金融自我評價（精選18篇）

金融自我評價（精選18篇）

金融自我評價 篇1

Adjust the credit structure to promote the circulation of commodities is years under the state council put forward the governance and economic environment and rectify the economic order in the first year, the headquarters of a proposed "total control, adjusting structure, guarantee key, compression, timely adjustment," the general policy of credit, how to put this central task to carry out into our business credit work, we put forward the slogan is: the structure, the insurance market, and promote circulation. The structure of the adjustment is the foundation, the market is the task, the movement is the target. After a year of positive work, the commercial credit structure has been effectively adjusted. At the same time make the city market appeared a good situation of stability and prosperity, to complete the purchase value of 205.48 million yuan, achieve sales of 241.78 million yuan, and profit tax of 6.79 million yuan, has obtained the good economic benefits.

Adjusted the two structure, activate the stock of money this year, the national fiscal and credit policy of the "double tight", its purpose is to reduce the monetary investment, promote the adjustment and optimization of original production elements configuration, so as to control inflation, the purpose of stable development of the economy. The commercial sector is responsible for the return of the currency and prosperity of the market, and how it operates, it is important to stabilize the market and promote economic development. We believe that in the case of monetary tightening, slumped, support business enterprises, improve business efficiency, save the only way out is to activate the stock of capital market, adjust structure of two, to improve the original capital use efficiency, ease the contradiction of supply and demand.

(a) adjust one, two, three types of enterprise loan structure earlier this year, according to the classification of higher government line line standard, we combined with years of our own for "ten" classification line method ", consider countries and support sequences, put forward by the head office for all commercial enterprises are classified, and pursuit of enterprises have made a plan to "increase, flat, decreases", make loans to turnover, the holding point is clear, adjust the work for this year's win the initiative.

To the end of a class of enterprise loan proportion reaches 65.9%, the year rose 4.7%, 2 kinds of enterprises 26.7%, down 2.6% compared with earlier this year, three types of enterprises 7.4%, down 2.1% compared with earlier this year. This shows that the loan structure is optimized by shifting the stock of loans.

Adjust business enterprise capital takes up structure (2) for a long time, because of our city commercial enterprise management level is not high, the flow of improper use of funds, more precipitation funds, unreasonable capital stock performance for three: one is problematic goods, the more the commodity nbre unreasonable; Second, the use of the settlement funds is on the high side, and the internal structure of the total liquidity is unreasonable. Third, there is less capital, and the proportion of total liquidity is not reasonable. Aimed at the three unreasonable, we spend big strength, hard to existing stock structure adjustment, activation of funds in the stock, mainly in the following several aspects:

1, push forward the internal bank, to the management to the money we do a good job of the pilot in years, on the basis of this year inside the have been introduced in all state-owned commercial Banks, perfect the enterprise working capital management mechanism, to reduce the liquidity of run, run, drip, leak, fund use efficiency improved obviously, liaocheng city department, after the big hug in the internal bank funds use decreased significantly, while the benefits increase significantly. Total liquidity this year has been up from last year. At 5%, the increase in purchase, sales, and profit was above 30%, and the turnover of funds increased by 27%. According to the statistics, this year, through the development of internal Banks, the business enterprise has an estimated savings of 4.5 million yuan.

2, we will focus on potential, to dig potential funds for business enterprise capital takes up high, the potential problems, we suggest that the municipal government held a clear potential work three times this year mobilization meeting, formed the potentialities and leadership at all levels' group, and formulated a series of rewards and punishment policy, caused a heavy potentialities and everyone in the city, each to extract the climax of getting bank a chorus of "monologue" for the fact the government, effectively promote the business enterprise development work in the city. To cooperate well off of the enterprise, we also have a "off trilogy" in the third quarter, sending the loan officer 28 people, help enterprises outside the city, city, outside the three level off, clear funds back 317, 5.81 million yuan, was praised by the height of the enterprise.

3, to urge the enterprise complement endowment, to squeeze spending money %, compression of settlement funds of 6.88 million yuan, make the settlement funds of all less liquidity to solve business enterprise own capital, poor ability to resist risk of the problem, we in addition to lending funds flow using interest rate lever to urge enterprise complement endowment, also widely publicity, actively mobilize, guide enterprises to austerity, variable expense funds for business. With our push, we have seven companies that spend $285, 000 on spending to participate in the turnaround. If the regional textile station has put off the building of the dormitory building, the 850,000 yuan will be retained for the replenishment of the current funds. This year, we urge commercial enterprises to invest $1.58 million, six times the annual plan.

Since we carried out the above work, make the city capital takes up the structure of the business enterprise get improved significantly, processing backlog of all kinds of goods totaled 5.95 million yuan, make the goods marketable rate rose from 85% last year to 91 ratio control under 32%.

