Work plan and measures of standard bank in 2022 1
20__, the deposits of major banks and financial institutions in the city basically increased in the first quarter, while the deposits of our bank decreased in the same period. Facing the increasingly fierce competition for deposits, it is the most urgent prerequisite to formulate a perfect and effective deposit marketing strategy! A good marketing plan will become an effective means to expand the market and extend the brand.
I. Guiding ideology
Adhere to the theme of accelerating the development of deposits. Seize the opportunity, adapt to market demand, increase deposit marketing efforts and expand the bank's deposit market share.
Second, organize and lead.
A leading group of _ _ Sub-branch's "100-day Deposit Competition" was established, with President Wang _ _ as the leader, Vice President _ _ as the deputy leader, Vice President _ _ and the office and marketing department _ _ as members. There is an office under the office of the leading group, which is responsible for the organization, liaison, coordination, supervision, scheduling and evaluation of the marketing system construction of the "100-day Deposit Competition".
Three. Current deposit status
The structural characteristics of the bank's deposits (including but not limited to: the basic structure of deposits, such as corporate deposits, savings and fixed-income ratio; High-end customers; Derivative deposits of major lenders, etc. ).
Fourth, the main problems of deposit decline
Judging from the overall structure of deposits in _ _ sub-branch, the sharp fluctuation of demand deposits is one of the key points for the unstable growth of deposits in _ _ _, while the exhaustion of savings deposits and excessive dependence on a single account are one of the main reasons for the sustained and stable growth of deposits in _ _ sub-branch.
stabilizing factor
(1) Due to the influence of social and economic operation laws, various financial institutions will deposit a large number of volatile deposits and quasi-volatile deposits in a short period of time at the beginning of each year. However, this kind of deposit has high liquidity, low average occupation days and poor stability. Under the premise of no new and considerable new sources of deposits, it is necessary to invest more energy and go through a longer repair process to make up for the huge capital vacancy left by this part of deposits. This is one of the main reasons for the decline of deposits in _ _ branch.
(2) The fluctuation of individual customer deposits greatly affects the stability of deposit funds in _ _ sub-branch, which is difficult to make up in the short term.
(3) Residents' consumption demand increases and their saving psychology weakens. The growth of new customers and the maintenance of old customers need to constantly improve services, and only by providing suitable financial products can we keep up. In addition, the fierce competition among financial institutions has also increased the difficulty for sub-branches to carry out deposit work in the first quarter.
(4) The number of new deposit accounts is large and the quality is poor. Some accounts are inefficient for long-term use after opening. Due to the weak growth of the deposit balance in the new account, they can't promote it, which undoubtedly wastes the manpower and material costs invested in the early stage. It is also one of the reasons why deposits in _ _ sub-branches cannot be restored naturally.
(2) Financial policy and residents' psychological factors: Commercial banks are local banks. Compared with state-owned commercial banks, they are not on the same starting line in terms of operating environment, hardware and equipment, product technology content, network coverage, service means and service content. Compared with state-owned commercial banks, they have strong technical means, strong financial strength, solid state-owned system backing, and excellent credit accumulated in the eyes of the public for decades. It is a goal that the firm cannot achieve in the short term. In addition, for many years, the publicity of national policies has been mainly based on the publicity reports of large and medium-sized state-owned financial institutions. These objective factors invisibly affect the deposit organization of commercial banks. As a result, some enterprises and residents prefer state-owned commercial banks in the choice and cognition of financial institutions. Therefore, this has great restrictions and constraints on the ability and scope of absorbing public deposits.
