Second, to improve services as a starting point to attract deposit business.
As a service unit, it is an eternal theme for banks to improve service attitude and quality. This work is not only a phased task, but a work that must be done for a long time.
1. Optimize the environmental image, employee image and service window image of business outlets. We should vigorously promote standardized services, create a beautiful business environment, promote civilized language, strengthen employees' business learning and improve their operational skills, and provide accurate, fast and good financial services to customers, so that services will gradually change from the same to hierarchical and professional; Take the initiative to visit high-quality high-end customers and provide on-site service when necessary; Increase the service function of outlets, expand the variety of services and meet the needs of customers; Make full use of our existing telephone banking, SMS and self-service equipment to make our services electronic, diversified and modern.
2. Enrich a group of employees with fine business, good style, excellent service, strong sense of responsibility and stable attitude to the front line of the counter. With the full implementation of the comprehensive teller system in our bank, the system has been continuously upgraded, new businesses have emerged one after another, and the pressure on counter personnel has been increasing, which brings operational risk, fraud risk and cash error risk. Therefore, we need a team of law-abiding, knowledgeable, civilized and capable employees to work in the front line to improve work efficiency, instead of just staying in the primary stage of "smiling service" and civilized language, we should further establish the concept of paying attention to details in our work, impress customers with care, care and seriousness, impress customers with sincerity and patience, win customers with sincerity and sincerity, and further improve our social visibility.
3. Set up more ATMs to facilitate rural residents to deposit and withdraw money. In recent years, with the withdrawal and merger of basic service outlets of banks, a financial service vacuum has appeared in some places, which has brought inconvenience to rural residents' deposit and withdrawal. Therefore, it is necessary to make full use of the advantages of the bank's wide network coverage, comprehensively promote the harvest card (debit card and credit card) business, and let more rural residents have our harvest cards, so as to set up and put in more self-service equipment, facilitate rural residents' deposit and withdrawal, and win more favorable conditions for the bank to organize deposits.
4. Give play to the service role of the lobby manager and security guard of the business outlets. At present, our business outlets are basically equipped with lobby managers and security guards, and some daily service work should give full play to their role to help them complete. First, it is necessary to reasonably set up lobby managers of various business outlets and give full play to their role in serving customers. The lobby manager should be an employee with good business skills, serious work and good service attitude. The lobby manager is not only a business consulting office, but also plays the role of "consultant" and "guide" for customers in handling business, so that every customer is satisfied, economical, happy and satisfied. Whenever a customer enters the business hall, the lobby manager will provide necessary receipts and materials according to the needs of different customers, help customers how to fill in and use vouchers when necessary, help customers quickly and accurately, reduce the queuing time of customers and save valuable time for customers. At the same time, the lobby manager should publicize the new business and products launched by our bank according to the preferences of different customers, provide promotional materials, and introduce the product functions, scope of use and matters needing attention for customers to understand and accept. The second is to provide security personnel to serve customers. Security personnel should also know some basic daily business knowledge. Most of our business outlets are located in rural areas. Because some of many agency businesses are provided for the elderly, such as endowment insurance, land compensation, government subsidies and so on. Because most of them have a low education level and lack the ability to use passwords and signatures, some of them need the assistance of security personnel. At ordinary times, security personnel patrol business outlets, guide designated windows to handle business according to customer requirements, and shorten customer queuing time; In case of customers with large cash withdrawals, remind customers to pay attention to safety on the road and escort them outside the business hall. In a word, security personnel do a good job of assisting customers, which is conducive to letting every customer enter our business outlets and feel cordial, civilized, clean, comfortable and safe, so that customers will never forget when they come, thus becoming long-term customers.
Third, focus on multiple channels and tap the deposit business.
The work of organizing deposits is all-round, which cannot be completed by one person or several people. It depends on the weather, place and people.
1. Focus on key projects. With the promotion of urban-rural integration in our region, the expansion of the second phase of the airport, the late development of Xianghu Lake and the construction of several new expressways, a large number of foreign companies have flooded into our region, and excellent opportunities for deposit institutions such as house demolition and land acquisition compensation have emerged one after another. We should take advantage of this favorable opportunity to contact, negotiate, communicate and cooperate closely with relevant government departments in time. At the same time, make use of town and village broadcasting to publicize, take the initiative to mobilize the masses, make full use of existing business resources, seize the capital inflow port, and strive to keep deposits from flowing out and reduce the outflow.
2. Pay attention to key people. When organizing deposits, on the one hand, we should do a good job in counter service to attract customers, on the other hand, we should pay attention to mobile customers and find and pay attention to key groups such as big customers and gold customers. For example, bosses, real estate developers, self-employed individuals and large contractors operating construction projects in other places, we should take the initiative to visit these customers with deposit potential, understand the situation, contact feelings and mobilize deposits. If we don't succeed at first, we will do it twice or three times. "Sincerely open the door with one stone" will one day touch "God" and join the ranks of our depositors.
3. Give full play to the role of employees. Our bank has more than 1400 employees and should become a large-scale publicity team. Employees should be mobilized to introduce our business objectives, financial products, financial strength and credit for supporting agriculture to relatives and friends at ordinary times, so as to form an effective communication between relatives and friends and radiate to all levels of society, making it an invisible source of deposits for the Bank.