Time always slips away inadvertently, and our work has come to an end. We have made a lot of achievements in our work during this period. It is time to sum up our work seriously. So how do you sum up your works and write new tricks? The following is my personal work summary of 20021bank marketing staff (5 selected articles), hoping to help you.

Personal Work Summary of Bank Marketers 1 In the process of credit card marketing, I think the following four aspects are very important. First, grasp the product; Second, it is the understanding and development of the market; Third, face-to-face marketing with customers; Finally, the application form is filled in and the customer is maintained.

The first is to grasp the product. Being familiar with various functions of the product does not mean mastering the product. At the beginning, my first feeling after I got the information was that such a good product would definitely have a market, and I also prepared many sets of statements. If the customer asks me what card this is? That's what I said. If the customer asks me, what are the characteristics of your card? That's what I said. However, when I really faced my customers, their problems were completely out of my expectation, because of the function of the credit card itself. They won't ask you about the benefits of credit cards at all, but ask you, do you charge an annual fee for your cards? Or do I have some credit cards in my wallet and don't want to do it? Others say that your bank has few outlets and it is inconvenient to pay back the money. What I say most is that I don't have the habit of using cards. These questions caught me off guard, and I began to re-examine this proud and not beautiful credit card. Is it me or the customer? Finally, I found that I had overlooked three details: first, CCB had covered the credit card market once before September, and our credit card had many similarities with the bank's credit card; The other is the consumption habits of China people, living within their means; The third is that Yangzhou people have a personality in their work, knowing that it is a good thing, but not doing it, because he is not familiar with you and asks others to be human. After a period of thinking, my understanding of credit cards began to change. Only by looking at the problem from the user's point of view can we really grasp the credit card. Credit card is a overdraft card in the eyes of bank staff, but what is it in the eyes of customers? It is a time bomb around you, a tool to encourage you to use money, a burden in your wallet, a weight to exchange human feelings and so on.

The current credit card market is very immature and not as perfect as we thought. We blindly emphasize the overdraft consumption function of credit cards, which I think is misleading. Many consumers don't accept this idea. So when I was marketing, I said this card was just an emergency card. When the cash flow is not good, you can use this card for emergency. Quite a few people will agree with this statement, and if they agree, they will have a chance. In this level of marketing, those who ask what a credit card is and what its functions are can easily become card users. It is those customers who have unexpected problems, so we should prescribe the right medicine.

Credit card marketing, we lag behind other banks, so we have no experience to learn from. We need to hone our mouth and ability to deal with customers in actual marketing and communication with customers. What is familiarity with products? Just go out boldly and say, don't be afraid to refuse, summarize after refusing, and then go out and run. Products need to be defined by customers, and we need to grasp the hidden things behind products in practice.

Second, the understanding and development of the credit card market. To sell any product, we should not only master the product itself, but also locate and find relevant channels for sales. So where are the target customers and markets of credit cards? In fact, the credit card sales guidelines have pointed out the direction for us. Among them, Article 6 of the Catalogue "Detailed Classification of Key Promotion Industries at the Present Stage" stipulates that 13 industries are the key marketing targets, and Article 8 "Detailed Classification of Acceptable Promotion Industries at the Present Stage" stipulates that 15 related industries divide credit card users into five categories according to different risks. In this way, our marketing scope is determined. In fact, this range is different from the customer market we originally imagined. I began to think that the bosses of those private enterprises were all our customers, but it was wrong to operate them. The credit card department not only needs them to provide proof of income, but also needs them to provide proof of personal property and other relevant personal credit certificates. Even if it is approved, the credit line is very low, which makes them lose face, and my workload has increased a lot invisibly. So, in order to save time and increase the number of cards issued, I gave up the private entrepreneurs and began to divide my marketing target market according to the industry targets in the guidelines.

Due to the limited time, I made three stages of preparation. The first stage is to focus on the civil service market for one and a half months, because this piece of procedure is simple and the approval rate is high. In the second stage, it will take ten days to promote it to related enterprises. The third stage, ending, see what has not been marketed. With a plan, my task becomes very clear. What needs to be done is how to eat it piece by piece. The method I adopt is to start with the unit with acquaintances. I took out the list of all my friends, started searching for government officials, teachers and doctors, and then called them one by one to help me with marketing. This piece is guaranteed. Because of the help of friends, it is very convenient to operate. I told them the relevant elements and they did the rest of the publicity work. There is a detail here, that is, filling out the form must be simplified. For example, there are many elements in your ID card, and you don't want others to fill in your name and ID number.

