What does the banking management department do?

Pull deposits, customers, complete work indicators.

A person or organization that is entrusted or assigned by an individual or an organization to perform or express opinions on a professional work.

A business representative can be an individual or an organization.

In use, it is often understood as a salesman, that is, a person who is responsible for a certain professional work.

Business Representative Job Responsibilities:

1. Obey the superior leadership and complete the sales tasks and work indicators issued in a timely manner.

2. Under the guidance of regional managers and dealers, do a good job in terminal maintenance and product promotion of traditional circulation channels (no less than 15 days per month), and assist dealers to complete sales targets.

3. Visit end customers regularly, understand the needs of end customers, and implement sales policies and policies.

4. Collect detailed information of end customers, establish end customer visit plans and report to regional managers.

5. Summarize the daily work, formulate the daily work plan, report to the regional manager regularly, and accept the work guidance of dealers and regional managers.

6. Pay attention to dealers, compete with brands and end customers in the market, and timely feedback market information to the company.

7. Regularly understand the actual quantity of dealers' inventory and assist dealers to place orders in time.

8. Assist and supervise the distribution rate of the first system and the dealer area, and strictly prohibit channeling.

9. Abide by professional ethics and keep the company's business secrets.

1. Sort out the group customers of the whole bank, formulate the group customer management measures and related rules and regulations;

2. Assist the marketing department to formulate the marketing plan of the bank's key customers and ensure its implementation;

3. Take the lead in organizing the comprehensive credit extension work for cross-regional group customers;

4. Responsible for the formulation, implementation and inspection of the business indicators of the whole group's customers, and ensure the timely completion of all indicators;

5. Organize marketing training for key customers of the whole bank.

With financial innovation as the driving force and technology, products and services as the support, we will improve the marketing level, improve the marketing system and marketing incentive mechanism, expand excellent institutional customers, increase intermediate business income, and strive to achieve unconventional development of various businesses.

A bank is a financial institution established in accordance with the law to engage in monetary and credit business. It is the product of the development of the commodity-money economy to a certain stage. Banks are classified into ** banks, policy banks, commercial banks, investment banks, and the World Bank according to their types, and their responsibilities are different.

World Bank: The World Bank is the colloquial name for the World Bank Group, and the name "World Bank" has always been used to refer to the International Bank for Reconstruction and Development (IBRD) and the International Development Association (IDA).

Citibank (Citibank, is a retail bank under Citigroup, its main predecessor is the "City Bank of New York" established on June 16, 1812, after nearly two centuries of development, mergers and acquisitions, has become the largest bank in the United States, but also a large international bank with branches in nearly 50 countries and regions around the world, headquartered at 399 Park Avenue in New York City.

What is the department of the bank's business department, it refers to the department that handles business externally.

The business department refers to the external business organization directly under the larger sub-branch, and the function is the same as that of the general business outlets. Because some larger bank branches have more departments, so the business is relatively more, and it is not possible to simply handle business in the name of the branch, so it is called the business department of a certain branch to the outside world.

Extended Materials. The main banks in Chinese mainland are:

Central Bank (1): People's Bank of China.

Policy banks (3): China Development Bank, Export-Import Bank of China, Agricultural Development Bank of China.

Large state-owned commercial banks (6): Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings Bank of China, Bank of Communications.

National joint-stock commercial banks (12): China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, China Minsheng Bank, Guangfa Bank, Industrial Bank, Ping An Bank, Hengfeng Bank, Zheshang Bank, Bohai Bank.

City Commercial Banks (134).

Rural Commercial Bank.

The remaining components also include foreign banks, joint venture banks and new village and township banks.

The profit channels of banks are loans, bank insurance, sales of wealth management products, sales of financial equipment, consumer profits of financial intelligent terminal business, hedging business, bill business, etc.

The profit ratio of most banks in China is: 30% for loans, 10% for banking insurance, 10% for sales of wealth management products, 5% for sales of financial equipment, 30% for financial intelligent terminal business, 5% for hedging business, 10% for bill business, etc.; The profit ratio of foreign banks is: 15% for loans, 15% for bank insurance, 15% for sales of wealth management products, 10% for sales of financial equipment, 35% for consumption profit of financial intelligent terminal business, 5% for hedging business, 5% for bill business, etc.

On February 24, 2016, ** reported: 7 of the 16 listed banks have handed over their report cards for last year, and the general net profit continues to decline. The performance report shows that in 2015, the net profit attributable to shareholders of the parent company of these seven banks totaled 100 million yuan, which means that the seven banks made a net profit of 100 million yuan per day last year.

Although this figure is still among the best in all industries, it is still the trend of the future for profit growth to continue to decline.

The net profit growth rate of 7 banks has declined to varying degrees compared with 2014, and the net profit growth rate of 6 joint-stock banks has fallen to single digits, and the net profit growth rate of China Merchants Bank, Industrial Bank, Huaxia Bank, China CITIC Bank and Shanghai Pudong Development Bank has dropped by more than half. China CITIC Bank's net profit growth rate was the lowest, only. Only Bank of Nanjing, as a city commercial bank, has maintained double-digit performance.

