When bank product managers summarize their work this year, they will find that they still have some shortcomings in their work, so they can improve their shortcomings and improve themselves in future work. The following is the "Year-End Work Summary of Bank Product Managers" compiled by me for your reference only. You are welcome to read it. Year-end work summary of bank product managers (1)

In 20xx, there are many things worth recalling for bank employees who are in the center of reform xx, especially those who work in the position of account managers. Bigger. During the competitive recruitment at the beginning of the year, in my own words, "This is the first time in many years of working that I have formally stepped onto the stage to fight for a job." Moreover, unexpectedly, I almost lost the job. Competition made me feel pressured from the beginning. From that time on, I started to compete with myself in my heart. I must work hard and fulfill my mission. This is what he thought and did. Over the past year, I have closely followed the leadership team of the branch in my work. Focusing on the work focus of the branch, I have successfully completed various tasks. I have used wisdom and sweat, actions and results to demonstrate the spirit of dedication, dedication and selfless dedication.

Up to now, I have completed the new deposit task of xxx million yuan, completed the planned xx, processed x acceptance bill discounts, with an amount of xx million yuan, completed intermediary business income of x million yuan, and completed personal savings xx At the same time, he also successfully completed fund sales, credit card, debit card marketing, etc., completed the implementation of the online banking system of China Construction Bank, a power supply company, and assisted the branch in completing the research and development and promotion of the real-time collection and deduction system for electricity bills.

1. Customers come first, and deposits are the center.

I always put customers first in my work, treat customers' matters as my own, and take care of customers' concerns. Urgent, think about what customers think, and always achieve "three diligences" in working methods, diligently moving legs, hands, and brains to win customers' support for our business. I can be a thoughtful person at work. He captured the information from the inconspicuous words of a financial officer of a certain company, provided timely feedback and follow-up, and ultimately benefited nearly xxx million people. Yuan funds arrived at the beginning of the year, achieving a "good start" and laying a good foundation for the bank's deposit increase work.

In the process of serving customers, I am meticulous and inject brotherhood and friendliness into my work, making the simple and boring service work rich and colorful, truly embodying the concept of customer first. When a customer receives flowers from him on his birthday, he will definitely be moved by the surprise; if a customer receives a text message with funny words from him when he is troubled, he will definitely put his unhappiness behind for the time being. With a trace of gratitude; and when the client unfortunately lies in the hospital bed, you will see him busy running upstairs and downstairs... Although things are very ordinary and simple, but for a meticulous person like Chen Gang, not much.

2. "Customer needs are my job"

I have been engaged in credit and deposit work in the bank for more than ten years, and I have a comprehensive ability to work independently. As the bank In response to the needs of reform, my work ability and comprehensive quality have been greatly improved, and my professional level and professional skills have also been updated and improved with the reforms of CCB at various stages. In order to fulfill my mission and complete various tasks assigned by superiors, as an account manager in charge of multiple key accounts, I faced the difficult situation of increasing competition in the industry. With the help of branch leaders and department colleagues, I boldly expanded my ideas and established With a customer-first mindset, he adopts different working methods for different customers and strives to provide customers with the best financial services. His own understanding of work is that "the needs of customers are my job."

3. Exploit ideas, be brave in innovation, and carry out work creatively

With the reform of my country’s economic system and financial system, the trend of customers choosing banks has formed, and competition in the industry has become increasingly fierce. , In terms of business development, I have you, and you have me. To survive and develop in the competition, how to serve key customers well plays a decisive role in the business development of our bank.

I think that as a good product manager, you should always pay attention to researching the market and paying attention to market dynamics. Researching the market means analyzing the marketing environment. On the premise of grasping the objective environment, you should study customers and analyze customers through customer analysis. The research aims to understand the operating rules of customers' funds, and strive to track customers' downstream funds to our bank, achieve "monopoly control" of funds from the source, realize the internal circulation of funds, and consolidate the financial strength of our bank. This year, one of the clients he was in charge of had a large flow of funds. In order to circulate the funds in the body, he started from scratch and won the trust of the unit with high-quality services. He gradually found out the downstream units of the unit and through After many door-to-door contacts, all the infrastructure funds allocated by the unit were opened in our bank. In addition, in July this year, when the municipal government required the treasury to centralize collection and payment of budget unit accounts and transfer funds to commercial banks, he actively contacted door-to-door and successfully retained a customer to open an account with our bank.

