First, the basic situation of internal control management
The sub-branch consists of seven functional departments: office, personnel supervision department, planning and credit department, market customer department, financial accounting department, international business department and compliance department, 1 trade union office and 1 party committee office. It has 1 1 business institutions, including the business department, * * sub-branch, * * sub-branch, * * sub-branch, * * sub-branch, * * sub-branch, * * sub-branch, * * sub-branch. By the end of 10, the Bank had * * employees, including * * long-term contract workers and * * short-term contract workers. In terms of institutional setup, functional departments should be restricted horizontally and parallel, and the front and back offices should be separated. In terms of post allocation, it is necessary to implement personnel and clarify responsibilities; In terms of system construction, timely transfer documents and implement learning in place; Strictly require standardized operation in system implementation, and strive to reduce operational risks; Insist on strengthening self-discipline supervision and re-supervision from the system guarantee to escort internal control management. Generally speaking, the Bank's internal control management is focused on by the leaders, organized and implemented, with clear responsibilities, interlocking three lines of defense, and continuously enhanced risk prevention capabilities.
Two. Main measures, effects and achievements of internal control management in that year
In order to ensure good internal control management of the whole bank, this year, the Bank adopted the following measures in internal control management.
1. Leaders attach great importance to it and organize its implementation. Since 20xx, the leaders of the Bank have always attached great importance to the internal control work of branches, taking strengthening internal control work as an important means to improve management level, standardize business operations and improve the overall quality of employees of the Bank, ensuring that ideological understanding, work measures are in place, organizational system is sound, and punishment and rectification efforts are intensified. The Bank has set up an independent audit department, and the internal control work is led by the audit department. This year, * * * organized * * on-site audits with * * participants, worked out the work plan according to the requirements of the president's office meeting, and completed the responsibility audit of * * * director and * * branch director during their term of office; * * Livestock storage, * * savings, * * savings, * * branch business audit; Important post responsibility transfer * personal times; Support the telephone number of employees in the audit department of the branch; Extended inspection of problems found in supervision; Established a problem rectification account; Supervised the self-examination and self-correction of internal control evaluation.
2 timely convey the new policies, new systems and new measures of the CBRC, the People's Bank of China and the superior bank. According to statistics, by the end of September, * * * had forwarded more than 10 internal and external business documents to branches at the same level, and more than * * internal and external business documents to business institutions. After receiving the documents, employees were organized to study in time, which strengthened their familiarity with national financial policies, systems and methods, and standardized business operation procedures.
3. According to the actual situation of the bank, constantly improve various effective rules and regulations. According to the spirit of the document of the superior bank, our behavior further penetrated into the specific business development and internal control management. This year, the sub-branch issued various system guarantees and business documents, and newly established * * * * * * *, * * * *, adjusted * * review committee, * * * * committee, * * * * leading group and * *. Introduced the * * annual business objectives assessment method, the main person in charge of the business unit internal comprehensive management assessment method, salary distribution method, and the * * work quality assessment method; The responsibilities of the functional departments of the sub-branches were revised. The promulgation of regulations and measures provides an effective institutional guarantee for internal control management from the aspects of organization and responsibility.
4. Attach great importance to the existing problems, clearly implement the responsibility for rectification, and do a good job in rectification. The rectification work is led by the Compliance Department of the sub-branch and supervised by the competent business department, and the units with problems implement rectification. The Compliance Department establishes a bank-wide rectification ledger, registers the internal and external inspection problems and rectification results of the superior bank one by one this year, and sends a * * notice to the competent business department to monitor the rectification of each unit throughout the process; The competent business department shall establish a systematic rectification account for the problems existing in various internal and external inspections and quarterly self-discipline supervision of the superior bank, and go deep into the grassroots to grasp the rectification and implementation according to the notice of * *; Units with problems should focus on those responsible for rectification and adhere to the principle of "whoever handles rectification and whoever does not rectify". Through measures such as responsibility in place and vertical and horizontal integration, except for objective reasons, it is really difficult to rectify, so that rectification does not leave a dead end and does not go too far.
