Work plan of bank employees for the new year

Banks are legally established financial institutions engaged in monetary and credit business, and are the product of the development of commodity monetary economy to a certain stage. Banks also need to have a work plan, otherwise there is no goal. The following is our staff's work plan for the new year. If you like, you can share it with your friends!

Bank employees' work plan for the new year 1

Through the study of the spirit of this meeting, I saw the excellent work style of the old loan officer, and also found my own shortcomings. As new employees, we should not only learn excellent professional skills from them, but also learn their excellent quality of hard work. At the meeting, the old comrades talked about their rich credit work history. The road they have traveled is a textbook for me. What I need to do is to study their work experience, professional skills and marketing strategies to lay the foundation for future work! In view of the five questions raised by President Zhou at the meeting, I also put forward my own simple views and opinions below.

First, how to implement the daily work

(1), perfect work plan. An orderly work plan is the first step for a smooth work. At the end of each working day, you should be fully prepared for the next day's work. For example: ask your partner in advance, understand each other's plans, and arrange the propaganda and inspection route reasonably; When there is an investigation plan, the customer should be informed of the time and place, and materials need to be prepared to complete the investigation quickly and effectively; When you have a visit plan, you should inform the key people in advance and prepare gifts.

(2) Efficient work efficiency. Make a simple schedule for yourself every day. For example, at noon, customers are invited to sign a loan, in the afternoon, publicity, post-loan inspection and overdue collection are done, and in the evening, investigation reports, system entry and file arrangement are made. Stick to what you can do today at work, never put off what you can investigate today until tomorrow, you can publicize more and visit your family more.

(3) Down-to-earth working attitude. A down-to-earth work attitude is not only responsible for the unit, but also for yourself and your family. At work, we should abandon the idea of "working for the leadership", change from the tenant's mentality to the owner's mentality, and change from asking me to work to working. Only by keeping a down-to-earth working attitude can we really enjoy the working process and achieve a win-win situation for both individuals and units!

(4) Close cooperation between front and back office. Lack of team spirit in any work will definitely affect the business development of the whole unit. At present, there is a phenomenon of "sweeping snow in front of the door" in my unit. I think there are two reasons for this phenomenon: one is the mentality of employees, and the other is the decision of management. For example, in the process of lending, the efficiency of examination and approval is low, and the role of each position cannot be effectively played. I think that under the condition of ensuring the separation of examination and loan, each post should perform its own duties and be closely linked. In employing people, we should do our best to make the workflow run efficiently.

Second, how to make good use of the database

The premise of making good use of the database is to establish a complete and practical information base. At present, the content of information collection is too simple, and only the basic information such as customer name, telephone number and business content is a mere formality in the process of entering the database. I think in the process of information collection, we should try our best to capture the comprehensive information of customers and subdivide them. According to the customer's attitude towards loan officers, it can be divided into: conflict type, neutral type and positive type. Make different comments for different types of customers, especially those who actively cooperate and are interested in the publicity process must make a second return visit or call back.

At present, there are some unreasonable places in the database template of provincial banks, and loan officers can make appropriate deletions and additions according to their own working methods to ensure the authenticity and effectiveness of the data. In the use of the database, we should subdivide it according to the law of the industry, and choose the industries with strong capital demand in different periods to carry out targeted publicity and marketing, so as to be targeted.

Third, how to do a good job of publicity in the next two months.

According to the working idea of "consumption before operation" of the provincial bank next year, while actively promoting the microfinance business, we will focus on promoting consumer loans. Grasping the key points in the publicity process, there are 2-3 schools in each township, which can be contacted by key people. Our bank's consumer loans can be publicized to all faculty members when the school holds a general meeting. At the same time, we can cross-market our credit card group business with retail account managers. In the process of visiting the school, we must distribute our gifts to close the distance with our customers. When it is difficult to find key people, we can refer to the guarantor information of our re-employment loan file through acquaintances, most of whom are teachers in various towns and villages, which can be used as a breakthrough. In the course of other loan publicity, the bank account manager's work plan makes full use of the database according to the characteristics of the industry cycle, identifies the target industry for targeted publicity, pays attention to marketing skills in the publicity process, and highlights the advantages of our loan products in the same industry.

