Summary of bank work 1 I have spent two spring and autumn years in China Merchants Bank in a blink of an eye. Although I am an ordinary security guard, in my mind, the branch is my home, the leaders are my parents, the employees in the industry are my brothers and sisters, and the things in the industry are my own business. I will carefully protect my home and let it thrive in a safe environment. I understand that as a family member, a security guard has a great responsibility to "protect China Merchants Bank and protect my home".
Bank security is a special and dangerous job, but I am not timid or afraid. Chiwabo, president of Carnegie Steel, once said, "We don't work for the boss, not just to make money. I am working hard for my dream and bright future. We can only improve ourselves in performance. " Therefore, we must uphold a serious work attitude, do a good job in daily seemingly dull work, and do it well if you want. Resolutely complete every task assigned by the superior leaders, so that the leaders can rest assured. With the continuous development of China Merchants Bank's security work, I often wonder: how to do a better job in security prevention and how to improve the quality and working ability of our police officers! Summarized as follows
A, based on their own work, handle every task.
Since I came to Fengqi Sub-branch of China Merchants Bank in, I have been mainly responsible for the duty security tasks and daily sorting and escort work of business halls and self-service banks. I remember when I first arrived at China Merchants Bank, I was familiar with my work in order to get into the role quickly. I use all possible time to learn the rules and regulations of China Merchants Bank's safety work. If I don't understand anything, I will immediately ask the monitor and old comrades. When you see a customer on duty in the lobby of a branch, listen carefully, then write it down silently, and ask the lobby manager in time if you don't understand anything. In order to improve my work ability and service level, I learned to be reliable, diligent, pragmatic and serious in every job, so I soon became familiar with my work skills. Won the praise of many customers. I remember the first time I was praised by customers when I was on duty in the lobby of a branch. There were many customers at that time. Seeing a 30-year-old customer looking around, I took the initiative to ask, "Hello, sir, what business do you need?" The customer replied, "I have some money to remit to a friend in Shenzhen. Do I need to fill out any forms? " I said, "Yes, is the amount you want to remit large?" The customer said "more than 300,000 yuan" and I said "the handling fee may be higher. About 65,438+0,000 yuan, "the customer said in surprise. "Isn't 50 yuan enough before?" So I patiently explained to the customer: "Sorry, our system has just been upgraded, and the remittance method has changed. Before the transfer and remittance, the account will arrive the next day, and the business has been cancelled after the system upgrade.
Then I introduced the professional version of online banking to the customer, and then told him that the handling fee for online remittance was only 0. 2% 50 yuan capped! When the customer learned about online card transfer, he immediately filled out the card opening application form and online professional version, which reduced the waiting time of the customer and quickly handled the business with my help. When he left, the customer came to the lobby manager and said with a smile, "Your security service attitude is very good. I didn't expect your security guards to know so much about business. I am very satisfied. " Then I went to the client's suggestion book and wrote: "The security service attitude is very good and the service is more professional. Please ask the leaders to like it. " Although it is only two lines, it is the greatest affirmation of my work!
Second, study hard and strengthen your own quality.
Whatever you do, do your best, because it can determine the success of one's career. I know very well that as a bank policeman, there are many opportunities to get in touch with cash at ordinary times, so personal comprehensive quality must be very high, otherwise it is easy to have problems. Only by constantly strengthening my comprehensive quality and professional skills can I improve my overall work level and combat effectiveness. At the end of the year, the bank security guard summed up a sentence: "It's hard to strike while the iron is hot". How to satisfy customers with a little knowledge? Therefore, I have participated in many trainings on various political theories, professional skills, laws and regulations organized by security companies, financial systems and China Merchants Bank, and participated in activities such as civic morality, regulations on administrative penalties for public security, and fire prevention laws. When organizing learning in the class, the monitor also asked us to help each other communicate and exchange learning experience, select excellent articles from time to time, and exchange views in combination with reality. It has formed a good atmosphere of "comparing, learning, catching up, helping and surpassing", which not only improved my ideological and moral quality and political and theoretical accomplishment, but also subtly changed everyone's way of thinking in dealing with problems and enhanced our friendship, which can be described as killing two birds with one stone.
While participating in ideological and moral education, I also actively participate in physical training, including queue training, grasping, 30-minute push-ups, dumbbells and other physical exercises, and also participate in mountain climbing and other sports during rest. Adhere to the expected goals and complete the training plan with good quality and quantity. At first, I was complaining and tired. But I understand that as a bank policeman, only by practicing excellent business skills and strong physique can we better play its role as an auxiliary police. Without daily hard training, how can you play your role at a critical moment?