For the whole year, the total amount of investment in the fund accounted for 1.58 million yuan, up 7.9% from 6.5% at the beginning of the year. By adjusting the structure of the two, and to promote the capital stock of positive corporate investment, accelerate the capital turnover, revitalize the large amounts of money, make capital demand big on the one hand, on the one hand, capital takes up serious unreasonable contradictions. It is the standard of judging the market for the goods to be monitored, whether the commodity is rich and the price is stable. Task of commercial credit is timely and sufficient to put money to acupuncture points, support business sector organizations supply market in time, to avoid market disruption, we take the measures are:

(a) goods queuing and monitoring in order to guarantee market supply, understand what consumer goods is the most sensitive and most need, at the start of the year, we take almost two months time to queue, 300 kinds of consumer goods for the goods from the 97 kinds of best-selling products, 134 kinds of plain pin 69 kinds of commodities and unsalable goods, through the line, found out the market situation, found a job. In order to make the business sector procurement can sufficient supply market, and can prevent the backlog, reduce capital takes up, we focus on the match, soap, milk powder, enamel equipment monitoring, 50 kinds of products such as set up a monitoring card, every ten-day unified into, sales and stock of these goods, the price monitoring analysis, and then to guide commercial enterprises adjust focus.

In April and may, we found a number of businesses with weak matches, market price chaos and timely financial support for department stores. In just seven days, the market matches were abundant and prices fell back to normal levels.

In support of business enterprise management, we also think big, guide enterprises combine recent market and the forward market, combine short-term benefit and long-term benefit, combine enterprise with social benefits, to ensure long-term stability of the market. In June this year, the garlic moss in our city made a big harvest, the price of garlic moss market quickly fell, and the vast majority of farmers were worried about the market and price. We believe that if the price of garlic moss hem is too low, must want to hurt the enthusiasm of farmers, next year's vegetable market certainly be affected, to quickly solve problems, maintain long-term stability of the vegetable market, we suggest that the municipal government held by fiscal, tax, the township, city vegetables companies and other 27 units to participate in the coordination meetings, timely protection lennon and vegetables the interests of the company policies, straighten out the relationship between the various aspects. We timely issue loans of 1 million yuan, support external storage garlic moss greens lai company 1.2 million jins, stabilize the market price quickly, save the market, eliminates the hidden danger for the vegetable basket problem, the city government highly appraise to our work.

(2) pressure group, the state-run, key support state-owned retail enterprises state-owned retail enterprises are facing consumers directly, the enormity of the task for the supply market, control prices, its good or bad matter to the market; However, the collective enterprise management level is low, and the responsibility of protecting the market is not borne by the pursuit of profit.

To this end, we have identified the collective, state, and key support for the distribution of loans to retail companies. This year, loans for six state-owned retail companies rose by 1.5million yuan, while 17 businesses fell 232, 000 yuan. Due to our limited and clear, make state-owned retail enterprises obviously improve the social and economic benefits, complete the purchase, sales and profit is 40.79 million yuan, 67.88 million yuan and 67.88 million yuan, respectively, than the same period last year growth of 25.6%, 31.4%, 29.8%, and cash flow to speed up 7.5% from a year earlier. Attaches great importance to the final review, do a good job in comprehensive reflection to make our business enterprises to achieve substantial economic benefits, maintain liquidity intact, we in the end of spare special personnel to review all the benefit of the business, a total review of false profit is 1.34 million yuan, and promptly take decisive measures to urge the enterprises to adjust the accounts, ensure the authenticity, accuracy of year-end accounts.

This year, we also focus on the comprehensive reflection, to be a good leadership staff, total write economic activity analysis, survey report, project summary, thesis, economic information, such as 249, be employed by relevant departments of the forwarding of up to 169, through writing, the comrades of the service quality have improved obviously.

Fourth, grasp the political and ideological work, and promote the cultivation of clean government this year, we always put the political and ideological work as a important part of the work, we will unswervingly implement the party's line, principles and policies, consciously, firmly resist corruption by bourgeois liberalization trend. To punish corruption and revitalize the party, we are also vigorously promotes the cultivation of clean government, formulate the implementation plan, resolutely do not accept an invitation to dinner, not only, not to borrow readers, honest, and make us a united collective, the fight collective, full of vigor and vitality of the collective.

years passed and the New Year is coming, we are determined to firmly carry out the total square meter of the reorganization of the governance, adjust the credit structure, and innovation achievements, to a new level, promote our city of commodity circulation, for the development of the economy, to contribute to the revitalization of liaocheng.

金融自我評價 篇2

我是財經大學金融系金融(含保險)專業07屆畢業生，在求學生涯的四年大學學習過程中，經歷過失敗和挫折，經歷過成功與幸福，我孜孜以求，不惜奮鬥，而正所謂“一份耕耘，一份收穫”，我的付出有了回報。

通過大學四年專業課的學習，能掌握並熟練運用國際金融、貨幣銀行學、中央銀行、保險學、財產保險、人壽保險、西方金融理論、金融市場學、金融營銷學業、銀行會計、商業銀行、西方經濟學等專業知識和技能，並掌握了計算機初級，中級知識，能熟練運用windows操作系統，熟練掌握internet，能用wps、microsoft word等進行文檔編輯及操作，並能運用photoshop等工具軟件進行圖像設計，掌握了microsoft visual foxpro數據庫的製作 。

在學習上刻苦認真，渴望上進，努力學習每一門課程，並通過了國家二級計算機考試，。在實踐生活中，我把自己放在現實社會中學習社會知識，參與了很多社會實踐活動，極大的豐富了自己的社會知識。

