Speech on Competition for Credit Director 1 Leaders, judges and comrades:
Hello everyone!
Time flies, time flies. Inadvertently, it has been 20 years since I came to the credit union. Over the past 20 years, with the development of credit cooperatives, my fiery youth has gained rich and heavy experience in credit cooperatives, and I have grown from an inexperienced young man to an out-and-out "letter society" person. It is with my love for the financial industry that I confidently stepped onto the stage today and participated in the competition of the credit department director of the Associated Press.
First of all, I would like to take this opportunity to express my heartfelt thanks to all the leaders and comrades present here for their care, training and help over the years. It is your concern and help that has brought me to this day step by step. Thanks to your encouragement and support, I overcame many difficulties in training and became more rational and mature.
Below, I will briefly introduce my personal situation and work experience, so that you can have a more intuitive understanding and understanding of me.
My name is *, I was born in 19*, and I work as an assistant economist in 19*. I have worked as a cashier, accountant, loan officer, and head of a credit cooperative. Since I worked, I know that no pains, no gains. Therefore, in my work, I am always diligent, and I have a part to play. Because of my hard work, I have been praised by many social leaders and colleagues.
Today, I went to the podium to participate in the competition for the director of the credit department of the credit union. I think I have many qualifications for this position. I have the ability, confidence and determination to continue to be competent for this position. My advantages mainly include:
First, I love the credit business and have skilled work experience.
I started working at 1998. I have held many positions since I worked, and I know many businesses of credit cooperatives like the back of my hand. Especially since I became the director of the credit department in 2000, I have a deeper understanding of my post and business, which provides a reliable guarantee for me to continue working in the credit department.
Second, I have strong adaptability to work and strong organizational and management skills.
After 20 years of training, all my abilities have been greatly improved. No matter where I am, I can quickly get into my role and do my job well. In the past few years as the director of the credit department, I have strengthened my strong organizational and management skills. Regardless of external coordination or internal coordination, I can handle all kinds of relationships and solve all kinds of problems.
Third, we have established a strong sense of responsibility and a spirit of hard work and innovation.
I was born in an ordinary family, and I deeply understand the truth that "the edge of the sword comes from sharpening, and the fragrance of plum blossoms comes from bitter cold". My family education, life and years of work experience have given me a strong fighting spirit. In order to accomplish heavy tasks, I often forget to eat and sleep and work overtime all night. All these provide a reliable guarantee for me to do a good job as the director of the credit department.
Besides, I also have some professional theoretical knowledge. 1986 participated in the off-the-job study of Xiangtan Agricultural Bank employees in the secondary school and obtained the secondary school diploma; 1996, taking the adult college entrance examination; 19* years, was hired as an assistant economist; XX years to participate in the examination of the municipal party committee organization department, obtained the title of political engineer. It can be said that years of uninterrupted study have enabled me to master a wealth of professional theoretical knowledge and laid a certain theoretical foundation for me to continue to do a good job as the director of the credit department.
If I am allowed to continue as the director of the credit department due to the kindness of leaders, judges and colleagues, I will live up to expectations and live up to my mission, and strive to turn the trust of leaders and colleagues into an opportunity to achieve my career at a new starting point. I will try my best to do the following:
Speech by the Director of Competitive Credit 2 Leaders and colleagues:
Hello everyone!
Today, I am honored to stand on the podium again. The first thing I want to say is: thank the party Committee of the city branch for creating competitive opportunities for me again and again; Thanks to the Agricultural Bank of China for providing me with a broad stage to achieve my career. Whether the competition is successful or not, I will use all my wisdom and life energy to give back to this cause I love deeply!
Looking back on the work experience of Agricultural Bank of China for 20 years, I wrote a professional life with no regrets with loyalty, diligence and dedication. Looking forward to the future, I am more confident: on the excellent development opportunity of ABC's share reform and listing, a unique professional instinct of ABC people and an entrepreneurial impulse to make a difference always inspire and spur me: I am always ready to make more contributions to the cause of ABC in a more suitable position!
If I succeed in the competition, I will determine my priorities according to different roles:
If I were an operator, I would emphasize "strictly control risks and forge ahead". As a high-risk industry, strictly controlling risks is always the top priority. Scientific risk assessment, sound prevention and control system and long-term implementation mechanism are the basic ways to achieve this goal. However, strict risk control does not mean that you are stuck in a bundle and complacent. Risk control is to better develop your business, and development is the last word. We should seize the business position with pioneering spirit and the courage to win market share, concentrate on market research, carefully cultivate brands, transform the core concept of corporate culture into realistic competitiveness, ensure the absolute advantage of the industry, and establish the due position of ABC.
