Put forward reasonable suggestions to the bank

Small banks are financial institutions that undertake credit intermediary business such as deposits, loans, wire transfers and savings, and we can put forward our own rationalization suggestions in our work. The editor carefully prepared a rationalization proposal for the bank for everyone. Welcome to reading.

Modern commercial banks are financial enterprises with comprehensive service functions, aiming at making profits, dealing in a variety of financial assets and liabilities, dealing in special commodities? Monetary capital. At present, the banking business presents new development trends such as integrated operation, asset securitization, financial innovation and bank electronization. With the emergence of new business methods, business varieties and trading methods, commercial banks have expanded from traditional fields to emerging fields. But risks are accompanied by opportunities, which will undoubtedly be a challenge of survival of the fittest.

The future development trend of the banking industry naturally puts forward higher requirements for the quality of its employees, which not only requires employees to have a high cultural level and a solid theoretical foundation, but also requires employees to be familiar with and master financial professional knowledge, and also requires employees to master professional knowledge and management knowledge related to banking, trade, commerce, finance and taxation. We should not only master basic business knowledge such as credit, savings and accounting, but also have a certain understanding and mastery of emerging industries at home and abroad. Being able to have such high-quality compound talents depends largely on the all-round training provided by banks for employees. Training is the most effective way to provide information, knowledge and related skills to improve the quality of employees.

From the domestic situation, China has irreversibly moved towards a commercial society based on finance and credit. Therefore, the desire and demand for financial talents is more enthusiastic than ever before, which also gave birth to the vigorous development of financial talent training and certification. However, behind the unusually hot, it is even more necessary to think calmly and choose carefully. There must be a mixture of good and evil people under the ten thousand streams? . At present, with the demand of business development, major banks have obviously increased their training efforts. Through training, the quality of employees has been improved to a certain extent. However, through investigation, we also found the following shortcomings:

1. Most banks only train a few people. This phenomenon is common, isn't it? Two misunderstandings? First, some leaders think that it is necessary to focus on training and selecting people with development potential, and let them participate in every training regardless of the training content, thus ignoring the training of all personnel; The second is that the current work of the unit is very important, so only those who have nothing to do are allowed to participate in the training, so the training is concentrated on some people, which leads to? Idle people train, busy people don't have time to train, and people who are in urgent need don't train? As a result, such training has no effect.

2. Does it exist in training? Two gaps? Phenomenon: First, there is a shortage of teachers. Grass-roots organizations organize training and choose some non-standard training institutions, which can not meet the needs of teachers. Often those who can talk may not do it, and those who can do it may not talk. There are very few talents who can organically combine theory with practice. The second is the lack of standardized operation. The training institutions selected for various reasons do not have necessary training facilities, such as training places, projectors, computers and other teaching facilities.

3, only pay attention to the training plan, not pay attention to the training results. The key to training implementation is to look at the training effect. At present, the superior bank attaches great importance to the training work, carefully arranges the training plan and training content, but pays little attention to the training results. This kind of training wastes a lot of time and manpower, but the effect is not ideal.

In view of the problems encountered in staff training, commercial banks must find a financial training certification with strong authority, high credibility and guaranteed quality. At present, we have carefully selected more than a dozen training certifications of commercial banks, and we all agree that CFC international vocational qualification certification can meet the training requirements of commercial banks for financial talents, and can cultivate financial talents who meet the needs of China's current economic development, accurately calculate the investment and financing costs, and scientifically choose investment and financing tools and channels.

Based on the high-end platform of the training center of the National Development and Reform Commission and the rich educational resources of major universities in Beijing, CFC international vocational qualification certification integrates the international professional qualification certification project of corporate finance. It brings together ICMA international capital market experts, leading figures in the financial industry, outstanding domestic entrepreneurs and other sources of education and practice. At the same time, by building platforms and channels with relevant government departments and research institutions, a group of financial leaders, government policy experts and state-owned enterprise executives are invited to participate in theory and teaching practice. In addition, in the process of systematic theoretical teaching, we constantly explore and solve the most cutting-edge and urgent problems of China's financial reform and industrial upgrading, closely combine theoretical teaching with practical application, and constantly cater to the needs of multi-level and compound bank talents to enhance their self-worth.

CFC international vocational qualification certification system is a new talent training system dedicated to the transformation of traditional thinking, role upgrading and service sublimation, which is mainly manifested in: ① thinking renewal. ? Thinking determines rank? , to? Stereo? 、? Deepen? Thinking about the upgrading and development of enterprises, from tradition? Corporate loan bookkeeper? Want to get back together? Corporate financial adviser? Transformation and upgrading, becoming a senior financial adviser who provides multi-dimensional perspective and lasting intellectual support with the growth and development of enterprises. ② Role upgrade. Give up purely engaging in corporate loan business? Followers? Role, through systematic knowledge updating and capacity building, to fully escort the business development of enterprises with a higher vision and a broader perspective, especially in the field of enterprise wealth management and financing? Mr. key. Role, grow up to be trustworthy? Gold medal financial advisor? . ③ Service sublimation. Improve the pertinence and adaptability of services, focus on helping enterprises to develop investment and financing, and give full play to their comprehensive service support capabilities in the field of enterprise investment and financing, such as product selection, risk prevention and strategic response. At the same time, taking itself as a platform, we will integrate financial institutions, financial instruments, technical services and other resources that provide domestic and foreign capital markets and guide enterprises to integrate into the international environment.