Verb (abbreviation of verb) market strategy
(1) Optimize the deposit structure: On the one hand, strive to improve the stability of deposits, increase the part of fixed deposits, find and absorb new deposit customers, and strengthen the ability of self-renewal and self-replenishment of deposits on the premise of ensuring a fixed total amount of deposits. Second, optimize the quality of deposits and establish a credit customer base. The use of funds will focus on enterprises with good advantages and provide them with supporting services, so that the business of these customers will not be completely lost. (Specific quantitative indicators,)
(2) Improve the service content and optimize the service means: on the one hand, pay attention to the cultivation of high-quality customers, on the one hand, collect information from the counter and tap high-quality customer groups, on the other hand, we can't simply treat the credit account manager as a marketer to attract deposits, because it is impossible for the credit account manager to carefully safeguard all customers' deposits after carrying out small business marketing. Every three account managers in small enterprises should assign special personnel to market deposits, intermediary business and wealth management products. For this kind of personnel, we should choose marketers with stronger business ability, expressive ability and professional quality to do this work. On the one hand, credit customers are tracked and maintained for a long time through the information provided by the credit market department, on the other hand, large depositors are maintained for a long time through the customer information provided by branches. Set out to establish an electronic version of high-quality customer information file, track customers at any time, subdivide high-quality customer groups through the comparison and screening of high-quality customer information, implement differentiated services at different levels, and do a good job in the follow-up maintenance and development of the deposit. Cultivate customers' trust and loyalty to the firm and actively develop new high-quality customer groups on the basis of stabilizing existing high-quality customers; On the other hand, efforts should be made to improve counter services, allocate lobby managers, and all employees of secondary branches should define their own positions and do their best in the existing deposit business. In the current fierce competition in the financial industry, we need to highlight the characteristics of quality service and fully tap our own advantages and highlights.
Marketing measures of intransitive verbs
In order to completely reverse the bad situation of large fluctuation of savings deposits, we should establish a number of work measures centered on deposits as soon as possible, dig deep into the target market, and carry out the service of winning deposits by competition, digging deposits by wealth management products, settling deposits and attracting deposits by wages to stabilize deposits.
(1) Launch a saving contest to win deposits: formulate strong incentive measures, establish a sense of "playing chess" in which collective and individual goals and interests are unified, and strive to win deposits in the whole bank.
(2) Digging deposits with wealth management products: Seize the advantages of wealth management products, such as high income, long issuance period and quick withdrawal of funds, concentrate on digging customers from other banks, always pay attention to the expiration time of a large number of issued trust wealth management products, organize personnel to follow up with large savings customers by telephone, make "zero distance" contact with customers, and smoothly transfer all trust wealth management products and deposits due from large customers. Organize personnel to know the large amount of deposit funds on the books of corporate deposit customers in time, do a good job in financial management of deposits that customers temporarily don't use, prompt them to change into 7-day notice deposits or time deposits, and do a good job in marketing expansion of other businesses to promote the rapid sales of wealth management products such as insurance, funds and gold, and promote the steady growth of savings deposits.
(3) Settlement of deposits: actively analyze the capital operation of existing customers, make good use of the online banking transfer function, realize the transfer of funds between the payer and the payee, and ensure the circulation of funds within the branch and the stability of savings deposits.
(4) Paying wages to absorb deposits: firstly, taking the borrowing enterprise as a breakthrough, handling the business of paying wages; Then, by contacting the industrial and commercial bureaus in _ _ _ _, Xincheng District and _ _ _ _, taking all enterprises in the district as the breakthrough point, the secondary branch cooperated with the marketing department and the comprehensive business department to actively implement the "package" financial services and promote the coordinated and rapid development of deposit, wealth management, e-banking and other businesses.
Seven, marketing means and methods
(1) Implementing the marketing environment: implementing the marketing measures to the heads of secondary branches and marketing departments, requiring the heads to attach great importance to it, mobilizing the enthusiasm of all employees in deposit marketing, and establishing the concept of "grasping deposits means grasping benefits, and improving self-sufficiency of funds means improving asset creation ability" throughout the bank. Secondly, a mobilization meeting of "Everyone Grasps Deposits" will be held in the whole bank, and all employees will be organized to seriously study the marketing activity plan and unify their thinking around the task objectives, so that everyone can firmly establish the consciousness of serving customers and accelerating development from the overall and long-term perspective. From the marketing environment, we should implement the belief that "unity inspires vitality, unity inspires wisdom, unity inspires fighting spirit and unity creates miracles".
