Due to work needs, the sub-branch transferred two people to the Xiaguang office, two female comrades. ○ The name is Wen Shuhui and Zhang Yuying, they used to be tellers, and the staff is fully equipped, in order to carry out the work, Chen Zihao adjusted the division of labor. Xu Feng was transferred to the field as a loan officer, and the staff on duty were also adjusted. Qiu Weiqiang led a shift, and the officers on duty were Wen Shuhui and Zhang Le. Cheng Li led a shift, and the officers on duty were Zhang Yuying and Chen Jie.

Xu Feng did a good job in the past, achieved good results, and was well received by everyone, but this time he was transferred to the field work, and he had to work hard to learn the credit business and become a qualified loan officer. Chen Zihao said.

"I will study hard and live up to the trust of my leaders. Xu Feng said.

"Director Qiu has a lot of credit knowledge and experience, so I should learn more from him and do my best to be competent in field work. Cheng Li said.

"Accountant Cheng is right, Director Qiu's credit business level is much stronger than mine, and it is also an opportunity for you to learn from him with an open mind. Chen Zihao said.

"You are also exalting me too much, how can I have such a high level. Qiu Weiqiang said.

"Director Qiu, I don't know anything about field work, and I would like to ask you to give me advice. Xu Feng said.

"We can't talk about teaching, let's learn together and work together in the future. Qiu Weiqiang said with a smile.

"Xu Feng, hand over the teller formalities now, Zhang Yuying will pick up your teller, and follow Director Qiu to the countryside to collect loans in a while, so as to familiarize yourself with the environment first. Chen Zihao said.

"Okay, I obey the leader's arrangement. Xu Feng said.

Xu Feng and Zhang Yuying went through the teller handover procedures, and Cheng Li signed the handover registration book. Xu Feng then went to the countryside with Qiu Weiqiang.

"Old classmates. I didn't expect the two of us to go to the countryside together. I don't know anything about credit work, so please bear with me if there is anything I don't need. Xu Feng said.

"There's nothing difficult about it, as long as you study the credit business seriously, you will be able to do it quickly, and this is not a problem for you at all. Qiu Weiqiang said.

"Tell me about credit first. Xu Feng said.

"The credit business is very extensive, and I can't say it clearly for a while, but don't worry, I will practice it in the future. Slowly you will know. Qiu Weiqiang said.

"Tell me about the main thing, what you should pay attention to in normal times, otherwise I don't know what to do. Xu Feng said.

"Credit jobs are very important, things are more complicated, only the pen fun pavilion www.biquge.info there is no end, only better not the best, to do a good job in credit work, we must do the following. Qiu Weiqiang said.

First of all, it is necessary to clarify the work ideas, credit work is the focus of business work, and the loan officer should investigate, lend, rate, issue certificates, track and inspect collection, rights protection, and organize and collect information and files. Survey statistics and fill in reports, write materials. The work is extremely busy, which requires a clear and complete work idea, and the idea is clear that you can work steadily and steadily, and complete the work tasks as planned. On the one hand, the credit work should focus on the unified arrangement of the head office and sub-branches, grasp the implementation one by one, not limit the business indicators, but also do the basic credit work, including file management, loan collection, inspection, statistical information feedback, etc. On the other hand, it is necessary to highlight the key points, intensify efforts to eliminate illegal loans, and make it clear that banks should first stress survival and then development, and first attach importance to the disposal of non-performing loans, and then carry out business development. Do a good job in maintaining creditor's rights and controlling new bad loans. Regardless of whose responsibility is and what the background of the non-performing loans in the account is, the current loan officer has the obligation to maintain the safety of the assets and actively take measures to recover them. If the loan officer is negligent in asserting the creditor's rights, the loss of the statute of limitations and the loss of the creditor's rights due to ineffective work, the loan officer must bear the corresponding responsibility and be punished accordingly, and the legal responsibility must be investigated for the heavy loss, which must be paid great attention to. That is, as long as you fail to do your duty or do not do enough to cause damage, maybe you are negligent, maybe you are inactive, you should be held liable. Normal loans with undesirable tendencies must be digested as much as possible to ensure the normal operation of funds.