這就是我，一個具有紮實專業基礎，較高綜合素質，小事細作，大事敢為，率直開朗，謙恭樂為的金融系學生。當然，在學識淵博，閲歷豐富的前輩面前，我還只是懵懂的後來者，但在您賜予的人生藍圖和事業空間裏，經過勤修苦煉，明天的我也不是庸庸之輩。

金融自我評價 篇3

四年的校園生活，使我自身的綜合素質、修養、為人處事能力以及交際能力等都有了質的飛躍;讓我懂得了除學習以外的個人處事能力的重要性和交際能力的必要性。

我是財經大學財會金融系的應屆畢業生。大學期間，我一直把學習當作自己的首要任務，不僅學習科學理論知識，同時堅持學以致用，注意加強綜合素質的培養。我珍惜自己在大學的學習機會，努力把專業知識學得踏實，成績優秀，連續兩年獲得學院獎學金。同時也廣泛的接觸多方面知識，學習更多的豐富的知識，尋找生活、學習、工作的方法。學習如何去踏實、勤奮的做事，學習怎麼去感恩地面對生活，學習去和周圍的人和諧的相處。

我在擔任團支書期間，組織策劃了團支部園地的出版，並使支部被評為優秀團支部。組織多次政治學習，策劃多次活動如捐款、合唱、晚會等，培養了一定的組織能力。

我在思想上追求進步，熱愛集體，尊敬老師，團結同學，性格開朗有主見，做事細緻有思路，對人真誠有愛心。培養多方面能力也是我大學期間努力的方向。長期擔任校學生會幹部等職務，具有較強的組織協調能力，思路清晰，思維敏捷，善於溝通，樂於助人，團隊思想濃厚，挑戰意識強烈，開拓精神突出，深得老師和同學的好評。

在課餘時間，我尋找機會參加社會實踐。不僅達到了經濟完全獨立的目的，豐富了閲歷，檢驗了課堂所學的理論知識，而且對現階段的社會有了更深層次的瞭解。

我知道自己除了理論知識之外,我的經驗與閲歷還尚淺，這些我將在以後的實踐工作和學習之中不斷提高!由衷地希望貴公司能給我提供這樣一個機會，一個平台，我準備好了去融入到這個大家庭中，努力工作，紮實進取，以最飽滿的精神迎接挑戰，在這個時代使命中，奉獻一份力量。

金融自我評價 篇4

在生活上，養成了良好的生活習慣，生活充實而有條理，為人熱情大方，誠實守信，樂於助人，擁有良好處事原則，能與同學們和睦相處;積極參加各項課外活動不斷的豐富自己的閲歷。

在學習上，勤奮好學，態度端正，基本上牢固的掌握金融專業知識和技能，課餘參加了社團模擬炒股比賽，做到了將所學用於實踐中;除了專業知識的學習外，還注意各方面知識的擴展，廣泛的涉獵其他學科的知識，從而提高了自身的思想文化素質。

在思想上，積極上進，熱愛祖國，遵守國家的法律法規及各項規章制度，較全面地學習了馬克思哲學、鄧小平理論和“三個代表”重要思想等課程，積極向黨組織靠攏。

在工作上，認真負責，在擔任班生活委員的兩年間，工作踏實，責任心強，得到老師和同學們的一致好評。

金融自我評價 篇5

經過大學三年，接受過全方位的大學基礎教育,受到良好的專業訓練和能力的培養,在金融,電腦等領域,有紮實的理論基礎和實際經驗.

作為積極樂觀新時代青年,本人深深的認識到知識的重要,除了努力掌握各種金融和人力資源的理論知識，還不斷的充實自己，現在正在攻讀華南師範大學的人力資源管理本科，也希望以後還能繼續接受更高的教育，還積極參與各種實踐活動，培養自己的創新能力、分析能力與商業頭腦。我為人熱情，活潑，大方，交際能力強，有較強的自學能力,富有責任感和進取心，有較強的組織能力和工作能力，此外, 對時間觀念性十分重視.

在修讀華南華範大學人力資源本科中，通過每一科的考試和漸漸對人力資源的瞭解，對此產生了濃厚的興趣.希望日後從事這方面工作。雖然我是應屆畢業生，在此工作方面沒有相關的經驗，只有書本上的知道。不過我願意一切從基礎做起，努力把理論實踐到現實中，以繼續增加人力資源方面的有關知識。

金融自我評價 篇6

學業表現:通過三年多的學習，我係統地掌握金融學、經濟寫作、管理學等經濟管理相關理論，同時也掌握了計算機應用、數據庫等計算機方面知識，並注重在實踐中的應用，獲得學校優秀學生幹部獎學金;更重要的是，嚴謹的學風和端正的學習態度塑造了我樸實穩重而靈活創新的性格特點。

工作能力:在校期間，我先後擔任的班級球隊經理、副班長，並參與了學校組織的多項活動等。我認真負責的工作態度獲得老師同學的一致好評，獲得了校“優秀學生幹部”獎學金。同時，我還積極參加各種社會實踐活動。經過兩次在中國銀行的實習，本人對進出口結算和單證業務有了初步的認識，已具備單獨審核和製作較簡單的進出口單證的能力;經過廣發基金網校的基金專業技能培訓，本人對基金的運作和交易等方面的知識有了較全面的認識。這些活動，都極大地提高了我的社會適應能力和溝通能力。

語言能力：大學英語六級，良好的聽説讀寫譯能力;普通話，廣東話：標準、流利、通順。計算機水平：熟練操作windows、office辦公軟件、vfp數據庫處理軟件以及dreamveaver mx網頁製作軟件。

金融自我評價 篇7

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 20xx0 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.

