Summary of banking work in the first half of the year and plan for the second half of the year

Summary of banking work in the first half of the year and plan for the second half of the year

The first half of the year is about to pass, so we should do a good job summary and work plan for the second half. The following is a summary of the work of the banking industry in the first half of the year and the plan for the second half of the year, hoping to help you!

Summary of Banking Work in the First Half of the Year and Plan I for the Second Half of the Year

In the first half of the year, under the correct leadership of the Party Committee of Jiaxing Zhongzhi Branch, with the Party's mass line education practice activities as the main line and the grass-roots central bank as the guidance, the branch conscientiously implemented the spirit of President Zhou Xiaochuan's speech when investigating and guiding Jiaxing Zhongzhi Branch's education practice activities and special democratic life meeting. Taking the opportunity of President Zhou Xiaochuan's on-the-spot investigation and guidance activities in Jiashan Branch as an opportunity, it closely focused on the essential requirements of financial services for the real economy, improved financial services, maintained financial stability, developed inclusive finance and broadened financing channels, creating a demonstration site for the scientific development of XX county. In the first half of the year, three tasks were affirmed by the main leaders of cities and counties. President Zhou Xiaochuan was highly praised by President Zhou and Director Zhang Xin in the on-the-spot investigation and guidance of the branch's mass line education practice activities, and was informed and praised at the video conference held by the headquarters.

In the first half of the year, the branch focused on the following work:

Close to the masses and pay attention to line education. In accordance with the unified arrangements of the higher authorities, we will carry out the party's mass line education and practice activities in depth to ensure that? Four firsts? That is, learn first, go first, change first and do first. On April 8th, the branch, as a representative of the county branch, made a speech at the symposium on the investigation and guidance of Jiaxing Zhongzhi Education Practice by President Zhou Xiaochuan. On May 25, President Zhou Xiaochuan made a temporary motion to visit the cadres and workers of the sub-branch to guide and investigate the mass line education practice activities on the spot. The whole bank acted closely, United as one, and cooperated with each other, and made high-quality preparations within less than one day after receiving the notice. The branch practiced the mass line and actively performed the duties of the grass-roots central bank, which was highly praised by President Zhou, Director Zhang Xin of the Head Office and the whole jurisdiction.

Grasping People's Livelihood and Grasping inclusive finance: Formulating and Implementing the Printing and Distributing Plan? Close to the masses and serve the people's livelihood? 20 14 19 inclusive finance working measures. Deepen? Operation Chunhui? Three-year action to develop 20 14 credit to help small and micro enterprises benefit people's livelihood? Operation Spring Rain? . Has it started? Pratt & Whitney, Agriculture, Countryside and Farmers, Strive to Be Three Trusts? Series of activities, held XX county rural credit system pilot area construction promotion meeting and Sanxin credit signing meeting, and signed the village total amount of 260 million yuan on site? Wholesale style? Loan cooperation agreement and farmers' micro-credit loan credit agreement. Take the lead in signing financial support technology with the Science and Technology Bureau and the Economic and Information Bureau. Machine substitution? Enterprise tripartite cooperation framework agreement, establish scientific and technological and? Machine substitution? Wechat exchange platform for financial services of enterprises and banking institutions. Give further play to the credit support role of the loan fund, and issue loans totaling 654.38+0.8 billion yuan. Innovatively establish a network complaint platform for the protection of financial consumers' rights and interests.

Seek development, grasp first, try first: through foreign exchange services? Seven uses? The work of helping enterprises avoid risks and reduce costs has been affirmed by the vice mayor in charge of finance in XX city. Jiashan 20 13 total social financing analysis has been highly affirmed and instructed by the county magistrate and the deputy county magistrate in charge. The special investigation and analysis of photovoltaic industry in XX county has been affirmed by the deputy county magistrate in charge and forwarded to towns, relevant departments and financial institutions for study. Actively strive for the pilot settlement of foreign exchange by the superior bank and the declaration of centralized operation of foreign exchange funds by multinational companies. Suggested to the government to carry out the pilot business of rural housing property mortgage loan, which was adopted by the government and incorporated into the comprehensive supporting reform action plan of scientific development in XX county, and was approved by the provincial government. Actively create as a pilot in the city? Electronic payment shows XX county? . Take the lead in the city? Cash service demonstration site? Create. Complete the reform of township finance and centralized treasury payment. Join the city-wide walking system? Strengthen theory, increase skills and improve quality? The national treasury accounting knowledge contest won the first prize of the group.

