Summary Report of Bank Retail Department 1
Three weeks passed in a hurry, which brought my internship in the retail department to a satisfactory end. When I first came to the retail department for internship, I was full of joy and expectation. This is a new position waiting for me. I have to face all the new challenges. More importantly, my new knowledge and advanced way of dealing with people can make me study and understand seriously. But for some reasons, when I learned that the internship time was less than one month, I felt a little depressed, but I immediately adjusted. Because the internship in the retail department has always been the gift and training of bank leaders, it has become my pressure and motivation to learn the most knowledge in the shortest time.
In these short twenty-one days, I seized every minute, studied my business skills hard, and seriously consulted my predecessors about business processes and experience. At the same time, I use my spare time to study documents, thoroughly understand every detail in my work, and complete the tasks assigned by the leaders every day as quickly and economically as possible. Now I have been able to complete the whole process of mortgage independently, from the signing of mortgage to the examination and approval, to the storage of loan and first-class credit files, and every link can be completed independently to ensure the accuracy of each mortgage.
During my internship in the retail department, two things impressed me the most. First, the importance of teamwork. We live in a big family of branches, and everyone has a clear division of labor. What we do is to keep this branch running efficiently and orderly, in which teamwork is particularly important. In the process of signing the contract, each senior makes use of his own resources and cooperates with each other, striving to meet the most favorable direction for the development of the branch. At the time of examination and approval, the secretary and the leader carefully examine each piece together, so that the branch can bear the minimum risk and ensure the stable development of the branch business. Then there is the cooperation between the leaders of the general department and the employees of the sales department, so that every mortgage can be safely and completely put into storage. Finally, there are retail account managers who seriously explain the problems encountered after the loan. Through such rigorous and high-quality teamwork, the retail business of our branch is growing day by day, making an indelible contribution to the development of the branch. Second, the importance of strict work attitude. Every mortgage loan is accompanied by risks, such as operational risk and compliance risk. This requires us to have a rigorous working attitude towards everything, and everything is based on documents. Only in this way can we ensure that each piece does not step on the red line and does not increase the risk of the branch, so as to ensure the steady development of the branch.
Through 2 1 day internship, I learned a lot. There are many people to thank and many things to understand deeply. I'm growing day by day. Thank the bank leaders for giving me this rare opportunity to practice in the retail department. Here, I realized the importance of unity and friendship. Here, I learned to treat everyone and everything strictly, so that my work will not take detours and my life development will not take evil paths.
The retail sector is a challenging and passionate sector, where we can grow rapidly and lay a solid foundation for future development. I absolutely obey the arrangement of the leader, and I will meet the challenges in my work with the fullest enthusiasm and strive to contribute to the development of the branch.
Bank Retail Department II Summary Report
In 20____ _, the retail business department of the whole bank earnestly implemented the spirit of the working meeting of the whole bank at the beginning of the year and the work arrangement of the headquarters, and paid close attention to the implementation of the work objectives and measures formulated at the beginning of the year in light of the actual situation. Adhere to the working idea of "emphasizing publicity and efficiency, giving full play to the benefits of retail business", increase market expansion, strengthen basic management, adjust business strategies, promote the healthy development of retail business in the past 20 years, and obviously improve its operating conditions and benefits. By the end of _ _ _ _, the balance of personal unsecured small loans of the Bank was RMB _ _ _ _, accounting for _ _ _% of the ROP index of RMB _ _ _ _ _ _, and the balance of certificates of deposit was RMB _ _ _ _ _, an increase of RMB _ _ _ _ _ from the beginning of the year, and the contribution rate of certificates of deposit was 65,438.
1. Publicity is the cornerstone of retail development.
In the past 20 years, the propaganda work of the retail industry has closely revolved around the idea of "attacking county towns, stabilizing agricultural towns and expanding village cooperatives". From June to June, 65438, a total of _ _ _ unsecured personal micro-loans were issued, with a loan amount of _ _ _ _ million yuan, and CD personal deposit customers and corporate deposit customers.
1. Large-scale activities such as "_ _ _ _ _ _", _ _ _ _ _ "and _ _ _ _" organized by the retail department of the Bank have greatly enhanced the visibility of the Bank, expanded public awareness and promoted the rapid growth of business.
2. The retail department implements "bundling publicity" for loans and deposits within _ _ _ _ _ _ _ _ _ _ _.
3 in _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
4. Visit villages along county roads such as Fengdian, Feng Wu and Shi Feng every quarter, individual industrial and commercial households in towns and villages, market locations and large-scale breeding households in their jurisdictions to publicize and popularize the work, and assign special personnel to take charge of this work.