Fourth, 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 region but no prospective customers; Third, the same industry is preconceived to seize the market. According to different situations, different strategies should be formulated. For the first kind, we can increase publicity and spread publicity. In view of the second situation, we should formulate feasible marketing strategies, cultivate customer habits and turn an ordinary customer into our prospective customer; In the third case, we can find key people in the 1-2 area, establish good personal relationships with them, generate trust, change customers' mentality, and then develop our business. It is difficult to eliminate blank units and blank villages, and it also requires a persistent attitude of loan officers.

Bank employees' work plan for the new year II

According to the actual situation of our bank's accounting settlement work in the past year, next year's work will mainly focus on service, quality and quality. At present, the working ideas of our business department for 20-20 10 are formulated according to these three aspects.

First, focus on customers and do a good job in settlement services. Customers are the source of our existence. As the sales department and external window, the quality of service directly affects the credibility of our bank.

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

2. With the intensification of competition in the financial industry, customers' requirements for banking services are getting higher and higher, which is not only reflected in counter services, but also in our service varieties. In addition to continuing to do a good job in the agency settlement of public utility fees, taxes and fees, financial charges, traffic fines and bsp aviation agents, we should also do a good job in the expressway network charging business, open-end fund acquisition business and securities business to be opened next year to improve our competitiveness.

3. Actively strengthen contact with personal business, participate in personal business, be familiar with personal business, and better serve customers. Although it has been integrated into the business system, it has not been really integrated for various reasons, which is the lack of work in our sales department.

4. Taking banks as the classroom, a lecture on bank settlement methods will be held next year to increase people's financial knowledge, so that customers can know more about banks, get close to banks and integrate into our business.

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

Two, strengthen the management of internal control system, prevent risks and ensure the quality of work. With the increase of financial crimes in recent years, we have higher requirements for the standardization of operation and the implementation of the system.

1, urge the science and technology department to replace the computer interface of our business department as soon as possible, and then implement the division of powers in strict accordance with the requirements of the integrated business system, with one post and one card, so as to enhance the rigidity of system implementation and improve the binding force.

2. Further strengthen the internal control and external defense of important links and positions, focusing on account management (ensuring the quality of the account opening unit of the Bank) and on-site service.

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

4. Focus on payment cipher sales, ensure the security of bank-enterprise settlement funds, and further improve the means for banks to prevent external settlement risks.

5. Standardize the business operation process, strengthen the daily inspection system of the chief accountant, find hidden dangers in time, reduce errors and put an end to settlement accidents.

6. Seriously perform the business guidance and inspection of the branch.

7, do a good job of regular assessment of accounting quality.

Third, people-oriented, improve the overall quality of employees. Staff quality is the foundation of bank development. Under the current situation of frequent personnel turnover, our business department urgently needs a high-quality team.

1, be a good citizen. Banking sounds beautiful, but it is full of competition and risks, so you need to have certain psychological quality and cultural accomplishment when you come to our sales department. In employing people, we should use employees' ability and their greatest potential to determine suitable positions, so as to improve employees' enthusiasm.

2. Strengthen business training, which is also the most urgent next year. Now the training plan has been submitted to the personnel department, and it is ready to train the basic knowledge such as cashier system, payment and settlement methods, accounting system of integrated business system, new accounting subjects and various emerging businesses.

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

4. Be diligent in the ideological work of employees, care for and encourage employees, and enhance their psychological quality.

5. Carry out job rotation in a planned and purposeful way, and train every employee to change from single operation to mixed multi-function.