Another example is using healthy fitness activities as a clue to carry out table tennis and badminton activities with customers, which not only deepens the interaction with customers, but also breaks the traditional public relations model, and has received a lot of benefits at work. Very good effect. In June of this year, while having a friendly discussion with relevant personnel of a real estate company, he learned that the client wanted to auction some of his properties. He worked actively and successfully transferred the auction proceeds of XX million yuan to our bank.

I have a strong sense of professionalism and responsibility in my work. I work hard and work actively. I never pick and choose, and I try my best to do every job and complete it on time and with high quality. In his daily work, he always adheres to high standards and strict requirements for himself, taking the overall situation into consideration, regardless of gains and losses. In order to complete various work tasks, he does not hesitate to sacrifice his spare time, give up weekends and holidays, and uses all time and opportunities to serve customers and work with customers. Customers make friends and be friends that customers are willing to make friends with. Through unremitting efforts, I gave myself a satisfactory answer in my work in 20xx. Bank product manager year-end work summary (2)

20xx has passed. With the care of the branch leaders and the help of my colleagues, I have achieved certain work performance through my own hard work. Banking knowledge has also made great progress, and personal marketing capabilities have also been greatly improved.

First of all, in terms of work performance, under the guidance of the branch leaders, I worked hard to market corporate financial management, and successfully hosted the first credit business since the transformation of xx branch. By the end of 20xx, the total credit limit had reached xx billion yuan , driving corporate deposits of more than xxx million yuan, realizing interest income of more than xx million yuan, and realizing intermediary business income of xxx million yuan. Personal account management company XX has successfully declared itself as a key financial management company at the head office level, and is assisting branch leaders in actively marketing a group of XX downstream companies. In terms of small business marketing, we also successfully marketed a XX enterprise, using cross-marketing to achieve] Plan - Model Library. Organize. At the end of the year, we added xx million yuan of private deposits. In terms of the small indicator assessment for corporate financial managers, my results ranked among the top x in the whole branch.

Secondly, by learning from leaders, product managers, and books, I have a more comprehensive grasp of our bank’s credit business knowledge. When I was transferred to the company's financial manager a year ago, I knew little about the company's business and credit products. After a year of study, I basically mastered the elements of most of China Everbright Bank's credit products. Guarantee status and business characteristics, and design reasonable credit plans and specific business products for financial management. In addition, while familiar with the business products, I actively studied the credit risk control measures of Everbright Bank. As the only product manager, I participated in the first credit approver examination held by the branch and successfully passed it. In the compliance essay competition held by the branch, my article "It is imperative to build a deeply rooted compliance culture in commercial banks" was awarded the second prize by the head office.

Finally, in the process of business marketing, study carefully, accumulate bit by bit, and strive to improve your personal marketing capabilities.

As a financial manager, your duty is to serve financial management well. On the one hand, you must be familiar with your business products and understand what you can bring to financial management. On the other hand, you must understand what financial management requires, especially the latter aspect. I understand. Only by creating conditions to meet the needs of financial management can we create conditions to meet them. The improvement of personal marketing capabilities largely lies in understanding and satisfying financial management. Therefore, in the process of communicating with financial management, I continue to explore the hobbies, interests, and expertise of financial management, and strive to talk about topics that interest financial management and solve urgent problems in financial management.

The past year has been a fulfilling year for me and a year of progress. At the same time, the achievement of these personal achievements is inseparable from the care, guidance and encouragement of the branch leaders. Of course, in the past year, I have also made mistakes and had some shortcomings. Especially in terms of maintaining existing financial management and tapping financial resources, I have not done enough. This is what I need to work hard in the future.

