Summary 1 Credit Card Work Under the correct leadership of the Party Committee of the Municipal Branch, we will conscientiously implement the spirit of the credit card work conference of the provincial branch and the annual work conference of the Municipal Branch, closely focusing on the assessment indicators and? Steady development, deep transformation and strong management? Work direction, vigorously expand the market, strictly prevent and control risks, with the assistance of relevant departments, through the joint efforts of all employees, achieved initial results. Summarized as follows:
I. Basic information
The operation of credit card business is basically stable, the market expansion has achieved initial results, the business scale has stopped falling and rebounded, and the internal control level has been further improved. As of September 30th, 285 19 cards have been issued, of which XX cards are valid, increasing by 1853 cards and 9564 cards respectively compared with the beginning of the year. The number of customers reached 18030, of which the number of active customers was 12837, increasing by 1287 and 6564 respectively compared with the beginning of the year; Accumulated expansion of special merchants 1048, including 529 effective merchants, an increase of 220 and 1 18 respectively compared with the beginning of the year; The loan balance was 83.72 million yuan, including 3.46 million yuan of non-performing loans, which decreased by 98.86 million yuan and-530,000 yuan respectively compared with the beginning of the year, and increased by 1 1 10,000 yuan and-250,000 yuan respectively compared with the end of June. The NPL ratio was 4 1, up 3.5 percentage points from the beginning of June.
Second, the work characteristics
(1) Strengthen basic management and promote compliance development.
Since the beginning of this year, credit card business management has been further strengthened. According to the central and local regulatory policies and requirements, strictly implement internal rules and regulations and develop credit card business in compliance.
1, file management is further standardized. This year, a special person was appointed to manage the credit card business files, and the post responsibilities of file management were clarified. The file management post shall check the compliance and file it. The newly formed archives this year have been bound and filed on time, and the archives over the years have been cleared and bound and filed. All the application materials for music cards over the years are bound into volumes and filed for safekeeping. Since September 1 year, the account of the person in charge of the card-issuing link has been established. A file register has been established, and relevant systems for consulting, borrowing and copying files have been strictly implemented.
2. Further standardize customer access. In order to control the credit risk from the source, this year, the customer access standards were further tightened, and special merchants were issued and expanded in strict accordance with work opinions and special meeting requirements. It is clear that the card issuing targets are mainly the staff of administrative institutions, individual VIP customers of banks and executives of asset corporate customers, and the special merchants are mainly hotels, hotels, tourist attractions, large supermarkets and shops, real estate and automobile sales enterprises, hospitals, schools and administrative charging units. Have you sent it one after another? Twelve prohibitions on credit card business? 、? No cards for all four? , comprehensively regulate customer access.
3. Post constraints are further standardized. According to the requirements of post separation in credit card business, marketing post, acceptance post, investigation post, approval post and collection post are set up, and different personnel are arranged to engage in different posts, and post separation is implemented for approval post and marketing post, approval post and investigation post, and approval post and collection post. Strictly control operational risks.
4. The card issuing process is further optimized. According to the operating rules of * * * credit card issuance business of the Head Office, the card issuance process of the whole bank was optimized, which greatly improved the efficiency of credit card issuance. From customer application to network acceptance, and then direct mail to local branches, reducing the intermediate links of branches. The whole process time of acceptance, entry, investigation, approval and submission of municipal branches has been shortened from the previous average of 30 days to 3 working days. Basically, the front desk is close to the customer, and the backstage centralized card issuing mode.
(2) Strengthen the collection of bad loans to curb the expansion of risks.
Clear the person responsible for the collection of credit card non-performing loans. In that year, new NPLs were collected by responsibility, and existing NPLs were collected by various means, such as telephone collection, letter collection, door-to-door collection and legal collection (including investigation team and court). As of September 30th, a total of 246 calls were made, 425 registered letters were sent, and 20 people were picked up at home. The accumulated non-performing loans were 968,900 yuan, and the balance of non-performing loans was 3,463,654.38+0,000 yuan, a decrease of 263,500 yuan from last month. The NPL ratio dropped from the highest 5.2 1% to 4. 14%, and the risk of credit card NPL was basically contained.
(3) Strengthen marketing and promote the increase of loans.
On the one hand, increase the expansion of card issuance and special merchants, expand the customer base of card use, and improve the acceptance environment of bank cards; On the other hand, we will intensify preferential sales promotion, actively stimulate cardholders to use cards, and further standardize the behavior of special merchants accepting bank cards. Are you online? XX enjoys unlimited enjoyment? Under the overall framework of marketing, has it been carried out? Open the card politely? 、? First draw? 、? Do you want to shoot the Olympic Games? 、? XX happy trip to Korea, special price? 、? Car staging? 、? Consumption staging? And other activities. As of September 30, the balance of credit card loans was 83.72 million yuan, which was 2,665,438+200,000 yuan higher than that at the beginning of the year, with an increase of 45.3%, excluding the factor of early repayment by large installments in the previous year. The loan balance of installment business is 142 1 10,000 yuan, of which the installment balance of merchants is 2.42 million yuan and the installment balance of consumption is1179 million yuan.
