Dear Mr. Huang, leaders and business partners,
Good afternoon, everyone ~
How time flies! Against the cold wind, we reached the end of 2xx. Looking back on an extraordinary year, I feel different. The bancassurance market is an invisible battlefield, and the competition among companies is fierce. Over the past year, I have endured pressure and grievances and made steady progress step by step. Fortunately, I have a strong team behind me, the leader of the manager's office and the section chief who cares about me. With their great attention, Qi Xin has made concerted efforts to unite and help each other, and our three outlets have achieved 30 million achievements for the banking department.
Savoring the past 360 days, I summed up three personal experiences in my usual work to share with you:
First, improve service quality and establish good relations.
? Be yourself, be an adult? We must start with improving service quality, take service as the carrier, and establish mutual trust and commitment with customers and bank counter personnel. Usually I like to wait for a while. Only by being close to customers and understanding their needs can we serve customers faster, better and more perfectly. Timely and effective service also solves the worries of banks and allows them to conduct business with peace of mind. In order to better integrate into the counter and become their friends, we often get together after work, and our feelings are stable and trust in repeated exchanges. I usually plan carefully, arrange carefully, walk through the door, enter the leadership door, go up to the leadership, and go down to the counter staff. Everything will be logical.
Second, study professional knowledge seriously and improve sales skills.
With the deepening of competition in the life insurance market, the main players of market competition are diversified, the channels are diversified and the sales models are differentiated. Under the fierce competition in the market, those who don't study will be eliminated. The study of business skills can only be improved if it is honed in practice. Under the wise leadership of Manager Fan and Manager Ni, we put aside our usual reserve and shyness and actively participated in the production meeting. After several production talks, I dared to talk to my customers, and my words were not so awkward. The combination of theory and practice has increased my confidence and my motivation to learn. Only when you have a thorough understanding of the products can you dare to speak boldly and calmly at the outlets and use your own specialties to guide and convince them. In xx years, we not only gained knowledge and joy, but also gained the wealth brought by step-by-step growth.
Third, gratitude and sincere return
Although we have made impressive achievements in 2xx, every premium is hard-won, and our sweat has been shed on every road, especially the leaders who silently support our manager's office behind us. Whenever I encounter difficulties, the first thing I think of is leaders, and their timely and effective coordination makes us a little difficult; Whenever you encounter grievances, the first thing that comes to mind is the leaders. It is their sincere concern that makes us smile through tears. During my years in China Life, I grew rapidly on the powerful platform of the company. As a member of the banking department, I am very pleased. This harmonious team brings warmth to our home, and this dynamic team brings hope to our dreams.
The account manager's job let me know that it is every day? Do complex things simply, do simple things seriously, do serious things repeatedly, and do repetitive things creatively! ? 2xx-x years, we have tasted bitterness and hardships; The happiness we enjoyed in 2xx-x has been treasured in the memory of xx-xx. Summing up the past is to gain a better future. But good grades are a thing of the past, not the future. Dear friends, the year of 2xx-x has quietly come to us, and the glory of 2xx-x is calling to us. 2xx-x will be a special year, a glorious year, a year that we will strive for, and a year that we will surely create more glories. In the journey of life, only those who firmly believe that tomorrow will be better than today will have the courage and talent to make great strides to open up tomorrow. I hope that in the new year, we will join hands to make a vigorous attack for our own tomorrow with the backing of powerful companies, wise leaders and harmonious teams!
Bank staff statement materials 2 Dear leaders and colleagues,
Now I make a statement on behalf of all the members of the Group Center. The mobilization meeting of the first season labor competition held here today made all members of the Youth League Center feel pressure, responsibility and motivation. After listening to manager Shang's detailed description of various indicators, I saw opportunities, opportunities and confidence, and I was full of confidence and determination to complete the tasks of the first season labor competition. We must turn pressure into motivation under the correct leadership of the company leaders, and mainly do the following work:
1, guided by the performance appraisal of the municipal company, is closely linked to the labor competition test in the first quarter of the branch.
Nuclear, detailed decomposition of the department's assessment plan. Enhance work enthusiasm and initiative, and realize the double promotion of business ability and comprehensive quality.
