Financial personnel need to keep and use checks, invoices and receipts in accordance with the regulations on bill management, and track the use of bills, especially the entry of received checks. Below I will bring you a summary of personal financial management in 2022, I hope you like it.
Summary of personal financial management in 2022 1 Looking back on the work in the past 20 years, we have made achievements, but also found many shortcomings and shortcomings in our work. It is mainly manifested in the need to further explore the feasibility of grasping and implementing various financial systems, especially the stale problems exposed by audits in recent years, which are always perfunctory and muddle along. But it also encourages me to further study and judge relevant professional knowledge and apply it to the real business in the new period, so as to overcome difficulties and achieve greater results.
I summarized my thoughts, study and work in the past year as follows:
I. Operational aspects
In the past year, I kept my responsibilities in mind. Strict requirements, adherence to principles, impartiality, the overall situation. According to the new "Accounting Law", earnestly perform their duties. Meticulous, loyal to their duties, successfully completed the 20__ year budget preparation and 20__ year budget implementation; Reasonably allocate funds, strengthen revenue and expenditure management, and ensure that all the wages of unit personnel are paid by card; Do a good job in the basic accounting work, carefully review the original documents, complete accounting procedures, neatly bound, and clear accounts.
Second, ideological study.
I know that as a financial officer, my responsibility is great. If you want to perform your duties better, you must keep learning! Learn business knowledge and principles and policies under the current new situation. Insist on learning and accumulation as the basic way to improve their own quality and work ability; Adhere to the combination of participating in various learning activities and problems encountered in daily work, so as to apply what you have learned. Over the past year, I have greatly improved my political thinking and professional level.
Iii. Preparation and implementation of the annual budget
Annual budget preparation is a complicated and arduous task, mainly based on the national budget law, the budget preparation principles of higher-level units and the reform priorities this year. , the preparation of the unit next year's budget. This is not only a written document reflecting the financial situation, personnel situation and assets situation of our unit, but also an important decision-making basis for leaders to understand the situation and formulate our unit's financial revenue and expenditure next year after mastering the policy.
This year, my achievements can not be separated from the support of leaders and the help of colleagues. Here you are, thank you! Xiongguan road is as iron as iron, and now it is still one step away from the beginning. Facing the new year, I will work harder! Carry forward advantages, correct shortcomings, be diligent and pragmatic, be cautious and innovative, and be honest and dedicated! Contribute to the follow-up development of Wancheng Forestry Bureau.
In 2022, with the help and guidance of leaders and colleagues, through their own efforts, financial personal work has been further improved in professionalism, ideological realm, professional quality, work ability and other aspects, and achieved certain work results. I can abide by the law, study hard, study hard, work hard, treat my job with diligence and responsibility, and play my due role in financial positions. In order to sum up experience and overcome shortcomings, we will briefly summarize the work in the past 20 years as follows:
1. Management of student fees. 20__ years of hard work, constantly summing up work experience, and strictly implementing the education charging policy. Cooperate with relevant departments of the school to improve the efficiency of charging. The education income in 20__ years basically reached the budget at the beginning of the year.
2. Tax management. Responsible for issuing VAT invoices and reporting personal income tax, VAT, VAT surtax, stamp duty, enterprise income tax and other taxes and fees every month. In May of 20__, the school changed from a small-scale taxpayer to a general VAT taxpayer.
3. Further promote the construction of school financial information. This year, we will continue to promote the use of campus uniform platform. At present, the payment methods of students on campus are composed of four ways: platform payment, bank withholding, student-origin loan and POS credit card. Among them, the platform fee accounted for 2 1.33% of the total education income this year, which was 4.43 percentage points higher than last year.
4. Make financial accounting vouchers. Since the implementation of the financial management online reporting system in June, accounting vouchers have been made every month according to the labor remuneration declared by various departments.
In 20__ years of work, I enjoyed the joy of harvest and found some problems in my work. In my future work, I will continue to study theory and strive to improve my ideological and professional quality.
Summary of personal financial work in 2022 3 It can be said that all the staff in our company have completed their work efficiently in X years of work. Of course, the work of our company's financial audit department is also developing, and we have efficiently completed the tasks assigned by the company. I believe we can do it well. These are the fruits of our continuous development. I believe we can do it well!