金融自我評價 篇8

我是國際金融專業的一名畢業生。回想四年以來在學校學習和社會實踐的種種經歷，本人一直以嚴謹的態度和積極的熱情投身於學習和工作中，雖然有過成功的笑顏，也有過失敗的辛酸，然而日益激烈的社會竟爭也使我充分地認識到成為一名德智體全面發展的優秀大學生的重要性。無論如何，過去的是我不斷奮鬥、不斷完善自我的四年，以下做個簡短的個人鑑定。

在思想上，本人積極上進，熱愛祖國，熱愛人民，遵守國家的法律法規及各項規章制度，較全面地學習了馬克思哲學、鄧小平理論和“三個代表”重要思想等課程，積極向黨組織靠攏。

在學習上，本人勤奮好學，態度端正，比較全面的掌握了金融專業基礎知識和技能，課餘參加了學院組織的模擬炒股比賽，力求做到學有所用;除了專業知識的學習外，同時注意各方面知識的擴展，廣泛的涉獵其他學科的知識，從而提高了自身的思想文化素質。

在工作上，本人認真負責，在大學期間曾擔任文登研究生輔導班校園招生代理，工作踏實，責任心強，得到了河北文登教育機構和考研學生的好評，具有良好的團隊精神。

在生活上，養成了良好的生活習慣，生活充實而有條理，為人熱情大方，誠實守信，樂於助人，擁有良好處事原則，能與同學們和睦相處，積極參加各項課外活動不斷的豐富自己的閲歷。

四年就如白駒過隙，匆匆太匆匆。踏入社會不是結束，而是一個新的起點。我要繼續努力，不斷自我完善，再創高峯，在金融行業能有所成就。

金融自我評價 篇9

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 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.

金融自我評價 篇10

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!

金融自我評價 篇11

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 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 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.

金融自我評價 篇12

I have strong instruction, management and coordination ability. In guiding the work, always take the relevant document spirit seriously, think carefully, draw up a set of work plan; Then solicit opinions from all sides, brainstorm, combine the spirit of the document with the actual situation, and combine the wisdom of the individual with the wisdom of the collective. In the process of work, insist on command, the emphases and difficulties for work, seize the main contradiction, targeted to solve the problem, solving contradiction, firmly grasp the initiative in work. In management, adhere to the hosted at the beginning of every month for and assist the department head meeting, listen to the work report last month, the month work arrangement plan; To carry out the inspection of the internal control system of the business room and the external management system once a month, strengthen the management and supervise the implementation of the internal control system. In the coordination work, we insist on putting people first, make full use of human's subjective ability and team spirit, and work together to accomplish complicated and arduous tasks.

To be familiar with and master the financial policies and laws and regulations of the state, and to carry out the practice in a better way; To coordinate all aspects of the relationship in a better way, to fully mobilize the employee's enthusiasm for the work and to complete the complicated tasks. Strong verbal ability, high writing skill and strong verbal ability; The higher level of cultural knowledge, the higher level of professional theory and the basic skills required for the job; Ability to identify problems, summarize experience, make recommendations, and be able to handle and solve problems independently; The work experience is richer, the knowledge is wider.

Over the past year, I have chaired a financial institution anti-money laundering work conference, foreign exchange management symposium, economic and financial operation analysis, coordination of the county government work symposium held the national Treasury. At the meeting, organization learning about financial policies, respectively, the "a two way", the foreign exchange management policy, the financial macro-control measures, account management, cash management and Treasury management regulations of conduction to the financial institutions and the relevant departments, and notify the relevant work situation, analysis of existing problems, put forward the improvement opinion, better play a role of the grassroots people's bank of China monetary policy transmission and window guidance role.

In early 20xx, I organized the middle class cadres to study "four laws" and take the exam. By organizing study and examination, we have raised the level of financial law and regulation of the middle level cadres and the ability of the administration in accordance with the law.

According to the scope of responsibilities and assisting work duties, and the higher the requirements, over the past year, I organized to carry out the cash management of examination, "loan registration information system management method" the implementation of inspection, the false coin collection, identification management measures for the implementation of inspection, and coordination center office inspection section of jurisdiction the designated foreign exchange Banks to carry out foreign exchange business inspection and specified in the verification carried out inspection of jurisdiction foreign trade company. Through inspection, timely discover and correct the relevant issues, to promote the financial institutions and foreign trade companies operating according to regulation and management in accordance with the law, better coordination of the relationship between the relevant aspects.