(2) Implementing marketing personnel: Require window service personnel to become the main force of total deposit expansion. On the basis of classifying and queuing the outstanding customers in reality and potential, we should lock in the target customers, grasp the key points of marketing, and carry out high-end marketing and family marketing. Secondly, it is necessary to strengthen the comprehensive marketing of deposits and loans in the marketing department, strengthen the marketing measures of promoting deposits with loans, ensure the circulation of customers' funds in banks, and reduce the influence of real loans and real payments.
(3) Formulate assessment methods and establish incentive mechanism, so that the goal of deposit marketing is clear, and the responsibility is implemented to people. The growth of deposit tasks is linked to the performance pay of all employees and marketing personnel of secondary banks. And implement the task decomposition of the secondary bank and marketing department to each employee, and timely issue deposit marketing notices to encourage the advanced and urge the backward. Every ten days, the comprehensive business department will evaluate the effect of this activity, such as how the planning scheme of the activity is implemented, whether the activity has achieved the expected purpose, and how the customers specifically reflect the activity.
Work Plan and Measures II of Standard Bank in 2022
First, adapt to the new situation and the requirements of joint-stock banks, truly learn to seek effective development on the basis of strict risk control, and never repeat the previous extensive development. After several years of ideological preparation, organizational preparation and system preparation, it is to truly realize the long-term development in the future. We should learn to adapt, control and use this new system and guard against risks, instead of trying to break through this system. Therefore, in the second half of the year, we should seek effective development and learn to go public under strict risk control. Under the current macro-control situation, many large enterprises have some difficulties. Let's take a good look at the enterprises and choose the right time to intervene, and there will be marketing opportunities. In marketing, we should break through the old credit culture, learn to grasp customers, grasp settlement, grasp product marketing and learn to manage customers. Strive for intermediary business income by catching customers, rather than simply credit. Under the current development concept, we should pay attention to several issues:
First, we will continue to implement the loan approval system and scale management, and recover one piece and one piece to ensure new investment demand. The key is to judge whether a high-quality customer can stand the risk system assessment. The NPL ratio of pure new loans this year should be controlled below 0.3%. It is necessary to strengthen the management of loan scale and ensure that the new loan scale is put into key industries, key customers, key products, key regions and projects approved by the Head Office and provincial branches. We should pay attention to business strategy, have a big picture, focus on key projects, actively do a good job in marketing reserves, and do a good job in settlement and intermediary business.
The second is to intensify structural adjustment and optimize the quality of credit assets. While maintaining high-quality customers such as telecommunications, electric power, transportation and petroleum, we will focus on high-quality customers in growth industries such as education, ports and electronics and industries that meet the requirements of national industrial policies. It is necessary to timely and reasonably control the loans of overheated industries such as steel, cement, real estate and automobiles, and seize the opportunity to withdraw from some overheated industries in an orderly manner. It is necessary to strengthen marketing and expand multinational companies and export-oriented enterprises.
Third, intensify efforts to collect and reduce the stock of non-performing loans, and gradually withdraw from industries and customers with poor operating efficiency, too small scale and no development potential.
Fourth, fully understand the urgency of the current corporate deposit work situation and vigorously promote corporate deposit work. The provincial branch set up a working group on corporate deposits. Under the leadership of the working group, the business system of the company should carefully analyze the deposit situation of enterprises and study and formulate practical measures. I hope to minimize the number of "crossing the road" and don't have water figures.
Fifth, consolidate the basic management and risk control capabilities of personal loan business, make every effort to reduce the stock of non-performing loans in personal loans, and accelerate product innovation and business innovation. After implementing the strategy of "corporate business moving up and personal business sinking", personal banking and intermediary business will become important sources of income and profits of outlets. After the personal loan system and mechanism are straightened out, personal consumption loans and personal housing loans should really get an effective share.
Two. On the basis of the adjustment results of internal management risk control system, we will continue to refine and deepen basic management, improve risk prevention measures, improve basic management level and improve risk control ability. In the second half of the year, we will continue to strengthen basic and detailed management, fundamentally improve risk prevention capabilities and promote sustainable business development.
