Summary of bank accessories 1 I have been good at summing up experience from my daily work since I worked in XX bank outlets (according to my customers' own positions), which has effectively improved my comprehensive quality. With the support of colleagues and presidents of outlets, the internal management mechanism of XX Bank has been continuously improved, and the service level and various achievements have been greatly improved. For the better development of our bank, I was assigned to work in X Bank by my superiors on X, X, X, during which I considered myself on the basis of "virtue, ability, diligence and success". It is like a ruler, weighing you up and down, looking at you, measuring you, weighing you, and becoming an idea of self-restraint, self-transformation, self-exercise and self-improvement. Below I will summarize all aspects of my temporary work as follows, please comment.
I. Learning situation
After the attachment training began, in order to make up for my shortcomings in practice and help me integrate into the new working environment as soon as possible, XX Bank first arranged for me to have a ten-day study and understanding activity in various departments to learn about the good practices and advanced management models of XX Bank in business management. During these X days of study, I visited the accounting and settlement department, planning and finance department, corporate and institutional business center, personal banking center, risk management department and other departments of XX Bank. The heads of various departments patiently explained the main functions and business processes of their respective departments, and showed me various rules and regulations formulated in recent years, such as Detailed Rules for the Administration of Tellers of XX Bank, Measures for the Administration of Beijing Branch of XX Construction Bank, and Measures for the Assessment of Individual Account Managers of XX Branch. By reading these documents, I have a comprehensive understanding of the business types and management of XX Bank, which is of great reference value to my future teaching work and professional construction. In addition, in order to cope with the increasingly fierce competition in the same industry, better adapt to the changes in market and customer demand, further improve the level of specialization, intensification and refinement of management, and reduce the management level, XX Bank has carried out active organizational reform, adopted flat management, and newly established a number of directly affiliated branches. The speed and intensity of such reform touched every employee and put forward a great test for the management and guarantee of XX Bank. In order to ensure the smooth development of the reform work, during this period, XX Bank issued a large number of rules and regulations on business standard integration, risk control, network transformation and security. After reading these documents, I deeply realized the confidence and determination of XX Bank to carry out this reform and the pioneering spirit of XX Bank in the face of changes in the market environment, which will add many vivid cases and materials to my teaching and help me to carry out targeted teaching activities in the future.
In order to further deepen my understanding of the banking system and learn from the advanced practices of banks in marketing, risk management and credit evaluation, after the department visit, I went to the savings office, personal financial center, SME service center, personal housing credit center and other business departments for in-depth investigation and study, and had face-to-face exchanges with front-line business personnel and customers, which benefited a lot. During my secondment in XX Bank, I actively communicated with the lobby manager and the front desk teller, and asked them some specific questions, such as the division of functions, post setting and responsibilities, cash management of outlets, business varieties of different outlets, the handling process of specific businesses, and the teller assessment system. Their enthusiastic answers have solved some puzzles in my daily work and invisibly improved my professional level.
Years of work experience have made me fully realize the importance of learning and dare not slack off. Take an active part in various studies at work, learn and master the national guidelines, routes and policies in time, understand the strategic deployment and requirements of the head office, and constantly improve their ideological quality. In order to do a good job in the temporary work of XX Bank, I have been working hard to learn relevant theoretical knowledge in combination with my own work practice. Record the operation skills of each post in detail, and complete each task seriously, efficiently and on time through the knowledge you have learned, and successfully complete the post-employment goals; At the same time, we will continue to strengthen the training of our own ideological education in order to better serve our customers.
