1. Focus on unifying ideas to promote deposits

As we all know, the competition for deposit shares among urban financial institutions has always been very fierce. For a long time, due to historical reasons and the influence and constraints of various factors , our company's deposit work is relatively passive, the increase in deposits is relatively slow, and the market share of urban deposits is also low. Faced with the 44 million yuan deposit task issued by Qianjiang Rural Commercial Bank this year, some employees of Qianjiang Rural Commercial Bank have a greater fear of difficulties. Faced with the unfavorable situation, after gaining first-hand knowledge, the team members of Qianjiang Rural Commercial Bank quickly organized all Qianjiang Rural Commercial Bank employees to hold a "Zhuge Liang meeting" on deposit work to analyze the situation and unify their thinking. Through in-depth exchanges, Qianjiang Rural Commercial Bank reached a consensus It is believed that: First, in the face of fierce market competition, without steady growth in deposits, the survival of Qianjiang Rural Commercial Bank will be threatened. Second, in the face of the growing demand for personal loans, without steadily growing deposits, the development of Qianjiang Rural Commercial Bank's credit business will encounter bottlenecks. Third, in the face of the increasingly expanding intermediary business, without steadily growing deposits, the expansion of profit margins will be restricted. Fourth, in the face of the demand for an increase in the income of employees of Qianjiang Rural Commercial Bank, without steady growth in deposits, the pace of increase in employee income of Qianjiang Rural Commercial Bank will be hindered. After a high degree of unity of thought, Qianjiang Rural Commercial Bank believes that as long as Qianjiang Rural Commercial Bank fully leverages its advantages of familiar people, familiar land, and familiar situations, it will be able to build a wide network of attracting reserves; as long as Qianjiang Rural Commercial Bank fully uses the initiative of performance appraisal function, we will be able to fully mobilize the enthusiasm of all employees for deposits; as long as we give full play to the advantages of the female Qianjiang Rural Commercial Bank employees of Qianjiang Rural Commercial Bank who are "friendly, good at communication, careful and patient", we will definitely be able to compete in the fierce competition for deposits in urban areas. Take the initiative.

Second, rely on high-quality services to survive

Qianjiang Rural Commercial Bank is only a hundred meters away from China Construction Bank, Agricultural Bank of China, and Postal Savings. Faced with extremely fierce competition, Qianjiang Rural Commercial Bank is not the same Don’t rely on it, but unite and work hard to build a service brand. In terms of service, Qianjiang Rural Commercial Bank mainly achieves the "five good things":

First, the service environment is good. The business hall is spacious, bright and neat, with convenient facilities such as chairs, money counters, water dispensers, and shoe polishers. The good environment makes it easier for customers to handle business comfortably.

Second, the service image is good. In terms of appearance, we insist on dressing uniformly, wearing light make-up and hairstyle, and serving with a smile. In terms of internal image, Qianjiang Rural Commercial Bank focuses on listening to and understanding customers. Lobby manager He Qiong received an old man who had forgotten his password. After trying the password several times without getting it right, the old man became impatient: You changed my password, and you are responsible! At this time, He Qiong was calm and did not defend himself. He listened patiently to the old man venting his dissatisfaction. He poured a glass of water for the old man with a smile, took out paper and pen, communicated with him, analyzed and eliminated, and finally helped the old man remember the password and solved the problem. question. The enthusiastic service of Qianjiang Rural Commercial Bank made the old man relieved. He apologized repeatedly, saying that Qianjiang Rural Commercial Bank had a good service attitude and expressed that he would come to our company to handle business next time. The good service image has won our company a good reputation.

The third is good service management. All employees of Qianjiang Rural Commercial Bank of our company insist on arriving at work at 7:40 every day. In the morning meeting, they review the gains and losses in yesterday's work according to the "Quality and Civilized Service Manual", make arrangements for the new day's work, and plan for Qianjiang Rural Commercial Bank employees will be affirmed and praised for their good performance, and criticized and corrected for their shortcomings, so that every Qianjiang Rural Commercial Bank employee's work can be targeted.

Fourth is good service attitude. Qianjiang Rural Commercial Bank firmly establishes the service concept of "customer is God" and provides good service with heart. Huimeijia Supermarket has a lot of money and change. Every time I come to handle business, in order not to affect the teller's speed of handling business and improve the efficiency of the counter, Wang Sha, the accountant in charge, organizes specialists to clean up every time, and replace broken banknotes and change at any time. After a few times, Huimei's family was attracted by the enthusiasm and enthusiasm of our company. Impressed by the attentive service, he opened a deposit account with our company, with an account balance of more than 1 million yuan, and became a gold customer of our company.

Fifth, the service quality is good.

Whenever retired employees of Qianjiang Rural Commercial Bank receive their wages, the tellers handle more than 300 transactions a day. In order to prevent customers from queuing up, employees of Qianjiang Rural Commercial Bank practice hard on their skills and actively participate in various trainings to recharge their batteries and continuously improve their business. skills, handle business well and quickly, ensuring that each transaction does not take more than 2 minutes, and only provide depositors with convenient, fast, and high-quality services.

