Reflections on the working experience of bank presidents 1
I came to work in _ _ county in February 2000, and the _ _ county branch of Postal Savings Bank was established in April 2000. I was appointed president of the branch. In the past eight months, as the team leader of _ _ county branch, how to conscientiously perform his duties, ensure that all the work of operation and management is in place, and strive to create a good internal and external environment to provide conditions for the sustained and rapid development of postal financial business in _ _ county? I always believe that as the "number one" of a sub-branch, I should be responsible to the superior, the enterprise, the team, myself and the 28 cadres and workers of the whole sub-branch. I can always unite the leading group, stabilize the internal environment, strengthen external communication, strengthen basic management, innovate business ideas and promote effective work with a good mental state and pragmatic work style.
Generally speaking, I start from the following aspects:
Coordinate the establishment of branches to ensure unity and stability.
First, put yourself in a correct position, communicate more when things go wrong, and report more to superiors to create a harmonious situation. 2. With the strong support of the superior leaders and the leaders of the county post office, China Postal Savings Bank _ _ County Sub-branch was established on April 8th, becoming the first county-level sub-branch in Hanzhong. The third is to successfully receive two first-class outlets and 28 employees, and strive to do a good job of unity and stability. Fourth, according to the requirements, set up three departments: comprehensive management department, comprehensive business department and accounting department, and openly select department managers to ensure the normal work of the sub-branch. Fifth, cooperate with the post office to carry out educational activities with the theme of "* * * seeking development * * * creating the future", organize colorful ideological education activities and labor competitions, ensure the sustained and stable development of various financial businesses led by postal savings in sub-branches, and continue to provide supporting services for the overall development of postal finance in _ _ county. Sixth, on the issue of principle, the insistence should be handled flexibly after reporting to the superior bank. 65438+At the end of February, the duty of the national treasury was smoothly handed over to the postal duty according to the documents.
Focus on business development and improve operational efficiency.
As the person in charge of the sub-branch and the leader of the postal finance business in _ _ _ county, I feel a lot of pressure. Facing the new environment and situation of postal system reform, the impact of Wenchuan earthquake on May 512, and the outbreak of financial crisis, I have always taken it as my responsibility to strengthen and expand the postal financial business in _ _ _ county, leading the cadres and employees to unswervingly grasp development, improve efficiency wholeheartedly, and pay attention to the general direction, pursue high efficiency and fly ability in business management. Through the unremitting efforts of all cadres and workers, the annual postal financial income was 1, 786,5438+0.30 million yuan, up 37.64% year-on-year, and the bank's own income was 5,936,400 yuan, accounting for 33.33%, with the scale and benefits increasing simultaneously.
Always adhere to the debt business and agency business as the "foundation of the bank"
On the basis of gradually reducing costs, the savings business has continuously accelerated the transformation of growth mode, continuously increased the investment in people, money and materials for key windows, key time periods, key customers and key projects, and paid close attention to scale development. First, the business departments are required to carry out colorful labor competition activities in combination with the characteristics of capital flow in different periods to mobilize the enthusiasm and urgency of people at all levels to develop savings business. Second, vigorously advocate the continuous development of collection and payment business, green card business and Chinese business alliance, realize the transaction scale of demand deposit funds, and gradually realize the adjustment objectives of deposit structure, customer structure and incremental structure. Third, actively implement the strategy of "in-depth training, multi-directional publicity and special service", and strive to promote the sales scale and efficiency of agency insurance and wealth management products to a new level. Fourth, we should pay attention to window service. In the case of more low-end users in the window, increase the number of service desks, strengthen the functional orientation of lobby managers, set up agricultural subsidy payment and agency business counters, guide window customers, and improve service efficiency, service ability and service quality. In the whole year, the balance of postal savings in _ _ _ county increased by 3160,000 yuan, and the balance at the end of the year reached12.58 million yuan, ranking second in the absolute series of net increase in the whole city, with a market share of 38 13% and a new market share of 72.66%, ranking first among all financial institutions in the county. Among them, the balance of bank self-operated outlets reached 388 million, accounting for 30.87%. The annual agency premium was 39.3634 million yuan, ranking second in the city, of which the agency premium of bank self-operated outlets was 5155,000 yuan, accounting for13.09%; In the whole year, the wealth management products were sold at12.945 million yuan, and the self-operated outlets of banks sold wealth management products at11578,000 yuan, accounting for 89.43%.
