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Strengthening the decentralization of banking outlets

Publish: 2021-04-13 13:10:48
1.

China's blockchain instry is still in its infancy, but with the continuous support of national policies, the continuous progress of instry technology and the increasing demand for downstream applications, China's blockchain instry is expected to continue to maintain rapid growth. IDC predicts that the overall expenditure scale of China's blockchain market will reach US $2.28 billion in 2024, with a compound annual growth of 51%

according to the data released by CCID, since 2016, large it Internet enterprises have been laying out blockchains, start-ups have entered the blowout mode, the frequency and amount of investment and financing have increased dramatically, and the instrial scale has been expanding. As of December 2019, there are 1006 blockchain enterprises providing blockchain professional technical support, procts, solutions and other services with input or output



in October 2019, the blockchain officially rose to the national strategic height; In April 2020, the national development and Reform Commission listed "blockchain" in the scope of new infrastructure for the first time, making it clear that it belongs to the new technology infrastructure of the information infrastructure part of the new infrastructure. This brings opportunities to the blockchain market, which is facing a severe test under the impact of the epidemic, and also gives impetus to the further development of blockchain in technology development and instry application

- for more data and analysis, please refer to the analysis report on market outlook and investment strategic planning of China's blockchain instry of foresight Instry Research Institute

2.

1. Handle the business of deposit and withdrawal and interest calculation, including inputting computer account, printing voucher, passbook, certificate of deposit, cash receipt and payment, etc

2. Handle the receiving and keeping of cash for business, and register the register of teller's cash

3. Handle the collection and safekeeping of important blank vouchers and valuable documents such as certificate of deposit and passbook for business use, and register important blank vouchers and valuable documents

4. In charge of all kinds of business seals and personal seals at the counter

5. Handle the counter account rolling, print the bill rolling, clear up and check the cash on hand, important blank vouchers and valuable documents, and use the seal for receiving and checking business

extended data

salary:

the salary of bank tellers basically includes three parts: basic salary + performance salary (or bonus) + business commission. The basic salary of each bank is usually between 4000 yuan and 6000 yuan, and each person will get different salary because of their technical level, length of service, ecational background, etc

Sales promotion ability is the most important factor to increase the income of tellers. If tellers want to increase their income, they must improve themselves from the aspects of service level, speed and accuracy of handling business, sales ability, etc., and get more "Commission"

source: network teller

3. Interviewers, 1. First of all, the person in charge of the office releases change information in major newspapers and other media to let more customers know the change point. 2. The office staff adapt to the changing place and try not to affect the current division of work. Some treasure's "foreign wharf Dongdong baby" has the bank's written examination and interview review materials and the real questions over the years for sale, the instry conscience, sincerely recommend! Because I met them last year and successfully entered the Bank of my heart!
4. First, improve the service attitude

the second is to improve the business level< The third is to improve the internal quality and accomplishment< The fourth is to improve the guidance service
fifthly, opening agent business.
5.

Take Jinan Yinhe branch of ABC as an example

in the bright business hall of Jinan Yinhe sub branch, customer guidance area, intelligent service area, precious metal proct display area, cash and non cash service area, VIP service area and other areas are set up respectively to effectively divert all kinds of customers. Customers in the hall leisurely brush micro blog, read news, drink coffee, according to the order of business, the whole business hall in good order

the intelligent robots in the hall and the ATM machines in the self-service area that can deposit and withdraw money only by scanning the face attract most customers to stop and experience. After renovation, Jinan Yinhe sub branch highlights the following three characteristics in terms of "wisdom":

first, the "wisdom" channel access. By making full use of the open, interconnected and intelligent characteristics of information technology, it has realized the efficient collaboration between various electronic channels such as online banking and palm banking, as well as between electronic channels and physical outlets, and provided customers with "one-stop" financial services of "anytime, anywhere, one-point trigger, multi-point docking, and whole process collaboration"

the second is "intelligent" customer experience. From "proct centered" to "customer-centered", intelligent devices such as intelligent guide desk, interactive coffee table and mobile phone on the same screen respect customers' independent choice, improve the technology, intelligence and information added value of proct service, and create a new customer experience

The third is "intelligent" customer management. Based on the application of cloud computing processing technology, face recognition system mines and analyzes massive customer information and transaction data, and has keen insight into customer behavior patterns, consumption concepts and risk information, so as to provide basis for the implementation of accurate customer marketing, proct customization and risk management

extended information:

in the face of the trend of intelligent service instry in the future, Shandong Branch of Agricultural Bank of China continues to deepen the operation transformation of outlets, and carries out the transformation of "intelligent service" to traditional outlets. The service mode of outlets is transformed and upgraded from "counter centered" to "customer-centered". Customers can handle personal business independently, make online appointment and queue up Internet pre filling form, self-service card issuing, etc

at the same time, we should keep up with the upgrading pace of customers' demand for financial services, make full use of financial technology, give full play to the power of financial technology, take the initiative to transform, speed up the construction of smart banking service mode, effectively rece the threshold and cost of financial services, improve financial coverage and availability, practice the concept of Inclusive Finance, and realize their own sustainable development

source of reference materials: People's website - another smart Bank of ABC appears in Quancheng

