Start with standardizing service standards, implement standardized service import, and standardize civilized service behavior. Establish morning meeting and welcoming system, standardize service posture and language, strengthen the management of lobby manager, and further improve service efficiency.
2. Breakthrough in deposit growth.
1. Plan early, act early and arrange early. Through the service mode of entering the street, building and market, we will strengthen publicity among merchants, streets, markets and residents and fully tap residents' savings deposits.
2. Launch a deposit contest. Seize the opportunity of visiting relatives and friends during the festival, take the initiative, give full play to the role of one-person bank, strengthen social network and expand storage scope through your relatives and friends, and strive to increase the number of customers and savings deposits. At the same time, increase the marketization of wage payment in enterprises and institutions.
3. Raise the interest rates of three kinds of deposits. Adhere to the customer-centered service concept, so as to achieve: go out, welcome in, stay, and have a snowball-like chain reaction. Strengthen marketing efforts, walk out of the counter, walk out of the club door, walk into customers, and improve the account opening rate of customers in credit cooperatives; Strengthen quality service, expand customer base and improve the return on capital to society; Strengthen counter service, improve office speed and improve capital retention rate.
Third, go all out to eliminate the poor harvest.
With the help of the favorable situation of building a credit Shanxi and optimizing the financial ecological environment, we will intensify the collection of loans according to law, especially by means of mortgage and guarantee; Innovative collection methods. Strictly regulate the ledger management of non-performing loans, achieve one policy for each household, and formulate a feasible collection plan.
The basic idea of the Bank's 20-year annual work plan (Part II) is to closely focus on the central work of the Bank, take "serving the overall situation and serving the youth" as the purpose, strengthen the self-construction of the Communist Youth League, guide the youth league members to make contributions and grow into talents in various work practices of the Bank, and strive to create a new situation in the work of the Communist Youth League with a brand-new mental outlook and good working attitude.
First, strengthen the organizational construction of the group.
1, establish and improve grass-roots organizations. All grass-roots League branches are required to update the data collection system of grass-roots organizations of the League in time according to the changes of personnel in the League, and complete the establishment, improvement or change of the League in accordance with the relevant procedures and requirements of the Constitution of the Socialist Youth League of China and the Election Rules of Grass-roots Organizations of the Socialist Youth League of China.
2, improve the working system of the group. All grass-roots league branches are required to further standardize, institutionalize and make public the work of various league organizations in strict accordance with the Regulations on the Collection, Management and Use of Tour Fees of Guangdong Development Bank, the Management System for League Members of Guangdong Development Bank, and the Management Measures for "Youth Civilization" and "Young Post Experts" of Guangdong Development Bank, so as to ensure the implementation of the work.
Two, strengthen the construction of ideological style, and guide the majority of youth league members to establish a correct world outlook, outlook on life and values.
1, strengthen ideological and political education. Guide the youth league members to advocate science and oppose superstition, arm their minds with scientific theories, and make them firm in their ideals and beliefs of capitalism and establish a correct world outlook, outlook on life and values.
2. Strengthen the construction of professional ethics. Combined with the central work of our bank in different periods, we carried out in-depth professional ethics education activities through special study and education, advanced deeds report meetings, speech competitions and other forms. To guide the youth of the League members to further enhance their confidence in the development of Guangfa, standardize their professional behavior, improve their moral standards, enhance their legal concepts, carry forward new industry trends, and condense their enthusiasm and creativity into the reform, development and construction of the Bank.
3. Pay attention to education of ideals and beliefs. Around the May 4th, July 1st, National Day, anniversary day and other important anniversaries, we will carry out various educational activities and group day activities to further stimulate the enthusiasm of young league members for loving the party, the league, the country, the line and the post, enhance the vitality of the league organization and expand its attraction and cohesion.
Third, persist in taking service as the center, unite and lead members to make contributions to the cause of Guangfa.
1. Continue to standardize the creation and management of "Youth Civilization". Continue to cultivate and expand the "Youth Civilization", expand its coverage and influence, and comprehensively improve the establishment level of the "Youth Civilization" of the whole bank. We will carry out in-depth exchange of experience, visit and study activities of "Youth Civilization" and constantly expand and explore new fields and new connotations of the work of "Youth Civilization".
2, vigorously carry out the "young job experts" selection activities. This year, the selection of "young post experts" will be carried out to comprehensively improve the professional knowledge and technical skills of employees. By setting up advanced models, we will guide the broad masses of young workers to learn from the advanced, compare with the advanced and catch up with the advanced, condense their enthusiasm, wisdom and strength into their posts, and promote young technical talents to play an exemplary role.