First, comply with the expectations of the masses and enhance the driving force for funding demonstration construction.

(1) Demonstration leads financial innovation. Combined with the actual situation in Jiashan, the Guiding Opinions on Promoting the Construction of Scientific Development Demonstration Sites in XX County in 20 14 was formulated and issued, which guided the banking financial institutions in the county to highlight the key points of credit support, actively promote economic transformation and upgrading, and earnestly do a good job in promoting the construction of scientific development demonstration sites in XX County. Thoroughly implement the spirit of the Opinions of six ministries and commissions on Vigorously Promoting System and Mechanism Innovation and Serving technology and finance Solidly, and lead XX County Science and Technology Bureau and County Economic and Information Bureau to jointly sign the financial support technology and? Machine substitution? Enterprise tripartite cooperation framework agreement, establish scientific and technological and? Machine substitution? The WeChat exchange platform for financial services of enterprises and institutions realizes all-weather barrier-free services for financial services. Explore the rural housing property mortgage loan pilot, take the initiative to suggest to the government to carry out the rural housing property mortgage loan business pilot, which was adopted by the government and incorporated into the comprehensive reform action plan for scientific development in XX county, and was approved by the provincial government. In conjunction with Jiaxing Zhongzhi, the pilot promotion of rural housing mortgage loan was investigated, and a symposium on the pilot work of rural housing mortgage loan was held to actively strive for pilot activities.

(2) Actions to promote financial inclusion. Develop and print "? Close to the masses and serve the people's livelihood? XX county 20 14 inclusive finance implementation plan, from optimizing the structure, increasing credit input, innovating services, broadening financing channels, intensifying construction, improving credit environment, striving for resources, optimizing financial allocation, improving services, promoting convenient payment, popularizing knowledge, and safeguarding people's rights and interests, etc., implements the work measures of inclusive finance 19. XX County Finance Bureau and Economic and Information Bureau jointly launched? Practice the mass line and serve small and medium-sized enterprises? 20 14 theme of credit helping small and micro enterprises and benefiting people's livelihood? Operation Spring Rain? . Hold a working meeting to decompose and implement the annual credit support for small and micro enterprises 1 10,000 households with good market prospects and strong competitiveness, so as to ensure that the annual growth rate of loans for small and micro enterprises is not lower than the growth rate of all loans, with new loans for small and micro enterprises 1 10,000 households, 6,250 personal loans for people's livelihood, and 4 billion yuan of new loans for small and micro enterprises and people's livelihood groups. Actively apply to the superior bank for two re-loans for supporting agriculture of 50 million yuan, accounting for 50% of the total increase of Jiaxing re-loans for supporting agriculture, effectively enhancing the financial support for benefiting farmers. We will further publicize, manage and give play to the role of the SME loan fund, and effectively help the growing SMEs to solve their cash flow difficulties. A total of 520 loans were granted, with a total amount of 1.85 1 billion yuan, benefiting 1.78 enterprises, which were well received by leaders at all levels and all walks of life.

(3) Three letters of excellent financial ecology. Has it started? Pratt & Whitney, Agriculture, Countryside and Farmers, Strive to Be Three Trusts? Series activities. A promotion meeting for the construction of the experimental area of rural credit system in XX county and a signing meeting of Sanxin Credit were held, and the whole village with a total amount of 260 million yuan was held on the spot. Wholesale style? Sign a loan cooperation agreement with the credit agreement of micro-credit loans for farmers. Deepen? Credit towns, credit villages and credit users? Evaluation: In the first half of the year, a total of provincial credit villages 1 each, municipal credit towns 1 each, credit villages 15, 2 county credit towns and 70 credit villages were evaluated. Guide Jiashan Rural Commercial Bank to aim? Sanxin? Evaluate the results, formulate financial preferential policies and promote development? Agriculture? Zitong series loan products will increase the credit loan amount from 654.38+10,000 yuan to 300,000 yuan, which really benefits honest rural areas.

