5 Bank Employee Work Plans for the New Year

Banks are financial institutions established in accordance with the law to engage in currency and credit business. They are the product of a commodity currency economy that has developed to a certain stage. Banks also need to have work plans, otherwise there will be no goals. Here is the work plan for bank employees in the new year that I have compiled for you. If you like it, you can share it with your friends!

Bank employee work plan for the new year 1

By studying the spirit of this meeting, I saw the excellent work style of the old loan officers, and at the same time I also discovered my own shortcomings. As new employees, we should not only learn excellent professional skills from them, but also learn from their excellent qualities of hard work and hard work. During the meeting, the old comrades talked about their rich credit work history. The road they have traveled is a textbook for me, and what I need to do is to work hard to learn from their work experience, professional skills, and marketing strategies to lay the foundation for future work! In response to the five questions raised by Governor Zhou at the meeting, I would like to put forward my simple views and opinions below.

1. How to implement daily work

(1) Complete work plan. An orderly work plan is the first step for smooth work. At the end of each working day, you should be fully prepared for the next day's work. For example: ask your partners in advance to understand each other's plans, and reasonably arrange the publicity investigation route; when there is an investigation plan, you should inform the client when and where, and materials need to be prepared to complete the investigation quickly and effectively; when there is a visit plan, key people should be notified in advance, and Have gifts ready.

(2) High work efficiency. Give yourself a simple schedule every day. For example: meeting with customers to sign contracts and loan loans at noon, doing publicity, post-loan inspections, and overdue collection work in the morning and afternoon, and doing investigation reports, system entry, and file organization in the evening. At work, we insist on finishing today's work today. What can be investigated today will not be postponed until tomorrow. If we can promote one more household, we will never visit one less.

(3) A down-to-earth work attitude. A down-to-earth work attitude is not only responsible for the unit but also for oneself and family. At work, we must abandon the idea of ??"working for the leader" and change from a tenant mentality to an owner mentality, from "I want to work" to "I want to work". Only by maintaining a down-to-earth work attitude can we truly enjoy the process of work and achieve personal and organizational goals. Win-win!

(4) Close cooperation between the front and back offices. The lack of team spirit in any work will definitely affect the business development of the entire unit. Currently, there is a phenomenon of "everyone is sweeping away the snow in front of the door" in my unit. I think there are two reasons for this phenomenon: one is employee mentality, and the other is management decision-making. For example: in the loan process, the approval efficiency is low and the role of each position cannot be effectively played. I think that while ensuring the separation of loan review and loan review, each position should perform its own duties and be closely linked. When employing people, we need to make the best use of their talents so that the work process can run efficiently.

2. How to make good use of the database

The prerequisite for making good use of the database is to establish a complete and practical information base. The current content of information collection is too simple, with only basic information such as customer name, phone number, and business content, and the process of entering it into the database is also a mere formality. I believe that in the process of information collection, we should capture as much comprehensive information about customers as possible and segment the customers. According to the customer's attitude towards the loan officer, they can be divided into: resistant type, neutral type, and positive type. Make different notes for different types of customers. Especially customers who actively cooperate and are interested in the promotion process must make a second visit or telephone return visit.

At present, there are certain irrationality in the provincial bank database template. Loan officers can make appropriate deletions and additions based on their own working methods to ensure the authenticity and validity of the data. In terms of the use of the database, it should be subdivided according to industry rules, and industries with strong capital needs should be screened at different periods for targeted publicity and marketing to achieve targeted results.

3. How to do a good job in publicity work in the next two months

According to the provincial bank’s work idea of ??“consumption first, business later” next year, while actively promoting small business loans , focusing on promoting consumer loans. Focusing on the key points during the publicity process, each township has 2-3 schools. Key people can enter the schools and promote our bank's consumer loans to them during the school's faculty meeting. At the same time, you can work with the retail account manager to cross-market our bank’s credit card group business.

When visiting schools, be sure to distribute gifts from our bank to get closer to customers. When there are difficulties in finding key people, you can use the introduction of acquaintances and check the guarantor information of our bank's re-employment loan files. Most of them are teachers from various towns and villages, which can be used as a breakthrough. The work plan of the bank account manager is to make full use of the database according to the characteristics of the industry cycle in other loan promotion processes, identify the target industries for targeted promotion, pay attention to marketing skills during the promotion process, and highlight the advantages of our bank's loan products among peers. .

