Personal Loan Department Job ResponsibilitiesPersonal Loan Department Jobs

What does the bank personal loan position do? How? How is the treatment?

The position of bank personal loan business manager requires you to be responsible for finding mortgage customers, analyzing risks and granting loans, and conducting post-loan management. Half of them are divided into two categories: 1. Need a bank loan to buy a house; 2. Buying a personal property Pledge it to the bank for a loan and use it elsewhere;

The core thing is how to find customer resources. You cannot go one by one, nor can you wait for customers to come to your door at the bank. You need to do a good job with the real estate agency. Relationships, obtain customer resources from them, your profits may also need to be shared with specific salespeople in the agency, such as Man Tanghong, Centaline Real Estate, etc. These are relatively large and should have been developed by others.

The most important thing is to have a good relationship with the intermediary! ! ! !

With customer resources, you also need to understand the bank's specific lending process and the bank's approval threshold. For this kind of customer, how much can you borrow with the mortgage of the house here, and what is the interest rate level? You know what you are doing~~

Finally, personal loan managers implement a monthly performance clearing system. The bank may give you a task every quarter. After you complete it, you will get the corresponding bonus, and then your performance will be cleared. Zero, start over. They don't care how much you have already disbursed, and your bonus does not come from how much you have disbursed, but how much you are disbursing~~~~

The loan will be investigated by which position of CCB employees< /p>

1. Investigation Department and Personnel

The business operation department of China Construction Bank’s loan handling institutions (including personal loan centers) is the investigation department for personal housing loans. The personal housing loan business department should set up a pre-loan investigation position, and the personnel in the pre-loan investigation position and the loan acceptance position can serve as concurrent posts for each other.

2. Investigation Type and Requirements

Pre-loan investigation can be conducted in a variety of ways, such as reviewing loan application materials, interviewing loan applicants, checking personal credit, surveys, and on-site investigations. Among them, reviewing loan application materials, interviewing loan applicants, and checking personal credit are necessary loan investigations.

(1) Review the loan application materials

The pre-loan investigator will understand the basic situation of the loan applicant, the situation of the house purchased (built) with the loan, and the loan guarantee situation by reviewing the loan application materials. etc.;

(2) Interview the loan applicant

The pre-loan investigator must directly interview the loan applicant (including *** the same applicant) at least once. The interview can be done before the application is accepted. Loan application is made at the same time.

The pre-loan investigator should conduct interviews to understand the basic situation of the loan applicant, the conditions of the house purchased (built) with the loan, and other aspects that the investigator believes should be investigated.

The pre-loan investigator should make corresponding records of the interview with the applicant, mainly including content that may pose authenticity risks, content that is not included in the application materials but should be used as a basis for loan approval, and other content that may have a negative impact on the loan. Content that has a significant impact.

What are the job responsibilities of a bank loan officer

A bank loan officer is responsible for investigating the strength and potential of loan companies and loan individuals, and providing them with policy consultation on loans. So, what else does a bank loan officer do? Come take a look with me below!

What are the job responsibilities of a bank credit officer1

1. What are the job responsibilities of a bank credit officer

Announce the type, term, interest rate, and conditions of operating loans, Provide consulting services;

Guide in filling out loan applications and help with loan applications and other businesses;

Assist relevant personnel and departments to assess the borrower's credit rating;

Investigate the borrower’s legality and other factors, verify the collateral, pledges, and guarantors, and determine the loan risk;

Reply to the loan application, sign the loan, guarantee contract, or go through notarization procedures;

Issuing loans, tracking and investigating, and inspecting borrowers' execution of contracts and operating conditions;

Sending principal and interest payment notices to urge borrowers to repay loans; sending collection notices to collect overdue loans Principal and interest;

Collect relevant information and assist relevant departments for borrowers who have not repaid principal and interest;

Establish and improve the loan quality preservation system, classify, register, assess, and collect non-performing loans , write off bad debt loans in a timely manner;

Assist in handling the acceptance, discount and rediscount of commercial bills.

2. Professional requirements for bank loan officers

Education and training: College degree or above in finance, economics or related majors; need to study finance, economics, marketing, management, banking Study courses.

Work experience: More than 2 years of working experience in bank credit and other related businesses; good listening, communication skills and affinity are required.

3. Bank loan specialist salary and benefits

Income is calculated based on performance, and the monthly base salary is generally about 2,000 yuan. Banks of different types have different assessment systems, and the income of loan officers varies greatly. Generally speaking, with an average monthly deposit of 10 million yuan, the annual income is around 70,000 yuan. If the average monthly deposit exceeds 3,000 yuan, the annual income is basically guaranteed to be more than 100,000 yuan.

