Urgently looking for 2010 Jiangsu Credit Union interview questions

Credit union interview

1. Briefly introduce yourself

(Tell me about your basic situation and introduce your study and work experience)

For example:

First of all, I would like to thank xx Rural Commercial Bank for giving me such a stage to show myself and the opportunity to display my talents. I will cherish this opportunity to improve myself and exercise myself. I am a 2009 graduate of xx College. I learned that your organization is recruiting talented people. I came here because of your reputation. I sincerely desire to join and contribute to the future of your organization. I am even more willing to dedicate my youth and wisdom to this end.

The competition in the 21st century is the competition of talent quality. During the four years in college, I worked hard, comprehensively and systematically studied economic and financial professional knowledge, and solidified my theoretical foundation; and in practice, I enhanced my ability to operate computers. In addition, rich social practice not only broadened my horizons, but also cultivated my calm, decisive, enthusiastic and efficient work style. Now, I am eager to show my talents in a broader sky. I am not satisfied with the current level of knowledge. I am eager to make a qualitative leap. I am willing to try new jobs. Through my imagination and creativity, It will definitely inspire a hundred times more work inspiration.

Believe in my sincerity, I will devote myself to my work; believe in my enthusiasm, I will infect everyone around me; believe in my vitality, I will actively do Everything is good; believe in my ability, my joining will bring you the power to succeed.

2. Tell us what you know about credit cooperatives

Rural credit cooperatives are community-based local financial institutions composed of farmers, individual industrial and commercial households and small and medium-sized enterprises within their jurisdiction. An important part of the financial system. For a long time, rural credit cooperatives have taken serving "agriculture, rural areas and farmers" as their mission and have played an important role in supporting the development of agriculture, farmers and rural economy. Especially since 1999, in order to meet the needs of the new stage of my country's agricultural and rural economic development, rural credit cooperatives have actively launched small credit loans and joint guarantee loans for farmers, vigorously promoted credit farmers, credit villages and towns and other assessment activities, greatly simplifying farmers' loans The procedures have facilitated farmers' loans and greatly improved the scope of farmers' loans. The problem of farmers' loan difficulties that has been troubled for many years has been alleviated to a certain extent. In recent years, with the deepening of my country's financial system reform, commercial banks have withdrawn a large number of financial institutions in rural areas. The task of rural credit cooperatives in serving "agriculture, rural areas and farmers" has become more arduous and their role has become even more arduous.

3. If you apply successfully, how will you do your job well? What would you do if you weren't admitted?

If the competition is successful, I will work hard to do my job well, learn more from old comrades and old employees, and practice basic skills. If I am not admitted, I will not be discouraged, which shows that I have a close relationship with your company. There is still a certain gap between the requirements of the unit and I will continue to work hard to make it more prominent in taking the credit union's recruitment exam again next year.

4. The economic conditions in the .** district (county), especially those in grassroots communities, are very poor. Can you endure hardship?

Growing up in the countryside has cultivated my character of being able to endure hardships. I feel that the more grassroots you are, the more you can learn new knowledge, grow new talents, open up new horizons, tap new potential, challenge and Opportunities coexist, pressure and motivation coexist, improve yourself and enrich yourself. If I am successful in the competition, I will work harder and contribute my youth and wisdom to the credit union’s bright future.

I was lucky, I was ranked 6th in the draw, and the one who abstained was ranked 5th. The interview is divided into two groups, and each group has 5 to 7 examiners. For candidates, there are three questions per session, each lasting three minutes. The examination room setting is very standardized. On the table in front of the candidates, there is a computer monitor with a countdown timer showing the questions and time, as well as pen and paper for organizing thoughts. The ideal operation time is one minute for reading and thinking, and two minutes for answering and supplementing. When you are thinking, you can put on a show to let the examiner see that you are thinking, but don't go too far. It is best to write down your ideas on paper. You should expand your answers, be organized, and don't deviate from the material...I flipped through the pages in front of me. There is nothing on human manuscript paper, which explains the problem. Everything will be established if you hesitate, and it will be ruined if you don't hesitate. Details determine everything. Most of the examiners are sent from the province. They will lose both impression points and practical points for speaking in dialect. I can't finish everything else about politeness and question-answering skills here. Let me just talk about my three questions.

Personal article, reprinting is prohibited

Interview questions:

1. Some front-line counter workers think that the conditions at the grass-roots level are not good, they do not have freedom, and they do not want to work seriously. What do you understand by this view? , if it were you, what would you do?

2. Tell me about the most meaningful thing you did in college?

3. Tell me about your understanding of non-performing loans. There is a farmer who is engaged in aquaculture and received a loan of 8,000. However, the business failed and went bankrupt, and he had the idea of ????evading repayment. If it were you, how would you deal with this matter?

I will briefly write down my answer:

1. I don’t agree with this view. I think it is wrong. It is said that tall buildings rise from the ground. If there is no solid foundation, there will be no brilliant career. Although there are some inconveniences at the grassroots level, as a new employee, if you want to improve your work skills, you must start from the grassroots level. Why sweep the world? If you can't do the grassroots work well, you can't talk about your future self-development and improvement in the credit union. Moreover, the business at the grassroots level of credit unions is complicated, and they face all kinds of customers every day. They can not only improve their business capabilities, but also improve their adaptability and social skills. As a person, I am willing to exercise at the grassroots level.

2. The most meaningful thing I did in college was to work as a student cadre. I served as the class life committee member, managed the class’s money and property and organized various activities. I also served as the student union These tasks are at the most basic level, but they are very meaningful to me. They cultivated my communication skills, organizational skills, and adaptability. In terms of character, I have strengthened my patience and carefulness. As a communicator between a teacher and a student's classmate, these tasks require me to have a certain service spirit. I believe these are inherent qualities and abilities that are needed in the daily work of a credit union.