I attach importance to the theory and practice and strengthen investigation and research. Over the past year, the lower level has been over 50 times, over 30 days. On the basis of investigation and research, many problems in daily work are solved, and several theoretical studies and research articles have been written. Among them: "to the concept of scientific development to guide the financial work, analyzes the huidong came against the concept of scientific development in the history of blind make development zone to the economy, causing serious loss of financial problems, this paper expounds the" clear financial restrictions, of the key development areas and support the development of scientific grasp the supply of credit, credit steady and rapid growth, to improve the people's bank of financial services "point of view. "Insist on a good candidate, choose style of good man", analyzed in recent years, the party and the state to punish corrupt data and corrupt process from quantitative change to qualitative change, it is concluded that the candidate is crucial to the problem of choose and employ persons of the conclusion. Explicitly pointed out: "first of all, when the candidates should have good attitude. It is to uphold meritocracy; 2 it is to adhere to the mass line; 3 it is to uphold communist party group discussion. Second, choose style. One is to insist on to DeLiang; 2 it is to adhere to can choose and employ persons; 3 it is to adhere to regular knowledge; 4 it is to insist on performance alone; five is to insist on to cheap selection" point of view. "Some thinking about the current foreign exchange management policy", based on the practice base for the management of foreign exchange, the five aspects involved in the current foreign exchange management policy seriously thinking about the problem, and puts forward some proposals to improve foreign exchange management. "About promoting the coordinated development of county economy and financial thinking", analyzes the huidong economic and financial development uncoordinated performance and its reason, put forward six Suggestions to promote the coordinated development of county economy and finance

金融自我評價 篇13

我是，來自xx大學金融系的一名學優。懷着對貴公司的尊重與嚮往，我真摯地寫了這封求職自薦信，向您展示一個完全真實的我。從20xx年入校到現在，我一直恪守“奮力攻堅志在必奪，堅定信心知難而進”這句格言在學校努力學習。同時在老師的指點下，在知識的薰陶中，在實踐的砥礪上，成為了一名品學兼優的大學生

我熱愛自己的專業，通過對專業知識的系統學習，已經具備了紮實的理論功底和較強的實際業務操作能力金融專業自薦信精選範文默認。無論是手工記帳還是應用財務軟件，都可以熟練操作。

在校期間主要學習的課程有：金融市場學、貨幣銀行、基礎會計、財務會計、企業管理、工商管理、保險學、國際貿易、國際金融、西方經濟學、證券投資、商業銀行經營學、中央銀行學、投資經濟學等。

在四年的大學生涯中，讓我學到了許多，不但牢牢掌握專業知識，還參加了學校、社會等各項活動，它不僅賦予了我強健的體魄和吃苦耐勞、不畏艱難的品格，也使我養成了嚴於律己，穩重而不乏激情的生活作風。除了專業知識的學習以外，課餘時間我還努力學習基礎會計、中級財務會計、管理會計以及成本會計等一些應用性較強的知識，同時還學習和了解了經濟法、管理學、税法等一些相關性知識，通過金融專業知識和財務知識的結合可以對企業財務狀況的分析提出管理上的一些建議，我還熟悉數據庫、金蝶和用友財務軟件、熟悉計算機操作。

金融自我評價 篇14

Wenzhou city finance office to years 20 provinces, proceed with the "gold" instead of all policy decisions to lead, to pay special attention to the comprehensive financial reform and the task of maintaining financial stability, in the service of the real economy, the local financial organization innovation, regulating the behavior of folk financing, developing capital market development, promote the construction of financial agglomeration area, maintain economic and financial order done a lot of fruitful work stability, etc.

First, the innovation of financial institutions has been further deepened

We will deepen the trials of microlenders and increase the number of pilot targets for two small loan companies. The three small loan companies have been awarded the title of the excellent small-loan company in 20xx, which is the beginning of the reform of the shareholding system in the ryanrural cooperative bank. We will steadily carry out trials of private lending and registration services, and create a model for private capital management. We will do a pilot work in rural funding and rural insurance, and implement the plan and construction of a financial innovation industrial park.

Second, regional financial services were further optimized

We will increase financial support for economic development. We will encourage banking institutions to actively seek credit indicators and encourage Banks to increase their support for real economic credit. In wenzhou, we will carry out the trial of micro-loan guarantee insurance, fully implement the fire public liability insurance, and actively carry out the mortgage business.

We will establish a public financial risk control system. Timely coordinate the banking institutions to assist the enterprise in the turnover of funds. To organize and carry out the operation of risk management and bank non-performing loans, and do all we can to ensure the risk prevention and control of related enterprises.

Third, local financial regulation was further strengthened

Strengthening supervision of banking and financial institutions. To revise the measures for examination of performance measures for supporting local economic development in financial institutions. We will explore the establishment of the quarterly public ranking system for the contribution of the banking institutions, and further implement the system of linking the proportion of fiscal funds to the contribution of Banks. We will conduct a thorough investigation of the risk of corporate funding, establish a database of early warning information for risk enterprises, and implement dynamic tracking management.

To guide the standardization of local financial institutions. We will formulate the daily supervision measures of various local financial organizations and gradually form a regulatory framework. We will take a variety of ways to review and supervise various local financial organizations in order to further understand their operations.

Third, establish a mechanism for the risk of illegal fund-raising

To formulate the plan for the risk of illegal fund-raising in the city. To study and deploy the risk of illegal fund-raising.

