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I have been working in the company since December. Over the course of the year, I have made great progress in all aspects of our efforts through the care and guidance of our unit leaders and colleagues. I now report to the unit leaders and colleagues about my work for the past year:
One, in thinking, through to participate in a series of study and training and work and the unit that I deeply realized that learning the importance and necessity of the combination of theory and practice. Before the work, I was so weak and less aware of the collective sense of honor and the big picture that I didn't know what it was. A year of work, from work to life, from life to reality, every link is so important and important. We engaged in financial work, especially when engaged in a line at the counter, I always want to maintain a high alert and careful and meticulous attitude, realize what just call: do something repeatedly is the successful reason! In the face of money, we should stand up to the test and temptation, and firmly set up the right monetary values. Security is greater than the day. We must always improve security awareness, strengthen internal control and build a strong security barrier.
Second, we should continue to maintain good working style and positive learning attitude at work. Ask the old staff for advice and study. Have the courage to explore and develop new business and new varieties, actively do well periphery deposits, combining the reality of their own work, checking, self-correction, find out the existing problems in the work, good at discovering problems, thinking. I remember I was so confused and overwhelmed when I started working. When dealing with the business, they are nervous and afraid of making mistakes. So it was a really tough day for me. In fact, it doesn't work very well, just adding more weight and stress to yourself. Afterwards, through constant practice and explore, I finally overcome the fear psychology, business also began gradually from unfamiliar to the familiar, from nervous to calm. Now, work is a pleasure for me, a duty and a noble mission.
Three, in life, never to arrive, never know to know, from nothing to have, from dependence to independence, this is a short and long journey. After a year of hard work and struggle, I have learned to their money, only know before I have no money he stretched out his hand to his parents, now their turn “in charge”, his grasp of the economy. Even the usual bedtime and rising time can no longer like before have a job without rules, to grasp their own every day, every minute, what things are only on their own to deal with, can no longer rely on family and friends. After the work, sometimes it may be late to get home, sometimes because of the need of work, and even rest is working overtime. When you finish your busy work each day, you drag your tired body home. This is work, although somewhat tired, but it is full and meaningful.
Of course, in this year of work, I also have a bad place to do. We are not mature enough, we are not active enough in our work, we are not disciplined enough in our life. We hope that through hard work and hard work, we will be able to correct our efforts and strive for the best.
The time is really fast, I have been working in my eyes for a year, and looking back on the past, I can't help thinking about it. In a word, work in just one year, but it is my life role transformation, is one of my growing years, is also my career on rural finance by the strange and familiar, love and willing to be a lifelong dedication without a year.
Finally, with the arrival of 20xx, I sincerely wish the agricultural letter of our district to be prosperous and successful. I wish the whole staff of our district trust in the New Year: good health, good work, family happiness and all the best!
Adjust the credit structure to promote the circulation of commodities is XX 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 XX 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 XX 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.
XX 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.
20 xx years, good leadership and my colleagues of concern, support, help and cooperation, better to complete the work responsibilities and tasks assigned by the leadership of the, have also made some achievements, now will I thought for a year, work, study summarized as follows:
1, thinking and learning:
Since the year of 20XX, I have been thinking and working style, and I have set up the idea of ”respecting my duty and abiding by the law“. In the usual work and life practice, set up the correct outlook on life, values, morality and consciousness of owner of the agricultural bank and can keep high work enthusiasm, initiative and sense of responsibility, can work straight the manner, on the style of work strictly implement responsibility of the position, positive enterprising, can treat colleagues, work closely with the general, common completes the labor of duty, can be positioned on the service consciousness, for customer service, and actively encourage me in all kinds of business smoothly.
Work:
In the leadership of care, support and colleagues work together, I hold the principle of ”serious work, a dignified life“, in post diligent and conscientious.
First, we are ready to serve the cabinet. We as an industry window, work keeps me in the face of numerous customers, every day I hold the ”want to think of the client, the anxious customer urgent“ service concept, with ”customer satisfaction, business development“ as the goal, do well the service, establish a good window of the zealous service image, at the same time often remind myself ”be kind to others, is to yourself“, in the busy work, I still adhere to the ”three services“, ”service with a smile,“ patient answer customer questions, meet customers unreasonable, I also try to tolerance and understanding, to provide customers with satisfactory service, to the customer left a good impression, also won the trust of the customers.
2 it is to improve the quality of the counter accounts accounting of standard operation, since last year our workload increased gradually increased, new products and new business functions, especially the data centralization changed after some practice, but I work for each item of every detail to do operation and check carefully, summarized analysis on the processed business at the same time, try to make the work in a methodical, streamline, and reached a new level, the daily calcination after tense and orderly, I feel myself work skills on a new step, do every job has a clear plan and step, really had the heart bottom, basic did it MangErBuLuan, tight and do not come loose, clear, everything is clear, I was here last year to deal with business without any error.