The annual salary of an ordinary bank loan officer: It is not that high when you first join a bank. It is usually around 60,000, which is a good figure for a newcomer. Banks are roughly divided into three categories: state-owned banks, joint-stock banks, and foreign-funded banks. The income rankings of these three categories are: joint-stock banks, state-owned banks, and foreign-funded banks.

If done well, loan officers in state-owned banks can earn an annual salary of 120,000 to 150,000. The rule in this industry is that ability speaks for itself, and income fluctuates with personal performance. The more active the deposit and loan business is, the higher the income.

What are the job responsibilities of a bank loan officer 2

Job responsibilities:

1. Comply with the company’s credit approval policy and relevant regulations to conduct approval, review and review within the authority Quality inspection work.

2. Review the loan applicant’s information for completeness and authenticity, including collateral; and prevent fraudulent customers.

3. Follow standard procedures and make necessary phone calls to the loan applicant and the three parties.

4. Provide partial guidance and management for new employees.

5. Complete approval tasks timely and accurately to ensure approval efficiency and quality; adapt to the shift work system.

6. Discover risk issues, report them to superiors in a timely manner, track and control risks, and make suggestions for optimizing the approval process.

Job requirements:

1. Bachelor degree or above (can be relaxed for those with outstanding qualifications), economics, finance, management and other related majors are preferred.

2. More than 6 years of relevant experience in credit approval, experience in Internet lending products is preferred.

3. Strong awareness of risk prevention and control, good at communication, and good written and verbal expression skills.

4. Take the initiative and be responsible for your work, be serious and careful, and be diligent and dedicated.

5. Have strong communication, analytical and execution skills.

What are the job responsibilities of a bank loan specialist 3

Job responsibilities:

1. Responsible for lending business, seeking high-quality financial cooperation channels, and maintaining long-term and stable cooperation Relationship;

2. Preliminary risk review, process tracking and payment recovery of the business handled;

3. According to department goals, complete various work tasks with quality and quantity within the specified time;

4. Actively participate in various trainings and activities of the company;

5. Handle other work matters assigned by the leader.

Job requirements:

1. Optimistic, confident, and have own principles for financial sales work;

2. Have a certain financial sales circle in Shenzhen and personal connections;

3. 22-30 years old, college degree or above, finance and other related majors are preferred;

4. More than 1 year of work experience, more than half a year of institutional credit, small business Amount, work experience related to consumer finance sales;

5. Have good communication, learning, organization, negotiation skills and customer service awareness;

1. Responsible for developing loan customers and business channels and accumulate customer resources;

2. Maintain the business of old customers and tap the maximum potential of customers;

3. Communicate regularly with cooperative customers and establish good long-term cooperative relationships. .

Job requirements:

1. Male or female, over 22 years old;

2. Applicants with more than 1 year of experience in promoting financial credit products, outstanding performance Outstanding candidates will be given priority;

3. Love sales work, quick response, strong expression ability, strong communication and interpersonal skills, and affinity;

4. Good customer service Awareness; sense of responsibility, able to withstand greater work pressure; good at challenges;

5. Have a strong sense of entrepreneurship and be willing to grow with the company

Job Responsibilities :

Targeting high-end customers in the market, developing and publicizing market loan information, assisting customers in preparing loan materials, and solving customer needs.

Carry out preliminary assessment of the application materials and financial resources of customers who need loans and screen risky customers.

Coordinate loan approval, loan signing, follow-up and after-sales service.

Job requirements:

1. 21-35 years old

2. Bachelor degree or above

3. Finance, marketing major and Applicants with relevant work experience will be given priority

4. Hard-working, strong execution ability, and teamwork awareness

5. Confidence, optimism, positivity, and good communication skills

What are the job responsibilities of a bank loan officer 4

Job responsibilities:

1. Relying on the loan service customer resources provided by the company, through a communication platform integrated with Internet, telephone and mobile technology Communicate directly with customers to verify lenders’ true information.

