Chicago Bears rookie quarterback Mitchell Trubisky tried on Wednesday to pump the brakes on the continued hysteria surrounding his preseason debut.

“I don’t know what you’re talking about,” Trubisky said of Mitch Mania. “I don’t pay attention to it.”

For the most part, Danny Trevathan JerseysTrubisky said he successfully stayed in the bunker as Chicago reveled in his performance (18-of-25 for 166 yards and one touchdown) last Thursday at Soldier Field.“A couple more people texted me after the game -- family congratulating me,” Trubisky said. “I think it’s just a small step in the right direction. I’ve still got a lot of work to do. I was pleased with how I played, but plenty more mistakes are going on during practice for me that I need to work on and continue to improve in my game and make sure when I go out there that I’m doing my job to help other people do their job.

“I think it just showed me that I’m making progress, Walter Payton Jerseysthat I could go out there and lead and do my job like I wanted to show. But it was just a small sample. It was the first game, and you’ve just got to continue to be consistent in reproducing it. That’s why we’re out here working and practicing.”

Practice is where Trubisky can identify the majority of his flaws. Trubisky had no trouble with the vanilla scheme of Denver's second-string defense last week. But on the practice field, Trubisky often is shown looks he’s never seen before.

“[At practice], Kevin White JerseysI’ve been taking the wrong drop a couple times, Jordan Howard Jerseys[and I’m working on] getting the correct Mike [linebacker call] down so we have it blocked correctly,” Trubisky said. “[I’m working on] just being more efficient. The game was actually pretty clean; it’s more in practice.”

Saturday's game against the Cardinals is an even bigger test for Trubisky, who is expected to play sometime after the Bears pull starter Mike Glennon.

Arizona coach Bruce Arians won’t be bashful about showing stuff in the preseason. Alshon Jeffery JerseysDon’t be surprised to see the Cardinals go after Trubisky, who’s working on blitz recognition in practice but didn’t face much extra pressure in the Broncos game.

只有专业才能降低投资担保风险

 

在外界眼中,担保公司似乎很神秘,既能借钱也能赚钱,而且理财收益还远远高于银行定期储蓄。担保公司是怎样做到的呢?它又是靠什么来服务众多客户的呢?在国银投资担保公司,我们看到了答案。

在国银投资担保公司,信贷部是一个非常重要的部门。“作为公司的一线人员,每介入一个项目,都要确保该项目的安全性。”侯志文认为,一个专业的担保从业者,应该把风险意识做到第一位。

“具备风险意识是对客户以及公司负责的一种态度,也是人员专业性的表现。”在侯志文看来,这种专业应该体现在:

第一,对市场动态的了解,要把握银行的政策,银行各种利率,各行业的销售情况等。

第二,要有一定的社会经验,这涉及到各个阶层,要求与客户的信息对等,便于更好的沟通。

第三,要熟悉贷款的整个流程,对风险要有简单的判断。“比如说,一个企业要想从我们这里贷款,我们要通过他提供的抵押物、现住址、经营场所这些进行判断,而不能靠企业的口述,同时,要了解,这个企业的还款来源以及还款意愿,如果条件都允许,我们会把客户转交给下一个流程,进行更加细致的审核。”

据侯志文介绍,现在他们部门的6个人,各个都是“谈判高手”,把风险控制在整个投资担保的第一环。

风控部:支润祥

专业才能规范
作为整个担保的核心部门,风控部要做的就是把风险降到最低。“风险控制好了,公司才会有利润。”从事信贷业务几十年的支润祥,把风险控制理解得很是到位。

“在银行信贷业务里,风控部就是其中的一部分,担保公司所提供的担保,就是用来转嫁银行风险,在担保公司内部,就是让可预见风险更好地控制住。”支润祥如是说。

在支润祥的眼里,风险控制体现在以下几个方面:

第一,科学的管理,投资担保业务直接关系到公司的发展,提高风险意识,不单是一个部门,而是整个公司都要考虑的问题。

第二,员工的专业化程度,这种业务素质可以是经验的积累,也可以是后天培训,但最终的结果都要求每个人熟悉业务流程,对每个项目都有自己的认识。

第三,员工的责任心,要从企业的规模、发展规划、产品销路、市场情况、企业资金、偿还能力等方面去考察,掌握客户的情况,不放过任何一个细节。

“担保公司比银行风险大,只有更加规范的操作,流程化运行,才能更好地防范风险。”支润祥认为,专业的知识对于从业人员来说最为重要,现在大多数担保公司的专业化程度还不高,需  要一个过程去不断完善。

理财部:魏艳艳

让理财客户的资金流动起来。

担保公司开展理财业务,已经是众人关注的投资热点。在国银投资担保,他们的理财部和众多公司一样,不同的是他们的客户都成了公司的朋友。

“客户流失率应该是同业内最少的。”魏艳艳很自信地说,通过热心的服务,保证本金安全,公司的信誉度这几个方面,足以让客户满意。

“理财部的主要工作就是吸收客户的闲散资金,匹配给有融资需求的客户,除了要保证本金的安全,还要保证有可观的收益。”这些都能达到的话,剩下的就是如何开发新客户,维护老客户的服务了。

“我们理财部共有7名人员,理财金额每月均突破千万,每个人的客户资源都在200~300人之间,要维系好每个客户也不是件容易的事。”为此,他们要定期进行电话或者短信回访,在节日送去祝福和礼物。

同时,他们还要确保出资客户清楚了解自己资金的去向,“只有像对待朋友那样,才会更加热心地去帮助每个人。”
 

 
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