After the introduction of acquaintances, they began to be key customers introduced by themselves. This piece is relatively complicated to do, because the friendship is not deep, and it takes a little skill to rely on the mouth. For example, it is most convenient for us to run a group card, but it is very important that you find the right person to do things. If you go to the finance department, they will say that everyone has already applied for another bank card. If you go to the office, others will say that the company is talkative, and others will think that it is good to accept the bank. In this case, we should be mentally prepared. This doesn't mean that everyone will do it. Unless it is an administrative order of the unit, others have the right to refuse. So I first found a popular person in the office, and then I did it for the director through him. At this time, don't expect him to help you finish it. He had no obligation, so I followed him from office to office. Bring the director's stuff and show it to them on purpose. When these people look at it, the director does it and I'll do it again. Marketing is like this. It is useless to emphasize the benefits of products blindly. People just don't trust you. You really can't.

The second stage is some enterprise units. First, select some distinctive units, such as enterprises with institutional background, such as radio and television center, with higher registered capital and business dealings with our bank, which is helpful to the credit card environment. For example, youth travel agencies can use credit cards to buy air tickets. In short, not all enterprises can become the target of issuing cards. In the case of limited time, I have to start with the most sure.

The third stage, that is, sorting it out, is mainly to make some personal cards sporadically. After three stages of work, more than 300 cards have been completed, and civil servants account for 80%, so the recognition rate is very high. Characteristic enterprises have also been basically approved.

In market development, what I feel most is that the role of relationship marketing is too important. Some people think that my client resources are too small. What should I do? In fact, the opportunity is around everyone, your relatives, classmates, friends and customers are your goals, and marketing is to be thick-skinned.

Third, face-to-face marketing with customers. In this process, what I feel most is that we must make the most agile response to customers' problems. To sum up, the customer has six questions: (1) Is there an annual fee for the credit card? (2) What are the special functions of credit cards? (3) Is the credit card safe? What about the back office support? (4) I already have several bank cards in my hand, so there is no need to do it. (5) There are too few outlets in your bank, which makes repayment inconvenient. I don't need to do it at all. I usually use cash. So before you speak, you must be prepared for these questions. Rest assured, the quality of the product is all in our mouth. In all these questions, we will take the restriction as the reason for the customer's refusal. For example, fifth, the lack of outlets is our disadvantage, but this is only a restrictive condition for handling cards and cannot be used as a reason for customers to resist. We have three reasons to respond. First, the bank's self-service banking is accelerating; Second, the automatic repayment function of debit card will be realized soon; Third, you don't have to pay back the money the next day after swiping the card. You can have a rest at any time for 56 days. Explain the restrictions clearly, and customers will have fewer reasons to refuse. Similarly, article 4, there are too many customer cards, and I don't want to do it again. I'll-I'll ask him when the cards from other banks were issued. What is the quota? Is there a guarantor? Is it universal at home and abroad? How long is the interest-free period? Do you get points for shopping? First, determine whether the card in the customer's hand is a credit card, and at the same time take out several credit card samples prepared in advance, and then introduce the special functions such as SMS service, insurance service and medical service in due course. We should try our best to make customers feel the uniqueness of credit cards naturally. In the process of communicating with customers, we must have a good attitude. If the customer is really in a dilemma, we should quickly move on to the next one.

The last point is about filling out the application form and customer maintenance. We have done a lot of preliminary work, and finally we should not be rejected because the form is not standardized. This is a very sad thing. The first is to fill in the form. I only ask customers to fill in (1) home address and telephone number; (two) the address, telephone number and position of the work unit; (3) immediate family members and friends; (4) signature. I'll help them fill in the rest myself. On the one hand, it saves customers a lot of trouble in filling out forms, on the other hand, the process of filling out forms is the process of auditing, and many loopholes can be found. Third, you can make the form neat, and some customers will scribble in the wrong place after filling it out. In fact, the people in the card department are the same as the college entrance examination papers, giving the impression that the papers are clean and tidy, so they are used in the wrong place, so you can decorate them with correction fluid. Many of our colleagues leave the audit work to the relevant comrades in the sales department and don't ask them themselves. This is definitely unacceptable. Let me give you an example. Once a friend of my local taxation bureau brought ten watches. When I helped them fill out the form, I found that their home phone numbers were all company numbers. This is a problem. Because the phone number at home is usually the password of the credit card, basically everyone is different, so I will call one by one to ask. If I ignore this detail, maybe I have done ten more useless things. In addition, the higher error rate in the table is the last column, contact information. In my experience, this column must be written, especially for immediate family members. You can relax the requirements in the friends column. You can write your own name or the names of your colleagues.