Two. Internal management achievements
In the development of bank outlets, we will conscientiously complete the contents of all kinds of documents newly issued by the head office and sub-branches this year and strictly implement the newly formulated regulations of each register; Strictly require each teller in the outlet to standardize the operation. In the internal management of bank outlets, I mainly did the following work during my tenure: First, I carefully sorted out the workflow and established an effective post responsibility system. In this process, through comprehensive analysis, I listed the responsibilities of various posts in the network and cancelled some inefficient posts. At the same time, in order to facilitate management, we insist on separating some posts with great differences in work content to realize systematic management of each post in the network. Adhere to the scientific and reasonable division of posts to achieve the purpose of preventing risks; The second is to improve the internal control and supervision institutions and improve the comprehensive quality of network members. In my daily work, I am very aware of the importance of internal control and supervision institutions, so I require the staff of internal control and supervision institutions in outlets to be familiar with various businesses and have a strong sense of responsibility. At the same time, I also formulated a scientific and reasonable inspection implementation plan according to the actual situation of outlets, so that all routine inspections can be implemented.
Thirdly, the cultivation of overall awareness, service awareness, management awareness according to law and competition awareness.
I have been working in XX Bank for XX (time). XX Bank is a constantly developing and innovative bank. Therefore, we can only keep pace with the development of XX Bank if we make common progress and grow rapidly together. "Deposits depend on public relations, and stable deposits depend on services." I have always had a deep understanding of this. Therefore, in the temporary work, I always maintain a good service ethics and constantly improve my service skills. In handling business for customers, I always seek the highest quality at the fastest speed. I would rather be tired than let customers wait one more minute. In order to improve the speed of handling business, I will also learn from other outstanding comrades, exchange good work experience with each other and make progress together. I remember when I was on the job, someone said, "A customer's complaint shows that the customer has needs, and the customer is willing to stay with you to do business, so they will express their opinions. If the customer has no demand, he can change to another bank without making any comments. " Therefore, if customers give me advice at work, I always accept it with an open mind and say that I will try my best to correct it, which not only wins the trust of customers, but also establishes a good image for XX Bank.
With the rapid development of XX Bank, its business is becoming more and more complicated and its customers' requirements are becoming more and more strict. The increasing business volume makes it difficult for us to adapt for a while. Some previous irregularities need a lot of time and energy to rectify. Someone asked me if I was tired working here. I often answer that I am not afraid of being tired, but I am afraid I won't. I'm not afraid of difficulties, but I'm afraid it's not done yet. Because we love this job and XX Bank, we are willing to spend more time on our work than others, and only want to complete all the work of the internal manager of the branch.
The achievements made in the affiliated work of XX Bank, no matter how big or small, are the past and history. Facing the reality and future, I will face up to my own shortcomings, think and analyze myself comprehensively, and strive to achieve the following points in my future work in accordance with the spirit of the 18th National Congress and the concept of "Chinese Dream": First, I will continue to strengthen the risk prevention of bank outlets, actively implement safe and civilized management, and make XX Bank (the bank where customers work) develop steadily and healthily; Second, constantly learn new business management knowledge, better display their talents, make outstanding achievements, and improve their working ability to a higher level. Contribute to the better development of XX Bank.
Summary of bank attachment 2 It's been almost a year since I came to the grassroots. Although the time is not long, I feel a lot. In this period of work and life, I have more deeply realized the good intentions of the Party Committee and the organization department of the district branch to arrange young cadres to work at the grassroots level. Going deep into the grass roots to receive education and on-the-job training is the most effective way to enrich experience, increase talents and improve quality. I want to share with you some experiences of working in a grass-roots bank at the beginning of this month.
Although I have worked in the accounting and credit position of the county branch for six years, with the expansion of the business field of the Agricultural Development Bank, the variety of business and the change of business development concept, the work content and management mode of the branch have changed greatly. The thinking angle and method mode of working in the district branch are different, and the differences in geography, economy, culture, humanities and folk customs between counties require me to change my thinking, perspective, concept and role as soon as possible.