X year is a crucial year for the group company to promote industry reform, expand the market and sustain development, and it is also a year for the financial audit department to innovate ideas and standardize management. The Financial Audit Department adheres to the industry development idea of "market-oriented, benefit-centered", closely focuses on the overall work arrangement and financial audit focus of the group company, works hard together, completes the responsibilities of the department and the tasks assigned by the company leaders, and has achieved certain results. In order to sum up the experience and lessons, and better complete the tasks of X years, the personal financial audit work summary report is as follows:
Financial work:
1, enhance the awareness of financial services
Over the past X years, we have, as always, strengthened financial management, optimized the allocation of resources, and improved the efficiency of the use of funds in accordance with the principle of "scientific, strict, standardized, transparent and efficient", and made it an important task of our department to do well the work clothes of group companies.
In order to adapt to the development under the new situation, the financial audit department has established, improved and implemented various financial rules and regulations. As the nature of the company has changed, it is necessary to revise and improve the company's financial rules and regulations. According to the financial system of the municipal bureau (company) and the actual situation of the group company, the group financial system is compiled.
In order to give full play to financial functions, we have strengthened the standardization of basic accounting work, improved the quality of accounting information, and ensured the truthfulness, accuracy and completeness of accounting information. Strengthen the functions of financial forecasting, analysis and fund raising, strengthen the management of major investment funds, and provide effective and timely data and technical support for leadership decision-making.
2, do a good job in accounting work plan, budget management steadily.
The first is to refine the budget content. According to the subsidiary ledger of X years and X years, the implementation of income, cost and period expenses is analyzed in detail, and the statistics are classified by subjects, which lays the foundation for the comprehensive budget of each branch and subsidiary in X years. The second is to improve budget transparency. After the budget plan is properly adjusted according to the feedback from the branches and subsidiaries, it will be examined and approved by the general manager, and then a formal document will be issued to the branches and subsidiaries, so that all units can have a comprehensive understanding of the company's budget and enhance the transparency of the budget; The third is to increase the rigidity of the budget. Pay attention to the problems existing in budget implementation and related situations, feed back the situation to the Budget Committee from time to time, strictly examine and approve the problems such as over-budget, and carry out special demonstration and analysis on the matters applying for adjustment according to the prescribed procedures before implementation. Over the past year, the overall implementation of the budget has been good, and the budget concepts of branches and subsidiaries have been greatly improved and strengthened, which has accumulated experience for doing a good job in the comprehensive budget for X years.
3. Make full use of tax policies.
Our department makes full use of various preferential tax policies of the state for enterprises, actively handles tax reduction and exemption and tax deferral for X Logistics Company and X Transportation Company, and has been approved by the Municipal State Taxation Bureau to grant X Logistics Company and X Transportation Company a total of1772,900 yuan corporate income tax relief and 294,800 yuan business tax relief, which has achieved considerable economic benefits for the group company.
4. Strengthen financial management.
According to the requirements of the group company to standardize financial management, optimize financial audit procedures, improve the quality of financial services, and give full play to the participation of functional departments in enterprise management, the financial audit department adjusted the centralized financial management to a trial appointment system for financial personnel, and adopted the principle of "unified management and graded responsibility" for management. The financial audit department is mainly responsible for the financial supervision, financial analysis and financial report of various assets of the group company, the financial management of branches and subsidiaries, and the audit of financial internal accounting vouchers. , give full play to the functions of the financial audit department.
5. Vigorously rectify the financial order.
According to the work arrangement of special rectification of the financial order of the Municipal Bureau (company) and the work plan of self-inspection of financial revenue and expenditure, under the guiding ideology of "finding out the family background, revealing hidden dangers, promoting standardization and promoting development", the group company has seriously carried out the financial self-inspection work in strict accordance with the requirements of self-inspection of the Municipal Bureau (company) and around the working idea of "standardizing the business behavior of the industry, promoting the healthy development of the tobacco industry and creating and accumulating more wealth for the country". From top to bottom, the financial audit department has made a self-examination on "off-balance-sheet accounts", "small treasury" and imaginary (chaotic) column costs, income distribution distortion, accounting distortion and other issues, and implemented the combination of strengthening economic responsibility audit and strengthening financial and economic order rectification. According to the principle of "rectification while rectification", the problems identified are classified according to time and nature, and the loopholes in operation and management are found. Through this self-inspection, the supervision of state-owned assets has been effectively strengthened.
6, strengthen the role of fund management.