If I were a manager, I would highlight "people-oriented, scientific management". People are the first factor that determines productivity, and people-oriented ideas must be infiltrated into all aspects of management. We should attach importance to people, study people, unite people, understand people, care about people, love people, find people and use good people, so as to ensure that employees know their own ideological trends and their own advantages and disadvantages, because only by understanding people can we use good people and use good people to stimulate collective wisdom to the maximum extent. Collective wisdom is an inexhaustible asset of a team and an enterprise. The second is to have a set of scientific and effective management methods. Managers are not simple housewives, they must arm their minds with scientific theories, guide their behaviors with innovative thinking methods, and realize their management intentions through scientific management methods and mechanisms.
Compared with the first-class legal person system, operators and managers are executors. As an executor, I must first conscientiously implement the relevant laws, regulations and rules, and be a model of obeying the law; Secondly, we must faithfully implement the business decisions of party committees at all levels, highly safeguard the organizational authority of party committees, and never engage in policies and countermeasures; The third is to implement the business policies, systems and processes of the unit, the department and the major, do a good job in daily work, complete the tasks assigned by each line, effectively manage your own people, do your own thing, and satisfy your superiors, reassure leaders and reassure employees.
If I am lucky enough to be a leader, I will take "regular practice of political morality" and "regular self-discipline" as my daily compulsory courses, internalize them in my heart and externalize them in my actions, influence people with a healthy spirit, inspire people with personality charm, unite people with a fair heart, interpret the profound connotation of morality, diligence and morality first with practical actions, and strive to be an advocate and practitioner who refuses to corrode and is untouched. At the same time, we should be a good staff assistant, straighten our position, be a good supporting role, dare to take responsibility, do our job well, and strive to become a "golden partner" in our posts.
Leading comrades! I know that not every climber can reach the peak of success, but a loser who has worked hard has the same bright and confident smile. As long as a person has enough self-confidence and really works hard, is the result that important?
Speech by the Director of Competitive Credit 3 Leaders, Judges and Comrades:
Hello everyone!
Time flies, time flies. Inadvertently, it has been 24 years since I came to the credit union. Over the past 24 years, with the development of credit cooperatives, my fiery youth has gained rich and heavy experience in credit cooperatives, and I have grown from an inexperienced young man to an out-and-out "letter society" person. It is with my love for the financial industry that I confidently stepped onto the stage today and participated in the competition of the credit department director of the Associated Press.
First of all, I would like to take this opportunity to express my heartfelt thanks to all the leaders and comrades present here for their care, training and help over the years. It is your concern and help that has brought me to this day step by step. Thanks to your encouragement and support, I overcame many difficulties in training and became more rational and mature.
Below, I will briefly introduce my personal situation and work experience, so that you can have a more intuitive understanding and understanding of me.
My name is xxx, I was born in 1963 and worked in 1982, and I am an assistant economist. I have worked as a cashier, accountant, loan officer and head of credit cooperative department. Since I worked, I know that no pains, no gains. Therefore, in my work, I am always diligent, and I have a part to play. Because of my hard work, I have been praised by many social leaders and colleagues.
Today, I went to the podium to participate in the competition for the director of the credit department of the credit union. I think I have many qualifications for this position. I have the ability, confidence and determination to continue to be competent for this position. My advantages mainly include:
First, I love the credit business and have skilled work experience.
I started working at 1982. I have held many positions since I worked, and I know many businesses of credit cooperatives like the back of my hand. Especially since I became the director of the credit department in 2000, I have a deeper understanding of my post and business, which provides a reliable guarantee for me to continue working in the credit department.
Second, I have strong adaptability to work and strong organizational and management skills.
After 24 years of training, my ability has been greatly improved. No matter where I am, I can quickly get into my role and do my job well. In the past few years as the director of the credit department, I have strengthened my strong organizational and management skills. Regardless of external coordination or internal coordination, I can handle all kinds of relationships and solve all kinds of problems.
Third, we have established a strong sense of responsibility and a spirit of hard work and innovation.
I was born in an ordinary family, and I deeply understand the truth that "the edge of the sword comes from sharpening, and the fragrance of plum blossoms comes from bitter cold". My family education, life and years of work experience have given me a strong fighting spirit. In order to accomplish heavy tasks, I often forget to eat and sleep and work overtime all night. All these provide a reliable guarantee for me to do a good job as the director of the credit department.
Besides, I also have some professional theoretical knowledge. 1986 participated in the off-the-job study of Xiangtan Agricultural Bank employees in the secondary school and obtained the secondary school diploma; 1996, taking the adult college entrance examination; 1995, applying for assistant economist; In 20xx, he took the examination of the Organization Department of the Municipal Party Committee and obtained the title of political engineer. It can be said that years of uninterrupted study have enabled me to master a wealth of professional theoretical knowledge and laid a certain theoretical foundation for me to continue to do a good job as the director of the credit department.