5. The competent departments at the county level shall make joint efforts. Visit county-level commercial committees, individual associations, agricultural committees, animal husbandry, beef cattle and other departments once a month, and visit animal husbandry stations, central township agricultural technology stations, and village committees along county highways once a month;
6. Hold a symposium with the supply and marketing cooperatives, and the Agricultural Broadcasting School, the Animal Husbandry Bureau and the Industrial and Commercial Bureau will hold lectures on financial knowledge, aquaculture knowledge and financing of small and micro enterprises to expand the publicity of bank loans and deposits.
The second is to strengthen team building, improve the performance management system and build a retail business framework.
In the year of 20_____, the bank trained two mature personal loan team leaders and recruited _ _ new personal loan personnel, which basically realized that the personal loan team was in the social forum (5+ 1) and the personal loan team was in the headquarters (5+1); Recruit _ _ CD personnel and initially reach _ _ team framework.
Bank Retail Department Summary Report 3
I. Summary of work
1, civilized and high-quality service work
It is always a central task of our department to manage the window service of various business institutions of our bank. In order to continuously improve the overall service level of the whole bank and truly promote the all-round development of branches' business through service work, in April 20, according to the guidance of the new branch party committee and on the basis of the original management measures for service work, our department revised and promulgated the new _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Compared with the old method, the new management method embodies the distinct characteristics of paying equal attention to service management and business development and closely combining them. The Measures are detailed and operable, which is more in line with the actual management work of the Bank. Several drafts were published and implemented at the civilized and high-quality service work conference held in mid-April of 20 th.
After the promulgation of the new "Measures", our department immediately arranged for the service supervision team of our department and all the staff of the institutions under its jurisdiction to study the detailed rules of the Measures seriously, and instructed special personnel to conduct self-examination according to the latest revised "Service Specification for Business Outlets of the Head Office". For the service software and hardware problems that have been self-checked, they can be rectified immediately; If it cannot be rectified for a while, it shall communicate with the trade union of the superior bank in time and submit it to the functional department of the branch for centralized research and solution. At the same time, our department also hired a service supervision agency to conduct an unannounced visit to the service status of the institutions under its jurisdiction in accordance with the requirements of the new measures, and report the inspection on a monthly basis. Although the "Measures" have only been implemented for two months, the service quality and overall level of our bank have obviously improved and improved from the results of service inspection for 20 years.
In 20____, while doing a good job in the daily management of services, our department also assigned some institutions to actively participate in the civilized and high-quality service competition organized by the Provincial Banking Association and the Civilization Office of the Municipal Party Committee, and in April and May this year, we accepted the acceptance inspection of our services by the Provincial Banking Association, the Provincial Service Supervision Team and the Provincial First Asking Responsibility System Inspection Team, all of which achieved good results.
2, business skills training and testing work
Organizing the training and testing of business skills of front-line employees within the jurisdiction is another key work of our department. In view of the fact that in September this year, the whole province's system is ready to launch the it blueprint, and the electronic classrooms of branches are used for blueprint training, so it is impossible to organize centralized skills training for employees of the whole bank. At the beginning of the year, our department issued a notice to the whole jurisdiction, requiring all institutions to break up into parts, organizing their employees to strengthen skills training, and striving to meet the acceptance of the head office with excellent results. From June 9 to 18, according to the general arrangement of the provincial trade union, our department also organized a skill test for employees of branches. More than 500 employees of the whole bank actively participated in the test, and the actual test was conducted for more than 40 times, with more than 800 participants. This evaluation has also achieved satisfactory results. According to statistics, more than 200 employees have reached the first-class expert level in different skill categories, and the qualified rate of participating employees in the whole jurisdiction is nearly 100%.
3. External publicity work
While doing a good job in daily work, our department also undertakes some external publicity work of branches, and timely submits all kinds of work news of branches to the websites of the head office, provincial banks and branches and internal electronic publications in the form of pictures and texts, so as to expand the influence of branches and enhance the visibility of banks. According to incomplete statistics, the bank published nearly 20 articles to foreign media in the first half of the year, with a publication rate of 100%.
It should be emphasized that at the end of last year, our bank was rated as an advanced unit of spiritual civilization by the Liaoning Provincial Party Committee and the provincial government. At the beginning of 20 _ _ _, the Propaganda Department of the Municipal Party Committee came to our bank to hold the awarding ceremony on behalf of the provincial government. Our department seized this opportunity, not only did a good job in reception, preparation and publicity within the system, but also fully cooperated with reporters from Liaoning Daily News Channel to interview our bank, and expanded its external influence by publishing an exclusive interview with our bank in Liaoning Daily.