Three is to do a good job of the practice of the data set and switch, 20 xx years of data cleaning and concentrated engineering is one of the priorities of our bank, so I check the data before the data set on the one hand the cleanup, asset data test results for each issued by check and adjustment, ensure the accuracy of our bank PCAS data, for we have laid a good foundation for the smooth of data centralization, exercise before switching on the other hand, according to the requirements for each phase of the switching drills and stress testing, skilled operation process of the new system. Furthermore is to do a good job of switching data set, the data before and after the switch check earnestly receive, print and check the related information, to ensure that the before and after our bank data set in the data connection and data integrity.
Fourth, we have done a good job of acting as agents, and since last year we have increased our turnover of wages and budget, and we have more and more units.
In various fee collection and generation, as well as units and the bank's business, I think the customer thought, the anxious customer anxious, collaborative colleagues do well service, won the trust and support of various units accounting personnel.
Five is to do a good job of deposits, on the one hand, strengthen the service counter, with good service attitude and service quality to attract customers, on the other hand, to strengthen the listed spare store work, the use spare time to visit friends and relatives, to mobilize the relatives and friends deposit to our bank, I accumulated LanCun 05 70 ten thousand yuan.
Six is to strengthen the business skills practice, in today's financial market fierce competition, in addition to strengthen their theoretical quality and professional level, as first-line employees, we should strengthen their business skills, so that we can work in with ease, better for the general customers to provide convenient, quick and accurate service, since this year I took an active part in units at the skill practice, use of spare time and evenings at the ministry of hard work, practice skills, make oneself of the business skills have improved obviously, and passed the city branch of the organization's business skills test.
For one year, I did some work, have also made some achievements, it is with leaders and colleagues of concern, support and help, but I also has some disadvantages. To this, I will be more strict with myself in the later work practice, with pragmatic attitude actively, solid ground, work efficiently, effectively raise the quality of service skills and service, contributing to the development of our own strength.
In * * city financial work to increase financial support to the economy as the main line, actively promote the supply of credit, widen the direct financing channels, improve financial ecological environment, good results were obtained:
First, the important work of the year
(1) the main indicators are completed
1, credit work
* * in the loan balance of the banking financial institutions in the city the local * * one hundred million yuan, up 18.1% from a year earlier, * increase one hundred million yuan from a year earlier, compared with the increased one hundred million yuan * * more, 104% of the 17 billion yuan of the provincial government issued new task, ranking second in the provincial cities.
2, listing work
Jinchen machinery through the introduction of strategic investors, intermediary institutions, complete the enterprise restructuring, after entering is reported to the counseling process, * * in the first quarter is expected to declare the material. The company has launched preparations for the ipo, and the company has been in close talks with the brokerages.
Fund financing work
Exceptional equipment manufacturing, giant into the teaching of science and technology, forword industry, chemical industry and so on enterprise and the fund company negotiated, intends to introduce the fund size of a total of 540 million yuan. Everbright Macquarie China infrastructure fund is interested in controlling or participating in public utilities such as sewage treatment, heating and gas supply.
Multi-channel financing
By expanding the financing channels, to promote the business outside the watch, financing lease, trust, such as multi-channel financing, financing for the whole year more than 26 billion yuan, the 17 billion yuan target required by the provincial government plan.
The construction of small loan companies and financing guarantee companies
* * opened the city approved microfinance company 51, the amount of registered capital is 2.68 billion yuan, year accumulative total for the small and medium-sized enterprises and the ”three rural“ issue loans 20 xx pen, * one hundred million RMB, loan balance is RMB 2.03 billion. 22 hefei has approved the opening of financing guarantee company, registered capital RMB one hundred million * *, the cumulative for * RMB 4.36 billion for issuing guaranteed loans of small and medium-sized enterprises, guarantee loan balance of 4.6 billion yuan.
Main job:
We will actively promote credit delivery and encourage credit orientation.
The work is to establish a credit to promote coordination mechanism, every ten-day scheduling credit work, the last week of every month for all financial institutions on day scheduling, aggregate, said Saturday.
Goals second is to set up a credit evaluation system, the new loans will be 20 billion yuan target decomposition to various financial institutions and various city, park, the government of all kinds of preferential support credit outstanding financial institutions of deposit.
Three is sorting out the city * * at the beginning of year 171 financing needs projects, needs 43.7 billion yuan of funds, organized according to the requirements of capital financing, key project financing and the import and export many special fields such as bank business promotion.
Fourth, we have actively introduced the foreign port bank, socgen and everbright bank to open the branch in our city. By the end of * * * * years, nine outgoing bank loan balances has housed * * one hundred million yuan, 16.7% of the loan balance in the city, the annual new loans of 6.69 billion yuan, accounting for 38% of the city's new loans.
