有关农业银行的论文范文高中英语
农业银行恢复十年来,认真贯彻执行党和国家整治经济环境的政策,促进了农村产业结构的调整,发展农村了商品生产,取得了举世瞩目的成就,这是各级领导“两手抓”,调动广大干部职工的积极性共同奋斗的结果,然而一手软一手硬的状况虽有所改观,但此项工作还不尽人意,在有的单位,思想政治工作只在上级行处进行小循环,到不了县支行,进不了基层所社,难以落实到人头;尽管上边搞得热热闹闹,会议不断,到基层干部队伍那里却冷冷清清。这些情况表明,此项工作还没有真正走上轨道,没有抓住重点,抓住关键问题来解决。本文似就当前存在的弊端,提出几点解决意见,与同志们共同商讨。
哪方面的培训呀,写文章也要切题,不能拿过一篇来就抄呀。
有关农业银行的论文范文初中英语
略论当前农行思想政治工作
身边的数学--------------------------------------------------------------------------------用天平称物品的学问��我们先来研究一下只许在天平的一边盘上放砝码,要求一次称出物品重量的情况。��例如:在天平的一边盘上放砝码,要把1克到3O克整克重的物品,都能一次性地分别称出来,至少要备置几个什么样的砝码?��要“一次性”称出,又要做到砝码的个数“少”,各个砝码的克数不要相同,能将几个砝码拼凑成要称的重量,就尽量拼凑。��显然,1克、2克的砝码是不可少的。1+2=3(克),3克的砝码可以不要。利用1克、2克的砝码各一个,无论怎么也不能一次称出4克的重量,必须要有一个4克砝码。有了4克的砝码,再配上1克、2克的砝码,就能分别称出5克、6克、7克的重量来。顺着这个思路,我们模拟天平称物的情况,制得下表:放置砝码(克) 称出物品重量(克)1 12 23+1 34 44+1 54+2 64+2+1 78 8…… ……8+4+2+1 1516 16…… ……16+8+4+2 3016+8+4+2+1 31��从表中可以看出,称3O克重量的物品时,用了4个砝码;但要分别称出1克到3O克的整克重量的物品时,需准备的砝码应该是5个,即1克、2克、4克、8克、16克,并且利用这5个砝码的最大称重量是1+2+4+8+16=31(克)。��找一找,l克、2克、4克、8克、16克这5个按从轻到重的顺序排列的砝码之间有什么关系?我们不难发现,相邻的两个砝码的重量,较重的是较轻的2倍。由此可知,只许在天平一边盘上放砝码,并且要求一次性分别称出1克至若干千克整克重的物品,至少需备置的各个砝码的重量,第1个是1克,其余可依次按“2倍法”得出。密铺的学问��地砖的形状往往是正方形的,也有长方形的,我们还见过正六边形的地砖。无论是正方形、长方形、还是正六边形的地砖,都可以将一块地面的中间不留空隙、也不重叠地铺满,也就是密铺。还有什么形状的图形可以密铺地面呢?同学们在思考这一问题时总是借助于画出的图形去实验,通过实际观察而得出结论。��其实用地砖铺地这一生活问题也有数学方面的道理,可以用数学中学到的圆周角是36O度这一知识从理论上分析、解决。��我们都知道,铺地时要把地面铺满,地砖与地砖之间就不能留有空隙。如果用的地砖是正方形,它的每个角都是直角,那么4个正方形拼在一起,在公共顶点处的4个角,正好拼成一个36O度的周角。正六边形的每个角都是120度, 3个正六边形拼在一起时,在公共顶点上的3个角度数的和正好也是36O度。除了正方形、长方形以外,正三角形也能把地面密铺。因为正三角形的每个内角都是6O度,6个正三角形拼在一起时,在公共顶点处的6个角的度数和正好是36O度。��正因为正方形、正六边形拼合以后,在公共顶点上几个角度数的和正好是36O度,这就保证了能把地面密铺,而且还比较美观。��还有什么形状的图形可以密铺地面呢?你现在会从数学的角度回答这个问题吗?试试看?
