The pre-job training of banks lies in understanding the actual operating conditions of banks and constantly improving their work. The following is a summary of the pre-job training for banks that I have compiled for you. Welcome to read!
Chapter 1: Overview of bank seizure.
According to the arrangement of the banking regulatory bureau, I am the first batch of cadres of rural credit cooperatives. The bank began to study for more than three months and took the post of deputy manager in the accounting and settlement department of the branch. Got it during the secondment? Get a warm reception from the leaders in your study and life? With the strong support, enthusiastic help and patient guidance of leaders and colleagues, I can study happily in a harmonious and good learning environment. I long for it. Read a lot? How do you feel about the rules and regulations of accounting management and going deep into business? Excellent corporate culture, these three months of study have opened my eyes, made me feel deeply and benefited a lot. I'm glad you came. Now I will report my study and some experiences in these three months as follows:
First, read widely, broaden our thinking and strengthen theoretical study.
To understand? May-May this month, I saw many good practices and advanced management models in accounting management? What are accounting rules and regulations? It is an important year to carry out the reform of joint-stock enterprises, establish a standardized and efficient management accounting organization system according to the management model with clear rights and responsibilities, and implement the comprehensive integration of accounting. During this period, a large number of rules and regulations such as business standardization and integration, risk control and business process reengineering were introduced. Among them, the Implementation Opinions on Constructing Management Accounting System and Improving Accounting Internal Control Mechanism, Administrative Measures on Division of Accounting Rights, Administrative Measures on Examination and Approval of Important Accounting Matters, Risk Points and Preventive Measures of Key Accounting Business and Important Accounting Matters, and Administrative Measures on Chief Accountant Appointment System have good reference value. Learn through theory, right? Have a preliminary and macro understanding of the basic framework, internal control mechanism and risk prevention system of bank accounting management. Combined with the current reform and reality of rural credit cooperatives, it has inspired me a lot and made me think deeply. I deeply feel that a scientific and reasonable internal control mechanism is the basis for a good business development.
Second, integrate theory with practice and conduct in-depth field visits.
In order to further deepen the understanding of the system and understand the good practices and experiences of internal risk control, I timely discussed with? In charge of leadership communication, applicable to? Under the business department and accounting management department? Three centers? Field research. I studied for two months, during which I deeply felt ICBC? People-oriented, customer first, advocating credibility and pursuing Excellence? Business philosophy and? Strict, standardized, cautious, honest and innovative? Industry atmosphere. Humanized service, strict and standardized business operation, meticulous work style, deep-rooted awareness of risk prevention and other employees' professionalism and youthful vitality left a deep impression on me.
Third, cherish opportunities, seize opportunities and study hard.
This temporary study is an important measure taken by CBRC to improve the management level of senior managers and the comprehensive quality of rural credit cooperatives cadres, and it is also the first time in the 50-year history of rural credit cooperatives. I am lucky to be the first batch of students this time. I cherish this rare learning opportunity and strictly abide by it? Okay, all the rules, get yourself involved? In this big family, there is no specialization. I change my perspective from time to time, sometimes as a member of ICBC, sometimes as a customer, and sometimes as a colleague. I study hard, observe carefully, appreciate carefully, concentrate on comparison, understand deeply, and feel the management and service of ICBC in all directions. Strengthen and? Communicate with employees at all levels, ask more questions and learn more, consult modestly, and seize all learning opportunities. During the period of attachment, I actively participated in the commemoration of the 85th anniversary of the founding of the Party organized by the Party Committee of the branch, and kept a diary of attachment and notes on my experience in time.
Through this short study, I deeply felt the demeanor of a big bank. They have a complete system, strong business processing system, strict internal control mechanism and deep-rooted awareness of risk prevention. At the same time, they also deeply understand the gap between us and professional banks, especially in the face of the hardest hit areas of the Associated Press, they feel more burdened and more responsible. The experience is as follows:
Scientific and reasonable labor combination and effective internal control mechanism. Set up posts scientifically according to the principle of efficiency and control. According to the needs of work? The positions of branches of the Bank are set as branch directors, chief accountants, business managers, business promoters, business managers, account managers and lobby managers, and the post setting adheres to the principle of business separation:
The first is the separation of business operators and marketers.
Anyone who is engaged in product marketing, business development, customer on-site service and other marketing and consulting marketing shall not directly handle specific counter business such as voucher transfer, bookkeeping and reconciliation for customers.
The second is the separation of important business posts.