Clear positioning, good at filling the position and not offside, credit officers should be clear about their responsibilities and do a good job with due diligence. In daily work, it is necessary to give feedback reports and requests for instructions to the relevant management personnel, strive for work support, carefully investigate and feedback the real situation, be more staff officers, communicate more, and do not make decisions without authorization when encountering difficult problems, but make decisions through collective discussion. Strengthen self-cultivation and pay attention to your own image. Since loan officers deal directly with customers, every word and deed directly represents the overall image of the bank and is related to the bank's reputation. The particularity of credit positions requires loan officers to be honest and self-disciplined, controlling, and overcoming temptations. In a sense, as a financial institution, the bank supports customers who need to help the poor, and more importantly, the rich who need to add icing on the cake to the next level. Loan officers should be balanced in their hearts, they must not be happy with things, they must not be sad, they must have the character of being poor and unmovable, and they must guard against the trap of giving up small money to fish for loans in the case of low social credit, and they can clean themselves and keep themselves clean in the bright social dye vat. Regard credit posts as duties, careers, and services, not as rights, let alone engage in power-for-money transactions. It is necessary to maintain a righteous spirit, keep the breeze on both sleeves, get out of the mud without staining, and always maintain innocence in the interaction with customers.

"There's a lot going on here. Xu Feng said.

"There is a sentence in the three-character scripture that the son does not teach, the father's fault, the woman does not teach, and the mother's fault. So as a unit of our office, should we understand it in this way, the staff does not teach, the leaders make mistakes, the employees make mistakes, and the management makes mistakes. Qiu Weiqiang said.

In recent years, commercial banks have successively introduced a series of credit management system measures, but the phenomenon of system scaffolding is very strict, resulting in deviations in the understanding, implementation and implementation of the system by grassroots loan officers. So that everyone is sometimes at a loss, do not know what to do, blindly engaged, groping for work, artificially appear some management is not in place. What's more, I broke the law and made a mistake, and I don't know what the mistake is. In addition, the system has failed to investigate and prosecute some violations of rules and disciplines, tolerated and connived at some violations of rules and discipline, causing them to ignore the rules and regulations and go their own way, damaging the reputation of the commercial banks, and causing themselves to suffer setbacks and economic losses. To be a loan officer is to know what to do and why not to do, as long as there is a high-voltage line of the system in your heart, as long as you regard the system as sacred, as long as the sleeves are spotless. As long as you have the collective interest in mind and keep in mind the ten precepts of credit, you can do a good job in credit.

"I know the ten precepts, one precept is not to learn and have no skills, the second precept is boastful, blindly make wishes, the third precept is unorganized, free and loose, the fourth precept is floating, the way is outdated, the fifth precept is short-term behavior, heavy play and light harvest, the sixth precept is blind obedience, give up the principle, the seventh precept is simple to engage in, do not talk about credit, and the eighth precept is to eat and take cards, and use loans for personal gain. Jiujie consumes ahead of time, is in debt, and Shijie runs a business and runs a factory, not doing business. Xu Feng asked.

"It's not enough to know, but also to deeply understand the meaning, it is a guide for us to do a good job in credit work, we must keep it in mind and strictly abide by it, so as to do a good job in credit work. Qiu Weiqiang said.

"I must never forget to abide by it conscientiously and never cross the thunder pond by half a step. Xu Feng said.

"Credit officers should also be familiar with the policy, understand the business, have a sense of responsibility, dare to adhere to the principles, do not follow personal feelings, good management, will manage high-energy talents, the guidelines and policies should be implemented by the specific work of the loan officer, and the office of the convenience of the people to serve the people should rely on the credit service to implement. Qiu Weiqiang said.

With the development of society and the changes in shape, knowledge needs to be updated at any time, and some concepts and skills must also keep pace with the times. If we do not conscientiously study and improve, we will not be able to adapt to the new form of credit work, and in today's increasingly motivated competition, we will be judged fairly by the criterion of survival of the fittest.

Credit officers have their own operating procedures, have their own scope of work, service objects and loan authority, and should carry out their work strictly within the scope of their respective powers, and they should be their own service objects and should be actively supported. is not the object of his own service, politely declined. It is the amount of their own authority, take the initiative to handle it in a timely manner, and if they need to be approved in excess of their authority, they must do a good job of basic work, actively report, and must not blindly make wishes, nod their heads, and go beyond the collective approval organization of the office, causing themselves to passively lose their prestige and cause losses to lenders. Such as blind appraisal and transfer of real estate, blind signing of loan agreements, blind notarization procedures, blind security mortgage procedures, etc.

The office is responsible for the credit work of the whole jurisdiction, and the work involves all walks of life, and every word and deed not only represents their own self-cultivation and cultivation, but also represents the overall image of the office in the society. One of the important aspects is to rely on the credit officer to shape the embodiment, for the kind of work as a career, do not regard customers as God, do not regard colleagues as friends, do not regard leaders as parents, and other unorganized and disciplined credit officers who are often free and loose, we must quickly change our concepts, overcome liberalism, put away our hearts, concentrate our energy, conscientiously do a good job in our own work, and do our best to give ourselves a space for innovation and development。

"There is really a lot of knowledge in this, I thought it was just a loan, collect interest, and then I could just recover the principal and interest of the loan, and the task would be completed, but I didn't expect that there would be so many things. Xu Feng said. (To be continued......)