金融自我评价（精选18篇）

金融自我评价（精选18篇）

金融自我评价 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.

金融自我评价 篇2

我是财经大学金融系金融(含保险)专业07届毕业生，在求学生涯的四年大学学习过程中，经历过失败和挫折，经历过成功与幸福，我孜孜以求，不惜奋斗，而正所谓“一份耕耘，一份收获”，我的付出有了回报。

通过大学四年专业课的学习，能掌握并熟练运用国际金融、货币银行学、中央银行、保险学、财产保险、人寿保险、西方金融理论、金融市场学、金融营销学业、银行会计、商业银行、西方经济学等专业知识和技能，并掌握了计算机初级，中级知识，能熟练运用windows操作系统，熟练掌握internet，能用wps、microsoft word等进行文档编辑及操作，并能运用photoshop等工具软件进行图像设计，掌握了microsoft visual foxpro数据库的制作 。

在学习上刻苦认真，渴望上进，努力学习每一门课程，并通过了国家二级计算机考试，。在实践生活中，我把自己放在现实社会中学习社会知识，参与了很多社会实践活动，极大的丰富了自己的社会知识。

这就是我，一个具有扎实专业基础，较高综合素质，小事细作，大事敢为，率直开朗，谦恭乐为的金融系学生。当然，在学识渊博，阅历丰富的前辈面前，我还只是懵懂的后来者，但在您赐予的人生蓝图和事业空间里，经过勤修苦炼，明天的我也不是庸庸之辈。

金融自我评价 篇3

四年的校园生活，使我自身的综合素质、修养、为人处事能力以及交际能力等都有了质的飞跃;让我懂得了除学习以外的个人处事能力的重要性和交际能力的必要性。

我是财经大学财会金融系的应届毕业生。大学期间，我一直把学习当作自己的首要任务，不仅学习科学理论知识，同时坚持学以致用，注意加强综合素质的培养。我珍惜自己在大学的学习机会，努力把专业知识学得踏实，成绩优秀，连续两年获得学院奖学金。同时也广泛的接触多方面知识，学习更多的丰富的知识，寻找生活、学习、工作的方法。学习如何去踏实、勤奋的做事，学习怎么去感恩地面对生活，学习去和周围的人和谐的相处。

我在担任团支书期间，组织策划了团支部园地的出版，并使支部被评为优秀团支部。组织多次政治学习，策划多次活动如捐款、合唱、晚会等，培养了一定的组织能力。

我在思想上追求进步，热爱集体，尊敬老师，团结同学，性格开朗有主见，做事细致有思路，对人真诚有爱心。培养多方面能力也是我大学期间努力的方向。长期担任校学生会干部等职务，具有较强的组织协调能力，思路清晰，思维敏捷，善于沟通，乐于助人，团队思想浓厚，挑战意识强烈，开拓精神突出，深得老师和同学的好评。

在课余时间，我寻找机会参加社会实践。不仅达到了经济完全独立的目的，丰富了阅历，检验了课堂所学的理论知识，而且对现阶段的社会有了更深层次的了解。

我知道自己除了理论知识之外,我的经验与阅历还尚浅，这些我将在以后的实践工作和学习之中不断提高!由衷地希望贵公司能给我提供这样一个机会，一个平台，我准备好了去融入到这个大家庭中，努力工作，扎实进取，以最饱满的精神迎接挑战，在这个时代使命中，奉献一份力量。

金融自我评价 篇4

在生活上，养成了良好的生活习惯，生活充实而有条理，为人热情大方，诚实守信，乐于助人，拥有良好处事原则，能与同学们和睦相处;积极参加各项课外活动不断的丰富自己的阅历。

在学习上，勤奋好学，态度端正，基本上牢固的掌握金融专业知识和技能，课余参加了社团模拟炒股比赛，做到了将所学用于实践中;除了专业知识的学习外，还注意各方面知识的扩展，广泛的涉猎其他学科的知识，从而提高了自身的思想文化素质。

在思想上，积极上进，热爱祖国，遵守国家的法律法规及各项规章制度，较全面地学习了马克思哲学、邓小平理论和“三个代表”重要思想等课程，积极向党组织靠拢。

在工作上，认真负责，在担任班生活委员的两年间，工作踏实，责任心强，得到老师和同学们的一致好评。

金融自我评价 篇5

经过大学三年，接受过全方位的大学基础教育,受到良好的专业训练和能力的培养,在金融,电脑等领域,有扎实的理论基础和实际经验.

作为积极乐观新时代青年,本人深深的认识到知识的重要,除了努力掌握各种金融和人力资源的理论知识，还不断的充实自己，现在正在攻读华南师范大学的人力资源管理本科，也希望以后还能继续接受更高的教育，还积极参与各种实践活动，培养自己的创新能力、分析能力与商业头脑。我为人热情，活泼，大方，交际能力强，有较强的自学能力,富有责任感和进取心，有较强的组织能力和工作能力，此外, 对时间观念性十分重视.

