Part 1: Bank Personal Work Appraisal

I joined Everbright Bank Hefei Branch in July 2014 and my internship period has been completed for one year. During this year, I loved Everbright Bank and had a positive work attitude. I carefully studied various documents issued by the head office and branches, conscientiously implemented the policies, guidelines, and resolutions of our bank, and carefully studied business knowledge. I have completely completed the transformation from a school student to an Everbright employee. After entering the industry, I corrected my thoughts and fundamentally changed my views on work and study by seriously learning from the old employees. . I learned to consider problems from the customer's perspective, and the concepts of quality service and service with a smile are deeply engraved in my heart. Always put customers' problems first and find ways to help customers solve problems. Every business transaction must be taken seriously, and every day's work must be considered carefully. Learn service at work and discover customers through service. Whether I am at home or out gathering with friends, I never forget to market our various products and keep in mind the marketing advantages and service concepts of various products. He truly transformed himself into a qualified Everbright employee in terms of thoughts and actions.

With the cordial care and support of the leaders and the meticulous help of my colleagues, I am down-to-earth and working hard to learn business knowledge in my position. And participated in the banking qualification certification and passed the examination of the public basic course. However, I also encountered many problems and obstacles in the process of learning. Every time I would take the initiative to ask the old employees for advice and carefully record it so that I can complete it independently in the next business. In terms of skills, I also have very strict requirements on myself. At first, I was frustrated by the huge skill gap with the old employees. At the same time, I increased the intensity of my skill practice. I had to stay after work every day to practice various skills, such as counting money, keypad, and Chinese characters. I spent my youthful sweat entering each skill, which enabled my skill level to be strengthened step by step. Later, due to work needs, I was adjusted to work in the personal loan department. With the guidance and care of my leaders, the help and guidance of my colleagues, and my own self-study efforts, I quickly integrated into the job and gained a clear and full understanding of the business. I often work overtime until late, and I also learn a lot. As long as there is business every day, regardless of wind or rain, I will go to the branch in time to handle the business, and strive to get the business done in a timely and efficient manner. My down-to-earth and meticulous work attitude has also been well received by leaders and colleagues.

The work in the bank is busy, but I have not lost the concept of standardized services because of my busyness. Every moment, I remind myself to treat the customer's affairs as a top priority. I always have polite words on my lips such as hello, please, sorry, etc., and I can truly do it with a greeting when I come, an answer when I ask, and a greeting when I go. , so that every customer who comes to Everbright can come happy and leave satisfied. My efforts have also been praised and praised by customers. No matter how much effort and sweat I put in, it is worth it. I also have my own unique insights into the connotation of standardized services: Use my smile to win customers' understanding, use my sincerity to win customers' respect, and use my ability to win customers' loyalty.

To this day, I very much hope to be recognized by the leaders of the industry. As a new employee who has just been in the industry for a year, I will continue to work hard to learn business knowledge, improve service levels, and work diligently in my position. Sincerely, do your best to complete various tasks of the branch, regard Everbright's career as your lifeline, and regard the needs of customers as your goals. Let yourself be satisfied, make customers feel comfortable, and let Everbright develop. I hope to use my bright youth to ignite the passion of everyone around me and inspire my colleagues to contribute, make progress, make contributions and build careers for our Everbright cause.

Part 2: Personal Work Appraisal of the Bank

In the past 10 years of work, under the careful cultivation and guidance of the party organization and bank leaders, through my continuous efforts, I have made great achievements in my work, both in terms of ideology and , study and work, have made great progress and huge gains. The work performance is now summarized as follows: Ideologically, actively participate in political studies, understand and master the knowledge of Deng Xiaoping Theory and the importance of the Three Represents Thoughts, care about national affairs, support the correct leadership of the Party Central Committee headed by Hu Jintao, adhere to the four basic principles, support the party's various principles and policies, abide by business discipline and rules, be politically progressive, have a high political consciousness, and actively strive for The party organization moved closer and was approved as a probationary member of the Communist Party of China in September XX.

At work, since I started working in 2008, I have worked in Taoyuan Savings Office, Yazhi Savings Office, Planning Department, Accounting Department, Card Department and other departments. No matter where I go, I have strict requirements on myself. , study the business assiduously and strive to become an expert. It is with such a firm belief that I have become proficient in savings, accounting, planning, credit cards, personal loans and other businesses, and have become an expert in XX Bank business.

