一键复制
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金融硕士自我评价篇一
first, the business operation completes the situation
the company achieves total revenue of 10,000 yuan by 20xx, of which the loan interest income is 10,000 yuan.
work measures and development
first, we will continue to optimize the quality of credit through development.
in the year of 20xx, our company is developing the service attitude, taking the active passion and realizing customer satisfaction. in order to implement professional management on lending, credit established: loan procedures, review of loan management format, set up a more complete set of form of post-loan inspection work made the concrete operation process. at the same time, the company insists on the principle of studying on the side of the work, insisting on the knowledge of friday afternoon, the meeting of monday morning, and summarizing the work of the week.
we will improve the level of loan management in an all-round way with the premise of "norms"
create a small loan management model for farmers. the company is to make the pilot of small rural loans, the key support of the farmer in huixian county. this year, in order to guard against credit risk, loan department set up electronic parameter management of credit files, establish archives information, strict appraisal appraisal, guarantee loans back on time.
taking the "risk on" as the core, the comprehensive solution to the credit risk
according to the relevant requirements of chairman, we constantly dissolve the risk in the work, in combination with the practical situation of our company, to establish risk early warning mechanism, the end of every month for next month's loan, the establishment of early warning that weaves collection parameter, do it on time, timing, collection of loan principal and interest.
one is to ask the loan officer to complete the loan and prevent the occurrence of illegal loans.
second, we will strictly implement the classification of loans, and carry out risk management. to carry out risk classification according to the principle of "monthly classification, real-time adjustment".
third, the report of the credit report, the examination and the monitoring work of bad loans. to take timely measures to detect bad loan signals and to give feedback to the chairman, and to issue the notice of the loan to the customer on a regular basis.
third, there are problems
review for one year of work, although we made great efforts, but there are still a big gap with the requirement of the chairman, mainly displays in: one is the credit personnel quality remains to be further improved, the ideological understanding is not enough; second, the quality of credit assets has yet to be improved.
fourth, the next work plan
recognize the situation and plan for it. due to the impact of the domestic financial environment, the financial industry is expected to face greater pressure in 20xx, which will have an impact on credit operation. therefore, it is important to organize carefully to make sure that "three early days" will complete the work.
one is early research. we should fully recognize the strong development momentum of the industry and the serious situation of market competition, and carefully analyze the direction of the fund market.
second, plan early. to further develop the spirit of continuous combat, seize the initiative of the work and organize the staff to study the cbrc document spirit.
third, prepare early. plan and plan for the next year. to ensure that there is pressure and confidence;
four is to move fast. company staff manages concertedly, try to overcome thought lax, discipline, the phenomenon of slow, ensure that credit work steady, healthy and orderly conduct of next year.
scientific development and overall consideration will further enhance the strength of credit marketing.
first, we will continue to increase our lending to agriculture, rural areas and farmers. to strengthen the service consciousness for the agriculture, actively promote farmers group lending, small credit loans, effectively solve the farmers loans difficult, firmly rooted in the rural, efforts to expand the microfinance market share of retail business.
second, we will increase the cultivation of good customers and ensure credit lines. on the basis of this year, according to the nature of industry, and the product of the market prospects, technical inputs, such as the actual situation, for next year's enterprise credit, loan structure reasonable adjustment, to ensure the normal operation. the issuance of loans will reduce links and improve efficiency in the absence of risk and legal review.
third, we will implement the system, strengthen accountability mechanisms, and comprehensively resolve the credit risks.
first, emancipate the mind and actively explore and put new ideas into play. to avoid bad loans made by different borrowers or businesses,
second, we will increase the level of lending. shoudai responsibilities, forbidden to risky lending, businesses and individuals at the same time to put an end to replay light receive ideas, strengthen post-loan inspection, discover the trend of loan risk, put an end to happen bad loans.
we will strengthen the training of credit operations in combination with the classification of loans.
the first is a monthly comprehensive loan class of five grades. led by the manager, lead the loan officer to investigate and analyze the loan clients, so that the credit personnel will continue to enrich their business knowledge in the actual work.
second, we will implement the credit personnel meeting system. to strengthen the credit personnel political consciousness and professional quality training, constantly enhance the consciousness of the compliance management and due diligence, continuous learning advanced management experience, find out the gap of existence, correct. in a word, i will work closely around the credit funong goal, to strengthen the construction of credit management system, outstanding for loan monitoring, effectively solve the credit risk assets, the work of the company credit to a new level.