First, the understanding of attachment exercise
All kinds of tempering can accumulate experience and enrich life. As the first batch of cadres attached to posts in district sub-branches, we should have a correct understanding of attachment training, establish the belief of starting from scratch, being willing to endure hardships and being brave in dedication, study and exercise at the grassroots level in a down-to-earth and diligent manner, and do a good job in service. Being in a brand-new environment and going deep into the forefront of ABC's work is both a challenge and an opportunity. We should adapt to the new environment as soon as possible, overcome difficulties, forge ahead, solve the changes and difficulties in study, work, life, social and other aspects encountered during our temporary employment, let ourselves withstand various challenges and tempering, and achieve an all-round improvement in work ability and level. On-the-job training has opened up a broader world for us and built a platform for in-depth study. We should devote ourselves to the grassroots, study and work in a down-to-earth manner, improve our comprehensive quality and service ability, effectively achieve the purpose of exercise, and do something practical for the grassroots.
Second, a superficial understanding of the work of grass-roots banks
As a basic unit, county branch is the terminal of policy implementation. Although the sparrow is small, it has all aspects. There are daily business such as accounting settlement, customer marketing, planned credit, information technology, documents and files, as well as daily management such as administrative logistics and party-mass construction. Since I came to the garage, I have participated in non-business work such as the preparation of staff canteen, community health, public security improvement, national unity, family planning, spiritual civilization creation, business reception, etc., such as checking corporate culture construction, security and confidentiality. For me who has been engaged in business work, the complexity and triviality are unexpected, and the hardships I have never encountered. There are more than 40 kinds of leading bodies that need to be adjusted and formed due to the change of leading body members. A branch has to face multiple departments of the superior bank, and one post has to undertake the work of the above positions or departments, and at the same time, it has to complete all the tasks arranged by the relevant local departments well, which makes me really feel that it is not easy to "have a thousand lines above and a needle below".
Through the contact with the employees of XX county branch, I saw from them the precious spirit of obscurity and selfless dedication of the employees of Agricultural Development Bank in their ordinary posts under limited conditions, deeply realized the importance of county branch management in the whole system construction of Xinjiang branch, and realized the hardships and complexity of the actual work at the grassroots level.
First, the work of county sub-branches is comprehensive, which requires not only high professional level and research and analysis ability, but also strong comprehensive coordination ability and practical execution ability, so as to accurately understand the spirit of policy documents and implement various tasks deployed by superiors.
Second, the county branch is the front line of bank work. Dealing directly with enterprises, local governments and relevant departments involves all aspects, with large variables and complicated work. The situation of enterprises is different. It is impossible to be clear at a glance that one prescription can cure all diseases, and it needs to be flexible and treated differently. Specific problems should be analyzed in detail and work should be carried out according to the actual situation. So we should combine principle with flexibility.
Third, the work of county branches is more specific. Front-line employees and enterprise personnel who directly face the policy implementation terminal have to translate the requirements of policy documents into popular language in order to do a good job in service, so they have higher requirements for integrating theory with practice in their work. Especially in southern Xinjiang, ethnic minorities account for a large proportion, and the necessity of bilingual service is even more important. Most comrades who have worked in southern Xinjiang for a long time can be bilingual. In this regard, I made a plan for myself to learn two sentences of Uighur every week.
Fourth, the sub-branch has many working ideas and relatively few personnel. In the face of complicated and trivial work, we should pay attention to fine combing, grasp the key points and make overall plans. Therefore, in the work, the requirements for overall coordination and comprehensive promotion of key tasks are relatively high.
Third, how to work at the grassroots level?
First, be a good student. Pre-job training is to let us learn and improve at the grassroots level. Regardless of the original work field and business scope, we should strengthen our study in an all-round way, pay attention to integrating theory with practice, study, analyze, study and summarize in practice, learn the working methods, experience and superb leadership art accumulated by leaders for a long time, learn from the rich and practical wisdom of the masses, and constantly accumulate and enrich our own work experience.
Secondly, be a good assistant, obey the orders of branches and regional branches, truly integrate yourself into the collective of county branches, fully complete all tasks arranged by branch leaders and superior branches as masters of branches, stand on their own posts, do a good job in charge of work, unite team members, help branch leaders find ways, find ways, go deep into the masses, respect every colleague, listen to the voices of the masses sincerely, carefully and wholeheartedly, and help the masses.