2. Patiently ask relevant questions to customers, complete information confirmation and accurately record customer information, and timely feedback the information results

3. Patiently listen to customer demands and give professional answers , provide high-quality customer service

4. There will be 10 urgent customers every day (contact customers who have submitted loan applications on our official website, there is no need to dig out customers yourself, review the authenticity of customer information and Accuracy, according to the customer's specific situation, match the optimal loan plan for the customer, follow up with the customer, and assist the customer in successfully lending)

Job requirements:

1. Age 18-35 years old, College degree or above

2. Clear articulation, standard Mandarin, moderate speaking speed, no accent, strong language expression and listening skills, clear thinking and quick response;

3. Basic Computer operation proficiency, typing speed exceeding 30 words/minute;

4. Good communication skills and teamwork skills, diligent, responsible, and willing to accept challenges.

What are the job responsibilities of a bank loan specialist 5

Job responsibilities:

Responsible for the car purchase installment work of China Merchants Bank credit card in Guangzhou area, and responsible for the development of cooperative 4S stores and maintenance, customer service and other tasks.

Requirements:

1. Full-time undergraduate degree or above, majoring in finance, marketing or management is preferred;

2. Aged 20 to 30 years old ,;

3. Have good communication and coordination skills, cheerful personality, and strong sense of responsibility;

4. Applicants with experience in market development, business negotiation or marketing will be given priority;

5. Applicants with working experience in high-end brand automobile 4S stores will be given priority;

6. Applicants with personal driving experience will be given priority;

7. Can withstand certain work pressure and challenges.

The company will provide you with:

1. Welfare protection:

a. Five insurances (including pension, medical, work-related injury, unemployment, maternity) and one fund (Housing Provident Fund);

b. National statutory holidays; c. Annual employee team travel; d. Regular physical examinations.

2. Salary: basic salary, monthly allowance, monthly bonus, incentive competition bonus;

3. Complete and mature systematic training (including financial knowledge, business skills, etc.);

4. Good development platform and promotion space.

What departments and positions does the bank have?

The banking departments are as follows. The corporate business department is mainly responsible for corporate business, auditing, etc. The Personal Business Department is mainly responsible for personal business, resident savings, and review. The International Business Department is mainly responsible for international packaged loans, international wire transfers, foreign exchange settlement, etc. The Fund Operation Department is mainly responsible for fund settlement. The Credit Approval Department is responsible for various loan approvals, etc.

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

The Accounting and Settlement Department, with the theme of safety prevention, strengthens the basic management of accounting and settlement, and takes over various tasks such as deposit and increase, intermediary business, insurance, funds, etc., and improves the prevention awareness, business quality, and accounting quality of all employees. , service skills work, etc.

Bank job introduction

1. Comprehensive teller, handle various basic businesses at the bank counter, including but not limited to local currency deposits and withdrawals, foreign exchange settlement and sales, bill business, etc. Responsible for answering business inquiries from customers inside and outside the bank, and cooperating with the business development department to provide customer service.

2. Corporate business account manager, engaged in the maintenance and expansion of bank deposits, loans, intermediary business and other businesses for small and medium-sized enterprises, individual industrial and commercial households, and business owners.

3. The lobby manager ensures the daily operation of the bank business hall, maintains order, provides appropriate guidance and assistance to customers, responds to emergencies in the bank business hall, and handles other tasks assigned by leaders.

4. Foreign exchange traders analyze domestic and foreign financial market trends, seize market opportunities, conduct trading operations in a timely manner, and provide regular market analysis reports.

What departments does the bank have, their positions and their respective work contents

What departments does the bank have, their positions and their respective work contents

The department settings of each bank are definitely not complete. The same, but some departments are "standard" for banks and are basically available. Corporate Business Department: Mainly responsible for corporate business, auditing, etc.

Project Finance and Corporate Loan Department: Responsible for developing various foreign currency and RMB industrial corporate loan and deposit businesses.

Personal Business Department: Mainly responsible for personal business, resident savings, and review.

Personal Finance and Wealth Management Department: Responsible for developing and managing personal comprehensive foreign currency financial management and credit card business.

International Business Department: Mainly responsible for international packaged loans, international wire transfers, foreign exchange settlement, development and management of international trade settlement and trade financing businesses, etc.

Fund Operation Department: Mainly responsible for fund settlement.

Sales Department: Handle deposits, loans, exchanges, savings, bank card processing, loss reporting, account cancellation, online banking processing and related services, banking business-related inquiries, recovery and recovery of counterfeit and residual coins Exchange etc.

Credit Approval Department: Responsible for various loan approvals, etc.

Risk management department: It is the department that evaluates, manages, and solves business risks in the bank.