Remittance of funds, intra-jurisdiction transactions, electronic interbank account business and accounting record entry. Tellers and review tellers are separated; Separation of delivery personnel, bookkeeping personnel and checking personnel in bill exchange; Seal, pledge and voucher separation constitute effective payment elements. Such as: special seal for bills of exchange, bank bills, cipher (money counter), special seal for bills of exchange, special seal for intra-jurisdiction transactions, cipher, special seal for cashier's checks, cashier's checks, business official seals, certificates of deposit (including certificates of deposit), business official seals, agreement deposit notices, business official seals, notice of emergency transfer of funds in different places, cipher, etc. It must be realized. Telex, password and business teller are separated; The warehouse keeper is separated from the counter business.
The third is the separation of operation and authorization.
Handle business in strict accordance with the principle of decentralization. All business shall be handled by the business handling agency first, and important business shall be handled by the business organizer, and the business supervisor (business manager) shall authorize it according to the prescribed authority. Business handling agencies, business sponsors and business executives shall not work part-time with each other. Under special circumstances, if the business sponsor and business supervisor need to handle business or shift, I cannot authorize the business (including signing and approving the business manually). Implement the post responsibility system, establish the post responsibility system, clarify the work content and responsibilities of personnel in each position, and implement the responsibility to people. The responsibilities between posts are clear, the authority is clear, and some actions are inaction. Establish a good internal control system with mutual cooperation, internal and external linkage, mutual restriction and clear hierarchy to effectively prevent and control risks.
The second part: Overview of bank attachment training.
It's been almost a year since I came to the grassroots in a blink of an eye. Although the time is not long, I feel a lot. In this period of work and life, I have more deeply realized the good intentions of the Party Committee and the organization department of the district branch to arrange young cadres to work at the grassroots level. Going deep into the grass roots to receive education and on-the-job training is the most effective way to enrich experience, increase talents and improve quality. I want to share with you some experiences of working in a grass-roots bank at the beginning of this month.
Although I have worked in the accounting and credit position of the county branch for six years, with the expansion of the business field of the Agricultural Development Bank, the variety of business and the change of business development concept, the work content and management mode of the branch have changed greatly. The thinking angle and method mode of working in the district branch are different, and the differences in geography, economy, culture, humanities and folk customs between counties require me to change my thinking, perspective, concept and role as soon as possible.
First, the understanding of attachment exercise
All kinds of tempering can accumulate experience and enrich life. As the first batch of cadres attached to posts in district sub-branches, we should have a correct understanding of attachment training, establish the belief of starting from scratch, being willing to endure hardships and being brave in dedication, study and exercise at the grassroots level in a down-to-earth and diligent manner, and do a good job in service. Being in a brand-new environment and going deep into the forefront of ABC's work is both a challenge and an opportunity. We should adapt to the new environment as soon as possible, overcome difficulties, forge ahead, solve the changes and difficulties in study, work, life, social and other aspects encountered during our temporary employment, let ourselves withstand various challenges and tempering, and achieve an all-round improvement in work ability and level. On-the-job training has opened up a broader world for us and built a platform for in-depth study. We should devote ourselves to the grassroots, study and work in a down-to-earth manner, improve our comprehensive quality and service ability, effectively achieve the purpose of exercise, and do something practical for the grassroots.
Second, a superficial understanding of the work of grass-roots banks
As a basic unit, county branch is the terminal of policy implementation. Although the sparrow is small, it has all aspects. There are daily business such as accounting settlement, customer marketing, planned credit, information technology, documents and files, as well as daily management such as administrative logistics and party-mass construction. Since I came to the garage, I have participated in non-business work such as the preparation of staff canteen, community health, public security improvement, national unity, family planning, spiritual civilization creation, business reception, etc., such as checking corporate culture construction, security and confidentiality. For me who has been engaged in business work, the complexity and triviality are unexpected, and the hardships I have never encountered. There are more than 40 kinds of leading bodies that need to be adjusted and formed due to the change of leading body members. A branch has to face multiple departments of the superior bank, and a post has to undertake the work of the above positions or departments, and at the same time, it has to complete various forms of work tasks arranged by relevant local departments, which really makes me think? A thousand lines above, a needle below, can achieve peace? Difficult.
Through the contact with the employees of Hexian Branch, I have seen from them the precious spirit of obscurity and selfless dedication of the employees of Agricultural Development Bank in their ordinary posts under limited conditions, and deeply realized the importance of county branch management in the whole system construction of Xinjiang Branch, and realized the hardships and complexity of the actual work at the grassroots level.
First, the work of county sub-branches is comprehensive, which requires not only high professional level and research and analysis ability, but also strong comprehensive coordination ability and practical execution ability, so as to accurately understand the spirit of policy documents and implement various tasks deployed by superiors.