4, workers' rights and interests work
According to the work arrangement of the branch party committee, our department actively contacted the physical examination hospital in March, 20 _ _ _, and organized the employees in the whole area to have a centralized physical examination. According to the inspection results, organize employees to be vaccinated with hepatitis B vaccine. At present, this work is still in progress.
In May, 20____, our department was also responsible for organizing employees to take care of the bidding and inspection of processing factories according to the requirements of the Party Committee, and completed the signing of the order contract and the measurement of more than 200 employees in the whole bank/KLOC-0 at the end of May.
5. Party work
According to the unified deployment of the provincial party affairs department, our department also actively organizes all party branches in the bank, strictly checks, carefully selects activists to join the party, and participates in the party training of the municipal government working Committee. At present, 1 1 activists who participated in the training have successfully graduated, and the new candidates to be recruited have been reported to the branch party Committee.
6, corporate culture construction work
In order to create a harmonious corporate cultural environment and enliven the cultural life of employees, our department has mainly arranged the following and several large-scale cultural and sports activities.
On the eve of the Spring Festival, organize the 20 _ _ _ annual commendation meeting and Spring Festival Gala of the whole bank; At the beginning of March, in order to commemorate 3.8 International Women's Day, we organized a calligraphy and painting photo contest for all female employees. In mid-May, organize all employees to carry out mountaineering activities with the theme of "Green Covenant", and so on. The success of the above activities has greatly enhanced the centripetal force of employees and the cohesion of party committees of branches, and achieved the expected results.
7. Other work
In mid-June, the provincial bank held the province's 20____ year business skills competition, and the designated bank undertook the whole process. According to the instructions of the branch party committee, our department has invested a lot of time and manpower from the early preparation of the activity to the smooth development of the activity. After the activity, the work of our department was praised and praised by the party committees of all provinces and branches.
Second, the main problems in the work
1. Although our department has revised the very detailed management measures for service work, in the daily management work, the assessment lines are still rough, and the assessment fineness needs to be strengthened.
2. In the 20____ annual business skill competition held by the provincial bank, the bank only won the fourth place in the total score of the group, which is inconsistent with the positioning of the bank in the whole province, and the business skill training of employees needs to be strengthened urgently.
Summary Report of Bank Retail Department 4
In the first half of 20 13, the retail business department of the whole bank earnestly implemented the spirit of the working meeting of the whole bank and the work arrangement of the headquarters at the beginning of the year, and paid close attention to the implementation of the work objectives and measures at the beginning of the year in light of the actual situation. Adhere to the working idea of "emphasizing publicity and efficiency, giving full play to the benefits of retail business", increase market expansion, strengthen basic management, adjust business strategies, promote the healthy development of retail business in the first half of the year, and obviously improve its operating conditions and benefits. By the end of June, the bank's personal unsecured microfinance balance was 36.42 million yuan, accounting for 65.438+002.9% of the ROP index of 35.38 million yuan, and the balance of CD personnel deposits was 8.08 million yuan, an increase of 200.3% compared with 2.69 million yuan at the beginning of the year. The contribution rate of CD deposits is 65.438+065.438+0%, and the contribution rate of ILR deposits is 2.82 million yuan.
1. Publicity is the cornerstone of retail development.
In the first half of the year, the propaganda work of retail business closely revolved around the idea of "attacking counties, stabilizing towns and extending villages". From June to June, a total of 258 personal unsecured micro-loans were issued, with a loan amount of 29.63 million yuan, 93 CD personal deposit customers, 3 corporate deposit customers and 65.438+0.09 million yuan in retail sales department, with a deposit contribution rate of 65.438+05.4%.
1. Large-scale activities organized by the retail department of our bank, such as "Spring Festival couplets sent by citizens", "One kilometer circle to stick flowers on the floor" and "Zongzi wrapped in Dragon Boat Festival", have greatly enhanced our visibility, expanded public awareness and promoted rapid business growth.
2. The retail department implements the "bundling publicity" of loans and deposits in Sanhe, Mingshan and Industrial Park, and expands the publicity of the bank's loans and deposits in the business publicity activities of Sanhe, Mingshan and Industrial Park every month.