5. Self-discipline procedures have been gradually standardized, and penalties have been significantly increased. In April, the sub-branch severely punished the relevant personnel who violated the basic accounting operations and systems according to the Measures for Handling Violation of Rules by Bank Employees and the Measures for Auditing Punishment, and fined * * * person-times with the amount of * * yuan.
6. Actively organize employee training to improve employees' awareness of standardized operation.
Bank Monthly Work Summary Fan began to participate in the training of new bankers in provincial banks in March. Unconsciously, I've been in JH for almost a month, but I've only been working as a chief cashier for half a year. In the past six months, I have experienced many ups and downs, met many mentors and learned many lessons. Thank you for your encouragement and support, and thank you for your concern and help. I reviewed my work in the past month.
I. Summary of work
1. In terms of business level, I have been learning and making continuous progress. I still remember the nervousness when I received the cash from the warehouse keeper on the first day of listing, the fear when I went to the counter for the first time, and the feeling of being at a loss when I met new business. As a newcomer, I try to overcome all these difficulties. On the one hand, through their own efforts to diligently practice various skills, improve work efficiency; Read all kinds of business documents frequently to increase business knowledge. On the other hand, I believe that "a threesome must have a teacher", and I will consult other colleagues in time if I don't understand anything in my business, and then sum up and digest it carefully after my business is done. In order to get familiar with the business as soon as possible, I insist on taking notes every night and summarizing the business of the day. God rewards diligence. In the past six months, my average monthly business volume has been higher than that of the branch accounting teller, and I have kept a record of zero errors every month.
2. In terms of thinking, I am constantly changing. On the one hand, it is the transformation from students to social people. After all, there is still a big gap between society and schools. With the care and support of HYZH leaders and the assistance of colleagues, I quickly adapted to this working environment, and I gradually realized that the workplace is a very important place for discipline and teamwork. On the other hand, it is the change from the customer who accepts the service to the teller who serves the customer. Customers are free to choose any bank to handle business, but we can't choose customers. Although the customer is not always right, in terms of service, the customer is our god. "Welcome when you come, answer when you ask, and send when you leave" is the most basic requirement for good service. In terms of service quality, I adhere to the concept of "being kind to others means being kind to myself", and think about customers' demands by empathy, so as to meet customers' needs and eliminate customers' worries. Because JH's customers are completely different, especially HYZH's customers who are waiting to be paid, and their education level is not high, I will think and practice from their perspective: what methods should be used to make them easier to understand and run their business better and faster. In order to make the service better, I also responded to the call of the bank, personally experienced the services of other banks, and wrote an experience report to introduce what other banks are worth learning to my business.
Second, the problems existing in the work
Although I have made progress in all aspects in the past six months, there are still many shortcomings and deficiencies:
1, the theoretical level is not high enough. Although I insist on learning every day, the content of learning is not comprehensive and systematic enough. Many times, I only pay attention to learning the content related to my own business, and I have little knowledge unrelated to my business. I haven't mastered many new things and knowledge well enough, and there is still a big gap in applying theory to guide practice and promote work. Tired of work, sometimes I will relax my requirements and standards and be satisfied with a passable and similar state.
2. The overall consciousness is not strong enough. Sometimes, I just start from my own business or the business of my own department, and I don't understand some important decisions made by branches, even provincial banks and head offices that affect the overall development of the whole bank. Although we have finished the work according to the requirements of the leaders, we still have some other ideas in our hearts.
Three. working face
Next year is an important year for JH to expand its market share and gradually realize the strategy of "two industries, one line". In 20xx, I will work hard, diligently, do every job well, handle every detail, strive to improve my professional skills and execution, and grow and progress at an early date. Among them, the following points are my key points for improvement next year:
1, seize every opportunity to improve professional ability and strengthen the summary of usual knowledge;
2, work should pay attention to timeliness, pay attention to results, and all work is based on the completion of the goal;
3, improve the initiative of work and learn new knowledge, especially about public knowledge, and strive to improve their work efficiency and quality;
4. To improve the overall situation, we should not only start from our own business, but also stand at the height of the whole department and even the whole Bank of Communications.