Second, the county branch is the front line of bank work. Dealing directly with enterprises, local governments and relevant departments involves all aspects, with large variables and complicated work. The situation of enterprises is different. It is impossible to be clear at a glance that one prescription can cure all diseases, and it needs to be flexible and treated differently. Specific problems should be analyzed in detail and work should be carried out according to the actual situation. So we should combine principle with flexibility.
Third, the work of county branches is more specific. Front-line employees and enterprise personnel who directly face the policy implementation terminal have to translate the requirements of policy documents into popular language in order to do a good job in service, so they have higher requirements for integrating theory with practice in their work. Especially in southern Xinjiang, ethnic minorities account for a large proportion, and the necessity of bilingual service is even more important. Most comrades who have worked in southern Xinjiang for a long time can be bilingual. In this regard, I made a plan for myself to learn two sentences of Uighur every week.
Fourth, the sub-branch has many working ideas and relatively few personnel. In the face of complicated and trivial work, we should pay attention to fine combing, grasp the key points and make overall plans. Therefore, in the work, the requirements for overall coordination and comprehensive promotion of key tasks are relatively high.
Third, how to work at the grassroots level?
First, be a good student. Pre-job training is to let us learn and improve at the grassroots level. Regardless of the original work field and business scope, we should strengthen our study in an all-round way, pay attention to integrating theory with practice, study, analyze, study and summarize in practice, learn the working methods, experience and superb leadership art accumulated by leaders for a long time, learn from the rich and practical wisdom of the masses, and constantly accumulate and enrich our own work experience.
Secondly, be a good assistant, obey the orders of branches and regional branches, truly integrate yourself into the collective of county branches, fully complete all tasks arranged by branch leaders and superior branches as masters of branches, stand on their own posts, do a good job in charge of work, unite team members, help branch leaders find ways, find ways, go deep into the masses, respect every colleague, listen to the voices of the masses sincerely, carefully and wholeheartedly, and help the masses.
Third, build bridges and ties to reflect the voices of the cadres and employees of the branches and the difficulties encountered by the grass-roots branches in time; At the same time, we also actively publicize the working procedures and requirements of the branch in the autonomous region to the cadres and employees of the branch, and do a good job at the grassroots level according to their standardized procedures and requirements to further improve the efficiency of loan declaration and loan review; In addition, give full play to the policies and resources we have mastered in the work of branches in the autonomous region, actively contact with local departments such as finance, agriculture, poverty alleviation office and ethnic affairs commission, and help enterprises that meet the conditions of various discount loans to enjoy relevant discount policies, effectively promoting a win-win situation between banks and enterprises.
During the period of attachment, we should be more strict with ourselves, study more, practice more, sum up more, base ourselves on the post and be down-to-earth, further enhance our overall awareness and service awareness, strive to improve our political and ideological quality, organization and coordination ability, macro-thinking ability, etc., and successfully complete the attachment task.
The third part: summary of bank attachment training.
As the first batch of young cadres in the bank and one of the two recommended by the branch, I feel very lucky and envious. This attachment is not only a good exercise opportunity for me personally, but also a challenge from a new starting point. I cherish every minute with the head office. I hope that my personal management level and professional skills can be greatly improved within the limited time of attachment, and I will live up to the trust of branch leaders and the careful training of head office leaders. In a blink of an eye, I have been employed for half a year. Looking back on the course of 180 days, I summarize my work, study and life during this period as follows:
First, the role has changed rapidly and the work has achieved remarkable results.
I changed from one of the heads of the retail finance department of the branch to the risk director of the personal loan team of the retail finance department of the head office. I deeply realize that branches have different emphases from the head office in working methods and thinking. Branches focus on implementation and marketing, while the head office focuses more on management and strategy. After taking the post of personal loan risk supervisor, in order to adapt to the role as soon as possible and improve the quality and efficiency of work, I spent my spare time familiarizing myself with the rules and regulations of the head office on credit granting, and made clear the internal loan review process and authority setting. At work, I found that the professional skills and level of retail loan officers in Wuhan Branch need to be improved urgently. The reported credit information is of low quality, high rework rate and low efficiency, which has laid a hidden danger for retail credit work. In order to change the present situation, I drafted and formulated the notification system for the quality of credit materials reported by urban sub-branches, and graded the quality of credit materials reported by urban sub-branches every month, supplemented by case analysis, which not only improved the compliance and integrity of credit materials reported by urban sub-branches, but also improved the efficiency of loan audit of departments. In order to help city sub-branches establish retail credit teams, I visited city sub-branches all over the country, learned about the organizational structure and approval process of branch credit teams, and wrote an annual report. The silver document "Risk Tips for Retail Credit Business of City Sub-branches" reveals the risks existing in the retail credit business of city sub-branches and puts forward some suggestions for improvement.