Secondly, the relevant information provided by customers. I want to focus on the personnel income certificate. One of the key points is the details of the position. Because in the credit card sales guidelines, the approval rate of employees with stable positions is relatively high. Some colleagues in the marketing process, see each other's position is not very good, they have ideas, such people will certainly not be recognized. Here I want to talk about my own experience. Take one unit, Yangzhou Youth Travel Service. It should be said that the recognition rate of tour guides is very low because their work is unstable. On the other hand, it is impossible for a tour guide to take a tour group every day for 365 years. When he is not with the tour group, he is responsible for scheduling and related paperwork, so I asked them to write "plan, clerk" in the post column. At the same time, I also wrote a statement explaining the position of this unit in Yangzhou and the cooperation with our bank, hoping to increase the credit line. As a marketer, you should make the auditor of the credit card center think that this unit is necessary.

The third is the maintenance of customers. Is the so-called after-sales service. This job is to call customers after the application form is issued, asking them if they have got the card, how to use it, and what they don't understand, and thanking them for their support for CITIC's work. In fact, the purpose of doing so is very simple. I hope they can introduce some customers to us, at the same time, contact feelings, explore a number of high-quality customers, and prepare for future banking business.

Above, I share with you some feelings in the process of credit card marketing from four aspects. Many of these ideas were discussed by comrades in our department when studying the credit card marketing scheme.

Therefore, they have also made great efforts in the marketing process of credit cards. I think the marketing of credit cards is very challenging in the current social situation. Everyone has their own marketing ideas. If we can spontaneously exchange experiences with each other, I believe that our credit card task will be completed in 20XX.

Summary of personal work of bank marketers 2 Marketing work entered the first quarter, and the competition in the same industry became more and more fierce. Thanks to the joint efforts of bank leaders and employees of the whole bank, xx Bank worked overtime, worked hard, actively explored the market, subdivided customers, competed for resources and seized the opportunities. Up to today, the marketing work has been going on for more than 20 days, and the work is progressing smoothly. The completion rate of various indicators has been higher than this month's plan, ranking among the best in the whole region. Below I only learn from the accumulated experience of railway line marketing in peak season, and talk about some of my personal ideas and work experience:

First, compete for excellent customer resources and increase deposit marketing.

By the end of June 19, the bank's corporate deposits had increased by 1 14 19000 yuan, ranking second in the region, with a planned completion rate of 496%, ranking first in the region. Personal deposits increased by 8.04 million, and the plan completion rate was 22.98%, ranking 12 in the whole region. The success of increasing bank deposits is inseparable from the active marketing of bank leaders and the concerted efforts of bank employees in Qi Xin. In terms of corporate deposits, the Bank successfully marketed the Tianjin Railway Real Estate Development Company under Jinzhou Railway Bureau, which helped the Bank achieve tens of millions of growth in corporate deposits. Privately, at the front desk, we keep the existing customers of the railway bank with the best and most sincere service, and at the same time successfully market a large number of other bank customers in the same industry. Handle financial gold cards for major customers and provide VIP services. In Zhongtian Securities Company, resident marketing personnel are set up, and the average daily card opening amount reaches more than 10, and most of them are excellent customers who have invested a lot of money in stock trading.

Second, vigorously publicize and promote wealth management products to seize the market of peer products.

Bank leaders fully realize that marketing is not promotion, and publicity strategy is particularly important. Updating financial information on the electronic scrolling screen and placing financial product leaflets in a prominent position in the business hall help tellers and personal business consultants pave the way for the next marketing. When dealing with business for customers, we will not miss any sales opportunities. Actively seize the opportunity of low interest rates, sell savings insurance with no interest rate risk and guaranteed income, and recommend gold, a relatively stable wealth management product, to customers in the context of the depreciation of international currencies such as the US dollar. Actively marketing customers who handle business at the front desk and print out credit card application forms, don't miss the opportunity to handle credit cards for every customer with good credit. Thanks to the concerted efforts of multi-party marketing led by the bank and Qi Xin, the total sales amount of Profits Savings Insurance has exceeded one million yuan, with an increase of 8.04 million yuan in private deposits. The sales of physical gold was1.260g, and the planned completion rate was 1.57%, ranking fifth in the whole region. Cumulative credit card marketing 135, with a planned completion rate of 6 1.36%, ranking fifth in the whole region.

