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# banking experience # model essay 1#
Next, I would like to share with you the practices and experiences of Minsheng Bank in financial services for SMEs.
This morning and afternoon, many scholars, experts, bankers and officials judged and analyzed the international and domestic economic and financial situation. In this round of economic crisis triggered by American subprime mortgage, the direct risks and losses of China's economy in the financial industry are very small, but with the gradual derivation of the international financial crisis, it has affected the real economy of China. In China, SMEs account for the majority, while in China, more than 90% of enterprises are SMEs. Small and medium-sized enterprises contribute nearly 60% to the national gdp, the total industrial output value accounts for 70%, the social retail sales account for 60%, and the total tax revenue and export volume are both 50%-60%. Small and medium-sized enterprises are the main components of the real economy, and the deeper the real economy is affected by this round of economic crisis, the deeper the impact on small and medium-sized enterprises will be.
At present, small and medium-sized enterprises are facing great financing difficulties when China's economy is gradually declining or the growth rate is slowing down. This financing difficulty is not only the problem of the enterprise itself, but also the problem of the authorities and all walks of life, including banks. As everyone discussed just now, the financing difficulty of small and medium-sized enterprises is a worldwide problem. How to solve this worldwide problem? I want to share with you the practice of Minsheng Bank in financing small and medium-sized enterprises.
Minsheng Bank is a private capital joint-stock commercial bank established in 1996, and it is also a relatively small commercial bank. After more than ten years of development, it was only 13 when it was established. By the end of last year, the capital of 800 million yuan had grown into a medium-sized bank with total assets exceeding 1 trillion yuan. At the beginning of its establishment, customer orientation of Minsheng Bank was aimed at private, high-tech and small and medium-sized enterprises. In the practice of reform and development for more than ten years, some practices of Minsheng Bank in serving small and medium-sized enterprises are constantly improving. Last year, Minsheng Bank took the lead in reforming the business division system in China's financial industry. At the end of last year, a business department dedicated to serving small and medium-sized enterprises was set up in Minsheng Bank, which we called "Industrial and Commercial Enterprise Finance Department", serving mainly small and medium-sized enterprises. After the establishment of this business department, we discussed the whole business of serving small and medium-sized enterprises, and we can communicate with you in several aspects during the discussion.
First, institutional innovation. In the past, Minsheng Bank's business of small and medium-sized enterprises was done by branches and sub-branches. When you do SME business, the account manager can be a big customer, a small customer, a small customer or a retail banking business. Every account manager is made by all customers, and all customers are not good at it. After the establishment of the business department, we set up a special team and organizational system, implemented corporatization operation according to the six mechanisms of the CBRC, implemented independent accounting internally, and designed a special business processing flow. The reform of the whole business division has been well reflected in one year's development. Financial Services for Small and Medium-sized Enterprises of Minsheng Bank During the one-year development, the Finance Department of Industrial and Commercial Enterprises provided credit financial services for more than 600 small and medium-sized enterprises. A year's new credit is 25 billion, accounting for more than 20% of the plan of Minsheng Bank in 2008.
Second, institutional innovation. It turns out that Minsheng Bank implements an independent credit evaluation system, and the whole credit approval is concentrated in four regional centers, which can still meet their needs in approving large and medium-sized enterprises. Small enterprises are close to the market and their finances are not standardized. According to the original mode of approving large enterprises, approving small enterprises is definitely not suitable for market demand. We set up regional business departments in each city branch, and send credit approvers to conduct independent credit evaluation. At the same time, according to the differences of personal qualities, regional risks, product risks and customer credit ratings, some differentiated and multi-level authorizations are carried out, which combines authorization with customer needs and greatly improves the efficiency of credit approval.
Third, technological innovation. The management of small and medium-sized enterprises is completely different from that of large enterprises. Domestic traditional commercial banks have rich experience in granting credit to large enterprise customers, but little experience in granting credit to small enterprises, especially micro enterprises. Minsheng Bank has made some effective discussions on risk rating and risk monitoring of small enterprises. Especially for small and micro enterprises, if credit is granted by manual approval, the cost will be very high and commercial sustainability cannot be achieved. Through the analysis of financial and non-financial factors of small enterprises, and drawing lessons from the experience of advanced foreign commercial banks, a set of evaluation and rating system for small enterprises is developed, a credit project for small enterprises suitable for national conditions is established, and the credit scale of small enterprises is realized through engineering treatment. In view of the information asymmetry of small and medium-sized enterprises, especially the existence of moral hazard, we are now studying the monitoring and screening system, integrating the credit information system of the People's Bank of China and the credit information system of small and medium-sized enterprises of the Banking Regulatory Bureau, as well as the customer settlement system of Minsheng Bank, including customs, industry and commerce, quality inspection departments and taxation, and integrating their data into one platform so that all information of enterprises can be found through one port. This will play a good role in controlling risks in the management process of small and medium-sized enterprises.
