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Why is blockchain called
Publish: 2021-05-07 14:22:06
1. 1 Strengthen the leadership of improving service quality
in the current competitive situation where there is little proct difference among banks, leaders at all levels must consider improving service quality at the strategic level and take improving service quality as the overall basic work. Adhere to the scientific development concept of "people-oriented", attach importance to the cultivation and improvement of people's quality, study the market rules and customer needs, and apply scientific and technological means to implement high-quality service in every link of the bank's work. We should take the improvement of service quality as an important competitive means, and pay attention to both performance and service< (2) to increase the motivation of employees
the theory of motivation tells us that motivation is to improve the work enthusiasm of employees and guide their behavior in enterprise management by influencing the realization of their personal needs. First, establish and implement the job rotation mechanism, make career planning according to the staff's specialty, interest, ability and personality, provide a rising channel, make the post match the energy level and quality of the staff, rece the waste of human resources, make the best use of the talents, and enable the staff to improve the service quality with hope and spontaneity, Finally achieve the goal of win-win development of employees and enterprises. Second, improve the performance appraisal methods. On the one hand, take the improvement of service quality as an important evaluation index, and bring it into the income distribution to encourage employees to compare, learn, catch up and surpass; On the other hand, establish the concept of full service, the front-line staff of the bank is to serve customers, and the service object of back office staff and departments is the front-line staff. According to the 360 degree performance appraisal theory, the front-line staff should be given the right to speak in the appraisal of back office staff and departments
(3) scientifically plan counter business
first, strengthen and guide customers to use self-service equipment to rece the workload of traditional counter business. The author found that the main business of queuing customers is deposit and withdrawal, payment, transfer and so on; These businesses can be handled on self-service equipment. On the basis of improving the function of self-service equipment, we should strengthen the guidance of self-service equipment through various channels. For example, the hall manager and the hall guide take the initiative to introce the functions of self-service equipment to customers, publicize the safety and reliability of self-service equipment, guide customers to use self-service equipment, and divert customers in line; Set up "business guide board" in the business hall to remind customers to use self-service equipment to handle deposit and withdrawal, one card payment, transfer business, etc., cultivate customers' awareness of using self-service equipment, and establish the brand image of self-service equipment business
the second is to vigorously promote online banking. At present, customers don't use online banking mainly because they don't know enough about the functions of online banking, and they lack experience, security and identity in the use of online banking. It is particularly important to do a good job in the follow-up service of online banking promotion and help customers solve various problems in the process of installation and use
the third is to implement the integrated teller system in the outlets that accept more business. Through the integration of accounting, cashier, savings business and process, and the adjustment of the post division of counter staff, the service quality and efficiency can be improved to a certain extent< (4) expanding the scope of service training
the uneven ecational level, comprehensive quality and professional level of banking service personnel will inevitably lead to large differences in service efficiency. For banks, the difference between the fast and slow business of the counter staff is 2 times that of Kwai TSE. However, most of the bank service training stays at the level of etiquette training, and the training content only involves appearance, polite language and so on. The author thinks that service training should also include professional ethics, laws and regulations, marketing, business skills, business system, teamwork and self motivation. From the perspective of the scope of training objects, the object of service training is only the counter staff, and I think the lobby manager should also be included. In dealing with disputes between customers and banks, the lobby manager plays an important role in assisting counter staff in compliance operation and coordinating contradictions between both sides. Therefore, the bank should bring the lobby manager into the training object category of business system and accounting standards.
