University and other colleges and universities reached an agreement to handle the debit card for the new students, It has brought a qualitative leap to the bank card work of the sub-branch, which has led to a balanced and rapid development of bank card issuance, bank card deposits and bank card business income. As of December 31, the loan balance of the Bank's customer department totaled 10,000 yuan; the non-performing loan was 10,000 yuan at the beginning of the year, and the non-performing loan was 10,000 yuan at the beginning of the year; The balance of the loan according to the four levels is 10,000 yuan. The balance of non-performing loans classified by five levels is 10,000 yuan. We have cultivated 4 excellent customers and newly invested 358 million yuan in credit funds, which strongly supported the development of the regional economy. On the collection of non-performing loans, we carried forward the conditions and there is no article. The spirit of creating conditions, adjusting ideas, changing concepts, adapting to local conditions, and arranging bad loans for 10,000 yuan and revitalizing 10,000 yuan. Summarizing the whole year, we mainly did the following work: 1. Reasonably adjust the credit asset structure, actively cultivate gold customers, and earnestly improve the profitability of credit assets. A scientific and rational credit asset structure plays an important role in improving asset quality, controlling credit risk, and achieving good overall benefits. In the work, we conscientiously implemented the policy of profit-oriented, market-oriented and vigorously adjusting credit assets proposed by the provincial bank. On the basis of customer credit evaluation, we strongly refused to support loans for restricted and eliminated customers. Strict compression plan, actively advocate the "one insurance, two competition, three expansion, four retreat" business strategy, improve the inferior customer exit mechanism. In determining the new loan investment, we adhere to the principle of combining risk control and comprehensive benefits, and strive to use limited funds on the “blade” to completely eliminate credit, referential loans, personal loans, relationship loans, and do everything possible to control credit supply. Breakthrough points, deepen potential customer resources, proactively increase the development of quality customers, focus on cultivating large-scale gold customers and advantageous enterprises with better business prospects, and effectively optimize the loan structure. Xx University of Science and Technology wants to carry out the construction of the South Campus project, and urgently needs the credit support of the bank. This is undoubtedly an excellent project for the Bank to rationally adjust the credit asset structure, actively cultivate gold customers, and effectively improve the profitability of ___ credit assets. After careful preparation and overall planning, the customer department led the marketing leadership to the xx University of Technology. The huge benefits of the xx University of Science and Technology project attracted a number of strong competitors such as the Communist Party, CCB, and Bank of Communications, all of whom wanted to earn their income. Faced with this situation, the leadership of the Bank actively carried out market marketing under the strong support of the superior bank. Once I can't do it, I go twice. While marketing the school, I also subtly carry out higher-level marketing for the school's competent departments. The indomitable spirit finally touched the school leaders. He said: "I really served you this tenacity. I have seen many leaders. But like you, such a dedicated leader, I will see you for the first time. OK, we will be with you. Established a credit relationship." In order to make the credit funds of the school project early, it will be effective early. In order to make the credit funds of the school project early, it will be effective. With the help of the superior bank, the Bank applied to the head office for special services. The leaders went to the head office several times to report on the project and seek policy support. After unremitting efforts, we finally succeeded in developing xx University of Technology into a good customer of our bank. The pattern of mutual benefit between banks and enterprises has been formed. In addition, the Bank issued loans of RMB 58 million to companies such as xx City Street Lights and xx Baths Co., Ltd. 2. According to the deployment of the superior bank, the non-performing asset sub-accounting operation will be implemented. At the beginning of the year, according to the deployment of the superior bank, the customer department of our bank actively implemented the sub-account operation of non-performing loans. Working overtime, this strategically important job was completed with quality and quantity. A total of 282.63 million yuan of non-performing loans realized sub-accounting operations, which played a crucial role in promoting the Bank's efforts to reduce operating pressure, optimize asset quality and improve asset structure. 