就了干嘛没,啊d没,没,个、啊是, ,
可以写 《XXX银行实习报告》 《关于XXX银行金融服务的情况的报告》《XXX银行个人理财业务发展中存在的问题分析》
有关农业银行的论文范文高中
农业银行恢复十年来,认真贯彻执行党和国家整治经济环境的政策,促进了农村产业结构的调整,发展农村了商品生产,取得了举世瞩目的成就,这是各级领导“两手抓”,调动广大干部职工的积极性共同奋斗的结果,然而一手软一手硬的状况虽有所改观,但此项工作还不尽人意,在有的单位,思想政治工作只在上级行处进行小循环,到不了县支行,进不了基层所社,难以落实到人头;尽管上边搞得热热闹闹,会议不断,到基层干部队伍那里却冷冷清清。这些情况表明,此项工作还没有真正走上轨道,没有抓住重点,抓住关键问题来解决。本文似就当前存在的弊端,提出几点解决意见,与同志们共同商讨。
可以写 《XXX银行实习报告》 《关于XXX银行金融服务的情况的报告》《XXX银行个人理财业务发展中存在的问题分析》
有关商业银行的论文范文高中英语
老兄,这里给您列出两篇文章, 其中一篇就在下文,是非常简单地介绍商业银行的大体结构的文章;另外一篇文章的链接我给在参考资料中,是一篇论文,对商业银行的架构、管理体制、运行方式的国际化比较。希望能对您和您的女友有帮助。 (您是个好男人,呵呵,加油!) Structure of Commercial Banks Contributor: By Anastasia Zoldak , eHow Contributing Writer Commercial banks are also called business or consumer These banks provide services to the public that consist of checking, savings and money market accounts, and other traditional banking services, such as safety deposit History of Commercial Banks In 1933, Congress enacted the Glass-Steagall Act in an effort to avoid another banking This law forced banks into two separate business entities, the securities business and commercial As a result, security banks dealt with investment business and commercial banks provided financial services directly to businesses and Upper Executive Management Stockholders own commercial banks that elect a board of The boards of directors are responsible for making the commercial bank profitable and creating polices to facilitate that The board selects the bank's officers, who are responsible for creating a business strategy based on the boards The bank officers include the president, vice president, treasurer and Executive Divisions The bank officers appoint department managers, who head up each banking These divisions vary from bank to bank, but most include some form of the following: loan, credit, auditing, trust, consumer banking and Within each division, there are a president and various vice The loan division oversees a variety of commercial loans including home mortgages and auto and personal The credit division is responsible for unsecured debt, such as credit The audit division makes sure that all government regulations and bank procedures are They also oversee the internal security of the The trust division monitors legal trusts to make sure they follow government and legal Trusts are overseen by a trustee who manages property, assets and the trust holder's requirements for the Consumer banking supports the retail division of the This includes working with other executive divisions to solve banking issues and to execute The business department handles everything to do with business This includes loans, checking, savings and other business-related Retail Division The retail division of a commercial bank interfaces with the public the The corner bank is a part of a retail division in a commercial Retail banks are run by a bank manager, who oversees the various departments within the bank, such as business, loans and consumer Each department is supported