(4) To study and guide financial development. Organize the annual research information work meeting of the sub-branch and implement the research information task of all staff. Actively play the role of youth innovation interest groups, intensify research on topics, and strive to cultivate research-oriented youth teams. The special investigation and analysis of the total social financing and photovoltaic industry has been highly affirmed and instructed by the county leaders. Development and financial support of farmers' professional cooperatives? Take XX County as an example. Feasibility study on monetization of farmers' real rights? Taking the rural housing mortgage loan in XX county as an example, through the financial investigation and analysis in Zhejiang, this paper analyzes the debt operation and risk resolution path of Jiashan local government under the new situation. Relying on the platform of financial association effectively and improving the research level of grassroots finance, XX County Financial Association was selected as a 4a-level social organization by the County Civil Affairs Bureau and an advanced collective in 20 13 by the County Association for Science and Technology. Organize the financial system to carry out the annual project bidding activities of the Municipal Finance Association and the County Association for Science and Technology.

Second, safeguard the interests of the masses and improve the prevention and control of regional financial risks.

(1) Strengthen comprehensive management. Organized the comprehensive evaluation of banking institutions in 20 13, and evaluated, scored and notified the business work of two banking institutions in the county. Do a good job in the examination and approval of the opening of two newly established branches in the first half of the year, and organize six people to take the qualification examination for the heads of secondary branches. Organize on-site inspection of county ICBC, Bank of Communications and Postal Savings Bank to carry out cash receipt and payment and counterfeit currency collection and identification business. 20 13 participated in the evaluation of five small loan companies in the jurisdiction. XX county economic and information bureau, finance bureau, banking supervision and other departments conducted on-the-spot audit, and jointly declared the application for small business loan risk compensation of three banks under their jurisdiction in 20 13. Organize small loan companies to carry out statistical business counseling.

(2) Strengthen risk monitoring. Strengthen the management of corporate loans within its jurisdiction, urge banking institutions to make full use of the credit scale, and actively communicate with superior banks to report the actual scale demand. We will earnestly do a good job in monitoring and managing the liquidity of small legal persons within our jurisdiction before the Spring Festival, arrange legal persons within our jurisdiction to carry out pilot projects of standing loan facilities for branches of the People's Bank of China, and provide short-term liquidity support to qualified small and medium-sized financial institutions. Organize quarterly informal lending rate monitoring point exchange forum. Supervise and guide Jiashan Rural Commercial Bank to do a good job of qualified and prudent evaluation on a regular basis, and at the same time strengthen the management of short-term interbank lending rates. According to the unified arrangement of the superior bank, in accordance with the "XX City Bank Credit Asset Quality Inspection System", timely conduct on-site inspections on the quality of credit assets of banks within their jurisdiction, and conduct on-the-spot investigations to understand the dynamics and collection of non-performing loans of banking institutions. Complete the evaluation of guiding effect of agricultural credit policy in 20 13.

Summary of Banking Work in the First Half of the Year and Plan II in the Second Half of the Year

In the first half of the year, our branch earnestly implemented the work arrangements of the head office and XX branch? XXXX、XXXX、XXXX？ Work policy, fully cooperate with the transformation of outlets, strengthen the construction of staff, strengthen internal control and risk management, and make concerted efforts to ensure the smooth operation of various indicators in the first half of this year, laying a solid foundation for completing the annual objectives and tasks.

I. Completion of various indicators

In the first half of this year, affected by the debt crisis of many European countries and the downturn of domestic market economy, the development of the financial system slowed down, making it more difficult for the financial industry to operate and develop. Under the unfavorable climate, our sub-branch United as one, and all the employees, Qi Xin, worked together to achieve all the indicators in the first half of the year. By the end of June, our branch;

(1) Enterprise indicators have increased substantially. At the end of June, the company's deposit balance was XXX billion yuan, an increase of XXXX billion yuan compared with the beginning of the year. Both the growth rate and the actual growth amount were in the forefront of branches under the jurisdiction of XXX Branch. The company's deposits increased by XXXX every day, ranking X among all branches of XXX Branch, and opening XX new company accounts. In terms of credit business, through the efforts of credit personnel, in order to avoid risks, our sub-branch * * * recovered personal loans of XXX million yuan in the first half of the year to avoid the risks brought by interest rate fluctuations and launched XXXXX. The fourth-grade non-performing loans recovered XXXX million yuan, and the overall quality improved.

(2) All the gold indicators in the annual plan have been completed well. According to the data in May, among the comparable indicators of 14, XXX items exceeded XX points, and 5 items got full marks. The balance of savings deposits is XX billion yuan, an increase of XXXX million yuan compared with the beginning of the year, ranking third in XX branch, with XXX clients. Effective consumption amount of bank card XXX; Number of new special merchants XXX Electronic banking counter replacement rate XXX The effective number of new customers of personal online banking is small XXXX.

