How to improve the operation and management of banks 1 (1) There are many kinds, which reflect that thousands of lines converge into one needle.

Operators should not only abide by the rules and regulations of operating lines, but also be better familiar with other professional business knowledge, such as a loan business, that is, they should abide by the provisions of the credit system and meet the requirements of operating lines and pipelines, and the business can be successfully completed only after the implementation of various systems. In fact, banks have high requirements for operation management and counter operation positions. This is also a window for banks to serve the outside world and show their skills.

(two) timely and accurate, should be the primary task of operation and management.

In fact, the customer's requirements are very direct, that is, speed and quality, which to some extent exceeds the smile service and other forms. However, from the operation of the bank counter, in some cases, the teller entered the data carelessly, the audit of important links was not strict, the check of bills and vouchers was not meticulous or the required information was incomplete. It not only brought inconvenience to customers, but also laid a certain hidden danger for future economic disputes.

(c) Go round and round to ensure consistent service for customers.

There is not much difference in the daily business of bank counters, but with the continuous updating of business, customer demand is also improving, and repeated work will objectively produce a state of fatigue. Therefore, it is necessary to do a good job in psychological counseling and business guidance for tellers, pay more attention to employees, pay attention to their ideological and emotional fluctuations, family environment and physical health, and do a good job in communication.

(d) Leverage and strive to achieve the set goals.

Those who cheat horses are not good enough, but cause thousands of miles; A man who pretends to be a boat can't swim, but he can't swim. Branch presidents can effectively exert control measures through effective leverage.

First, with the help of managers at all levels to give full play to their own characteristics and advantages, and with the help of collective strength, to achieve the established goals. The sub-branch requires the person in charge of the operation department to be fully responsible for the work of this line and implement the work arrangements of the bank leaders. The two supervision managers undertake the supervision and counseling work of outlets in their respective jurisdictions, and the operation director is specifically responsible for the operation of the unit. People at all levels are responsible for guarding the soil and giving full play to the role of human control;

Second, with the help of advanced information management system, problems that were difficult to find in the past were revealed in time. The business of key links and key points was recorded in real time by the system and distributed to outlets step by step, which not only reduced the labor intensity of supervision, but also standardized the counter operation in the shortest time, giving full play to the role of computer control;

Third, with the support of remote monitoring hardware, multi-angle, all-weather video monitoring of counter business is carried out to give full play to the role of off-site supervision.

(5) Take multiple measures to further promote the establishment of the three major railways.

First, make use of various conference opportunities to do a good job in publicity and counseling. Make full use of monthly meetings, quarterly risk analysis meetings, experience exchange meetings, etc., sort out and summarize the main points of operation business in time, and convey the risk concept of "the system is a high-voltage line, and whoever touches it will get an electric shock" to front-line tellers; And carry out special training for real-time update business, such as risk point identification and call list identification; At the same time, it will play a typical demonstration role, and organize other outlets to the selected three railway units for on-site observation and study in spare time to do a good job in benchmarking.

The second is to help the disadvantaged employees. This paper sorts out the mistakes of tellers, analyzes the causes of the mistakes, and focuses on punishing tellers with relatively high error rate in addition to the system provisions, but also providing targeted help. Require supervisors or auditors to check the integrity and correctness of data in real time one by one.

The third is to strengthen on-site inspection. Check the key businesses and conduct follow-up inspection to ensure that the existing problems are truly rectified. To check the counter business manual register, job responsibilities and job restrictions, customer reconciliation signing, file management, account opening, loss reporting, large payment, etc.; At the same time, a problem account should be established. For the problems found in the examination, it is necessary to establish a problem counseling list and ledger.

The fourth is to improve the incentive mechanism. Sub-branches have formulated the percentage assessment method for operation supervisors, which will be assessed once every quarter. The top three supervisors will be rewarded at the end of the year. For the last operation supervisor, the branch will make adjustments according to the situation until he is dismissed. The results of the annual comprehensive evaluation will serve as the main basis for the annual assessment of the operation supervisor. At the beginning of each year, the manager of the operation department, the operation supervisor, the person in charge of the outlets and the teller respectively signed the 20 15 annual responsibility letter for operation management, which defined the subject, objective, content and investigation of the responsibility.

Extended content

Paper on bank management

Analysis of Bank's Profit Model and Current Situation

Based on the profit model of banking industry, this paper discusses the current profit environment and puts forward scientific countermeasures on how to improve the profit level of banks in an all-round way. It is of great practical significance to comprehensively enhance the core competitiveness of banks and promote their stable, sustained and healthy development.