Summary of Bank Work 2 Unconsciously, 20xx years passed quickly in the busy work. Looking back on my work and achievements in this year, as an old employee of xx Branch of xxx Bank, I have always strictly abided by the bank's discipline and requirements, and adhered to the working principle of smiling at customers and actively serving. This made me get a lot of praise in one year's work.
Since the beginning of this year, the work of xx Branch has made great achievements. As an "old man" in xx Branch, I also strive for a good result in my work through my active efforts. Moreover, in the past year, in addition to actively improving myself, I also helped the leaders to educate and manage new people and teach our future pillars of xx Branch how to complete the current tasks. The following is a summary of my work this year:
First, strengthen self-thinking and improve service attitude.
As a teller in the business window of the bank lobby, we are the second employee facing customers after the lobby manager. If you are an old customer, you are more likely to come directly to the counter. Therefore, I must always maintain my service status at work, so that I can enter a positive service status at any time when I can work.
In this year's work, I first focused on strengthening my service concept, ensuring that I can be prepared at any time in my work, always preparing my own work ideas, and facing every customer with the most positive thoughts and mentality.
Moreover, in terms of service etiquette, in addition to some training and strengthening arranged by the leaders, I also exercised my service etiquette and ability to speak Mandarin through online courses and materials. Make sure that you can do a good job of serving every customer with proper manners and clear words.
Second, meet new people.
As an old employee of xx Bank, I can't help but give some help and guidance to those employees who are confused at work. Yes, it's right across from me, intern xx. Whenever he encounters problems at work, I will give her some reminders and give her some suggestions on how to deal with these situations after work. Moreover, I specially gave some training and teaching to some newcomers in my spare time, which improved everyone's working ability.
Three. Shortcomings and reflections
After a year's harvest, I can't forget the embarrassing things I committed at work. Once, an old man came to the bank to do business with authentic xx words. I couldn't understand the old man's words for a moment, which made my work very embarrassing. Fortunately, the lobby manager xxx noticed the problem in time and came to guide the customers. In fact, I am not proficient in dialects, but I am not proficient, which leads to such problems in my work. To this end, I finally made up my mind to learn this dialect well, so that when I face old customers, I can properly handle my business.
Now, 20xx years have passed, and my work has ended smoothly, but in the future, I will be more strict, work harder, and complete my work goals with more positive enthusiasm!
3 Summary of Banking Work in 20xx Under the correct leadership of the Party Committee of the branch, the Bank conscientiously implemented the spirit of the provincial branch directors' meeting, closely focused on the benefit center, strengthened operation and management, highlighted asset quality, accelerated business innovation, vigorously organized deposit marketing, continued to fight hard on non-performing loans, paid close attention to interest collection, further strengthened internal management, and constantly expanded new business. Through the unremitting efforts of the staff of the whole bank, all the work objectives and tasks assigned by the branch were successfully completed. At the end of the year, the balance of various deposits of the Bank was 343 1.5 million yuan, an increase of 9 1.33 million yuan compared with the beginning of the year. Among them, the balance of savings deposits reached183.75 million yuan, a net increase of14.75 million yuan over the beginning of the year; The average net increase in five days was 6.5438+0603 million yuan, which was 654.38+034% and 243% of the tasks assigned at the beginning of the year respectively. 1065438+ 0.4% of additional tasks at the end of the year; The company's deposit balance reached156.8 million yuan, a net increase of 73.98 million yuan compared with the beginning of the year; In five days, the average net increase was 4 1.8 million yuan, completing 370% and 349% of the tasks assigned at the beginning of the year respectively. Complete 100.2% extra time task at the end of the year; The balance of interbank deposits reached 2.6 million yuan, completing 520% of the tasks assigned by the branch at the beginning of the year; The balance of various loans was 543.29 million yuan, a net increase of 229.88 million yuan compared with the beginning of the year. Among them, the balance of non-performing loans was 5301.9 million yuan, a decrease of1.795 million yuan compared with the beginning of the year (one-to-two dull caliber, the five-level classification diameter decreased by 9.04 million yuan compared with the beginning of the year), and the accumulated collection of non-performing loans was 1.279 million yuan, of which 900 million yuan was converted. The accumulated discounted amount is112.32 million yuan, and the discounted income is1320,000 yuan, accounting for 6.9% of the total interest income. Intermediate business income 1.6 million yuan, interest income 1.9 1.4 million yuan, accounting for 1.34% and 1.07% of the annual tasks respectively. Book profit14.46 million yuan, 692 new peony cards and 985 registered telephone banks. The work of the past year is summarized as follows:
First, take multiple measures and take multiple measures to fight the tough battle of clearing and turning non-performing loans.