1. The risk prevention work should always be unremitting, and a long-term mechanism to ensure the quality of assets should be established. First, continue to push forward the risk management platform project to ensure the quality and progress of related work: complete the preparation and review of system documents before the end of July; In August, the system entered the trial operation stage; Complete the project promotion during the year. Risk management platform project is the focus of strengthening management, and the workload and tasks are relatively large, so all branches should attach great importance to it. Second, improve the dynamic management mechanism of new business management right, introduce product risk rating system, improve risk control policy and product structure adjustment policy, introduce economic capital constraint theory and risk-return matching principle, and adjust the product structure and pricing policy of the Bank. Third, improve the internal control evaluation and authorization system according to the new authorization method of the Head Office, and adjust and optimize the credit regional structure and customer structure according to the economic development of various regions and the management level of various institutions. Fourth, strengthen loan access management, improve loan approval mechanism, establish approver evaluation system, strictly authorize management and strictly control the quality of new loans. Fifth, we should strictly intensify the identification and investigation of non-performing loans, resolutely crack down on unethical behavior, and establish a correct concept of occupation, risk and a good credit culture.
2. Do a good job in the "conference war" after the divestiture of suspicious loans. At present, according to the relevant policies of preferential divestiture of suspicious loans listed by the Head Office, the Bank gives priority to divestiture of suspicious loans with poor asset quality within the scope of the policies, thus minimizing the historical burden and financial burden of provincial branches. Despite the divestiture of non-performing assets, our non-performing rate is still very high, especially in the credit card business. In the second half of the year, we should adjust the focus and focus of the meeting accordingly, thoroughly study the problem of non-performing stocks, dispose of them and write them off as soon as possible, prevent risks and improve asset quality.
The third is to further promote the work of "Safe Operation Year". This year, it is proposed to achieve safe operation, involving rectification, institutional reform and other aspects of work. Continue to implement the promotion in the second half of the year, and we must ensure safe operation.
Four, actively cooperate with the head office to do a good job of restructuring. It is necessary to implement the organizational promotion of financial restructuring, accounting treatment after divestiture, institutional merger, financial planning, etc. After the announcement period, we should seize the time to complete the plan of institutional withdrawal and merger and adjust the direction of structural optimization. To this end, all branches should strengthen organizational construction and clarify their responsibilities for work arrangement in accordance with the requirements of the Head Office. All tier-two branches should implement the responsibility system of top leaders, start with key links, and formulate multi-level emergency plans, especially considering emergency measures in the most complicated situations; Leaders at all levels should implement the system of taking turns on duty, and shall not leave their posts without the approval of the leading group. At the same time, it is necessary to ensure the smooth emergency mechanism and information channels, and establish a strict work inspection and accountability system.
During the announcement of division, all branches should pay close attention to: capital reserve and cash supply, security prevention and case investigation of mass incidents, operation of electronic products and systems, and local media reports, and strictly abide by the discipline of answering questions. At this sensitive stage, we must make sure that nothing is lost, we cannot relax, and we cannot have serious problems.
Five, continue to promote the "employee training year". We should do a good job in the training of cadres and workers, further improve the management level and quality of the team, especially strengthen the training and guidance for the heads of grassroots outlets, so that they can quickly change their concepts and realize the healthy development of various businesses.
Sixth, do a good job in DCC online preparation. First, do a good job in business testing; Second, pay attention to the training of network employees; The third is to formulate a thorough and complete emergency plan.
Seven, cooperate with the banking regulatory bureau to do three inspections, timely implementation of rectification. The Banking Regulatory Bureau plans to enter our bank in July to carry out three major inspections: bills, new loan quality and internal control. In the past year, we have been paying close attention to internal control. In fact, the inspection is also a comprehensive inspection. The specific inspected unit of bill inspection must be implemented and notified to the person. The inspected unit should be cleaned up first, and the bill center should arrange it quickly to correct the problem in time. In addition, the problems found in the audit should be rectified, adjusted and solved.