3. In Mingshan Town, Shu Ren Town, Shi Zhi Town, Shetan Town, Baohe Town, Rensha Town, Gaojia Town, Baoluan Town, Longhe Town, Sanfu Township, Sanba Township and other central towns, the publicity of "personal loans to seize the beach" was carried out.
4. Visit villages along county roads such as Fengdian, Feng Wu and Shi Feng every quarter, individual industrial and commercial households in towns and villages, market locations and large-scale breeding households in their jurisdictions to publicize and popularize the work, and assign special personnel to take charge of this work.
5. The competent departments at the county level shall make joint efforts. Visit county-level commercial committees, individual associations, agricultural committees, animal husbandry, beef cattle and other departments once a month, and visit animal husbandry stations, central township agricultural technology stations, and village committees along county highways once a month;
6. Hold a symposium with the supply and marketing cooperatives, and the Agricultural Broadcasting School, the Animal Husbandry Bureau and the Industrial and Commercial Bureau will hold lectures on financial knowledge, aquaculture knowledge and financing of small and micro enterprises to expand the publicity of bank loans and deposits.
Second, strengthen team building, improve the performance management system, and build a retail business framework.
In the first half of this year, the bank trained two mature personal loan team leaders and recruited three new personal loan personnel, which basically realized that the personal loan team was in the social forum (5+ 1) and the personal loan team was in the headquarters (5+1); Newly recruit 1 CD personnel, and initially reach the framework of CD team.
Bank Retail Department Summary Report 5
Since 20____, under the correct leadership of the leading group of the sub-branch and the earnest guidance of the professional department of the superior bank, our department has adhered to the market orientation, centered on economic benefits, organized funds, expanded the market, adjusted the asset structure, cultivated gold customers, and made a solid attack with the goal of pursuing profits, and successfully completed all the work this year. The details are summarized as follows:
Brief introduction to the work of customer department in 200 _ _
(1) deposit work
1. unit deposits: in the past 20 years, the unit deposits of sub-branches have grown rapidly. As of June 5438+February 3 1, the balance of unit deposits reached 10000 yuan, a net increase of 10000 yuan compared with the beginning of the year, and an increase of 10000 yuan year-on-year, accounting for% of the annual plan. Unit deposits increased by 10000 yuan every ten days. Among them, the new unit deposits mainly come from the social security fund account of the Municipal Finance Bureau 1 billion yuan and the University of Technology 1 billion yuan. In this work, the branch adheres to the marketing principle of stabilizing old customers and striving to expand new customers. During the year, we focused on the following tasks:
First, strengthen leadership and implement responsibilities. At the beginning of the year, the sub-branch held several meetings on unit deposit work, conscientiously summed up the experience and formulated the implementation plan for unit deposit work this year. The work steps are clarified, the indicators are decomposed and implemented at the grassroots level, and the corresponding assessment scheme and reward and punishment measures are stipulated every quarter, which enhances the sense of responsibility and urgency of grassroots units and improves the enthusiasm and creativity of employees.
Second, renew ideas and strengthen management. First, starting from changing the concept, we organized employees to study and train many times, so that everyone established the business philosophy of "taking efficiency as the center, taking the market as the goal, taking the initiative to attack and creating profits for all employees" and changed "I want to save" into "I want to save". Second, adhere to the principle of "management yields benefits", strengthen internal management and pay close attention to service quality. The Bank has set up a "Small Marketing Deposit Work Leading Group".
Third, seize the opportunity and strive to increase deposits. In April, the head office approved a loan project of 300 million yuan to the University of Technology. According to the original intention of the University of Science and Technology, the loan should be granted in stages and in accordance with the progress of the project. However, in line with the concept of early lending, early benefit and early benefit creation, after many consultations with the Polytechnic University, the Bank conducted a series of related work in time, such as pre-lending investigation, and on April 30, it issued a full loan of 300 million yuan to the Polytechnic University. By the end of the year, the stranded funds exceeded 1 100 million yuan, and the school's fund account for tuition fees was also transferred to our bank, which played a key role in our annual unit deposit task.