Keywords: bank management papers

1, industry profit model

1. 1 the connotation of profit model

The profit model adopted by commercial banks is usually a financial revenue and expenditure system based on the current economic situation and the corresponding market system, with assets and liabilities as the basic structure. From the perspective of income, the profit model of the banking industry covers traditional and non-traditional categories. The main income structure of traditional profit model lies in credit interest. In this model, asset scale expansion is generally the main means. Of course, in the process of over-reliance on credit, the types of services provided by banks are often not rich and simple, and banks will not provide personalized and differentiated services through fierce competition. The income structure of non-traditional profit model is mainly to carry out non-traditional business, such as retail, private banking and intermediary business. This profit model embodies greater innovation, openness and flexibility, and has higher added value.

1.2 profit composition

Judging from the contents of various profits of commercial banks, their operating income usually includes pure interest, handling fees and investment income. According to various business models of commercial banks, the fees they receive usually involve many aspects, such as intermediary business income. , are non-interest income. In the service process, it is necessary to handle settlement, complete trust service, engage in lease management, carry out agency financing, provide necessary consulting services, handle bank cards, provide guarantee services, conduct remittance and acceptance business, handle letters of credit, start financial business and conduct options and futures trading. , are profitable business categories.

1.3 Main criteria reflecting profit level

The profit level can be reflected by various index systems, usually based on the research and analysis of profit structure. The goal is to judge the ability of commercial banks to finally win profits and the effectiveness of financial management, and to measure their reliability, feasibility, reasonable security, cash recovery level, growth, long-term effectiveness and greenness. Although the business scope of each bank is different, and their key contents are no different, the basic standards are similar in the process of reflecting the profitability level. For example, it can be reflected by indicators such as net profit, capital, asset profit, risk control capital gain, and pure interest income.

2. Characteristics of profit environment

2. 1 International situation

At present, the world economy is in a state of deepening adjustment, and the economic recovery period has arrived, reflecting the problems of unbalanced development and obvious weakness. The economic recovery in the United States is gradually slowing down, and the Fed's interest rate hike will cause obvious fluctuations in the exchange rate, which will obviously affect the capital flow. The marginal effect of European monetary easing is gradually decreasing, and the marginal effect of European and Japanese loose monetary policies is declining, so it is difficult to enter the rapid growth track in the short term. Although emerging economies are constantly emerging and playing an important role in the development of the world economy, on the other hand, there is also the risk of currency depreciation, which can not stimulate external demand and lead to a bad situation of debt crisis. A series of measures taken by the new President Trump reflect that the Fed's interest rate hike is more spillover, and the trend of anti-globalization is gradually reflected, which makes the economic development and political structure in the international field more complicated and increases the uncertainty of global economic development. This can be seen from the relevant forecast of the International Monetary Fund, which analyzes that the global economy grew by only 3.4% in 20xx, which is not up to the average achievement in the past 30 years. In the United States, GDP has been showing a steady growth trend. In the fourth quarter of last year, GDP reached 4.2 trillion US dollars, with a growth rate of 2. 1%, which was higher than the expected standard. At the same time, the unemployment rate fell in March, reaching 4.5%, the lowest standard in the past decade, and the CPI rose year-on-year. In March, the Federal Reserve decided to raise interest rates and raised the federal funds rate to the range of 0.75%- 1%. At the same time, it is expected that there will be two or three interest rate hikes. Because most Fed officials have drawn up balance sheets to tighten the Fed's assets, the dollar is in a state of tight liquidity. The European economy shows a trend of gradual recovery. In the fourth quarter of last year, GDP reached 2.3 trillion euros, achieving a growth rate of 1.6%; In February of 20xx, CPI reached 2% and showed a stable trend. In February, the unemployment rate dropped to 9.5%, the lowest level in the past decade. The European Central Bank usually maintains a loose stance, but Draghi recently said that it is more likely to raise market interest rates. Japan gradually got rid of the shadow of deflation. In the fourth quarter of last year, the total GDP was 13 1 trillion yen, with a growth rate of 1.2%. In February of 20xx, the CPI index reached 0.2%, which remained positive for six consecutive months.

2.2 China's current economic situation

At present, China's economic development has always been at a reasonable level, which is characterized by becoming stable in slow progress and getting better in stability. Last year, the gross domestic product reached 6. 7% growth. All the work has achieved remarkable results, and it has formed a strong support for economic construction through continuous innovation. In particular, high-tech industries, new strategic development projects, equipment manufacturing and other fields have shown rapid and steady growth, and the employment situation is good, which has provided a good guarantee for development and transformation. Of course, on the other hand, China's economic development also reflects some shortcomings and defects, which are facing a severe test. For example, the production capacity tends to be surplus, and the increasingly complex demand structure leads to obvious contradictions. The manufacturing industry is caught in the investment bottleneck, the investment from the private sector is in a negative growth state, and external demand cannot effectively play a powerful driving force. The development of real economy faces many difficulties, and the economic gap between regions is obvious. The China Economic Conference further clarified that there are contradictions and some shortcomings in the operation and development of the market economy, which are rooted in the bad imbalance at the structural level. We must actively innovate and reform from the supply side and structure, and strive to explore a new dynamic balance between supply and demand.

