The content of intermediary business of commercial banks is very rich, with dozens or hundreds of varieties, which are generally acceptable.
It can be divided into four categories: ① various guarantees provided by banks, including documentary letter of credit guarantee and bill acceptance guarantee; ② Loan
The commitment business of money or investment can be divided into revocable and irrevocable. Revocable loan limits and transparency.
Expenditure limit; Irrevocable are resale and repurchase agreements and the issuance of commercial paper. ③ Innovative financial instruments, including
Foreign exchange futures business, currency interest rate swap, etc. ; (4) Provide customers with resources such as bank manpower, technical equipment, etc.
Intermediary services, including cash management, economic information consulting business, agency business, etc.
Two, while developing traditional business, increase product marketing innovation.
All loans should be made early and earned early. On the premise of controlling risks, we will strive to expand the loan business. exist
Under the condition of maintaining the existing loan structure, appropriately increase medium and long-term loans and adjust the floating policy of loan interest rate in time.
Improve the comprehensive rate of return on loans;
Vigorously develop debt business, optimize deposit structure and reduce financing costs.
Vigorously develop online banking business. In practice, online enterprise bank is more suitable for group enterprises with large settlement.
Business users and financial centers. Through convenient and efficient online banking, enterprises can save a lot of manual documents and bills.
Time, improve work efficiency, reduce labor and cost, and connect with enterprise financial system, which will be distributed in batches.
Data is input to the client terminal for transmission.
Increase the marketing innovation of products, introduce products that are popular in the market every year, and increase the frequency of customers using new products.
Rate. The whole bank establishes the overall marketing concept and issues marketing tasks to account managers. Account managers should conduct marketing without a loan account.
Taking this as a breakthrough, we will take various measures to compete for corporate deposit business. Marketing to customers must first have a comprehensive design.
Case, but also to analyze the market information collected by relevant departments, but also to coordinate the marketing measures of various departments, the implementation of marketing staff.
Section, form a complete marketing process, so as to achieve the desired effect; Secondly, we should adopt a developmental vision and a scientific attitude.
Attitude, dialectical method to predict the pros and cons of customers.
Third, rationally allocate interbank funds and improve the contribution of capital income.
In view of national macro-control, tight monetary policy and shrinking loan market, we should strengthen the research on capital market.
Investigation, timely adjustment of asset structure, reasonable control of funds, and seek a reasonable match between asset liquidity and profitability. one
Is to strengthen the forecast analysis, timely adjust the interest rate of funds and interbank lending rates in the system, implement the position forecast system, and increase
Short-term funds are allocated by provincial banks. The second is to reasonably match the deposit structure and increase one-year deposits. The third is to reduce
Less interest-free capital occupation, increase cash management, and verify the inventory limit according to the time period. The fourth is to accelerate funds.
Transfer, and strive to achieve overnight idle funds. The fifth is to formulate a scientific and reasonable internal fund transfer price to promote
Reasonable flow of funds in the industry, strengthen the awareness of cost accounting of operators at all levels, and improve the operation efficiency of interbank funds.
Rate.
Fourth, adhere to efficiency management and establish a new management model.
Establish the concept of benefit management in an all-round way, advocate that development is benefit development and development is high-quality development. push with might and main
The Bank conducts accounting by products, customers, departments and outlets, and conducts multi-angle and all-round business operations throughout the Bank.
Timely monitor and analyze the harmful factors affecting business development, and then formulate scientific control measures for intervention and control.
Management is to turn harmful differences into beneficial differences and ensure that the operation of the whole bank runs in the direction determined by the budget.
The basic connotation of accounting management. Carry out in-depth cost reduction and efficiency improvement, and rationally allocate resources. Human resources, organizational resources
Streamline the supply of goods, outlets and institutions, and implement the direct mode or flat mode. Financial resources and differentiated income.
Input expense rate, complete income expense rate, leave current expenses, implement zero-based budget every year, and accurately forecast.
Evaluation accuracy. Scientific and technological resources should establish the concept of high starting point and high quality, integrate OA platform and solve CRM customers.
Family relationship management, report management. Customer resources should reduce maintenance costs and make rational use of strategic resources.
Five, strengthen personnel training, cultivate qualified employees.
With the development of financial business, it is urgent to strengthen the training of specialized personnel and corresponding business personnel, especially
With the rapid development of business today, new business varieties and changing customer needs also require us to carry out training.
Produce a group of employees who meet the market demand. This includes job training. It also includes self-learning and promotion of employees. more
It is important to receive specialized business training. The contents include: overall financial planning, marketing theory, financial regulations,
Basic knowledge such as financial analysis and customer relationship theory, including securities investment, insurance, funds, bonds and foreign affairs.
Remittance, credit, bank card, taxation, pension planning, etc. There is a lack of relevant business when the banking business develops and changes.
The state of personnel makes marketing less detours.