3. Improve working methods, refine work measures, and actively do the work of collecting interest. The leadership and staff of the customer department of our bank, under the correct leadership of the leadership, improved the working methods, refined the work measures, actively penetrated the enterprise, and implemented the interest early. In addition, the front desk accountant assisted in optimistic about the loan business account, so that the loan interest is not lost. Thanks to the leadership and effective measures, the work of collecting interest has achieved good results. A total of 10,000 yuan of interest income was realized throughout the year. 4. In the first half of the year, on the basis of the optimization increment, we increased the efforts to collect and rectify the non-performing loans. Combined with various indicators and actual work, after careful measurement, the indicators will be horizontally decomposed into people, and the vertical decomposition will be implemented to the enterprise, so that “there are thousands of burdens and everyone’s shoulders, and there are indicators on everyone’s shoulders”. In the work of collecting non-performing loans, we carefully deployed and carefully arranged and achieved a staged victory in clearing the loan and collecting interest. 5, do a solid post-loan management work. In XX, xx Bank Head Office took the post-lending management work from the strategic height as one of the “Four Major Projects” of this year as the top priority of the annual credit work. In order to make the post-loan work of credit customers work hard, our customer department is working hard to learn the relevant knowledge and business of post-loan management, and continue to delve into and explore in practice. Management work. Xx University of Technology is a big customer of our bank, and post-loan management is especially important. After the loan was issued, the Bank earnestly implemented the loan management system of the higher-level bank, and timely monitored the company's funds and project progress. He has repeatedly in-depth school teaching and construction sites, conducted on-the-spot inspections, and in accordance with the relevant provisions of post-loan management, strengthened the adjustment of the post-loan management team, and enriched the staff with excellent business, strong sense of responsibility and high quality. In the meantime, an account manager group was set up and a risk manager was set up. The customer manager team is the team leader: Sun Guoqi, deputy leader: x0, group members: x1, x2, x3, which determines the chief executive of the business management manager after the loan; the risk manager is x4, x5. As a key customer, the provincial and municipal banks are equipped with an account manager group. During the post-loan management process, the customer department of the Bank strictly performs the main duties of the customer department's post-loan management, the use of funds, the implementation of restrictive clauses, the construction of the project and others. The relevant situation is carefully reviewed and processed. In accordance with the post-loan management plan developed by the account manager group, we will work hard to maintain the post-loan. II. Deployment and Outlook of XX Year Work Looking back at the work of XX years, although we have basically completed the work plan set at the beginning of the year and achieved certain results, the gaps and shortcomings in individual areas cannot be ignored. We will sum up experience. Make up for the shortcomings, work hard, and innovate. Therefore, next year's work focus will be on continuing to control costs, expand market marketing efforts, vigorously expand market marketing share, strengthen services, and improve credit management. 1. Strengthening cost control At present, from the quantitative analysis of the business operations of the Bank, we can see that the increase ratio of deposit balance and the increase ratio of profits are not completely consistent, the card issuance amount and bank card balance. It is also not proportional. Analysis of the reasons, mainly due to the increase in income, our cost control is still not enough. For example, in terms of the amount of bank card issuance, in the previous years, some branch offices simply pursued the number of cards issued regardless of quality and efficiency, and opened many empty cards and long-term fixed cards. This dormant card does not generate profits. The cost has increased, so our department will strictly control costs next year to ensure maximum profit. 2. Increasing market marketing efforts Market marketing is an eternal theme in the work of modern commercial banks. In view of this, in XX, our ministry will actively promote public relations, increase publicity efforts, and strive to make marketing work more detailed and bigger. . At the same time, it will continue to implement “1+n” bank card card consumption activities, where “1” refers to employee card consumption, “n” refers to employee development and mobilization of cardholders’ card consumption, that is, employee’s Card consumption drives consumption of the surrounding consumer groups, with a view to expanding the influence of bank cards and increasing intermediary business income and bank card deposits. In addition, our department will continue to supervise and guide all branches and savings offices to increase the marketing of deposits, strive to expand the life insurance agency business market, develop new target customers, and create greater benefits for the sub-branches. 3. Strengthening services In the increasingly fierce market competition, the advantages and disadvantages of services have a direct impact on the efficiency of enterprises. For example, the service of “Haier” has won more customers under the condition of equal quality. Under the existing soft and hard conditions, our bank's intensive service is an effective way to increase efficiency. 