(The bank’s business risks mainly include: credit repayment risk, accounting settlement risk, new business trial risk, financial management risk, legal risk of business documents, etc. All these risks Control, especially the risk control of the first three types of business, is led by the Risk Management Department to formulate solutions)

Compliance Department: Identifies, assesses, notifies, monitors and reports bank compliance risks. An independent functional department.

("Compliance risk" refers to the bank's failure to comply with laws, regulations, regulatory requirements, rules, relevant standards formulated by self-regulatory organizations, and codes of conduct that have been applied to the bank's own business activities. Risks of possible legal sanctions or regulatory penalties, significant financial losses or reputational losses)

Planning and Finance Department: Financial and planning matters, it is the core and powerful department of the bank.

Accounting and Settlement Department: Accounting liquidation, sorting out income and expenses.

Cashier Security Department: Mainly responsible for cash management, safety inspection, monitoring management, fire safety and other security work.

Science and Technology Department: Mainly responsible for the maintenance of bank computer software and hardware.

Internal Audit Department: Mainly responsible for reviewing subpoenas of each branch, checking teller errors, etc.

Electronic Banking Department: Responsible for the bank’s electronic banking (such as online banking, mobile banking, etc.) including system development, operation, maintenance, formulation and implementation of operating procedures, etc.

There are also some departments whose functions are not much different from those of other units, such as: Accounting Department, Computer Department (or Information Technology Department), Legal Department, Human Resources Department, Audit Department, Supervision Department, and Security Department , Development Research Department, International Business Department, Office (or Administration Department), Party Committee Office (including Youth League Committee), Sales Department, Board of Directors Office, Institutional Office, etc.

What are the positions and work content of the bank?

Managers in various departments of the head office, managers in various groups, departments and teams of branches, branch account managers, branch tellers, customers Manager, lobby manager. Let’s talk about the same thing next.

Manager from the head office: There are more opportunities to communicate with the top management, of course, there are more materials to write, and there are more opportunities for promotion to subordinates. Some departments are only available at the head office (such as the financial market department, etc.) and can participate in the promotion, improvement and development of products to the maximum extent, and have more opportunities to integrate their own ideas and ideas into products (such as process reengineering, pledge Confirmation of product range and development of various “non-standard” products). Being a watchmaker is the norm. The business is complex and cutting-edge, the amount of money is large, the vision is broad (national or even global vision), the height is relatively high, it is easy to become an expert, and there is no external marketing pressure at all. But it’s easy to stay in one profession for a long time? It’s easy to narrow your knowledge, especially those who go to the head office right after graduation? I hope there won’t be such people in the future, and if there are, don’t let me meet you!

Branch management: Has a certain regional perspective, is exposed to many types of business, with different amounts of money, making a pretense is the norm, has a certain amount of external marketing pressure, direct front-office departments such as companies and investment banks Is there huge external marketing pressure? Product innovation varies from bank to bank. Some banks have fund pools at their first-level branches, while some only have it at the head office. Some first-level banks have authority of 2 billion, while some only have 200 million. It’s incomparable, but One thing is for sure, it is incomparable to the head office. Process reengineering on the system is basically a waste of time.

Branch account managers: The front line of banks making money is the group of people who turn the wonderful products of the above people into profits. These people need to carry out full product marketing, and take care of everything that customers eat, drink, poop and sleep. Most of the time, there are four types of account managers: those with public loans, those with no public loans, those with personal loans, and those with no personal loans. In fact, according to my understanding, they are all the same. The customers are there anyway, and those who run the company also take care of the business of the customers and employees. If you do it, how great would it be to be an individual and also do business for their company? But this also puts forward higher requirements for account managers. They must understand various products and be able to design basic financial service plans for customers. It is best You can also have a soul-touching understanding of customers (this sentence is nonsense from me, just let it go.)

Teller: Basically the same thing, morning meeting at work every day, counting money, counting vouchers, opening window, work, sell insurance, sell funds, sell financial management, and other authorizations, eat, get scolded (including myself, the president, my 18th generation ancestors and the 18th generation of the president’s ancestors), check accounts, pay box, too good It’s a day without any mistakes. Register your results and go home?

Lobby Manager: Basically it’s the same thing, open the door at work, various explanations (this is a card from another bank, it can’t be dealt with here) (you have to make various appointments to withdraw money), get scolded (the content is the same as the teller), sell insurance, funds, financial management, flirt with old men and old ladies, it’s great, no one is in the lobby all day, register your performance, go home?