China Postal Savings Bank was formally established. The establishment of Postal Savings Bank is an important event in the history of China postal development, which will bear the hope of postal workers all over the country and start a new journey. At the same time, it marks that postal business and postal savings are about to be operated separately. Management and supervision according to financial enterprises is a historical product of deepening the reform of China's financial system, adapting to the demand of urban-rural dual economic structure for financial services, an effective force to serve agriculture, rural areas and farmers and build a new socialist countryside, and an urgent need to standardize postal management and development mechanism as soon as possible, prevent and resolve postal financial risks, and effectively solve the problem of postal savings funds returning to rural areas. Accelerating the reform and development of postal finance is conducive to the innovation of ideas, products and services; It is conducive to effectively alleviating the contradiction in the use of savings funds and improving the rate of return; It is conducive to gaining a dominant position in the market, expanding business areas, enhancing competitive strength, and realizing the sustained, healthy and rapid development of postal finance. Below, the author combines the actual situation of the development of postal savings in our city to talk about some understanding and views.

First, the development of urban postal savings

With the rapid development of postal savings and the continuous expansion of its scale, its business varieties are constantly enriched, its marketing channels are gradually expanded, its service functions are gradually improved, and its social influence is also increasing. Specific performance in:

First, the network capacity has been significantly enhanced. At present, there are 42 postal savings service outlets, 3 ATMs and 45 foreign exchange service outlets in the city. The outlets are all over the city, connecting urban and rural areas and connecting the whole country. Among them, nearly 45% savings outlets and 58% exchange outlets are located in rural areas. With the merger of some commercial banks, even some poor towns and villages have become the only channel for settlement communication with individual residents. Through large-scale information construction, China Unicom has established a financial computer network covering the whole country, and gradually realized the electronic processing of all business operations and monitoring.

Second, the service field has gradually expanded. In recent years, the postal financial business in our city has basically formed a business structure system with savings deposits as the main body, supplemented by various forms of intermediary business and asset business such as international and domestic remittance, transfer business, card business, agency insurance, national debt, collection and payment, agency fund and micro-loan. Business varieties are increasing day by day, constantly adapting to market demand.

Third, the scale of operation continues to expand. By the end of August 2007, the balance of postal savings in the city reached 820 million yuan, which has become an important part of the city's financial market. Urban and rural residents have opened nearly 260,000 accounts in postal savings institutions, with more than 6.5438+0.6 million customers holding postal savings green cards and 3.65438+0.6 million insurance agents.

Fourth, the service level has improved significantly. After efforts in recent years, postal savings and remittance business has formed its own characteristics in network, products and customers. And have a certain strength. The basic financial services provided have penetrated into the hearts of urban and rural residents, become important retail financial institutions, and create commercial brands that people rely on. While insisting on developing postal services, they have always strengthened their awareness of financial services and improved their service methods, especially in remote rural areas.

Looking back, postal finance has gone through an extraordinary development path, undergone several reforms and undergone earth-shaking changes. But looking forward to the future, the establishment of the Postal Savings Bank will bring us new opportunities and challenges, as well as new development contradictions and difficulties.

With the growth of current postal savings balance, the contradiction between postal savings balance and income is increasingly prominent. There is a balance when there are outlets, and there is income when there is a balance. This is the operation law of postal savings since 1986 started its business. But at present, this rule has been completely broken. Since 2003, the state has started to divide postal savings into new and old sections, and the new funds operate independently. Since then, the income pattern has also undergone major changes. Since 2005, the state has gradually transferred out the old deposits of postal savings in five years, further reducing the savings income. According to the current statistics, the old deposit interest rate is 4. 13 1%, the annual independent operating interest rate of 20xx is 3. 1 1%, and the operating cost of postal savings is 2.7% (the interest rate paid to customers is 2.25%), so the actual rate of return is already very low. In addition, after the establishment of the Postal Savings Bank, with the restrictions of objective conditions such as deposit reserve, deposit insurance reserve, reserve fund and funds in transit, the income will be further reduced. In an economically backward area like our city, postal savings account for half of the total postal revenue. With the sharp decrease in income, future development will be more difficult. Although the non-spread income is gradually increasing, it is far from making up for the gap caused by spread income.

On the other hand, although there are many postal savings outlets in cities, about 45% of them are located in rural towns. Most of the county postal savings have some problems, such as outdated business premises, insufficient safety facilities, backward hardware and equipment, and poor business environment. Due to long-term operation? Only save or not lend? , is only a branch of financial business, which makes the talents of comprehensive financial business extremely scarce. At present, savings practitioners have low academic qualifications, poor quality and low professional level, so it is difficult to carry out diversified financial services that users are satisfied with. The newly-opened intermediary business has low social awareness, obvious gap and unbalanced profit of business varieties.