Five is to guide credit support for small and medium-sized enterprises and the ”three rural“, the city and the people's bank of holding the ”county“ financial support agriculture activities, holding consists of small and medium-sized enterprise service center for financing platform, in collaboration with CDB loans to support small and medium-sized enterprises in zhuhai was 100 million yuan, up to now totaling more than 300 small and medium-sized enterprises loans of 1.4 billion yuan.
Many measures will be used to promote the listing of enterprises.
First, we will accelerate the preparation of key enterprises to go public, so that enterprises such as * * machinery and China magnesium group have launched their public offerings in a timely manner.
Second is to intensify policy support, the city government issued policy measures to support listed companies, to keep our city support for capital and the provincial government, with the proportion in place.
Third, we will cultivate a reserve enterprise to help enterprises improve their quality, set up image and accelerate development, and strive for early access to market conditions. Four is for listed company (service, coordinate to solve the problems such as land, capital, specification, together with the city industrial and commercial bureau, the city the irs issued public policy support. Five is privately raised company bonds for the start of the new three board and small and medium-sized enterprises work to build the foundation, established new three board reward policy, contact agency to carry out the new three board and training in the promotion of small and medium-sized enterprise privately raised company bonds.
We will increase prevention and treatment of illegal fund-raising.
One is to propaganda work to implement, produced 0 vice advertising poker to extend to the grass-roots units, 15 units organized and the urban square publicity activities, made 1 time in * * journal reports.
Second, we will clean up the work. In the whole year, we have conducted two rounds of checks, and two cases have been dealt with. At the same time, we should be able to understand and understand the situation of the people's visit, and then, in accordance with the principle of discrimination, do a good job to promote the promotion of education.
Third, the financial office of the people's government of yingkou city has a contingency plan for dealing with illegal fund-raising events.
Improving financial innovation capacity.
Is a financial innovation to promote port, the draft submitted to the provincial government on setting up ”yingkou port financial innovation experimental zone“ for instructions, the provincial government approval, zhuhai symposium held its logistics business and financial operations, respectively, at the same time in Shanghai, ningbo and other 5 city learn advanced experience, completed the first draft of financial innovation experimental zone of yingkou in August.
Second, we will carry out trials of science and technology finance. Establish venture investment funds, to encourage small and mid-sized enterprise, risk investment institutions, private capital participation in investment, yingkou HuiYing company will provide seed money 15 million yuan.
We will support the development of microlending companies and financing guarantee companies, and strengthen oversight of the two industries.
First, we will vigorously promote institutional development and sustainable development. In 20xx, the new batch of open guarantee organization has five, and the small loan company has opened 20 new batch. The distribution of branches is more reasonable, and the microloan company can realize all the county districts. We have recommended a group of microlenders to CDB for financing support. It also highlights the characteristics of large, specialized microlenders and financing guarantee companies.
Second, we will improve oversight measures in the industry. We will promote the construction of two industry regulatory systems in the city, and conduct on-site inspections in the form of linkage, adjustment and coordination of municipal and county supervisory departments. To organize the daily use of the supervision system of microloan company in the city, to realize the real-time monitoring of risk.
Third, we will promote the self-discipline of the industry, establish and improve the industry association of microlending companies, and focus on the work of the association to carry out the training of employees in the season.
Looking back at 20xx, this is a busy and a tough year. Overall contraction due to the financial environment, our company is also struggling in 20 xx years of operation, but the chairman under the correct leadership and the joint efforts of colleagues, we achieve benefit maximization, risk minimization, closely around the business management target, insist on compliance in accordance with the prudent management, moderate scale, credit control credit risk, further optimize the quality of credit assets and promote the development of the credit business better. This is a summary of my work for a year.
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.
Work in this way over a year, in the 20 xx year a year of work, I did it was supposed to do in my own jobs on the biggest effort, a year unremitting work, without any mistakes, also does not have a late arrival, praised by the leaders and colleagues, at the end of the year, I was awarded the ”outstanding workers“ of the company, this is a great compliment to me a year job. Back in the year, that's how I came here:
One, main work practices:
1, the thread financing, continue to attack: business development is the key, and financing business is the backbone of my work, through continuous attack, looking for business breakthrough, in the process of financing to make business friends. Whether it is the work of a guarantee company, the work of a society, or an entrepreneurial investment management, it is essential to finance this line.
Innovation, innovation is life. 20XX is the year of innovation, the innovation of guarantee, the innovation of the association, the innovation of the venture capital management company, the innovation of the website, the innovation is the main melody of 20XX.
3, to make a business network: the bank is the main battleground of the financing business, and the financing is still mainly financed by Banks. The association, the pawnbroker and the guarantee company are the important sources of the financing business; Network promotion is good for building brands. A significant portion of the business comes from the web.