# Banking experience # Model essay 2#
No matter what position you have, you have your own difficulties, so does the lobby manager. Let me briefly talk about my long experience as a lobby manager.
I haven't been in this position for a long time According to my experience, there are almost no cases where customers simply come to find fault, of course there are (such as blackmailing banks). Most customers actually don't want to get angry, which shows that we should reflect on ourselves first, and we can't think that customers are unreasonable. Only with this mentality can we really solve the problem.
If a customer finds you and treats you as a lifeline, tell you what problems our staff have. Don't rush to defend anything, no matter who is right or wrong, it doesn't matter in itself, because this is not a court, even if you refute the customer, it may bring worse results. First of all, you should sincerely apologize to your customers, because you don't represent yourself. You should first get the good impression of your customers, so that the next communication can be carried out well. Secondly, you should find out what the customer needs and help the customer solve his problem as soon as possible. If this problem really conflicts with the system, you should listen patiently to why the customer is so embarrassed, give him an outlet and don't interrupt. Because some customers don't really want to go against our system, what they need is a kind of venting, or maybe he is angry in other ways and comes to you to vent. All we can do to solve the problem is an understanding. You may feel that it is too wronged and too difficult to do so. Indeed, this requires a good attitude.
This is your job. Don't hold a grudge against customers all the time. Think of the past as an experience, that's all.
You can keep a work diary, record any customer complaints and add your own summary. The next customer complaint may be repeated, so you can easily use what you summarized before. If it is a new complaint, it will give you experience again, and you will find that your mentality may change from the initial resistance to customer complaints to the final calm response.
When the customer is in a hurry, you should not do things indiscriminately, but be as anxious as the customer, so that he can feel that you are really doing everything for him, especially when some problems involve another department. When the customer complains, you should follow his instructions and complain about the problems of a certain department together, so that the customer can feel that you are on the same side.
No matter how bad the customer's attitude is, our attitude must be good. This is the most important and the most basic principle of discharging your responsibility, because sometimes customers come at you from time to time, but you have to argue with them with a bad attitude. His finger is likely to point at you, so it is important to protect yourself.
In the future, I will work harder to do my own job and contribute to the more brilliant development of our bank.
# Banking experience # 3#
Over the past year, I have been able to seriously study various financial laws and regulations, actively participate in various learning activities organized by banks, and constantly improve my theoretical quality and business skills. Especially after being an account manager in a personal financial center, you can successfully identify high-quality customers by asking more questions, learning more and practicing more. For example:10,21,Mr. Wang came to our bank to withdraw money. Chatting with him after queuing, I learned that he is an old customer of our bank and comes to the bank for business every day. He sincerely asked him to make suggestions for our bank, and suggested that he open a wealth management account and enjoy the service of ICBC's quality customers. He accepted my suggestion happily and left his contact number. I query's deposit to him is around 800,000 yuan. A few days later, I called him and invited him to open a wealth management account in our bank.
As an account manager, I think I should not only be good at learning, but also be diligent in thinking. In June 165438+ 10, as a customer, I visited four commercial banks, namely Bank of Communications, China Construction Bank, China Merchants Bank and Zhongxing Industrial Bank, and saw the quality of their financial products and services. I was deeply impressed when I came back. From the eye-catching quotation sheet of Bank of Communications and the publicity materials of various financial products, the excellent service of lobby managers and account managers, the RMB wealth management products of ZTE Industrial Bank and the green channel set up by China Merchants Bank for high-quality customers, I can see the gap between our bank and the lack of personal knowledge. After I came back, I made a systematic plan, learned business knowledge and theoretical knowledge, and put forward suggestions to put the fund quotation and publicity materials in place as soon as possible, which not only served customers, but also played a good marketing effect.