by a corresponding executive The retail division helps consumers open and manage accounts, apply for loans and provide other banking Bank tellers are normally the first person a consumer meets when doing business with a Commercial Banking Services Commercial banks engage in a number of banking They process payments, oversee installment loans, provide notary services, safe-keep items in safe deposit boxes and issue bank drafts and The larger commercial banks also underwrite products such as bonds and direct investors to their partner investment ========================================================= 第二篇见下面参考资料
Origin of the wordThe name bank derives from the Italian word banco "desk/bench", used during the Renaissance era by Florentine bankers, who used to make their transactions above a desk covered by a green [ 2 ] However, traces of banking activity can be found even in ancient In fact, the word traces its origins back to the Ancient Roman Empire, where moneylenders would set up their stalls in the middle of enclosed courtyards called macella on a long bench called a bancu , from which the words banco and bank are As a moneychanger, the merchant at the bancu did not so much invest money as merely convert the foreign currency into the only legal tender in Rome – that of the Imperial M [ 3 ]The role of commercial banksCommercial banks engage in the following activities: processing of payments by way of telegraphic transfer, EFTPOS, internet banking, or other means issuing bank drafts and bank cheques accepting money on term deposit lending money by overdraft, installment loan, or other means providing documentary and standby letter of credit , guarantees, performance bonds, securities underwriting commitments and other forms of off balance sheet exposures safekeeping of documents and other items in safe deposit boxes sales, distribution or brokerage, with or without advice, of: insurance, unit trusts and similar financial products as a “financial supermarket” cash management and treasury merchant banking and private equity financing traditionally, large commercial banks also underwrite bonds, and make markets in currency, interest rates, and credit-related securities, but today large commercial banks usually have an investment bank arm that is involved in the mentioned activities [ clarify ] Types of loans granted by commercial banksSecured loanA secured loan is a loan in which the borrower pledges some asset (eg a car or property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the The debt is thus secured against the collateral — in the event that the borrower defaults, the creditor takes possession of the asset used as collateral and may sell it to regain some or all of the amount originally lent to the borrower, for example, foreclosure of a From the creditor's perspective this is a category of debt in which a lender has been granted a portion of the bundle of rights to specified If the sale of the collateral does not raise