2, combined with the company's market development orientation, constantly tap the campus stock market, and comprehensively improve the space.
The development of white schools will compete with the school's penetration rate, improve the use quality of school newsletter services and teachers' cognitive rate, realize a qualitative leap in the campus market in an all-round way, and strengthen the binding of the group's business to users.
3. Accelerate the marketing promotion of the Group's special line. While developing the blank units of the special line of the Group,
Accelerate the counter-measures against competitors' special lines, promote the Group's special lines for township schools, increase information income in an all-round way, lengthen the time for the group's products to bind users, improve the market competitiveness of the group, ensure the growth of the market scale and income of the group's customers, set off the climax of the group's market development in 20xx, and lay a solid foundation for the next market development of the group.
4. Do a good job in maintaining group customers and high-end customers. Combined with the first season labor award
Home stability assessment, make full use of the company's group wireless landline, pay phone bills to send gifts and monthly rent preferential policies to achieve stable maintenance of the group market, and at the same time realize the comprehensive replacement of the fixed telephones of the group units with the help of wireless landline, and carry out stable maintenance of the group's high-end customers.
5. Earnestly complete the company's performance appraisal indicators. According to the implementation evaluation issued by the company.
Carry out card delivery, new business, g3 home phone, monthly rent renewal and other work in a planned way according to legal requirements, exceeding the task of assessing the company's execution!
We have the ability and confidence to resolutely complete the tasks assigned by the company in the first quarter and make our own efforts and contributions to the successful completion of the tasks in the first quarter and the whole year. Please guide and supervise the leaders and colleagues!
thank you
Bank employees' statements, speech materials, and all employees in three departments:
Arrange to deploy our bank in the first quarter of 20xx? A good start? Work, gather the strength of the whole bank, gather the wisdom of the whole bank, strengthen confidence, stick to the goal, go all out and wholeheartedly? A good start? In the competition, firmly seize it? A good start? The overall success of the activity made a good start for the whole year's work and laid a solid foundation for the branch to achieve leap-forward scientific development.
Make overall plans, highlight key points, go all out, and resolutely do a good job in the first quarter? A good start? Business transformation? Encounter?
1. Clear objectives, strengthen marketing, and make great efforts to fight the asset business marketing war.
After the divestiture of non-performing assets, the bank's loan business is very small. In the face of nearly 3.6 billion deposits, the era of relying solely on deposits to earn spreads is gone forever, and profitability has become the primary benchmark after the share reform. High-grade and high-quality asset business is a powerful lever to incite the development of debt business and intermediary business, and it is also the first to accelerate development and obtain benefits? Engine? After the share reform, the superior bank pays more attention to the assessment of per capita economic added value, total assets target rate, cost-income ratio, deposit-loan spread and other benefit indicators. The size and benefit level of total effective assets have become the lever that affects whether banks can maintain rapid and effective development. To this end, the bank should do the following key tasks in the first quarter: First, set up small and medium-sized enterprise groups, three rural business groups and intermediate business groups. Over the past month, with the efforts of the whole bank, the bank has successfully invested 8 million yuan in loans for small and medium-sized enterprises and 47 loans for agriculture, rural areas and farmers, with an amount of 44 1 10,000 yuan, which is very rare. At the same time, a group of small and medium-sized enterprise customers are reserved; Second, we should pay close attention to the reported and proposed projects, vigorously promote them and resolutely implement them? Top leaders, front and back marketing together? Work responsibility system, define the main responsible person of marketing for target customers, and adopt five decisions? Set goals, responsibilities, measures, fees, rewards and punishments? For the reported projects, strive for early delivery and early effectiveness in the first quarter; Third, do a good job in the loan reserve of high-quality projects, formulate the target plan and implement the marketing plan according to the information provided by the network director, and ensure to seize the opportunity in project marketing; Fourth, focus on transportation facilities, key power projects, investment projects, high-quality institutional customers, leading enterprises in agricultural industrialization, real estate mortgages and personal loans, and strive to make breakthroughs in asset business; Fifth, in the business of agriculture, rural areas and farmers, we should speed up the marketing of loans for farmers and small enterprises, increase the involvement of leading enterprises in agricultural industrialization and increase the marketing of leading enterprises in our city 10 in combination with customers in key areas within our jurisdiction; The sixth is to comprehensively promote the development of personal assets business, focusing on personal housing, personal production and operation, and personal car loans, and focusing on individual high-end customers with stable income and good credit for in-depth marketing.
