Annual work summary, product manager (1) of the Bank, working for 20xx years. There are many memorable things for the bank employees in the reform xx center, especially the comrades who work in the position of account manager. At the beginning of the year, I competed for this position. In my own words, "this is the first time I have officially stepped onto the platform of work for many years", and I almost lost the election unexpectedly. The competition made me feel the pressure from the beginning, that is, since then, I have more vitality in my heart, so I must work hard and live up to my mission. He thinks so and does so. Over the past year, I have closely followed the pace of the leadership of the sub-branch in my work and completed all the work well around the work focus of the sub-branch. With wisdom and sweat, with actions and effects, the spirit of dedication and selfless dedication was demonstrated.
Up to now, the new deposit task of xxx million yuan has been completed, xx% of the plan has been completed, X acceptance bills with the amount of xx million yuan have been discounted, the income from intermediary business has been xx million yuan, and personal deposits have been XX million yuan. At the same time, it also completed fund sales, credit card and debit card marketing, completed the online banking system of the construction bank of the power supply company, and assisted the branches in the research and development and promotion of the real-time electricity bill collection and payment system.
First, customers are the first, and deposits are the center.
In my work, I always set up the concept of customer first, taking the customer's affairs as my own business, worrying about the customer's urgency and thinking about the customer's thoughts. In terms of working methods, I always achieve "three diligence", diligent in moving my legs, diligent in hands-on and diligent in thinking, so as to win the support of customers for our business. I can be a serious and responsible person in my work. He looked up more information from a company's secretary resource online. The financial staff grasped the information with an inconspicuous sentence and gave timely feedback and follow-up. Finally, nearly xxx million yuan of funds arrived at the beginning of the year, which achieved a "good start" and laid a good foundation for the bank to increase deposits.
In the process of serving customers, I am careful and inject brotherhood and friendship into my work, which makes the simple and boring service work colorful and truly embodies the concept of customer first. When a customer receives flowers from him on his birthday, he will be moved by this surprise. If the customer receives his short message when he is upset, he will definitely put his unhappiness behind him for a while and hold a little gratitude; And when the customer is unfortunately lying in the hospital bed, he will see him running up and down after he is busy ... Although everything is normal and simple, there are not many meticulous people like Chen Gang.
Second, "the needs of customers are my job"
I have been engaged in credit and deposit work in banks for more than ten years, and I have a comprehensive ability to work independently. With the needs of bank reform, my working ability and comprehensive quality have been greatly improved, and my business level and professional skills have also been updated and improved with the reform of CCB at various stages. In order to fulfill my mission and complete the tasks assigned by my superiors, as the account manager in charge of several key customers, with the help of branch leaders and department colleagues, I boldly explored ideas, established the concept of customer first, recruited different customers, adopted different working methods, and strived to provide customers with the best financial services. In his own understanding of work, it is "the needs of customers are my work".
Third, open up new ideas, be brave in innovation and work creatively.
With the reform of China's economic system and financial system, the trend of customers choosing banks has been formed, and the competition among banks is becoming increasingly fierce. In terms of business development, you have me and I have you. In order to survive and develop in the competition, how to serve key customers plays a decisive role in our business development.
I think as a good product manager, we should always pay attention to market research and 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 customers' funds through the research on customers, and strive to track the downstream funds from customers to our bank, so as to realize the "monopoly control" of funds from the source, realize the internal circulation of funds and consolidate our financial strength. This year, in one of his clients, the capital flow is relatively large. In order to make his own funds circulate in the body, he started from scratch, won the trust of the unit with high-quality service, and gradually found out the downstream units of the unit. Through many door-to-door contacts, all the infrastructure funds allocated by the unit have been opened in our bank. In addition, in July this year, when the municipal government asked the national treasury to collect and pay the account of the budget unit and transfer the funds to the commercial bank, he took the initiative to contact the door and successfully retained a customer to open an account in our bank.
For example, taking health and fitness activities as a clue, carrying out table tennis and badminton activities with customers not only pushed the communication with customers to a deeper level, but also broke the traditional public relations model and received very good results in the work. In X this year, when having a friendly skill exchange with the relevant personnel of a real estate company, I learned that the customer wanted to auction some of his properties, and he worked actively to successfully transfer the auction money of xx million yuan to our bank.
I have a strong sense of professionalism and responsibility in my work. I work hard and actively. I never pick and choose, and I don't pick heavy ones. I can try my best to finish every job on time and with good quality. In his daily work, he always insists on high standards and strict demands on himself, taking the overall situation into account, regardless of gains and losses. In order to complete various tasks, he sacrificed his spare time, gave up weekends and holidays, and used all the time and opportunities to serve customers, make friends with customers and be friends that customers would like to associate with. Through unremitting efforts, I handed in a satisfactory answer sheet for myself in my 20xx years of work.