Third, actively promote fund marketing when the economic prospects are promising and the stock index rebounds.

In 2009, China's economy was prosperous, and its GDP growth rate reached 8.7%. The stock index once rose from the lowest point of 1.800 to 3478. In 20XX, there is no doubt that the economic growth rate of China will continue to exceed 8%. Taking advantage of the excellent situation of global economic recovery in China's capital market, the bank made full use of the customer resources in the hands of every bank employee to vigorously market funds, which not only brought considerable benefits to customers, helped to complete the bank's fund sales plan, but also won the reputation of customers, making a good start for the next fund sales work.

Four, according to the national policy trend, increase the intensity of housing loans.

In 2009, Jinzhou's housing price increase has been in the forefront of the country. In 20XX, the growth rate of house prices slowed down, and many wait-and-see buyers began to buy real estate. The leaders of the Bank and the account manager of the personal loan department integrate customer resources, look for relevant customers who have intended to buy in the past, contact and introduce the relevant mortgage policies of the Bank, and actively market each loan without any risk. As of 19, the balance of the Bank's housing provident fund business increased by 467.00.

5. The counter staff actively cooperated with the lobby staff, and the e-banking business achieved rapid development.

E-banking simplifies the operation of customers and helps them to handle business more conveniently, but the subsequent procedures such as registration and activation are more complicated. In order to simplify the marketing process, after the counter staff of our bank went through the signing formalities for customers, the lobby staff actively cooperated, using mobile phones, computers, telephones and other equipment to help customers complete registration and activation, and our staff provided after-sales service for customers, which made our concept of convenient and fast e-banking deeply rooted in people's hearts and enhanced customers' satisfaction and loyalty to our bank. The marketing of e-banking has also achieved good results, among which the completion rate of the advanced version of enterprise plan reached 66.67%, ranking among the best in the whole region.

The above achievements are the result of the correct leadership of the bank leaders and the concerted efforts of Qi Xin, an employee of the bank. In the past 20 days, the leaders of the bank have actively mobilized and set an example. The employees of the bank have worked tirelessly and worked overtime, paying more sweat and effort than usual, in exchange for the marketing of xx Bank in the first quarter. I know that the competition among banks in Jinzhou will be more intense from the first quarter, and the marketing front line has become a battlefield without smoke, but I also believe that all employees of the railway bank will seize a broader market and achieve better results while sticking to their existing posts.

Summary of Personal Work of Bank Marketers 3 As a member of the branch in the city, we should always establish the sense of responsibility of "promoting my business and humiliating my business", give full play to the subjective initiative of absorbing savings, and work wholeheartedly for the healthy and rapid development of the branch. In the practice of deposit marketing for many years, the greatest personal gain is reading the three-character classics of "sincerity, diligence and precision".

The so-called "sincerity" means being honest.

Honesty is the cornerstone of maintaining market economic activities and a bridge to consolidate customer relations. When dealing with customers, only by treating each other sincerely, acting in accordance with words and deeds, learning to put yourself in the customer's shoes, solving customers' worries and thinking, can we win customers' trust and get customers' sincerity. 20xx In May, at a friend's wedding banquet, I met Chen of Qilihe Town Economic Committee in Yixian County. When I first met her, I started with topics of interest such as work experience and children's education, and I had a pleasant chat with her. During the chat, I learned two important messages:

(1) Chen is responsible for the unified collection and payment of farmers' medical cooperative insurance premiums in 2 1 administrative villages under the jurisdiction of Qilihe Town, Yixian County. At that time, an idea flashed through my mind instinctively: "If this nearly 2 million yuan medical insurance fund is deposited in our bank, it is best to record the actual balance at the end of June, which is definitely good news for completing the half-year deposit index of the branch."

(2) Chen Ke is worried about his son's poor performance in junior high school Chinese, and he is anxious to find an excellent Chinese teacher for one-on-one tutoring.

Sun Tzu's Art of War said: If you want to take it, you must give it first. If you want Chen to deposit the medical insurance money in our bank willingly, you must convince her of me. At present, it is a rare opportunity for her to find a teacher for her children. So, I promised Chen to recommend an excellent Chinese teacher to her son on the spot. The next day, I successfully recommended a famous teacher to help my children with their composition through relationships. Twenty days later, section chief Chen told me excitedly that her son had made remarkable progress in his studies, and an essay he wrote became a model essay for the whole class. In mid-June, I took the initiative to open a special card for seven seven seven and sent it to her, and tactfully asked Chen to help me pull some deposits. She readily agreed. Three days later, I personally deposited all the medical insurance funds of 6.5438 yuan +0.79 million yuan into our bank.