4. How to eliminate blank villages and blank units

There may be three reasons for the emergence of blank villages and blank units: First, the publicity is not in place; second, there are customers in the area but do not exist Prospective customers, and third, peers are the first to seize the market. According to different situations, we need to formulate different strategies. For the first situation, we can increase publicity and spread the publicity; for the second situation, we need to formulate feasible marketing strategies, cultivate customer habits, and turn an ordinary customer into our target customer. Customers: For the third situation, you can find 1-2 key people in the area, establish a good personal relationship with them to create a sense of trust, change the customer's mentality, and then develop our bank's business. It is difficult to eliminate blank units and blank villages, and it also requires loan officers to have a perseverance mentality.

Bank’s new year employee work plan 2

According to the actual situation of our bank’s accounting and settlement work this year, next year’s work will mainly focus on three aspects: service and quality. , Grasping quality, we will now formulate the work ideas of our sales department in 20-20 based on these three aspects.

1. Customer-centered and provide settlement services. Customers are the source of our survival. As the sales department is also the window to the outside world, the quality of service directly affects the credibility of our bank

1. Our bank has always advocated the "first inquiry responsibility system" and " We will continue to implement "full-time service", "standing service" and "three-ring service", and ensure that every employee can treat every customer patiently and satisfy customers.

2. As competition in the financial industry intensifies, customers have higher and higher requirements for bank services, not only in counter services but also in our bank’s service varieties. In addition to continuing to provide In addition to doing a good job in agency settlement of utility bills, taxes, fiscal charges, traffic fines and confiscations, and BSP aviation agency, we must also do a good job in various service types such as highway network tolling business, open-end fund acquisition business, and securities business that will be launched next year. , improve the competitiveness of our bank.

3. Actively strengthen contact with personal business, participate in personal business, and become familiar with personal business to better serve customers. Although the integrated business system has been implemented, it has not been truly integrated due to various reasons, which is a shortcoming in the work of my sales department.

4. With the bank as the classroom, next year we will hold a lecture on bank settlement methods to increase people's financial knowledge, let customers know more about the bank, get closer to the bank and integrate into our bank's business.

5. Continue to do a good job in telephone banking, self-service banking and online banking, and promote the use of online banking services to high-quality customers.

2. Strengthen internal control system management to prevent risks and ensure work quality. With the increase in financial crime cases in recent years, we have higher requirements for operational standards and system implementation.

1. Supervise the science and technology department to replace the computer interface of my sales department as soon as possible, and then strictly implement the division of power according to the requirements of the comprehensive business system, one post, one card, one person, one card, to enhance the rigidity of system execution. Improve binding force.

2. Further strengthen the internal control and external defense of important links and important positions, focusing on strengthening account management (to ensure the quality of our bank's account opening units) and door-to-door services.

3. Further strengthen the accounting and cashier system, strictly implement and inspect the accounting and cashier system, and standardize the use and storage of accounting seals and blank important vouchers.

4. Focus on promoting the sale of payment ciphers to ensure the security of bank-enterprise settlement funds and further improve our bank's means of preventing external settlement risks.

5. Standardize business operation procedures, strengthen the general accounting daily inspection system to discover hidden dangers in a timely manner, reduce errors and eliminate settlement accidents.

6. Effectively implement the business guidance and inspection of branch offices.

7. Carry out regular assessment of accounting quality.

3. Put people first to improve the overall quality of employees.

The quality of employees is fundamental to the development of a bank. Under the current frequent turnover of personnel, our business department urgently needs a high-quality team

1. Check the recruitment and employment of employees. The banking industry sounds beautiful, but it is actually full of competition and risks, so you need to have a certain psychological quality and cultural accomplishment to work in our sales department. In terms of employment, suitable positions should be determined based on the employee's ability and the ability to maximize the employee's potential, thereby improving employee enthusiasm.

2. Strengthen business training, which is also the most urgent next year. The training plan has been submitted to the personnel department to prepare basic knowledge on the cashier system, payment and settlement methods, comprehensive business system accounting system, new accounting subjects, etc. and training on various emerging businesses.

3. In the case of tight personnel, it is still necessary to strengthen on-the-job training. In addition to participating in next year's technical competition, it will also improve the professional level of employees.

4. Do diligent ideological work of employees, care and encourage employees, and strengthen employees’ psychological quality.

5. Carry out job rotation in a planned and purposeful manner to train each employee to transform from a single operation to a mixed multi-functionality.

