500 words of personal work summary of bank teller flashed by, and time flew by. In the busy and fulfilling work, we spent a significant 20xx year. It is gratifying to look back on the work of this year. Under the leadership of leaders at all levels of the sub-branch, under the guidance of the president of the sub-branch, and with the joint efforts of colleagues, we have made progress in learning business knowledge, improved the level of various business skills, earnestly performed our duties, always kept in mind the internal control system, successfully completed various work indicators throughout the year, and improved our ideological consciousness, professional quality, operational skills and quality service. The work plan for one year is summarized as follows:
I. Main job information and responsibilities
I joined the company in 20xx as an ordinary teller. The daily work mainly includes handling private business, company business, paying wages on behalf of the counter and supplementing anti-money laundering information. Seemingly simple operation, but you need to accumulate and learn more operation processes on weekdays, update them day by day, and treat the occurrence and audit of every business with concentration, care and patience, especially for business. A month's check processing capacity is relatively large. In order to reduce the refund rate and improve the level of self-service company business, I insist on carefully reviewing all the elements of each bill and strictly require myself and my customers to fill in the specifications with high standards. The internal control system is also kept in mind when every business happens, the seven-step service process is generous and decent, and all policies are put in place.
Second, my harvest and growth.
I am glad that I can join xx and become a member of it. In my nearly one year's work, my values and outlook on life have changed greatly. She made me believe that anything is possible in life, as long as I am willing to work hard to create. Of course, only by contributing to the enterprise can we realize our own value. First of all, in a working group, everyone should unite, help each other and make progress together, because unity is the premise of mutual benefit. Secondly, it is the basic requirement to do your own job well. As a teller, you should know what you should and shouldn't do, be independent and have courage. In addition, customers are the main body of our development, and it is our duty to serve customers well. Research customers, through the research of customers, understand the business needs of customers, strive to satisfy every customer, and maintain every customer through their own efforts; Of course, after getting familiar with the business and understanding the internal control of the enterprise, it is our duty to make constructive suggestions on some potential loopholes or development of the enterprise, which is also a good contribution to the enterprise.
In today's increasingly fierce market competition, while we have a warm service attitude and skilled business skills, we must constantly learn and improve all aspects of skills in order to provide customers with more efficient and better services. All kinds of training and skill assessment organized by our bank provide a strong guarantee for me to improve my business skills as soon as possible. I always attend all kinds of training, insist on listening carefully, and try to improve my business skills by combining the rules and regulations I usually study with laws and regulations. After a period of work, I deeply realized that banking is a high-risk industry, and every little detail and element should be paid attention to when handling every business. It can be a check, signature, guest signature, handprint, registration and transaction code. A business may involve many details. If you are not careful and don't think about it, there may be risks, such as lending. The details are not trifling, and need to be taken seriously. Grasping every pass is to control the risks of our bank and to be responsible for ourselves.
Third, the existing shortcomings and the direction of efforts
Looking back on the work in 20xx, although all the work can be carried out smoothly, we know that we still have shortcomings and need further improvement. First, the study is not strong enough. In the new economic era based on information technology, new situations and new problems emerge one after another, and new knowledge and new science are constantly coming out. It is urgent to meet the severe challenges and speed up the pace of learning. I always believe that opportunities are reserved for those who are prepared, so after work, I am still preparing for obtaining certificates such as fund sales qualification and intermediate accounting title. Second, personal emotional control is not good. In view of the above problems, the future efforts are as follows: first, strengthen theoretical study and further improve their own quality; Second, change the work style, strive to overcome the negative emotions of self, improve the quality and efficiency of work with a full working state, and cooperate with leaders and colleagues to do a better job.
Four. Outlook for the new year
Qu Yuan has a famous saying: "The road is long, but it's Xiu Yuan, so I will go up and down for it." . The financial industry still has a long way to go. I firmly believe that because of my love for the financial industry and the professional knowledge I have learned, I will closely combine my personal dream with the development of the enterprise and give full play to my enterprising, creative and initiative. I will finally realize my personal value and move towards a better tomorrow with our xx Bank.
Personal work summary of bank teller 500 words 2 My post is the service window of the bank, and my words and deeds represent the image of the bank. We should not be a little sloppy and lax in our work. As we all know, the bank's savings office is the busiest. Every day, each comrade's business averages nearly 200 transactions and receives about 200 customers. Therefore, such a working environment forces me to constantly remind myself to be serious in my work and to operate in strict accordance with the rules and regulations formulated by the bank. Be consistent with yourself for three months.