Planning is the key, the key to success. Always insist on planning for first, grasp strategic planning, finance planning, marketing planning, network planning, provide first-class planning for the customer.
Don't relax. Deep inside the enterprise, deep investigation, good relationship with the project leader; Select high quality project, promote project planning and all-directional marketing.
Primary performance:
1, the guarantee company: responsible for the form of a guarantee company and guarantee business management, guarantee the system of the company and the business process, lead the business personnel guarantee market, cooperation with the Banks, and with the industry association, the provincial entrepreneurs association, the provincial association of private entrepreneurs and other established cooperation relations, formed extensive business network, to guarantee the development of the company laid a solid foundation. The creative establishment of the foreclosure and temporary bridge loans made tribute to the company's early earnings.
2, association work, training staff, opened financial website, one thousand ways to carry out business, actively promotion association, provide investment consulting and financing advisory services for the member. The whole process of the ”olive industrialization“ scheme, has achieved better results. Actively participate in the meeting organization of the provincial financial exposition.
Start-up investment management company: establish a venture capital management company and act as a corporate representative. When there is no money, no brand and market under the condition of low earlier, planning a provincial investment promotion conference and exhibition center, equity financing market, carry out land transfer trading intermediary business, although there is no significant results, but for the precious experience.
4, ”financing“ site: explore new models of financing site planning ”financing“ website, website model and solution gradually forming, rushes out a new road for development financing work. This is an opportunity to launch a series of industry or product online marketing programs, laying a solid foundation for the development of 20XX.
Next year's work:
Make the ”financing treasure“ development and operation. Strive for ”financing treasure“ as the main source of revenue;
Develop online marketing software as a new source of profit;
3, the project financing to focus and improve the success rate;
To expand the business of attracting investment from the government, and to attract investment from all sides of the government, especially to guarantee the company and fund as a breakthrough in attracting investment.
Plan and plan for training. Set up ”business plan book planning and financing combat training.
Four, the problem that exists:
The economic benefits are not good. Early investment and low output.
There is a lot to do, but it is often thankless.
The hot spot change quickly, the cash flow is not formed.
Scratch a project, or grab the money? Just grab one and get out of control.
20XX is gone. Looking back on the past year, I have a lot to say. 20XX is an unusual and extraordinary year for the Chinese people. 20 xx years, under the guidance of scientific concept of development, in President hu himself serious challenges such as fighting the international financial crisis, adhere to the good faith for this, adhere to business innovation as the center, adhere to grasp website work not lax, often stick to make financial friends “four insists” principle, has achieved high grades.
Looking to 20 xx years of work, I will still continue to like 20 xx years of work, perseverance, positive enterprising, in her own job play their biggest ability, perfect the superior sent to my task and my own duty, this is responsibility, I believe that I am able to do a good job!
In __ __ city financial work to increase financial support to the economy as the main line, actively promote the supply of credit, widen the direct financing channels, improve financial ecological environment, good results were obtained:
First, the important work of the year
(1) the main indicators are completed
1, credit work
__ __ in the loan balance of the banking financial institutions in the city the local __ __ one hundred million yuan, up 18.1% from a year earlier, __ increase one hundred million yuan from a year earlier, compared with the increased one hundred million yuan __ __ more, 104% of the 17 billion yuan of the provincial government issued new task, ranking second in the provincial cities.
2, listing work
Jinchen machinery through the introduction of strategic investors, intermediary institutions, complete the enterprise restructuring, after entering is reported to the counseling process, __ __ in the first quarter is expected to declare the material. The company has launched preparations for the ipo, and the company has been in close talks with the brokerages.
Fund financing work
Exceptional equipment manufacturing, giant into the teaching of science and technology, forword industry, chemical industry and so on enterprise and the fund company negotiated, intends to introduce the fund size of a total of 540 million yuan. Everbright Macquarie China infrastructure fund is interested in controlling or participating in public utilities such as sewage treatment, heating and gas supply.
Multi-channel financing
By expanding the financing channels, to promote the business outside the watch, financing lease, trust, such as multi-channel financing, financing for the whole year more than 26 billion yuan, the 17 billion yuan target required by the provincial government plan.
The construction of small loan companies and financing guarantee companies
__ __ opened the city approved microfinance company 51, the amount of registered capital is 2.68 billion yuan, year accumulative total for the small and medium-sized enterprises and the “three rural” issue loans 20 __ pen, __ one hundred million RMB, loan balance is RMB 2.03 billion. 22 hefei has approved the opening of financing guarantee company, registered capital RMB one hundred million __ __, the cumulative for __ RMB 4.36 billion for issuing guaranteed loans of small and medium-sized enterprises, guarantee loan balance of 4.6 billion yuan.
Main job:
We will actively promote credit delivery and encourage credit orientation.