3. Carry out innovative activities with "innovative ideas", "innovative products" and "innovative technologies" as the main contents. Guide young employees to set up new ideas, be brave in exploring and innovating, make use of their professional knowledge, work experience and technical advantages, and carry out fruitful technical research or project development activities around key issues such as product and technology development, transformation and upgrading, combined with the marketing and business promotion of the Bank.
4, to carry out "young volunteers" activities, and strive to play the role of commandos. From time to time, organize the youth of the first-line members of the whole bank to carry out the "True Service Day" business consultation and promotion activities at the entrance of their business premises or in the bustling urban areas, actively cooperate with the bank's marketing and image promotion, carry out customer consultation days, and publicize the bank's series of financial products.
Four, adhere to the service for teenagers, and actively create conditions to promote the progress of teenagers.
1, do a good job of "pushing the best" to join the party and send new forces to the party organization. Guide the vast number of youth league members to actively move closer to the Party organization, and actively recommend outstanding young people with firm politics, pursuit of progress and both ability and political integrity to join the China Production Party on the basis of extensive training, organization inspection and merit-based recommendation.
2, care about the work, study and life of young employees, and enhance their sense of belonging to the league organization. Conduct regular heart-to-heart talks with members, do a good job in ideological work in a targeted manner, and strive to play a role in understanding the current situation of youth, reflecting their voices, serving the center, and safeguarding their fundamental interests. We should always sympathize with and help young employees who have difficulties to solve problems, so that young members can feel the warmth of the league organization.
Five, in-depth development of youth culture, to shape the youth with noble spirit, to inspire young people with excellent works.
1. Create an online propaganda position for the Communist Youth League. The Youth League Committee of the branch will cooperate with the Youth League Committee of the Head Office to gradually promote the informatization construction process of the Communist Youth League work, and timely reflect the major activities, dynamic information, some knowledge and hot issues of the Communist Youth League on the website of the Head Office, so as to be closer to, serve and unite the youth.
2. Continue to carry out meaningful cultural and sports activities. In order to enrich the amateur cultural life of teenagers, the Youth League Committee of the branch will take the lead in organizing rich, flexible and entertaining cultural and sports activities. It is necessary to arrange the time reasonably, innovate the form of activities, continuously improve the attractiveness and effectiveness, and attract as many teenagers as possible to participate in activities.
The bank's annual work plan (Chapter III) has been in existence for X years. For bank employees who are at the center of the reform wave, there are many things worth remembering, especially comrades who work in the position of account manager.
In my own words, at the beginning of the year, "this is the first time in my years of work that I have officially embarked on the platform of work." Moreover, unexpectedly, I almost fell behind in the competition, which made me feel pressure from the beginning, that is, from then on, I was more energetic in my heart. I must work hard and live up to my mission. He thinks so and does so. Over the past year, I have closely followed the pace of the leadership of the sub-branch in my work and completed all the work well around the work focus of the sub-branch. With wisdom and sweat, with actions and effects, the spirit of dedication and selfless dedication was demonstrated.
Up to now, we have completed the task of increasing deposits by 24 1.5 million yuan, completed 24 1.5% of the plan, discounted three acceptance bills with an amount of 4.6 million yuan, completed intermediary business income of 1.00 million yuan, and completed personal deposits of 601.00 million yuan, which was also successfully completed.
Customer first, deposit as the center. In my work, I always set up the concept of customer first, taking the customer's affairs as my own business, worrying about the customer's urgency and thinking about the customer's thoughts. In terms of working methods, I always achieve "three diligence", diligent in moving my legs, diligent in hands-on and diligent in thinking, so as to win the support of customers for our business. I can be a serious and responsible person in my work. He put the mouse on a company's secretarial writing website to see more information according to the prompts. The financial staff captured the information in an unremarkable sentence, gave timely feedback and tracked it, and finally made nearly 27 million yuan of funds arrive at the beginning of the year, realizing a "good start" and laying a good foundation for the bank to increase deposits.
In the process of serving customers, I am careful and inject brotherhood and friendship into my work, which makes the simple and boring service work colorful and truly embodies the concept of customer first. When a customer receives flowers from him on his birthday, he will be moved by this surprise. If the customer receives his short message when he is upset, he will definitely put his unhappiness behind him for a while and hold a little gratitude; When a customer is unfortunately lying in a hospital bed, he will even see him running around upstairs and downstairs after being busy ... Although everything is normal and simple, there are not many people as meticulous as Chen Gang. I have been engaged in credit and deposit work in banks for more than ten years, and I have a comprehensive ability to work independently. With the need of bank reform, my working ability and comprehensive quality have been greatly improved, and my business level and professional skills have also been updated with the reform of CCB in various stages. In order to fulfill my mission and complete the tasks assigned by my superiors, as the account manager in charge of several key customers, with the help of branch leaders and department colleagues, I boldly explored ideas, established the concept of customer first, recruited different customers, adopted different working methods, and strived to provide customers with the best financial services. In his own understanding of work, it is "the needs of customers are my work". Open up new ideas, be brave in innovation and work creatively.