Eight, pay attention to the ideological work of employees after the announcement of resignation. After the announcement of the separation of share reform, the outside world was basically calm, which did not affect the interests of customers and the market reaction was not great. However, our internal staff have some ideological concerns. It is hoped that the presidents of branches and department bosses will pay close attention to the negative emotional signs of employees. Some people may be extremely anxious, some people may not understand, some people accept the wrong signal, and everything will happen. For example, veteran cadres may not be very clear about the relationship between "group" and "stock". Generally speaking, we should give everyone confidence and make it clear that in the process of share reform, it will definitely be different from the existing interest pattern, but it will only get better and better. Personnel issues will not change much.
Nine, do a good job of cross-year strategic work arrangements. I have been paying attention to the issue of strategic delivery for the past two years. Some banks have carried out network transformation and some banks have carried out new business expansion. As the president of a secondary branch, you should have a strategic vision. Although some problems in the assessment system will have an impact on the current period, we feel some pressure, but we must make strategic delivery across the year. The term of office of a unit or department leader is always limited. It is impossible to work in any position and anywhere for a lifetime, and the property is not personal. And a qualified bank leading cadre has mastered such a large amount of resources, and his basic professionalism, professional ethics and basic values are all reflected in his strategic vision. In banking, we can't be hungry like farmers, eat and sell the millet first, and don't even leave the grain until next year. As a bank, we can't make ends meet. This is a quality problem! The problem of strategic delivery must not be ignored, and more consideration should be given to cross-year financial arrangements rather than giving up.
Work Plan and Measures of Standard Bank in 2022 3
First, take the initiative to learn and improve your skills.
As an account manager who has been employed for one year, his working hours are not long and he has no cabinet experience, which is really a shortcoming in his work. Their own skills, marketing ability and experience have a certain distance from the performance of the account manager. Therefore, in the second half of the year, we should continue to strengthen our study, improve our personal quality, strive to improve our business skills and strengthen our awareness of risk management. Constantly sum up, learn and accumulate, and strive to calmly deal with various problems in daily work.
Second, maintain customers and expand the market.
Actively contact customers, care about customer needs, and introduce our new business products to customers in time. For the upstream and downstream enterprises of existing customers, it is necessary to dig deep and carefully and carry out marketing work for all links of the customer trade chain. We should actively and frequently keep in touch with customers, discover their needs, guide their needs, give them timely satisfaction, and provide customers with "one-stop" service. For existing customers, we should keep regular contact, and for potential customers, we should actively develop. The main purpose of development is to market products and strive to achieve "win-win".
First of all, based on the principle of "win-win between banks and enterprises", we should calculate the input-output accounts of banks, calculate the accounts for customers and design the most suitable financial product portfolio for customers;
Secondly, subdivide customers, establish target markets and potential customers, and conduct all-round analysis and evaluation of customers. Keep in touch with customers at all times and mobilize customer resources, use effective communication means and communication strategies to keep in touch with customers, and conduct fruitful visits and observations on customers.
Third, in the interaction with customers, we should actively promote bank products. Be good at discovering customers' business needs, and actively suggest and recommend applicable products to customers. Report to relevant departments in time if necessary, and actively explore the possibility of developing special products for them. Fourth, strengthen risk management and effectively monitor customer risks. Pay close attention to the changes in all aspects of customer production, operation and management and the flow of large amounts of funds. No matter what problems occur, they should be considered in connection with asset safety and measures should be taken in time.
Third, divergent thinking and innovation.
With the reform of China's economic system and financial system, the trend of customers choosing banks has been formed, and the competition among banks is becoming increasingly fierce. In business development, how to serve big customers well plays a decisive role in our business development. In the second half of the year, we should always pay attention to market research and market dynamics. Studying the market is to analyze the marketing environment, study customers under the premise of grasping the objective environment, so as to understand the operation law of customers' funds, try to track customers' downstream funds to banks, realize the "monopoly control" of funds from the source, realize the internal circulation of funds and consolidate the financial strength of banks.