1, formulate measures to increase rewards and punishments.
According to the annual reward and punishment measures for collection, revitalization and transformation of NPLs issued by the branch at the beginning of the year, combined with the actual situation of the Bank, the detailed rules for the assessment of collection, transformation, revitalization and operating expenses of 20xx NPLs of xx Branch were formulated. In the process of formulating the detailed rules, the Bank adheres to the principles of "one guiding ideology", "two links" and "three incentives". A guiding ideology is to combine the collection, revitalization, transformation and responsibility of non-performing loans, increase internal motivation and external vitality, form a joint force, and resolutely complete the task of disposing of non-performing loans. The two hooks are: (1) liquidation completion and incentive fee; (2) The absolute amount of full-caliber non-performing loans is linked to the special reward, and there are three reward methods: (1) Calculate the reward method actually completed in the current quarter according to the unified expense rate; (2) Reward measures for overfulfilling tasks according to a certain proportion of branch expenses; (3) Give special rewards to those who have contributed to the collection and transformation.
2, find out the base, door to door to determine the collection and transformation measures.
In the first quarter, the Bank organized credit officers to conduct door-to-door investigations to find out all enterprises with loans of concern, sub-category, suspicious category, loss category and "double retention". On the basis of mastering a large number of "first-hand" materials, all non-performing loans are classified and queued door by door, and divided into 8 types. That is, borrowing the new and returning the old, door-to-door collection, withholding guarantee, low-interest loans with materials, restructuring and transformation, interest-free repayment of principal, legal collection of loans, and write-off of bad debts. Then, classify and decompose tasks, implement responsible persons, and strictly inspect and supervise.
3. Lock the target and implement key breakthroughs.
In view of the current situation of non-performing loans of our bank, we have taken a total of 16 enterprises, such as door-to-door collection, loan repayment, interest-free repayment and write-off of bad debts, as the key targets of this year's collection and transformation, and made breakthroughs in many aspects. Through the three-level linkage and coordination of provinces, branches and sub-branches, the sluggish loan of XX Power Generation Company was collected 8 million yuan; Taking advantage of the reorganization of the power sector, the diversified electric power companies in XX county have a sluggish loan of 365,438+0,000 yuan; Borrowing the new and returning the old to XX Jingyu Company and XX Power Generation Company to collect overdue and sluggish loans of more than 654.38+0 million yuan; Take a door-to-door collection of 230,000 yuan of sluggish loans from XX county cinemas, people's shopping malls, forestry bureaus, Wuyi coal mines and other enterprises; Through the recovery from the government, the overdue loan of 6.5438+0 million yuan from the Coal Corporation was recovered, and the low-interest loan was implemented for Hengli Food Factory in XX County.
1.28 million yuan; Repay the interest of XX county farm tool factory 1 1 000 yuan.
The second is to build quality business, build brand image, and constantly accelerate the development of personal financial business:
1. Take active and effective measures to seize market share and achieve a "good start" for deposits in the first quarter.
1 month 1 day, the target time of savings deposit in the first quarter is100000 yuan, with an average of 6 million yuan in five days, and the task of collecting deposits per unit area of employees is100000 yuan. The Bank issued Ideas and Measures for Retail Business in the First Quarter of 20xx, Assessment Methods for Savings Deposits in the First Quarter of 20xx, and Incentive Measures for Storage in the First Quarter of 20xx. In February, the Detailed Rules for the Assessment of Savings Deposit Expenses of XX Sub-branch in 20xx was issued, which was detailed to outlets and employees, and employees were organized to seriously study methods and measures, so that everyone knew fairly well, the tasks were clear, and the assessment methods were clear. During the period of June 5438+October-March, five employees each withdrew more than 2 million yuan, and the bank balance at the end of the quarter reached 8.4 million yuan. Savings deposits increased by15.2 million yuan compared with the beginning of the year, accounting for 1-9 months, ranking in the leading position.