I remember that when I first joined XX Bank, in order to master the business of XX Bank as quickly as possible, I arrived at work more than an hour early every day to practice counting money, abacus, and savings, even though my residence was far away from my workplace by car at that time. It takes more than an hour, but I go to work every day, rain or shine. Especially in winter, when it’s freezing and snowy, I often have to go to work two or three hours early for fear of not being able to get on the bus. That’s when I developed the habit of arriving at work early. Now I am the first to arrive at the office every day, clean first, and then read business books or prepare for the day's work. This habit also gives me enough time to learn more business knowledge, which has helped me in the past few years of work. The smooth development laid a good foundation. Today, we are still responsible for more than a dozen tasks, including accounting (exchange, refund, court inquiry, blank voucher collection and online banking), planning (cash statistics, cash statements, fund allocation, deposit statistics) , Card Department Comprehensive, etc., the Card Department Comprehensive alone has more than a dozen specific tasks to be done every day. Due to the report work, it must be reported in time at the end of every month, regardless of whether it is a holiday, so I have never had a complete five-day break. Monday, National Day and New Year's Day, but I have never asked for any overtime pay from the bank, nor have I ever told the president about my hardships. I always firmly believe that the achievements of XX Bank's reform and development today are the same as those who are willing to work silently. Dedicated employees are inseparable, and I am just a part of the ocean, which is what I should do.

Most of the positions I have worked in are at the front desk. In order to better serve customers, I sincerely make friends with customers. In several years of work, I have made hundreds of customer friends, and they are not only me My friends in life are also my assistants at work. All my current savings come from the client friends I have made. In order to become good friends with them, I provide services to clients with different personalities, levels and needs. Different help and services, I remember a customer who came to our bank for the first time. When I learned that he wanted to get a loan to buy a second-hand house, because he didn’t know what to do and just had an idea, I introduced him in detail. I went through all the loan procedures and used my days off to help him find a house. When he moved into his new house, we became good friends and talked about everything. I rely on this kind of personalized service to communicate with my clients. I fell in love with friends, and when I became their bank consultant, they also became the growth point of my deposits. My highest deposit reached more than 3 million yuan.

In addition to doing my best to serve customers, I also actively responded to various activities organized by the industry. I often participated in various competitions organized by the unit to show myself, and achieved excellent results. I was well received. Awarded by the unit.

I remember that in XX, the bank called for blood donation. Because there were rumors in the society that blood donation was harmful to health, no one in the bank took the initiative to donate blood. However, in order to confirm that the rumors were false, I took the initiative to ask the president to come out and donate blood. Because I I was thin and small. At first, the president and the chairman of the labor union did not agree with me donating blood. I said: I should donate blood. With my body shape, it is fine, and others will be fine. It is precisely because I took the lead that in the next few years, I will donate blood. During our blood donation activities, no one has ever declined on the excuse that donating blood is harmful to the human body.

I have participated in various activities organized by the municipal bank on behalf of XX Bank more than ten times, such as: the regional business knowledge competition organized by the municipal bank in 2002, and won the third place in the collective; The activity to welcome the May 4th Youth Flying in the Reform won the third prize of the collective; the knowledge competition organized by the municipal trade union to celebrate the 80th anniversary of the founding of the Party in xx won the third place in the collective; in xx, the xx bank was implementing the CIS project to improve services At the Quality Speech Conference, he won the Speech Excellence Award and so on. It is precisely because I actively organized and participated in the Youth League activities that the industry recognized my work performance and appointed me as the Youth League Committee Organization Member and Secretary of the Youth League Committee, responsible for organizing grassroots League organization work. And has won the honorary titles of Advanced Worker of XX Years, Union Activist of XX Years, Advanced Worker of XX Years, Service Model of XX Years, Advanced Worker of XX Years, etc.

In terms of study, since I joined the work, I have never given up learning theoretical knowledge and business knowledge. Since the finance school I graduated from is a technical secondary school, I used my spare time to study on my own in junior college when I first started working, and graduated in XX. However, I was not satisfied with the status quo. I also studied for a bachelor's degree in finance from Northeastern University in XX. Due to my diligent study and excellent grades, I I was fully recognized by my teacher during my studies and am currently actively preparing for my thesis defense. Not only have I mastered and improved financial knowledge, but I have also achieved a certain theoretical level, fully reaching the level of undergraduate students. While studying theory, I delved deeper into business and integrated the financial knowledge I learned into my work to continuously improve my business level. In XX, I participated in the National Intermediate Economist Qualification Examination, successfully passed it and was hired as an intermediate economist by the industry. After many years of business knowledge assessment, each accounting business qualification examination has reached Level 1 level.