The work plan for 20xx is, first of all, to maintain existing credit and financial management under the current tight credit situation, make good use of resources, do a good job in financial management marketing, and maximize the profit of the credit line. Secondly, we should firmly grasp the characteristics of Haizhu region, develop professional markets, do a good job in credit marketing for small and medium-sized enterprises, and strive to achieve results. The third is to explore the potential of existing settlement accounts and market corporate deposits by leveraging the advantages of our bank's financial products and strengthening door-to-door services. The fourth is to vigorously expand the settlement accounts of small businesses around Haizhu Sub-branch. The fifth is to strengthen cross-marketing and work with private financial managers to provide comprehensive financial services.

The year 20xx has arrived, and I am determined to work harder, study harder, strive to make progress in all aspects, and become an excellent financial manager. Bank product manager year-end work summary (3)

In 20xx, there are many things worth recalling for me, especially in the job of account manager, the feeling is even greater. Competition made me feel pressured from the beginning. From that time on, I started to compete with myself in my heart. I must work hard and fulfill my mission. This is what I thought and did. Over the past year, I have closely followed the leadership team of the branch in my work. Focusing on the work focus of the branch, I have successfully completed various tasks. I have used wisdom and sweat, actions and results to demonstrate the spirit of dedication, dedication and selfless dedication. .

In the past year, I have been able to seriously study various financial laws and regulations, actively participate in various learning activities organized by the industry, and continuously improve my theoretical quality and business skills. Especially when I later became an account manager at a personal finance center, I asked more questions, learned more, and practiced more. As an account manager, everything I say and do represents the image of our bank. Therefore, I have high standards and strict requirements for myself, actively consider customers, promote our bank's new products, new businesses, and new policies to customers, and expand our bank's visibility. When there are customers who have different opinions on our work, I can explain things clearly that the customers don't understand, and ultimately make the customers satisfied.

While I am doing my job well, I also do my best to help other comrades. If you have any questions, just ask me and I will answer them carefully. When I have questions, I will humbly ask old comrades for advice. When it comes to business skills, I have a requirement for myself: among three people, there must be someone who can teach me, and I must do everything possible to learn what I don’t know. If you want to help others at work, you must improve your professional quality.

Marketing is the main task of an account manager, but how to balance "task" and "customer" and how to achieve a "win-win" situation? In the past six months, I have realized that only by treating customers like a doctor, To "look, hear, ask and understand" and prescribe the right medicine, that is: consultative marketing, only in this way can we gain the trust and support of customers.

The client’s assets are more important than your own, and you cannot allow your clients to lose money. Once you lose money, you will be suspicious of you, and you may have to work ten or a thousand times harder to win the trust of your customers again. I do my best to collect customer information at work. I record the customer's name, phone number, characteristics, amount of demand, price at which the product was purchased, etc., and file them.

Mark the names of the people who need to handle relevant business, and call the customers one by one to remind them to come over. The customers will cooperate with me and come over in time to handle the matter. Sometimes clients often bring me unexpected gains. My customers are the "relay stations" through which I send marketing signals. They will use their personal experiences to spread the reputation of CCB and introduce more high-quality customers to me.

Times are changing, the environment is changing, and the work of the bank is also changing from time to time. New things appear and new situations occur every day, which requires me to change with the situation. Learning new knowledge, mastering new skills, adapting to changes in the surrounding environment, improving my ability to perform my duties, training myself to become a comprehensive account manager, and better planning my career are the goals I strive for. Of course, I still have certain deficiencies in the handling and operation of some details. I will hone myself in future work and study, improve myself with the guidance and help of leaders and colleagues, and carry forward my strengths. , make up for the shortcomings. In the future, I will strive to achieve the following points, and I hope that leaders and comrades will supervise and guide me:

1. Moral aspects

As a product manager, you must have moral integrity, sense of responsibility, etc. You must have high moral cultivation, a strong sense of professionalism, a decent style of work, strict self-discipline, and be clean and self-respecting.