Annual Work Summary (II), Product Manager of Bank, 20xx years. With the care of the branch leaders and the help of my colleagues, I have made some achievements in my work, made great progress in my banking knowledge and improved my personal marketing ability.
First of all, in terms of work performance, under the guidance of branch leaders, I made great efforts to market corporate finance and successfully undertook the first credit business since the transformation of xx Branch. By the end of 20xx, the Bank's accumulated credit line was xx billion yuan, which drove the company to deposit more than xxx million yuan, realized interest income of more than xx million yuan and realized intermediary business income of xxx million yuan. Personal housekeeping enterprise XX has been successfully declared as the focus of financial management at the head office level, and is assisting branch leaders to actively market a number of XX downstream enterprises. In the marketing of small enterprises, we also successfully marketed a xx enterprise, and realized the library of] model documents by cross-marketing. At the end of the year, we increased our personal savings by XX million yuan. In the small index assessment of the company's financial manager, my performance ranks in the top x of the whole branch.
Secondly, by learning from leaders, product managers and books, we have fully mastered our credit business knowledge. A year ago, when I first transferred to the company as a financial manager, I knew little about the company's business and credit products. After one year's study, I have basically mastered the elements of most credit products of China Everbright Bank, and can design a reasonable credit plan and specific business products for financial management through communication with financial management according to the financial situation, guarantee situation and business characteristics of financial management. In addition, while being familiar with the business products, I actively studied the credit risk control measures of China Everbright Bank, and as the only product manager, I participated in the first credit examiner examination held by the branch and passed it smoothly. In the compliance essay activity held by the branch, my article "It is imperative to build a deep-rooted compliance culture of commercial banks" won the second prize of the head office.
Finally, in the process of business marketing, study hard, accumulate bit by bit, and strive to improve personal marketing ability. As a financial manager, his duty is to serve financial management well. On the one hand, he must be familiar with his business products and understand what he can bring to financial management. On the other hand, he must understand what financial management wants, especially the latter, and understand the needs of financial management, so as to create conditions to meet them. The improvement of personal marketing ability lies in the understanding and satisfaction of financial management to a great extent. Therefore, in the process of communication with financial management, I constantly explore my hobbies, interests and specialties in financial management, and strive to talk about financial management topics that I am interested in and solve problems that need to be solved urgently.
The past year has been a year of enrichment and progress for me. At the same time, these personal achievements can not be achieved without the care, guidance and encouragement of branch leaders. Of course, in the past year, I also made mistakes and had some shortcomings, especially in maintaining stock financing and tapping financial resources, which is exactly where I need to work hard in the future.
20xx's work plan is, first of all, to maintain the existing credit financing, make good use of resources, do a good job in financial marketing, and maximize the profit of credit line under the current tight credit situation. Secondly, we should firmly grasp the regional characteristics of Haizhu, open up professional markets, do a good job in credit marketing for small and medium-sized enterprises, and strive to achieve results. The third is to give full play to the advantages of wealth management products, strengthen on-site services, and tap the deposit potential of stock settlement accounts and market companies. Fourth, vigorously expand the small business settlement households around Haizhu Sub-branch. Fifth, strengthen cross-marketing and provide all-round financial services together with personal financial managers.
After 20xx years, I am determined to work harder, study hard, strive for progress in all aspects and become an excellent financial manager.
Annual Work Summary (III), Product Manager of Bank, 20xx years. For me, there are many things worth remembering, especially in the position of account manager. The competition made me feel the pressure from the beginning, that is, since then, I have more vitality in my heart, so I must work hard and live up to my mission. That's what I think and do. Over the past year, I have closely followed the pace of the leadership of the sub-branch in my work and completed all the work well around the work focus of the sub-branch. With wisdom and sweat, with actions and effects, the spirit of dedication and selfless dedication was demonstrated.
Over the past year, I have been able to seriously study various financial laws and regulations, actively participate in various learning activities organized by banks, and constantly improve my theoretical quality and business skills. Especially after working as an account manager in a personal financial center, I asked more questions, learned more things and practiced more. As an account manager, everything I say and do represents the image of our bank. Therefore, I have high standards and strict requirements for myself, actively consider for customers, publicize our new products, new businesses and new policies to customers, and expand our popularity. Usually, when customers have different views on our work, I can also explain clearly what customers don't understand, and finally satisfy customers.