3. Non-performing loans are part of the five-level loans of credit unions. Their existence brings risks and burdens to the operations of credit unions. To ensure profitability, credit unions must reduce non-performing loans to a minimum. Proportion.

The above cases have both subjective and objective reasons. The objective aspect is: due to poor management, the farmer is indeed facing difficulties and cannot repay the loan. The subjective reason is: Based on his situation, he had the idea of ????escape. I think credit unions are closely linked to agriculture, rural areas and farmers. Loans to agriculture, rural areas and farmers are the main business of credit unions, and risks always exist. A win-win virtuous cycle model should be established between credit cooperatives and farmers. The credit union helped the farmer out of his predicament, encouraged him, supported him, and provided feasible solutions to help him get back on his feet. At the same time, credit cooperatives have increased their trust and dependence in the hearts of farmers, and also expanded their business. The current Sunshine Credit Project of credit unions is a major measure specifically designed to deal with non-performing loans.

5. What should you do if you encounter difficulties at the grassroots level?

Difficulties exist objectively whether at the grassroots level or in the agency. Since they cannot be avoided, they should be faced actively, learn more from older employees, and communicate more with colleagues. I believe that relying on everyone’s strength will not solve the problem. Insurmountable difficulty.

6. Sitting at the counter for a long time will make people unmotivated?

In a front-line job like sitting at the counter, you need to deal with all kinds of people every day. This not only exercises your business quality, but also exercises your ability to deal with interpersonal relationships. How can you not be motivated?

7. What would you think if you were asked to work at a grassroots level far away?

I feel that where the company arranges for me to work, it must be a careful decision after comprehensive consideration, and my objective conditions must be taken into consideration. In other words, since the company has made this decision, it must have I will accept its intentions and purposes and overcome difficulties to do my job well.

8. "Work in a line, love a line" and "Love a line, work in a line"

"Work in a line, love a line" refers to work attitude, "Love a line, work in a line" It’s about the attitude towards life. If your interests are consistent with your work, then it is the most ideal work realm and the most ideal life goal.

If there is any experience to talk about, it is for everyone to learn to "hide their clumsiness" during the interview. What are your strengths and what knowledge do you have about credit unions? Try to lead the topic in this direction. , for example, I read some information about the five-level loan classification before the interview last year. I took the initiative to talk about this issue during the interview, and then the examiner asked me what the five-level classification refers to and what details it has. I also answered all the indicators one by one, and the examiner’s impression will naturally be very good! In addition, just be careful not to be nervous, otherwise your incoherent words will not have good results!

9. A job you did was praised by your superior, but your supervisor said it was him who did it. What should you do?

I will not blame the supervisor or complain about anything. At the same time, he explained to his superiors that the successful completion of this work was the result of the competent leadership’s decision-making! Because my regular work is assigned and arranged by the supervisor, if he does not assign the work tasks to me, it is impossible for me to be exposed to the work, let alone make meritorious services. So when we encounter problems at work, we always ask the leader for advice and guidance. The plans and plans we write are also reported to the leader and can only be implemented after his approval. It can be said that throughout the whole process, the leader in charge He is the final decision-maker, and I am just the executor. Without his correct guidance and decisive decision-making, this work would not have been completed so well. Therefore, it is understandable that the main credit goes to my supervisor. And in this process, I have learned a lot of work knowledge, for which he should be the most worthy of praise.

10. How to do a good job in credit cooperatives

(1 Deepen the reform of rural credit cooperatives - clarify property rights relationships through reforms, improve corporate governance, strengthen restraint mechanisms, and ultimately promote rural credit Rural credit cooperatives must accelerate their development, improve operations and increase profitability during development.

(2) Actively learn advanced management methods from commercial banks, learn from their business philosophy, and continuously Improve its own internal management mechanism. Establish and improve the internal control system. Continuously expand business scale, innovate financial products, and improve service levels.

(3) As a grassroots employee, love what you do, and do what you do. One line. Take the rural credit union as your lifelong career, work actively, wholeheartedly, and loyally, and constantly improve your ideological level and professional quality.

11. How do credit cooperatives support the construction of rural areas and farmers (new countryside)

As the main force in rural finance, rural credit cooperatives have an unshirkable responsibility and mission to meet rural financial needs in the process of new rural construction. At the same time, new rural construction It is also a good opportunity for rural credit cooperatives to accelerate their development. So, how can rural credit cooperatives play the main financial role in the construction of new rural areas and provide high-quality financial services and financial support for the construction of new rural areas?

1. , adhere to the purpose of "based on the community and serve rural areas and farmers", maintain a sense of urgency, and give full play to the subjective initiative of financial services.

2. Improve the level of services to support agriculture, strengthen and improve "agriculture, rural areas and farmers" loans, Provide better financial services for the construction of new rural areas.

1. Adjust and optimize small credit loans for farmers to make rural credit cooperatives closer to farmers and stabilize their position in the minds of farmers.

2. Improve agricultural support services, innovate credit brands, and diversify the credit needs of "agriculture, rural areas and farmers"

3. Accelerate the construction of electronic information projects and smooth the rapid circulation of "agriculture, rural areas and farmers". .

4. Seize the opportunity of new rural construction, actively coordinate and communicate with local governments at all levels, purify the rural credit environment, and optimize the financial ecological environment.

----- -------------------------------------------------- --------------------------I don't know if you have been interviewed or not. Please take a look at these. I found them all myself. I hope they are helpful to you. Help! !