Second, the first half of the main work review.

(a) adhere to the employee-oriented, pay close attention to the construction of the staff, fully mobilize the enthusiasm of employees, enhance their sense of belonging, and strive to build a United, harmonious and efficient fighting collective. This year, our sub-branch regards team building as the top priority, works hard, does practical things sincerely, smoothes people's popularity and unites people's hearts. First, establish marketing incentives for XXXX branch, so that employees who have contributed to the development of the branch can get additional incentives while marketing incentives for the branch; The second is to organize regular training to improve the overall quality of employees. All the documents issued by superiors are understood and sorted by special personnel first, and the key points are extracted for employees to learn and discuss difficulties. Achieve high business accuracy. The third is to warm people with affection, lend a helping hand in time when employees are sick or have family difficulties, and increase assistance.

(2) Insist on customer orientation, sort out its own business structure, further expand the customer base by means of product marketing and personalized service, and ensure the rapid development of various businesses of the sub-branch. XXX Sub-branch has more than XXX corporate customers, with the number of outlets ranking second in the region, and corporate customer deposits account for 77% of the total deposits. How to use scarce personnel to market and serve a huge customer base is the focus of the work. Our company has formulated the following set of measures:

First of all, establish your own customer grading marketing system. While exploring new customers, we should pay attention to maintaining existing customers. According to the deposit amount of 6.5438+0 million-5 million, 5 million-6.5438+0 million, 6.5438+0 million, customers are classified and managed. Hierarchical, organize marketing personnel to conduct hierarchical marketing respectively; The second is to further improve the monitoring system for deposit customers, lock in deposit customers whose daily average balance exceeds XXXX million yuan, focus on monitoring, enhance the sensitivity to abnormal changes in customer deposits, and adjust marketing strategies in time. The third is to increase enterprise service tellers. At present, the Bank has arranged X corporate non-cash tellers and X corporate priority windows to meet a large number of daily corporate business; Fourth, make use of modern information means to keep close contact with customers through the Internet and inform them of our policies and product information at the first time.

(III) Implement the working spirit of the Head Office and XXX Sub-branch, and vigorously promote flattening. The flattening of business outlets is the structural trend of modern banks. After flattening, the three-tier intensive management mode can be realized, which greatly reduces the non-operating pressure of outlets, releases the human resources of grassroots outlets and stimulates the vitality of outlets. Our sub-branch ensures that the meeting spirit and document contents of the sub-branches under its jurisdiction are conveyed to every employee in the first time, and holds regular meetings to publicize the advantages of flat management, improve employees' ideological understanding, and ensure that employees can change their ideas in time during the flattening process of our sub-branch and actively participate in the competition activities at all levels of the sub-branch without any adverse events.

Third, some problems in the first half of the year.

First, the hierarchical management of high-end customers is still in its infancy. Although our bank has created its own hierarchical marketing management measures for customers, the hierarchical management of high-end customers is still in its infancy, and it is urgent for the whole bank to establish a differentiated service system for high-end customers, so that the marketing work of outlets can be followed by rules and resources can be utilized. Only through some high-end cultural salons, economic forums and other service means can we attract and retain customers.

Second, the team of account managers needs to be further strengthened. At present, our bank has fewer products, fewer account managers and less experience. The market competitiveness of most wealth management businesses is relatively poor; Most of them have achieved results through the continuous marketing of old customers by account managers, and they are obviously stretched in attracting new customers.

The third is the new business system in early June, and it will take some time for employees to get used to it. Four. Working methods in the second half of the year

In the first half of this year, the bank's various businesses developed steadily, and all indicators were greatly improved compared with last year. But we must also be soberly aware of the enormous difficulties and challenges we face in the second half of the year. In the second half of this year, the central bank may still cut interest rates again, and the loosening of interest rate pricing power has caused certain difficulties to our marketing work. The focus of our work in the second half of the year is:

1, continue to do a good job in team building, and further enhance the sense of organizational belonging and professional mission of all employees. Strengthen civilized service inspection, improve the professional quality, service awareness and customer communication ability of employees.

2. Further intensify marketing and customer service, further consolidate and develop the achievements made in the first half of the year, and make every effort to complete the annual objectives and tasks.

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