Always adhere to the company's business as a "source of wealth."
The characteristics of "low cost and high income" in the company's business show great potential for income increase. _ _ County is a big agricultural county, and few benign enterprises operate independently. The business field of the company has been dominated by five banks: Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Agricultural Development Bank and Credit Cooperatives. It is extremely difficult for the Postal Savings Bank to directly occupy a place. Therefore, our branch has targeted the institutions and financial funds that have established cooperative relations with postal services. The company's business mainly depends on relationship marketing. As the president, I take the lead in arranging full-time account managers to maintain the relationship with the Finance Bureau and other related units for a long time. In the special marketing campaign for the early transfer of funds for returning farmland to forests for transitional households, I personally led the business personnel to the Finance Bureau and the Agricultural Development Bank for many times to coordinate various relationships, and finally transferred all the funds from the Agriculture and Forestry Branch of the Finance Bureau to the bank, laying a solid foundation for the early transfer of special funds in 2009. The People's Bank of China is also very principled about the normal operation of our company's business, participating in the exchange in the same city, and approving special financial accounts. Finally, I gradually established a good relationship with the People's Bank of China through coordination and rationalization in all aspects. The company's business did not make a special contribution to the city branch at the end of the year, but I have accumulated some work experience through previous exploration and practice. I am confident and determined to make the company's business really become another power source for the income growth of county branches. By the end of 20__, 19 households had been opened, of which 16 households were valid, and 9 households had business, with a balance of 7.35 million yuan.
Strengthen risk control and improve service level.
Due to the continuous expansion of the new business market and the serious shortage of human resources, I have always insisted on establishing the risk awareness that all employees of the sub-branch are important responsible persons for risk prevention and control. Risk prevention and control is not only the inspection work, but also the business of sub-branches. Everyone from the president to the sales staff is required to strictly abide by various rules and regulations, first of all, control the risk of performing their duties, cooperate with each other and supervise each other. After the establishment of the bank, it is necessary to raise the on-site management such as the implementation of the three-level authority and the transfer of tickets to a new height, gradually shift from post-supervision to in-process control and pre-prevention, and explore a risk control system suitable for its own development and in line with the current situation.
With the increase of various agency projects, the window service pressure of postal financial business has increased sharply from 10. Due to the shortage of personnel, the service pressure of the sales department window is unprecedented. I insist on visiting the first-level outlets every day to check the status of window service, and ask the relevant managers to try their best to assist the business departments in maintaining self-service machines and organizing on-site operations on the premise of doing their jobs well. An "agricultural subsidy fund counter" was set up for rural low-end customers with a large number of business transactions, small amount and low cultural quality, which greatly changed the embarrassing situation of disorderly queue jumping at the window and slow speed, and laid a practical foundation for further opening up the green channel for vip users. Generally speaking, in the past two years, various wages and subsidies for farmers have been recognized by all walks of life.
Reflections on the working experience of bank presidents II.
I still remember when I left school, my teacher told me to be a dedicated person after I joined the work. I still remember that on the first day of my job, the leader taught me earnestly: I should be a dedicated person after I take up my job. With the teacher's entrustment and the expectation of the leader, I went to the front desk of the savings counter. I made up my mind to dedicate my ideals and love to this three-foot financial counter that concerns thousands of families, and send a warmth to customers with my full enthusiasm. In order to improve my business skills, I used my spare time and spare time to practice, and both counting money and abacus were upgraded to the first-class skill operation level, and I was rated as an excellent teller. Superb skills improve the speed of handling business, enhance accuracy, reduce the waiting time of customers, and win the trust and welcome of customers.