The bank’s employee work plan for the new year 3

Improve the quality of credit work and strengthen our company’s credit management in the new year. Establish an awareness of risks and responsibilities, achieve clear responsibilities, carry out credit work in an orderly manner, promote the standardized and steady development of our company's credit work, and comprehensively complete the credit work tasks and goals. We now provide the 20-year bank credit work plan of the company's business department :

First, strengthen business training.

Strengthen the construction of the account manager team from the perspective of "prioritizing internal control and prevention, and strengthening system implementation in the new year." In 20--20, we will focus on the training of front-line credit personnel. In the first quarter, we will conduct popular training focusing on financial regulations, various systems, business concepts, and credit business standardized operating procedures and requirements, so as to cultivate and cultivate talents in a relatively short period of time. A group of employees who are politically strong, of high quality, of high professional quality, and able to adapt to the pace of reform. Regularly organize and study financial policies and the spirit of superior documents, strive to improve political awareness and professional quality, and enhance the consciousness of operating in compliance with laws and regulations. At the same time, special training is provided for new businesses such as five-level loan classification.

The second is to strengthen credit management. Improving the quality of credit assets:

First, strengthen the management of the loan authority of various cooperatives and loan officers to ensure the quality of new loans. It is strictly prohibited for all companies and credit personnel to issue loans beyond their authority. The second is to intensify the investigation and punishment of illegal loans such as inter-regional loans, favor loans, and loans to large households, and reward each case found. The third is to carefully carry out pre-loan investigations, accurately predict the borrower's income, and ensure that the loan is recovered on schedule. The fourth is to strictly implement the large-amount loan management system. The fifth is to strictly control loan approval, strictly review whether the loan investment is legal, whether the term is reasonable, whether the interest rate is correct, whether the first responsible person is clear, whether the collateral is true and legal, whether the guarantor has the guarantee strength, whether the loan file is complete, etc. Through the above measures, we ensure that the quality of credit assets improves year by year. Sixth, comprehensively carry out unified model, standardized and standardized management of credit files, implement special counter archiving, dedicated personnel for safekeeping, and establish a transfer registration system to ensure the integrity of the files. When personnel are transferred or changed, loan files should go through the transfer procedures, and the surrenderer, transferor and supervisor *** all sign on the transfer list to promote the upgrading and upgrading of credit file management work in credit unions under the jurisdiction.

The third is to increase the marketing efforts of new financial products.

In recent years, banks have increased innovation in credit products. The variety of loans has been increasing from time to time, and the level of credit services has been significantly improved. However, there are still some deficiencies in the determination of loan repayment methods and loan periods. For this reason, the Provincial Association of Shandong Province issued the Interim Methods for Loan Installment Repayment of Rural Credit Cooperatives in Shandong Province on November 14, 2020, in order to meet the needs of loan customers. Different needs, to alleviate the pressure of centralized loan repayment, further improve the level of credit management, and prevent credit risks, the company's business department will introduce loan installment repayment in credit management in 20-- to improve the needs of credit service functions and eliminate the need for some customers to Credit funds are temporarily occupied, risks continue to accumulate and exposure is delayed, increasing the consequences of credit risks.

The fourth is to increase the enforcement of credit rules and regulations.

To train the quality of bank employees, we must first implement the "three checks" system. Make each bank employee work plan on a detailed basis and do things in the right way.

We insist on preventing loan risks first and granting loans later. Each loan is carefully investigated, reviewed and inspected according to the content, requirements and order of the "three checks", and the "three checks" record book is filled in for strict assessment. Loans approved by the association must have an investigation report by the credit officer and the credit union's meeting record, and they must be reviewed by another person. Secondly, we must implement the system of separation of review and loan, and implement the management system of separation of review and loan and hierarchical review and approval for loan issuance. Loans of all grassroots credit unions must be reviewed and approved by the collective meeting of the loan review team. Large loans must be reported to the association's loan review committee for review and approval, and It is stipulated that grassroots credit cooperatives must issue loans regardless of the amount, and each loan must be reviewed, registered, and signed by the director in charge before it can be issued, and loan officers must be resolutely prevented from lending "with one hand". Third, we must increase the intensity of punishment for violations of regulations and disciplines, seriously investigate and deal with those who violate disciplines and regulations, and implement administrative penalties such as on-the-job collection and off-duty collection for those responsible for non-performing loans due to disciplinary violations and other reasons. If the circumstances are serious, the responsible person shall bear the responsibility Loan liability.