在修读华南华范大学人力资源本科中，通过每一科的考试和渐渐对人力资源的了解，对此产生了浓厚的兴趣.希望日后从事这方面工作。虽然我是应届毕业生，在此工作方面没有相关的经验，只有书本上的知道。不过我愿意一切从基础做起，努力把理论实践到现实中，以继续增加人力资源方面的有关知识。

金融自我评价 篇6

学业表现:通过三年多的学习，我系统地掌握金融学、经济写作、管理学等经济管理相关理论，同时也掌握了计算机应用、数据库等计算机方面知识，并注重在实践中的应用，获得学校优秀学生干部奖学金;更重要的是，严谨的学风和端正的学习态度塑造了我朴实稳重而灵活创新的性格特点。

工作能力:在校期间，我先后担任的班级球队经理、副班长，并参与了学校组织的多项活动等。我认真负责的工作态度获得老师同学的一致好评，获得了校“优秀学生干部”奖学金。同时，我还积极参加各种社会实践活动。经过两次在中国银行的实习，本人对进出口结算和单证业务有了初步的认识，已具备单独审核和制作较简单的进出口单证的能力;经过广发基金网校的基金专业技能培训，本人对基金的运作和交易等方面的知识有了较全面的认识。这些活动，都极大地提高了我的社会适应能力和沟通能力。

语言能力：大学英语六级，良好的听说读写译能力;普通话，广东话：标准、流利、通顺。计算机水平：熟练操作windows、office办公软件、vfp数据库处理软件以及dreamveaver mx网页制作软件。

金融自我评价 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.

金融自我评价 篇8

我是国际金融专业的一名毕业生。回想四年以来在学校学习和社会实践的种种经历，本人一直以严谨的态度和积极的热情投身于学习和工作中，虽然有过成功的笑颜，也有过失败的辛酸，然而日益激烈的社会竟争也使我充分地认识到成为一名德智体全面发展的优秀大学生的重要性。无论如何，过去的是我不断奋斗、不断完善自我的四年，以下做个简短的个人鉴定。

在思想上，本人积极上进，热爱祖国，热爱人民，遵守国家的法律法规及各项规章制度，较全面地学习了马克思哲学、邓小平理论和“三个代表”重要思想等课程，积极向党组织靠拢。

在学习上，本人勤奋好学，态度端正，比较全面的掌握了金融专业基础知识和技能，课余参加了学院组织的模拟炒股比赛，力求做到学有所用;除了专业知识的学习外，同时注意各方面知识的扩展，广泛的涉猎其他学科的知识，从而提高了自身的思想文化素质。

在工作上，本人认真负责，在大学期间曾担任文登研究生辅导班校园招生代理，工作踏实，责任心强，得到了河北文登教育机构和考研学生的好评，具有良好的团队精神。

在生活上，养成了良好的生活习惯，生活充实而有条理，为人热情大方，诚实守信，乐于助人，拥有良好处事原则，能与同学们和睦相处，积极参加各项课外活动不断的丰富自己的阅历。

四年就如白驹过隙，匆匆太匆匆。踏入社会不是结束，而是一个新的起点。我要继续努力，不断自我完善，再创高峰，在金融行业能有所成就。

金融自我评价 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.

金融自我评价 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!

金融自我评价 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.

金融自我评价 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

金融自我评价 篇13

我是，来自xx大学金融系的一名学优。怀着对贵公司的尊重与向往，我真挚地写了这封求职自荐信，向您展示一个完全真实的我。从20xx年入校到现在，我一直恪守“奋力攻坚志在必夺，坚定信心知难而进”这句格言在学校努力学习。同时在老师的指点下，在知识的熏陶中，在实践的砥砺上，成为了一名品学兼优的大学生

我热爱自己的专业，通过对专业知识的系统学习，已经具备了扎实的理论功底和较强的实际业务操作能力金融专业自荐信精选范文默认。无论是手工记帐还是应用财务软件，都可以熟练操作。

在校期间主要学习的课程有：金融市场学、货币银行、基础会计、财务会计、企业管理、工商管理、保险学、国际贸易、国际金融、西方经济学、证券投资、商业银行经营学、中央银行学、投资经济学等。

在四年的大学生涯中，让我学到了许多，不但牢牢掌握专业知识，还参加了学校、社会等各项活动，它不仅赋予了我强健的体魄和吃苦耐劳、不畏艰难的品格，也使我养成了严于律己，稳重而不乏激情的生活作风。除了专业知识的学习以外，课余时间我还努力学习基础会计、中级财务会计、管理会计以及成本会计等一些应用性较强的知识，同时还学习和了解了经济法、管理学、税法等一些相关性知识，通过金融专业知识和财务知识的结合可以对企业财务状况的分析提出管理上的一些建议，我还熟悉数据库、金蝶和用友财务软件、熟悉计算机操作。

金融自我评价 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.