金融硕士自我评价篇二
adjust the credit structure to promote the circulation of commodities is years under the state council put forward the governance and economic environment and rectify the economic order in the first year, the headquarters of a proposed "total control, adjusting structure, guarantee key, compression, timely adjustment," the general policy of credit, how to put this central task to carry out into our business credit work, we put forward the slogan is: the structure, the insurance market, and promote circulation. the structure of the adjustment is the foundation, the market is the task, the movement is the target. after a year of positive work, the commercial credit structure has been effectively adjusted. at the same time make the city market appeared a good situation of stability and prosperity, to complete the purchase value of 205.48 million yuan, achieve sales of 241.78 million yuan, and profit tax of 6.79 million yuan, has obtained the good economic benefits.
adjusted the two structure, activate the stock of money this year, the national fiscal and credit policy of the "double tight", its purpose is to reduce the monetary investment, promote the adjustment and optimization of original production elements configuration, so as to control inflation, the purpose of stable development of the economy. the commercial sector is responsible for the return of the currency and prosperity of the market, and how it operates, it is important to stabilize the market and promote economic development. we believe that in the case of monetary tightening, slumped, support business enterprises, improve business efficiency, save the only way out is to activate the stock of capital market, adjust structure of two, to improve the original capital use efficiency, ease the contradiction of supply and demand.
(a) adjust one, two, three types of enterprise loan structure earlier this year, according to the classification of higher government line line standard, we combined with years of our own for "ten" classification line method ", consider countries and support sequences, put forward by the head office for all commercial enterprises are classified, and pursuit of enterprises have made a plan to "increase, flat, decreases", make loans to turnover, the holding point is clear, adjust the work for this year's win the initiative.
to the end of a class of enterprise loan proportion reaches 65.9%, the year rose 4.7%, 2 kinds of enterprises 26.7%, down 2.6% compared with earlier this year, three types of enterprises 7.4%, down 2.1% compared with earlier this year. this shows that the loan structure is optimized by shifting the stock of loans.
adjust business enterprise capital takes up structure (2) for a long time, because of our city commercial enterprise management level is not high, the flow of improper use of funds, more precipitation funds, unreasonable capital stock performance for three: one is problematic goods, the more the commodity nbre unreasonable; second, the use of the settlement funds is on the high side, and the internal structure of the total liquidity is unreasonable. third, there is less capital, and the proportion of total liquidity is not reasonable. aimed at the three unreasonable, we spend big strength, hard to existing stock structure adjustment, activation of funds in the stock, mainly in the following several aspects:
1, push forward the internal bank, to the management to the money we do a good job of the pilot in years, on the basis of this year inside the have been introduced in all state-owned commercial banks, perfect the enterprise working capital management mechanism, to reduce the liquidity of run, run, drip, leak, fund use efficiency improved obviously, liaocheng city department, after the big hug in the internal bank funds use decreased significantly, while the benefits increase significantly. total liquidity this year has been up from last year. at 5%, the increase in purchase, sales, and profit was above 30%, and the turnover of funds increased by 27%. according to the statistics, this year, through the development of internal banks, the business enterprise has an estimated savings of 4.5 million yuan.
2, we will focus on potential, to dig potential funds for business enterprise capital takes up high, the potential problems, we suggest that the municipal government held a clear potential work three times this year mobilization meeting, formed the potentialities and leadership at all levels' group, and formulated a series of rewards and punishment policy, caused a heavy potentialities and everyone in the city, each to extract the climax of getting bank a chorus of "monologue" for the fact the government, effectively promote the business enterprise development work in the city. to cooperate well off of the enterprise, we also have a "off trilogy" in the third quarter, sending the loan officer 28 people, help enterprises outside the city, city, outside the three level off, clear funds back 317, 5.81 million yuan, was praised by the height of the enterprise.
3, to urge the enterprise complement endowment, to squeeze spending money %, compression of settlement funds of 6.88 million yuan, make the settlement funds of all less liquidity to solve business enterprise own capital, poor ability to resist risk of the problem, we in addition to lending funds flow using interest rate lever to urge enterprise complement endowment, also widely publicity, actively mobilize, guide enterprises to austerity, variable expense funds for business. with our push, we have seven companies that spend $285, 000 on spending to participate in the turnaround. if the regional textile station has put off the building of the dormitory building, the 850,000 yuan will be retained for the replenishment of the current funds. this year, we urge commercial enterprises to invest $1.58 million, six times the annual plan.
since we carried out the above work, make the city capital takes up the structure of the business enterprise get improved significantly, processing backlog of all kinds of goods totaled 5.95 million yuan, make the goods marketable rate rose from 85% last year to 91 ratio control under 32%.