Let’s talk about it based on the general front, middle and back offices of a bank. Here we basically talk about what each department does. As for which position does what, you can think about it yourself by referring to the department functions. .

What are the positions and main work contents of the bank credit card center?

The bank's credit card center mainly has several major positions: management positions; development positions, which are the most common positions in the bank's credit card center, and channel development positions are also in this category; personnel and financial positions, responsible for People and finance, but many bank credit card centers are not self-service finance, so they are not necessarily equipped with them; there are many technical positions, including the development of new financial products, mobile product development, network maintenance, technical services, etc. position. In addition to the above positions, the bank's credit card center also has many other positions.

The job of the bank’s credit card center is to do business. To put it simply, it is to allow customers to apply for credit cards of their bank. All bank credit card centers handle credit card business. The credit card center is a huge department unit, usually a secondary department of a bank, including risk control, customer service, gifts, joint activities, etc.

All functions of the credit card need to be managed by the Credit Card Center. For example, card approval, credit rating, consumption account records, risk control, credit card promotions, card points management, etc. These are core functions and are generally formal employees of the banking system. Telephone customer service is generally outsourced.

May I ask what departments the bank has and what positions each department has?

Accountants are the most tiring, and corporate account managers are the easiest, haha.

If you want to work in a bank, what departments in the bank are suitable for new employees?

It is recommended to start from the grassroots level, such as: cash teller, etc.

Only with a good foundation can there be room for improvement

I started from the basics, come on!

Could you please tell me what jobs and benefits China Merchants Bank has, thank you

Hello, our bank’s recruitment homepage::career.cmbchina./cmbcareer/, you can click to learn more.

What are the job contents of an administrative assistant position?

The work of administrative assistants in small companies is very complicated. My company is like this, and the things they do are very complicated. (Front desk, personnel, logistics, document control) All done

What is the work content of the department?

It is a political governance and social management organization backed by violence that is organized in accordance with the principle of regional division in order to maintain and realize specific public interests. In a broad sense, it refers to the collection of public institutions such as the country's legislative bodies, administrative agencies, and judicial agencies. Represents social public rights. In a narrow sense, it refers to the administrative agencies in the state power system, that is, the organizational system that enjoys administrative power according to law in the state power system. Our country's Constitution stipulates that state power organs exercise legislative power, the people exercise judicial power, the People's Procuratorate exercises procuratorial power, and the people automatically exercise administrative power. Generally we use the narrow concept. It has the following characteristics: (1) From the perspective of behavioral goals, behavior generally serves the interests of the public. In a class society, it serves the interests of the ruling class; (2) From the perspective of behavioral fields, behavior mainly serves the interests of the public. Occurs in the public domain; (3) From the perspective of behavioral methods, behaviors are generally backed by coercive means (state violence) and have authority and coercive power over all other social organizations; (4) From the organizational system You see, the institution is holistic. It consists of organs that perform different functions and form a strict system according to certain principles and procedures. Each has a division of labor, performs its own duties, and assumes its responsibilities.

: It is the executive organ of state power and the national administrative organ.

It is the symbol, carrier and actual actor of the country’s public administrative power. Administrative orders, administrative decisions, administrative regulations, administrative justice, administrative rulings, administrative penalties, administrative supervision, etc. issued shall comply with the principles and spirit of the Constitution and relevant laws, shall be effective for all applicable objects specified by them, and shall be Enforcement backed by state armed forces.

In a broad sense

In a broad sense, it refers to the sum of public institutions such as the country's legislative bodies, administrative agencies and judicial organs, and represents the public power of society.

It can be seen as an institution that formulates and implements public decisions and achieves orderly governance. It generally refers to various national public authorities, including all those who have the right to formulate laws and regulations according to law. The public authorities that implement and implement laws, as well as interpret and apply laws, are commonly known as legislative bodies, administrative agencies, and judicial agencies.

In this sense, "it is the expression of the country's authority."

In a narrow sense

It is the executive organ of state power agencies and the administrative agency in state power institutions, that is, an organizational system that enjoys administrative power in accordance with the law in the state power system.

Our country’s Constitution stipulates that the People’s Congress exercises legislative power (Articles 58 and 100), the people exercise judicial power (Article 126), and the People’s Procuratorate exercises procuratorial power ( Article 131), the people automatically exercise administrative power (sections 3, 5, and 6)

2 Origin

Editor

""It The name originated from the combined name of "Zhengshitang" in the Tang and Song Dynasties and "Erfu" in the Song Dynasty.