2. In order to dig other big behavior breakthroughs, aim at high-quality customers, do a good job in agency business, and play a supporting role in stabilizing and increasing deposits.
From June+10 in 5438, through the information provided by employees' relatives, the workers in the cement plant were transferred from CCB, with a subsidy of 2 million yuan; In April and May, the Postal Savings Office and the Agricultural Bank of China transferred 6 large households with a million yuan or more, with a new deposit of 9.5 million yuan; In May, the sub-branch savings office successfully settled the freight and coal payment of individual households in Yinta Coal Sales Station of Shanxi Province, with a monthly cash settlement of 20xx million yuan and a cumulative settlement amount of 200 million yuan. At the end of the year, demand deposits were more than 8 million yuan, and time deposits were 565.438 billion yuan+. In June, the president personally dispatched to recover the nitrogenous fertilizer plant and return the 2.99 million yuan raised by employees. 65438+At the beginning of February, all the fund-raising funds of Qianshipan Power Plant of 4.9 million yuan were returned to the villagers with the deposit certificate of the branch, and the deposit was nearly 2 million yuan. Through emotional contact, two customers in Shanxi were transferred to the first and second offices respectively.
Summary of Banking Work 4 Time flies, the brilliant 20xx has passed us by, and the beautiful 20xx is quietly coming to us. Looking back on 20xx, we have bitterness and pain, but more happiness. As the person in charge of computer equipment in the sub-branch, I now report the scientific and technological work in the past year as follows:
1. The maintenance and repair of computer equipment in the whole bank progressed steadily.
Because our computer equipment is relatively old, and the higher authorities are slow to issue updated equipment, our computer equipment is maintained and repaired frequently. There are 5 to 10 times of computer maintenance work every month, and more than 80 times of maintenance work have been done throughout the year, and many parts need to be replaced. In view of the fact that the branch company is short of funds, I try to replace all the old equipment that can be removed. For the equipment that is really not available or can't be replaced due to the model, I suggest that the branch company buy it. This will save a lot of money for the branch company throughout the year.
2. Self-service equipment runs normally throughout the year, and the operating rate is steadily moving forward.
With the deepening of the "Daikin" business of the Head Office, the normal operation rate of self-service equipment has been further improved in the assessment at the branch level. In order to implement the relevant spirit of the Head Office's self-service equipment, at the same time, reduce the pressure on the front desk business and increase the intermediary business income brought by self-service equipment, we strive to achieve "three ones" in the process of self-service equipment fault handling, that is, to find problems at the first time, reflect problems at the first time and solve problems at the first time.
Three. Outstanding achievements in anti-virus work
Anti-virus work has always been a key point in the assessment of superior banks, and the leaders in charge of science and technology of branches also attach great importance to it. With the active cooperation of various departments, this work has achieved satisfactory results. There was no major virus accident in the whole year, informed criticism was not affected by the superior bank, and the anti-virus assessment of the whole bank was not deducted, which was commended by the superior department. In the coming year, I will continue to maintain the good practice of the previous year in this regard and strive to maintain the good development trend of anti-virus work.
Four. The upgrade of the information system is progressing steadily.
According to statistics, the bank's information system was upgraded more than 30 times throughout the year.
Verb (short for verb). UPS and network
According to the actual situation of our bank, our bank implements the system of discharging UPS once or twice a month, so as to ensure that UPS can provide as much power support as possible in the case of power failure, and realize the guiding ideology of "power failure, counter business cannot stop" of the superior bank.
In terms of network communication, once communication failure is found, we should actively contact the superior bank, analyze the failure by using our own relevant knowledge, find out the problem, and notify the relevant parties as soon as possible while eliminating the causes of non-ICBC equipment failure, so as to restore network communication in the shortest time. Ensure the smooth development of related business of the sub-branch.
Agency business and technical support of intransitive verb enterprise network
As branch technicians, in addition to ensuring the safe and stable operation of bank computers and related equipment, they are also responsible for the on-site installation, debugging and training of bank agency business systems and corporate online banking. More than 40 door-to-door services were provided throughout the year, which provided strong technical support for the smooth promotion and application of our agency business and online banking.
It is true that in the past year, scientific and technological work has indeed achieved good results, but at the same time, many shortcomings have been exposed. In the next year, I will continue to carry forward the good aspects of the previous year, and at the same time, I will try my best to learn from my brothers and learn from some good experiences and methods, so as to make a great progress in science and technology and provide better and better technical support and guarantee for the all-round development of our business.