Third, build bridges and ties to reflect the voices of the cadres and employees of the branches and the difficulties encountered by the grass-roots branches in time; At the same time, we also actively publicize the working procedures and requirements of the branch in the autonomous region to the cadres and employees of the branch, and do a good job at the grassroots level according to their standardized procedures and requirements to further improve the efficiency of loan declaration and loan review; In addition, give full play to the policies and resources we have mastered in the work of branches in the autonomous region, actively contact with local departments such as finance, agriculture, poverty alleviation office and ethnic affairs commission, and help enterprises that meet the conditions of various discount loans to enjoy relevant discount policies, effectively promoting a win-win situation between banks and enterprises.
During the period of attachment, we should be more strict with ourselves, study more, practice more, sum up more, base ourselves on the post and be down-to-earth, further enhance our overall awareness and service awareness, strive to improve our political and ideological quality, organization and coordination ability, macro-thinking ability, etc., and successfully complete the attachment task.
Summary of attachment work in the bank in 3 ×××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××××× This attachment is not only a good exercise opportunity for me personally, but also a challenge from a new starting point. I cherish every minute with the head office. I hope that my personal management level and professional skills can be greatly improved within the limited time of attachment, and I will live up to the trust of branch leaders and the careful training of head office leaders. In a blink of an eye, I have been employed for half a year. Looking back on the course of 180 days, I summarize my work, study and life during this period as follows:
First, the role has changed rapidly and the work has achieved remarkable results.
I changed from one of the heads of the retail finance department of the branch to the risk director of the personal loan team of the retail finance department of the head office. I deeply realize that branches have different emphases from the head office in working methods and thinking. Branches focus on implementation and marketing, while the head office focuses more on management and strategy. After taking the post of personal loan risk supervisor, in order to adapt to the role as soon as possible and improve the quality and efficiency of work, I spent my spare time familiarizing myself with the rules and regulations of the head office on credit granting, and made clear the internal loan review process and authority setting. In my work, I found that the professional skills and level of retail credit personnel in Wuhan Sub-branch need to be improved urgently. The quality of credit information reported is not high, the rework rate is high and the efficiency is low, which has laid a hidden danger for retail credit work. In order to change the present situation, I drafted and formulated the notification system for the quality of credit materials reported by XX city sub-branch, and made statistical scores on the quality of credit materials reported by XX city sub-branch every month, supplemented by case analysis, which not only improved the compliance and integrity of credit materials reported by XX city sub-branch, but also improved the efficiency of loan audit of the department. In order to help XX City Sub-branch establish a retail credit team, I visited XX City Sub-branch, and after understanding the organizational structure and approval process of the credit team of this sub-branch, I wrote the article "Risk Tips for Retail Credit Business of XX City Sub-branch", which revealed the risks existing in the retail credit business of XX City Sub-branch and put forward suggestions for improvement.
Second, focus on work and improve team morale.
This year, from the post of personal loan risk supervisor to the post of bank card and channel supervisor. After the rotation, I first learned the main work contents and methods of the team at present.
There are many key projects in the bank card and channel sector this year. Credit cards, such as financial ic cards, social security cards, mobile banking, online banking and self-service banking, are all important, but there are only three people in the whole team, which is very stressful, with many tasks and heavy responsibilities. Since the bank card and channel team was established last year, there has been no formal project online, and the team often manages one thing alone and is depressed.
In order to streamline the working procedures, I have worked out the working schedules of all projects around the main idea of "two basics" this year, defined the working contents and project leaders, and put forward the working idea of "all-round promotion and key breakthrough", so that our financial ic card project will be launched before the end of the year. In addition, I also published two newsletters in the Head Office and the departmental offices, namely "XX Bank enters the core era" and "Our Bank's pos fee adjustment work is successfully completed". After the work, the morale of the team increased greatly.
The third is to strengthen system construction and improve customer service level.