The above are just some of the achievements I have made in my work. This is inseparable from the help of my leaders and colleagues. However, the development and reform of XX Bank does not rely on one person alone. I I always believe that no matter how bright a match is, it will only produce a small amount of light. But if you use a match to light a pile of matches, it will burst into flames. I hope to use my bright youth to ignite the passion of everyone around me, and inspire my colleagues to contribute to XX Bank, make contributions, and build careers...

Chapter 3: Bank Personal Work Appraisal

It has been xx years since I worked at xx ICBC branch in xx. Through x years of work, I have achieved certain results in ICBC. The following is my self-assessment of my work.

Adjust the credit structure and promote commodity circulation

XX is the first year that the State Council proposed to manage the economic environment and rectify the economic order. The head office proposed to control the total amount, adjust the structure, and ensure key points. The general policy of credit reduction, compression, and timely adjustment. How to implement this central task into our commercial credit work? Our slogan is: adjust the structure, protect the market, and promote circulation. Among them, structural adjustment is the foundation, market protection is the task, and promoting circulation is the goal. After a year of active work, the commercial credit structure has been effectively adjusted. At the same time, the city's market has achieved a gratifying situation of stability and prosperity, with a total purchase value of 205.48 million yuan, sales of 241.78 million yuan, profits and taxes of 6.79 million yuan, and relatively good economic benefits.

Adjust the two structures and activate the capital stock

This year, the country implements the policy of tightening finance and credit. The purpose is to reduce monetary investment and promote the adjustment and adjustment of original production factors. Optimize allocation to achieve the purpose of controlling inflation and stabilizing economic development. The commercial sector is responsible for withdrawing currency and prospering the market. How it operates is of great significance to whether it can stabilize the market and promote economic development.

We believe that under the circumstances of monetary tightening and reduced investment, the only way to support commercial enterprises, improve efficiency, and maintain the market is to activate the capital stock, adjust the two structures, improve the efficiency of the use of original funds, and alleviate the contradiction between supply and demand.

(1) Adjust the loan structure of the first, second and third types of enterprises

At the beginning of this year, we based on the classification and queuing standards formulated by the superior bank, combined with the results we explored ourselves in xx The ten-point classification queuing method considers the support sequence proposed by the state and the head office, classifies all commercial enterprises, and formulates plans for increase, leveling, and reduction for each enterprise, so that the loan investment volume and the focus of the guarantee are very clear, setting the stage for this year The adjustment work won the initiative. By the end of the year, the loan ratio of first-category enterprises reached 65.9, an increase of 4.7 percentage points from the beginning of the year, that of second-category enterprises reached 26.7, a decrease of 2.6 percentage points from the beginning of the year, and that of third-category enterprises reached 7.4, a decrease of 2.1 percentage points from the beginning of the year. This shows that through the shift of loan stock, the loan structure is more optimized.

(2) Adjust the capital occupation structure of commercial enterprises

For a long time, due to the low level of operation and management of commercial enterprises in our city, working capital has been improperly used, and there has been a large amount of accumulated funds. The stock shows three unreasonable characteristics: first, there are too many problematic commodities, and the occupation of commodity funds is unreasonable; second, the occupation of settlement funds is too high, and the internal structure of all working capital is unreasonable; third, there is too little self-owned funds, accounting for all working capital. The proportion is unreasonable. In response to these three unreasonable factors, we have made great efforts and worked hard to adjust the existing stock structure and activate funds from the stock. We have mainly carried out the following aspects of work:

1. Vigorous efforts Promote internal banks and ask for funds from management

Based on the pilot work in XX, we implemented internal banks in all state-owned businesses this year, improved the corporate working capital management mechanism, and reduced the liquidity of working capital. Running, risking, dripping and leaking, the efficiency of the use of funds has been significantly improved. After the implementation of internal banking in Liaocheng Department Store, the use of funds has been significantly reduced, while the efficiency has increased significantly. This year's total working capital occupation increased by 1.5% compared with last year, while the increases in purchases, sales, and profits were all above 30%, and capital turnover accelerated by 27%. According to statistics, since this year, commercial enterprises have saved approximately 4.5 million yuan through internal banking.

2. Focus on clearing potential and tapping funds into potential

In response to the problem of high capital occupation and high potential of commercial enterprises, we recommended that the municipal government hold three mobilization meetings for clearing potential this year , formed potential tapping leading groups at all levels, and formulated a series of reward and punishment policies, setting off a climax in the city where everyone emphasized and tapped potential, turning the one-man show of one bank into a chorus of banks, enterprises and the government, and effectively promoted The work of tapping the potential of commercial enterprises in the city has been carried out. In order to help enterprises clear their debts, we also launched a trilogy of debt settlements in the third quarter, sending 28 loan officers to help companies clear their debts at three levels: within the city, outside the city, and outside the district, and 317 funds were paid back. 5.81 million yuan, which was highly praised by the enterprise.