With the reform of China's economic system and financial system, the trend of customers choosing banks has been formed, and the competition among banks is becoming increasingly fierce. In terms of business development, you have me and I have you. In order to survive and develop in the competition, how to serve key customers plays a decisive role in our business development.
I think, as an excellent account manager, we should always pay attention to market research and market dynamics. Studying the market is to analyze the marketing environment, study the customers on the premise of grasping the objective environment, understand the operating rules of customers' funds through the research on customers, and strive to track the downstream funds from customers to our bank, so as to realize the "monopoly control" of funds from the source, realize the internal circulation of funds and consolidate our financial strength.
The new year is coming, but the competition in the same industry will continue to intensify. In the face of all kinds of severe situations and pressures, in the new year, we will further change our business philosophy, study new business philosophy, and take some effective measures to comprehensively promote the development of all branches, so as to make all the work of _ _ _ have a good start.
Deposit is the foundation of bank's survival. We will vigorously carry out deposit marketing from the following aspects.
First, strengthen services, give play to advantages, steadily increase savings deposits, and implement specific measures.
1. Establish a responsibility system for deposit work, with leaders in charge personally grasping, teams in charge specifically grasping, and all employees * * * grasping together;
2. Further improve the assessment and incentive mechanism, firmly establish the idea that grasping deposits means grasping benefits, and fully mobilize the enthusiasm of employees to increase deposits from the distribution mechanism;
3. Use the "100-day savings and deposit contest" held by the branch at the beginning of the year to enter various communities, and all enterprises and institutions should carry out publicity. They should talk directly to customers face to face. Propaganda should be thorough and meticulous, and it is not a formality. At the same time, it is necessary to make records, understand the customer's current and fixed deposit information and the date of regular arrival, and strive to let customers handle business in our bank. For old customers, we should contact more, strengthen communication and consolidate, and trade in the old for the new.
4. Give full play to the brand advantages of the bank's personal working capital loans, comprehensive credit loans and other businesses, and increase the use of loans to attract deposits and absorb margin deposits. This part of the key marketing targets are administrative departments, senior executives of enterprises and institutions, and individual business customers with assets above _ _ _ _ yuan.
5. Take effective measures to promote the steady growth of corporate deposits.
Two, increase the intensity of credit marketing, and strive to improve the quality of credit assets and comprehensive benefits.
Do a good job in housing mortgage and working capital loan for outstanding small and medium-sized enterprises and individual and private owners, increase cooperation with guarantee companies, solve the problem of difficult guarantee, choose some good customers to do it, win customers through credit leverage, put a package of services such as customer deposits and credit in our bank, give more advice to customers based on our interests, and try to gain their trust and achieve a win-win goal.
1. Further strengthen the research on national macroeconomic, industrial and regional economic policies, grasp the key points, actively support customers in advantageous industries, and optimize credit investment. Under the premise of effectively controlling risks, provide targeted credit according to the specific situation of customers.
2. Change the business philosophy and give full play to the short-term financing functions of bill discount and bank acceptance bills. The development of bank acceptance bills in Guyuan is slow, and most customers only have a superficial understanding. Although a few of them are handled in other professional banks, the timeliness is not strong and can not meet the needs of customer business development. There's a chance. After 20 years, as long as our publicity is in place and our service is timely, we will certainly win these customers to handle business in our bank. In addition, increase internal and external discounting, increase the amount of bills discounted, increase income and create profits.
The demonstration year of the Bank's annual work plan (Chapter 5) is the second year that the business department implements the new performance appraisal method, and it is also a year that the business development of the sub-branch faces severe challenges. Therefore, on the basis of earnestly summing up the work in 2008, the branch deeply understood the current situation, accurately grasped the market pulse, fostered strengths and avoided weaknesses, and made concerted efforts with Qi Xin to achieve healthy and rapid development of various businesses.
First, attach importance to the advantages of outlets, seize development opportunities, and promote the rapid development of advantageous businesses.