The so-called "diligence" means diligence in mouth and diligence in legs.

Only by maintaining regular communication and exchanges with customers and understanding their capital trends and investment plans can we capture the best marketing opportunities and seize the opportunity in the fierce marketing war. In the first half of 20xx, in the daily work of collecting money from home to jinzhou area Hu Yue Company, on the premise of ensuring that the money is not bad every day and the bills are handed over clearly and timely, I established good interpersonal relationships with all the staff of the company's finance department and knew the company's capital turnover like the back of my hand. If the remittance arrives, I will inform the financial staff as soon as possible. If I withdraw a lot of cash, I will make an appointment for the enterprise in advance. My hands-on, serious and responsible work attitude and thoughtful and enthusiastic service at home have made the leaders and financial personnel of Hu Yue Company very satisfied. They are willing to transfer the money deposited in other banks to our company account in time for turnover settlement. The maximum amount remitted to our account for a single transaction is 25 million yuan, and the accumulated settlement amount for half a year exceeds 1 100 million yuan. The so-called "fine" means meticulous.

Details determine success or failure. Marketing can't stay in traditional habitual thinking and practice, but needs advanced marketing concepts and service skills to integrate and organically combine. Before marketing, we should have a full understanding of customers, know what customers value and need, carefully observe customers' manners and behaviors, try to figure out and analyze customers' psychology, and see the essence through phenomena, so as to get twice the result with half the effort.

For example, in the Spring Festival of 20xx, according to the traditional custom of elders giving their children lucky money, we will vigorously market zodiac cards and small time deposits; In view of the favorable opportunity for the stock market and the housing market to be closed, most citizens are unwilling to hold shares for the holidays, hold money for purchase, and vigorously market 7-day notice deposits; In view of the sluggish performance of gold, real estate, foreign exchange and other transactions, we vigorously promoted our 7777 wealth management products to customers, highlighted the functional advantages of our wealth management products "short investment period and high interest income", and provided customers with a thoughtful, convenient and efficient package of comprehensive financial services, which not only retained their money, but also retained their hearts!

Successful marketing ideas vary from person to person, privately customized; Perfect service comes from Excellence and Excellence. The relationship between banks and customers is like looking in the mirror. How you treat customers will naturally be treated by customers!

Summary of personal work of bank marketers 4. It has been a year since I entered CCB in a blink of an eye. Time has given me a deeper understanding of CCB and improved my business skills through my own study, leadership and the education and help of my colleagues. This year's concrete gains

I have gained a lot in business. This year has made me proficient in business and able to solve problems at work with ease.

In the past year, in addition to doing my daily work well, I also focused on the following work:

1. Annual accounts check. After receiving the annual inspection notice from the superior, the annual inspection was carried out on all normal accounts of ***4 18 in the business department. In the case of tight time and heavy tasks, timely notify all enterprises to come to the annual inspection, request to provide the latest and most accurate information of their own units, and register all information in the second phase of the People's Bank account system.

2. Change of old and new accounts. Due to the system upgrade, the system will change all the old accounts 20xx years ago, and it needs oral explanation and written handover with relevant enterprises. In addition to filling in the Notice of Account Change for each household, the Permit for Opening Basic Accounts and Special Budget Accounts will be withdrawn for change.

3. Electronic consumption account book. Due to the continuous use of the expense account register, the account has been damaged after years of use, so all the expense account information is formed into an electronic version for future use.

Ideologically, there were many activities in the Ministry in 20xx, and I tried my best to complete all tasks, such as mobile banking, SMS signing, Li Deying, Yao Mingka and so on. Although it is not very prominent, I actively participate. Now, I am facing the activities in the first quarter of 20xx. First of all, I will try my best to expand resources and tap customers, so as to play a leading role in party member. Secondly, in marketing activities such as credit cards and funds, we will also be strict with ourselves and increase growth rapidly. In the new year, I set myself a new goal, that is, to step up my study, enrich myself more, and meet the challenges in the new period with full mental state. There will be more opportunities and competition waiting for me next year. I secretly encourage myself to gain a foothold in the competition, be down-to-earth and focus on the overall situation and future development. I will learn from other comrades and learn from each other. Of course, I still have some shortcomings in handling and operating some details. I will hone myself in my future work, give full play to my strengths and make up for my shortcomings.