for the whole year, the total amount of investment in the fund accounted for 1.58 million yuan, up 7.9% from 6.5% at the beginning of the year. by adjusting the structure of the two, and to promote the capital stock of positive corporate investment, accelerate the capital turnover, revitalize the large amounts of money, make capital demand big on the one hand, on the one hand, capital takes up serious unreasonable contradictions. it is the standard of judging the market for the goods to be monitored, whether the commodity is rich and the price is stable. task of commercial credit is timely and sufficient to put money to acupuncture points, support business sector organizations supply market in time, to avoid market disruption, we take the measures are:
(a) goods queuing and monitoring in order to guarantee market supply, understand what consumer goods is the most sensitive and most need, at the start of the year, we take almost two months time to queue, 300 kinds of consumer goods for the goods from the 97 kinds of best-selling products, 134 kinds of plain pin 69 kinds of commodities and unsalable goods, through the line, found out the market situation, found a job. in order to make the business sector procurement can sufficient supply market, and can prevent the backlog, reduce capital takes up, we focus on the match, soap, milk powder, enamel equipment monitoring, 50 kinds of products such as set up a monitoring card, every ten-day unified into, sales and stock of these goods, the price monitoring analysis, and then to guide commercial enterprises adjust focus.
in april and may, we found a number of businesses with weak matches, market price chaos and timely financial support for department stores. in just seven days, the market matches were abundant and prices fell back to normal levels.
in support of business enterprise management, we also think big, guide enterprises combine recent market and the forward market, combine short-term benefit and long-term benefit, combine enterprise with social benefits, to ensure long-term stability of the market. in june this year, the garlic moss in our city made a big harvest, the price of garlic moss market quickly fell, and the vast majority of farmers were worried about the market and price. we believe that if the price of garlic moss hem is too low, must want to hurt the enthusiasm of farmers, next year's vegetable market certainly be affected, to quickly solve problems, maintain long-term stability of the vegetable market, we suggest that the municipal government held by fiscal, tax, the township, city vegetables companies and other 27 units to participate in the coordination meetings, timely protection lennon and vegetables the interests of the company policies, straighten out the relationship between the various aspects. we timely issue loans of 1 million yuan, support external storage garlic moss greens lai company 1.2 million jins, stabilize the market price quickly, save the market, eliminates the hidden danger for the vegetable basket problem, the city government highly appraise to our work.
(2) pressure group, the state-run, key support state-owned retail enterprises state-owned retail enterprises are facing consumers directly, the enormity of the task for the supply market, control prices, its good or bad matter to the market; however, the collective enterprise management level is low, and the responsibility of protecting the market is not borne by the pursuit of profit.
to this end, we have identified the collective, state, and key support for the distribution of loans to retail companies. this year, loans for six state-owned retail companies rose by 1.5million yuan, while 17 businesses fell 232, 000 yuan. due to our limited and clear, make state-owned retail enterprises obviously improve the social and economic benefits, complete the purchase, sales and profit is 40.79 million yuan, 67.88 million yuan and 67.88 million yuan, respectively, than the same period last year growth of 25.6%, 31.4%, 29.8%, and cash flow to speed up 7.5% from a year earlier. attaches great importance to the final review, do a good job in comprehensive reflection to make our business enterprises to achieve substantial economic benefits, maintain liquidity intact, we in the end of spare special personnel to review all the benefit of the business, a total review of false profit is 1.34 million yuan, and promptly take decisive measures to urge the enterprises to adjust the accounts, ensure the authenticity, accuracy of year-end accounts.
this year, we also focus on the comprehensive reflection, to be a good leadership staff, total write economic activity analysis, survey report, project summary, thesis, economic information, such as 249, be employed by relevant departments of the forwarding of up to 169, through writing, the comrades of the service quality have improved obviously.
fourth, grasp the political and ideological work, and promote the cultivation of clean government this year, we always put the political and ideological work as a important part of the work, we will unswervingly implement the party's line, principles and policies, consciously, firmly resist corruption by bourgeois liberalization trend. to punish corruption and revitalize the party, we are also vigorously promotes the cultivation of clean government, formulate the implementation plan, resolutely do not accept an invitation to dinner, not only, not to borrow readers, honest, and make us a united collective, the fight collective, full of vigor and vitality of the collective.
years passed and the new year is coming, we are determined to firmly carry out the total square meter of the reorganization of the governance, adjust the credit structure, and innovation achievements, to a new level, promote our city of commodity circulation, for the development of the economy, to contribute to the revitalization of liaocheng.