(four) to strengthen professional training, improve the quality of the team.
We carried out comprehensive training on credit card product knowledge, special training on phased business knowledge and optimization training on card issuing business process, and arranged relevant personnel to teach credit card knowledge twice in the training course for new employees. Through training, most employees have mastered the basic knowledge of credit cards, can open their mouths to market credit card products, and their credit card business quality and marketing skills have been further improved.
Third, there are problems.
(A) the pioneering spirit is not enough.
Credit card business is a new business, and it needs pioneering spirit to promote development. However, the pioneering spirit of the whole bank's credit card business marketing is not enough, and it is always passive marketing without active marketing consciousness. Mainly manifested in: First, it is impossible to accurately judge the financial needs of customers. When meeting customers, marketers are used to marketing deposits and loans, lacking sensitivity to customer needs and failing to market credit card products according to customer needs. The second is to market credit card products to complete the task. Sub-branches rarely do credit card marketing from the perspective of business development, but always finish it suddenly when the task is urgent, which makes little contribution to business development and operational efficiency and is difficult to sustain. Third, there is more fear of difficulties. In the face of the task, instead of actively thinking and seeking development, they shirk their negative responses and find many reasons to defend themselves, always saying that credit card business is difficult to do. If this marketing spirit is not completely changed, the business cannot develop continuously, rapidly and effectively.
Insufficient publicity activities.
Although some promotional activities were done in the early stage, the effect was not significant. Because the promotion activities are not targeted enough to stimulate customers, the market influence is small, and the brand effect is not well played, which directly leads to the slow rise of card issuance, consumer loans and income.
(3) The construction of professional teams is not enough.
First, the number of employees is relatively insufficient. Credit card business process involves marketing, acceptance, entry, investigation, review, approval, post-loan management, bad collection, risk analysis and other links (posts), covering the front and back of credit business. Compared with the goal of rapid development and strict risk control, the number of personnel is relatively insufficient. Mainly manifested in the lack of credit card marketing posts and bad collection posts. Second, the quality of employees is not high. Some credit card practitioners are young, have high academic qualifications, lack of professional knowledge and poor learning ability, and cannot adapt to the credit card business. Third, employee stability is insufficient. Credit card business managers have been engaged in professional work for more than three years, and most of them are newly adjusted to credit card business management positions. Incoherent handover between the old and the new greatly increases the training workload and workload.
IV. Work Plan
In order to successfully complete the task and do a good job in the coming year, in the next three months, we will mainly do the following work:
(1) Further implement the guidance.
The Guiding Opinions on Accelerating the Effective Development of Credit Card Business (XX) and the Minutes of Credit Card Business Meeting of Agricultural Bank of China (XX) have been distributed to all branches. It is necessary to implement them one by one according to the requirements of the documents, comprehensively solve the problems of marketing, team building, promotion and publicity, strictly control risks, and strive to promote the effective development of credit card business.
(2) Further strengthen marketing.
Marketing is an eternal theme in our work. Only by constantly grasping marketing can we develop continuously. Marketing is active work, so we should unify the thinking of the whole bank into active marketing. First, do a good job in online marketing. Mobilize network personnel to market credit card business products, focus on individual VIP customers, and strive for per capita marketing 10 households. The second is to do a good job in linkage marketing. The credit card department should cooperate with the company department to market assets company customers and their executives, improve the coverage of special merchants and credit cards, and strive for marketing 1 BMP merchants. The third is to do a good job in issuing official cards.
Summary 2 From xx to XX, I came to the big family of XXXX Collection and Anti-fraud Department. First of all, I learned the relevant knowledge of post-loan collection in our office, as well as the guidance of my pre-job colleagues and the collection training at headquarters. Then officially take up the post and receive a month. During this month, I insisted on learning from excellent colleagues and summing up my work. Tell me I know him.
First of all, the collection ability needs to be greatly improved. We are a direct urging department, not a headquarters electric urging department. If our level remains at the collection level, our department will not be competitive. Another advantage of our company is that it can collect money at home, and all banks and collection companies are collecting money at home. If you can't have extraordinary skills, how can you ensure that you will give priority to recovering losses?
Followed by collection skills, we have been using the title of Judicial Group of Beijing Office of Bank of Communications in collection. First of all, we should learn legal knowledge, including civil litigation process, legal fees, fines, enforcement, payment orders, criminal litigation process, criminal law provisions, criminal punishment consequences and so on. If you can't grasp these basics firmly, your customers will think you are unprofessional, while others will think you are a liar. In the collection, more than 90% of our customers have changed apartments, so how can we grasp the current information of customers? How can I urge many customers like me to find ways to pay back the money? I will continue to study in my future work.
Third, the ideological understanding should be changed, and collection is also a kind of sales. I used to think that the collection was to collect accounts, and whoever came back to complete the task was excellent. Our direct reminder department is also the window department of the bank, and our words and deeds represent the image of the bank. We are not only a collector, but also a customer service.
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