200 In the past five years, our ministry has been actively pursuing the improvement of service quality and improvement of service methods as an important part of daily work. The problems found in the regular and irregular supervision and inspection shall be corrected in a timely manner and dealt with seriously. In the middle of the staff to carry out the "if I am a customer" discussion, carry out empathy, make it think of the customer's thoughts, urgency of the customer's urgency, set aside the customer to solve problems. 4. Improving credit management The work of XX years makes us soberly aware that there are hidden gaps and shortcomings behind the achievements. Based on this, next year we will sum up experience, analyze the shortcomings, consolidate the existing achievements, strengthen our confidence, and then work hard to focus on the following tasks: further adjust the credit structure, strengthen credit risk management, and improve the quality of credit assets. To do this work well, we must achieve "three plus", that is, the adjustment of credit structure should be accelerated; the collection of non-performing loans should be strengthened; risk management should be strengthened. The “acceleration” of structural adjustment refers to the business development strategy of “grasping two heads and one guarantee, two competitions, three expansions, and four retirements” established by the provincial party committee, vigorously compressing the loan occupation of inferior customers, and striving to increase the proportion of loans to excellent customers. Actively expand, cultivate and consolidate a good customer base. We should be market-oriented, customer-oriented, and profit-oriented, update our business philosophy, actively seize the market share of consumer loans, accelerate the issuance of consumer loans, and improve the structure of credit assets. To “reinforce” the need to further Concentrate on the spirit, concentrate time, concentrate manpower, increase efforts, and maximize the revitalization of non-performing loans to alleviate the tightness of funds, thereby freeing up limited credit funds, supporting customers with products, operating profitable customers, and improving the efficiency of capital use; risk To "strengthen" management means to manage quality and efficiency, select new loans to surrender, strengthen post-loan management, and effectively optimize increments, strive to prevent and resolve credit asset risks, and improve the management of credit assets. On the basis of the optimization increment, on the basis of avoiding the increase before the clearing, we must continue to increase the efforts to collect and rectify the non-performing loans and recover the interest. It is necessary to strengthen the leadership to implement responsibilities, clarify the stage objectives, and persist in grasping the early and persistent efforts. It is necessary to combine various indicators and actual work, carry out precision calculations, implement horizontal decomposition of indicators into people, and implement longitudinal decomposition into enterprises. After the collection target is decomposed into loan officers, it is necessary to sign the “Responsibility for Non-performing Loan Collection” to clarify the specifics. Goals are then tied to individual wages and bonuses. Monthly assessment, cashed on a quarterly basis. In accordance with the requirements of responsibility and time, the work of collecting interest should be implemented, and the income should be collected and collected. It is necessary to adopt the goal of clearing the collection, responsible for the collection, the leader of the package to clear the collection, the law according to the law, and the emotional input method for the collection, due to the enterprise policy, a multi-strategy, multi-strategy, strive for early results, early benefits. Xx branch customer department
I. A brief review of the work of the customer department in XX. Deposit work 1. Unit deposits: In XX years, the unit deposits of the sub-branches increased rapidly. As of December 31, the unit deposit balance reached 10,000 yuan, a net increase of 10,000 yuan compared with the beginning of the year. In the same period of the year, the company increased by 10,000 yuan, and completed the annual plan. The unit deposits increased by 10,000 yuan each year, and the annual plan was completed. Among them, the newly added unit deposits are mainly the 100 million yuan increase of social security fund households of xx City Finance Bureau and the 100 million yuan deposit of xx University of Science and Technology. In this work, the branch insisted on stabilizing old customers and working hard to expand the marketing principles of new customers. In the whole year, we focused on the following tasks: First, strengthen leadership and implement responsibilities. At the beginning of the year, the sub-branch held a unit deposit work conference several times, earnestly summed up the experience, and formulated the implementation plan for unit deposit work this year. The work steps were clarified, the indicators were decomposed and implemented at the grassroots level, and the corresponding evaluation plan and reward and punishment measures were designated quarterly, which enhanced the sense of responsibility and urgency of the grassroots units and improved the enthusiasm and creativity of the employees. Second, update concepts and strengthen management. First, starting from the concept of change, we have organized training and training for employees many times, so that everyone has established a business philosophy of “focusing on efficiency, targeting the market, taking the initiative to attack, and making all employees profitable”, and changing “I want to save” is “I want to take