3. Linking borrowings and deposits to attract deposits

Based on the current business situation of our company, Qianjiang Rural Commercial Bank has determined the business idea of ??vigorously seeking local private enterprises as its main customers. After many inquiries, I learned that Qianjiang Daji Real Estate Company is a local real estate development company that is developing real estate opposite Meiyuan in the second phase of Caoyu Park. There is potential to be tapped, so I went to the company many times to do deposit-taking and strong public relations and marketing work. , At first, the company leaders rejected Qianjiang Rural Commercial Bank on the grounds that it was inconvenient to open a credit union account, but Qianjiang Rural Commercial Bank adopted the following working methods. The first is to "make up for shortcomings with diligence". As soon as I have spare time, I will run more errands and visit customers to understand their business dynamics; second, I will be more hands-on. Keep abreast of the latest customer information and understand customer needs; third, use your mouth more often. Frequently promote the credit union's business to the company's leaders to dispel customer concerns. Hard work paid off, and Qianjiang Rural Commercial Bank finally won the trust of the company's leaders and agreed to open an account with our company. In 2010, the company's annual average deposit balance was more than 15 million yuan. In addition, the company also used the funds to guarantee the issuance of loans pledged by Qianjiang Rural Commercial Bank of more than 3 million yuan, making it a "double-material" gold customer of our company's Qianjiang Rural Commercial Bank loans.

4. Accumulating deposits through hard work and maintenance

On every major holiday, Qianjiang Rural Commercial Bank will send blessing text messages to each customer; on customer birthdays, Qianjiang Rural Commercial Bank will promptly Give away exquisite small gifts; when customers have difficulties, Qianjiang Rural Commercial Bank will solve problems in a timely manner. By constantly communicating with customers and understanding their needs, we have not only maintained old customers, but also continuously explored potential new customers and expanded the deposit market. share. Gong Dali, an employee of our company's Qianjiang Rural Commercial Bank, was talking to a customer when handling business. He learned that the customer was going to attend an ordering meeting held in Qianjiang Hotel. As a member of the team of a rural commercial bank, I contacted the supplier in time and expressed my willingness to come and purchase the goods on the same day. The supplier was very happy after hearing this and immediately opened an account with our company. The company's payment for goods was as high as more than 2 million yuan in one day. In 2010, the company's annual average deposit balance reached more than 1 million yuan. Under the vigorous research and maintenance of Qianjiang Rural Commercial Bank, in 2010, our company added 46 new gold deposit customers, with a deposit balance of 10 million yuan.

5. Use performance appraisal to activate customers

Qianjiang Rural Commercial Bank gives full play to the leverage effect of performance appraisal, strengthens the marketing awareness of all employees, and mobilizes all employees to compete for deposits. When convening the all-staff meeting, each Qianjiang Rural Commercial Bank employee is first given a full-year deposit collection task and a monthly deposit collection plan, and the Qianjiang Rural Commercial Bank employees' completion progress of the deposit collection task is announced on a monthly basis. Regardless of internal and external support, wages are in line with The linkage of collecting and depositing, and the monthly assessment and cashing-in have greatly stimulated the work enthusiasm of the employees of Qianjiang Rural Commercial Bank and created a good atmosphere of chasing each other and rushing to be the first. Deputy Director Xiao Jiaozhong of our company took advantage of his popularity to bring all his relatives and friends to our company to open settlement accounts. He collected more than 7 million yuan in personal spare time savings throughout the year. After Chen Zhongxiang, an employee of Qianjiang Rural Commercial Bank, learned that there was a lot of idle funds in the Yangshi Economic and Management Station in the Agricultural Bank of China, he came to work many times and took the trouble to promote our company's convenient, thoughtful and enthusiastic services, and the door-to-door service under special circumstances. Finally, The person in charge of the station was moved and agreed to transfer the RMB 8 million time deposit from the Agricultural Bank of China to our company. In order to ensure the authenticity of the completion of tasks by all employees, the accountant in charge will register and collect accounts on a per-person basis, close accounts every ten days, and report every month. The implementation of the deposit assessment mechanism has widened the income gap among employees of Qianjiang Rural Commercial Bank. Some employees earn more than 4,000 yuan a month, while others only earn 800 yuan a month. In the face of fierce competition, the employees of Qianjiang Rural Commercial Bank have undergone profound changes in their thinking, and their mental outlook has taken on a new look. The work has changed from "I want to do it" to "I want to do it". The vitality and cohesion of our company have been strengthened. Through this move, amateurs The deposit amount reached 30 million yuan.

Over the past year, Qianjiang Rural Commercial Bank has deeply realized that deposits are not only the foundation of a society, but also the only way to realize large-scale operations of the whole society and drive overall improvement. In 2011, our company will take advantage of the listing of the Rural Commercial Bank to seize opportunities and meet challenges. All employees of Qianjiang Rural Commercial Bank of our company will continue to defy difficulties, seize the deposit market share, overcome obstacles in fierce competition, continue to strengthen our financial strength, and lay a solid foundation for our company's deposit work to reach a new level.