enough money to pay off the debt, the creditor can often obtain a deficiency judgment against the borrower for the remaining The opposite of secured debt/loan is unsecured debt, which is not connected to any specific piece of property and instead the creditor may only satisfy the debt against the borrower rather than the borrower's collateral and the Mortgage loanA mortgage loan is a very common type of debt instrument, used to purchase real Under this arrangement, the money is used to purchase the Commercial banks, however, are given security - a lien on the title to the house - until the mortgage is paid off in If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to In the past, commercial banks have not been greatly interested in real estate loans and have placed only a relatively small percentage of assets in As their name implies, such financial institutions secured their earning primarily from commercial and consumer loans and left the major task of home financing to However, due to changes in banking laws and policies, commercial banks are increasingly active in home Changes in banking laws now allow commercial banks to make home mortgage loans on a more liberal basis than ever In acquiring mortgages on real estate, these institutions follow two main First, some of the banks maintain active and well-organized departments whose primary function is to compete actively for real estate In areas lacking specialized real estate financial institutions, these banks become the source for residential and farm mortgage Second, the banks acquire mortgages by simply purchasing them from mortgage bankers or In addition, dealer service companies, which were originally used to obtain car loans for permanent lenders such as commercial banks, wanted to broaden their activity beyond their local In recent years, however, such companies have concentrated on acquiring mobile home loans in volume for both commercial banks and savings and loan Service companies obtain these loans from retail dealers, usually on a nonrecourse Almost all bank/service company agreements contain a credit insurance policy that protects the lender if the consumer Unsecured loan[Unsecured Loans] are monetary loans that are not secured against the borrower's assets (ie, no collateral is involved) These may be available from financial institutions under many different guises or marketing packages: bank overdrafts An overdraft occurs when money is withdrawn from a bank account and the available balance goes below In this situation the account is said to be "overdrawn" If there is a prior agreement with the account provider for an overdraft, and the amount overdrawn is within the authorized overdraft limit, then interest is normally charged at the agreed If the POSITIVE balance exceeds the agreed terms, then additional fees may be charged and higher interest rates may corporate bonds credit card debt credit facilities or lines of credit personal loans What makes a bank limited