Work Plan and Measures of Standard Bank in 2022 4
First, strengthen business training and improve the quality of the team.
In the new year, we will strengthen the construction of account managers from the perspective of "giving priority to internal control and strengthening system implementation". 20__, focusing on training front-line credit personnel. In the first quarter, we carried out legal popularization training focusing on financial laws and regulations, various systems, business philosophy, standardized operating procedures and credit business requirements, and trained a group of employees with excellent political skills, high professional quality and ability to adapt to the pace of reform in a relatively short period of time. Organize regular study of financial policies and the spirit of higher-level documents, strive to improve political awareness and professional quality, and enhance the consciousness of operating according to law. At the same time, special training will be given to new businesses such as five-level loan classification.
Two, strengthen credit management, standardize business operations, improve the quality of credit assets.
In ensuring the quality of new loans, first, strengthen the management of the loan authority of various institutions and credit personnel, and prohibit them from issuing loans beyond their authority. The second is to increase the investigation and punishment of illegal loans such as cross-regional loans, renren loans and large loans. If they are found together, they will be punished together. Third, seriously carry out pre-loan investigation, accurately predict the borrower's income, and ensure that the loan is recovered on schedule. The fourth is to strictly implement the large loan management system. Fifth, strictly examine the loan approval, whether the loan investment is legal, whether the term is reasonable, whether the interest rate is correct, whether the first responsible person is clear, whether the collateral is true and legal, whether the guarantor has the guarantee strength and whether the loan file is complete. Through the above measures, the quality of credit assets will be improved year by year. Sixth, carry out the unified mode, standardization and standardized management of credit files in an all-round way, implement the filing of counters and special custody, and establish a call registration system to ensure the integrity of files. When personnel are transferred or changed, the loan files should be handed over, and the surrender, recipient and supervisor should jointly sign the transfer list to promote the credit file management upgrade of the credit cooperatives under their jurisdiction.
Third, increase the marketing of new financial products.
In recent years, our agency has intensified the innovation of credit products, the variety of loans has been increasing, and the level of credit services has been significantly improved. However, there are still some shortcomings in the determination of loan repayment method and loan term. For this reason, the Provincial Association issued the Interim Measures for Repayment by Installment of Rural Credit Cooperatives in Shandong Province on June 20 _+065438+1October 4. In order to meet the different needs of loan customers, ease the pressure of centralized repayment, further improve the level of credit management and prevent credit risks, the business department of the company will introduce loan repayment by installments in credit management in 20__ _ _, improve the functional requirements of credit services, and prevent some customers from occupying credit funds for a long time, and the risks will continue to accumulate and be exposed lagging behind, which will increase the consequences of credit risks.
Four, increase the implementation of credit rules and regulations.
First of all, we should implement the "three inspections" system and conduct quality training for bank employees, so that every work plan can be done on the basis of details and in accordance with the correct thinking. Adhere to the prevention of loan risks first. After the loan is issued, every loan must be carefully investigated, reviewed and inspected in accordance with the contents, requirements and procedures of the "three inspections", and the "three inspections" record book should be filled in for strict assessment. The loan submitted to the credit union for approval must have the investigation report of the credit personnel and the minutes of the meeting of the credit union, and must be reviewed for substitution.
Secondly, it is necessary to implement the system of separation of examination and loan, and implement the management system of separation of examination and loan and grading examination and approval for loan issuance. Loans from grass-roots credit cooperatives must be approved by the collective meeting of the loan review group, and large loans should be reported to the credit review Committee for approval. It also stipulates that every loan issued by grass-roots credit cooperatives, regardless of the amount, must be reviewed, registered and signed by the director in charge, and loan officers must be resolutely put an end to "single-handedly" lending. Third, it is necessary to increase the punishment for violations of discipline and discipline, severely punish those who violate discipline and discipline, and give administrative penalties such as on-the-job collection and laid-off collection to those responsible for non-performing loans due to violations of discipline and discipline. If the circumstances are serious, the responsible person shall bear the liability for loan compensation.