Because I'm new here, I'm not particularly skilled in business. In order to get familiar with the business as soon as possible, I will consult old comrades humbly when I encounter problems. When dealing with business skills, I have a requirement in my heart: a threesome must have a teacher, and those who can't learn must learn by all means. If you want to help others in your future work, you must improve your professional quality. At the beginning, I made a mistake because I was not careful enough and not skilled enough. Although I lost money, it didn't affect my enthusiasm for this job. On the contrary, it made me study my business skills and theoretical knowledge hard.
Located in the urban-rural fringe, it is densely populated. There are many laid-off and retired workers who receive social security and medical insurance around the savings office, and there are also several schools. With different educational levels, we have to serve different people every day. I always remind myself to start with the details. Put all kinds of spirits and requirements issued by the bank into practice, so as to be subtle, civilian and daily. What does it mean to make customers feel warm here?
There are often migrant workers or foreign students in the office to handle personal remittances. Some people can't even fill out the required receipts. Every time I will explain the filling method to them in detail and teach them word for word until they learn to do so. When they leave, they should also be told to keep a written receipt for the next remittance. Thank them for their continuous remittance business. Maybe someone will ask. Personal remittance is only the collection business of savings offices. It can't increase the deposit in the office. Why are you doing it so enthusiastically? But I think serving our customers with heart is the best service. When I heard the customers outside say to me: Your work is really fast ... That little girl has a good attitude ... The bank is not bad ... That's the truth. I am very happy in my heart. This is not only a compliment to me, but also an approval and encouragement to my work.
In the new year, I set myself a new goal, that is, to step up my study, better enrich myself and meet the challenges of the new period with full mental state. There will be more opportunities and competitions waiting for me next year, and I am also secretly encouraging myself. Stand firm in the competition. Down-to-earth, our eyes should not be confined to the small circle around us, but should focus on the overall situation and future development. I will also learn from other comrades, learn from each other's strengths, exchange good work and experience, and make progress together. Get better working results.
The personal work summary of bank tellers is 500 words. Three times flies, one year is fleeting. Looking back on the past 20xx years, there are leaders' care and instructions, colleagues' support and help, joy and relief after overcoming difficulties, and no regrets after disappointment and hesitation. Now I will summarize my work in the past year as follows:
First, strengthen learning and improve their own quality.
Over the past year, I have been able to seriously study the business knowledge of banks and constantly improve my theoretical quality and business skills. In the process of learning, I gradually summed up the learning method suitable for my own characteristics, that is, comparative learning. Compared with other colleagues, what I personally lack is what I need to learn; Compared with other branches, our weakness is exactly what I need to strengthen; Compared with other banks, what is different from us is what I need to explore.
The second is to explore and innovate to find new market growth points.
Only by constantly developing high-quality customers, expanding business and increasing deposits can efficiency be improved. I used my personal social network to establish contact with the demolition company. After the demolition of the company, I got a large number of customers with savings potential. Then go to visit each other, it is inevitable to be rejected, coldly, and even abused. Fortunately, after this way, on the basis of marketing to maintain individual customers and help customers manage their finances, I also tapped many new customers and attracted many new deposits.
Three. Loyal and persistent, responsible for the development of the branch.
Banking is a workplace that I have been ignorant of since I was a student. After graduation, I was very lucky to get this dream job. However, it is not an easy task to become a qualified bank employee, and it is bound to require continuous learning and training. After working for more than a year, I am still not a regular employee of the bank, which makes my family very worried. They even found me a better way out. To tell the truth, I have hesitated and conflicted, whether to stick to my dream or to think about my family. But after rational thinking, I resolutely decided to stay in the branch, continue to work hard, use my achievements to practice my original imagination, and also dispel my family's concerns.
Fourth, improve yourself in the new year.
1. Business. Constantly update your bank knowledge base, not only be familiar with traditional business, but also grasp emerging business in time; Need to have a higher theoretical level and the ability to skillfully operate specific businesses; Not only should you learn the professional knowledge within your own responsibilities, but you should also take the initiative to understand the relevant knowledge in other fields such as bank loans, deposits and settlement.
2. quality. Cultivate a strong sense of responsibility and service, and take every customer seriously. Self-discipline, decent style, integrity, and consciously safeguard the good image of bank staff.
3. Psychological aspects. Constantly hone, rationally treat setbacks and failures, and take a mature and steady mental state as your growth goal.
Next year, my performance goal is to reach a new level in branch deposits. I will continue to explore, innovate, do my duty and go all out to make my own contribution to the development of the branch.