# Banking experience # 4#
Because I have been exposed to financial knowledge in my school's specialized courses, and because I am a financial major, I started my internship life in _ _ Bank with the idea of combining textbooks with practice and the vision of working in the bank in the future.
On the first day of internship, I walked into the bank in clean clothes with a feeling of anxiety and novelty, but my teacher severely criticized my clothes. As a bank employee, dressing the is required, that is, wearing a white shirt, a suit, black pants and black shoes. Men need to wear a tie, and women's leather shoes require no toes in the front and no heels in the back. In short, we must maintain a capable and neat form. As interns, although they don't have exactly the same clothes, they also need to wear clothes with similar colors to the industry clothes to maintain the overall image of the bank. After being edified, I changed into a professional suit in the afternoon and went back to the bank. There seems to be some work outside.
Throughout my internship life, my internship work can be divided into two parts, namely, serving as a temporary customer service manager and studying company business.
I thought the customer service manager was just a guiding role, but it wasn't. The work it covers can involve all aspects of the business department, that is, it is necessary to know all the business conditions, including the general deposit and withdrawal of public-private business, the handling and repayment of loans, and some guidance on wealth management business. , and have the mind to deal with the overall situation and solve emergencies and good communication skills.
I spent an afternoon studying the bank customer service manager's guidelines and lobby service standards, and got in touch with various forms, such as filling out forms, helping to repay loans, opening and using online banking, and using inquiry machines. Going to work on time every day, one stop a day is more than 6 hours.
As a small commercial bank, Bank _ _ is different from Chinese, agricultural, industrial, construction, communication and rural credit cooperatives in filling out forms. It has certain preferential policies with other small banks, such as _ _ Bank and _ _ Bank, because they use the UnionPay clearing system, so _ _ Bank does not need to pay the handling fee when depositing and withdrawing money on Ningbo bank cards, and this fee is paid by banks for customers. In addition, if the transfer in the same city is transferred to the five major state-owned banks, you need to fill in the deposit and withdrawal form in the same city; If it is a remote transfer, you need to fill in the remote transfer bill; People's livelihood cross-bank transfer does not need to fill in the form. As for others, such as debit card business, password loss reporting and unlocking. , you must fill in the relevant forms. And guiding customers to fill out forms and helping customers get numbers has become part of my job.
The opening and use of online banking business is a bit difficult for me who has never been exposed to it at first. Need to teach customers how to operate, need to do relevant demonstrations. To answer questions such as the difference between the customer's U-treasure and the browser's certificate, and the restrictions on the single and accumulated amount when applying for online banking.
In addition, because the financial manager asked for leave in the week of my internship, I also undertook the important task of introducing financial management business. Although it looks a little rough, I have to ask the teacher for help in many things, but I have gradually become more and more proficient. For example, you can choose 1 day or 7 days to handle "Qian Shengqian" business, which is suitable for those customers who need to use demand deposits and have a large amount of deposits, but the use time is uncertain. The bottom line requirements are: the counter needs more than 50,000 yuan, and the online banking needs more than 52,000 yuan. At the same time, the current financial management business is: after the customer's money is concentrated, it is mainly invested in treasury bills and bills, thus reducing certain risks. In addition, I also know the difference between "subscription" and "subscription".
During the internship, some unexpected situations occurred. For example, on July 23, there was a power outage for one day, which almost caused the bank's backup power supply to be insufficient. In this case of turning off the computer as much as possible and saving electricity, it has a great impact on the speed of handling business, and it also brings difficulties to the use of the numbering machine. In this case, how to stabilize the customer's waiting boredom, explain it reasonably and keep a certain waiting order has become a problem I have encountered. However, based on my previous work experience as a student, I handled this matter well and made others in the bank very satisfied.
In short, during the half-month internship in _ _ bank, I kept a regular commute life, constantly understood the significance of work, and thought about my idea of going to work in the bank in the future. At the same time, it also made me understand that during my internship, I must keep an open mind and the courage to ask questions, and actively strive for what I want to learn in order to get more gains.
# Banking experience # 5#
For 20__ years, the Bank has adhered to strict governance, attached great importance to internal control management, and regarded internal control as an important task. On the premise of strictly implementing the systems and measures of the superior bank, the Bank strives to improve and refine the internal control management system and do a good job in internal control according to the actual situation of the _ _ _ branch. In order to achieve the business objectives, the Bank adheres to the business strategy of combining business development with internal control management, standardizing operational procedures and preventing risks. The basic situation of internal control management of the Bank is now reported as follows:
First, strengthen the systematic combing and learning.