While doing my job well, I tried my best to help other comrades. Comrades, if you have any questions, just ask me, and I will answer them seriously. I will humbly ask old comrades if I have any questions. 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 work, you must improve your professional quality.
Marketing is the main task of account managers, but how to balance "tasks" and "customers" and how to achieve "win-win"? In the past six months, I realized that only by asking questions to customers like a doctor, can I get the trust and support of customers.
Customers' assets are more important than their own, and customers can't lose money. Once you lose money, you will be suspicious, and it may take ten times or a thousand times of efforts to regain the trust of customers. At work, I try to collect customer information comprehensively, and record the customer's name, telephone number, characteristics, demand for how much money, price when purchasing products, etc. , and file them. Mark the names of people who need to handle related business, and call customers one by one to remind them, and customers will cooperate with me to come in time. Sometimes customers often bring me unexpected gains. My customer is my "relay station" for sending marketing signals. They will use their personal experience to spread the reputation of CCB and introduce more high-quality customers to me.
The times are changing, the environment is changing, and the work of banks is changing from time to time. Every day something new appears and something new happens, which requires me to change with the situation. It is my goal to learn new knowledge, master new skills, adapt to the changes in the surrounding environment, improve my post-holding ability, cultivate myself into a comprehensive account manager and plan my career better. Of course, I still exist in the handling and operation of some details.
I will hone myself in my future work and study, improve myself with the guidance and help of my leaders and colleagues, give full play to my advantages and make up for my shortcomings. In the future, I will try my best to do the following. I hope leaders and comrades will supervise and guide me:
First of all, the moral aspect.
As a product manager, in terms of morality and responsibility, you must have high moral cultivation, strong dedication, decent style, strict self-discipline and self-care.
Second, the psychological aspect.
Account managers should be mature and healthy. Bad temper, able to deal with setbacks and failures rationally. We should also be aggressive. At the same time, we should have strong communication skills and charm in language, manners, figure and temperament. Warm and cheerful personality, humorous language, flexible handling of problems, cautious and responsible business operation.
Third, business.
Account managers should have systematic and solid business knowledge. First of all, we should be familiar with the bank's loan, deposit, settlement and intermediary business knowledge. It is necessary to master both the main business knowledge and the less popular business knowledge; Not only should we have a high level of policy theory, but we should also be able to introduce the operational processes of various businesses in detail; We should be familiar with traditional business and grasp emerging business in time.
In addition, product managers should have legal knowledge and economic knowledge, especially the ability to provide customers with a variety of alternative investment and financial solutions by comprehensively applying various knowledge.
Fourth, marketing.
The product manager should be a marketing expert. We should master the basic knowledge of marketing and take an active part in practice. Master self-promotion skills, speech skills, product promotion skills, communication skills with customers, and refusal handling skills.
Finally, in the new year, I will, as always, strive to be an excellent product manager. Do a good job, work together with the staff of the whole bank, unite as one and fight for it to the end.
Annual Work Summary (IV) The product manager of this bank worked as a department manager in the personal business department of xx Branch from the end of xx to the beginning of XX due to work needs. According to the working ideas of the Party Committee of the Bank and the current situation of personal business development in xx Sub-branch, the working direction of "attaching importance to traditional business, paying close attention to new business and promoting steady and rapid growth of personal business income around new economic growth points" has been established. Specific work report
I. Promoting the steady growth of deposits and loans
Under the correct leadership of the Party Committee of the Bank, various labor competition activities such as "Spring Action" and "Summer Passion" have promoted the steady growth of savings deposits and personal loans. Thanks to the joint efforts of the staff of the whole bank, savings deposits increased by RMB ... X At the end of the year, on the basis of the balance at the beginning of the year, xx% of the plan issued by the branch was completed, and loans increased by RMB. ...
Combined with the high-quality transport capacity of xx Yangtze River waterway, and with the investigation of the three rural personal finance business department of the municipal branch, the Measures for the Administration of Personal Ship Mortgage Loan of xxx Branch (Trial) was issued, and xx Branch became the first branch to offer personal ship mortgage loan. As a big water transportation county, we have a new economic profit growth point.
Two, promote the sustainable development of the work of agriculture, rural areas and farmers, and reduce the loan risk of agriculture, rural areas and farmers.
Continue to promote the work of agriculture, countryside and farmers with "xxx", "xx" and "xx" as the support points. Collect the information of more than xx rural commercial banks, organize a training meeting on the installation and use of X rural commercial banks, install 60 rural commercial banks at one time, open xx rural commercial banks with small cash withdrawals, and broaden the card environment for benefiting farmers.