Because of his outstanding work performance, he was promoted and appointed as the head of the branch by the leaders of our bank in. In this post that combines risk, responsibility and pressure, in order to urge myself to enter the work role as soon as possible, I first ask myself to maintain and carry forward the work style of hard work in party member. In learning, we should constantly adapt to the needs of the development of the new situation, devote all our spare time to learning, so as to be good at learning, suffer from thinking, focus on action, and constantly improve our ability to perform our duties in practice; Secondly, we advocate "humanized" management and interpret the concept of service with "heart" at work. In terms of service, the concept of "customer-centered, attentive service and caring management" is put forward, and the working connotation of "no small matter in banking service, details are the key" is summarized from practice, which has played a guiding role in improving the service quality of sub-branches. In management, the humanistic management concept of "creating environment, cultivating ideas, inspiring morale and rallying people" is put forward, which has played a positive role in creating a positive and harmonious atmosphere and building a first-class staff.
On June+10, 5438, due to the need of work, the leader of the bank was transferred to the branch as the president of the branch. Among the branches of our bank, this branch is a traditional old branch, and its deposits and operating performance are among the best in our bank. "How to better manage the branch? How to go further? " Like a stone on my mind, with the care and help of the leaders, I quickly turned pressure into motivation and gradually integrated into the new working environment.
According to the working characteristics of sub-branches, advocating sub-branches is not based on how profound the service concept is and how complex the service connotation is, but on how to achieve the ultimate service based on long-term persistence. At work, employees are often warned by the formula 100- 1=0. In my opinion, if the customer is not satisfied once in the 100 service, the customer will be hurt and the service effect will be zero. Only when customers are satisfied can "repeat customers for the first time" become "repeat customers". Practice has proved that good service is valuable.
We make every effort to innovate the service model, subdivide customers into six categories, such as gold customers, general big customers, basic customers, potential customers, risky customers and scattered customers, and constantly supplement and improve the "customer files", laying a solid foundation for the implementation of differentiated and personalized services throughout the Bank, constantly innovating in high-end customer maintenance and marketing, and gradually exploring a set of our own methods. Reduce the number of customers by re-creating service processes and service models and setting up lobby managers. Carry out district services and set up self-service areas, cash business areas, non-cash business areas and personal financial management areas; Establish a rapid response mechanism for personal VIP customer information, realize the overall linkage between the front desk and the account manager ... realize the differentiation of service level and service products, and form a unique workflow and mode of the branch.
Reflections on the working experience of bank presidents 3
In 20 years, under the correct leadership of the bank, I strengthened my study, corrected my work attitude, worked hard in my post according to the bank's work requirements, sincerely served customers, successfully completed my work tasks and achieved certain results. The work in 20__ years is summarized as follows:
First, complete the task and get good grades.
In 20 years, as a front-line teller, I set my task as two aspects, one is to do a good job as a teller at the front desk, and the other is to actively sell bank wealth management products. In the work of the front desk teller, I am careful, legal and legal, and basically achieve zero violations and zero errors; In the sales of bank wealth management products, I actively promoted and tried to recommend them, and achieved good results.
Second, actively expand business and do a good job of new and old customers.
I always set up the concept of customer first in my work. While doing a good job as a front desk teller, don't forget to actively sell bank wealth management products and expand the space of bank wealth management products with customers as the center. In order to attract new and old customers to buy bank wealth management products, we are anxious about customers' needs, think about customers' thoughts, impress new customers with details, and protect old customers with true feelings, and achieved good results.
In the process of serving old customers, I carefully introduce relationship marketing, so that old customers can maintain enough confidence and goodwill in our services and products, consolidate their loyalty, encourage old customers to keep buying, and always keep the consistency of information coordination with banks, so as to achieve a win-win situation for both banks and customers.