Save." Second, adhere to the principle of “managing benefits”, strengthen internal management, and pay close attention to service quality. The Bank established the “Marketing and Leading Group for Marketing and Deposit Work”, which was headed by the top leaders and adhered to the “Large Deposit Transfer Reporting System”. At the same time, various measures were taken to improve the working environment and improve the quality of staff services. Third, seize the opportunity and strive to increase. In April, the head office approved the Bank's grant of a loan of 300 million yuan to the Polytechnic University. The loan, according to the original intention of the Polytechnic University, should be distributed in phases and on a case-by-case basis according to the progress of the project. However, in line with the idea of early benefiting and creating maximum benefits, the Bank issued a full reimbursement to the Polytechnic University on April 30, after many consultations with the Polytechnic University and a quick pre-lending investigation and a series of related work. With a loan of 300 million yuan, by the end of the year, the detained funds exceeded 100 million yuan. The fund account for tuition fees was also transferred to the Bank, which played a key role in completing the annual unit deposit task. 2. Savings deposit work: By the end of XX, the balance of savings deposits of sub-branches reached 10,000 yuan, a net increase of 10,000 yuan compared with the beginning of the year, an increase of 10,000 yuan over the same period of the previous year, and the completion of the annual plan; the savings deposits increased by 10,000 yuan per year, and the annual calculation was completed. % of the painting; the balance of foreign currency savings is equivalent to RMB 10,000, a net increase of 10,000 yuan compared with the beginning of the year, and the annual plan is completed; the balance of education savings is 10,000 yuan, net increase of 10,000 yuan compared with the beginning of the year, and the annual plan is completed. In the “Welcome New Year” event in the first quarter, the sub-branch was based on pre-emptive early, active deployment, and teamwork, and achieved good results in this activity. The balance of foreign currency savings of branches and sub-banks was up to RMB 10,000, and the title of advanced unit of foreign currency savings was obtained. The RMB savings of the branch business department increased by 10,000 yuan compared with the beginning of the year, and the title of advanced collective of savings was obtained. Comrade Zhang Zhuping of Jingyang Branch was awarded the title of advanced individual. As of the end of December, the intermediate business income of the sub-branch was gratifying, achieving 10,000 yuan, an increase of 10,000 yuan over the same period of the previous year, and completing the annual plan. Among them, the performance of agency life insurance was outstanding. In the whole year, the insurance premium income of insurance agency business was 10,000 yuan, which was more than 10,000 yuan over the same period of the previous year. It was more than 10,000 yuan for the branch. In addition, the income from bank card intermediary business also reached a high level. As can be seen from the above figures, the income of the intermediary business of the Bank has grown rapidly, and the agency life insurance business has contributed. Our main practices are as follows: 1. Arranging special personnel to be responsible for business liaison and relationship coordination with insurance companies, and strengthening cooperation with insurance companies; at the same time, sending more people to other commercial banks in the city to “take the experience” to conduct on-the-spot understanding as a customer. , learn their good practices and experience. 2. Improve the awareness of all employees on the agency insurance business, and enhance their enthusiasm and initiative. At the beginning of the year, the Bank decomposed the plans for the insurance business at various levels, and implemented them for each branch office and each employee, so that “there is a heavy burden on everyone, and there are indicators on everyone’s shoulders”. We pay attention to increase the internal propaganda, so that employees realize that the agency insurance business is an emerging business that benefits others, and stimulates the enthusiasm and initiative of the work. In terms of external publicity, through the service outlets to post posters, send leaflets, face-to-face explanations, etc., vigorously promote the benefits of insurance business, increase its visibility, and let more people know and understand insurance. 3. Take effective measures to increase job training and improve their service skills in the business. In order to do a good job in agency insurance business, we have overcome the difficulties of small staff and heavy tasks. We have cooperated with various insurance companies and actively organized personnel to use unified rest time and break time to organize employees to conduct insurance business training in stages. Insurance knowledge, teaching marketing skills. 