2. Savings deposit work: At the end of 2006, the balance of savings deposits in sub-branches reached 1 10,000 yuan, a net increase of 1 10,000 yuan over the beginning of the year and an increase of 1 10,000 yuan over the same period of last year, accounting for% of the annual plan; Savings deposits increased by 1 10,000 yuan in ten days, accounting for% of the annual plan; Among them, the balance of foreign currency savings is equivalent to RMB billion, a net increase of RMB billion over the beginning of the year, accounting for% of the annual plan; The balance of education savings was billion yuan, a net increase of billion yuan over the beginning of the year, accounting for% of the annual plan. In the "Welcome the Spring Festival" activity in the first quarter, the sub-branch grasped the early stage and the small stage, actively deployed, and made concerted efforts with Qi Xin, which achieved good results. The foreign currency savings balance of this branch is equivalent to RMB million, and it has won the title of advanced foreign currency savings unit. The RMB savings of the branch business department increased by RMB 10,000 compared with the beginning of the year, and won the title of advanced collective savings. Comrade Zhang Zhuping of Jingyang Branch was awarded the title of advanced individual.
(II) Intermediary business 65,438+At the end of February, the income from intermediary business of sub-branches was gratifying, reaching 1 10,000 yuan, an increase of 1 10,000 yuan year-on-year, accounting for% of the annual plan. Among them, the performance of agency life insurance was outstanding, and the premium income of insurance agency business in the whole year was million yuan, an increase of million yuan year-on-year, which created income of more than million yuan for the branch. In addition, the intermediary business income of bank cards has reached a high level (this work will be explained in detail in the bank card work). As can be seen from the above figures, the income of intermediary business of our bank has increased rapidly, and the agency life insurance business has made great contributions. Our main methods are:
1. Designate a person to be responsible for business liaison and relationship coordination with insurance companies, and strengthen cooperation with insurance companies; At the same time, many people were sent to other commercial banks in the city to learn from their good practices and experiences as customers.
2, improve the understanding of insurance agency business, enhance the enthusiasm and initiative of its work. At the beginning of the year, the insurance agency business plan was broken down layer by layer and implemented in every branch and every employee, so that "everyone bears the burden and everyone has indicators on his shoulders". The Bank pays attention to increasing internal publicity, making employees realize that insurance agency business is a new business that benefits themselves and interests them, and arouses their enthusiasm and initiative. In terms of external publicity, we will vigorously publicize the benefits of insurance business, improve its popularity, and let more people know and understand insurance by posting posters, distributing leaflets and giving face-to-face explanations at various service outlets.
3. Take effective measures to strengthen on-the-job training and improve their service skills in this industry. In order to do a good job in insurance agency business, the bank overcame the difficulties of few personnel and heavy tasks, cooperated with various insurance companies, actively organized employees to use unified rest time and intermittent rest time, organized employees to conduct insurance business training in stages, explained insurance knowledge and taught marketing skills.
4. Establish a daily insurance agency business system. We have formulated a highly operational inspection and assessment plan, implemented the systems of "daily report", "weekly inspection" and "monthly notification", and established an insurance business sales ledger to keep abreast of sales information.
(3) The bank card work ended on February 3rd1,and the bank card business income of the branch performed well, * * * achieving RMB 10,000, accounting for% of the annual plan; The deposit balance is ten thousand yuan; The balance of bank card issuance was 1, a net increase of1compared with the beginning of the year; The accumulated consumption of bank cards is 1 10,000 yuan, accounting for% of the annual plan. Since February 16, 2006, Agricultural Bank of China has started to implement the new charging standard for financial services. Many customers have not stopped their business in our bank because of the handling fee. This is mainly because although the corresponding fees have been charged, the staff of our bank have won our customers with enthusiasm and integrity. Taking the Youth Road Branch as an example, the income of the bank card intermediary business of the branch surged because the employees of the branch braved difficulties and actively strived for individual industrial and commercial households around them to handle the remittance business of bank cards in different places (most of the coupons deposited by these individual industrial and commercial households were below 10 yuan), thus greatly increasing the income of the bank card intermediary business of the branch. Although the bank card income of the sub-branch has been completed well, the completion of other indicators' annual plans is not optimistic. In view of the unbalanced development of various indicators of bank cards in sub-branches, in May this year, sub-branches formulated and implemented the Assessment Measures for Bank Cards and E-banking in 2006 and the Implementation Plan for "1+N" activities in _ _ _ _ _ _ sub-branches in 2006. At present, the two assessment methods have achieved results, fully mobilizing the enthusiasm of all employees. Making good use of my golden ears has become the work goal of every employee in our bank. In just one month in June, employees spent more than 500,000 yuan on credit cards. At the same time, through the multi-party public relations marketing of the branch, they reached an agreement with universities such as _ _ _ University of Technology to handle more debit cards for freshmen, which brought a qualitative leap to the bank card work of the branch and comprehensively promoted the balanced and rapid development of bank card issuance, bank card deposit and bank card business income.
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