The work is to establish a credit to promote coordination mechanism, every ten-day scheduling credit work, the last week of every month for all financial institutions on day scheduling, aggregate, said Saturday.
Goals second is to set up a credit evaluation system, the new loans will be 20 billion yuan target decomposition to various financial institutions and various city, park, the government of all kinds of preferential support credit outstanding financial institutions of deposit.
Three is sorting out the city __ __ at the beginning of year 171 financing needs projects, needs 43.7 billion yuan of funds, organized according to the requirements of capital financing, key project financing and the import and export many special fields such as bank business promotion.
Fourth, we have actively introduced the foreign port bank, socgen and everbright bank to open the branch in our city. By the end of __ __ __ __ years, nine outgoing bank loan balances has housed __ __ one hundred million yuan, 16.7% of the loan balance in the city, the annual new loans of 6.69 billion yuan, accounting for 38% of the city's new loans.
Five is to guide credit support for small and medium-sized enterprises and the “three rural”, the city and the people's bank of holding the “county” financial support agriculture activities, holding consists of small and medium-sized enterprise service center for financing platform, in collaboration with CDB loans to support small and medium-sized enterprises in zhuhai was 100 million yuan, up to now totaling more than 300 small and medium-sized enterprises loans of 1.4 billion yuan.
Many measures will be used to promote the listing of enterprises.
First, we will accelerate the preparation of key enterprises to go public, so that enterprises such as __ __ machinery and China magnesium group have launched their public offerings in a timely manner.
Second is to intensify policy support, the city government issued policy measures to support listed companies, to keep our city support for capital and the provincial government, with the proportion in place.
Third, we will cultivate a reserve enterprise to help enterprises improve their quality, set up image and accelerate development, and strive for early access to market conditions. Four is for listed company (service, coordinate to solve the problems such as land, capital, specification, together with the city industrial and commercial bureau, the city the irs issued public policy support. Five is privately raised company bonds for the start of the new three board and small and medium-sized enterprises work to build the foundation, established new three board reward policy, contact agency to carry out the new three board and training in the promotion of small and medium-sized enterprise privately raised company bonds.
We will increase prevention and treatment of illegal fund-raising.
One is to propaganda work to implement, produced 0 vice advertising poker to extend to the grass-roots units, 15 units organized and the urban square publicity activities, made 1 time in __ __ journal reports.
Second, we will clean up the work. In the whole year, we have conducted two rounds of checks, and two cases have been dealt with. At the same time, we should be able to understand and understand the situation of the people's visit, and then, in accordance with the principle of discrimination, do a good job to promote the promotion of education.
Third, the financial office of the people's government of yingkou city has a contingency plan for dealing with illegal fund-raising events.
Improving financial innovation capacity.
Is a financial innovation to promote port, the draft submitted to the provincial government on setting up “yingkou port financial innovation experimental zone” for instructions, the provincial government approval, zhuhai symposium held its logistics business and financial operations, respectively, at the same time in Shanghai, ningbo and other 5 city learn advanced experience, completed the first draft of financial innovation experimental zone of yingkou in August.
Second, we will carry out trials of science and technology finance. Establish venture investment funds, to encourage small and mid-sized enterprise, risk investment institutions, private capital participation in investment, yingkou HuiYing company will provide seed money 15 million yuan.
We will support the development of microlending companies and financing guarantee companies, and strengthen oversight of the two industries.
First, we will vigorously promote institutional development and sustainable development. In 20__, the new batch of open guarantee organization has five, and the small loan company has opened 20 new batch. The distribution of branches is more reasonable, and the microloan company can realize all the county districts. We have recommended a group of microlenders to CDB for financing support. It also highlights the characteristics of large, specialized microlenders and financing guarantee companies.
Second, we will improve oversight measures in the industry. We will promote the construction of two industry regulatory systems in the city, and conduct on-site inspections in the form of linkage, adjustment and coordination of municipal and county supervisory departments. To organize the daily use of the supervision system of microloan company in the city, to realize the real-time monitoring of risk.
Third, we will promote the self-discipline of the industry, establish and improve the industry association of microlending companies, and focus on the work of the association to carry out the training of employees in the season.
20 __ years, good leadership and my colleagues of concern, support, help and cooperation, better to complete the work responsibilities and tasks assigned by the leadership of the, have also made some achievements, now will I thought for a year, work, study summarized as follows:
1, thinking and learning:
Since the year of 20__, I have been thinking and working style, and I have set up the idea of “respecting my duty and abiding by the law”. In the usual work and life practice, set up the correct outlook on life, values, morality and consciousness of owner of the agricultural bank and can keep high work enthusiasm, initiative and sense of responsibility, can work straight the manner, on the style of work strictly implement responsibility of the position, positive enterprising, can treat colleagues, work closely with the general, common completes the labor of duty, can be positioned on the service consciousness, for customer service, and actively encourage me in all kinds of business smoothly.