Bank employees' work plan for the new year 3

Improve the quality of credit work and strengthen the credit management of our agency in the new year. Establish a sense of risk and responsibility, clarify responsibilities, carry out credit work in an orderly manner, promote the standardized and steady development of our credit work, and fully complete the tasks and objectives of credit work. The bank credit work plan of the company's business department for 20-20 10 is as follows:

The first is to strengthen business training.

From the "new year, internal control first" to strengthen the implementation of the system and strengthen the construction of account managers. In 20-2000, we will focus on training front-line credit personnel. In the first quarter, we carried out legal popularization training focusing on financial laws and regulations, various systems, business philosophy, standardized operation sequence and requirements of credit business, and trained a group of employees with excellent political skills and high professional quality who can adapt to the pace of reform in a short period of time. Organize regular study of financial policies and the spirit of higher-level documents, strive to improve political awareness and professional quality, and enhance the consciousness of operating according to law. At the same time, special training will be given to new businesses such as five-level loan classification.

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

First, strengthen the management of loan authority of institutions and credit personnel to ensure the quality of new loans. It is strictly forbidden for agencies and credit personnel to issue loans beyond their authority. The second is to increase the investigation and punishment of illegal loans such as cross-regional loans, renren loans and large loans. If you find them together, you will be rewarded. Third, seriously carry out pre-loan investigation, accurately predict the borrower's income, and ensure that the loan is recovered on schedule. The fourth is to strictly implement the large loan management system. Fifth, strictly examine the loan approval, whether the loan investment is legal, whether the term is reasonable, whether the interest is correct, whether the first responsible person is clear, whether the collateral is true and legal, whether the guarantor has the guarantee strength and whether the loan file is complete. Through the above measures, the quality of credit assets will be improved year by year. Sixth, carry out the unified mode, standardization and standardized management of credit files in an all-round way, implement counter filing and special custody, and establish a call registration system to ensure the integrity of files. When personnel are transferred or changed, the loan files should be handed over, and the surrenders, recipients and supervisors should jointly sign the transfer list to promote the credit file management upgrade of the credit cooperatives under their jurisdiction.

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

In recent years, the institution has intensified the innovation of credit products. The variety of loans has increased from time to time, and the level of credit services has improved significantly. However, there are still some shortcomings in the determination of loan repayment method and loan term. Therefore, on June 20 10 165438+ 10, the provincial association issued the Interim Measures for Loan Repayment of Rural Credit Cooperatives in Shandong Province. In order to meet the different needs of loan customers, ease the pressure of centralized repayment, further improve the level of credit management and prevent credit risks, the business department of the company introduced loan repayment by installments into credit management in 20 10. It is necessary to improve the credit service function, prevent local customers from temporarily occupying credit funds, accumulate and lag risks and increase the consequences of credit risks.

The fourth is to strengthen the implementation of credit rules and regulations.

To cultivate the quality of bank employees, we must first implement the "three inspections" system. Let every bank employee work on the basis of detailed work plan and do things in the right way. Adhere to the prevention of loan risks first. After the loan is issued, every loan must be carefully investigated, reviewed and inspected in accordance with the contents, requirements and order of the "three investigations", and the "three investigations" record book should be filled in for strict assessment. Loans submitted to the Associated Press for examination and approval must have the investigation speeches of credit officers and the minutes of meetings of credit cooperatives, and all loans must be reviewed by substitution. Secondly, it is necessary to implement the system of separation of loan approval and the management system of separation of loan approval at different levels in loan issuance. The loans of grass-roots credit cooperatives must be approved by the collective meeting of the loan review team, and large loans should be reported to the loan review Committee of the credit cooperatives for approval. It also stipulates that no matter how many loans are issued by grass-roots credit cooperatives, each loan must be reviewed, registered and signed by the director in charge, and loan officers must be resolutely put an end to "single-handedly" lending. Third, it is necessary to increase the punishment for violations of discipline and discipline, severely punish those who violate discipline and discipline, and give administrative penalties such as on-the-job collection and laid-off collection to those responsible for non-performing loans due to violations of discipline and discipline. If the circumstances are serious, the responsible person shall bear the liability for loan compensation.