3. Fully urge enterprises to replenish capital and squeeze funds from consumers

In order to solve the problem of low self-owned funds and poor risk resistance of commercial enterprises, in addition to issuing working fund loans using interest rates In addition to using leverage to urge companies to replenish capital, they also widely publicized and actively mobilized to guide companies to learn to live a tight life and turn consumption funds into operating funds. With our promotion, 7 companies have used all the 2.85 million yuan of funds intended for consumption to participate in turnover. For example, the regional textile station postponed the construction of a dormitory building and retained 850,000 yuan of corporate profits, all of which were used to supplement working capital. This year, we have urged commercial enterprises to replenish capital by 1.58 million yuan, which is 6 times the annual plan.

Part 4: Personal Work Appraisal of Bank Accountants

Since I came to work at xx Bank, as of x month x, 200x, the business office savings deposits reached 134.17 million yuan, which was higher than the beginning of the year. An increase of 47.02 million yuan, and 4,653 new payroll households were added. Especially in January this year, deposits at savings counters exceeded the 100 million yuan mark, the highest in the history of new savings counters.

I will now make the following appraisal of my own work in the first quarter of 200x:

1. Accelerate the change of ideological concepts

After the job adjustment in 200x, I was hired as an 8-year-old employee. Senior executive accountant, in front of the new position, I repeatedly warned myself to find the right position and enter the role as soon as possible, because the business office does not allow people who have nothing to do. With some of the management responsibilities relieved, I focused my energy on front-office business and product marketing, especially the marketing of savings deposits and related new products. I did not let go. Entering 200x, through careful study and understanding of the meeting spirit of our bank's series of staff meetings, middle-level cadre meetings and our bank's first business analysis meeting, the new leadership team's new ideas of unconventional and leap-forward development not only inspired It has improved the work enthusiasm of all the staff in the business office, and also broadened my own work ideas. The pressure to survive became motivation. In the labor competition, with the theme of survival and development, we have continuously increased our efforts. On the basis of fully tapping the potential in all aspects, based on the actual situation and from the height of rapid development, the director of the sales office and I objectively analyzed the situation Regarding the gap between the incremental share of deposits and other banks, detailed work plans and programs were formulated under the guidance of the accounting supervisor, and the working ideas of big development, big market, and big marketing established by the bank's party branch were effectively followed. Collect and distribute employee buyout funds on behalf of employees, regain the lost position of salary agency, find breakthrough points at the source of group enterprise wages and come to Yan investors, and consolidate and expand the customer base of the business office. As the main accounting body of the bank, the business office is the hub of all the bank's work and the center of the bank's accounting. To improve the accounting management level and accounting quality of our bank, we must start from the basic accounting work in the business office. In accordance with the requirements of the internal control system, through careful analysis of different positions and different business types in the business office, the job responsibilities were re-formulated and refined, the job rotation system was adjusted, the operating procedures were stricted, and cash box cash management methods and cash management methods were formulated. A series of management regulations including container document management methods, securities business management methods, voucher sorting and binding methods, and accounting error assessment methods. Specify a designated person to conduct real-time monitoring of cash in the cash box, documents, key accounting subjects and accounts to ensure that problems are discovered and resolved in a timely manner. At the same time, by formulating a secondary allocation method, the performance salary of business office personnel is combined with business volume, deposit task completion, accounting quality, service quality, labor discipline, etc., breaking the distribution of small pots and small averages, and promoting various The completion of the task objectives and the improvement of service quality and accounting quality.

In addition, I personally actively participated in the upsurge of attracting and increasing deposits. I talked about deposits in class and ran deposits after class. I used my own actions to inspire and guide the front desk tellers to improve their deposit awareness and indicator awareness. And I and my comrades summarized the experience of attracting new customers with services and stabilizing old customers with emotions. In August, an elderly customer who deposited 1,000 US dollars in the business office in 200x forgot his password. I came to him 4 times to handle the loss report and release procedures. , the customer was so moved that he transferred all kinds of deposits from other banks to the business office. In order to improve the professional quality of ourselves and the business office staff and ensure the quality of our bank's accounting, we have developed a detailed training plan and document circulation learning system, and use our spare time to organize business office staff to conduct accounting business, accounting regulations and professional ethics education. In addition, I also actively participated in unified business training organized by the industry. During the study, I paid attention to practical results and did not go through the motions, so that my business knowledge became more comprehensive and my business operations became more proficient and standardized.