liability companyA corporate bond is a bond issued by a It is a bond that a corporation issues to raise money in order to expand its [1] The term is usually applied to longer-term debt instruments, generally with a maturity date falling at least a year after their issue (The term "commercial paper" is sometimes used for instruments with a shorter ) Sometimes, the term "corporate bonds" is used to include all bonds except those issued by governments in their own Strictly speaking, however, it only applies to those issued by The bonds of local authorities and supranational organizations do not fit in either [clarification needed] Corporate bonds are often listed on major exchanges (bonds there are called "listed" bonds) and ECNs like B and MarketAxess, and the coupon (ie interest payment) is usually Sometimes this coupon can be zero with a high redemption However, despite being listed on exchanges, the vast majority of trading volume in corporate bonds in most developed markets takes place in decentralized, dealer-based, over-the-counter Some corporate bonds have an embedded call option that allows the issuer to redeem the debt before its maturity Other bonds, known as convertible bonds, allow investors to convert the bond into Corporate Credit spreads may alternatively be earned in exchange for default risk through the mechanism of Credit Default Swaps which give an unfunded synthetic exposure to similar risks on the same 'Reference Entities' However, owing to quite volatile CDS 'basis' the spreads on CDS and the credit spreads on corporate bonds can be significantly Assets and Liabilities of Commercial Banks in the United States Glass-Steagall Act Mortgage constant
Wealth Management is a type of financial planning that provides high net worth individuals and families with private banking, estate planning, legal resources, and investment management, with the goal of sustaining and growing long-term Whereas financial planning can be helpful for individuals who have accumulated wealth or are just starting to accumulate wealth, you must already have accumulated a significant amount of wealth for the wealth management process to be Examples of wealth managers include independent advisors like FFR [2] or large corporate entities like Citibank's Citigold and other extensions of retail banking services designed to focus on high-net worth retail Such customers would be called internally in a bank 'mass affluent' or 'upper retail' clients because of their net worth, the number of potential products they own from the bank, their assets under management and other methods of The banks create separate branches, services and other 'benefits' to retain or attract these customers who are typically more profitable than other retail banking However, wealth management clients are not Private Banking clients because they simply do not have the Net Worth or Assets under management to justify the level of banking services that Private Banks
有关农业银行的论文范文高中生
