China Daily
Description steaming: one liter, beautiful appearance. Describe your career development day by day.
The source is Qing Li Garbo's "Officialdom in the Sky": "Your brother is also a great talent; Very well arranged; Still afraid of not prospering? "
The structure is formal.
Usage refers to career; The situation is improving day by day; Sometimes it also refers to the improvement of reputation and prestige. Generally used as predicate and attribute.
Prosperity is synonymous with prosperity, such as the rising sun and the rumbling day.
Antonyms go from bad to worse, and rivers go from bad to worse.
~ and "prosperity"; It can be said that the business is booming. But "thriving" mostly focuses on "prosperity" and "prosperity"; ~ focus on "upward"; Represents the development, rise and perfection of things.
example sentence
(1) Our great socialist motherland is full of vitality; ~。
(2) Clear skies in Wan Li; Cao Lao boarded loquat mountain; Look around; The Yangtze River and Jialing River are as white as silver; The mountain city is brightly lit; ~ scene.
2. On the crisis and opportunity of the transformation of rural commercial banks;
The first is the business advantage.
The second is geographical advantage.
The third is the popularity advantage.
In the rural market, we will vigorously promote self-service equipment such as ATMs and POS machines, set up service points to help farmers withdraw money, actively issue various loans to help farmers and benefit farmers, and cultivate rural customers and markets, so that rural financial services of rural commercial banks have local characteristics and affinity compared with other large commercial banks.
The crisis of rural commercial banks' transformation;
First, the market positioning needs to be corrected.
Second, the business structure and profit model are relatively simple.
Third, the business variety is single.
Fourth, the operating cost is high.
Fifth, risk management and control do not match development.
Sixth, the quality and structure of employees need to be optimized.
3. Write a 500-word essay on the topic of reforming Xiying Credit Cooperative into a rural commercial bank, preferably a poem or "Cherish the Inheritance".
-Parents' Guide to Writing
Deng Dalin of Zhongzhou Middle School in Zhongxian County, Chongqing
Parents, rich or poor, are committed to the growth of their children. "Licking calves, my wife and children have been busy urinating since birth 1 hour; . I have to go to school when I grow up, but I still worry about money. Children of married parents who have grown up create all conditions and cannot let go; From the child's feelings, I still don't want to make any molds. This is the love of parents, and it is endless love. . Parents' love, both. Physical care is also spiritual love, both of which are successful love; It is a failed caress, and the love of parents is as warm as the wind and as charming as the moon. . Parents' love requires learning and living; Serious and lively. In short, we can show our concern and love for our parents in all aspects.
There are many kinds of intimate love, the love of parents, but we must first learn to love others and win love!
Parents' love-like the first breeze of confused spring sent by your mother, when you stand on a cold street, the wind blows and the cold wind is chilly. Your mouth is thirsty and your smile is sweet. That's a warm smell, that's love.
When I was a child, I couldn't talk when I didn't want to nag. Parents will smile: "My love, call me father and mother." When you say the first sentence through your parents' long speeches and do everything possible, that kind of happiness and relief can't describe that all parents love you!
When I was a child, I was wronged or bullied by my classmates in kindergarten or 1 grade. When your parents come to pick you up, you will hit their weapons and cry. When your tears fall with a runny nose, paper towels or warm hands keep "swinging" on your face. I feel inexplicably happy and unforgettable. Their parents love you!
Low, that horrible report card you took is like crying tears, like death standing in front of them, and your heart beats faster. Look into their eyes, and dad will be angry and tell you to look and not let you eat. At night, my mother secretly carried a bowl of noodles, watching you eat like a cat, watching you drink soup, watching my mother, and my mother gave it to you with a smile. Maybe your tears will fall, your heart will be a belief, and the future will be a good test. This is the power that mom gives you love!
Young people are still doing your homework diligently, and the tragic ending of your parents is exactly the same bowl of noodles. You may be rebellious and say, "God, what is this? Don't bother me with noodles I also like doing my homework. If I fail in the exam, you count! " "Maybe these words will break their hearts and the noodles will leave quietly. You will find that after you finish your work, the hungry gourmet uncle will stop rolling, and they will stop heating noodles immediately. You eat at sixes and sevens, parents quietly gnash their teeth, "baby, eat slowly and be careful!" But you will say impatiently, "you can't even let me eat!" " "When you write, but always ignore a bowl of noodles, secretly observe the time when you finish this work. Before this, the deep love for noodles in the bowl has been forgotten in your heart!
Young people who study in this field, their parents can't help, but they are worried about you. You are very angry and say to them, "Come on, what are you looking at? Will the class reunion laugh at me? " When parents are forced to pay, they will be very worried about writing a few blessings after remittance. When you saw it, they said mercilessly, "Please don't write these words. Isn't it bad custom?" "In fact, the love they gave us has been recorded in that little preface!
Parents are very satisfied with their jobs, and sometimes tell them to go home often, have free dinners and even more families. Busy, but you will say, "Oh, I'm too busy. If I have time to go home for dinner, you just have to take care of yourself. Leave me alone! " "But you say a few words, parents are more worried, can't eat. Parents always keep their love for you in their hearts!
When people reach middle age, they must always recall the past and often tell their parents to spend more time with them. If you think they love themselves, they completely refuse, and they are not in the mood for their parents, but you say, "Take care of yourself, your daughter. Don't run often. We will take care of ourselves. Just take care of yourself!" "Tears suddenly fell down, and I really wanted to express their apologies by crying with my own body, but it was too late. In fact, you don't know that their love for us has been buried by words! ! !