(2) Keep an eye on the market, make an all-round attack, and resolutely fight the debt business? The main battlefield? Encounter.
Since this year, the accelerated development of China's deposit business has fully proved this point? Total amount determines strength, share determines position, increase deposit determines income, and increase deposit determines advantage? After the share reform, the Bank will continue to consolidate the dominant position of deposits, and take it as a survival point to meet the needs of development, benefit, image and employee income. We should firmly establish the concept of grasping early, taking the initiative early and getting early results. A good start? The main battlefield is to fight a beautiful battle in the deposit market. Specifically: 1, grasp the market information and make clear the main direction. Aiming at the deposit stock of 654.38+08 billion in other banks within its jurisdiction as the intervention target of the Bank, as a way to increase the momentum and strengthen marketing efforts, to ensure a net increase of more than 473 million in the first quarter. All outlets, departments and employees should be clear about the number of existing customers, what level they are at, which customers need to be developed as the main target, and what measures should be taken to achieve clear goals, division of labor and cooperation, and hierarchical marketing.
2. Do a good job in marketing and create? A good start? Make a big noise. Seize the favorable opportunity of two festivals and combine them? Do big business and grow with you. Golden key spring action? Up and down linkage, internal and external interaction, quickly set off the peak season publicity activities * * *. First, borrow? Double festival? Festival atmosphere, using leaflets, New Year cards, telephone calls, etc. , to carry out a massive publicity campaign; Second, various outlets can make use of temple fairs, lantern festivals, sending plays to the countryside and other forms for publicity; The third is to invite expert lectures, financial salons and other customer networking activities for high-end communities, key institutions and high-end customers; Fourth, do a good job of double-section customer return visits. During the two festivals, members of the sub-branch team will lead a team to visit customers with more than 5 million yuan and key asset business customers, and each director will personally lead a team to visit key customers, visit condolences, solicit opinions, and improve customers' loyalty to the Bank.
3. Lead by example and take the lead in marketing. In marketing, we should give full play to the linkage advantages of the trinity of team, director and staff and the network platform. First, do a good job in stock maintenance. It is your duty to defend your land? The presidents of all branches are the first responsible person for deposits, who take overall responsibility for deposits, personally arrange, break down goals, organize and promote, take the lead in tackling key problems, personally market, sort out existing customers, wait in line, and be aware of them. Team members and middle-level cadres should contact 2-3 large households (5 million yuan), managers and directors (4 million yuan) and ordinary employees (2 million yuan) respectively; The second is to tackle key problems from top to bottom and expand new households. It is necessary to establish a top-down joint system and form a joint force to directly market key customers and key projects; The third is to turn the institution into a single branch or mobile window bank. This year, every comrade in our propaganda organization is an account manager. In the first quarter, the marketing deposit was 2 million, the insurance was 3,900, and there were 3 cards. Why are you doing this? This is the need of efficiency wage and mechanism reform. Announced on Monday, cashed on 1 month 1 day. Fourth, all outlets should tap the deposit potential, establish a sense of high income, put themselves at the forefront of competition in the same industry, make a deep charge to expand the market, keep a close eye on outlets with low stock, and strive to catch up and upgrade as soon as possible.
(3) Strive to improve the level of intermediary business and create new profit margins.