4. Establish a daily reporting system for agency insurance business. We have designated a highly operational inspection and evaluation program, implemented the "Daily Report", "Weekly Inspection", and "Monthly Notification" system, established the insurance business sales account, and always grasped the sales information. Bank card work ended December 31, the bank card business income of the branch bank performed well, totaling 10,000 yuan, completing the annual plan %; deposit balance of 10,000 yuan; bank card issue amount balance Zhang, net increase from the beginning of the year; bank card The cumulative consumption of consumption is 10,000 yuan, and the annual plan is completed. Since February 16, XX, the Agricultural Bank of China has started to implement new financial service charging standards. Many customers have not handled business in China because they charge fees. This is mainly because the corresponding fees are charged, but our bank’s The staff is enthusiastic and has won the customers in good faith. Taking the Youth Road Branch Office as an example, the income of the bank card intermediary business in the branch office is soaring because the employees of the bank are not afraid of difficulties, and actively seek the individual industrial and commercial households in the vicinity to go to the bank to handle the bank card remittance business, thus making the branch office The bank card intermediary business income has increased significantly. Although the bank card income of the branch is completed well, the completion of the annual plan for other indicators is not optimistic. In response to the uneven development of the indicators of the bank cards, in May this year, the sub-branch formulated and implemented the “XX Branch XX Bank Card and E-Banking Management Appraisal Method” and “XX Branch XX Annual Golden Harvest Card”. +n "Activity Implementation Plan", at present, these two assessment methods have achieved results, fully mobilized the enthusiasm of all employees' bank card work, "Love me Jinsui, use my golden spike" has become every employee of our bank The purpose of the work, only one month in June, employees spent more than 500,000 yuan on card spending, at the same time, through the branch's multi-party public relations marketing, and xx Polytechnic University and other colleges and universities reached an agreement to handle the debit card for the new students, It has brought a qualitative leap to the bank card work of the sub-branch, which has led to a balanced and rapid development of bank card issuance, bank card deposits and bank card business income. As of December 31, the loan balance of the Bank's customer department totaled 10,000 yuan; the non-performing loan was 10,000 yuan at the beginning of the year, and the non-performing loan was 10,000 yuan at the beginning of the year; The balance of the loan according to the four levels is 10,000 yuan. The balance of non-performing loans classified by five levels is 10,000 yuan. We have cultivated 4 excellent customers and newly invested 358 million yuan in credit funds, which strongly supported the development of the regional economy. On the collection of non-performing loans, we carried forward the conditions and there is no article. The spirit of creating conditions, adjusting ideas, changing concepts, adapting to local conditions, and arranging bad loans for 10,000 yuan and revitalizing 10,000 yuan. Summarizing the whole year, we mainly did the following work: 1. Reasonably adjust the credit asset structure, actively cultivate gold customers, and earnestly improve the profitability of credit assets. A scientific and rational credit asset structure plays an important role in improving asset quality, controlling credit risk, and achieving good overall benefits. In the work, we conscientiously implemented the policy of profit-oriented, market-oriented and vigorously adjusting credit assets proposed by the provincial bank. On the basis of customer credit evaluation, we strongly refused to support loans for restricted and eliminated customers. Strict compression plan, actively advocate the "one insurance, two competition, three expansion, four retreat" business strategy, improve the inferior customer exit mechanism. In determining the new loan investment, we adhere to the principle of combining risk control and comprehensive benefits, and strive to use limited funds on the “blade” to completely eliminate credit, referential loans, personal loans, relationship loans, and do everything possible to control credit supply. Breakthrough points, deepen potential customer resources, proactively increase the development of quality customers, focus on cultivating large-scale gold customers and advantageous enterprises with better business prospects, and effectively optimize the loan structure. Xx University of Science and Technology wants to carry out the construction of the South Campus project, and urgently needs the credit support of the bank. This is undoubtedly an excellent project for the Bank to rationally adjust the credit asset structure, actively cultivate gold customers, and effectively improve the profitability of ___ credit assets. After careful preparation and overall planning, the customer department led the marketing leadership to the xx University of Technology. The huge benefits of the xx University of Science and Technology project attracted a number of strong competitors such as the Communist Party, CCB, and Bank of Communications, all of whom wanted to earn their income. Faced with this situation, the leadership of the Bank actively carried out market marketing under the strong support of the superior bank. Once I can't do it, I go twice. While marketing the school, I also subtly carry out higher-level marketing for the school's competent departments. The indomitable spirit finally touched the school leaders. He said: "I really served you this tenacity. I have seen many leaders. But like you, such a dedicated leader, I will see you for the first time. OK, we will be with you. Established a credit relationship." In