202 1 Work Summary of Guarantee Company Staff 1
Over the past year, with the care and help of company leaders, department leaders and colleagues, I have completed all the work and my ideological consciousness has been further improved. Now my personal work is summarized as follows:
1. Learn with an open mind
In the company's 1 year, every colleague in the company is my teacher, and their rich experience and work behavior are a valuable asset to me. The concern of leaders and the continuous improvement of working conditions have given me motivation to work. The friendship and care, cooperation and mutual assistance of my colleagues have given me a sense of comfort and sureness in my work. The thriving performance of the company, the leading position in the same industry and the care of the leaders have made me full of confidence in my work. Here, I would like to thank the leaders of all departments for their help and support.
Two. hard work
I have been working in the guarantee department this year, mainly doing overdue collection and post-loan management and central file management. This position can be said to be a very important barrier to prevent and control the company's risks. We must persist in the principle, collect information through multiple channels and in various ways, do our job well, and do our best to control the loans overdue rate and prevent and control the occurrence of non-performing loans. While constantly learning and enriching all aspects of knowledge and improving personal quality, we should always strengthen our professional ethics and enter the work field without personal feelings. In the work of this department, I have always been strict with myself, abide by all aspects of the company's rules and regulations, conscientiously and timely do every task assigned by the leaders, and try my best to share the worries for my colleagues; For your unprofessional and unprofessional problems, learn from your colleagues and constantly improve and enrich yourself. As this business is the first time to be carried out in counties and districts, there are many places where we need to coordinate with the work and trading center of the housing provident fund management center to continuously improve and perfect. Here, I would like to thank the department leaders and colleagues for their guidance and help, support and guidance in my work.
Within three months after entering the county, 445 people were urged to repay overdue loans, amounting to 3.46 million yuan (3,458,357.72), and 78 people changed their invalid contact numbers. Go to the trading center to get 292 pieces and sort out 356 pieces of the center files.
At work, I have always been strict with myself, earnestly and timely doing every task assigned by the leaders, and learning from my colleagues with an open mind if there are any problems. Although there are few people in the county, it includes all the business of loan guarantee. The so-called sparrow is small and complete, and its business scope includes the collection of mortgage information, the collection of guarantee fees, the handling of mortgage registration, the production and collection of overdue statements, and so on.
Three. existing problems
Through 1 years of practice, I also clearly see that I still have many shortcomings, mainly:
1. I don't know enough about loan guarantee business, so I need to strengthen my study and understanding.
2. Some things are not handled properly.
3. The ability of communication and coordination at work needs to be strengthened.
4. Business knowledge learning needs to be strengthened and work efficiency needs to be improved.
Four. Direction of efforts
My work plan and objectives are mainly:
1. Cooperate with the management department to complete the receipt and handling of mortgage registration in the first half of the year;
2. Complete the mortgage cancellation business;
3. Do a good job in overdue loan collection;
4. Complete other tasks assigned by the leaders;
Although I haven't been in the company for a long time, I am deeply proud and proud to see the rapid development of the company. I will do my job with humility and full enthusiasm, create value for the company, and look forward to creating a better future with the company!
202 1 Summary of Staff Work of Guarantee Company II
Over the past year, under the guidance of national industry management regulations and policies, with the aim of operating in compliance with laws and regulations, taking serving the society and opening up the market as the foundation, and focusing on risk prevention and control, the company has further established rules and regulations, strengthened the construction of staff and corporate culture, and strived to expand its business scale. All employees abide by the rules and discipline, Qi Xin works together, works hard, all work is promoted in an orderly manner, and the guarantee business develops steadily. The company operated safely and achieved certain new achievements.
I. Completion of various business indicators
1. Successfully completed the safe cancellation of * * * ten thousand yuan insurance business at the end of last year.
2. The insured business households (transactions) reached 10,000 yuan in the whole year, of which: according to the insured customers, the enterprise households were * * * 10,000 yuan; According to the single insured amount, the number of business households (transactions) with a million yuan or more is 1 10,000 yuan; Successfully completed the insurance business of 10000 yuan in the current year.