Second, focus on work and improve team morale.
This year? In June, I rotated from the position of personal loan risk supervisor to the position of bank card and channel supervisor. After the rotation, I first learned the main work contents and methods of the team at present.
There are many key projects in the bank card and channel sector this year. Credit cards, such as financial ic cards, social security cards, mobile banking, online banking and self-service banking, are all important, but there are only three people in the whole team, which is very stressful, with many tasks and heavy responsibilities. Since the bank card and channel team was established last year, there has been no formal project online, and the team often manages one thing alone and is depressed.
In order to make the working procedure smooth, I have worked out the working schedule of all projects, around this year? Double base? The main idea of work, clear work content and project leader, put forward? Advance in an all-round way and make key breakthroughs? Work idea, finally? Before the end of the month, the bank's financial ic card project will be launched. In addition, I also published "Bank Entry" in "Head Office Dynamics" and "Department Dynamics" respectively. Core? Time "and" the adjustment of the handling fee of our pos machine has been successfully completed ",and the team morale was greatly boosted after the work results came out.
The third is to strengthen system construction and improve customer service level.
At the same time, I also manage the customer service team because the supervisors of bank cards and channels are not in place. As an important window of the Bank's external service, the service attitude and level of the customer service center directly affect customers' satisfaction and evaluation results. In order to improve the service level of our customer service, I divided the customer inquiries and complaints accepted by the customer service center into three categories: general consultation, system errors and major complaints, and formulated corresponding handling procedures for different types of calls, which effectively prevented the further expansion of the situation and avoided the secondary complaints of customers. In order to correctly and properly handle customers' inquiries and complaints, solve customers' problems in time, and earnestly safeguard the brand image of Hubei Bank, I have also established four important systems and six types of records and documents of customer service center. These four systems include registration system, feedback system, learning system and notification system. Six types of documents include the national network address book and related knowledge points, problem confirmation summary, complaint summary, daily operation report, customer service bulletin board and SMS cancellation register.
Fourth, participate in management training and accumulate management knowledge.
During my attachment, I actively signed up for the management training class organized by the head office, and learned such courses as: eight principles of thinking in the head, five functions of target management, index setting and assessment method of balanced scorecard, and how to become a charismatic leader. , mastered how to manage a team, how to communicate with team members, and how to play the team's combat effectiveness.
As a good team, we should have clear goals, reasonable division of labor and good information communication. Members can trust each other, actively participate in their own teams and encourage each other to learn from each other, so as to give full play to the team's maximum energy. As the head of the team, he is the soul of the team, and he should have strong willpower and ability to resist pressure. During my attachment, I made full use of the core essence of the course, constantly strengthened the cohesion of the team, stimulated everyone's fighting spirit, and made breakthroughs in the team's working methods, working ideas and work results.
Fifth, actively serve the grassroots and implement? Double base? work
Is this my year? Double base? In the first year of work, in order to do a good job in serving the grassroots and solve the practical difficulties at the grassroots level, I went to the grassroots for investigation many times.
First, at the beginning of the year, I visited the urban sub-branches to check the publicity activity plan, understand the rules of the retail activity plan of the urban sub-branches, collect the opinions and suggestions of the urban sub-branches on the activity plan, and reflect the practical difficulties of the sub-branches to the relevant leaders in charge, so as to realize the fairness and justice of the activity plan and ensure the smooth implementation of the activity plan of the whole bank;
Second, I went to the branch to train new employees. Xiaogan Branch has recruited a number of fresh graduates, enriching the talent pool. Graduates are unfamiliar with banking knowledge. At the request of the branch, I wrote a training course after work, and rushed to give a training meeting on "Basic Knowledge of Bank Cards and Channels" to new employees, which was highly praised.
Half a year is very short. Although I work in other places, during this period, the leaders and colleagues of the head office have given me the most selfless care both at work and in life, so that I can devote myself wholeheartedly to my work and study.
During my internship, I strictly demand myself and earnestly perform my duties. Morality, ability, diligence, success and sincerity? Exercise yourself from five aspects and constantly strengthen your theoretical study, so that your work level, especially the ability to solve difficulties and the awareness of taking the overall situation into account, has been greatly improved. In the next step, I will continue to overcome difficulties, forge ahead, apply what I have learned, work hard in the positions arranged by the organization, be brave in innovation, and contribute to the vigorous development of Hubei Bank.
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