农业银行陕西铜川分行促进中间业务收入不断增长

Agricultural bank branch to promote shaanxi tongchuan middle business income increase

In 2012, in the face of the individual settlement income greatly shunt, fund sales difficulties and adverse conditions, agriculture bank shaanxi tongchuan branch sail against the current, adjust the train of thought, hard working, has obtained great achievement. By December 31,, realize a gold intermediate business income is 6.28 million yuan, the plan is completed 100.43%, and historical best result compared with the same period last year, an increase of 820000 yuan, 15.09%, plan effeciency and growth in the agriculture bank system are the second.

Long-term planning, looks for the accurate intermediary business revenue growth.

Tongchuan agriculture bank branch committee after careful analysis, to determine the market situation, focus on customer benefit, realize win-win development of intermediate business ideas. Puts forward the focusing on four types of business measures: one is to do big pillar business. To debit card as the carrier, to carry out centralized marketing, leave no stone unturned much more hair bound products. The second is to do real mature business. The financial product development as a maintenance in the high-end customer important means, through the telephone invitations, wealth diagnosis, etc, to marketing, depth mining stock customer potential, and actively to dig the money he did. The third is skillful do short board business. Face up to capital market declines, traditional fund sales difficult reality, customer interests as the core, adjust the focus, to let go ShengHang sales promotion on the low risk fund, break through the bottleneck of development fund business. The fourth is stronger emerging business. Develop "the treasure handed down from ancient times" physical gold deposit, offering business, improve precious metal income contribution.

Take the customer as the center, to improve network financial service ability.

The customer is the fundamental survival bank, win the customer's key lies in the network to maintain the customer financial ability level. In 2012, an agriculture bank personal banking held many retail business training, unified production product analysis report, clear information transmission channel, strengthen the network guidance and support, has greatly improved the network financial ability.

Outstanding performance in the three business: one is the personal finance rising unemployment, network marketing staff financial products has become a habit. By December 31, 2012, an agriculture bank of the personal financial management business income is 1.29 million yuan, up charge 860000 yuan; For private financial product balance and savings deposit balance ratio reached 10.2%, the highest for the agriculture bank. The second is to provide financial planning service outlets, promote VIP customer experience. In April, the customer manager clients financial planning scheme, suggest the customer configuration "key tiangong series" golden hook financial product marketing, a total of 17.64 million yuan, the province agriculture bank products sales ranked first, as the customer to win 7% of the ultra-high annualised income. The third is offer fund health diagnosis service. The customer manager through the CFE system active screening fund losses customers, invitations outlets try to fund health diagnosis system, and gives the reasonable investment advice. At the same time, the use of financial fund risk is low, the income is considerable, liquidity, low starting point of product characteristic, lets the customer through the fund products, to improve the benefit of agriculture bank financial brand identities.

The solid foundation, promote the development of precious metals business on.

Agriculture bank branch of tongchuan the precious metal business for future potential larger key business, increase product knowledge popularization and marketing efforts. In 2012 the new gold, silver products information, drawings and province agriculture bank preferential policy sent to each node, the precious metal product features subdivided into value is second, New Year gifts series, the collection class, summarized the different target customer groups and product marketing words technique, match with product combination pattern, arrange internal trainers by network training, greatly enhance the staff product familiarity and marketing skills. By December 31,, realize the precious metal business income is 250000 yuan a year earlier, increased by 3.2 times, revenue plan effeciency in the agriculture bank system the third.

Strengthen the implementation, completes the key fund product sales organization.

Tongchuan agriculture bank professional solid meticulously study each key fund, clear financial bonds, low risk funds to go all out, not only make more tasks in charge. Through the BBS, the bank website, enterprises, such as XinTong CFE SMS platform, timely issued product features, price incentives, such as marketing target information, the greatest degree to shorten transfer process. At the same time, by branch tracking marketing sales, adhere to the daily report progress, the backward network sent internal trainers to guidance. Match with strict accountability system and disciplinary measures, resolutely eliminate zero sales outlets.

Results show that, a key fund sales performance, not only the large scale overfulfil province agriculture bank plan, sales quantity also row in the front row, has been praised province agriculture bank reward. Among them, the rich countries 7 days fund sales of 25.294 million yuan, completed ShengHang plan 744%; Fine fruit 7 days fund 4.951 million yuan, complete province agriculture bank plans to 225%; 21 days into silver fund of 17.265 million yuan, complete ShengHang plan 785%; YiFangDa month in and month out the fund 19.7992 million yuan, completed 900% ShengHang plan.