2. Psychological aspects

Account managers must be mentally mature and healthy. After being tempered, you can deal with setbacks and failures rationally. You must also be proactive and enterprising. At the same time, you must have strong communication skills, and be charming in language, manners, body, and temperament. You should be enthusiastic and cheerful in personality, humorous in language, flexible in handling difficult problems, and cautious and responsible in business operations.

3. Business aspects

Account managers must have systematic and solid business knowledge. First of all, you must be familiar with the bank's loans, deposits, settlements, and intermediary business knowledge. It is necessary to master both main business knowledge and familiarity with less popular business knowledge; it is necessary to have a high level of policy theory and to be able to introduce the operating procedures of various businesses in detail; it is necessary to be familiar with traditional businesses and to grasp emerging businesses in a timely manner .

In addition, product managers must also have legal knowledge and economic knowledge, especially the ability to comprehensively use a variety of knowledge to provide customers with a variety of alternative investment and financial solutions.

4. Marketing

Product managers must become marketing experts. It is necessary to master the basic knowledge of marketing, but also practice it and actively participate in practice. Master self-promotion skills, presentation skills, product promotion skills, communication skills with customers, handling rejection skills, etc.

Finally, in the new year, I will, as always, work hard to become an excellent product manager. Do your job well, work together with all employees of the bank, unite as one, and complete the year-end work summary of the bank product manager (4)

Due to work needs, from the end of x to the beginning of xx, 20xx, I worked on personal business in xx branch Department serves as department manager. Based on the work ideas of the party committee and the current situation of personal business development of xx branch, the direction of efforts was established to "focus on traditional business, pay close attention to new business, focus on new economic growth points, and promote the stable and rapid growth of personal business income". Specific work report

1. Promote the steady growth of deposits and loans

Under the correct leadership of the Party Committee of the Bank, through various labor activities such as "Spring Action" and "Summer Passion" The competition activities were supervised every week and reminded every day to promote the stable growth of savings deposits and personal loan business. With the joint efforts of all employees of the bank, by the end of x month, the savings deposits had a net increase of . Yuan, xx completed the plan issued by the branch, and various loans increased by xx million yuan net compared with the beginning of the year, so that the two better "xxx" and "xxx" properties in xx in recent years were settled in xx Agricultural Bank of China.

Combining the high-quality transportation capacity of the xx Yangtze River Waterway and cooperating with the research of the Sannong Personal Financial Business Department of the Municipal Branch, the "xxx Branch Personal Ship Mortgage Loan Management Measures (Trial)" was issued, and the xx branch became the first batch to be opened Branch for Personal Boat Mortgages.

As a major water transportation county, we have another new profitable economic growth point.

2. Promote the sustainable development of agriculture, rural areas and rural areas, and make every effort to reduce the risks of agriculture, rural areas and rural areas.

Use "xxx", "xx" and "xx" as support points to continue to promote agriculture, rural areas and rural areas. Work. Collected Rural Commerce Information from xx households, organized a training session on the installation and use of Rural Commerce in June, installed 60 Rural Commerce at one time, opened xx households for small-amount cash withdrawals, and broadened the card usage environment of Huinong Card.

Together with the president in charge, we went to three rural areas and rural outlets for on-site investigation. Based on the current situation of "the growth of non-performing small agricultural loans" and the actual situation of farmers, we formulated and implemented "prosecution in part, deterrence in part, The plan of “collecting part of the loan at door-to-door and suspending part of it” will strictly prevent the non-performing loans of small agricultural loans from being blocked. Through various methods, the county recovered xx million yuan, and the defective rate was controlled below 5.

