Working experience in bank assets 1
With the development of the times and the rapid development of the economy, the financial industry is playing an increasingly important role in the economic field, especially the banks known as the "financial blood" have become the "mainstay".
Through these days of training and study, I not only learned more professional financial knowledge and service etiquette, but also deeply realized the meticulous and rigorous banking work, which exists in the details of every product and service.
Let's simply take personal financial products as an example. Although financial products can only be divided into six categories according to product categories: savings, SME financing, investment, Jinsui card settlement and service products, we can see that although they are only six categories of products, they cover all the functions of financial savings, settlement, investment and SME financing required by natural persons and corporate enterprises. And this is only from the big category, and then subdivided, and each big category of products is divided into many specific small categories of business. Every enterprise has its own characteristics. For example, in personal savings products, in order to make customers get more tangible benefits, the products are divided into current P-term P fixed deposit, fixed deposit, two-way P lump-sum deposit and personal notice deposit, which greatly meet the needs and choices of customers in terms of deposit term and interest income. In addition, ABC's unique "Shuanglifeng" notice deposit has the advantages of ordinary notice deposit, which increases the speed and convenience of business handling. In terms of handling fees, we have specially set up diamond cards and platinum cards for our customers to minimize unnecessary expenses. It can be said that ABC cares about its customers in every possible way. With the purpose of serving customers wholeheartedly, we pay more attention to the improvement of business quality and the details in place.
Agricultural Bank of China's products condense the hearts of every employee to customers in terms of convenient income and quality! When customers touch products, the first contact is the front desk staff. The front desk staff is the bridge between customers and products, the door for customers to understand the overall thinking of ABC employees, and the main way to build trust in ABC. Therefore, the service of the front desk staff should not only reflect the rigorous attitude of ABC people, but also reflect the advantages of various businesses. Through the thoughtful service of each front desk staff, customers can build trust in ABC. This is also the foundation of every post, and at the same time, the front desk teller should also study hard professional knowledge and strive to provide customers with more detailed and high-quality services.
Therefore, personal financial products and teller services are complementary and prerequisite to each other. Products should be of high quality and services should be meticulous and thoughtful, so that customers can truly feel the enthusiasm and intentions of all employees of ABC. Finally, I sincerely hope that each of us can cherish our present job, study professional knowledge hard and become a bridge of trust and care between customers and banks!
Working experience in bank assets II
It has been a week since I joined the bank. As an intern graduate who just came out of college, I have many feelings not only about the society, but also about my first job.
In fact, before I joined the job, I thought that as long as I entered the bank, I could have a stable job, and many people called it an iron rice bowl, so I didn't have to worry about my future life. But I didn't know until I joined the company that it was so difficult to work within the system. Although I work in a bank, I can enjoy the air-conditioned environment all year round and get back a lot of oil and rice every month. I just need to sit in front of the computer and work for a few hours every day. But these are superficial phenomena that everyone sees. In fact, while enjoying these, we are also silently enduring some bitterness and grievances. For example, customers' grumpy accusations, unreasonable demands from customers, and the performance pressure of this position. These and so on all need us to bear silently in this position.
Maybe I just came out of school and think the world is still beautiful. People in this world are angels sent by heaven. So I also think that those customers who come to the bank to handle business can understand and support our work. But I've only been working in _ _ bank for a week, and I've been accused and abused by customers for more than ten times, and nine times out of ten, it's because they waited in line for a long time and couldn't wait to take it out on our service staff, which made me a little unbearable. I have always been a little princess at home. My family didn't say they were obedient to me, but at least they didn't hit me or scold me. Where have they suffered such treatment? So this week is a difficult week for me. I remember being scolded for the first time, refuting the client on the spot and quarreling with him in the hall. The next morning, I received his complaint against me, and not only that, I also received criticism from the _ _ leader. Only then did I feel helpless as a bank attendant and what I had to learn and bear.
Later, when this happened again, I left them alone. Just do your job. Although after work, I will still hide somewhere and cry quietly. But I am also slowly learning to adjust my emotions, slowly learning to adapt to the work within the system, and slowly learning how to be myself better in the position of teller.
Working experience in bank assets 3
When we talk about youth, we will think of words such as vigor and vitality. Yes, at any time, young people are regarded as the most energetic, creative and vital group in society. As a young employee of Heze Agricultural Bank, how to fully display the spiritual outlook of young employees, enhance the overall image of Agricultural Bank and play an exemplary role in the post. Here, I want to talk about my familiarity in a simple way.
First, constantly strengthen learning and improve their own quality.
With the development of the times, the banking industry has changed from the most stable industry to the most rapidly changing and challenging industry. For bankers, learning is more important and urgent than ever. Nowadays, the competition in China's financial industry is increasingly fierce, financial products are constantly innovating, and business varieties are increasingly rich, especially with the introduction of electronic products such as online banking, telephone banking and mobile banking. Only by learning the basic characteristics of these products and applying them can they be marketed to other customers. This is not only a matter of simply learning some operating procedures, but also a matter of knowing some knowledge about microcomputer operation. All these require us to constantly strengthen our study and consciously overcome the one-sided understanding that mastering certain accounting operation skills is qualified talents.