农业银行的职业生涯规划范文(一) 一、自我认知 1 大学经历回顾 怀揣着期盼与憧憬,踏入了商大的校园,这个我梦起航的地方。从一进大学就直奔图书馆,到积极参与各社团及班级工作,再到荣幸地被推举为“入党积极分子”,直到现在每天兢兢业业的看书学习,我的脚步从未听过。 我总爱和自己说:“懒惰是万恶之源”,于是,我认真严谨地对待每一次大学考试,记得在大学的学生手册考试中,考了第一名的我高兴极了。沿袭着高中时候培养的求学态度,我总是会去钻研各科的知识,喜欢与老师讨论不懂得或者是模棱两可的问题。大一第一学期期末考备考时的场景现在还历历在目,天蒙蒙亮就冒着寒风奔向图书馆,有时候在下雪,可是我坚持早起,坚持去复习。那时候我问自己什么是求学,我想,那就是求学,古今不变的求学之道。好事总是成双,期末考试,我再次登顶,我坚信,这都是付出所得到的回报。 课外,我积极参加学院里举办的如演讲、辩论、篮球比赛等活动,也获得了相关的奖项,如在ppt时事评论大赛中我获得了学院第二名的好成绩;此外,我时常参与志愿者活动,其中最自豪的就是被选为“杭州国际马拉松”的志愿者,虽然每天在天不亮就起来去迎接一天的忙碌,但是付出总是伴随着快乐,在短短的三天里,我学会了微笑——那种能够鼓励一个参赛选手地发自内心的微笑,累并快乐着,这就是最大的幸福。大一的时候,记得班级的青志活动需要拉媒体,将我们的活动推广到社会上,身为班级宣传委员的我,义不容辞的迈出了这步,以前都没试过去拉媒体,总觉得自己最不到,但是当最后我成功地将班级青志活动报道在了杭州市环保局的网站上时,我和自己说:奇迹是创造出来的,只要我相信奇迹。而在最后的综合能力测评中,有心人,天不负,我取得了第一名的好成绩。在荣获了校三好学生荣誉和综合能力一等奖学金之后,高兴之余,我告诫自己要低调,不骄傲。当然,做为一个学生,我深知身体素质的重要性,体育课我总是汗流浃背,体育测试也总是名列前茅,想走的更远、爬的更高的我,每周一直三次的锻炼是少不了的,毕竟,“身体是革命的本钱”的道理我还是懂的。 总的来说,我的大学确实是开了个好头,但过去的已经成为历史,毛主席的教导时常在耳边萦绕:“雄关漫道真如铁,而今迈步从头越”。 现在,我正在修读金融学的双专业课程,为的是在大学里尽可能多的 获得宝贵知识并充实自己的大学生活。在双专业的课程中,我最喜欢的是《国际经济学》这门课,我甚至打算自己的毕业论文就往这个方向发展,于是我从图书馆里借来了各个经济学家的著作,现在正在研习凯恩斯和克鲁格曼的理论。在今后的三年里,我仍将保持着认真严谨的求学态度,积极向上的处事风格,路漫漫其修远兮,吾将上下而求索。 2性格分析 通过mbti职业性格分析得出: 性格类型 内向+实感+情感+判断,属于infj 型。injf型的人的性格特征是:具有坚忍不拔的精神,富有创造力,希望做需要做和想要做的事情,并能全力投入自己的工作。沉静而坚强,责任心强,关心他人,因其坚定的原则而受尊重。在为公共利益服务的方面很具有洞察力。适合的职业领域特征不明显,较相关的如:有特殊教育的教师,建筑设计师,培训经理/培训师,职业策划咨询顾问,心理咨询师,网站编辑,作家,仲裁人,银行客户代表、客户经理、消费类商业、服务业领域等。 我的性格总括 我是一个稍具内向性格,爱好自由,具有独立思考能力、责任心,强烈的好奇心的人,沉静而坚强,友善,谨慎,能够替人着想,细心,珍视友谊和和睦,满怀热情与同情心,会记得注意其他人的情感和利益,很重感情,能够很好地处理复杂的人。本身具有深厚复杂的性格,既敏感又热切。乐于协助别人,喜欢实际可行地帮助他人。他们利用个人热情与人 交往,在困难中与他人和睦相处。不喜欢表达个人情感,但实际上对于大多数的情况和事件都具有强烈的个人反应。关心、保护朋友,愿意为朋友献身,有为他人服务的意识,愿意完成我的责任和义务。对于目标的实现过程中有计划而且果断坚定,具有强烈的职业道德,相信自己的看法与决定,并且对自己的评价高于其他的一切,能够看到事物更深层的含义,忠诚甚至有些倔强,喜欢说服别人和试图使别人相信自己的观点是正确的,通常是经过深思熟虑后才会做决策。 缺点 缺乏创新能力,缺乏一定的冒险精神,缺乏变革性。 有时候做事没有耐心。有点内向,不太主动,有时过于在意自己在他人眼中的形象,有时会把自己的错推给别人,太喜欢找客观原因,有时候太过原则。 动力测试结果 成功愿望:这个方面将告诉我们在面对工作时我们是否有积极主动,努力进取的心态。你的成功愿望较低。 影响愿望:是引导或说服别人按照你的想法行事的愿望。你的影响愿望属于中等程度。 挫折承受:是指我们面对现在或将来可能遇到的挫折、困难和失败时常有的心态、情绪以及可能的举动。 人际交往:是生活和工作中对人际关系的关注程度,喜欢并能很好地建立和保持良好的人际关系。 3 360度评估 自我评价 优点: 1) 工作努力认真,责任意识强; 2) 通情达理,值得别人信赖; 3) 踏实稳重,做事从不不着边际。 缺点: 1) 过分关注眼前的细节之事,容易产生消极情绪; 2) 不够细心,性情比较急躁; 3) 不愿意尝试、接受新的和未经考验的观点和想法; 4) 缺乏挑战精神,对挫折的承受力不高。 家人评价 优点: 1) 比较争气,很听话,能照顾自己; 2) 孝顺,较懂事; 3) 关心家里,很爱家人。 缺点: 1) 自我控制能力较差; 2) 有时性格有些倔强; 老师评价 优点: 1) 工作认真负责,态度端正; 2) 有较强上进心; 3) 基础知识扎实,成绩良好。 缺点: 1) 钻研能力不强; 2) 缺乏创新能力和愿望; 3) 不够自信。 亲密朋友及同学评价 4) 组织管理能力不错,做事认真负责; 团结友爱,对人诚恳; 为人诚实守信。 普通话水平较低,说话不是很清晰; 4自我认知小结 通过回忆自己的大学经历,分析自己的性格,我对自己有如下总结: 我工作热情、努力、认真,责任意识强,是一个值得信赖的人,做事情时会讲求实际效果,采用现实可行的办法,比较关注细节,有一定的组织才能,能适应在传统的机构中工作,受各种因素影响,从小便对商业充满兴趣,爱好经济学, 对财会类的职业也有兴趣。根据霍兰德的人格特质归纳,我属于企业型的人,企业型的人喜欢领导和控制别人,或为了达到个人或组织的目的而去说服别人。他们追求高出平均水平的收入。他们喜欢利用权力,希望成就一番事业。这样的人大多从商或从政。企业型的人通常精力充沛、自负、热情、自信,具有冒险精神,能控制形势,擅长表达和领导。他们大多会在政治或经济领域取得成就。适合这类人的职业主要有:商业管理、律师、政治领袖、推销商、市场经理或销售经理、采购员、投资商、电视制片人等,与事务性人也有一点吻合。通过这些经历以及喜好的认识,扬长避短,挑战自我, 我以后想做一名银行的客户经理。 二、职业认知 1外部环境分析 家庭环境分析 我出生在昆明一个普通的家庭,家庭经济状况一般,父母都是本分的农民,他们爱我,对我期待很高,而对于一些关乎自己的大事,还是由我拿主意的,就自己的职业生涯与规划而言,我室友决定权的。 