First, do a good job in the marketing of advantageous products such as Jinsui card and online banking business, actively communicate with customers based on the policy strength within the jurisdiction, give full play to the advantages of lobby managers, implement point-to-point marketing, rely on the community, implement carpet marketing, speed up the issuance of effective cards, strengthen ATM maintenance and management, and create a good environment for card use. At the same time, focus on credit card business, expand the market share of credit cards, improve the income level, promote the issuance of Huinong cards, and take competitive customers and individuals in the professional market as the key marketing objectives of online banking business. One to one? Marketing measures to promote the development of online banking. The second is to work hard on insurance. It is necessary to overcome the passive marketing of insurance, continue to do a good job in the marketing of high-value and high-yield life insurance products, stimulate the enthusiasm of comprehensive marketing of insurance by showing the driving effect of outlets, vigorously expand the power of property insurance customers and expand the comprehensive marketing of insurance business for small and medium-sized customers, drive insurance with credit, transfer credit risk with insurance and increase insurance income.
The third is to increase fund marketing efforts, overcome war-weariness and take the initiative to market.
Fourth, expand and strengthen foreign exchange business, screen large households, make plans one by one, concentrate superior forces on key marketing, strengthen in-depth cooperation, and promote the development of foreign exchange business.
Fifth, focus on the implementation of the documentary pricing system for intermediary business, fully mobilize enthusiasm, win the trust of the people, and cash in place.
Third, strict requirements, strengthen promotion, for? A good start? The work provides a strong institutional guarantee.
(1) Strengthen basic management, strengthen internal control and create a safe business environment.
First, unremittingly do a good job in the construction of compliance culture, implement system regulations, formulate regular learning system and case notification system, strengthen institutional awareness, adhere to preventive management, enhance self-protection awareness, and constantly improve the consciousness of various systems.
Second, we must do a good job in the implementation of the system. Strengthen basic management by system? Requirements, the implementation of the "management measures for employees' illegal operating points", the implementation of the "accounting internal control management implementation plan", strengthen the management of operational processes and enhance operational risk control.
The third is to strengthen employee behavior investigation, systematically carry out employee behavior investigation on a regular basis, strengthen ideological education, adhere to behavior management beyond eight hours, and prevent moral hazard.
The fourth is to further increase the frequency and intensity of inspections.
(2) Strengthen the mechanism construction? A good start? Provide power protection.
First, the whole bank should stick to it all the time? Promote business development by mechanism? Train of thought, further strengthen the mechanism construction and implementation, and the sub-branch has been issued? A good start? Activity Implementation Plan Section I 20 10? A good start? The comprehensive business plan, staff attendance management measures, vehicle management measures, and interim provisions on business disclosure will be issued by the sub-branch. A good start? Afterwards? A good start? Summarize the commendation meeting and commend and reward all kinds of advanced units and individuals. Second, based on strict assessment? A good start? Provide a restraint mechanism.
Can the branches be put? A good start? Task completion is an important criterion for evaluating the performance and execution ability of branch directors, department managers and directors, and it is also the basis for deployment and use. For the units that have not completed three or more plans (including three) for various deposits, intermediary business income, personal loans, small loans for farmers, effective card issuance for benefiting farmers, and loans for small and medium-sized enterprises, informed criticism; Four (including four) directors who have not completed the plan, the branch party Committee ordered you to take the blame and resign; For the directors and deputy directors of all departments and offices, members of three teams, and employees of sub-branches whose tasks are less than 80%, the Party Committee will start a conversation procedure without admonishing them, and the head of the department will take the blame and resign, which will serve as an important basis for the competition for posts in the next branch business transformation. For outlets with negative growth in debt business, the head of the branch will be given a yellow card warning.
Replace the director of the branch with the debt business ranking 10 in Zhengzhou; Less than 50% of the intermediate business is completed, and 10 outlets are responsible for replacement.
Right? A good start? During this period, all cases will be disqualified and press? Four responsibilities? This mechanism requires accountability.
(3) Strengthen leadership to ensure? A good start? The smooth development of.