Since the beginning of this year, the bank has sorted out the rules and regulations of various lines, carefully organized and guided relevant policies in view of the changes in new documents, and always implemented the latest system requirements and regulations in actual business operations and operations to ensure that the relevant business operations of the bank are in compliance with laws and regulations. In April this year, according to the contents of the branch's education month, the Bank comprehensively and thoroughly carried out the Ten Prohibitions for Tellers and Heads of Business Institutions, the Professional Conduct of Employees in Banking Financial Institutions, the Code for Employees of Bank Co., Ltd., the Measures for Handling Employees' Disciplinary Behavior, Several Provisions for Leaders of State-owned Enterprises, Several Guidelines for Leading Cadres in party member of the Communist Party of China to Be Honest in Politics, and All Employees of the Bank to Abide by the Rules and Laws.
Two. Continue to implement personnel control measures for important positions.
In strict accordance with the requirements of relevant systems, the Bank has identified incompatible positions and businesses in business links such as the use of teller number, account opening, seal inspection, business seal keeping, reconciliation, bill exchange, and authorization confirmation of large-sum fund receipt and payment. Resolutely put an end to the occurrence of problems such as string posts, mixed posts or illegal post filling and part-time jobs. At the same time, the bank has implemented rotation and compulsory leave system for personnel in important positions as required. At present, it has completed rotation of 3 people and compulsory leave of 3 people.
III. Insist on controlling important operational links and high-risk businesses.
The Bank shall check the implementation of the Double Ten Prohibition at least once a month; Check the accounts and accounts of cash, important blank vouchers and precious metals at least once a month; Check account opening, loss reporting, account freezing, large deposit and withdrawal and transfer, customer's reserved seal, business seal and teller's private seal at least once every quarter; At least once a quarter, take the initiative to understand the reconciliation of key customers of the Bank.
Fourth, actively carry out risk investigation this year.
According to the latest documents of provincial banks and sub-branches this year, carry out risk investigation, further strengthen the management of all business links, standardize daily operations, and enhance employees' compliance and risk awareness.
(1) company line
According to the requirements of the document "Defining the Management Requirements for the Verification Authorization Registration System for Large-value RMB Transactions", the Bank once again conducted self-examination and standardization on the verification standards, personnel, methods and registration of large-value RMB transactions to ensure the legal compliance of the operation and implementation of this business.
(2) A gold bar line
1. Further standardize the inquiry and acquisition of personal customer information of the Bank and do a good job in _ _ _ _ _ _ according to the requirements of the Notice on the Measures for the Administration of Confidentiality of Personal Customer Information of Bank Limited (20th Edition).
2. According to the requirements of the Notice on Issuing the Risk Investigation Scheme of Personal Financial Services for Employees of Sub-branches, our bank conducted a comprehensive and one-by-one self-examination of personal financial products handled by employees through the personal financial services sales system from August 2000 to March 2000, focusing on checking whether employees handled personal financial services by taking advantage of their work. After self-examination, our wealth management business is compliant, and there is no such situation.
(iii) Supervision and legal compliance
1. According to the requirements of the Notice on Risk Tips for Bank Employees' Disclosure of Customer Information, the Bank has earnestly done a good job in ideological education and management of employees and intensified staff training.
2. According to the requirements of the Notice on Strengthening Risk Prevention of Employees' Self-operated Business and Transferring Customers' Funds with Personal Accounts, the Bank provided business guidance and learning to employees, cultivated a culture of operational risk management for all employees, and standardized the counter operation process.
Five, the staff thought dynamic analysis and behavior investigation system in place.
Recently, the bank organized and carried out an analysis of employees' ideological trends and behavior surveys, and grasped the ideological trends and behavior changes of each employee through observation, conversation, meeting analysis, home visits and customer return visits. At the same time, we often communicate with each employee, educate employees on "Double Ten Flags", ideology and morality, compliance management, case warning, etc., smooth communication channels, and encourage each employee to make suggestions for the compliance and internal control work of the sub-branch.
Thanks to the unremitting efforts of the leaders of the sub-branches and the employees of the whole bank, the Bank's internal control and compliance work is running well. In the future work, the Bank will continue to attach great importance to internal control and compliance as a long-term unremitting work, so that compliance and internal control can escort the business development of the Bank.
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