In fact, as a new employee, all places need to learn. I will insist on listening, watching, thinking, doing and communicating more next year. I will learn from every employee their excellent work habits and rich professional skills, and make continuous progress in combination with the actual work.
As a new employee, Fan Wensan has made great progress in all aspects in the past year under the guidance of the leaders of Fengtian Branch and the help of all his colleagues. I am deeply touched that he has just graduated from a university and has almost no practical working experience in banks and has grown into a front desk teller who can operate the savings teller business independently at present.
As the saying goes, "All is fair in war." Now I am just a soldier, a soldier who has just set foot on the society. What I face is a brand-new world, and what I see is a dynamic and positive face. I saw the working attitude and enthusiasm of bank leaders, which deeply infected me and gave me a new understanding of bank work. The bank is no longer the place to raise my grandfather, and there is no iron rice bowl in banking, so I changed myself at the first time to adapt myself to the needs of modern banking.
I actively participate in the marketing of various products of the bank. In February and March of this year, I followed He Bin, Cong Dongning and other account managers to the neighborhood near the bank to publicize the salary increase products and the fund's fixed investment in wealth management, and achieved good results. At the same time, I strengthened my understanding of financing business, mastered the different characteristics of various products of our bank, consciously learned the vocabulary of financing, and set high standards for myself. After basically mastering the financing business, I studied personal loan related business with Li Qiang. We have a clear understanding of the collection of personal loan customer information, the collation and volume of personal loan information, the examination and approval of a loan management center, and the registration and filing of real estate buildings. During this period, Li Qiang and I went to the real estate field for many times to learn relevant knowledge, and we saw different performances of different customers in our preliminary examination, from which we can basically judge whether customers meet our lending standards.
Subsequently, under the arrangement of bank leaders, I completed the study of financial management and personal loan, and started the study of teller business in the business room. I used to think that the counter business was the basic deposit and withdrawal, but I didn't see the diversity and complexity of the work until the front line. Under the guidance of Mr. Kang, I first learned some basic business knowledge with Mr. Lu, and at the same time strengthened the practice of business skills to improve my quality in all aspects. After attending the training for new employees organized by the Bank, I passed the anti-counterfeiting examination, obtained the qualification of accounting, and started the firm operation with Feng Chang. This is a test for me. The front desk business deals with money all day, which requires a very careful work attitude and the ability to keep improving. With the help of all the experts, I can start my own business now. Although I have made some achievements in this year's work, there is still a big gap between my ability and skills and my old employees. In the future work, I will try my best to learn from the old employees, study the business assiduously and become an independent employee as soon as possible.
Below, I will make a summary from the following aspects:
1. In terms of moral quality, I think there is no problem.
As for the attendance system, I devoted myself to my work from the first day I entered the bank. So far, I haven't been late and left early, so I can use my rest time to make some contributions to the completion of various indicators of the bank.
3. Personally, from July 1 to now, my daily average savings deposit is more than10.5 million, and my time deposit is more than 2 million. I sold the insurance and paid 3000 in installments. The credit card has exceeded the task.
4. I feel that I still have a gap in my professional ability, which is related to my working hours, but this is not the reason. Some businesses are unfamiliar to me, and some have never even heard of them. I also need to strengthen my study in this field and strive to reach a higher standard.
I think it is necessary for me to sum up the excellent service work. Generally speaking, I can treat customers sincerely, serve with a smile, handle business enthusiastically and actively solve problems for customers. What I lack is to maintain this high-quality service all day under any circumstances. Sometimes business is tight, and when I see many customers waiting in line in the lobby, I can't help but reduce the quality of service. I have been trying to improve this situation, and I believe there will be great improvement in the near future.
As a newcomer, I am proud to join Fengtian's team. I will always be customer-oriented in my future work, strengthen my own study and grow into a qualified and excellent employee.