3. Year-end insurance business 1 10,000 yuan, of which enterprise 1 10,000 yuan; Personal pen 10 thousand yuan.
4. The annual average monthly guarantee balance is 10000 yuan, and the business magnification is only.
5. Deposit the guarantee business10,000 yuan, and withdraw the liability reserve10,000 yuan.
6. There was no entrusted guarantee business and custody guarantee fund business throughout the year.
7. No paid business or events occurred throughout the year.
8. The income of various businesses in the whole year was million yuan, with a loss of million yuan, a sharp drop over the previous year, with a loss reduction rate of%; Realize taxes and various additional ten thousand yuan.
9, to achieve annual safety without any accidents and cases.
Second, the main work carried out
1, earnestly implement the clean-up and rectification work. Since the beginning of the year, according to the Provincial Economic and Information Committee, the SME Bureau and the Administrative Office
The Financial Office attaches great importance to cleaning up and standardizing the work arrangements and requirements of financing guarantee institutions, cherishes the company's past efforts, achievements and status quo, and cherishes the care and support of higher authorities. Vigorously carry out rectification work, seize the opportunity and time limit, actively improve relevant conditions, implement various declarations, meet market access requirements, report to local and provincial authorities for approval, complete business license licensing procedures, and carry out routine annual inspection of original relevant licenses.
2. Actively carry out marketing. In order to expand and strengthen the guarantee business, the company has actively carried out the marketing of six subsidiary businesses in addition to the approved "financing guarantee" main business. In the marketing process of the main business, actively contact, contact and negotiate with banks and agencies in the region. Although there is no breakthrough in establishing a cooperation platform, it has enhanced contact, understanding and mutual trust. With the care and support of the financial office of the administrative office, we have conducted in-depth negotiations with the agricultural bank of the region, laying the foundation for establishing cooperative relations.
Accordingly, the company adjusted its marketing direction and work focus, increased its business cooperation with various small loan companies within its jurisdiction, opened up the financing guarantee business situation and made great progress; At the same time, the sideline has also made a new attempt.
3. Strengthen the construction of system and internal control. This year, the company has made great efforts in the construction of business system, management system and internal control system. First, formulate, distribute, organize, study and thoroughly implement the operation of administrative management systems such as employee attendance, work, seal management, news crisis and emergency handling. Second, focus on the establishment and promotion of counter-guarantee management measures, customer credit and risk rating, insurance business tracking inspection, insurance business quality classification, asset quality periodic rating and other business operations and risk prevention and control systems; Third, strengthen the investigation, analysis and evaluation before insurance, and strengthen the security management of data, files, ledgers, reports and computers; Fourth, according to the requirements of the Financial Office, we will conscientiously implement the information reporting system for credit guarantee business of small and medium-sized enterprises, and submit relevant reports and materials to superiors regularly and timely every quarter to ensure the quality and efficiency of work.
4. Strengthen study, improve quality and build a new workforce. First, in order to actively understand, master and adapt to the market to carry out business, we organized all the staff to carefully study the Notice on Printing and Distributing the Implementation Plan for the New Round of Reform and Development in Bijie Experimental Zone by the prefectural Party Committee and the administrative office, and selected the attached Plan in a targeted manner to help promote business; Second, we will continue to strengthen the research on policies and regulations related to the Bank's business and work and similar industries (such as the Opinions of the Development and Reform Commission of the China Banking Regulatory Commission on Promoting the Standardized Development of Financing Guarantee Industry and the Property Law of People's Republic of China (PRC), etc.). ), national current affairs news, and reports on the operation of the same industry, consciously self-discipline; Third, in order to further improve the quality of employees, adapt to the needs of modern social and economic development and adapt to the modern enterprise system, formulate, publish, organize learning and thoroughly implement the Company's Code of Conduct for Employees, and guide all employees to consciously understand, master and practice from the aspects of professional ethics, professional accomplishment, professional discipline and occupational safety; Fourth, strengthen the training of employees' workplace etiquette for a long time, starting with basic etiquette (gfd, manners, coping with advance and retreat), business office etiquette (business etiquette service standards, office and telephone etiquette, business meeting etiquette) and business development etiquette to help employees improve their overall etiquette; Fifth, actively participate in various professional trainings organized by higher authorities to improve the quality of personnel at all levels.