2. Lead by example, work hard to learn internal control systems, and improve work efficiency.

In 200x, under the requirements and guidance of the president in charge and the accounting supervisor, I and the business office director strictly followed the requirements of the internal control system to study the position setting and labor combination forms for different business volumes and types of business, and re- The responsibilities of accounting positions have been formulated and detailed, the operating procedures have been strictly enforced, and corresponding responsibilities have been determined based on the business authority of different business personnel.

At the same time, based on the requirements of the superior bank and the actual situation of each branch of our bank, this year we have participated in the formulation of cash box cash management methods, cash box document management methods, securities business management methods, voucher binding management methods, accounting error assessment methods, etc. A series of rules and regulations further standardize the accounting affairs of each outlet, making our bank's accounting procedures more stringent and business handling procedures safer and more scientific, achieving mutual constraints and clear responsibilities. Internal controls have been strengthened and work efficiency improved. In daily work, through active observation and summary, if problems and unreasonable aspects in business operations are discovered, they can be reported to the director and supervisor in a timely manner, and timely reminders can be given to tellers and outlets, which serves as a warning and suggestion.

3. Strive to improve your own service and professional quality.

High-quality and civilized services are an eternal topic in the financial industry, but how to implement the actions and completely change the social image of our bank has really taken all the staff in the business office and put a lot of thought into it. The first is to position ourselves correctly, win customers through service, absorb deposits from customers, and keep jobs through deposits. We have eliminated ideological laxities and deficiencies, completely updated our concepts, taken customer satisfaction as the standard, consciously regulated our own behavior, and conscientiously implemented our bank's various service measures. The second is to use business technology and proficiency as a measure of service level, practice basic skills, speed up business processing, avoid mistakes, and grasp quality. Although our business office does its best to provide services, due to various factors, the service quality of the business office is still unsatisfactory. The third is to strive to learn new business knowledge, vigorously expand the business areas of the business office, and create a good development environment. For me, I try my best to provide three services. The first is to serve customers well. Since my main task is to be in charge of the front desk, the tellers introduce business and customers that are difficult to handle to me almost every day. Based on the awareness that customers are God, I can satisfactorily satisfy customers every time. When I came back, there were some difficult things to deal with, but I always came to the door with gifts. In the end, all I saw were satisfied customers' smiling faces. In this way, some customers have even made friends with me and become loyal customers of CCB. The second is to provide good service to the tellers in my business office. No matter if there are problems with the teller's business or equipment, I can take the initiative to solve them. If the teller is not feeling well or has family problems, I can take the initiative to care and help. The third is to provide good services to each branch. Because the business office is the central hub of the whole bank's business, I have more frequent business contacts with each branch. No matter when the branch comes to me due to equipment problems or business problems at work, I can actively help them. Contact them or come to them in person to try to help them solve the problem.

Part 5: Bank Personal Work Appraisal

It has been a year since I started working. During this period, under the guidance and training of leaders at all levels, With the care and help of my colleagues, I have achieved certain results in all aspects of thinking, work, and study, and my overall personal quality has also been improved to a certain extent. Bank employees' personal work self-assessment.

During my internship, I have always been strict with myself, abide by the bank's rules and regulations, perform my job duties with all my heart, and complete every task in a serious and timely manner.

I took the insurance agent qualification examination and the People's Bank of China's anti-counterfeit currency position qualification examination, and obtained the insurance agent qualification certificate and anti-counterfeiting certificate. In normal times, I worked hard at counting money and typing Chinese characters. Learn basic skills such as turning over subpoenas and subpoenas with an open mind, be diligent in asking questions, and take notes carefully.

I started as an ordinary teller, worked hard to learn operational skills, expanded business knowledge, and constantly accumulated work experience. From the first day when I officially went to the counter, I followed the instructions and was cautious, and now I am able to I am skilled in handling and handling customers calmly. Every day I strive to be better than the day before.

As an employee in the window industry, I know the importance of dedicated service. Adhering to the customer-centered concept, I insist on providing convenient, fast and accurate services to every customer, and customers Every thank you from me is motivation for me to continue working hard.

In this year, I started from the position of ordinary teller, and now I have basically mastered the operations and knowledge of senior teller. I am currently taking over the job of corporate review.

I think this is not only the leadership's recognition of my work results this year, but also a recognition of myself. In the days to come, I will continue to hone myself and meet new challenges with a full spirit.