2.3 Financial situation

In recent years, under the interaction of foreign economic and political environment, the financial situation has become more complicated and presents a high degree of dynamic variability. Therefore, financial security should rise to a higher level, pay attention to the prevention and control of financial crisis, control important risk factors in the international financial market, actively promote comprehensive reform in the financial field, and form a joint force through effective supervision and management. At the same time, the goal of developing finance is to provide quality services for the real economy and promote the renewal and reform of supply. Looking at the current situation, we put forward the following expectations: First, we need to deepen reform and promote the further marketization of interest rates. Facing the increasingly rich financing methods, how to use the financial system more effectively and reduce the input cost of enterprise financial management is an important direction of the current interest rate marketization development and reform, especially under the premise of strengthening structural reform, saving costs and improving efficiency. Second, the trend of materialization of financial services is more clear. At present, the phenomenon of internal circulation and virtual use of monetary funds in the financial market has further had a negative impact on the optimized structure of the real economy, and there have been problems of bad imbalance and declining profitability, which has caused the financial sector to fall into a bad situation of asset shortage. With the promulgation and implementation of the deleveraging policy, finance will boost the development of the real economy with the effect of blood transfusion, and this function will become more and more obvious, reflecting a better supporting role. Third, financial risks are accumulating, and supervision needs to be further strengthened. In recent years, the rapid economic growth in China has gradually increased the risks in the financial system. For example, the accumulation of non-performing assets, the high risk of internet finance, rapid liquidity, bond default, the gradual expansion of debt, and shadow banking are all enough to prove that the risk level is gradually improving. Therefore, we must strengthen supervision and management through effective linkage mechanism, comprehensively rectify financial chaos, better guard against risks and enhance comprehensive competitiveness.

2.4 Monetary policy

The monetary policy in 20xx has the characteristics of steady and rising. The spirit of last year's China Economic Conference demanded that the monetary policy should be steady and the liquidity should be basically stable, that is to say, the monetary policy has achieved a reasonable turn. In fact, at the beginning of 20xx, the money market showed the characteristics of neutral flow, and the loan interest rates of various banks fluctuated obviously, and the level was high. It is characterized by tight funds and obvious characteristics of high quality and high price. At the end of last year, in order to effectively limit the growth rate of credit and keep it within a reasonable range, the People's Bank of China regulated the loan balance through large-scale management. After 20xx years of operation and development, the People's Bank of China has carried out regulation on a quarterly and monthly basis, with increasing intervention. Until mid-April, the People's Bank of China conducted mid-month management and regulation for the first time during the year, and arranged for banks to reduce the amount of loans issued in that month. Thus, from 20xx, the credit crunch will fall into the normal state.

2.5 exchange rate trend

In late April, the exchange rate of US dollar against RMB reached 6.893 1, up 0.6% from the beginning of the year. In the short term, the spread between China and the United States is increasing, which means that the trend of RMB depreciation is slowing down, greatly improving the phenomenon of capital outflow. However, in the long run, the monetary tightening level of the United States is always higher than that of China, and the spread between the two countries will continue to narrow, which means that the RMB still shows some depreciation pressure.

3. Countermeasures to comprehensively improve profitability

3. 1 Optimize revenue and cost management, and actively do a good job in increasing revenue and reducing expenditure.

To improve profitability, we should take a two-pronged approach from the income and cost levels, clarify customer needs, grasp the characteristics and advantages of banks according to business characteristics, and strengthen the development of intermediate products. Furthermore, it is necessary to establish a sense of management, especially in the management of promised loans and taxes and fees, to be more precise, to control management costs, and to make the deposit structure more perfect.

3.2 Optimize financing and pricing, and actively manage marketing.

In view of the current market environment and situation, do a good job of analysis and judgment, optimize the pricing model according to the cost and customer demand, and make a faster response. In addition, we should improve profitability through effective development, active cooperation and introduction of comprehensive marketing model.

4. Conclusion

In a word, in view of the bank's profit model and the current market situation, only by formulating scientific countermeasures can we really improve the bank's profit level, ensure the stable and orderly economic environment, and truly realize sustainable and all-round development.

References:

[1] Qiao Guiming, Wu. Reflections on the transformation of profit model of commercial banks in China from a multi-dimensional perspective [J]. Research on financial problems, 20 13(0 1).

[2], together. An Empirical Study on Profit Model of Listed Banks and Bank Value Creation [J]. Journal of Central University of Finance and Economics, 20 12(5).