The banking sector is as follows:

1. The company's business department is mainly responsible for corporate business, auditing, etc.

2. The personal business department is mainly responsible for personal business, resident savings, and auditing.

3. The international business department is mainly responsible for international packaging loans, international wire transfers, foreign exchange settlement, etc.

4. The capital operation department is mainly for capital settlement.

5. The credit approval department is responsible for the approval of various loans.

6. Risk Management Department, which is the department that assesses, manages and solves business risks in the bank. The business risks of banks mainly include: credit repayment risk, accounting settlement risk, new business testing risk, financial management risk, legal risk of business documents, etc.

7. Accounting and Settlement Department, with the theme of safety precautions, strengthens the basic management of accounting and settlement, collects various tasks such as deposit and reserves, intermediate business, insurance, and other tasks, and the prevention awareness, business quality, accounting quality, and service skills of all employees.

8. The above content is for your reference, and the business regulations are subject to the actual situation. (For example, take HUAWEI GRA-CL10, version number: GRA-CL10C92B366, and EMUI system version number

Extended Material: Difference Between Investment Banking and Commercial Banking.

1. Commercial banks are more familiar to everyone, which is a financial institution with the function of credit creation for the purpose of making profits, raising funds with a variety of financial liabilities and a variety of financial assets as the object of operation, and its main business scope includes absorbing deposits from the public, enterprises and institutions, issuing loans, discounting bills, and intermediary business. It is a savings institution rather than an investment institution. Commercial banks mainly rely on the issuance of loans to make profits.

2. Although investment banks also have the word bank, they are completely different from commercial banks in nature. It is a bank financial institution mainly engaged in issuance, underwriting, trading, corporate restructuring, mergers and acquisitions, investment analysis, venture capital, project financing and other businesses. Advice includes restructuring the company (mergers, acquisitions, recapitalization, restructuring of debt-to-equity structure, spin-offs, sales in batches for investors or the market, etc.), as well as raising capital through equity or debt to make the project in hand operational.

Third, there is also a big difference between the two in terms of operation, and the operation of an investment bank is divided into three parts, the front office, the middle office and the back office. The front office provides investment banking services, investment management, ** business, etc., the middle office evaluates the flexibility of risk management and investment, and the back office is responsible for operations and technology.

1. Responsible for formulating the rules and regulations, operating procedures and implementation rules for corporate business, and continuously improving and optimizing the relevant business processes;

2. Undertake the coordination, overall planning and management of the corporate deposit and credit business under the jurisdiction, and ensure the completion of the task indicators of the corporate business line;

3. Carry out business marketing for high-end customers, first-class customers, group customers and other customers.

4. Responsible for conducting due diligence on the company's credit business submitted for review and approval, and verifying the credit conditions;

5. Responsible for the research of the industry and regional economy, and formulate the credit orientation and credit business policies of the company's credit business, and submit it to the credit management department to summarize and formulate the credit business policies of the whole jurisdiction;

6. Responsible for the development, pilot and promotion of new products (such as credit business products and intermediate business products) of the company's business, and provide new products and new business development plans or suggestions for the Ministry of Science and Technology Information;

7. Responsible for the collection and analysis of customer data information (including customer credit needs, etc.), form a business demand report and submit it to the competent leader, and submit it to relevant departments at the same time;

8. Responsible for the business training and business skills training and evaluation of the business personnel of the whole company;

9. Promote and improve the account manager system, and be responsible for the comprehensive management of the account manager under the jurisdiction and cooperate with the human resources department to evaluate the performance of the account manager;

10. Complete other tasks assigned by senior managers.

The company's business department will be divided into many departments from different industries involved, and each department is responsible for large corporate customers in different industries. The account manager is responsible for maintaining and marketing key accounts. This includes recommending products, helping customers with consultations, handling various businesses, and sometimes asking customers to participate in bank events.

Anyway, it's a marketing position, suitable for boys, and it's harder.

Branches are different from sub-branches, and branches mainly deal with comprehensive business, including: review, approval, lending, business type induction, product research and development, and some also have deposit absorption, collective loan resources, and access information (such as You's real estate certificate).

etc.) and so on. This department is a collection department, a rights department. Basically, most of the document review and loan disbursement are handled by the branch. There is more general administration and less business.

There are many departments in the bank, and the following are the specific department functions:

1. Office: Organize the office of the head office, responsible for comprehensive coordination, document processing, supervision and investigation, confidential files, drafting of branch presidents' meetings and other important documents, publicity and liaison, letters and visits, and administrative and financial management of the head office.

2. Management Information Department: In charge of the business statistics and information work of the whole bank, responsible for summarizing and compiling various business statistical reports, comprehensively analyzing and evaluating the operation and management status of the whole bank, organizing investigation and research, publishing information on the international network, and collecting and processing all kinds of economic and financial information. In charge of office automation work of the head office.

3. Planning and Finance Department: Prepare the bank's capital operation plan, financial plan, infrastructure plan and other comprehensive business plans, and supervise the implementation of the plan. Responsible for the management of asset-liability ratio, financial management, interest rate management, and capital construction and fixed asset management of the whole bank.

Assess the implementation of the target responsibility system of the branch president and the department.