Only by studying and broadening our horizons can we keep up with the needs of business development. Our young employees are active in thinking, quick to accept new things and have strong understanding ability. To strengthen their study, we should not only strengthen professional theoretical study and related business technology study to improve their business skills, but also strengthen the study of laws and financial rules and regulations in a targeted manner, so that our business can develop rapidly under the premise of limiting risks. In cooperation with colleagues, we not only do our job well, but also help other colleagues to do their job well together, especially in business communication, actively introduce good methods in our work to colleagues, carefully help comrades who are not very skilled in business to improve their operational skills, help them improve their business level and improve our overall service quality.
Our young employees should not only learn by themselves, but also drive other comrades to learn together, form a good learning atmosphere, constantly improve their own quality, become the backbone of obeying the system and being proficient in business, and become the technical talents that the leaders trust comrades to convince.
The second is based on the post and selfless dedication.
Love and dedication are the most basic professional ethics that each of us should have, but as young people, they are sometimes too ambitious and always complain about how trivial their work is, which is far from their lofty ideals. In fact, all major events in the world are made up of small things, and nothing can make a difference. As long as this understanding is clear, we must start from bit by bit in our work, and we are not afraid.
When you encounter difficulties in your work, don't be discouraged and don't shirk. You should consult old comrades with an open mind and actively seek solutions to problems. After the problem is solved, we should sum up our experience in time, improve our working methods and avoid repeating the same mistakes. As young people, we have more energy to devote to our work and stronger ability to accept new business. We should give full play to our own advantages and explain new business and skills to other comrades, so that everyone can master them as soon as possible and promote faster business development.
Third, establish the idea of "promoting my honor and restraining my shame", forge ahead and constantly innovate the current situation.
China Construction Bank and China Bank have successfully listed, and Industrial and Commercial Bank of China is actively preparing for listing. In this context, the topic of the reform of Agricultural Bank of China has been widely concerned. Although people's concerns are reasonable, some inaccurate reports have also added some unnecessary pressure to the reform of ABC, which has affected the brand image of ABC.
Although ABC has a heavy historical burden, a high proportion of non-performing assets and many institutional outlets, the reform is more complicated and difficult than the other three state-owned commercial banks. As young employees of ABC, we should strengthen our confidence in reform, firmly establish the idea of "promoting my career, promoting my career and humiliating my career", shape the good image of ABC with our good words and deeds, and build its first-class brand. For the healthy and strong development of ABC, our young employees should forge ahead and innovate constantly. As an ordinary employee in the front office, we should not only serve our customers well, but also deeply understand their needs and what products they need, and then feed this information back to the back office science and technology department, so that they can develop new products and integrate existing products, improve the richness and convenience of product functions, and thus improve the comprehensive competitiveness of the whole bank. As a young manager, we should organize and coordinate the existing labor resources, realize industrialization and high efficiency, and make suggestions for leaders.
In recent years, there are very few college students assigned by Heze Agricultural Bank, and even fewer are assigned to county banks. In this case, our existing young employees should play a good role in their posts, drive the employees of the whole bank to establish a positive atmosphere, establish a first-class brand image of Agricultural Bank, and make contributions to the healthy and powerful development of Agricultural Bank!
Experience in handling bank assets 4
At the beginning of my work, I felt a sense of loss and frustration, because I was vague about banking work, didn't make full psychological preparation, and didn't complete the transformation from a student to a teller protagonist. I gradually lost my vitality at work, but watching my colleagues around me work hard every day, serving every customer sincerely and efficiently, and thinking that they have all worked in the same position for so many years, they can still persist in this vitality, which makes me understand that simple things can be repeated.
Every post has development potential and opportunities to increase knowledge, and the decisive factors are self-attitude and dedication to work. With the help of leaders and colleagues, I have been able to handle all kinds of business independently for customers, have a deeper understanding of all kinds of products, and gradually sum up the marketing highlights of all kinds of products, so as to consciously strengthen the marketing efforts for customers and achieve the necessary results.
During this year, with the care of the leaders and the help of my colleagues, I received post training for lobby managers, corporate tellers and private tellers, participated in more than 60 trainings in various lines, * * * received more than 65,438+0,000 customer inquiries, handled more than 65,438+0,000 corporate-private businesses, and actively sold insurance, online banking and tripartite services to customers. In the process of marketing, I have deepened my understanding of various bank products, strengthened my organizational and communication skills, and understood the importance of banking service skills.
One year's work experience is also a process of mentality adjustment and protagonist change. As the saying goes, attitude determines everything. Correct attitude and good mentality are the basis and premise of completing all work efficiently. The adjustment of mentality has made me more fully aware of my work consciously. There is no trivial matter in bank work, and any mistake in detail may lead to a big mistake. We must concentrate on every business and serve every customer sincerely. Only by establishing a correct working attitude and good mentality can we successfully complete various business indicators. Next, I will summarize my work experience in the coming year from the following five aspects:
1. Grateful heart
Gratitude makes us good at discovering the advantages and strengths of others. As the saying goes, "everyone in the world can use it." At the same time, gratitude also makes us more willing to encourage and praise others from the heart and make others feel needed and important. As a service-oriented enterprise, bank customers are the lifeline of the enterprise. Only by being grateful to customers can we gain more trust from customers.