Third, there are difficulties and shortcomings.
1. Building a business cooperation platform with the banking industry to provide more and better guarantee services for customers such as small and medium-sized enterprises and individuals is just the wish of guarantee enterprises. In the work of actively and diligently communicating with banks and striving for cooperation, there are many gaps in objective conditions, but there are no small obstacles of doubt, discrimination and exclusion in subjective will. Therefore, although they have been actively trying to communicate with banks and strive for cooperation, it is also a common problem and major difficulty faced by a wider range of industries at present. In this regard, we will never give up and be discouraged, and will continue to make greater efforts.
2. Due to the above problems and difficulties, the development of guarantee business is restricted to a great extent. On the one hand, funds are idle; On the other hand, the average monthly guarantee balance is too small, the business magnification is only, and the operating efficiency is not ideal.
Fourth, work experience.
1. To prevent risks, it is important to seek "reality". Risk prevention and control is the foundation of the guarantee industry, the "soul" of the guarantee business, and the premise for the company to develop itself and better serve small and medium-sized enterprises. Guarantee business is a high-risk business, and only by doing a solid job of pre-guarantee investigation and verification; Implement review and counter-guarantee measures when applying for insurance; Only by implementing follow-up management after insurance and effectively preventing and controlling risks can we better serve small and medium-sized enterprises. But for the sake of
To effectively prevent risks, we must seek truth from facts. Only by doing the work carefully can we effectively prevent risks.
2, the development of business, we must adhere to the "steady". In order to shoulder the heavy responsibility of serving small and medium-sized enterprises, guarantee enterprises must vigorously develop their business. However, due to its own particularity, the guarantee enterprise determines that it cannot be eager for success, and must stress the word "stability". Only when they operate steadily can they achieve sustainable development.
3. Service enterprises must stress "honesty". Guarantee enterprises also belong to the service industry, and the characteristics of their service industry determine that they must stress two-way "integrity" in their operations-both the insured enterprises (customers) are required to be "honest" with themselves, and they should sincerely serve customers such as small and medium-sized enterprises and individuals, worry about their urgent needs, think about their thoughts and try their best to solve problems for their customers. Only in this way can the relationship between the two sides be closer.
Verb (abbreviation of verb) New Year's work ideas
-In China, we will continue to adhere to the purpose of "policy-oriented, enterprise-oriented management and market-oriented operation", follow the business policy of "standardized management, service-oriented, efficiency-oriented and steady development", adhere to the three principles of "safety, mobility and efficiency", deepen the concept of "strengthening services, controlling risks and reasonably creating profits", and vigorously promote a new round of leap-forward with the help of Bijie Experimental Zone.
First, adhere to the cooperative value orientation of "honesty and trustworthiness, fair competition", strengthen in-depth business cooperation with existing and soon-to-be-established microfinance companies within its jurisdiction, expand the amount of guarantee business, and explore new areas and new ways of business cooperation.
Second, adhere to the cooperative value orientation of "honesty and trustworthiness, confidentiality for customers", carry out publicity through multiple channels and ways, further enhance the company's popularity and credibility, increase marketing efforts, expand markets in all walks of life, actively innovate business areas, and strive to expand the scope of the company's main and auxiliary businesses.
Third, continue to strengthen communication with banks and credit cooperatives within their jurisdiction, strive for the support and cooperation of banks and credit cooperatives, and provide financing guarantee for their loan business.
Fourth, actively participate in various trainings, seminars, lectures, reports, etc. Organized by the provincial and municipal departments in charge of industry. At the same time, actively seek ways and channels to strengthen the exchange of information and work experience with the same industry in the city and province, so as to broaden their horizons, enrich their knowledge and broaden their working ideas.