In order to standardize the economic operation order of the Group, strengthen the fund management of branches and subsidiaries, reduce and eliminate the risk of fund use, improve the efficiency of fund use and promote the healthy development of the Group. Since August 20__, the group company has incorporated the fund management center of the group company into the unified management of the settlement center of the municipal bureau (company). In order to ensure the smooth and timely entry of the group fund management center,
According to the requirements of the municipal bureau (company) settlement center, the annual and monthly capital revenue and expenditure budgets, management expense budgets, operating expenses and financial expenses of all branches and subsidiaries were carefully and strictly reviewed and compiled. At the same time, in order to ensure the orderly development of all work, it is emphasized that all branches and subsidiaries should intensify the collection of payment for goods to ensure the normal economic operation of the group company.
In X years, the capital structure of our company will undergo great changes, the financial management system of our company will be adjusted at any time, and many new requirements and contradictions will be encountered in cost management, capital budget and expense management. Under the correct leadership of the company's leaders, the Finance and Audit Department will make a good personal work plan for X years, give full play to the subjective initiative of all employees, constantly change their work style, adjust their work ideas, and create jobs according to the actual situation to serve the company's financial management.
Summary of personal financial work in 2022 4 Under the guidance of the Education Bureau and the Central School, our school has done a lot of work in financial work in _ _ _, and achieved some achievements, but there are also some shortcomings, which are summarized as follows.
First, be down-to-earth and do a good job in routine financial work.
Improve the democratic financial management team, give them corresponding rights and obligations, do their job well, and improperly decorate. Before the start of school, prepare the receipt of administrative fees in advance, widely publicize the latest charging standards, and standardize the fees in strict accordance with the requirements of the Price Bureau of the Finance Bureau of the Education Bureau. Print and publish the balance of school income and expenditure every month for teachers to check.
Second, find out the family property and strengthen the management of fixed assets.
This year, according to the requirements of the Finance Bureau and the Education Bureau, we conducted a comprehensive inventory and clean-up, made a comprehensive registration of fixed assets, found out the family background, and established a detailed account of fixed assets on this basis, which enhanced the awareness of protecting state-owned assets and made the management of fixed assets enter the track of normal management. Fixed assets added in the future should be registered at any time, and the fixed assets management chapter should be engraved for the person in charge to sign the invoice to attract attention and enhance the sense of responsibility.
Third, live within our means and enhance the awareness of budget management.
According to the requirements of the primary school central school, our school makes a detailed calculation of the income for the next semester, and according to the size of the school, makes the most practical expenditure plan for daily official business, teaching business, equipment purchase, school building maintenance and other expenses, and reports it to the school for approval step by step, and executes it according to the budget.
Four, financial disclosure, strengthen financial supervision.
Our school should be on the wall, first, the democratic financial management team should be on the wall, second, the charging standard should be on the wall, third, the list of poor students should be on the wall, and fourth, the monthly income and expenditure situation should be on the wall. Make financial work open and transparent, accept the supervision of teachers, students, parents and society, and not become a mere formality.
Five, self-charging, improve their professional quality.
Often through various forms of business study, pay attention to the latest changes in the financial system, learn relevant rules and regulations, learn the new budget of rural compulsory education schools, and recharge yourself to avoid deviations in work.
Summary of personal financial management in 2022 5 Time flies. I have been in China Film for more than three months. From the beginning, I felt uncomfortable with my job. Now I have adapted to this group and know that if we work together, we can cope with difficulties and setbacks. I think this is the most valuable part I have learned in recent months.
Finance is the core department of a unit, and it is also a lead that runs through every corner of the enterprise. As a financial officer, my job responsibilities are mainly financial handling, tax declaration and financial management of the sales part of the mall. At work, because of the different types of goods and purchase channels from the original unit, my understanding of purchase channels, settlement methods and goods warehousing management was my main concern at first.
With the deepening of understanding and the improvement of accounting proficiency, the previous accounting entries have been completed, further rationalizing the financial continuity. In order to improve work efficiency, accounting is freed from the original calculation and registration work. Under the organization of President Yao, the initialization process of accounting computerization was carried out in May. After a period of data initialization, we have basically mastered the application and operation of UFIDA financial software, and the transition from financial accounting to computerized accounting has entered a stage. This can save our time, greatly improve the data query function, lay a good foundation for financial analysis, and make financial work to a new level.