2. The system makes us do something and make us great.
The system includes unified standards and guidelines for work, telling employees what is right and what is the direction, thus providing guidance for work and making work more efficient. Especially in our financial industry, the system is more important than Taishan, and compliance is the operation of banks. High-voltage lines and good systems are not only the guarantee for the safety of customers' funds, but also the cornerstone for customers to create value. Understanding and mastering the system will make employees more free, confident and creative.
3. Details determine success or failure
Great events in the world should be done in details, and all work is made up of subtle parts. Only by doing every detail well can the whole work be completed efficiently and accurately. Banking, a special industry, requires higher requirements in every detail. The account number, amount and bill must be absolutely correct. The identification of the customer's identity must be strictly checked by the Internet and checked by the anti-money laundering system. Polite language and service norms must be strictly implemented with high standards. Only when these details are done will customers choose us.
4. Get ready for action.
Some people say that preparation is very important, but action before preparation is equally important. Before preparation, we should collect market information, learn new business knowledge, distinguish customers, and communicate with stakeholders to lay a solid foundation for formulating a reasonable marketing plan. Only in this way can we save the cost to the maximum extent and complete all the work efficiently.
Step 5 be absorbed
Empathy is the basis for us to establish empathy. In the contact with colleagues, empathy can not only make colleagues live in harmony, but also make everyone work closely together to complete various tasks. In the contact with customers, it is easier to find the contact point of interests, which can not only complete the marketing of various products, but also greatly improve customer loyalty.
After half a year's work and study, I strengthened my faith, improved my skills and found the combination of my dream and work. If the municipal party committee approves me to become a full member, I will continue to study books, and more importantly, sociology. In the future work, I will consciously strengthen the study of theory and business knowledge, learn from my colleagues around me, further improve my business knowledge, especially my business knowledge, and comprehensively improve my comprehensive business knowledge. With the guidance and help of leaders and colleagues, we should give full play to our strengths, make up for our shortcomings, improve our ability to perform our duties, and strictly demand ourselves to be a comprehensive bank employee. I will be strict with myself in the pursuit of Excellence, work hard and make continuous progress, and contribute to the development of _ _ _!
Experience in handling bank assets 5
The first half of 20 years has passed. Looking back on my overall work this year, with the help of leaders and colleagues, I always strictly demand myself to learn professional knowledge, improve professional skills and improve service quality, work conscientiously and responsibly, have more and more experience, and have more and more confidence to provide satisfactory services to customers. For more than a year, in the big family of the bank, I gradually moved from ignorance to maturity.
First, work hard and be dedicated.
When undertaking savings work, adhere to the end of business day by day to ensure that the accounts are consistent with the facts and the accounts are consistent. Be able to seriously handle the exchange business of RMB banknotes and damaged coins, so as to be punctual, neat, clean, firmly tied and clearly stamped on the hour. Serve customers with Putonghua and Sansheng, solve customer problems seriously, make a wonderful response to the rudeness of individual customers, do not hurt the gas, face the praise of customers, be modest and cautious, and be neither arrogant nor impetuous. After continuous hard study and constant tempering in practical work, I have mastered relevant business and rules and regulations and gradually become a business expert. With the development of business, the business of the window is climbing, and I am constantly summing up my experience and making progress. The monthly business volume is close to 100 and the daily average business volume is close to 100. This forced me to constantly remind myself to be serious and serious again, and to handle all the business in strict accordance with the rules and regulations formulated by the bank without fault for several months in a row.
Second, teamwork, * * * and progress.
What the banking industry needs is collective cooperation, and the strength of one person is limited. Therefore, we should not only be satisfied with doing our own work well, but also help each other with our colleagues. Exchange experiences with colleagues, learn from them, and tell them your experiences without reservation. Only when the overall quality is improved can the business level of the sub-branch be upgraded.
Third, strengthen business study and improve their comprehensive quality.
I took an active part in various exams related to the financial industry. Expand business knowledge and learn to master the accounting counter business during the break. With the help of my colleagues, I learned a lot. It's really a "threesome, there must be my teacher."
Although I have made progress in all aspects, I still have shortcomings. For example, although counting money will reach the standard, I still need to continue to work hard and make continuous progress.
To sum up, in this half year's work, I strictly abide by the rules and regulations of the bank, strictly demand myself, serve customers enthusiastically, care for and be friendly to my colleagues, cooperate sincerely and explain to the leaders seriously. While constantly improving my work skills, I actively study the theoretical knowledge of the financial industry, take relevant exams and enrich myself. Thanks to the care and help of leaders and colleagues for half a year, I will make persistent efforts to grow with the bank in the second half of the year.
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