I also use the relationship between old customers to introduce new customers, and take old customers as the chain to drive new customers, thus expanding the sales of bank wealth management products, so that I can not only complete the sales task of bank wealth management products, but also promote the improvement of bank economic benefits.
Third, establish a sense of service and sincerely serve customers.
In my daily work as a front-line teller, I keep the spirit of seeking truth from facts, seeking truth from facts and being pragmatic, perform my duties in good faith, treat customers honestly, provide caring services and enhance my appeal to customers. Put the true feelings into the words and deeds of customers, adhere to the people-oriented, customer-oriented, all for customers, smile seriously, understand and be more enthusiastic in the service process; Start with a smile, always give customers a bright smile, treat customers as friends in good faith, serve with heart, and solve problems for customers; Always adhere to customer-centric, adhere to the interests of customers as the first consideration, sincerely display our high-quality service image, realize sincere service and unlimited care, provide value-added services and care for different customers, and improve customer loyalty.
In 20__ years, according to the requirements of the bank, I will conscientiously do a good job as a front desk teller, actively sell bank wealth management products, complete the task, achieve good results, and obviously improve my service attitude and organizational discipline. On the basis of my achievements, I will continue to strengthen my study, improve my work skills and service level, work harder and harder, do my job well, create excellent work performance, and make my due efforts and contributions to the development of the bank.
Reflections on the working experience of bank presidents 4 pages
When the calendar was torn off page by page, leaving only the last page, a year passed unconsciously and quietly. This year, we drew the sky with a computer keyboard and pulled out 10,000 stars with abacus beads. We keep a happiness, a persistence and a harvest. Keep accounts, settle accounts, issue subpoenas, write account books and make statements every day; Although there are no outstanding achievements and earth-shattering undertakings, we are loyal to our duties. Over the past year, we have outlined the trajectory of life with this plain life and plain work, and gained the joy of harvest. In the past year, there was a lot of work worth summarizing:
I. Ideological and political aspects
Over the past year, I have persisted in studying various financial laws and regulations. Through continuous study, my ideological and theoretical accomplishment has been further improved, and I have firmly established my outlook on life and values of serving the people wholeheartedly. Diligence and professional ethics are the guarantee for the smooth development and ultimate success of every job. Over the past year, I have consciously practiced the purpose of serving agriculture, countryside and farmers in action, completed every task with enthusiasm, enthusiasm, earnest and meticulous, strictly abided by various financial laws and regulations and various rules and regulations of the unit, earnestly fulfilled the responsibilities of "three railways, three modernizations", consciously operated by the rules, and United comrades and condensed style in daily life.
Second, the main work
202 1, my job is mainly an ordinary teller. First of all, in terms of business knowledge and working ability, I can constantly learn and accumulate experience. Through my own efforts, I have a strong working ability and can calmly receive the consultation of depositors. In business skills, organization and management, comprehensive analysis ability, coordination ability, writing and language expression ability, etc. , has been greatly improved. In the work, according to the operation rules of the business, taking the customer demand as the center, the most convenient and feasible methods are applied to the business operation.
Secondly, in terms of work attitude and hard work. I love my job, can treat every task correctly and seriously, flexibly reflect the financial policies and spirit of the party and the country in my work, take the initiative in my work, actively participate in various business trainings organized by the unit, earnestly abide by the rules and regulations of the regional bank, ensure attendance and make effective use of working hours. I use strict rules and regulations to restrain myself and improve myself. By studying the internal control system, the management of all aspects of business has been further improved. With the division of labor within the bank becoming more and more detailed, the division of labor of our counter staff is becoming more and more detailed. In this year's work, I have made substantial learning and progress, and my business operation is more rigorous. Establish customer information; Open a personal settlement account; For large cash withdrawals, I strictly follow the requirements of my superiors and ask customers to provide relevant procedures and collect the required information; In the settlement, I strictly abide by the settlement system, so that "whoever puts money into his account, who controls it, the bank does not advance it"; In accounting, I adhere to the accounting system of "five without six in one" and earnestly perform the duties of a bookkeeper.