Do a good job in financial analysis, mainly commodity sales analysis, cost analysis in the process of shopping mall operation, capital flow, etc. , can be a good reference to the accuracy, timeliness, capital ratio of products on sale in shopping malls. It is an important way to improve the level of enterprise management and decision-making. Providing strong financial information support for enterprise decision-making and management will make our work get twice the result with half the effort, which is also the part that I should study hard and constantly improve.
Work is a process of mutual learning. My work has tested me and taught me something, which is mainly reflected in my understanding of the financial handling of import and export business, which makes me very happy. "Never too old to learn" is a good word to remind us to learn at any time.
We are also very grateful to the leaders for their support to our work. In the future work, I will continue to work hard and grow together with our unit! Make progress together!
Summary of Financial Personal Work in 2022 6. Management Defects
(1) Some enterprises in state-owned enterprises have weakened the basic accounting work because of lax internal management, resulting in chaotic accounts, untrue property and distorted data. It is impossible to provide true and reliable accounting information for users of accounting statements.
(2) The quality of some accountants in state-owned enterprises is not high, and they lack the employment and training of high-quality and high-level financial talents. Causing confusion in bookkeeping, unclear procedures, serious mistakes and loss of accounting files; Weak risk awareness, low business skills and insufficient innovation ability.
(3) With the development of e-commerce, online finance has risen rapidly. Traditional financial management has also evolved into the era of network finance. The most striking feature of network finance is real-time reporting, and unit managers can manage it online. At present, all units are still mainly manual, supplemented by computers.
(4) The unit leaders have a weak concept of accounting legal system and vague financial accounting, which makes their illegal intentions have room and possibility for implementation; I always hope that accountants can handle all the affairs of leaders, illegally interfere with accounting work, and make it more difficult for accountants to enforce the law.
Second, the defects of accounting and accounting statements
(1) fixed assets accounting. The fixed assets accounting method stipulated in the Accounting System of State-owned Enterprises has the following characteristics: First, the "value" of fixed assets is reflected by both fixed assets and fixed funds; Second, the fixed assets are not depreciated in the use process, but the repair and purchase funds are extracted. This method has the following disadvantages: first, the numerical deviation. With the extension of use time, the book value will gradually deviate from the current net value. Second, inflated net assets. With the loss of fixed assets, fixed funds are recorded at the original book value, which makes the net assets index in the balance sheet unable to reflect the actual situation of assets and cannot guarantee the quality of accounting information. Third, the cost is not complete. Fixed assets are not depreciated, and the corresponding operating costs do not include depreciation expenses, resulting in incomplete cost accounting.
(2) Accounting statements. There are two biggest shortcomings and defects in accounting statements of state-owned enterprises: first, from the perspective of accounting statement system, state-owned enterprises do not prepare cash flow statements; Second, from the structure of specific accounting statements, the balance sheet adopts the structure of "account balance table". The traditional financial system can't meet the individual needs of users and is constrained by the principle of cost performance. Some information that did not seem very important in the past did not appear in the financial report, and some small users could not extract a small part of information from the financial information. Therefore, it is urgent to take practical measures to upgrade the traditional financial system to meet the needs of various users and strengthen financial and accounting management.
Third, improvement measures.
(1) The financial management of this unit adopts the responsibility system of the finance department under the leadership of the top leader, and all expenses are controlled by the finance department in a unified way and arranged reasonably. The expenses shall be signed by the manager, the department head and the competent leader; Reimbursement can only be made after the approval of the top leader, otherwise accounting responsibility will be investigated.
(2) The expenditure of this unit shall be managed by budget in principle, and the construction and production shall be managed by economic objectives; It is forbidden to lend public funds (including bureaus and other units and individuals), and special circumstances require written approval. It is strictly forbidden for anyone to use public funds or checks for personal affairs. It is strictly forbidden to store public funds in the name of individuals. It is strictly forbidden to mortgage or guarantee other units and individuals with unit assets or bank deposits.
(3) Purchasing machinery and equipment, vehicles, hospital capital construction projects and other project expenditures, keeping accounts and reimbursing them according to the provisions of the national accounting system, ensuring complete procedures, accurate figures, clear accounts and timely handling, and implementing the unified provisions of the national accounting system. In principle, the vehicle of this unit will be repaired in the repair shop within the system, and the repair shop will settle accounts with this unit. This unit should try its best to solve the problem by itself, and it is strictly forbidden to engage in malpractices for personal gain.