Fifth, clarify the focus of credit extension.

Make clear the direction of credit. The first is to increase the proportion of mortgages and loans. In 20-20, our department will follow the principle of “categorized guidance and differentiated treatment”. Reduce risk assets. When issuing loans, urban cooperatives should apply for more mortgages and loans and less guaranteed loans to optimize the credit structure and reduce risky assets. They should vigorously issue real estate mortgage loans and increase the proportion of mortgage loans. It is necessary to rationally adjust the loan guarantee method. For new urban residents and self-employed loans, we must deal with store house mortgage loans and personal house mortgage loans to the maximum extent. In principle, urban communities will not deal with joint household joint guarantee loans, and resolutely put an end to loans to large households and top-up loans. Fake loans. The second is to increase support for guaranteed loans by leading agricultural enterprises, specialty agricultural product bases, and guarantee companies. It is necessary to actively support the development of small and medium-sized enterprises, especially to provide key support to small and medium-sized enterprises with clear property rights, high credibility, industries and projects that comply with national industrial policies and promising development prospects.

Sixth, continue to do a good job in five-level classification.

The Bank has comprehensively implemented the risk classification of credit assets. Since 20-20, it has basically achieved the results of scientifically measuring risks, clarifying risk bases, and strengthening credit management. However, in actual work, various companies still have some problems at different levels: first, the ideological understanding is not in place, and the importance and difficulty of risk classification are insufficiently understood; second, the quality of personnel does not match, and the method of accurately applying risk classification methods to identify There is still a big gap in preventing and controlling credit risks; third, the basic work of risk classification is not solid, the risk classification system is not perfect, and the classification sequence and identification organization are not standardized; fourth, risk management capabilities are not strong and credit assets cannot be closely integrated Different risk categories and characteristics require targeted enhanced management measures, etc. Regarding the above issues, in 20--20, our department will further strengthen the concept of risk management, improve the working mechanism, improve work measures, and regard risk classification as an important task to strengthen credit management and improve the long-term risk prevention mechanism. Effectiveness.

Bank employee work plan for the new year 4

1. Take the initiative to learn and improve skills.

As an account manager who has been employed for one year, I have not worked long hours and have no experience in working as a counter. This is indeed my shortcoming in my work. There is a certain distance between your own skills, marketing capabilities and experience and the performance of your account manager. Therefore, at work, we must continue to strengthen our own learning, improve our personal qualities, strive to improve our business skills, and strengthen our own risk management awareness. Continuously summarize, continuously learn, and continuously accumulate, and strive to be able to calmly deal with various problems that arise in daily work.

Second, maintain customers and expand the market.

Actively contact customers, care about customer needs, and introduce our bank's new business products to customers in a timely manner. For upstream and downstream companies with existing customers, they should dig deep and carry out marketing work targeting each link of the customer's trade chain. You should proactively and frequently keep in touch with customers, discover customer needs, guide customer needs, and provide timely satisfaction to provide customers with "one-stop" services. For existing customers, we must maintain regular contact with them, and for potential customers, we must actively develop them. The purpose of development is mainly to market products and strive to achieve a "win-win" situation.

First of all, in line with the principle of "win-win for banks and enterprises", we must calculate the bank's input-output accounts, calculate accounts for customers, and design the most appropriate financial product portfolio for customers;

The second step is to segment customers, establish target markets and potential customers, and analyze and evaluate customers in all aspects. Always maintain contact with customers and mobilize their resources, use effective communication methods and communication strategies to maintain relationships with customers, and conduct fruitful visits and observations to customers.

Third, in dealing with customers, we must actively promote banking products. Good at discovering customers' business needs and actively suggesting and recommending applicable products to customers in a targeted manner. If there is a need, report it to the relevant departments in a timely manner and actively explore the possibility of developing special products for it. Fourth, strengthen risk management and effectively monitor and control customer risks. Pay close attention to the changes in all aspects of customer production, operation, and management and the flow of large amounts of funds. No matter what problems arise, they must be considered in conjunction with asset security and take timely measures.