Secondly, in the quantity, quality, benefit and contribution of the work, the set tasks can be completed in time to achieve the expected results. In our daily work, we can complete the tasks assigned by the bank with good quality and quantity, and we can also complete the tasks assigned by the sales department with good quality and quantity. At the same time, I also learned a lot of knowledge and exercised myself at work. After a year of unremitting efforts, I have made great progress in my work and made due contributions to the development of the branch business department.
Three. Existing shortcomings and future plans
In one year's work, although there have been some progress and achievements, there are still some shortcomings in some aspects. For example, there are not many creative work ideas, and individual work is not perfect. You need to continue to learn more business knowledge and common sense of life to expand your knowledge. This needs to be improved in the future work, because now I have changed my job. Facing the new job and the increasingly updated business, only by continuous learning and improvement can I keep up with the development form.
Say goodbye to the old and welcome the new, and think about the present. Over the past year, all the work has been carried out solidly and effectively, laying a solid foundation for my future work. In the new year, I will seize the opportunity, advance with victory, strive to create a scene full of vitality and the flavor of the times, and promote all my work in by going up one flight of stairs.
Reflections on the working experience of bank presidents 5 pages
First of all, in terms of "morality"
Continue to study in depth, unite with the members of the leading group and the broad masses of cadres and workers, have a correct ideological style, have a solid work style, dare to adhere to principles, be concise and pragmatic, forge ahead, earnestly perform their duties, adhere to administration according to law, be responsible for coordinating work, vigorously support the work of the top leaders, and promote the smooth development of the three civilizations construction of sub-branches.
Second, in terms of "energy"
Familiar with and master the national financial policies and regulations, and can be implemented in combination with the actual situation; Better coordinate all aspects of the relationship, fully mobilize the enthusiasm of employees, and complete complex tasks; Strong writing ability, high writing level and strong oral expression ability; High level of cultural knowledge, strong level of professional theory, with the basic skills needed for their jobs; Be able to find problems through investigation, sum up experience and make suggestions, and have the ability to handle and solve problems independently; Rich work experience and wide knowledge.
Over the past year, he presided over the anti-money laundering work conference of financial institutions in the jurisdiction, the symposium on foreign exchange management and the analysis meeting on economic and financial operation, and coordinated the county government to hold the symposium on treasury work. The above-mentioned meeting studied the relevant financial principles and policies, conveyed the "one regulation and two policies", foreign exchange management policies, financial macro-control measures, account management, cash management and treasury management regulations to financial institutions and relevant departments within their jurisdiction, informed the relevant work, analyzed the existing problems, and put forward suggestions for improvement, which played a better guiding role as a window.
At the beginning of the year, I organized middle-level cadres of sub-branches to learn the "four methods" and take the exam. Through organizing study and examination, the level of financial laws and regulations and the ability of administration according to law of middle-level cadres have been improved.
According to the scope of responsibilities in charge of coordination and the requirements of the superior bank, over the past year, our department has organized the cash management inspection, the implementation inspection and implementation inspection of the Measures for the Administration of Credit Registration Consulting System, and the inspection section of the branch office of the coordination center has carried out the inspection of foreign exchange business of designated foreign exchange banks in the jurisdiction and the verification inspection of export proceeds of foreign trade companies in the jurisdiction. Through inspection, relevant problems were found and corrected in time, which promoted the legal and compliance management of financial institutions and foreign trade companies in the jurisdiction, and better coordinated the relations between relevant parties.