Work:
In the leadership of care, support and colleagues work together, I hold the principle of “serious work, a dignified life”, in post diligent and conscientious.
First, we are ready to serve the cabinet. We as an industry window, work keeps me in the face of numerous customers, every day I hold the “want to think of the client, the anxious customer urgent” service concept, with “customer satisfaction, business development” as the goal, do well the service, establish a good window of the zealous service image, at the same time often remind myself “be kind to others, is to yourself”, in the busy work, I still adhere to the “three services”, “service with a smile,” patient answer customer questions, meet customers unreasonable, I also try to tolerance and understanding, to provide customers with satisfactory service, to the customer left a good impression, also won the trust of the customers.
2 it is to improve the quality of the counter accounts accounting of standard operation, since last year our workload increased gradually increased, new products and new business functions, especially the data centralization changed after some practice, but I work for each item of every detail to do operation and check carefully, summarized analysis on the processed business at the same time, try to make the work in a methodical, streamline, and reached a new level, the daily calcination after tense and orderly, I feel myself work skills on a new step, do every job has a clear plan and step, really had the heart bottom, basic did it MangErBuLuan, tight and do not come loose, clear, everything is clear, I was here last year to deal with business without any error.
Three is to do a good job of the practice of the data set and switch, 20 __ years of data cleaning and concentrated engineering is one of the priorities of our bank, so I check the data before the data set on the one hand the cleanup, asset data test results for each issued by check and adjustment, ensure the accuracy of our bank PCAS data, for we have laid a good foundation for the smooth of data centralization, exercise before switching on the other hand, according to the requirements for each phase of the switching drills and stress testing, skilled operation process of the new system. Furthermore is to do a good job of switching data set, the data before and after the switch check earnestly receive, print and check the related information, to ensure that the before and after our bank data set in the data connection and data integrity.
Fourth, we have done a good job of acting as agents, and since last year we have increased our turnover of wages and budget, and we have more and more units.
In various fee collection and generation, as well as units and the bank's business, I think the customer thought, the anxious customer anxious, collaborative colleagues do well service, won the trust and support of various units accounting personnel.
Five is to do a good job of deposits, on the one hand, strengthen the service counter, with good service attitude and service quality to attract customers, on the other hand, to strengthen the listed spare store work, the use spare time to visit friends and relatives, to mobilize the relatives and friends deposit to our bank, I accumulated LanCun 05 70 ten thousand yuan.
Six is to strengthen the business skills practice, in today's financial market fierce competition, in addition to strengthen their theoretical quality and professional level, as first-line employees, we should strengthen their business skills, so that we can work in with ease, better for the general customers to provide convenient, quick and accurate service, since this year I took an active part in units at the skill practice, use of spare time and evenings at the ministry of hard work, practice skills, make oneself of the business skills have improved obviously, and passed the city branch of the organization's business skills test.
For one year, I did some work, have also made some achievements, it is with leaders and colleagues of concern, support and help, but I also has some disadvantages. To this, I will be more strict with myself in the later work practice, with pragmatic attitude actively, solid ground, work efficiently, effectively raise the quality of service skills and service, contributing to the development of our own strength.
Looking back at 20__, this is a busy and a tough year. Overall contraction due to the financial environment, our company is also struggling in 20 __ years of operation, but the chairman under the correct leadership and the joint efforts of colleagues, we achieve benefit maximization, risk minimization, closely around the business management target, insist on compliance in accordance with the prudent management, moderate scale, credit control credit risk, further optimize the quality of credit assets and promote the development of the credit business better. This is a summary of my work for a year.
First, the business operation completes the situation
The company achieves total revenue of 10,000 yuan by 20__, 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 20__, 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 20__, 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.
Work in this way over a year, in the 20 __ year a year of work, I did it was supposed to do in my own jobs on the biggest effort, a year unremitting work, without any mistakes, also does not have a late arrival, praised by the leaders and colleagues, at the end of the year, I was awarded the “outstanding workers” of the company, this is a great compliment to me a year job. Back in the year, that's how I came here:
One, main work practices:
1, the thread financing, continue to attack: business development is the key, and financing business is the backbone of my work, through continuous attack, looking for business breakthrough, in the process of financing to make business friends. Whether it is the work of a guarantee company, the work of a society, or an entrepreneurial investment management, it is essential to finance this line.
Innovation, innovation is life. 20__ is the year of innovation, the innovation of guarantee, the innovation of the association, the innovation of the venture capital management company, the innovation of the website, the innovation is the main melody of 20__.
3, to make a business network: the bank is the main battleground of the financing business, and the financing is still mainly financed by Banks. The association, the pawnbroker and the guarantee company are the important sources of the financing business; Network promotion is good for building brands. A significant portion of the business comes from the web.