Summary of personal work of bank tellers: 20xx is a year when the State Council proposed to control the economic environment and rectify the economic order. The head office put forward the general credit policy of "controlling the total amount, adjusting the structure, ensuring the key points, compressing the general and adjusting in time". How to implement this central task in our commercial credit work, our slogan is: adjust the structure, protect the market and promote circulation. Among them, restructuring is the foundation, protecting the market is the task, and promoting circulation is the goal. After a year of active efforts, the commercial credit structure has been effectively adjusted. At the same time, the market in our city has been stable and prosperous, with a total purchase of RMB X million, sales of RMB X million and profits and taxes of RMB X million, which has achieved good economic benefits.
This year, the state implemented the policy of "double tightening" of finance and credit, aiming at reducing monetary input, promoting the adjustment and optimal allocation of the original production factors, thus achieving the purpose of controlling inflation and developing the economy steadily. The commercial department is responsible for withdrawing funds and prospering the market. How it works is of great significance for stabilizing the market and promoting economic development. We believe that the way to support commercial enterprises, improve efficiency and keep the market is to activate the stock of funds, adjust the two structures, improve the efficiency of the use of original funds and ease the contradiction between supply and demand.
First, adjust the loan structure of first-,second-and third-class enterprises.
At the beginning of this year, we classified and queued all commercial enterprises according to the classification and queuing standards formulated by the superior bank, combined with the "decimal classification and queuing method" explored in 20xx, and considered the support order proposed by the state and the head office, and formulated the "increase, level and decrease" plan for each enterprise, which made the focus of loan investment and pressure maintenance very clear and won the initiative for this year's adjustment work. By the end of the year, the proportion of loans for first-class enterprises reached 65.9%, up 4.7 percentage points from the beginning of the year, for second-class enterprises reached 26.7%, down 2.6 percentage points from the beginning of the year, and for third-class enterprises reached 7.4%, down 2. 1 percentage point from the beginning of the year. This shows that the loan structure is more optimized by transferring the loan stock.
Second, adjust the capital occupation structure of commercial enterprises.
For a long time, due to the low management level of commercial enterprises in our city, improper use of working capital, more funds have been deposited. There are three irrationalities in the stock of funds: first, there are too many problem commodities, and the occupation of commodity funds is unreasonable; Second, the occupation of settlement funds is high, and the internal structure of all liquidity is unreasonable; Third, its own funds are less, accounting for an unreasonable proportion of all working capital. In view of these three irrationalities, we have made great efforts to adjust the existing stock structure and revitalize funds from the stock, mainly in the following aspects:
1. Vigorously promote internal banks and ask the management for funds.
On the basis of doing a good job in the pilot work in 20xx, this year we implemented internal banking in all state-owned businesses, improved the management mechanism of enterprise liquidity, reduced the running, running, dripping and leaking of liquidity, and significantly improved the efficiency of fund use. After the implementation of internal banking in Liaocheng department store, the amount of funds used decreased obviously, while the efficiency improved obviously. This year, the occupation of total working capital increased by 1.5% compared with last year, while the increase of purchase, sale and deposit and profit was above 30%, and the capital turnover was accelerated by 27%. According to statistics, since this year, commercial enterprises have saved about 4.5 million yuan by developing internal banks.
2. Focus on cleaning up the potential and tap funds from the potential.
In view of the problem of high capital occupation and great potential of commercial enterprises, this year we suggested that the municipal government hold three mobilization meetings to pay off debts, formed leading groups at all levels to tap potential, and formulated a series of reward and punishment policies, which set off a "one-man show" in the city and turned it into a chorus of banks and enterprises, which effectively promoted the development of tapping potential of commercial enterprises in the city. In the third quarter, we also organized a "trilogy of debt settlement", and sent 28 loan officers to help enterprises settle their debts at three levels: inside the city, outside the city and outside the district. The loan was 317,5810000 yuan, which was well received by enterprises.
3. Fully urge enterprises to replenish capital and squeeze consumption funds.
In order to solve the problem that commercial enterprises have little self-owned funds and poor ability to resist risks, we not only issue working capital loans and urge enterprises to use interest rate leverage to replenish capital, but also widely publicize and actively mobilize enterprises to learn to live a tight life and change consumption funds into operating funds. Under our impetus, all the 2.85 million yuan of funds prepared for consumption were used by seven enterprises to participate in the turnover. For example, the regional textile station delayed the construction of dormitory buildings, leaving 850,000 yuan of profits for enterprises, all of which were used to supplement working capital. This year, * * * urged commercial enterprises to make up 6.5438+0.58 million yuan, six times the annual plan.