The fifth is to clarify the key points of credit supply.

Clear credit input. First, increase the ratio of mortgage to loan. In 2000, our department will follow the principle of "classified guidance and differentiated treatment". Reduce risky assets. When issuing loans, urban cooperatives should handle more mortgage loans and less secured loans, so as to optimize the credit structure, reduce risky assets, 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 loans to urban residents and self-employed, we should take care of store mortgage loans and personal housing mortgage loans to the maximum extent. In principle, urban cooperatives do not take care of joint-venture loans, and resolutely put an end to large loans and top loans. The second is to increase support for leading agricultural enterprises, characteristic agricultural products bases and guarantee companies to guarantee loans. Actively support the development of small and medium-sized enterprises, especially industries and projects with clear property rights, high reputation, in line with national industrial policies and promising development prospects.

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

Since 20-2000, credit risk classification has been carried out in an all-round way, which has basically achieved the effects of scientifically measuring risks, finding out the risk base and strengthening credit management. However, there are still some problems in practical work: first, the ideological understanding is not in place, and the importance and arduousness of risk classification are not well understood; Second, the quality of personnel does not match, which is far from the accurate use of risk classification methods to identify and prevent credit risks; Third, the basic work of risk classification is not solid, the risk classification system is not perfect, and the classification order and identification organization are not standardized; Fourth, the risk management ability is not strong, and it is impossible to closely combine the different risk categories and characteristics of credit assets and take targeted and strengthened management measures. In order to solve the above problems, in 2000, our department will further strengthen the concept of risk management, improve the working mechanism and measures, and regard risk classification as an important work to strengthen credit management and improve the long-term mechanism of risk prevention, and achieved good results.

Bank employees' work plan for the new year 4

First, take the initiative to learn and improve your skills.

As an account manager who has been employed for one year, his working hours are not long and he has no cabinet experience, which is really a shortcoming in his work. Their own skills, marketing ability and experience have a certain distance from the performance of the account manager. Therefore, we should constantly strengthen our own learning, improve our personal quality, strive to improve our business skills and strengthen our awareness of risk management. Constantly sum up, learn and accumulate, and strive to calmly deal with various problems in daily work.

Second, maintain customers and expand the market.

Actively contact customers, care about customer needs, and introduce our new business products to customers in time. For the upstream and downstream enterprises of existing customers, it is necessary to dig deep and carefully and carry out marketing work for all links of the customer trade chain. We should actively and frequently keep in touch with customers, discover their needs, guide their needs, give them timely satisfaction, and provide customers with "one-stop" service. For existing customers, we should keep regular contact, and for potential customers, we should actively develop. The main purpose of development is to market products and strive to achieve "win-win".

First of all, based on the principle of "win-win between banks and enterprises", we should calculate the input-output accounts of banks, calculate the accounts for customers and design the most suitable financial product portfolio for customers;

Secondly, subdivide customers, establish target markets and potential customers, and conduct all-round analysis and evaluation of customers. Keep in touch with customers at all times and mobilize customer resources, use effective communication means and communication strategies to keep in touch with customers, and conduct fruitful visits and observations on customers.

Third, in the interaction with customers, we should actively promote bank products. Be good at discovering customers' business needs, and actively suggest and recommend applicable products to customers. Report to relevant departments in time if necessary, and actively explore the possibility of developing special products for them. Fourth, strengthen risk management and effectively monitor 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 occur, they should be considered in connection with asset safety and measures should be taken in time.

Third, divergent thinking and innovation.