If I am allowed to continue as the director of the credit department due to the kindness of leaders, judges and colleagues, I will live up to expectations and live up to my mission, and strive to turn the trust of leaders and colleagues into an opportunity to achieve my career at a new starting point. I will try my best to do the following:
First, be sincere about unity.
Years of work experience tell me that time and good unity among colleagues are more important than anything else. To this end, I will straighten my position, ask for more instructions, report more, communicate more, unite and cooperate, and earnestly perform my duties in front of the leaders. In front of colleagues, we should communicate more, enhance friendship, do a good job of unity, let everyone understand each other, trust each other, support each other, go up and down Qi Xin, and do a good job in the club. & ltb p = " " & gt& lt/b & gt；
Second, strengthen the management of this department and improve various management systems.
I will keep looking for new working ideas and methods, actively do a good job in the management of the credit department, further establish and improve the internal and external management system, clarify the division of labor and draw a clear line of responsibilities. Establish corresponding rules and regulations, so that employees have laws to follow. Clarify the responsibilities of each position, so that every employee knows what he needs to do and how to do it.
Third, do a good job in deposit business and manage loan funds.
The main task of the credit department is to do a good job in fund management and deposit business. To this end, I will establish a set of deposit incentive policies, let myself go out, communicate with enterprises and financial institutions more, and do a good job in door-to-door service. Try to pull deposits. At the same time, we should actively explore the development path of financial institutions. Establish a credit evaluation system, seek communication channels between credit enterprises, and establish guarantee institutions; Do a good job in loan fund management. In addition, our department will carefully examine and approve various loans, increase the recovery of loans due, and coordinate and urge credit cooperatives to do a good job in loan inspection.
Fourth, I will strive to improve my quality.
Strike while the iron is hot. If I succeed in the competition, I will strive to strengthen my self-cultivation, study hard, constantly improve my professional ability and enhance my comprehensive quality. Establish a correct world outlook, outlook on life and values in Yazhi's struggle, consciously stand the test, grasp the rudder of life in a complicated society, and correct the course of life. Dedicate a sincere heart to the great financial cause of our country.
Leaders and judges, time flies, mountains and waters are long, and time waits for no one. I am young, enthusiastic, brave, thoughtful, tenacious and self-motivated. If the competition is successful, I know that there is not only my personal sweat, but also the infinite trust and expectation of leaders, judges and colleagues. I will live up to my great trust and mission, and do a good job in the credit department with a hundred times of confidence and efforts! Please believe me and test me!
Thank you!
Dear judges and comrades,
Hello, everyone. First of all, I would like to thank the jury for giving me this opportunity to stand here and compete for the position of deputy director of the credit department of the bank. The following is my competitive speech.
My name is * *, I was born in 1973, and I am 39 years old. /kloc-0 studied at Zhongnan University of Finance and Economics from September 1993 to July 1997. After graduation, I directly entered the * * * bank to engage in accounting work, and successively engaged in auditing, financial supervision and credit work. He was hired as an assistant accountant in 20xx and obtained the national accountant qualification in 20xx. Now he is the head of the credit group of * * Bank.
I will report my work since I became the head of the credit team as follows:
1, excellent quality, solid and comprehensive business knowledge. Providing comprehensive and high-quality service with professional level has been my motto since I worked. In this way, I strive to improve my theoretical knowledge and practical work ability in all aspects. Since my work, I have paid attention to strengthening the study of financial, accounting and economic theory knowledge. And successfully passed the national unified accountant qualification examination in 20xx. The study and practice since taking office have proved that excellent political quality, comprehensive professional theoretical knowledge and good professional quality have played an important role in promoting my accounting and financial supervision and improving my ability to analyze and solve problems.
2. Give prominence to key points and perform various duties efficiently. In order to do a good job in all monetary and credit work and ensure the comprehensive and effective implementation of monetary policy. First, monitor the money supply and analyze the implementation of money and credit with high quality. I carefully analyzed the economic and financial situation of * * and formed an analysis with very good interview effect. I feed back the implementation of monetary and credit policies to my superiors in time, reflect the change of effective demand for loans on time according to market conditions, and complete the report materials on bank credit situation every quarter, which provides a basis for bank leaders to fully grasp the bank credit market situation and formulate effective monetary and credit policies. The second is to implement credit policies and strengthen credit management. I strictly follow the credit policy promulgated by the head office of the People's Bank of China and actively implement it to ensure the correct implementation of the monetary policy. And according to the actual situation of bank credit every month, timely reflect the implementation of credit policies, and provide strong support for bank executives to accurately, timely and comprehensively grasp bank credit information; At the same time, combined with the credit reality and characteristics of * * city and our bank, we constantly put forward opinions and suggestions to the competent leaders to guide the credit policy of * * bank; In addition, according to my job responsibilities, I strengthened the management of credit policies and made outstanding contributions to maintaining the normal credit order of * * city and * * banks. Third, rational use of some monetary policy tools to implement the head office's monetary policy. Authorized by the Head Office, as the head of the credit group of * * Bank, I actively, reasonably and scientifically used some monetary policy tools to timely and prudently control the total amount of monetary credit in * *. In 20xx, under my timely control, the city of * * avoided the loss of credit bad debts of 3 billion yuan. I also actively implement the unified national monetary policy. It provides a strong financial guarantee for stabilizing the financial market order and supporting the healthy, orderly and rapid development of small and medium-sized enterprises.