Fifth, we will continue to strengthen the training of employees' workplace skills with "insurance" business as the core and other related businesses and work needs as the focus, and strive to improve the overall comprehensive quality of employees and enhance the capital value of their human resources.
Sixth, from the establishment and implementation of internal responsibility constraint and evaluation mechanism, we should supplement and improve the risk control measures of guarantee business, focus on strengthening the investigation, evaluation and audit of customers before insurance, standardize and refine the approval process, and further strengthen the internal control of guarantee business risks.
Seventh, we should not only pay attention to strengthen the supervision of default business, prevent, restrict, isolate and punish default customers, but also pay more attention to the creation of positive models and positive publicity effects, pay attention to the establishment and publicity of honesty models, give full play to their publicity and public opinion influence, purify the guarantee business market, build harmony and cultivate honesty.
Eighth, strengthen and optimize internal management, establish internal incentive mechanism and assessment system and implement them conscientiously, improve the enthusiasm of employees, improve the initiative and creativity of all employees, improve the quality and efficiency of the company's work, and improve the service level.
202 1 year Work Summary of Guarantee Company Staff 3
The General Department undertakes many functions such as logistics management, system construction, file management, human resource management, labor management and daily administration. In the first half of 2008, through the joint efforts of all the staff in the comprehensive department, we successfully completed all the work. The key work summary and the work plan for the second half of the year are reported as follows:
1. Annual inspection of personnel, labor and capital, licenses, etc.
1. Complete the annual inspection of licenses of guarantee companies and microfinance companies.
From March to June every year, license review, collective contract filing, written review and salary manual replacement; The above work is carried out simultaneously by the guarantee company and the small loan company. Due to different registered addresses, the audit work and the handling of five insurances and one fund need to go to more than 8 different locations. Because of the distance, people have to queue up, and sometimes they can only do two jobs a day.
2. The guarantee company handles the integration of the three certificates at the beginning of the year, and changes the integration information of the three certificates in the relevant departments of five insurance and one gold;
3. In the first half of the year, the guarantee company handled the personnel relationship transfer of three colleagues, the transfer and payment of five insurances and one gold;
4. Open the provident fund online office and participate in training. According to national requirements, the proportion of provident fund is adjusted from 15% to 12%.
Second, the logistics administrative work
1. Guarantee that in the first half of the year, * * * organized ten project pre-trial meetings and eight project review meetings, and * * * passed six projects;
2. Guarantee the opening of Tianjin Zhongzheng Information Network and China People's Bank Credit Information Center;
3. At the beginning of each month, guarantee and micro-loan attendance registration are announced, and wages are deducted according to the facts;
4. File management of guarantee and small loan, renewal of labor contract, arrangement of shortlisted materials for bank credit, etc.
5. Report the financial office report on time, cooperate with the on-site inspection of the financial office, and complete the temporary report of the financial office, financial association and small loan association;
6. Inform the documents of the superior company in time, and guarantee and guarantee according to the instructions of the company leaders.
Small loan department to convey, and do a good job in the whole process of tracking;
7. Respond to the leaders' demands and suggestions for various departments in time and follow the leaders' instructions.
Coordinate relevant departments to seriously implement;
8. Strengthen the management of fixed assets and office supplies of guarantee and microfinance companies, standardize procurement procedures, adopt the principle of purchasing on demand, whoever uses it is responsible, and trade in the old ones to avoid man-made losses and waste;
9. Regularly check the water, electricity and fire-fighting equipment of guarantee and microfinance companies and replace fire extinguishers; 10 Arrange annual regular physical examination for guarantee and small loan employees;
1 1. Improve the comprehensive quality of employees and organize internal and external training for employees;
12. Organize to participate in the workers' sports meeting of the industrial group;
13 wechat official account, who handled the guarantee and the small loan company wechat.