Under the leadership of the president, we went to three rural outlets for a thorough investigation. In view of the current situation of "the growth of non-performing loans of small-scale agricultural loans" and the actual situation of farmers, the scheme of "prosecuting part, deterring part, collecting part at home and suspending part" was formulated and implemented to prevent the non-performing loans of small-scale agricultural loans from being blocked. Through various means, the county * * * recovered xx million yuan, and the non-performing rate was controlled below 5%.
Three, pay close attention to the development of new business, wealth management products and gold sales to achieve zero breakthrough.
In view of the new changes in the financial market and customer demand, we will promote the marketing of wealth management products from the interests of customers. First, it took the lead in marketing the wealth management products of xx million yuan. Secondly, I worked out a reward method for wealth management products, and then explained the spirit of wealth management products to the director, lobby manager and account manager. At the beginning, every time there is a new wealth management product, the information and key points will be printed to the lobby manager Wang Xiaoyan and others, and marketing will be pushed away from point to point. By the end of X, * * * had sold financial products of RMB xxx million.
In view of the recovery of the gold market and the customer's requirements, the lending branch agreed that the business department of xx branch should take advantage of the east wind of buying and selling physical gold, and with the support of bank leaders, coordinate the internal departments of the banking regulatory bureau, the industrial and commercial bureau, the branch and so on to successfully sell the physical gold of the business department of xx branch in X, and organize the marketing of xx grams of physical gold in that month. In X month and X month, they both won the second prize in the precious metal sales competition of San Agricultural Bank of China, with a bonus of 3,000 yuan each.
Fourth, attach importance to the development of credit card business.
Strictly control the incremental quality of credit cards to avoid the phenomenon that "bad money drives out good money" in monetary science from happening to platinum credit card customers. For the existing platinum credit card customers, we should change the current situation of "re-issuing cards, ignoring management and neglecting education", sort out the original customer groups, pay equal attention to kindness and credibility, guide customers to use platinum credit cards correctly, spend money reasonably and earn points reasonably, and avoid malicious cash withdrawal and malicious overdraft. Give continuous use and appropriate increase to customers with high points, high installment and high contribution rate, and give credit relief and credit lock to customers with low points and no installment, so as to promote the benign, healthy and sustainable development of credit card business.
Under the correct leadership of the card department of the branch and the bank leaders, I led the account managers of the finance department and outlets to actively develop credit card installment repayment and credit card installment car purchase business. 20xx On March 3, China Agricultural Bank added a monthly installment amount of xx million yuan, and the number of new cars per month was xx, ranking second; The monthly installment amount of xx branch in X month is xx million yuan, and the number of new cars is xx, ranking second; In Xx month, xx Sub-branch added a monthly installment amount of xx million yuan, adding xx vehicles every month, ranking second, and was awarded an incentive fee of XX million yuan by the branch to XX Agricultural Bank. This year's credit card business income increased by xx million yuan compared with the same period of last year, with a growth rate of xx%, which made great contributions to the intermediary business income this year.
Verb (abbreviation of verb) VIP team building has made some achievements, but there is still a long way to go and efforts are needed.
No matter how fierce the competition between banks is, its essence is just the competition for high-quality customer resources. Therefore, paying attention to the construction and management of VIP team and enhancing competitiveness will determine who will occupy high-quality customer resources. This requires: first, team members should have a high sense of responsibility, dedication and comprehensive quality; Second, we should have good financial products, and carry out comprehensive financing and combined marketing of various financial products for people with different personalities and needs. No product can satisfy all customers, and no account manager can handle all customers. No matter people or products are flawed, there is no perfect individual, only a perfect team. This is the goal, and we still need to work hard. In the appraisal of the city branch, xx Agricultural Bank won the X and X places in the VIP team management of the city branch in X and X months of 20xx, respectively, and won an expense prize of X million yuan.
Six, pay attention to network transformation and quality civilized service.
According to the requirements of the transformation of network construction, we will attend the morning meetings of various institutions from time to time, preach financial products and financial product marketing, and participate in branch training skills for job transfer training.
Make use of the "secret person's unannounced visit" of the head office to improve the civilized and high-quality service of outlets, formulate the "Measures for Rewards and Punishment of Civilized and High-quality Service Management of xx Branch", organize a staff member of the Finance Department to inspect and supervise institutions from time to time, and call on everyone to "make civilized and high-quality service a habit!"
Looking back on this year's work, I was in a hurry, with achievements and some unsatisfactory places. Thanks to the correct leadership, care and support of the bank leaders and the great help of my colleagues, I will continue to work hard and make selfless contributions in my new job.