(4) Establish a supervision mechanism. The settlement of labor costs, material costs and machinery costs in the project must be signed by the competent leader and the agent, and a unified invoice must be issued. Otherwise, no financial settlement will be made. Office supplies and low-value consumables required by this unit and each project management department shall be purchased by the administrative office in principle and distributed reasonably; Measuring instruments, tools, ordering scientific and technological books, newspapers, magazines and other cultural goods must be approved by the top leaders.
(5) The travel expenses and labor insurance supplies of cadres and workers shall be implemented according to the unified standards. The amount and quantity of bonuses and sharing subsidies (including temporary workers, machine operators and managers) shall be determined by the leading group, counted by the administrative office and distributed by the finance department; After the temporary workers are audited by the statistical unit, the payroll of temporary workers is listed, and after being approved by the top leader, the finance department is responsible for issuing them.
(6) After completing the cashier's work every week, the cashier shall prepare a "cashier's report" on the deposit, income, expenditure and balance of cash on hand, and the accountant or the personnel designated by the top leader shall regularly count the cash on hand, and conduct spot checks at other times.
(7) The use of cash check or transfer check must be approved by the top leader, otherwise the finance department has the right to refuse to provide it. Strictly control the issuance of blank checks. If a cheque needs to be issued due to special circumstances, the payee's name, the purpose of the money, the date, the prescribed limit and the repayment period must be filled in on the cheque, and the payer shall sign the cheque register. The special financial seal and cashier's handprint confirmed by bank check must be kept by the chief financial officer and cashier respectively.
(8) Accounting personnel shall calculate expenses step by step according to the financial revenue and expenditure plan, and put forward opinions to the top leaders for the unplanned and non-conforming revenue and expenditure, so that the leaders can handle them in time.
(9) Cash cashier must deposit cash according to financial regulations. When the cash on hand exceeds a certain amount, it must be deposited in the bank and settled monthly. If the cash is found to be inconsistent with the actual account, the responsibility shall be investigated. The use of cash cheque or transfer cheque shall be subject to the "cheque application form" filled out by the top leader, and the cashier can only issue it after it is signed by the manager, department manager, financial supervisor and top leader, otherwise the finance department has the right to refuse to provide it.
Four. Suggestions and strategies
(1) state-owned enterprises introduce accrual basis to capitalize the acquisition cost of fixed assets. It is suggested that the accounting treatment for the purchase of fixed assets is as follows: cancel the accounting subjects of "fixed fund" and "special fund-repair purchase fund" and add the accounting subjects of "construction in progress" and "loss and overflow of pending property". For the purchased fixed assets that do not need to be installed, the "fixed assets" account should be debited according to the actual cost, and the "financial subsidy income" or related assets account should be credited; For expenses incurred in construction, renovation and expansion projects, debit "construction in progress" and credit "bank deposit" or related assets. When the project is completed and put into use, "fixed assets" will be debited and "projects under construction" will be credited.
(2) Establish a depreciation system for fixed assets. Add "accumulated depreciation". When drawing depreciation, debit the relevant subjects, credit "accumulated depreciation", and debit "special fund-repair purchase and construction fund" at the same time, and "accumulated depreciation" is listed separately as a deduction of fixed assets; In this way, the balance sheet can truly reflect the assets and net assets of state-owned enterprises, so that users of accounting statements can make correct decisions by using real accounting information.
(3) Cash flow statement. The author can refer to the basic principles of the enterprise cash flow statement and combine the actual situation of state-owned enterprises to compile an internal management statement-the cash flow statement of state-owned enterprises, which reflects the overall situation of cash inflow and outflow of state-owned enterprises in a certain period and plays a supplementary role in the balance sheet and income statement.
(4) Balance sheet. First of all, the balance sheet formula of state-owned enterprises is changed from "assets+expenditure = liabilities+income+net assets" to "assets = liabilities+net assets"; Secondly, the income and expenditure items in the balance sheet will be deleted, and their net amount will be reflected through the "net assets" part of the balance sheet.
Economic globalization, the arrival of knowledge economy era and the opening of many markets after China's entry into WTO will change the traditional financial management objectives, contents, methods and even the whole financial management mechanism. In contrast, the financial management measures and accounting system of state-owned enterprises in industries with state-owned characteristics are relatively weak, which affects the normal financial management and accounting work of state-owned enterprises to some extent; The passive situation of "having laws to follow" has not been effectively reversed so far. In addition, it is also urgent to realize accounting data networking and resource sharing of state-owned enterprises by using modern management means, promote standardization, science and technology and high efficiency of financial management of state-owned enterprises, and introduce financial accounting system norms with industry characteristics, reflecting the requirements of reform and development of state-owned enterprises and strengthening financial management and accounting of state-owned enterprises.