Compared with previous years, 20xx years? A good start? There are many goals and high requirements, so we should strengthen leadership, organize carefully and push forward in an all-round way. I am the team leader, other team members are the deputy team leaders, and the heads of departments and offices are the team members? A good start? Working groups and outlets should also set up organizations, clarify responsibilities, strengthen responsibilities, focus on key points, implement them and seek progress. In the first quarter, branches should continue to implement the general manager package and office package system. In order to further enforce discipline, during the peak season, as long as it is necessary for work, the authorities will take the lead in implementing it on working days and rest days. All units should hurry up and make progress, right? A good start? Advance the timing of the decisive battle and try to get it done before the Spring Festival? A good start? Breakthrough progress has been made in the campaign, and directors and managers stick to their posts and are not allowed to leave the territory without approval. The director should take the lead, set an example, become a marketing leader in business, products, customers and services, and become an excellent marketing director. Employees in all departments and positions should keep their responsibilities in mind and do their jobs well. Violation of labor discipline, standardized service and related requirements, which will have adverse consequences on the work, will be in short, it is necessary to form a strong joint force throughout the bank to grab the market and share in one go? A good start? All the goals and tasks. Fourth, strengthen the concept of scientific development and enhance the centripetal force of the whole bank.
First of all, measures to care for employees should be implemented. All team members and middle-level cadres should go deep into employees, listen to their voices, understand their ideological status, safeguard their interests, and pay their salaries and rewards in time. Families are really in difficulties, so we should give them as much help as possible, implement ten practical activity plans, and tilt the limited cost resources to the grassroots as much as possible.
The second is to reward outstanding employees and give play to their leadership role. Right? A good start? Employees who have made outstanding performance in the activities shall be commended and rewarded in various forms, so as to fully stimulate the enthusiasm of the officers for starting businesses, carry out various forms of labor competition activities, adhere to typical guidance and incentive-driven working methods, create a strong competitive atmosphere in the whole bank, and promote? A good start? In-depth development of activities (such as opening a branch? A good start? Activity Work Express).
The third is to effectively strengthen the construction of work style. To achieve the goal of the first quarter, we will face greater task difficulties, but the difficulties are not terrible. What we are afraid of is the confidence, determination and courage to accelerate development by leaps and bounds without lofty goals. What I am afraid of is the pride of making up my mind without pain and fighting for the last time; What I am afraid of is the lack of courage and courage to be the first in the world and lead the industry. Therefore, the whole bank, especially the directors, should raise awareness and change their ideas. First, firmly establish Scientific Outlook on Development and Scientific Outlook on Development. The first priority is development, people-oriented, the basic requirement is comprehensive, coordinated and sustainable, and the fundamental method is joint management. In xinmi city, a county with strong economic sustainable development ability, the external environment of horizontal competition is becoming more and more intense. If a branch wants to be in an invincible position, it must implement a strong marketing strategy, always focus on the top 20 customers within its jurisdiction, and bring the top 50 taxpayers into the marketing pattern. No matter which bank customer, we must leave no stone unturned, go all out, strive for it, and resolutely oppose inaction, no progress, no success and inaction. We must resolutely oppose those who are not doing their job properly, are not afraid of making progress, are complacent, are mediocre and want to be Taiping officials. The masses are not satisfied, and the branch party Committee will not let you hold back the rapid development of the new bank. Second, we should correctly understand the mountaineering effect driven by high goals. The rapid and steady development of sub-branches in the past year proves once again that only when high goals lead the way of efficient growth, achieve tangible results and earn wages can the management level, operating efficiency and employee income be greatly improved. It is this courage and belief that dares to face difficulties, to be a leader, to fight for the red flag and to fight for the first place, which inspires the enthusiasm of all employees to speed up development and realizes the rapid development of various businesses. At the same time, high goals and high demands also reflect the high hopes of the Party Committee of the superior bank for the development of the Bank and the extreme trust of the Party Committee of the branch in the team led by the director of the branch.
Comrades, 20xx years? A good start? The campaign started, and the overall business transformation of the sub-branch entered a crucial 100-meter sprint stage. The task is extremely arduous. Let's take action at once. The Party Committee of the sub-branch believes that as long as the whole bank has a high sense of historical responsibility and urgency, races against time, further develops the indomitable will to be brave in difficulties and forge ahead, and continues to carry forward the selfless dedication spirit of self-pressure, work hard, seize the opportunity, earnestly perform their duties, and work hard, it will certainly be effectively controlled. A good start? The overall victory of work!
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