Summary of personal work of bank marketers 5 1. Do the daily service settlement.

As a branch business department, it is a large-scale comprehensive network, which is not only the external service window, but also the business processing center of the whole bank. We think the most important thing is to do a good job in daily business processing, external service and internal settlement.

1, a lot of cash came in and out before and after the holiday. Before the Spring Festival, in order to meet the customers' demand for cash, two 1 were taken from the People's Bank of China. After the Spring Festival, 65 million yuan in cash was returned to the People's Bank of China.

2. Twice a year, give maximum cooperation to personnel and business in school fees, timely count the recovered cash, timely issue invoices for administrative fees and return them to the school, and timely transfer the money to finance.

3. Do a good job in the Spring Festival and 5. During the 1 period, in view of the security work of salesmen, warehouse keepers and outlets, considering that the number of staff in the sales department is less than before, the outlets were informed before the festival to require the quality of the banknotes to meet the standard, so as to speed up the warehousing of the returned funds and reduce the inventory.

4. Participate in the ticketing and ticket collection of xxx concert, and arrange relevant work as planned to ensure the safety of financial personnel during this period.

5. In the first half of the year, coordinate the three departments to do a good job in the installation of online banking, and train relevant enterprises in business and computer knowledge to reduce sleeping users.

In the second half of the year, in order to better develop e-banking business, under the care of the president's office, the business department and the corporate business department will be responsible for the installation and service of e-banking. Except for installation and business knowledge publicity, the e-banking business has been done well, and there have been no mistakes such as duplication, cross-checking and omission in the past year.

6. Do a good job in the pre-test and production of NOVA 1.2, 1.3 and 1.4 versions.

7. Cooperate with xx Branch to do a good job in receiving and counting the house payment of xx Company.

8. Do a good job in clearing and carrying forward local and foreign currency accounts, and complete the accounting collection of 5438+0 1 in June. At the same time, at the end of February 1, we successfully completed the information check and error correction with SAFE.

9. Adjust the account information of telecom, PetroChina and oil companies (transferred to the group account).

10.xxx At the invitation of the Telecommunications Bureau, the cashier under the jurisdiction of the Telecommunications Bureau was trained in counterfeit currency.

1 1. The agency business is transferred from the personal business department to the business department, and the payroll business of all savings outlets in the whole bank is centralized to speed up the payment of wages to households and meet customer requirements.

/kloc-securitization of non-performing assets was completed in February and July, with a total amount of * * * accounts, and these accounts were also closed.

On June 5438+March and July, the warehouse was cancelled and the warehouse keeper of the sales department handed over. At the same time, the business personnel will be transferred from the business department to the business support department for management.

14. On August 23rd, the bank successfully accepted bill deposits and entrusted loans, and strengthened the control over deposits and entrusted loans.

With the joint efforts of all departments, the replacement and cleaning of 15 and 676 payment passwords have been completed.

Second, improve service quality and ensure the smooth development of various businesses.

The business department focuses on the accounting business background of the whole bank. Compared with all other outlets, the business level, business scope and service means are higher, and the business level depends on service skills. Only by improving business processing ability can we serve customers well.

1. We use the regular meeting every Tuesday to make service comments, point out the shortcomings of employees in counter service, and reward and punish employees according to their counter performance, so as to improve the overall service level.

2. Conduct business training after service evaluation, especially new business. This year's business updates are faster than in previous years, such as the management of the deposit for bank acceptance bills, the business processing flow of bank acceptance bills, the handling of entrusted loans, the upgrade of NOVA 1.3 and 1.4 versions, and the most important account collection this year, all of which need to be grasped in time and handled seriously by each employee in order to reach a higher business level.

3. Under the requirements of the tax exemption form of the Local Taxation Bureau and the resumption of tax deduction procedures of other banks, with the efforts of the President's Office, the Science and Technology Department of the Municipal Branch solved the formalities for our bank. At present, this work has been carried out smoothly, meeting the service requirements of the local taxation bureau.

4. The cashbox of 4.TM machine is installed by the outlets themselves, which saves half of the labor force for the business department. Since the merger of xx, the counter pressure of the business department has obviously increased. We use this change in ATM management mode to increase the pressure on the counter. At the same time, the agency business will be concentrated in two windows, and a "VIP customer first" window will be set up to divert customers and change the situation of various customers. After hard work, the deposit task developed rapidly in the fourth quarter.

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