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千锤百炼 只为磨砺更好的自己
2017-08-24 05:52:04 中国青年网
著名剧作家尤金·奥尼尔有一句名言“我们生而破碎,用活着来修修补补”,一语道破了艰苦的修行对于丰富灵魂的意义。把简单的事做成不简单的事业,意味着千锤百炼,意味着精益求精,这就是工匠精神。在孔波26年的工作历程里,“苦练业务功夫、磨砺更好的自己”是唯一的信条,他先后获省行、市分行“先进工作者”和“全行工作标兵”、“湖北省分行国际专业先进个人”等荣誉,并成为国际业务专业的专家型人才。
工匠之路从“心”开始
现任武汉经济技术开发区支行国际业务部经理的孔波从事国际业务的时间并不长,2014年前他一直从事信贷专业。国际业务通常需在境内外资本、货币、外汇、商品等市场中,运用利率、汇率、信用、商品等基础及衍生金融工具,进行投资、融资、交易、承销发行等,专业性很强,需要大量的国际金融、国际贸易及我国外汇管理政策方面的专业知识,还要有一定的外语水平。岗位的需要就是攻坚的目标,不畏难的孔波毫不犹豫地开始了自学之路。他上班积极向客户、同事和上级专业部门用心请教,下班后如饥似渴地查找、钻研相关知识,不断扩充自己的知识面,提高业务素质和专业能力,经过一年多的高密度“强化学习”,他从国际业务的“门外汉”成功转型为“业务能手”,2015年上半年他带领的国际业务团队专业排名跃居全省第二,当年底湖北省分行选拔国际业务专家团队,专业年限才一年的孔波成为唯一从支行破格选拔的资金交易专家。而此时的他,还有一个身份是“强直性脊柱炎”患者。
工匠之道贵在创“新”
在国际业务领域,不创新毋宁死。学得越深、接触客户越多,孔波越感到深深的危机感,也激起了强烈的创新欲。他带领团队勤学不息,实践不止。2015年,在某企业外币付款受到外管政策以及行内贸易融资政策的双重限制下,孔波带领团队通过创新产品组合突破“瓶颈”,首创了“现汇贷款+人民币理财+零期权远期购汇”产品组合,为企业提供了贬值保护、规避远期购汇成本高、避险成本较低且灵活设置对冲汇率风险成本,改变了企业依赖外资银行的格局。
他还带领团队先后办理了湖北省工行首笔电子银行承兑汇票的开票及贴现业务、风险参贷方式的美元境外融资、其他跨境担保的全口径外债融资;武汉工行首笔小企业网贷通贷款、国内信用证卖方融资、增益型掉存通等新业务。他运用“现汇贷款+掉存通”、“出口发票融资(人民币风参)+人民币外汇掉存通”、“出口发票融资+即期结汇+人民币外汇掉存通+零期权远期购汇”等创新组合,最大限度满足客户即期及远期业务需求;利用全口径外债的政策机遇,与工银澳门内外联动,整合资源,积极协助某企业沟通外债登记、开立外债专户、结算、融资等问题,为该企业设计了“其他形式的异地担保+境外美元贷款+零期权购汇”的产品组合方案,提供开户、备案、提款、远期购汇锁价等一条龙服务,在满足企业融资需求的同时,为企业节约近40%的融资成本,相当于创造近4000万元的利润,赢得了企业的赞赏与信赖。
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