农业银行朝阳分行立足“早”字发展个贷业务

Chaoyang branch of agricultural bank of GeDai business based on the "early" word

"Spring action" at the beginning of 2013, ABC chaoyang branch closely around ShengHang "136" development strategy, adjust measures to local conditions, solid effectively promote individual lending. As of the end of February, various types of personal loans (excluding farmers microcredit) balance is 693.23 million yuan, net 148.05 million yuan from a year earlier, finish ShengHang incremental plan of 185%, jiangsu first; Personal loans intermediary business income is 223000 yuan, completed 279% of ShengHang plan, listed in the second place. Become the province only a complete ShengHang "spring action" plan of secondary branch, laid a solid foundation to complete the annual business plan.

Early planning, clear development goals. Studied hard chaoyang branch of the government work report of the content of urbanization, the combination of "village in city" transformation process, especially the "YanDou new city" and "chaoyang county xincheng" 2013 area of not less than 4 million square meters of new development opportunities, assess the situation, a clear development goals throughout the year, personal housing mortgage loan increment, market share, trade places and ranking system with "four"; For the various types of personal loans is not lower than 500 million yuan.

Early implementation, mobilize work enthusiasm. ShengHang "spring action" meeting, held on December 22, chaoyang branch selling "spring action" start the meeting and conference to highlight the main body of personal credit business and core position, the provincial branch has carried on the elaboration, assessment index in the assessment of GeDai business daily increment, on the basis of increased personal loans and weighted average interest rate on the inspection item. And requires each branch further decomposed tasks indicators, clear responsibility, once implemented, form a complete set of special incentives to ensure that during the whole event, all GeDai practitioners task for everyone, everyone has a passion.

Reserve early, to ensure that the resources effectively. GeDai center after the establishment, all staff quickly into the work role, give full play to the GeDai center of central management status. Pre marketing link, by GeDai center unified collection situation of the city land and listing-for-sale and branches, the issuance of the business line marketing discontinuity problems put forth efforts to solve in the city to avoid competition twice at the same time, also make sure that the first docking with the real estate development enterprise. Is now on the original access eight reserve project, amount of nearly 300 million yuan, among them, the "Beijing park", "xishuangbanna garden", "at home" and "west Washington" four buildings, more than 70 million yuan accumulated on the rest of the loan also is underway.

Had pushed new, rob to dig customers with high quality. Via "loan" and "cajal borrowed" is for the headquarters of high-end personal customers launched two new products, has a stable deposits, loans, and increase the intermediary business income, etc. Province branch on January 30, after training, chaoyang branch on, speed up to push the new, immediately to push trainees issued new task and set up according to the appraisal system, strengthen the joint marketing, tracking new product constantly advancing process. Through unremitting efforts, on February 6, line, sales success signing first via "loan" business in the city, tied to personal deposit 120000 yuan; On February 17th, liuzhou branch issued 200000 yuan in the first "self-help revolving loan" and successfully signed on February 22 "cajal credit", implement the business will be zero breakthrough. Hard efforts, finally got ShengHang praise, ShengHang congratulatory message, praise me: "marketing for new product development as well as the individual example for the intermediary business revenue channels broaden", and I hope I can in the new product marketing, to be able to: "moved on, try, try, try again," make greater achievements.

Early to start work, improve the satisfaction. Before the Spring Festival according to the real estate development enterprises focus on the characteristics of the model used in chaoyang GeDai centers to supervise all the subsidiaries to have access to building services team. Set-up service desk, on the one hand, in the center of accredited professional customer manager on-site homebuyers receipt and answer questions, make sure the customer is not lost; Side part in inline lien entry personnel, centrally accept, to receive data entry, debit CARDS, our bank do a rate increase; Unity at the same time, in the center of the city line GeDai introduction, expeditious and mortgage registration departments conduct site for mortgage registration, reduce customer unnecessary back and forth between Banks and real estate departments, realize the seamless joint between different departments, guaranty registers a alone by daily reduced to 3 days, 7 days credit efficiency gets improved. In completed mortgage registration and stick to back the loan, will not delay. Lending on February 1, 270, 43.32 million yuan, for the chaoyang branch loan peak in a single day. The move by real estate development enterprises, and have a long-term cooperation intention with our bank.

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