order to make the credit funds of the school project early, it will be effective early. In order to make the credit funds of the school project early, it will be effective. With the help of the superior bank, the Bank applied to the head office for special services. The leaders went to the head office several times to report on the project and seek policy support. After unremitting efforts, we finally succeeded in developing xx University of Technology into a good customer of our bank. The pattern of mutual benefit between banks and enterprises has been formed. In addition, the Bank issued loans of RMB 58 million to companies such as xx City Street Lights and xx Baths Co., Ltd. 2. According to the deployment of the superior bank, the non-performing asset sub-accounting operation will be implemented. At the beginning of the year, according to the deployment of the superior bank, the customer department of our bank actively implemented the sub-account operation of non-performing loans. Working overtime, this strategically important job was completed with quality and quantity. A total of 282.63 million yuan of non-performing loans realized sub-accounting operations, which played a crucial role in promoting the Bank's efforts to reduce operating pressure, optimize asset quality and improve asset structure. 3. Improve working methods, refine work measures, and actively do the work of collecting interest. The leadership and staff of the customer department of our bank, under the correct leadership of the leadership, improved the working methods, refined the work measures, actively penetrated the enterprise, and implemented the interest early. In addition, the front desk accountant assisted in optimistic about the loan business account, so that the loan interest is not lost. Thanks to the leadership and effective measures, the work of collecting interest has achieved good results. A total of 10,000 yuan of interest income was realized throughout the year. 4. In the first half of the year, on the basis of the optimization increment, we increased the efforts to collect and rectify the non-performing loans. Combined with various indicators and actual work, after careful measurement, the indicators will be horizontally decomposed into people, and the vertical decomposition will be implemented to the enterprise, so that “there are thousands of burdens and everyone’s shoulders, and there are indicators on everyone’s shoulders”. In the work of collecting non-performing loans, we carefully deployed and carefully arranged and achieved a staged victory in clearing the loan and collecting interest. 5, do a solid post-loan management work. In XX, xx Bank Head Office took the post-lending management work from the strategic height as one of the “Four Major Projects” of this year as the top priority of the annual credit work. In order to make the post-loan work of credit customers work hard, our customer department is working hard to learn the relevant knowledge and business of post-loan management, and continue to delve into and explore in practice. Management work. Xx University of Technology is a big customer of our bank, and post-loan management is especially important. After the loan was issued, the Bank earnestly implemented the loan management system of the higher-level bank, and timely monitored the company's funds and project progress. He has repeatedly in-depth school teaching and construction sites, conducted on-the-spot inspections, and in accordance with the relevant provisions of post-loan management, strengthened the adjustment of the post-loan management team, and enriched the staff with excellent business, strong sense of responsibility and high quality. In the meantime, an account manager group was set up and a risk manager was set up. The customer manager team is the team leader: Sun Guoqi, deputy leader: x0, group members: x1, x2, x3, which determines the chief executive of the business management manager after the loan; the risk manager is x4, x5. As a key customer, the provincial and municipal banks are equipped with an account manager group. During the post-loan management process, the customer department of the Bank strictly performs the main duties of the customer department's post-loan management, the use of funds, the implementation of restrictive clauses, the construction of the project and others. The relevant situation is carefully reviewed and processed. In accordance with the post-loan management plan developed by the account manager group, we will work hard to maintain the post-loan. II. Deployment and Outlook of XX Year Work Looking back at the work of XX years, although we have basically completed the work plan set at the beginning of the year and achieved certain results, the gaps and shortcomings in individual areas cannot be ignored. We will sum up experience. Make up for the shortcomings, work hard, and innovate. Therefore, next year's work focus will be on continuing to control costs, expand market marketing efforts, vigorously expand market marketing share, strengthen services, and improve credit management. 1. Strengthening cost control At present, from the quantitative analysis of the business operations of the Bank, we can see that the increase ratio of deposit balance and the increase ratio of profits are not completely consistent, the card issuance amount and bank card balance. It is also not proportional. Analysis of the reasons, mainly due to the increase in income, our cost control is still not enough. For example, in terms of the amount of bank card issuance, in the previous years, some branch offices simply pursued the number of cards issued regardless of quality and efficiency, and opened many empty cards and long-term fixed cards. This dormant card does not generate profits. The cost has increased, so our department will strictly control costs next year to ensure maximum profit. 