At the same time, I also manage the customer service team because the supervisors of bank cards and channels are not in place. As an important window of our bank's external service, customer service center's service attitude and level directly affect customers' satisfaction and evaluation results of XX Bank. In order to improve the service level of our customer service, I divided the customer inquiries and complaints accepted by the customer service center into three categories: general consultation, system errors and major complaints, and formulated corresponding handling procedures for different types of calls, which effectively prevented the further expansion of the situation and avoided the secondary complaints of customers. In order to correctly and properly handle customers' inquiries and complaints, solve customers' problems in time, and earnestly safeguard the brand image of Hubei Bank, I have also established four important systems and six types of records and documents of customer service center. These four systems include registration system, feedback system, learning system and notification system. Six types of documents include the national network address book and related knowledge points, problem confirmation summary, complaint summary, daily operation report, customer service bulletin board and SMS cancellation register.
Fourth, participate in management training and accumulate management knowledge.
During my attachment, I actively signed up for the management training class organized by the head office in XX College, and learned such courses as: eight principles of mind set, five functions of management by objectives, index setting and assessment method of XX balanced scorecard, and how XX can become a charismatic leader, and mastered relevant knowledge such as how to manage a team well, how to communicate with team members, and how to give full play to team combat effectiveness.
As a good team, we should have clear goals, reasonable division of labor and good information communication. Members can trust each other, actively participate in their own teams and encourage each other to learn from each other, so as to give full play to the team's maximum energy. As the head of the team, he is the soul of the team, and he should have strong willpower and ability to resist pressure. During my attachment, I made full use of the core essence of the course, constantly strengthened the cohesion of the team, stimulated everyone's fighting spirit, and made breakthroughs in the team's working methods, working ideas and work results.
Five, actively serve the grassroots and implement the "two basics" work.
This year is the first year of the bank's "double base" work. In order to do a good job in serving the grassroots and solve their practical difficulties, I visited the grassroots many times.
First, at the beginning of the year, I visited XX Branch to inspect the publicity activity plan, understand the regularity of the retail activity plan of the city branch, collect the opinions and suggestions of the city branch on the activity plan, and reflect the practical difficulties of the branch to the relevant leaders in charge to ensure the fairness and justice of the activity plan, thus ensuring the smooth implementation of the activity plan of the whole bank;
The second is to go to XX Branch to train new employees. Xiaogan Branch has recruited a number of fresh graduates, enriching the talent pool. Graduates are not familiar with banking knowledge. At the request of XX Branch, I wrote a training course after work and went to XX Branch to do a training on "Basic Knowledge of Bank Cards and Channels" for new employees, which was highly praised.
Half a year is very short. Although I work in other places, during this period, the leaders and colleagues of the head office have given me the most selfless care both at work and in life, so that I can devote myself wholeheartedly to my work and study.
During my temporary post, I strictly demand myself, earnestly perform my duties, exercise myself from five aspects: morality, ability, diligence, performance and honesty, and constantly strengthen theoretical study, so that my work level, especially my ability to solve difficulties and my awareness of taking care of the overall situation, has been greatly improved. In the next step, I will continue to overcome difficulties, forge ahead, apply what I have learned, work hard in the positions arranged by the organization, be brave in innovation, and contribute to the vigorous development of Hubei Bank.
Summary of attachment to the bank 4 According to the arrangement of the banking regulatory bureau, as the first batch of rural credit cooperatives cadres, I came to XX Bank to start my attachment study for more than three months and served as the deputy manager in the accounting and settlement department of the branch. During my temporary employment, I was warmly received by the leaders of X Bank, and received strong support, enthusiastic help and patient guidance from the leaders and colleagues of X Bank in my study and life, so that I could study happily in a harmonious and good learning environment. I long for it. I have read many rules and regulations of accounting management in X Bank, and experienced the excellent corporate culture of X Bank in the front line of business. These three months of study have opened my eyes, made me feel deeply and gained a lot. I'm glad you came. Now I will report my study and some experiences in these three months as follows:
First, read widely, broaden our thinking and strengthen theoretical study.