Five, clear credit priorities, and constantly optimize the credit structure.
In 20__ _, our department will make clear the investment of credit according to the principle of "classified guidance and differentiated treatment". First, increase the proportion of mortgage loans and reduce risky assets. When issuing loans, urban cooperatives should handle more mortgage loans and less secured loans, so as to optimize the credit structure, reduce risky assets, vigorously issue real estate mortgage loans and increase the proportion of mortgage loans. It is necessary to rationally adjust the loan guarantee method. For new loans for urban residents and self-employed, it is necessary to apply for store mortgage loans and personal housing mortgage loans within a limited scope. In principle, urban cooperatives do not apply for joint guarantee loans, and resolutely put an end to large loans and top loans. The second is to increase support for leading agricultural enterprises, characteristic agricultural products bases and guarantee companies to guarantee loans. Actively support the development of small and medium-sized enterprises, especially industries and projects with clear property rights, high reputation, in line with national industrial policies and promising development prospects.
Six, continue to do a good job of five-level classification, to ensure accurate classification results.
Since 20__ years, our agency has carried out the risk classification of credit assets in an all-round way, and basically achieved the effects of scientifically measuring risks, finding out the risk base and strengthening credit management. However, there are still some problems in practical work: first, the ideological understanding is not in place, and the importance and arduousness of risk classification are not well understood; Second, the quality of personnel does not match, which is far from the accurate use of risk classification methods to identify and prevent credit risks; Third, the basic work of risk classification is not solid, the risk classification system is not perfect, and the classification procedures and identification institutions are not standardized; Fourth, the risk management ability is not strong, and it is impossible to closely combine the different risk categories and characteristics of credit assets and take targeted and strengthened management measures. In view of the above problems, in 20 years, our department will further strengthen the concept of risk management, improve the working mechanism and measures, and regard risk classification as an important work to strengthen credit management and improve the long-term mechanism of risk prevention, and achieve good results.
Work Plan and Measures of Standard Bank in 2022 5
First, work attitude.
In view of my unstable work attitude, I intend to keep my work attitude at a level of peace and progress in this year's work, so that my mood will not be affected by the actual work situation because of being too positive or too negative, further dampening my work enthusiasm, peace and progress, and will definitely bring a good state to my work this year!
Second, the teller business
In 20__ years, my achievements in teller business were not bad, but when I made this year's plan, I felt it was not enough. I have to pay more attention to optimizing my teller service, so that my teller business can develop by leaps and bounds, and my teller business can also be affirmed by customers who come to our bank for savings. In this regard, I intend to actively participate in the training of our bank and learn how to expand business and complete services.
Third, the banking system.
With regard to the banking system, I thought what I did was ok, but in this year's work, I can implement it more seriously, and even hope that I can help our bank improve the banking system in my work. Fiona Fang cannot live without rules. I believe that as long as the system is more and more perfect and humanized, our work in the bank will become more and more comfortable. Having a comfortable state at work is better than any chicken soup medicine!
Fourth, interpersonal relationships.
Regarding the interpersonal relationship in our bank, I think we should work hard this year. Because of introversion, I don't like dealing with colleagues very much. There is no problem dealing with customers, but I am still a little embarrassed to let my colleagues exchange things about work or life. I try to overcome this in my work this year and make myself less shy. I believe that having a positive and good communication atmosphere at work can make the work better and make people feel more comfortable at work.
Articles on Work Plans and Measures of Standard Bank in 2022;
★ Work plan of the whole bank for the new year in 2022
★ Template of the Bank's Annual Work Plan for 2022
★ 202 1 bank work plan
★ 202 1 bank work plan
★ Our personal work plan for 20021year
★ Our 202 1 Personal Work Plan
★ Work Plan of the Bank for the Second Half of the Year 202 1
★ Selected model essays on banking work plan in 2020
★ Work plan for outstanding bank employees in 2020
★ Five selected model essays on personal work plan of bank employees in 2020.