机构存款营销指引.docVIP

2012年机构存款营销指引 财政性存款相对于其他类存款稳定且金额较大收益较高，此外医疗保障体系，社会养老服务体系的不断改革，住房公积金、医保资金、养老基金的规模不断扩大，这些资金或基金一直是各家银行营销的重点，也是我们争取的重要方向，为进一步推进存款营销工作，夯实发展基础，提升同业竞争能力，促进全行存款持续、快速、健康发展，特提出以下关于存款营销指引。 一、机构存款市场分析 （一）财政市场 目前财政部门实施的财政制度为财政国库集中支付制度，财政国库集中支付的核心账户是国库单一账户、财政零余额账户、财政预算单位零余额账户、预算外资金财政专户、特设专户。在这五类账户中, 除国库单一账户在人行国库科 ，其它 4 类均在代理银行。实行财政国库集中支付后,谁拥有财政零余额账户，谁就占领了机构业务市场，谁取得财政预算单位零余额账户，谁就取得该单位的综合金融业务。 目前财政支出主要包括： 一是工资性支出二是政府采购支出三是基建支出四是其他项目支出市社会保障支出50.12亿元，增长34%。10.3亿元资金归集一个途径是社保户财政专户个人与企业定期向社会保险局上缴。另一个途径为财政转移支付财政专户各级财政对的转移支付，转划至财政专户，由财政局进行管理与操作。 Style rectification analysis materials 15The first chapter: the style of rectifying and analyzing materialsOne, the main problemTo the court to work near two years, in the Party school, office, leadership and Comrades help, while doing some work more seriously than completed the job assigned by the leadership, and within the scope of the work, but the control of ideology and style rectification activities revealing implementation plan stage also ask questions does not exist a lot of problems, such as the ideological and political quality, theoretical level, work stress and other aspects still can not fully meet the new situation and new tasks, mainly has the following several aspects:One is the theory of learning initiative, self-consciousness is not high. Often recent information submitted to the task heavier than or is writing material for reasons, not consciously take the initiative to take the time to calm down to learn, work and leisure use of spare time to learn less. Often is asked to learn what to learn what what to learn more, and close working relationship, with little working relationship, often need less to learn, what is urgent with what to learn, what to learn, with only material to find the basis, check the information. There is no system to learn some legal knowledge and modern scientific and technological knowledge, not high quality writing material work especially. Pay attention to the study of political theory degree is no