We will clean up illegal financial activities. Before and after September 20 for two months on the basic situation of all kinds of local financial institutions a comprehensive screening examination, for all kinds of data on the basis of local financial organization classify arrange them, multi-pronged control illegal financial activities.

Fourth, the financing channels for capital markets expanded further

Issue the first corporate finance bonds. "20 years ruian state-owned assets investment group co., LTD., bonds" issued on November 26, officially listed, this is our city to issuance of enterprise bonds financing in the form of the first corporate bonds. The issuance of corporate bonds provides a useful exploration for the innovation of corporate finance in the whole city.

We will expand access to capital markets. The diversified financing pattern will be formed around the needs of local real economy financing.

Increase the marketing of capital markets. We are active in the publicity and training of enterprises to raise funds in multi-channel capital markets.

Cultivate the reserve resources of the listed enterprises

To amend the policy of supporting the newly listed enterprises, the municipal government has introduced a series of preferential policies and a mechanism for financial incentives. The second is the tilt in policy support. Third, we will help enterprises in action. Fourth, we will establish a database of listed enterprises.

金融自我評價 篇15

A year has passed since then, and I haven't felt anything yet. But on the whole, I work in the past year was good, in addition to good finished his work, also to help colleagues to complete some depth, and so many times was praised by the leadership, in the year-end bonuses and most of all the staff.

Over the past year, I have made clear that I have not done anything detrimental to my work, and I have done nothing to miss any account. I listened carefully to the instructions of the leader and the correct advice from my colleagues, and I always did well.

In the area of honesty: I strictly observe the party's political discipline, organizational discipline, economic work discipline and mass work discipline. We will closely contact the people to realize, uphold and develop the fundamental interests of the people. Himself firmly set up the correct authority view, status, values, and to establish the idea of serving the people, the public satisfaction is not satisfied with, embrace didn't embrace, don't approve of as work starting point and the foothold, does the practical work hard for the masses, do good, strictly implement the rules and regulations.

In terms of performance: I am clear in my work, planning, proactive and leading. To develop and progress, often make rationalization proposals and be adopted, to complete the heavier work tasks and other work assigned by the leaders; Pay attention to the method of work and be more efficient; To be able to finish the work on time or in advance, the performance is outstanding and the results are good.

In DE aspects: set up the accomplishments of the scientific concept of development and the correct principles, discipline, strong ZhengJi, organizing ideas, in the big is not consistent with the central party committee on the issue. We will conscientiously implement the centralism of democracy, take care of the overall situation, follow the division of labor and carry the heavy burden. Respect one's hand and unite the leader

Team members and cadres and workers, ideological style, work style, insist the principle, refinement and pragmatic and pioneering spirit, earnestly fulfill responsibility, adhere to administration according to law, serious and responsible in charge and assisting work, support head work, promote the branch three civilization construction smoothly.

In terms of energy: knowledge and mastery of the country's financial policy and financial laws and regulations, which can be carried out in a better way. Better coordinate all aspects of the relationship and work well with colleagues.

In the field of diligence, I have a strong sense of responsibility and a strong sense of responsibility. Work hard, take a positive attitude, be strong, carry the heavy burden, dare to be responsible, don't care about individual gain and loss; Hard work, hard work, hard work. No reason not to be late or leave early. Over the past year, I have basically no working age, the holiday is more on duty and working overtime, coordinating the relevant work, reviewing the relevant report.

In general, over the past year, I in the branch under the leadership of the party, in accordance with the standards of party member the leading cadre strict with oneself, firm political belief, strengthen political theory, laws and regulations, financial knowledge, shift work idea, improve the work style, adhere to honesty, self-discipline consciously bound, earnestly perform their duties, practice the "three represents" by the practical action.

In the coming year, I will not have any slack, I will work harder, to their own over the past year the disadvantages and advantages of the earnest summary, make the method of how to work in the New Year, to be able to do the work better, I can do it.

Bank is the lifeblood of China, only the bank job ready, make the accounting of our country to be able to complete clear, to make our country better development, this is the need to each bank staff to work hard, ability to make every accounts clear, through to our country

The development of the economy makes its due contribution!

金融自我評價 篇16

I am a graduate of international finance. Back to four years in school learning and social practice of experience, I have been to the rigorous attitude and positive enthusiasm in learning and work, although there have been a successful smile, also had the bitterness of failure, but increasingly fierce social competition also makes me fully to realize to become a good college students the importance of the all-round development of morality, intelligence and physique. In any case, the past four years of striving and perfecting myself have been a brief personal identification.

In thinking, oneself active, love the motherland, love people, abide by the laws of the state laws and regulations and various rules and regulations, a comprehensive study of marxist philosophy, deng xiaoping theory and "three represents" the important thoughts, positive to the party.

In learning, the work I am studious and attitude, more comprehensive mastery of the financial professional knowledge and skills, imitate is Fried game after school attended the school organization, makes every effort to do use it; In addition to learn professional knowledge, at the same time pay attention to all aspects of the expansion of knowledge, a wide range of dabble in other disciplines of knowledge, so as to improve their own ideological and cultural qualities.