3. Think divergently and be brave in innovation.

With the reform of my country's economic system and financial system, the trend of customers choosing banks has taken shape, and competition among peers has become increasingly fierce. In terms of business development, how to serve key customers well plays an important role in our bank's business development. plays an important role. In the new year's work, we must always focus on researching the market and paying attention to market dynamics. Researching the market means analyzing the marketing environment. On the premise of grasping the objective environment, we should study customers. Through the study of customers, we can understand the rules of customer fund operation. , and strive to track customers' downstream funds to our bank, achieve "monopoly control" of funds from the source, realize the internal circulation of funds, and consolidate our bank's financial strength.

The bank’s new year employee work plan 5

--- is the second year that the business department has implemented new performance appraisal methods, and it is also a year in which the business development of the branch faces severe challenges. . To this end, the branch office carefully summarized - based on the work of 2018, we will have a deep understanding of the current situation, identify the pulse of the market, exploit our strengths and avoid weaknesses, and focus on "improving the level of operation and management and accelerating business development", working together with one heart and one mind, and striving to achieve various businesses Healthy and rapid development.

1. Focus on leveraging the advantages of outlets, seize development opportunities, and promote the rapid development of advantageous businesses.

Savings deposits are the foundation of a bank’s survival and are also one of the important indicators for the president’s target assessment. Branch office - The annual savings deposit time point and daily average indicators have been completed relatively well. As a strong indicator of the branch, we must also firmly grasp the savings deposit business next year and not relax, proceed steadily, and promote the healthy development of the branch. --The first quarter of the new year is the peak marketing season of the year, and competition for deposits among banks will be fierce. How to seize opportunities and win in peak season marketing is the main task of the coming year. The basic idea of ??deposit marketing for branch offices is "get in and stay stable".

First of all, the so-called "getting in" means vigorously exploring deposit resources, transferring deposits from other banks and circulating funds in the market to our bank, so that deposits at the branches can grow rapidly. First, mobilize all employees of the firm to actively provide deposit marketing clues. As soon as valuable marketing clues are found, account managers and relevant marketing personnel will take action immediately and use various methods to contact customers and strive to transfer funds. Secondly, take advantage of the Spring Festival when a large amount of funds are withdrawn to promptly discover and track the flow of customers' funds, and turn short-term hot money into long-term deposits. Thirdly, make full use of the existing publicity methods of my branch, such as SMS marketing, promotional slogans, etc. to convey the information about the deposits I have absorbed and attract customers to take the initiative.

Secondly, "stable", the key to stability is to firmly retain the firm's existing deposits. The first quarter is the peak season for banks to transfer deposits. Competition among major banks must be extremely fierce. The existing deposits in my branch are also at risk of being transferred by other banks. According to current statistics, a total of millions of time deposits in our branch are about to expire in the first quarter. Whether we can retain this part of the funds is crucial to us. Therefore, we draw on the successful experience of marketing in 2019 and take the initiative to contact customers who are about to expire and give marketing gifts to customers to stabilize at least 50% of the funds.

Thirdly, capital-guaranteed financial management is a two-way calculation product for deposits and financial management. It has a short time, fast turnover and high interest rate, which can attract some customers with higher requirements for capital liquidity.

Marketers at counters and outlets can increase the sales of principal-guaranteed financial products, which can serve as a useful supplement to deposits and also serve the purpose of promoting the growth of outlet deposits.

2. Combined with the characteristics of the outlets, vigorously expand merchant cards and increase the number of cards issued. Use points to promote areas, use cards to attract deposits, and drive all-round business development.

The branch office is located in a prosperous urban area with convenient transportation and numerous merchants. Each merchant is a potential customer of the Merchant Friend Card. Using the new merchant card as a medium, it can attract merchants to pay for goods and increase deposits at outlets, drive new POS transfer work for small and medium-sized merchants, and at the same time promote credit cards to merchants, achieving multiple goals with one stone. At present, the main follow-up project of our outlet is the expansion of Merchant Card merchants in Women's City. The specific work will start from November 2020 to carry out merchant mapping and promotion. In the coming year, the person in charge of the branch will take the lead and the account manager will be responsible for further intensifying follow-up efforts to change the previous single and passive situation of business expansion.

5 related articles on bank employees’ work plan for the new year:

★ 5 bank employees’ work plan for the new year

★ 5 bank employees’ annual work plan

★ Five personal work plans for new bank employees

★ 5 personal work plans for bank employees in 2020

★ The latest bank personal work plans 5

★ Five personal work plans for bank staff

★ Five detailed work plans for bank staff

★ 2020 bank work plan

★ 5 personal work plans for bank employees in the second half of 2021

★ 5 complete bank work plans for the beginning of 2020