Summarizing my work since I became the head of the bank credit group, I loved my job, actively explored and innovated, and successfully completed all the tasks assigned by my superiors, winning the appreciation and recognition of leaders, colleagues and peers, and winning the respect and praise of customers. I believe that in my future work, I will devote myself to the credit work with greater passion, fuller emotion and more aggressive fighting spirit, and strive to achieve fast and good performance of * * Bank.
My speech is over, thank you! Please vote for me!
Speech of Credit Director Competition 5 Leaders, judges and comrades:
Hello everyone! My name is, and I graduated from a university in party member and the Communist Party of China (CPC) in June this year. I joined the work in 2006, and worked as a cashier, accountant, loan officer, head of banking department, etc. Since I worked, I know that no pains, no gains. Therefore, in my work, I am always diligent, and I have a part to play. Because of my hard work, I have been praised by many social leaders and colleagues. Today, I am competing for the position of director of the credit department of the bank.
Providing comprehensive and high-quality service with professional level has been my motto since I worked. In this way, I strive to improve my theoretical knowledge and practical work ability in all aspects. Since my work, I have paid attention to strengthening the study of financial, accounting and economic theory knowledge. And successfully passed the national unified accountant qualification examination in. The study and practice since taking office have proved that excellent political quality, comprehensive professional theoretical knowledge and good professional quality have played an important role in promoting my accounting and financial supervision and improving my ability to analyze and solve problems. In order to do a good job in all monetary and credit work and ensure the comprehensive and effective implementation of monetary policy. First, monitor the money supply and analyze the implementation of money and credit with high quality. I carefully analyzed the economic and financial situation of * * and formed an analysis with very good interview effect. I timely feedback the implementation of the monetary and credit policies to the superior leaders, timely reflect the changes in the effective demand for loans according to the market conditions, and complete the quarterly report materials on the bank credit situation, which provides a basis for bank leaders to fully grasp the bank credit market situation and formulate effective monetary and credit policies.
The position I am competing for this time is: the position of deputy manager of credit management department. The purpose is to put my knowledge and skills in practical work into the credit management of our bank wholeheartedly, so that the risk of credit assets of our bank can be effectively managed and controlled, the credit structure can be effectively adjusted, the quality of the credit team can adapt to the situation, and make due contributions to the smooth realization of our three-year goal of turning losses.
Problems and countermeasures of dominant majors;
(a) problems
1. The quality structure of credit assets is unreasonable, especially after other cities have shed a lot of historical burdens, with the gradual exposure of deep-seated contradictions in business operations, China's credit assets show signs of further deterioration.
Second, it is difficult for enterprises to operate, and it is common to find ways to evade bank debts.
3. The loan approval procedures are too complicated, which affects the improvement of loan benefits.
Due to objective reasons, the number of credit teams has decreased and their quality is not high, which does not meet the needs of the new situation.
(ii) Countermeasures taken
1. Further strengthen basic management, effectively adjust the credit structure, incorporate credit management into the overall work of the whole bank, and attach great importance to post-loan management. And supporting the establishment of target customer dynamic file tracking management system, real-time monitoring system of loan asset quality, and rapid reporting system of loan situation.
Enterprises with poor qualifications and poor reputation should quit decisively in time. On the one hand, we should collect loans and interest, on the other hand, we should seize the opportunity, make full use of the policy of writing off live loans, improve procedures, get rid of burdens and go into battle lightly.
2. Cultivate and train a high-quality credit team. Select outstanding talents with high political and professional quality, strong analytical ability and scientific management to serve in credit posts to improve the quality and level of loan operation. It is necessary to fully mobilize the enthusiasm of the bank's credit personnel and strengthen the training and cultivation of the credit team to meet the current business requirements.
3. It is necessary to establish a green channel for high-quality customers and high-quality loan services, implement the development strategy for high-quality customers, and provide differentiated loan services. Grasp the principles and standards of loan access, improve service quality, improve service efficiency, simplify loan procedures, reduce intermediate links, improve loan approval efficiency, and control risks from the source; Provide all-round services for project loans and development loans, and establish a convenient, fast and rigorous business image of personal housing loan business of XX Bank in the society. Make China's credit business develop continuously, healthily and steadily.
Whether this competition is successful or not, I will, as always, make my own contribution to the development of the bank.
My speech is over, thank you!