In order to understand the good practices and advanced management mode of XX Bank in accounting management, I have read a large number of accounting rules and regulations of XX Bank since XX. This is an important year for XX Bank to reform joint-stock enterprises, establish a standardized and efficient management accounting organization system and implement comprehensive accounting integration according to the management mode with clear rights and responsibilities. Many rules and regulations, such as risk control and business process reengineering. For example, the Implementation Opinions on Building Management Accounting System and Improving Accounting Internal Control Mechanism, Administrative Measures on Division of Accounting Rights, Administrative Measures on Examination and Approval of Important Accounting Matters, Risk Points and Preventive Measures of Key Accounting Business and Important Accounting Matters, and Administrative Measures on Chief Accountant Appointment System are of great reference value. Through theoretical study, I have a preliminary and macro understanding of the basic framework, internal control mechanism and risk prevention system of X Bank's accounting management. Combined with the current reform and reality of rural credit cooperatives, it has inspired me a lot and made me think deeply. I deeply feel that a scientific and reasonable internal control mechanism is the basis for a good business development.
Second, integrate theory with practice and conduct in-depth field visits.
In order to further deepen the understanding of the system and learn the good practices and experiences of internal risk control, I communicated with the leaders in charge of Bank X in time, and applied to the "three centers" under the business department and accounting management department of Bank X for field study. I studied for two months, during which I deeply felt the business philosophy of "people-oriented, customer first, advocating reputation and pursuing Excellence" and the industry atmosphere of "rigor, standardization, caution, honesty and innovation". Humanized service, strict and standardized business operation, meticulous work style, deep-rooted awareness of risk prevention and other employees' professionalism and youthful vitality left a deep impression on me.
Summary of bank attachment work 5 Through this short study, I deeply felt the demeanor of a big bank. They have a complete system, strong business processing system, strict internal control mechanism and deep-rooted awareness of risk prevention. At the same time, they also deeply understand the gap between us and professional banks, especially in the face of XX Union, which is the hardest hit area, they feel that the burden is heavier and the responsibility is greater. The experience is as follows:
Scientific and reasonable labor combination and effective internal control mechanism. Set up posts scientifically according to the principle of efficiency and control. According to the needs of the work, the positions of X Bank's business outlets are set as outlet director, chief accountant, business manager, business sponsor, business manager, account manager, lobby manager, etc., and the post setting adheres to the principle of business separation:
The first is the separation of business operators and marketers.
Anyone who is engaged in product marketing, business development, customer on-site service and other marketing and consulting marketing shall not directly handle specific counter business such as voucher transfer, bookkeeping and reconciliation for customers.
The second is the separation of important business posts.
Remittance of funds, intra-jurisdiction transactions, electronic interbank account business and accounting record entry. Tellers and review tellers are separated; Separation of delivery personnel, bookkeeping personnel and checking personnel in bill exchange; Seal, pledge and voucher separation constitute effective payment elements. Such as: special seal for bills of exchange, bank bills, cipher (money counter), special seal for bills of exchange, special seal for intra-jurisdiction transactions, cipher, special seal for cashier's checks, cashier's checks, business official seals, certificates of deposit (including certificates of deposit), business official seals, agreement deposit notices, business official seals, notice of emergency transfer of funds in different places, cipher, etc. It must be realized. Telex, password and business teller are separated; The warehouse keeper is separated from the counter business.
The third is the separation of operation and authorization.
Handle business in strict accordance with the principle of decentralization. All business shall be handled by the business handling agency first, and important business shall be handled by the business organizer, and the business supervisor (business manager) shall authorize it according to the prescribed authority. Business handling agencies, business sponsors and business executives shall not work part-time with each other. Under special circumstances, if the business sponsor and business supervisor need to handle business or shift, I cannot authorize the business (including signing and approving the business manually). Implement the post responsibility system, establish the post responsibility system, clarify the work content and responsibilities of personnel in each position, and implement the responsibility to people. The responsibilities between posts are clear, the authority is clear, and some actions are inaction. Establish a good internal control system with mutual cooperation, internal and external linkage, mutual restriction and clear hierarchy to effectively prevent and control risks.