Ancient Yamen

In the Tang and Song Dynasties, the central government agencies were divided into three provinces and six departments, namely the Shangshu Province, with officials in charge of administrative affairs; the Zhongshu Province drafted government orders and was actually a team of secretaries; the Menxia Province In charge of cashiers and standing orders, and has the power to review edicts. In the Tang Dynasty, in order to improve work efficiency, Zhongshu Sheng and Menxia Sheng sometimes shared offices, which was called "Zhengshi Hall". In the Song Dynasty, the "Zhengshi Hall" was located in Zhongshu Province and was called Zhongshu. In the early years of the Song Dynasty, the Privy Council was also established to be in charge of military affairs, and its official office was called the Privy Council. And the Zhongshu Province and the Privy Council were collectively called the "Second Government". The collective name of "Zhengshitang" and "Second Government" became the later "Zhengshitang".

First seen in "Zizhi Tongjian·Volume 232·(Tang Dynasty) Dezong Shenwu Shengwen Emperor 7·Zhenyuan Three Years": At the beginning, He and Long were no longer in Tubo. Since Tianbao, those who have carried out affairs in Anxi and Beiting, and those who have envoys from the Western Regions in Chang'an, have no way to return, and their troops and horses have all turned to Honglu. The protocol committee of the government and county will provide it, and Yu Du will accept it directly. Expenditures are paid straight from time to time, which brings great disadvantages to the merchants in Chang'an. Li Mi knew that the foreigners who had stayed for a long time, or more than forty years, had wives, bought land and houses, pledged their property to get profits, and lived in peace without wanting to return. He ordered the inspection of the foreigners who had land and houses to stop giving them. Anyone who gets four thousand people will stop giving them. All the foreign guests came to complain and said, "This is all the fault of the former prime minister. How can there be foreign tribute envoys who have stayed in the capital for decades and refused to return? Now we are falsely following the Uighurs, or sending them back from the sea. Is there anything wrong with this?" Those who are willing to return should report themselves to Honglu and be given a position and salary as a minister of the Tang Dynasty. Life should be used to make the most of it. How can you die as a guest for the rest of your life?" [1]

Huang Daozhou, a famous scholar in the Ming Dynasty. "" is mentioned four times in the "Jie Huan Gong Zhuan": "When he was at the censor's desk, when his censor was angry, he raised his imperial staff and all the censors begged for help, and the assistant minister expressed his gratitude." If you use it to banish the Duke, then collect and depose him, what a waste of money!" "The Duke (Yuan Keli) has been in Eastern Xinjiang for a long time, and he is very familiar with the big ugly things, and he wants to take advantage of the Duke." "I am a little tired of all the excitement. Wei, moving to sell Zhigu fame suppresses the theory

1. From the perspective of behavioral goals, behavior generally serves the interests of the public as its goal. In a class society, it serves the interests of the ruling class.

2. From the perspective of the behavioral field, the behavior mainly occurs in the public domain.

3. From the behavioral perspective, the behavior is generally backed by coercive means (state violence) , which has authority and coercive power over all other social organizations.

4. From the perspective of organizational system, the institution is holistic. It consists of organs that perform different functions according to certain principles and procedures. Form a strict system, each has its own duties and responsibilities. I don’t know if you are satisfied with this.

6 functions.

Editor

Politics

Political functions refer to the functions of safeguarding people's democracy and maintaining long-term stability of the country.

It is responsible for safeguarding the independence of the country and protecting citizens. Life safety and various legitimate rights and interests, protecting the legitimate property of the country, enterprises and individuals from infringement, safeguarding people's democracy, coordinating internal conflicts among the people, combating criminals, maintaining social security and social order, etc.

Economy

Economic functions refer to the functions of managing social and economic life for the development of the national economy

Under the conditions of the socialist market economy, our country mainly has four major economic functions: ① Economic regulation functions; ② Public services; ③ Market supervision; ④ Social management

Culture

There are two cultural functions: on the one hand, to promote Marxist scientific theory and guide. People resist the influence of various errors and decadent ideas and improve the ideological and moral quality and scientific and cultural quality of the entire nation; on the other hand, they organize and develop education, science and technology, culture, health, sports and other undertakings, and strive to improve the country's cultural soft power .

Service

Social public service functions, that is, the state's functions of providing public services and improving social management. Such matters are generally of a social public nature. , cannot be completely solved by the market, and should be guided, regulated and managed from the perspective of the whole society.

At present, the main social functions of China are: ①Adjusting social divisions