Savings deposit is the foundation of the bank's survival, and it is also one of the important indicators of the president's target assessment. The completion of the annual savings deposit time and daily average index of branches is relatively good. As a strong indicator of outlets, we should also firmly grasp the savings deposit business next year, steadily and steadily, and promote the benign development of outlets. The first quarter of 2008 is the marketing peak season for the whole year, and the competition for deposits among banks will be fierce. How to seize the opportunity in peak season marketing is the main task of next year's work. The basic idea of sub-branch deposit marketing is "come in, be steady".
First of all, the so-called "access" means to vigorously tap deposit resources, tap deposits from other banks, and deposit market circulating funds into our bank, so as to make the deposits at outlets grow rapidly. First, mobilize the hospital staff to actively provide deposit marketing clues. As long as valuable marketing clues are found, account managers and relevant marketers will act immediately and contact customers in various ways to try to tap funds. Secondly, take advantage of the opportunity of a large amount of funds returning during the Spring Festival to find and track the flow of customers' funds in time and turn short-term hot money into long-term deposits. Third, make full use of the existing publicity methods of our branch, such as SMS marketing and publicity slogans, to convey the information of my deposits and attract customers to come to our door actively.
Secondly, the key to "stability" is to firmly retain the existing deposits of the firm. The first quarter is the peak season for banks to divert deposits, and the competition among major banks is bound to be extremely fierce. Our existing deposits are also at risk of being diverted by other banks. According to the current statistics, our branch will have millions of time deposits due in the first quarter, so it is very important for us to keep these funds. Therefore, we learn from the successful experience in marketing, take the initiative to contact customers who are about to expire, and give customers marketing gifts to stabilize at least 50% of the funds.
Thirdly, financial management with capital preservation is the product of two-way calculation of deposit and financial management, which has short time, fast turnover and high interest rate, and can attract some customers with high liquidity requirements. Counter and outlet marketers can increase the sales of guaranteed financial products as a useful supplement to deposits, and can also promote the growth of outlets' deposits.
Two, combined with the characteristics of outlets, vigorously expand the business friend card, increase the number of cards issued. Take points and areas, use cards to absorb storage, and drive the all-round development of business.
The branch is located in the downtown area, with many merchants and convenient transportation. Every merchant is a potential customer of a business friend card that can be tapped. With the new business friend card as the medium, it can attract merchants to pay for goods, increase deposits at outlets, and drive small and medium-sized merchants to transfer money to new jobs on pos. At the same time, you can also sell credit cards to merchants, which can serve multiple purposes. At present, the main follow-up project of our outlets is the expansion of Youka merchants in the Women's City. The specific work started in June, 2008 165438+ 10, and it is an important customer base of the Bank's newly issued upstream card. In the coming year, the person in charge of the outlet will take the lead and the account manager will be responsible for further follow-up, which will change the passive situation of business expansion in the past.
The World Bank's annual work plan (Chapter 6) has been written for 20xx years. In the past year, I have been doing things according to the requirements of our bank, trying not to make mistakes in my work, and at the same time keeping up with the pace of my superiors, so that I can correct my mistakes as soon as I know them, without arrogance or rashness. Even though I didn't make too many mistakes in my work this year, I always remind myself that now that I have become a bank employee, the following is my own work plan for 20xx, which is still a simple version and will continue to be revised and improved in the future.
People say that "plans can't keep up with changes". Indeed, a year is still a long time. Even if I consider many factors now, even if I consider some unexpected situations, I still can't guarantee that I can continue as planned, so I can only plan my work at about 20xx now. Judging from my personal work performance in 20xx, I feel that I need to improve my business ability urgently, because I haven't been in the bank for a long time and my work experience is relatively shallow. Compared with my predecessors, I know I still have a lot to go. Even if I often ask my predecessors for some experience, I still feel a lot worse, so in the new year, I will take more training organized by our bank. If there is a better opportunity, I will also participate in skills training outside the province, so that I can learn more about banking business and improve my personal ability.
When I deal with business, I'm actually not very cautious, especially when my business is busy. I make some mistakes occasionally. Although I have been careful to avoid these situations, they still pop up several times from time to time. I think this is because I have too little knowledge, but making mistakes is not a bad thing. After all, work is a process of continuous progress, and there will inevitably be some situations in this process, but we are willing to spend money as long as we are willing to correct it. In addition, I still have a problem that needs to be corrected, that is, my work attitude. There is always a cold expression in my daily work, and I can't see too many emotions, which makes people feel less enthusiastic. In fact, it will have a certain impact on my work, so I have to adjust my mentality and try to keep a good smile in front of customers.
The above is my work plan for 20xx, but I know it is not detailed enough. As time goes by, I will adjust my plan as soon as possible!