in the current competitive situation where there is little proct difference among banks, leaders at all levels must consider improving service quality at the strategic level and take improving service quality as the overall basic work. Adhere to the scientific development concept of "people-oriented", attach importance to the cultivation and improvement of people's quality, study the market rules and customer needs, and apply scientific and technological means to implement high-quality service in every link of the bank's work. We should take the improvement of service quality as an important competitive means, and pay attention to both performance and service< (2) to increase the motivation of employees
the theory of motivation tells us that motivation is to improve the work enthusiasm of employees and guide their behavior in enterprise management by influencing the realization of their personal needs. First, establish and implement the job rotation mechanism, make career planning according to the staff's specialty, interest, ability and personality, provide a rising channel, make the post match the energy level and quality of the staff, rece the waste of human resources, make the best use of the talents, and enable the staff to improve the service quality with hope and spontaneity, Finally achieve the goal of win-win development of employees and enterprises. Second, improve the performance appraisal methods. On the one hand, take the improvement of service quality as an important evaluation index, and bring it into the income distribution to encourage employees to compare, learn, catch up and surpass; On the other hand, establish the concept of full service, the front-line staff of the bank is to serve customers, and the service object of back office staff and departments is the front-line staff. According to the 360 degree performance appraisal theory, the front-line staff should be given the right to speak in the appraisal of back office staff and departments
(3) scientifically plan counter business
first, strengthen and guide customers to use self-service equipment to rece the workload of traditional counter business. The author found that the main business of queuing customers is deposit and withdrawal, payment, transfer and so on; These businesses can be handled on self-service equipment. On the basis of improving the function of self-service equipment, we should strengthen the guidance of self-service equipment through various channels. For example, the hall manager and the hall guide take the initiative to introce the functions of self-service equipment to customers, publicize the safety and reliability of self-service equipment, guide customers to use self-service equipment, and divert customers in line; Set up "business guide board" in the business hall to remind customers to use self-service equipment to handle deposit and withdrawal, one card payment, transfer business, etc., cultivate customers' awareness of using self-service equipment, and establish the brand image of self-service equipment business
the second is to vigorously promote online banking. At present, customers don't use online banking mainly because they don't know enough about the functions of online banking, and they lack experience, security and identity in the use of online banking. It is particularly important to do a good job in the follow-up service of online banking promotion and help customers solve various problems in the process of installation and use
the third is to implement the integrated teller system in the outlets that accept more business. Through the integration of accounting, cashier, savings business and process, and the adjustment of the post division of counter staff, the service quality and efficiency can be improved to a certain extent< (4) expanding the scope of service training
the uneven ecational level, comprehensive quality and professional level of banking service personnel will inevitably lead to large differences in service efficiency. For banks, the difference between the fast and slow business of the counter staff is 2 times that of Kwai TSE. However, most of the bank service training stays at the level of etiquette training, and the training content only involves appearance, polite language and so on. The author thinks that service training should also include professional ethics, laws and regulations, marketing, business skills, business system, teamwork and self motivation. From the perspective of the scope of training objects, the object of service training is only the counter staff, and I think the lobby manager should also be included. In dealing with disputes between customers and banks, the lobby manager plays an important role in assisting counter staff in compliance operation and coordinating contradictions between both sides. Therefore, the bank should bring the lobby manager into the training object category of business system and accounting standards.
2. Take 3M for example
in many cases, under the guise of charity and helping others, you are asked to deposit a sum of money first, with 1% interest every day, automatically withdraw one month, even with 30% windfall profits. Normal people know that this is not normal, because there is no instry that can make 30% profit every month. Where does the interest come from? The answer is that the new entrants will give you the money they have saved. Whether they can earn 30% in a month depends on whether there are new entrants to pick up their disks
under the stimulation of huge profits, all the people who join MMM are charging money like poisoning. At the same time, they try their best to persuade their relatives and friends to join in, because the recommender can get extra benefits by joining. This is also the common feature of all MLM organizations. They must have fresh blood to join, otherwise they can't play
since the monthly interest rate is 30%, we can accurately calculate the growth rate of this scam. After 12 months, the total scale will grow by 23 times, after 18 months, the scale will grow by 112 times, and after 2 years, the scale will grow by 542 times. Once the new capital can not meet 30% in any month, it will collapse< However, mavroji, the founder of MMM in Russia, is not a mathematician at all. He played this trick in Russia in 1990, and millions of people lost money when it collapsed. Therefore, he was arrested by the Russian government and sentenced to four and a half years' imprisonment
it can be simply compared to
water ghost mode
people who are ghosts have to find a ghost to replace them. So I will try my best to tell you that he is very moistening in the water, so I can pull a few people down to die and then I can leave.
I hope you can adopt my personal opinion
in many cases, under the guise of charity and helping others, you are asked to deposit a sum of money first, with 1% interest every day, automatically withdraw one month, even with 30% windfall profits. Normal people know that this is not normal, because there is no instry that can make 30% profit every month. Where does the interest come from? The answer is that the new entrants will give you the money they have saved. Whether they can earn 30% in a month depends on whether there are new entrants to pick up their disks
under the stimulation of huge profits, all the people who join MMM are charging money like poisoning. At the same time, they try their best to persuade their relatives and friends to join in, because the recommender can get extra benefits by joining. This is also the common feature of all MLM organizations. They must have fresh blood to join, otherwise they can't play
since the monthly interest rate is 30%, we can accurately calculate the growth rate of this scam. After 12 months, the total scale will grow by 23 times, after 18 months, the scale will grow by 112 times, and after 2 years, the scale will grow by 542 times. Once the new capital can not meet 30% in any month, it will collapse< However, mavroji, the founder of MMM in Russia, is not a mathematician at all. He played this trick in Russia in 1990, and millions of people lost money when it collapsed. Therefore, he was arrested by the Russian government and sentenced to four and a half years' imprisonment
it can be simply compared to
water ghost mode
people who are ghosts have to find a ghost to replace them. So I will try my best to tell you that he is very moistening in the water, so I can pull a few people down to die and then I can leave.
I hope you can adopt my personal opinion
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