Serious and responsible at work, I, in college, a former whedon graduate classes campus recruitment agents, work steadfast, a strong sense of responsibility, the hebei whedon education institutions and one's deceased father grind students' high praise, has the good team spirit.

In life, form good living habits, life full and well organized, passionate and generous, honest and trustworthy, ready to help others, have good principle, can get along well with your classmates, take an active part in extracurricular activities constantly enrich their experiences.

Four years is like a fleeting pass, a rush too fast. Entering society is not an end, but a new beginning. I will continue my efforts to improve myself and create another peak.

金融自我評價 篇17

尊敬的領導：

您好!祝您閲信愉快!我是XX大學經貿學院國際金融專業XX屆應屆本科生。我於近日從貴行網站獲悉正在進行的校園招聘，大學期間我一直關注金融行業市場的發展，也特別希望能應聘對公客户經理一職。我很榮幸有機會向您呈上我的個人資料。

XX銀行作為國內第一家全國性股份制商業銀行，憑藉悠久的歷史和良好的信譽贏得了國內外客户的肯定;深圳分行不斷創新產品和服務品種，建立起良好的行業區域優勢。我認為適合貴單位的工作必須恪守誠信，正直忠誠;工作富有責任感，踏實肯幹，具有良好的快速學習能力和分析能力、團隊合作能力和溝通交流能力;做事認真、謹慎、細心、穩重，能為集團創造更多的價值。我自信我符合以上素質要求。

以下是我個人能力與工作教育背景的綜合簡介：

良好教育背景：將於20xx年7月獲得XX大學經貿學院國際金融專業經濟學學士學位。連續三年獲學校優秀大學生綜合獎學金，綜合排名列專業前5%(共200人)。

金融行業工作經驗：在XX銀行上海辦事處兼職、XX銀行國際結算部實習以及在中國出口商品交易會外事辦公室任助理，從事客户接待、國際結算業務操作和會務操作等工作，對金融、貿易等行業有了較深瞭解。

較強的溝通策劃能力：在校期間擔任班長、學生黨支部書記，策劃組織了系列班會和晚會，組織廣州市殘疾人展能中心校園義賣活動和暑期大學生志願者“三下鄉”服務，較多地進行對外溝通聯繫、項目策劃、人員管理和任務分配等工作，培養團隊意識和社會責任感。

紮實的個人技能：多年的文學寫作中練就較強的文字表達能力，曾任校報編輯、校新聞中心記者;學校以外語為特色的獨特訓練中培養起良好的英文讀寫能力，並能用Word，PowerPoint進行大量文案工作。

我希望憑藉自身所具有的工作實踐經歷和知識技能，以及自身的刻苦、進取精神，為貴公司的未來發展貢獻力量。

尊敬的招聘經理，如果我能喜獲您的賞識，我一定會盡職盡責地用實際行動向您證明：您的過去，我來不及參與;但您的未來，我願奉獻我畢生的心血和汗水!

金融自我評價 篇18

暑假期間，我有幸來到了中國工商銀行雙流縣支行進行了為期一個月的會計實習，學到了許多書本以外的知識，受益非淺。下面是我對銀行儲蓄存款實名制進行的一點簡單探討。

一、儲蓄存款實名制的含義

儲蓄存款實名制是指居民在金融機構開户和辦理儲蓄業務時，必須出示有效明，銀行員工有義務給予記錄，並要求存款人在存單上留下自己姓名的制度。其根本宗旨在於有效保護個人利益和維護國家利益的前提下，促進金融體系在公平、公正、公開的基礎上進行，保證個人金融資產的真實性、合法性。

我國建國五十年來，儲蓄存款制度一直實行的是記名儲蓄制度。其記名可以是真名、假名、代碼亦可以是親友的名字。非凡是活期儲蓄，銀行只認存摺不認人，只要取款人提供存摺出示印鑑或輸對密碼銀行即按折付款。儲蓄存款實名制是發達國家早已實行的一項金融制度，也是絕大多數發展中國家實行的金融制度.

二、為什麼要實儲蓄存款實名制

我國現行的儲蓄存款記名制可以説從源頭上造成了一系列社會經濟問題，已經妨礙了改革開放的進程，到了積重難返的地步。

1、儲蓄存款加快增長現象下掩蓋了觸目驚心的社會財富轉移。截止1999年6月末，我國商業銀行儲蓄存款總額達6.3萬億元。我國居民儲蓄存款是呈幾何級數增長的，1987年，我國居民儲蓄存款餘額僅3073億元，1992年突破1萬億元，1994年突破2萬億元，t995年突破3萬億元，到1998年末更是達5.3萬億元，而僅僅半年，1999年6月末已達6.3萬億元。1992年以來，我國GDP增長率雖然走上了快速增長的通道，最高的年份是1992年的14.1%，最低的年份是1998年的7.8%，從92年到98年，算術平均數也僅10.76%，GDP的增長與儲蓄存款增長不同步，這説明兩點，一是國民收入的分配過份向個人傾斜。二是有些個人收入已經不來源於國民收入，而是直接來源於國有資產的流失。