3. Pay close attention to the development of new businesses, and achieve zero breakthroughs in the sales of financial products and gold

In response to new changes in the financial market and customer needs, we will promote financial products based on customer interests. marketing. First of all, I took the lead in marketing financial products for xx million yuan. Secondly, I formulated the incentives for financial products, and then I thoroughly explained the spirit of financial products to the director, lobby manager and account manager. At the beginning, every time there was a new financial product, the information and key points were printed to the lobby manager Wang Xiaoyan and others, and the marketing was promoted from point to point. By the end of x, *** has marketed financial products worth xxx million yuan.

In response to the heating up of the gold market and the requirements of customers, the borrowing city branch agreed with the business department of xx branch to start physical gold trading. With the support of the bank leaders, it went to the Banking Regulatory Bureau, the Industrial and Commercial Bureau, branches, etc. The coordination of various internal departments enabled the successful sales of physical gold in the business department of xx branch in June, and organized the marketing of xx grams of physical gold in that month. In August and September, I won the second place in the precious metal sales competition at the Sannong Bank business outlets of the Municipal Branch and a reward of 3,000 yuan each.

4. Focus on the development of the credit card business

Strictly control the quality of credit card increments to avoid the phenomenon of "bad money driving out good money" in monetary theory from happening to the platinum credit card customer group middle. For existing platinum credit card customers, we should change the status quo of "emphasis on issuance, light management, and lack of education", classify and clean up the original customer groups, give both kindness and power, guide customers to use platinum credit cards correctly, consume correctly, accumulate points reasonably, and avoid malicious cash-out, malicious overdraft. Customers with high points, high installments, and high contribution rates will be given continued use and appropriate credit increases, while customers with low points, no installments, and those who blindly cash out will be given credit reductions and credit locks to promote the sound, healthy, and sustainable development of the credit card business.

Under the correct leadership of the branch card department and bank leaders, I led the personal finance department and outlet account managers to actively develop credit card consumption installment repayment and credit card installment car purchase business. In June 20xx, the Sanrong Bank’s new monthly installment amount was xx million yuan, and the number of new cars per month was xx, ranking second; in x month, the xx branch had a new monthly installment amount of xx million yuan, and the number of new cars per month was xx. Ranked second; in x month, xx branch added a monthly installment amount of xx million yuan, and the number of new cars per month was xx units, ranking second, and received an award of xx thousand yuan from the branch to xx Agricultural Bank of China. This year's credit card business income increased by xx million yuan compared with the same period last year, with a growth rate of xx, making a greater contribution to this year's intermediary business income.

5. VIP team building has achieved certain results, but there is a long way to go and efforts are still needed.

No matter how fierce the competition among banks is, its essence is just the competition for high-quality customer resources. Therefore, focusing on the construction and management of VIP teams and enhancing competitiveness will determine who will occupy the high-quality customer resources. This requires: First, the team members themselves must have a high sense of responsibility, professionalism and relatively comprehensive qualities; second, they must have good financial products and carry out more complete testing of various financial products for people with different personalities and needs. Integrated marketing. There is never a single product that can satisfy all customers, and no one account manager can handle all customers. Both people and products have flaws. There is no perfect individual, only a perfect team. This is the goal, but we still need to work hard.

In the evaluation of the city branch, in x and x months of 20xx, xx Agricultural Bank of China won the xth place and xth place in the VIP team management of the city branch and a fee reward of x million yuan.

6. Pay attention to branch transformation and high-quality civilized services

According to the requirements of branch construction and transformation, participate in morning meetings of various institutions from time to time to preach financial products and the marketing of financial products. And I participated in the branch's skills training for transfer training.

Utilize the "mysterious person secret visit" of the head office to improve the civilized and high-quality services of the branches, formulate the "XX Branch Civilized and High-Quality Service Management Reward and Punishment Measures", organize personnel from the personal finance department to inspect and supervise various institutions from time to time, and call on everyone to not To provide high-quality service due to unannounced visits, we should "make civilized and high-quality service a habit!"

Looking back on this year's work, there are certain achievements and some unsatisfactory results in a hurry. I would like to thank the leaders of the department for their correct leadership and care and support, as well as my colleagues for their great help. I will continue to work hard and make selfless contributions in my new job.