金融自我评价 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!

金融自我评价 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.

金融自我评价 篇17

尊敬的领导：

您好!祝您阅信愉快!我是XX大学经贸学院国际金融专业XX届应届本科生。我于近日从贵行网站获悉正在进行的校园招聘，大学期间我一直关注金融行业市场的发展，也特别希望能应聘对公客户经理一职。我很荣幸有机会向您呈上我的个人资料。

XX银行作为国内第一家全国性股份制商业银行，凭借悠久的历史和良好的信誉赢得了国内外客户的肯定;深圳分行不断创新产品和服务品种，建立起良好的行业区域优势。我认为适合贵单位的工作必须恪守诚信，正直忠诚;工作富有责任感，踏实肯干，具有良好的快速学习能力和分析能力、团队合作能力和沟通交流能力;做事认真、谨慎、细心、稳重，能为集团创造更多的价值。我自信我符合以上素质要求。

以下是我个人能力与工作教育背景的综合简介：

良好教育背景：将于20xx年7月获得XX大学经贸学院国际金融专业经济学学士学位。连续三年获学校优秀大学生综合奖学金，综合排名列专业前5%(共200人)。

金融行业工作经验：在XX银行上海办事处兼职、XX银行国际结算部实习以及在中国出口商品交易会外事办公室任助理，从事客户接待、国际结算业务操作和会务操作等工作，对金融、贸易等行业有了较深了解。

较强的沟通策划能力：在校期间担任班长、学生党支部书记，策划组织了系列班会和晚会，组织广州市残疾人展能中心校园义卖活动和暑期大学生志愿者“三下乡”服务，较多地进行对外沟通联系、项目策划、人员管理和任务分配等工作，培养团队意识和社会责任感。

扎实的个人技能：多年的文学写作中练就较强的文字表达能力，曾任校报编辑、校新闻中心记者;学校以外语为特色的独特训练中培养起良好的英文读写能力，并能用Word，PowerPoint进行大量文案工作。

我希望凭借自身所具有的工作实践经历和知识技能，以及自身的刻苦、进取精神，为贵公司的未来发展贡献力量。

尊敬的招聘经理，如果我能喜获您的赏识，我一定会尽职尽责地用实际行动向您证明：您的过去，我来不及参与;但您的未来，我愿奉献我毕生的心血和汗水!

金融自我评价 篇18

暑假期间，我有幸来到了中国工商银行双流县支行进行了为期一个月的会计实习，学到了许多书本以外的知识，受益非浅。下面是我对银行储蓄存款实名制进行的一点简单探讨。

一、储蓄存款实名制的含义

储蓄存款实名制是指居民在金融机构开户和办理储蓄业务时，必须出示有效明，银行员工有义务给予记录，并要求存款人在存单上留下自己姓名的制度。其根本宗旨在于有效保护个人利益和维护国家利益的前提下，促进金融体系在公平、公正、公开的基础上进行，保证个人金融资产的真实性、合法性。

我国建国五十年来，储蓄存款制度一直实行的是记名储蓄制度。其记名可以是真名、假名、代码亦可以是亲友的名字。非凡是活期储蓄，银行只认存折不认人，只要取款人提供存折出示印鉴或输对密码银行即按折付款。储蓄存款实名制是发达国家早已实行的一项金融制度，也是绝大多数发展中国家实行的金融制度.

二、为什么要实储蓄存款实名制

我国现行的储蓄存款记名制可以说从源头上造成了一系列社会经济问题，已经妨碍了改革开放的进程，到了积重难返的地步。

1、储蓄存款加快增长现象下掩盖了触目惊心的社会财富转移。截止1999年6月末，我国商业银行储蓄存款总额达6.3万亿元。我国居民储蓄存款是呈几何级数增长的，1987年，我国居民储蓄存款余额仅3073亿元，1992年突破1万亿元，1994年突破2万亿元，t995年突破3万亿元，到1998年末更是达5.3万亿元，而仅仅半年，1999年6月末已达6.3万亿元。1992年以来，我国GDP增长率虽然走上了快速增长的通道，最高的年份是1992年的14.1%，最低的年份是1998年的7.8%，从92年到98年，算术平均数也仅10.76%，GDP的增长与储蓄存款增长不同步，这说明两点，一是国民收入的分配过份向个人倾斜。二是有些个人收入已经不来源于国民收入，而是直接来源于国有资产的流失。