Summary of Personal Financial Work in 2022 7 This year, according to the requirements of business development and governance, I revised and supplemented my responsibilities and systems, defined my responsibilities and objectives, and supplemented and established a new system according to the principle of filling vacancies, which played a positive role in strengthening internal control and preventing risks of branches. The following is a summary of my work this year.
1, and constantly improve the quality of personnel
Establish and improve various rules and regulations to lay the foundation for accounting and cashier work. In view of the high error rate at the beginning of the year, the corresponding system was formulated and promulgated in time, which effectively curbed the spread of risks. Strengthen supervision and inspection to ensure accounting and cashier work. During the year, on the one hand, strengthen the assessment, implement the mechanism of linking work efficiency, assess the error rate every month, urge the problem to be rectified, eliminate the hidden dangers of accidents in time and solve the problems. On the other hand, we should strengthen inspection, change the accounting check mode, and adopt a combination of regular and irregular inspections to find out the difficulties and key points in the work in time, prescribe the right medicine, and effectively prevent business risks.
People-oriented, strengthen the quality training of accounting and cashier professionals, and further realize the standardized management of accounting and cashier work Actively do a good job in service, persistently do a good job in quality and civilized service, and establish a sense of service; Adhere to the business learning system, learn new documents in a unified way, list the problems and difficulties encountered in actual operation, and seek solutions through research and discussion; Insist on linking assessment with economic benefit indicators; Set up a settlement team based on backbone; Actively organize teller post examination; Cultivate front-line employees to consciously develop the habit of reviewing subpoenas; Carry out irregular skill competitions and knowledge competitions, strengthen the cultivation of employees' comprehensive ability, and improve the quality and efficiency of settlement work.
2. Strengthen cost awareness and improve economic benefits.
In order to better complete the annual financial work, I carefully prepare the financial revenue and expenditure plan in strict accordance with the provisions of the financial system, submit various financial information in a timely, complete and accurate manner, and make specific financial analysis at the end of each quarter; When buying an asset, first approve the asset, and then buy it. In terms of fixed expenses, employee welfare funds, trade union funds, employee education funds, endowment insurance, medical insurance, unemployment insurance, housing accumulation fund, depreciation of fixed assets, amortization of long-term amortization assets, interest payable, etc. Accurate calculation and payment throughout the year, and charged by operating expenses.
Special accounting and special treatment were carried out for the expenses. A special account for operating expenses has been set up in the temporary deposit account to specifically account for operating expenses, and a corresponding manual ledger has been established, and a system of examination and approval one by one has been implemented to strictly distinguish business operating expenses from expenses. In the use of expenses, we reduced unnecessary expenses, practiced economy and made profits with the least funds. In cost management, it is necessary to strictly control the cost indicators, conscientiously implement the examination and approval system, do a good job in daily accounting treatment, and explain the purpose of the expenses and the expenses charged according to the proportion stipulated in the financial system, so that leaders can master the whereabouts of the expenses.
3, fulfill their duties, and earnestly strengthen their own construction.
While doing a good job in governance, we should pay attention to strengthening our own construction and enhance our ability to control the work. Strengthen study and constantly enhance the principle and foresight of work. Adhere to the style of seeking truth from facts, persist in resisting and opposing decadent negative phenomena, actively help solve problems in practical work, and rely on honest attitude towards life, serious attitude towards work and scientific attitude of seeking truth from facts to promote the development of all work. Strengthen unity and cooperation and do not engage in individualism.
4. Work plan for next year
Excavate human resources and mobilize all positive factors. Based on the existing personnel, according to the knowledge structure and quality of the current personnel, determine the training focus, enrich the training forms, and increase the training intensity, especially the special training for business backbones. Reduce costs and promote stable growth of benefits. Strengthen cost management and reduce the loss of cost funds. Strengthen settlement management and maximize available funds. Reasonable allocation of funds, improve the utilization rate of funds; Carefully calculate the flow of funds, minimize the occupation of invalid funds and inefficient funds, and strive for profit. Reduce expenses and improve profitability. Do all kinds of financial calculations accurately, and provide basis for bank leaders to make decisions.