Postscript: While parents love us, we should also understand them, otherwise it may be too late for you to always try to correct them!
4. How to transform rural commercial banks into the first, allow differentiated market access, and better serve agriculture, rural areas and small and micro enterprises.
Rural commercial banks have long been rooted in the lowest financial market in China, and they are most familiar with, experienced and conscious of micro-finance and three rural financial services. Therefore, the future development of rural commercial banks should allow the following two types of rural commercial banks to coexist: one is the majority of small and medium-sized rural commercial banks.
Because of its scale and ability, this kind of rural commercial bank takes it as its own responsibility to cultivate the local land, serve local small and medium-sized enterprises and develop retail banking business, go deep into the community, strengthen its determination and confidence to be a community bank with local characteristics, and compete with state-owned banks and joint-stock banks in a misplaced manner; One is a few excellent large-scale rural commercial banks, such as those with assets exceeding 654.38+000 billion yuan and supervision rating above Grade II. This kind of rural commercial bank is large in scale, with good internal control, serving agriculture, rural areas and small and medium-sized enterprises in place. The regulatory policy may consider allowing it to break through the geographical restrictions and develop across regions in the province, especially to agricultural areas below prefecture-level cities.
Second, implement the transformation strategy and move towards the road of refined management. With the continuous development and change of economic and financial environment and situation, especially the acceleration of interest rate marketization, and the influence of stricter capital supervision, financial disintermediation, technical disintermediation, intensified competition in the same industry, technological innovation and changes in customer demand, the management and sustainable development of the banking industry are facing more severe challenges. The extensive business model and profit model in the past are unsustainable, so rural commercial banks need to carry out strategic transformation to achieve sustainable development.
In order to adapt to the development of the new situation and the requirements of transformation and reform, it is urgent for rural commercial banks to carry out the "second strategic transformation" in five aspects: corporate governance structure, mechanism innovation, business transformation, talent reserve and brand marketing. Only by optimizing the asset structure, customer structure, product structure, income structure, talent team structure and internal organizational process structure can we lay a good foundation for the implementation of the refined transformation strategy. Third, optimize channels to improve customer viscosity.
As a regional financial institution, rural commercial banks need to intensively cultivate the local market, improve the depth and breadth of financial services through channel optimization, provide customers with integrated and one-stop all-round financial services, and improve customer viscosity. In terms of channel construction, it provides online and offline 7*24-hour service coverage without blind spots, and online and offline one-stop "financial stores"; In terms of products, according to the demand characteristics of different customers, we will promote integrated product design and lock in customers.
Through channel optimization and product design, we can improve the viscosity of target customers and increase the income of intermediary business. Fourth, use big data to improve management ability and level online.
Rural commercial banks not only need to pay attention to the construction of basic databases, but also need to deal with big data professionally to improve the ability and level of big data management. Improving the accuracy of risk measurement requires at least three to five years of basic data accumulation, which is the most basic requirement of big data construction.
At the same time, we need to pay more attention to the management of big data, build a customer management system, and tap and gain insight into customer needs. From having data to realizing information symmetry, we will prevent and control risks and "tailor-made" financial services for customers.
Fifth, tap innovative business, save capital and realize income diversification. Over-reliance on the extended growth model of asset expansion can not improve the sustainable profitability and capital replenishment ability of rural commercial banks for a long time. We should vigorously develop intermediary businesses and other businesses that consume little or do not occupy capital, and pay attention to increasing the proportion of non-credit assets in total assets.
We can take credit business as the guide, expand and innovate banking business, and improve comprehensive service capabilities, such as expanding and extending financing advisory services, bond underwriting and distribution business, private banking business, wealth management business, payment and settlement business, etc. Enlarge and strengthen traditional intermediary business such as bank card, agency payment and agency insurance. To realize the leap and promotion of scale benefits. Comprehensive management is the development trend of international financial industry today, and it is also an important channel to accelerate the promotion of competitiveness. Rural commercial banks should actively and steadily promote the application for innovative business qualifications according to their own conditions, strive for more innovative intermediary business qualifications, and achieve breakthroughs in innovative intermediary business.
At the same time, strengthen exchanges and cooperation between peers. The overall scale of the national rural credit cooperative system is huge, but individual rural financial institutions are "based on one side", with relatively small scale and great differences in business development. Rural financial institutions need to strengthen exchanges and cooperation, learn from each other's development experience, and achieve the development goal of "* * *".
5. What can I do for rural commercial banks based on my own learning experience? Working in a rural commercial bank may not add any amazing benefits to our big family and solve any big problems. But we will stick to our posts and do our best to perform our duties. Receive every customer with full work enthusiasm and serious and responsible work attitude. With the work spirit of being brave in dedication and the work consciousness of being willing to innovate, starting from oneself and reality, take the initiative to assume the responsibility of work, retreat despite difficulties, and do our best. In addition, pay more attention to the cultivation of their own ability, strengthen learning, improve their professional ability and improve their own quality. Work carefully, find problems in time, make suggestions for the work, be brave in realizing innovation in the work, work hard, work hard, and contribute silently to rural commercial banks.
In our ordinary posts, we can't do any earth-shattering feats, and there are no magnificent deeds. We just want to do our best to successfully complete the task, do our duty and have a clear conscience about our work. Only by doing one's own job well can it be more conducive to the leaders to make correct decisions, and the rural commercial banks can develop healthily and vigorously, and at the same time contribute their own strength to the society.
Finally, while silently contributing to our rural commercial banks, I sincerely wish them better and better on the road ahead!