With the reform of China's economic system and financial system, the trend of customers choosing banks has been formed, and the competition among peers is becoming increasingly fierce. In business development, how to serve big customers well plays a decisive role in our business development. In the new year's work, we should always pay attention to studying the market and paying attention to market dynamics. Studying the market is to analyze the marketing environment, study the customers on the premise of grasping the objective environment, understand the operating rules of the customers' funds by studying the customers, and strive to trace the customers' downstream funds to the Bank, so as to realize the "monopoly control" of funds from the source, realize the internal circulation of funds and consolidate the financial strength of the Bank.

Bank employees' work plan for the new year 5

-2008 is the second year for the business department to implement the new performance appraisal method, and it is also a year for the branch business development to face severe challenges. Therefore, on the basis of summing up the work in 2008, the branch deeply understood the current situation, accurately grasped the pulse of the market, fostered strengths and avoided weaknesses, and made concerted efforts with Qi Xin to achieve healthy and rapid development of various businesses around "improving management level and accelerating business development".

First, attach importance to the advantages of outlets, seize development opportunities, and promote the rapid development of advantageous businesses.

Savings deposit is the foundation of the bank's survival, and it is also one of the important indicators of the president's target assessment. Sub-branch-The completion of annual savings deposit time and daily average index is relatively good. As a strong indicator of outlets, we should also firmly grasp the savings deposit business next year, steadily and steadily, and promote the benign development of outlets. The first quarter of 2008 is the marketing peak season for the whole year, and the competition for deposits among banks will be fierce. How to seize the opportunity in peak season marketing is the main task of next year's work. The basic idea of sub-branch deposit marketing is "come in, be steady".

First of all, the so-called "access" means to vigorously tap deposit resources, tap deposits from other banks, and deposit market circulating funds into our bank, so as to make the deposits at outlets grow rapidly. First, mobilize the hospital staff to actively provide deposit marketing clues. As long as valuable marketing clues are found, account managers and relevant marketers will act immediately and contact customers in various ways to try to tap funds. Secondly, take advantage of the opportunity of a large amount of funds returning during the Spring Festival to find and track the flow of customers' funds in time and turn short-term hot money into long-term deposits. Third, make full use of the existing publicity methods of our branch, such as SMS marketing and publicity slogans, to convey the information of my deposits and attract customers to come to our door actively.

Secondly, the key to "stability" is to firmly retain the existing deposits of the firm. The first quarter is the peak season for banks to divert deposits, and the competition among major banks is bound to be extremely fierce. Our existing deposits are also at risk of being diverted by other banks. According to the current statistics, our branch will have millions of time deposits due in the first quarter, so it is very important for us to keep these funds. Therefore, we learn from the successful experience of marketing in-, take the initiative to contact customers who are about to expire, present marketing gifts to customers, and stabilize at least 50% of the funds.

Thirdly, financial management with capital preservation is the product of two-way calculation of deposit and financial management, which has short time, fast turnover and high interest rate, and can attract some customers with high liquidity requirements. Counter and outlet marketers can increase the sales of guaranteed financial products as a useful supplement to deposits, and can also promote the growth of outlets' deposits.

Two, combined with the characteristics of outlets, vigorously expand the business friend card, increase the number of cards issued. Take points and areas, use cards to absorb storage, and drive the all-round development of business.

The branch is located in the downtown area, with many merchants and convenient transportation. Every merchant is a potential customer of a business friend card that can be tapped. With the new business friend card as the medium, it can attract merchants to pay for goods, increase deposits at outlets, drive small and medium-sized merchants to transfer money to pos, and create new jobs. At the same time, you can also sell credit cards to merchants to achieve the goal of killing multiple birds with one stone. At present, the main follow-up project of our outlets is the business development of Youka in Women's City. The specific work started from-165438+ 10, and it is an important customer base for issuing new cards in the upstream of our outlets. In the coming year, the person in charge of the network will take the lead and the account manager will be responsible for further follow-up, which will change the passive situation of business development in the past.

Five articles about the staff's work plan for the new year:

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★ Five Personal Work Plans for New Bank Employees

★ Five individual work plans for bank employees in 2020.

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★ Work plans of five banks in early 2020.