Third, in terms of "diligence"
I am enterprising, responsible, enterprising and devoted to my work; Serious work, positive attitude, firm attitude, courage to shoulder heavy burdens, dare to take responsibility, regardless of personal gains and losses; Diligence, earnestness and hard work; Never be late or leave early for no reason. Over the past year, I have basically no work leave, and I have been on duty and worked overtime more often on holidays. I insist on participating in overtime work in the business department at the end of each month, coordinating related work and reviewing related reports. Because of my busy work, I gave up many opportunities to be invited to participate in national academic exchanges and study abroad.
Fourth, in terms of "performance"
I have clear working ideas, planning, forward-looking and leading; Pioneering and enterprising, often putting forward reasonable suggestions and being adopted, completing heavy work tasks and other tasks assigned by leaders; Pay attention to working methods and have high efficiency; Can finish the work assigned by the leaders on time or ahead of schedule, with outstanding achievements and good results.
In terms of foreign exchange management, on the basis of investigation and study in the first half of the year, I analyzed the problems that there are many foreign trade companies in our county, the number of foreign exchange receipts has increased substantially, the export volume is large, the foreign exchange receipts are small, the write-off rate is low, and there are some potential risks. At the branch office meeting, I put forward the idea of strengthening the management of verification of export proceeds and preventing the risk of verification of export proceeds from the source, which was adopted by the office meeting.
Relevant regulations on the management of foreign exchange receipts and payments verification of foreign trade import and export enterprises have been formulated, and measures such as differentiated treatment, classified management and keeping pressure have been taken to strengthen the management of verification. Some foreign trade enterprises have organized a questionnaire survey on foreign exchange demand, formulated the Guiding Opinions on Further Supporting Foreign Trade Exports, and put forward six window guiding opinions for designated foreign exchange banks within their jurisdiction. In addition, it also organized an investigation on the operation of some private enterprises, analyzed the problems existing in their operation, and put forward some measures to strengthen the management of verification of export proceeds of private foreign trade enterprises. Thus, it has promoted the virtuous circle of foreign trade enterprises in our county in receiving orders, exporting, collecting foreign exchange and writing off.
Five, in terms of "cheap"
1. Strictly implement and maintain the Party's "Four Disciplines and Eight Requirements", consciously abide by the "Guidelines for Honest Politics", and consciously abide by the Party's discipline and remain unchanged. Enhance the awareness of accepting supervision, and take the initiative to accept the supervision of Party organizations, party member and the masses. Over the past year, I have strictly observed the party's political discipline, organizational discipline, economic work discipline and mass work discipline.
2. In the selection and appointment of cadres, conscientiously implement the relevant provisions of the "Regulations on the Selection and Appointment of Leading Cadres of the Party and Government" and the "Interim Measures for the Management of Senior Executives", adhere to the principles of openness, equality, competition and merit-based, promote the reform of the employment mechanism of sub-branches, and gradually move toward the track of rule of law.
3. Strictly implement various rules and regulations, and resolutely correct unhealthy practices in the industry. I set an example, be strict, adhere to the system of employing people and managing people, guide and educate employees to consciously implement various rules and regulations of the branch, and establish a good fashion of loving their families and jobs.
4. Keep close contact with the masses and strive to realize, safeguard and develop the fundamental interests of the masses. I firmly establish a correct view of power, status and interests, establish the idea of serving the people, take the satisfaction and dissatisfaction of the masses as the starting point and the foothold of my work, and strive to do practical things and do good things for the masses.
5 according to the provisions of the implementation of major personal reporting system, personal income declaration system. Generally speaking, in the past year, I have been in charge of and coordinated with many stock rooms, with a wide range of work, heavy tasks and great responsibilities. Because I correctly understood the work arrangement of my superiors, resolutely implemented the financial policies of the party and the state, strictly implemented the rules and regulations of the sub-branches, fulfilled the duties of administrative posts and professional and technical posts, exerted my leadership, management, organization and coordination abilities, fully mobilized the enthusiasm of the employees, and successfully completed the management and condominium work of the stock room throughout the year.
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