2. Increasing market marketing efforts Market marketing is an eternal theme in the work of modern commercial banks. In view of this, in XX, our ministry will actively promote public relations, increase publicity efforts, and strive to make marketing work more detailed and bigger. . At the same time, it will continue to implement “1+n” bank card card consumption activities, where “1” refers to employee card consumption, “n” refers to employee development and mobilization of cardholders’ card consumption, that is, employee’s Card consumption drives consumption of the surrounding consumer groups, with a view to expanding the influence of bank cards and increasing intermediary business income and bank card deposits. In addition, our department will continue to supervise and guide all branches and savings offices to increase the marketing of deposits, strive to expand the life insurance agency business market, develop new target customers, and create greater benefits for the sub-branches. 3. Strengthening services In the increasingly fierce market competition, the advantages and disadvantages of services have a direct impact on the efficiency of enterprises. For example, the service of “Haier” has won more customers under the condition of equal quality. Under the existing soft and hard conditions, our bank's intensive service is an effective way to increase efficiency. 200 In the past five years, our ministry has been actively pursuing the improvement of service quality and improvement of service methods as an important part of daily work. The problems found in the regular and irregular supervision and inspection shall be corrected in a timely manner and dealt with seriously. In the middle of the staff to carry out the "if I am a customer" discussion, carry out empathy, make it think of the customer's thoughts, urgency of the customer's urgency, set aside the customer to solve problems. 4. Improving credit management The work of XX years makes us soberly aware that there are hidden gaps and shortcomings behind the achievements. Based on this, next year we will sum up experience, analyze the shortcomings, consolidate the existing achievements, strengthen our confidence, and then work hard to focus on the following tasks: further adjust the credit structure, strengthen credit risk management, and improve the quality of credit assets. To do this work well, we must achieve "three plus", that is, the adjustment of credit structure should be accelerated; the collection of non-performing loans should be strengthened; risk management should be strengthened. The “acceleration” of structural adjustment refers to the business development strategy of “grasping two heads and one guarantee, two competitions, three expansions, and four retirements” established by the provincial party committee, vigorously compressing the loan occupation of inferior customers, and striving to increase the proportion of loans to excellent customers. Actively expand, cultivate and consolidate a good customer base. We should be market-oriented, customer-oriented, and profit-oriented, update our business philosophy, actively seize the market share of consumer loans, accelerate the issuance of consumer loans, and improve the structure of credit assets. To “reinforce” the need to further Concentrate on the spirit, concentrate time, concentrate manpower, increase efforts, and maximize the revitalization of non-performing loans to alleviate the tightness of funds, thereby freeing up limited credit funds, supporting customers with products, operating profitable customers, and improving the efficiency of capital use; risk To "strengthen" management means to manage quality and efficiency, select new loans to surrender, strengthen post-loan management, and effectively optimize increments, strive to prevent and resolve credit asset risks, and improve the management of credit assets. On the basis of the optimization increment, on the basis of avoiding the increase before the clearing, we must continue to increase the efforts to collect and rectify the non-performing loans and recover the interest. It is necessary to strengthen the leadership to implement responsibilities, clarify the stage objectives, and persist in grasping the early and persistent efforts. It is necessary to combine various indicators and actual work, carry out precision calculations, implement horizontal decomposition of indicators into people, and implement longitudinal decomposition into enterprises. After the collection target is decomposed into loan officers, it is necessary to sign the “Responsibility for Non-performing Loan Collection” to clarify the specifics. Goals are then tied to individual wages and bonuses. Monthly assessment, cashed on a quarterly basis. In accordance with the requirements of responsibility and time, the work of collecting interest should be implemented, and the income should be collected and collected. It is necessary to adopt the goal of clearing the collection, responsible for the collection, the leader of the package to clear the collection, the law according to the law, and the emotional input method for the collection, due to the enterprise policy, a multi-strategy, multi-strategy, strive for early results, early benefits. Xx branch customer department
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