Planning is the key, the key to success. Always insist on planning for first, grasp strategic planning, finance planning, marketing planning, network planning, provide first-class planning for the customer.
Don't relax. Deep inside the enterprise, deep investigation, good relationship with the project leader; Select high quality project, promote project planning and all-directional marketing.
Primary performance:
1, the guarantee company: responsible for the form of a guarantee company and guarantee business management, guarantee the system of the company and the business process, lead the business personnel guarantee market, cooperation with the Banks, and with the industry association, the provincial entrepreneurs association, the provincial association of private entrepreneurs and other established cooperation relations, formed extensive business network, to guarantee the development of the company laid a solid foundation. The creative establishment of the foreclosure and temporary bridge loans made tribute to the company's early earnings.
2, association work, training staff, opened financial website, one thousand ways to carry out business, actively promotion association, provide investment consulting and financing advisory services for the member. The whole process of the “olive industrialization” scheme, has achieved better results. Actively participate in the meeting organization of the provincial financial exposition.
Start-up investment management company: establish a venture capital management company and act as a corporate representative. When there is no money, no brand and market under the condition of low earlier, planning a provincial investment promotion conference and exhibition center, equity financing market, carry out land transfer trading intermediary business, although there is no significant results, but for the precious experience.
4, “financing” site: explore new models of financing site planning “financing” website, website model and solution gradually forming, rushes out a new road for development financing work. This is an opportunity to launch a series of industry or product online marketing programs, laying a solid foundation for the development of 20__.
Next year's work:
Make the “financing treasure” development and operation. Strive for “financing treasure” as the main source of revenue;
Develop online marketing software as a new source of profit;
3, the project financing to focus and improve the success rate;
To expand the business of attracting investment from the government, and to attract investment from all sides of the government, especially to guarantee the company and fund as a breakthrough in attracting investment.
Plan and plan for training. Set up “business plan book planning and financing combat training.
Four, the problem that exists:
The economic benefits are not good. Early investment and low output.
There is a lot to do, but it is often thankless.
The hot spot change quickly, the cash flow is not formed.
Scratch a project, or grab the money? Just grab one and get out of control.
20__ is gone. Looking back on the past year, I have a lot to say. 20__ is an unusual and extraordinary year for the Chinese people. 20 __ years, under the guidance of scientific concept of development, in President hu himself serious challenges such as fighting the international financial crisis, adhere to the good faith for this, adhere to business innovation as the center, adhere to grasp website work not lax, often stick to make financial friends ”four insists“ principle, has achieved high grades.
Looking to 20 __ years of work, I will still continue to like 20 __ years of work, perseverance, positive enterprising, in her own job play their biggest ability, perfect the superior sent to my task and my own duty, this is responsibility, I believe that I am able to do a good job!
具有全盘业务处理能力和良好的职业判断能，擅长掌握财务核算方向，进行财务分析，了解财务、税务、金融制度，能够合理调配资金，进行相应的税务筹划，可独立完成各项财务工作。具有一般纳税人、小规模纳税人、核定征收、工业、商业、连锁、外资、货代等行业的实际工作经验。熟练使用计算机解决财务工作实际问题，行业和工作适应能力强。
1、积极进取，乐于接受挑战，愿意承受高强度的工作压力。
2、善于沟通，具备团队合作精神及团队领导才能。
3、头脑灵活，学习能力强，勇于接受新事物。
具有多年证券行业的从业经验，了解证券公司的日常工作流程，关心国际证券行业的发展，关心国际政治的发展方向。具有证券从业人员资格证书，能够通过自己的专业知识为客户提供投资理财方面的合理建议，减少客户的投资风险。为人处事方面，具有良好的个人品质和职业道德、良好的客户服务意识和团队合作精神，是个诚实、守信有责任心的员工。
具有美国金融业工作经验以及高度的责任心，以寻求在国内投资领域长期的发展。
CFA，美国CPA通过财务会计和商业法规。 计算机技能：Bloomberg，SQL， VBA， Matlab，Excel， Word， PowerPoint 。
>>>下一页更多精彩“金融类面试自我介绍”
尊敬的各位领导：
您好!