2、税收徵管困難，偷逃税款嚴重。納税是公民的義務，但在現實條件下，能偷逃税賦成了個人的本事，對不少財務治理人員來説，逃税倒成了其義務，我國個人所得税規占人均GDP的比重大約在0.28%左右，遠低於發展中國家平均水平的2.1%，税源流失過多，根源在於我國的現行儲蓄存款制度根本無法支持個人所得税的徵收和監管，而存款制度的不完善，不利於建立公民的信用體系，不能明確個人對國家應盡的義務，無法通過税收槓桿調節居民收入差距和貧富差距，緩解社會矛盾，使國家集中力量辦大事。

3、使我國的相關調整政策無所適從，實施效果大打折扣。比如，針對我國內需不旺、消費疲軟的狀況，國家出台了一系列刺激消費的政策，如連續下調利率、鼓勵消費信貸、徵收儲蓄利息所得税、增加公務員和事業單位人員工資收入、刺激教育消費等等，但這些政策實施效果很不明顯，為什麼?因為儲蓄存款記名制掩蓋了貧富差距，立法和行政機構很難對症下藥，對少部分暴富階層的人士來説，收入只是數字的增加減少，錢對他們來説幾輩子也花不完，該有的都有了，因此他們對刺激消費的政策很麻木。

4、個人信用制度無法建立起來。市場經濟就是信用經濟，一切經濟關係要靠信用來維繫，沒有好的信用制度，就會產生“交易冷淡”和“投資鎖定”現象，由於互不信任，交易方式會向現金交易和以貨易貨等原始的刻板的方式滑落，“銀行惜貸、企業惜投、個人惜借”的悲觀情緒瀰漫，造成經濟活力日益下降，宏觀調控政策難以發揮作用。個人信用制度建立當然是一個複雜的程序，涉及到金融法律法規建設、金融產品創新、技術創新和治理創新等諸多內容，但儲蓄暑期實習告存款實名制則是最基本、最核心的內容。

三、如何實行儲蓄存款實名制

1、以現有的個人號碼為基礎，建立儲蓄存款實名制。信用是公民活在世上的面子和通行證，個人信用的好壞直接關係到能否享受貸款、透支和分期付款，還影響到退休保障。在儲蓄存款實名制的記錄和支持下，每個人的每一筆收入、交易、納税、借款、還款的情況都記錄在案，作為考核信用的基礎。

2、明確一個申確認期，對現有個人帳户及個人財產進行申登記，説明可計算的合法來源，對於到期按兵不動，無人認領的，以及無法説明合法來源的，國家給予凍結調查，違法收入將沒收充公。

3、實行銀行帳户與税務機關聯網，個人帳户收支情況在授權範圍內送税務局，由税務局作為納税依據，税務局有義務對個人財產高度保密，並建立相應的懲罰措施。為堵塞現金交易、逃避税務檢查的漏洞，銀行應嚴格控制大額存取款的數量和次數，對不正常情況送税務局。

4、要促進支付手段的票據化，為財產登記和依法徵税提供依據。尤其是個人帳户要普及支票轉帳業務，票據清算要實現電子化、即時化、通存通兑化，切實提供“隨時、隨地、隨意”的個人轉帳業務，逐步改變傳統的依靠現金交易的做法。

四、實行儲蓄存款實名制中要注重減輕負面影響

50年來，我們是靠廣大老百姓的勤儉節約的美德和高儲蓄率才支撐起社會和經濟的穩定和發展。金融是經濟的核心，金融穩定了，人心才能穩定，社會才能穩定和發展。發展儲蓄需要安全感，安全感源於儲蓄保密性，實行儲蓄存款實名制，有可能造成存款人不安全心理的增加，因為“怕露富”是一種普遍的社會心理，老百姓怕露富，貪污腐敗分子也怕露富，如何在兩者之間權衡，趨利避害，很費思量，這是我們實行儲蓄存款實名制要考慮的第一個問題。第二，推出儲蓄存款實名制後，大批黑色和灰色收入將退出銀行儲蓄，一部分深懷恐慌心理的老百姓也可能提款增加，而這種存款下降必然首先衝擊中小銀行，因為中小銀行的歷史、背景和存款實力一直是老百姓把握不住的。存款的過份提取將造成銀行流動性風險和支付壓力，所謂水落石出，存款的下降有可能使商業銀行的不良資產突宂出來，由此衝擊到整個銀行體系，甚至引起金融恐慌。 因此，減輕實行儲蓄存款實名制的負面影響，關鍵要做好以下三點：

1、加強法律法規配套建設。如“保密法”、“個人財產保護法”。

2、加強職業道德教育。對銀行內部工作人員和公安、法院、紀檢、審計等執法部門內部工作人員進行職業道德教育，嚴格執法，嚴格保密。加大對執法部門的監督力度，控制好執法機構

對個人金融財產查詢、凍結、劃扣的權力。

3、反對腐敗。某些地方基層機構亂收費、亂攤派、亂罰款比較嚴重，實行儲蓄存款實名制，有可能使幹部更輕易把握居民的家底，因而更輕易有的放矢治理“三亂”效率更高。因此對基層幹部要加強知法守法教育，嚴懲“三亂”，對濫用職權，侵犯存款人利益的要果斷追究其法律責任和經濟責任。