Three Concepts of Postal Savings Bank

Establish the concept of innovation and development, and seek the future in the process of change.

In the face of profound changes in the internal and external business environment, the Postal Savings Bank should rely on innovation to achieve transformation and upgrading, and promote innovation in mechanism, products and service models. First, establish and improve the innovation assessment and incentive mechanism to stimulate the enthusiasm of cadres and employees to participate in innovation. Second, according to the whole life cycle management process of bank products, a matrix product management organizational structure is established to form a variety of product toolboxes to improve product competitiveness. The third is to change the service mode, subdivide the service market, accelerate the service upgrade, provide customers with more personalized, professional and all-round financial services, and enhance the customer experience.

In 2009, China Agricultural Bank entered the final sprint year, and its business development faced severe challenges. Therefore, on the basis of summing up the work in 2008, we should deeply understand the current situation, identify the pulse of the market, resist the financial crisis, foster strengths and avoid weaknesses, and strive to achieve healthy and rapid development of various businesses with one heart and one mind around "improving management level and accelerating business development". The work plan for 2009 is as follows: 1. Improve internal management level, strengthen corporate culture construction and strengthen internal control management. The staff in all positions of the Bank are basically in place, so it is necessary to strictly implement the supervision and implementation of various rules and regulations, implement a management system of grasping the first level and implementing the first level, and assigning responsibility to people, strictly control the risks in all business links, strengthen the implementation of the system, further enhance employees' awareness of risk prevention, and ensure that the comprehensive evaluation of internal control throughout the year maintains the goal of being a first-class bank. 2. Improve service quality. Compared with peers, the service quality of our employees does have a certain gap, which is mainly manifested in the blunt service attitude and lack of initiative and professional level. To this end, we will strengthen evaluation and supervision, training and learning. Employees who have been repeatedly evaluated by customers for their poor service attitude will be listed as the object of stopping the renewal of the labor contract when it expires. 3. Strengthen and improve the assessment and incentive mechanism to enhance the enthusiasm and coordination of employees. By subdividing the market, highlighting the key points of business development, formulating specific work objectives and task plans, making full use of the powerful platform of performance pay assessment scheme, further increasing the intensity of rewards and punishments, praising the advanced and encouraging the backward, forming a good atmosphere of doing their own jobs, doing their best and developing together, and promoting business development. 4. Enhance the vitality of enterprises and build a United and harmonious family. Give full play to the leading role of women's federations and league branches, organize more collective activities, relieve pressure on employees, listen to employees' voices at work, help employees solve difficulties, make employees happy at work and enhance their sense of belonging to banks. Two. Improve and strengthen service functions and accelerate business development. We will give full play to our own advantages, rationally plan and deploy the work objectives of the customer department and business outlets by subdividing business development priorities and integrating products, continue to take the customer department as the vanguard of market expansion, strengthen and expand the service functions of outlets, form a business development model with clear objectives, coordinated division of labor, mutual support and up-and-down linkage, and comprehensively enhance the market competitiveness of the whole bank. (1) The customer department must strengthen the communication with the business outlets, subdivide the service functions of the customer department, and subdivide the post responsibilities for the public group, the international group and the individual group, and make it clear that it is necessary not only to expand the asset business, but also to accelerate the all-round development of the debt business, intermediary business and wealth management business, so as to change the passive situation of business expansion in the past. (2) Business outlets 1. Standardize service, strengthen and expand the service function of outlets, focus on expanding debt business, personal business, intermediary business and wealth management business, focus on the person in charge of outlets, resident account managers and lobby managers, improve VIP database, integrate products, and implement "bundled" all-staff marketing strategy. 2. With the help of our advanced online banking and self-service equipment, we can divert low-end customers, reduce the pressure on the counter, and further optimize the service environment and customer structure. 3. Continue to strengthen the service of paying wages, and effectively promote the rapid development of the Bank's bank card business and intermediary business. 4. Strengthen the training and study of employees and improve their comprehensive professional quality. By cultivating our own teaching staff, we can create a good learning atmosphere by means of pre-class study, special training and exchange study. Third, strengthen team building, improve the overall combat effectiveness of 1, strengthen the construction of leading bodies, and improve execution. The work of the leading group determines the success or failure of the whole team building. We will clearly define the division of labor, give full play to the wisdom and enthusiasm of all members, improve execution and carry out our work in a pioneering way. 2. Strengthen Party building and give play to party member's vanguard and exemplary role. Party member has a large population, but party member's vanguard and exemplary role has not been fully exerted. Give full play to party member's role in various posts, and achieve the goals of standardized operation, controllable risks, high-quality service and remarkable benefits. 3. Take the opportunity of creating a youth civilization number to fully mobilize the enthusiasm of young employees. The Youth League branch has formulated a detailed work plan, including training and learning for young employees, business competition, business promotion within the enterprise, organizing extracurricular activities for employees, etc., to guide young employees to establish correct employment concepts and professional ethics and improve the cohesion and combat effectiveness of the whole bank. 2. Strengthen Party building and give play to party member's vanguard and exemplary role. Party member has a large population, but party member's vanguard and exemplary role has not been fully exerted. Give full play to party member's role in various posts, and achieve the goals of standardized operation, controllable risks, high-quality service and remarkable benefits. 3. Take the opportunity of creating a youth civilization number to fully mobilize the enthusiasm of young employees. The Youth League branch has formulated a detailed work plan, including training and learning for young employees, business competition, business promotion within the enterprise, organizing extracurricular activities for employees, etc., to guide young employees to establish correct employment concepts and professional ethics and improve the cohesion and combat effectiveness of the whole bank.