我叫王晓斌，现年25岁，是福建省广播电视大学金融系20xx届毕业生。
自从进入大学以来，我就深深地意识到社会竞争的激烈性和残酷性。
因此，几年来我努力学习专业知识，从各门课程的基础知识出发，努力掌握其基本技能技巧，深钻细研，寻求其内在规律，并取得了良好的成绩。
在学好专业知识的基础上，我还自己琢磨了计算机硬件和网络方面的知识。
回首这即将结束的大学时光，从一个一无所知的小伙子到德智体全面发展的新世纪人才，其间凝聚了我奋斗的失败和辉煌、喜悦和辛酸。
但成绩属于过去，成功还看未来，我将继续进行着我的接力赛，毫不松懈。
”器必试而后知其利钝，马必骑而后知其良驽"。
我深信：只要我找到一个支点，就能撬起整个地球，只要给我一片土壤，我会用年轻 的生命去耕耘，您不仅能看到我的成功，而且能够收获整个秋天。
这就是我的自信和能力的承诺，工作的竞争与挑战对我有着深深的 吸引，我会尽我最大的'努力，扎扎实实从基础做起。
不求安逸的环 境，但求一个发挥自我才能的机会。
我坚信，凭着我对知识的孜孜 渴求，再加上您所提供的机会，我一定会成为您麾下富有活力的一 员。
再次感谢您在百忙之中一阅，并衷心祝愿贵单位蓬勃发展、蒸蒸日上!
本人拥有有近多年年的财务相关工作经验，通过这些年的工作，积累了宝贵的工作经验和良好的沟通、协调和合作能力。
能熟练操作windows系统，能够使用office办公自动化系列软件。
熟悉财务、审计及评估的工作流程和操作步骤。
工作认真踏实，有责任心。
团队意识强，能积极的参与团队之间的合作。
有较强的学习能力，能迅速掌握工作所需的技能和要求;能吃苦，有能力适应出差外派性质的工作。
多年会计从业经历，经验丰富，能独立进行全盘账务处理，熟悉收支核算及财务分析，熟悉增值税一般纳税人财务核算及网上报税流程,，能熟练运用office办公软件及金蝶K3、用友等财务软件。
踏实肯干，吃苦耐劳，能适应各种工作环境。
认真，负责，严谨但不失灵活，善良，正直。
我是xxx，来自xx大学金融系的一名学优。怀着对贵公司的尊重与向往，我真挚地写了这封求职自荐信，向您展示一个完全真实的我。从入校到现在，我一直恪守“奋力攻坚志在必夺，坚定信心知难而进”这句格言在学校努力学习。同时在老师的指点下，在知识的熏陶中，在实践的砥砺上，成为了一名品学兼优的大学生
我热爱自己的专业，通过对专业知识的系统学习，已经具备了扎实的理论功底和较强的实际业务操作能力金融专业自荐信精选范文默认。无论是手工记帐还是应用财务软件，都可以熟练操作。
在校期间主要学习的课程有：金融市场学、货币银行、基础会计、财务会计、企业管理、工商管理、保险学、国际贸易、国际金融、西方经济学、证券投资、商业银行经营学、中央银行学、投资经济学等。
在四年的大学生涯中，让我学到了许多，不但牢牢掌握专业知识，还参加了学校、社会等各项活动，它不仅赋予了我强健的体魄和吃苦耐劳、不畏艰难的品格，也使我养成了严于律己，稳重而不乏激情的生活作风。除了专业知识的学习以外，课余时间我还努力学习基础会计、中级财务会计、管理会计以及成本会计等一些应用性较强的知识，同时还学习和了解了经济法、管理学、税法等一些相关性知识，通过金融专业知识和财务知识的结合可以对企业财务状况的分析提出管理上的一些建议，我还熟悉数据库、金蝶和用友财务软件、熟悉计算机操作。
1.Easy-going and congenial, with a strong sense of responsibility and good team-spirit.
2.Completed all the courses in the specialized field, obtaining good command of theoretic knowledge and experimental and DIY skill; Very adaptable and Good at leaning.
3.Having played a couple important roles in the student organizations, honing the interpersonal communication skills and organizational capability.
4.Having a wide range of hobbies, including oral English, music, movies and literature .
5.Fluent in oral English , with fairly good of reading and writing ability; Speaking authentic Mandarin-Chinese.
6.Good command of Computer skills: familiar with different versions of Windows OS and Office application software, able to program with C and Fortran languages, obtained some experience and understanding about other widely-used software like Autocad, Photoshop, Coreldraw and Dreamweaver.
有很强的领悟力和理解力，思维开阔、敏捷，能够很快适应不同环境，
勤奋，踏实，有责任心，对自己的工作尽职尽责。
做事认真、专注，有计划、有条理，追求完美。
形象良好，性格温和、稳重，亲和力强，善于与人相处。
有耐心，对压力和挫折有承受力。
Strong perception & intellect; with widen and swift thinking; able to be quickly adapted to different environmenet.
Diligent; with sureness; responsible; everytime fulfil my duties to my own work.
Conscientiously, absorbedly work in a planned and order way; pursue the perfection.
Good image; temperate, calm and steady personality; strong affinity; good at getting along with people.
Patient; have holding capacity to pressure and setback.
反应快、有进取心的应聘者。
★ 英文自我评价
★ 自我评价英文
★ 监理英文自我评价
★ 电工英文自我评价