学校环境分析 本人现就读于浙江工商大学市场营销专业,双修金融学专业,我的大学不是211或985高校,这一点上与其他高校的毕业生相比,竞争性较弱,且国家重视程度也不高,政策上也没有那类高校优势。但我校的经管专业在全国排名是相当可观的,并且市场营销专业是全国a+级专业,全国排名前十,故前途还是光明的,某种程度上说。此外,工商大学的学风优良,学生个个上进好学,在浙江省也是声誉比较好,影响比较大的学校。 社会环境分析 大学毕业生的就业率下降。据教育部统计,xx年共有普通高校毕业生115万,6月的初次就业率为70%。从xx年开始,高校扩招的大学生陆续毕业。当年全国普通高校毕业生145万人,较上年增加了1万人,增幅达1%。6月的初次就业率为7%,比上年下降约5个百分点。到 xx年底,又有约22 万人实现就业,就业人数达到116万人,就业率上升到80%。xx年大学毕业生就业的结构性矛盾十分突出。从地区看,北京、上海等东部发达地区需求较旺,需求总量大于当地的生源数。中西部不少省区虽然有较大的用人需求,面临的问题是工作和生活条件艰苦,往往招不到合格的人才,出现了“有地方没人去,有人没地方去”的现象。在一些西部经济不发达地区,当前就业岗位相当有限,难以吸纳本地毕业生。从院校类别看,教育部直属高校毕业生就业情况较好,初次就业率为85%,部门高校次之,地方院校较差。从学历看,用人单位对学历高的毕业生需求高于对学历低的毕业生需求。研究生供需比约为1:6,本科生约为1:3,专科(高职)生约为1:4。从专业看,一些紧缺专业如计算机、通讯、电子、土建、自动化、机械、医药和师范等科类的毕业生需求旺盛,毕业生供不应求,而一些长线专业如哲学、社会学、经济学、法学等科类的毕业生需求较少。 根据前几年招生数据推算,今后几年,普通高校毕业生将保持大幅度的增长。xx年为212万人,较上年增加了67万,增幅达到2%的高峰。 xx年毕业生为280万人,较上年增加68万人,增幅达到1%;xx年为340万人,较上年增加60万人,增幅达到4%。届时,毕业生总量为扩招前的9倍。由于今后几年社会对高校毕业生的需求增加幅度不会有大的变化,可以预计,大学生就业竞争将更加激烈。 市场营销专业是一个涉及范围很广的专业,学的内容很多,却门门都没精学,跟那些专业性很强的专业学生比,我们处于不利地位。人力资源专业、工商管理专业以及金融专业、财会专业目前在市场上就业率还是相当客观的,这还只是我们专业的竞争,还有学校间的竞争,更为激烈。虽然如此,但正是由于该专业的涉猎广性,也是它的其中一个优势,就业口径宽,可选择的范围更大,总体而言,其就业形势还是可观的。 2目标职业分析 目标职业 客户经理 岗位介绍 客户经理既是银行与客户关系的代表,又是银行对外业务的代表。(以银行为例)客户经理的职责是开场,全面了解客户需求并向其营销产品、争揽业务,同时协 调和组织全行各有关专部门及机构为客户提供全方位的金融服务,在主动防范金融风险的前提下,建立和保持与客户的长期密切联系。 工作内容 (1)联系客户 客户经理是全权代表银行与客户联系的“大使”,客户有金融需求只需找客户经理,客户经理应积极主动并经常地与客户保持联系,发现客户的需求,引导客户的需求,并及时给予满足,为客户提供“一站式”(one-stop)服务。 (2)开发客户 对现有的客户,客户经理与之保持经常的联系,而对潜在的客户,客户经理要积极地去开发。这里包括两层含义,一是客户现在还不是我行的客户,堕待开发;二是客户虽然现在是我行的客户,但客户自己末发现某些金融需求,急待引导。 (3)营销产品 三、职业生涯规划设计 1职业路径 大学毕业后直接就业,尽量让自己应聘上银行客户经理的工作,或者先进银行就行,不论什么职位,努力做好工作的同时积极向别人学习,积累经验,然后提升自己,往更高的岗位上攀登;做好客户经理,再向大客户经理迈进。 2行动计划 短期计划 大二:扎扎实实的学习专业知识,尝试参加各种学术竞赛,培养团队合作能力和合作精神; 大三:继续学习好专业知识,确定目标,潜心准备就业; 大四:积极找实习工作,同时做两手准备,多看课外书,一定的工作经验是很必要的,但是毕业后离开了学校想看书就没那么好的机会了,所以要抓住机会好好看书。 毕业后半年内找到对职业的认知,薪资要求不高,平均一个月2500左右,关键是趁这个时候努力学习工作技能,积累工作经验。 毕业后三到五年:做到所在部门的骨干员工,年薪五六万元左右; 毕业后六到八年:做到大客户经理,年薪十万元左右; 毕业后十年乃至更长时间:争取做到公司副总经理直至总经理。 学年规划 1 (二上)英语四级 565分~~取得口语考试资格 2 (二上)计算机二级证书 5 (二下)英语四级口语证书 6 (二下)会计从业资格证(电算化) 7 (二下)发表论文两篇 9 (三下)助理会计师 10(四下)双专业毕业证书 11(四下)双学士学位证书 读书计划 《水平营销》菲利普?科特勒、《管理学原理》杨文士、《经济学原理》曼昆、《孙子兵法》、《社会心理学》[苏] 库兹明、《领导力21法则》麦克斯韦尔、《杰克·韦尔奇自传》、《有效的管理者》彼得 德鲁克、《约翰·克利斯朵夫》罗曼·罗兰、 萨缪尔森《经济学》、《宏观经济学》曼昆等 3 动态分析调整 职业生涯规划不是一次完成的,它是一个不断循环的动态过程。在制作规划书的时候我们难免有一定的遗漏和疏忽,而且外部环境也一直在变化之中。因此,需要我们与时俱进,根据现实情况适时进行评估和调整。 调整情况如上行动计划也已经提到,即 方案一:继续深造,读研究生,参加技能培训; 方案二:进入企业,从最基层的职员做起; 方案三:进入企业后若发现自己确实不能适应该企业的工作,可以换一个工作或是换一个企业或公司 4备选规划方案 我的首选职业规划方案是做一名银行客户经理人,但凡事都不可能一帆风顺,我还可以做营销、证券公司代理人、房地产代理或经纪人等方面的工作,于是我的备选职业规划方案暂定为这些。 总结: 计划固然好,但更重要的,在于其具体实践并取得成效。任何目标,只说不做到头来都会是一场空。然而,现实是未知多变的,定出的目标计划随时都可能遭遇问题,要求有清醒的头脑。其实,每个人心中都有一座山峰,雕刻着理想、信念、追求、抱负;每个人心中都有一片森林,承载着收获、芬芳、失意、磨砺。一个人,若要获得成功,必须拿出勇气,付出努力、拼搏、奋斗。成功,不相信眼泪;成功,不相信颓废;成功,不相信幻影,未来,要靠自己去打拼。
农业银行恢复十年来,认真贯彻执行党和国家整治经济环境的政策,促进了农村产业结构的调整,发展农村了商品生产,取得了举世瞩目的成就,这是各级领导“两手抓”,调动广大干部职工的积极性共同奋斗的结果,然而一手软一手硬的状况虽有所改观,但此项工作还不尽人意,在有的单位,思想政治工作只在上级行处进行小循环,到不了县支行,进不了基层所社,难以落实到人头;尽管上边搞得热热闹闹,会议不断,到基层干部队伍那里却冷冷清清。这些情况表明,此项工作还没有真正走上轨道,没有抓住重点,抓住关键问题来解决。本文似就当前存在的弊端,提出几点解决意见,与同志们共同商讨。
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