Third, cooperate with the work completed by the superior company.
1. Cooperate with the superior company to prepare and organize various meetings;
2. Cooperate with the superior company to complete employee information registration form and job description;
202 1 year Work Summary of Guarantee Company Staff 4
For more than a year, we have been striving to build a credit image with the concept of "risk prevention as the foundation, quality service as the center, supporting and serving small and medium-sized enterprises and improving efficiency". Thanks to the hard work of all the staff and the concerted efforts of Qi Xin, * * * handled 488 guarantee businesses, with a guarantee amount of 279.6 million yuan and a cumulative guarantee amount of 477.92 million yuan, achieving a double harvest of social and economic benefits.
Main work in 20 10
1. Strictly control risks and strengthen pre-insurance investigation and verification. For each guarantee, we strictly control the risk, carefully investigate the external credit information of customers, and carefully evaluate the financial status, production and operation, and repayment ability of enterprises. After all, guarantee is a high-risk industry, and failure to prevent it will cause losses.
2. Be honest. We take "timeliness, efficiency, enthusiasm and win-win" as our service concept. In practice, as long as enterprises find us and need our guarantee, we always investigate in time, give a reply as soon as possible, and actively communicate with banks to help enterprises solve financial difficulties.
3, strengthen learning, and strive to improve the professional level. In addition to high risk awareness, employees must also have rich business knowledge and practical business operation ability. Therefore, on the one hand, we learn from brother guarantee companies and learn their work experience for our use. On the other hand, we should learn from books, seriously study financial policies and understand the new trends in the economic field.
4. Strengthen internal management. As a newly established company, strengthening internal management and establishing rules and regulations are the basis for the steady development of the company, so we should start from the basic work first. First, referring to the experience of other excellent guarantee institutions, various business materials have been formulated; The second is to set up a separate business operation department, equipped with professional investigators; Third, equipped with computers, printers, fax machines and other hardware facilities. , and defines the network operator to ensure smooth information and timely report business operations; The fourth is to formulate business operation procedures, risk prevention measures and responsibilities of each post.
Second, experience
1, guard against risks and stress truthfulness and effectiveness. Preventing and controlling risks is the premise of serving small and medium-sized enterprises and the company's own development. The guarantee industry is a high-risk industry. Only by effectively preventing and controlling risks can we better serve SMEs. To effectively guard against risks, we must seek truth from facts and stress practical results. Only by doing the work in depth and detail can we effectively prevent risks.
2. Serve the enterprise sincerely. Guarantee enterprises are both high-risk industries and service industries. They should pay attention to sincere service to small and medium-sized enterprises, think about what enterprises think, be anxious about what enterprises are anxious about, and try their best to solve problems for enterprises. Only in this way can we achieve a win-win goal.
3. Develop business and stress steady progress. Because of the particularity of the guarantee company itself, it can't be eager for success, and it must pay attention to steady operation in order to achieve sustainable development.
Third, suggestions and imagination.
After struggling in the company for a year, I put forward some problems that need to be discussed and solved through the annual work summary of the guarantee company:
1. It is difficult for enterprises without warrants to register their counter-guarantee assets with relevant government departments. Once the risk occurs, it is difficult for the law to protect the interests of the guarantee company.
2, strengthen the training of guarantee enterprises, especially how to grasp the business risks of the insured enterprises, more cases, more field visits.
By summing up our work and facing the future, we should:
1. Strengthen communication with cooperative banks, strive to increase the original guarantee magnification, and actively contact other banks to add new cooperative banks.
2, strengthen internal management, establish and improve the assessment system, improve the subjective initiative of employees, improve work efficiency and service level.
202 1 year Work Summary of Guarantee Company Staff 5
First of all, I am very grateful to the company for giving me the opportunity to enter the guarantee industry. I have been in the company for more than three months now. I knew the guarantee industry from the beginning, from a little knowledge of the guarantee to a master of all the processes of the guarantee and a comprehensive understanding of the guarantee. These are the gains from my work during this period. With the help of the company leaders and all my colleagues, I began to adapt to my work, and constantly improved my working methods, striving to improve my overall quality, enhancing my high sense of responsibility for my industry, giving full play to my abilities, and striving to create more value for the company.