2、税收征管困难，偷逃税款严重。纳税是公民的义务，但在现实条件下，能偷逃税赋成了个人的本事，对不少财务治理人员来说，逃税倒成了其义务，我国个人所得税规占人均GDP的比重大约在0.28%左右，远低于发展中国家平均水平的2.1%，税源流失过多，根源在于我国的现行储蓄存款制度根本无法支持个人所得税的征收和监管，而存款制度的不完善，不利于建立公民的信用体系，不能明确个人对国家应尽的义务，无法通过税收杠杆调节居民收入差距和贫富差距，缓解社会矛盾，使国家集中力量办大事。

3、使我国的相关调整政策无所适从，实施效果大打折扣。比如，针对我国内需不旺、消费疲软的状况，国家出台了一系列刺激消费的政策，如连续下调利率、鼓励消费信贷、征收储蓄利息所得税、增加公务员和事业单位人员工资收入、刺激教育消费等等，但这些政策实施效果很不明显，为什么?因为储蓄存款记名制掩盖了贫富差距，立法和行政机构很难对症下药，对少部分暴富阶层的人士来说，收入只是数字的增加减少，钱对他们来说几辈子也花不完，该有的都有了，因此他们对刺激消费的政策很麻木。

4、个人信用制度无法建立起来。市场经济就是信用经济，一切经济关系要靠信用来维系，没有好的信用制度，就会产生“交易冷淡”和“投资锁定”现象，由于互不信任，交易方式会向现金交易和以货易货等原始的刻板的方式滑落，“银行惜贷、企业惜投、个人惜借”的悲观情绪弥漫，造成经济活力日益下降，宏观调控政策难以发挥作用。个人信用制度建立当然是一个复杂的程序，涉及到金融法律法规建设、金融产品创新、技术创新和治理创新等诸多内容，但储蓄暑期实习告存款实名制则是最基本、最核心的内容。

三、如何实行储蓄存款实名制

1、以现有的个人号码为基础，建立储蓄存款实名制。信用是公民活在世上的面子和通行证，个人信用的好坏直接关系到能否享受贷款、透支和分期付款，还影响到退休保障。在储蓄存款实名制的记录和支持下，每个人的每一笔收入、交易、纳税、借款、还款的情况都记录在案，作为考核信用的基础。

2、明确一个申确认期，对现有个人帐户及个人财产进行申登记，说明可计算的合法来源，对于到期按兵不动，无人认领的，以及无法说明合法来源的，国家给予冻结调查，违法收入将没收充公。

3、实行银行帐户与税务机关联网，个人帐户收支情况在授权范围内送税务局，由税务局作为纳税依据，税务局有义务对个人财产高度保密，并建立相应的惩罚措施。为堵塞现金交易、逃避税务检查的漏洞，银行应严格控制大额存取款的数量和次数，对不正常情况送税务局。

4、要促进支付手段的票据化，为财产登记和依法征税提供依据。尤其是个人帐户要普及支票转帐业务，票据清算要实现电子化、即时化、通存通兑化，切实提供“随时、随地、随意”的个人转帐业务，逐步改变传统的依靠现金交易的做法。

四、实行储蓄存款实名制中要注重减轻负面影响

50年来，我们是靠广大老百姓的勤俭节约的美德和高储蓄率才支撑起社会和经济的稳定和发展。金融是经济的核心，金融稳定了，人心才能稳定，社会才能稳定和发展。发展储蓄需要安全感，安全感源于储蓄保密性，实行储蓄存款实名制，有可能造成存款人不安全心理的增加，因为“怕露富”是一种普遍的社会心理，老百姓怕露富，贪污腐败分子也怕露富，如何在两者之间权衡，趋利避害，很费思量，这是我们实行储蓄存款实名制要考虑的第一个问题。第二，推出储蓄存款实名制后，大批黑色和灰色收入将退出银行储蓄，一部分深怀恐慌心理的老百姓也可能提款增加，而这种存款下降必然首先冲击中小银行，因为中小银行的历史、背景和存款实力一直是老百姓把握不住的。存款的过份提取将造成银行流动性风险和支付压力，所谓水落石出，存款的下降有可能使商业银行的不良资产突冗出来，由此冲击到整个银行体系，甚至引起金融恐慌。 因此，减轻实行储蓄存款实名制的负面影响，关键要做好以下三点：

1、加强法律法规配套建设。如“保密法”、“个人财产保护法”。

2、加强职业道德教育。对银行内部工作人员和公安、法院、纪检、审计等执法部门内部工作人员进行职业道德教育，严格执法，严格保密。加大对执法部门的监督力度，控制好执法机构

对个人金融财产查询、冻结、划扣的权力。

3、反对腐败。某些地方基层机构乱收费、乱摊派、乱罚款比较严重，实行储蓄存款实名制，有可能使干部更轻易把握居民的家底，因而更轻易有的放矢治理“三乱”效率更高。因此对基层干部要加强知法守法教育，严惩“三乱”，对滥用职权，侵犯存款人利益的要果断追究其法律责任和经济责任。