Hello, everyone. First of all, I want to introduce myself. My name is Zhu, X years old, and I work in the sales department of China Industrial and Commercial Bank Co., Ltd., party member of the Communist Party of China, with a college degree and an assistant accountant. I'm competing for the position of personal account manager.

I am a diligent and conscientious employee and have been working in the front line. Today, I am full of enthusiasm and a strong sense of ownership to participate in this competition. First of all, I would like to thank the Party Committee and the President's Office for providing me with this opportunity to show myself. With the continuous development and advancement of reform, higher requirements are put forward for each of our employees. I think I should take the initiative to accept the baptism of reform. Account manager is a challenging career. I like challenges, and I like facing the unknown. I am determined to explore the value of life with firm will and persistent pursuit. Bravely accept the challenge in future marketing activities. The survival and development of ICBC depends on each of our passionate young people, so I decided to take part in this competition and show myself.

First, the understanding of the position of individual account manager. The customer manager system is to change the previous service mode of banks, take the market as the guide, take customers as the center, proceed from customer demand, market banking products, provide customers with all-round financial services, and maximize customer value and bank's own benefits. Personal financial management is a new support for the operational efficiency of banks. Creating an account manager in the form of competitive employment fully reflects the great attention and infinite expectation of the party Committee and the president's office for this position. As a new employee, we should have a diligent and keen insight into the market, explore the market and live up to expectations.

Second, my competitive advantage.

1, with a strong sense of responsibility and dedication. Since then, he has been engaged in cashier, accounting and other positions, which has made him love his bank and take his work seriously and responsibly. The cashier won the provincial-level expert in counting money, and there was no major mistake in his business. 1998 was rated as "excellent clerk" of the branch. I always feel that as a young man, there should always be something to pursue. The wave of reform has come, and it cannot be avoided. The heavy responsibility of history falls on our shoulders. We must face up to the difficulties, work hard and devote ourselves fully. Personal account manager is a new topic for me, but I believe in my ability. If I can take this post, I will study hard, consult modestly, constantly adjust myself and strive to be an excellent account manager.

2. Have certain public relations ability and good social relations. I am modest, but I am never timid, and I have a strong ability to do things independently. In my own life, I have made many friends, such as XXX, director of the office of securities company, XXX, director of Rugao XXX Center, XXX, director of XX Branch of XX Bureau, etc. And I'm iron. And I am in charge of attracting investment in xx town government, which is also an advantage. Zhu XX, deputy director of my hometown XX blade factory, is an old enemy of my family and has a good relationship. My uncle, xxX, is currently the director of X in xX County. He used to work in Rugao, and sometimes he can provide some help. I am convinced that with my own efforts and support from all sides, I can do this job well.

Three. Goals and tasks.

If this competition is successful, I will try my best to improve the quality service, tap the market potential, strive for quality customers, and fully expand the personal housing loan and personal consumption loan market. My goal is: a loan of XXX million per person a year.

Fourth, specific measures.

1, adapt to job-hopping as soon as possible. The first is proficiency in business skills. This is the key. If you are not familiar with business knowledge, you can't talk about any service and marketing. Not to mention customer development. Followed by marketing skills. In the position of account manager, it is not only quality service, but also a kind of marketing. We face many kinds of customers every day. We should be good at extensive communication and exchange with them, gain insight into customers' ideas and provide them with satisfactory services. "The relationship between the account manager and the customer is not only a business relationship, but also a human relationship; The service of the account manager should be creative and walk in front of the customer. " Then under the guidance of this concept, through the study of business and the accurate grasp of market conditions, we can provide reasonable suggestions to customers. We can't stop cooperating with customers in "catering public relations". Customer relationship marketing transcends business philosophy and embodies a new marketing culture. In essence, it embodies the recognition of the concept of "customer-centered", rather than the superiority of "self-centered", which remains in the bones. It should truly reflect the humanistic care of banks for customers and the love of bank-enterprise relations. This kind of marketing is based on the present and focuses on the future. Being kind to customers means being kind to yourself; Enhancing customer value means enhancing self-value.

2. Actively market and tap customer resources. First, actively seek developers with good reputation and strong strength as mortgage partners, seize the personal housing loan market through quality services, and strengthen ties with development companies. For example, although some urban areas have been demolished and rebuilt, there are still quite a few areas that need to be rebuilt. In order to create a civilized city, Rugao Municipal People's Government will further intensify the transformation of the old city this year and next. We should be good at seizing opportunities. Modern real estate development company XXX intends to participate in the transformation of the north side of Yuejin East Road. He and I are old acquaintances and have the possibility of cooperation. Second, attach importance to the second-hand housing loans. At present, the demand for second-hand housing loans in our city is still in a prosperous period. Third, take the mortgage of business premises as the breakthrough of personal loans, and seek the rapid expansion of volume.

3. Actively communicate with the Housing Reform Office. Intensify publicity for some enterprises and institutions that have financial resources but have not yet applied for housing provident fund, and strive to open an account in our bank as soon as possible. And for the units whose collection ratio is less than 12% (conditional 18%), they will conduct door-to-door publicity and mobilize the units to pay in place.

4. Increase the expansion of new and old products. The fierce competition from all walks of life urges us to do a good job in the marketing of existing products and constantly introduce new products to meet market demand. (1) Intensify the publicity of pledge payment of certificates of deposit with little risk to ensure that they can be handled at any time. (2) Visit administrative institutions to learn about people with loan demand and repayment ability, and take the initiative to attack. Expand the credit market. (3) At present, automobile consumption loans in our city are in the ascendant, and Bank of China has taken the lead. We should catch up, strengthen the automobile dealer alliance and brand our banks.

5. Strengthen the maintenance of customer relationship. Customer classification management is the main content of account manager's customer management. According to the principle of matching input and output, different management strategies are implemented for different customers and targeted. The competition in today's financial market is particularly fierce, and the existence of various uncertain factors requires us to continuously strengthen contact with customers and establish deep feelings with them. Only in this way can we ensure the vigorous vitality of marketing work. Our career will develop.

Leaders and judges, I am an individual account manager, but I am willing to dedicate myself to other account managers as long as they need it. I came to participate in this competition because of my sense of responsibility and mission. Whether it is successful or not, I will, as always, give full play to my own light and enthusiasm for the development of ICBC.

Thank you!