(1) Basic information
Since I joined the company, I have realized that my work experience and social experience are insufficient, and I need to constantly strengthen my study, especially my business knowledge. After three months of study and exercise, I have made some progress in my work. From the beginning, I knew nothing about the guarantee industry, gradually learned about the work process, learned how to deal with customers, and flexibly handled the details encountered in the work on the premise of adhering to the working principles and safeguarding the interests of the company. Since I joined the company, I have also worked while studying. As the manager of Corner A, I was mainly responsible for handling four secured loan businesses, assisting in participating in four secured loan businesses, and studying the related work of the Risk Department after the guarantee.
(B) establish a sense of risk
Guarantee is a high-risk industry, and employees must have rich business knowledge and practical business operation ability in addition to high risk awareness. I still lack experience and knowledge in this field, so I must pay attention to my study in my future work. On the one hand, strengthen learning from books, consult with company leaders and colleagues, learn more and ask more questions. Pay attention to the policies of finance and relevant ministries and commissions in work and life, and keep abreast of new trends in the economic field. In particular, use the company to subscribe to newspapers and publish news, pay attention to the mortgage registration of related real estate or the relevant knowledge and information of our guarantee industry. Actively participate in business training to improve business skills. The company is engaged in a high-risk industry, and if it is not prevented, it will cause losses to the company's interests. In the work, we must strengthen the investigation and verification before insurance, strictly control the risks from the source, carefully investigate the external credit information of customers before insurance, comprehensively evaluate the production and operation, financial status and repayment ability of enterprises, report to the leaders in time if there are any objections, and put forward our own opinions in time to safeguard the interests of the company and avoid the occurrence of compensation in time.
(C) continuous learning to improve the overall quality
The company takes "win-win cooperation and development" as its service concept. In practical work, customers need our company's guarantee. They should obey the arrangement of the company's leaders in time, do a good job of pre-insurance research, carry out relevant work in time, actively communicate with banks, contact customers, help customers solve financial difficulties and raise funds quickly. When dealing with the problem of communicating with customers, learn the art of communicating with people from Manager Yang. On the premise of adhering to the working principles and the interests of the company. Do not offend customers, take the initiative to carry out work, actively communicate with customers, and dock related matters, so as to prevent the delay or delay in handling the guarantee business due to their own work, which will affect the company's image and damage the company's interests. When sorting out relevant materials, learn from experienced colleagues around you, learn from manager Yang for the accuracy of written expression, and learn from manager Shi for the rigor of written expression.
(d) Correcting deficiencies and being proactive.
Since I entered the company, I have grown up through study and exercise. During this period, there are also many mistakes and shortcomings, mainly manifested in my impatience and carelessness. The guarantee industry is a high-risk industry, which guards against risks and stresses authenticity. Risk prevention and control is the basis of guarantee business and the premise of serving small and medium-sized enterprises and the company's own development. In order to reduce the risk, we must minimize the error rate and improve our working methods and attitudes in time. Establish risk awareness and a high sense of responsibility. At work, don't be anxious, don't casually compile materials, be rigorous and cautious about your work, find and reduce various risk points, and steadily control risks from the business side. Strengthen communication and cooperation with colleagues in the company, and do a good job in the convergence process of all work. Be proactive, do your job well and improve your business level.
This year has passed, sum up the shortcomings of the past and continue to maintain a good work style. In the new year, the company will continue to improve relevant systems and will usher in greater development opportunities. As a member of the company, I will continue to work hard, continue to learn what I don't understand, and sum up the successful experience in handling related businesses. Constantly improve their business ability and keep making progress. Overcome one's own shortcomings, do one's own job in a down-to-earth and conscientious manner with a highly responsible attitude towards work, career and company, and live up to the expectations of company leaders and colleagues.
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