农业银行湖南塘渡口支行全面筑牢业务发展基石

Agricultural bank of China hunan branch pond ferry comprehensively enhancing business development cornerstone

In recent years, the agricultural bank of China hunan shaoyang county pond branch crossing the intersection from the local industry characteristics, to explore their business development and regional economic characteristics of combining the development road, fast development cornerstone, the customer foundation construction, safe foundation, strive to create a unique size and characteristics of the secondary branches. By late February 2013, the site all the balance of 982 million yuan, toward the balance of RMB 515.21 million, savings deposits totaled 466.43 million yuan, respectively, at the beginning of a net gain of 181.15 million yuan and 45.38 million yuan, increased by 54% and 11%.

Public and private, speed up business development. How network development speed, the key is whether the node "popularity" is enough, and is not for a large amount of capital in and out, so the accumulation of basic customer is the core problem. So how do you do big do optimal customer base, in order to speed up the development provide a solid business hosting platform? The answer is: public or private linkage. Actually, pond ferry branch area not only stable industrial enterprises with total output increases, the network is also in the pond the ferry town the biggest physical stores, with vast rural market. So a few years before, county branch leadership have been determined, it to make it the best area biggest outlets, explore the linkage mechanism in the true sense. Pond ferry branch has been endowed with the function of the company and personal credit business, and determine the intervention on lending as the core, focusing on the payroll, the working train of thought of using probability, in the true sense of private offices office of natural advantages, door-to-door, analysis customer financial resources, door to door marketing together, through the credit customer resources take "one to one, the point to point" aggressive marketing, to put into production or new customers to take a home a strategy to increase the rate of business cooperation, the company combined with personal credit and payroll development, strive to do a home a home for the measures, quickly opened the work situation. Only the first two months of the year, the site of new approaches to settle accounts, company credit customers and individual customers effectively, individual high-end customers in 31 families, 7 families, respectively 2200 and 142; Payroll customer signing on 6, month undertakes traffic reached 3.7 million yuan.

Suit the remedy to the case, began service reputation. Pond ferry branch director thinks: "service is not only a showcase projects, but also within the healthy development of the business students." Indeed, along the way, with sincere enthusiasm service attitude, for the network with excellent and efficient service quality, in the competition, climaxing in the local reputation.

On the service efficiency, network asked staff to improve the response speed of customer demand and process efficiency, and strive to overtake counterparts in service and efficiency, so as to strive for more financial resources. Consistent enterprise in his line to apply for a loan - a full three months haven't batch of down, after get the information, the branch actively strive for, in just 10 days namely issued a 6-month personal business loan, in winning customers highly evaluation at the same time, also successfully to enterprise basic accounts, payroll, accumulation fund business, etc. Get.

In the customer maintenance, in view of the financial institutions, payroll concentrated his lines of the status quo, on the one hand, division of labor cooperation and docking with the relevant departments, get customer demand information, timely follow up; With full tracking on the other hand, in the customer service commitment as long as the customer have not clear or not do, will help customers to solve it. A enterprise in salary freeze net silver certificate the day before, ask branch to provide the fastest reset procedure, outlets, head of the first time contact good county branch and city branch, branch to retrieve the certificate and went to the city, under the condition of the phone can't contact the customer, who in charge of public or private business by dot led drive to find enterprise financial personnel, on the same day that retrieve the certificate after reset.

In the service process, customers to the company extended individual high-end customers to give priority to with branch director, executive of customer manager cooperate marketing service system, to achieve the customer demand and the promotion of the organic combination of personal assets.

Renew the idea, both inside and outside of strong management. Outlets, as the biggest one in volume levels in emphasis on marketing exists more or less than the thought of internal control, a few years ago because the management does not reach the designated position, had superior issued check list and report. Branch, pond ferry timely renew the idea, through a series of measures to strengthen the internal management. In 2012, the assessment of network business operation achieved second place in the branch outlets, implements the annual safety without accidents.

People post match. Counter for branch staff skills and dislocation of reality, on the one hand, strengthen staff business skills training, require employees to adapt to post requirement as soon as possible, to launch period cannot be qualified for positions of employees, timely adjustments; On the other hand, by special rewards and punishments measures, strive for zero risk site activities such as accounting, detailed requirements, strengthen assessment, risk events get reduced obviously.

Analysis on a regular basis. Adhere to held monthly job analysis, employees talk conversation, etc., the problems in the process of marketing staff, progress slow employees, encountered difficulties and deficiencies, etc, timely take different measures, help employee overcome them.

Strengthen the ChuanBangDai. For site personnel changes, through of middle-aged workers with young employees, customer manager and counter staff business skills, work initiative, job performance has improved significantly.