6. , outline, help you
7. 1、 Implement policies, abide by laws and disciplines, adhere to the system, honest and upright. 2. Dedication, loyalty, respect for customers, abide by the credibility. 3. Adhere to principles, study business, be civilized and polite, protect the safety of bank property and safeguard the legitimate rights and interests of customers. 2、 The service attitude is standard. 1. The reception of customers should be active, warm, patient and considerate. They should greet customers, answer questions and send them away. The service should be smiling. 2. Be patient and meticulous in solving problems for customers, and take the initiative to introce them to the information desk when the business is busy. Do not quarrel with customers when there are conflicts on the counter, and persuade them patiently. When being wronged, we should take the overall situation into consideration and be reasonable. 3. Take the initiative to help the customers with special needs, and give special care to the customers with large amount of deposits and withdrawals as well as the old, weak, sick, disabled and pregnant customers. 4. Reception of customers should be "five same": the same enthusiasm for deposit and withdrawal, the same welcome for amount, the same acceptance for main currency and subsidiary currency, the same seriousness in busy and idle time, and the same enthusiasm for strangers and acquaintances. 5. When listening to customers' criticisms and suggestions, be sincere, actively correct, and apologize or thank customers. 6. In case of power failure or machine failure, explain to the customer clearly and put a notice board to get the customer's understanding. 3、 Service instrument specification 1. The employees work in uniform. 2. The appearance is dignified and natural. Female workers can wear light makeup instead of heavy makeup; Male workers don't have beards and weird hairstyles. 3. Sit upright, behave civilized, energetic, concentrate, work without emotion or after drinking. 4. During working hours, you should wear the work number plate uniformly made and issued by the head office on the left upper chest of the clothing to facilitate customer supervision. 4、 Service language specification 1. The general requirements of service language are to use standard language, treat people with sincerity, have a gentle tone, friendly language, and use Putonghua to receive customers. For different customers, it is necessary to address them appropriately, speak appropriately, and have a clear meaning. 2. Get used to the "cross" of civilized service: "please, Hello, sorry, thank you, goodbye". 3. Pay attention to the use of civilized and standardized language in daily work, and do not use the forbidden language of service. 5、 Service quality specification 1. Strictly implement the operating proceres, handle business accurately, fast, high quality, efficient, adhere to the principle of clear point, clear delivery, clear pen. 2. The words and figures of bookkeeping and recording should be complete and standardized, the seal should be neat and correct, and the printed deposit receipt (passbook) should be put in place and clear, so as to ensure that the account, passbook, account, account evidence, account fact and account table are completely consistent. 3. Don't throw or drop the deposit receipt (passbook) cash, hand it to the customer, and ask the customer to keep it and pay attention to safety. 4. Strict operation proceres, rece errors, achieve double temporary counter, double review, money account in charge, seal Certificate in charge, account review, money re counting, operation finalization, transfer alignment, machine positioning, banknote fixing, personnel responsibility. 5. When handling business, we should stick to the principle of "outside before inside", try our best to rece the waiting time of customers, and achieve "five initiatives": customers should wipe their seals after using them; If the customer has an emergency, he / she should take the initiative to ask other customers for advice and handle it in advance; Take the initiative to return the goods left by customers; When paying, take the initiative to match the tickets to customers; The customer's deposit receipt (passbook) should be pasted or replaced if it is damaged. 6. When checking the wrong account, we should insist on the principle of "inside first, then outside", and then reply to the customer after the internal investigation. 7. Strengthen the anti-counterfeiting ability of RMB and foreign currency, and strictly block the inflow and outflow of counterfeit banknotes. 8. When accepting business, the teller should carefully review the authenticity, legitimacy and integrity of the voucher, and prevent invalid voucher and defective voucher from entering the accounting process. 9. The temporary counter staff should carefully check whether the account number and account name of the voucher are consistent, and eliminate cross account bookkeeping. 10. The quality of the bills and documents issued to the outside must be guaranteed to prevent the funds from entering the account in time e to mistakes and omissions. 11. Strictly abide by the external business hours. All vouchers accepted ring the business hours must be handled in time and shall not be delayed for any reason. 6、 Service skills specification 1. Study hard, study business, and constantly improve business quality and efficiency. 2. Be proficient in the business skills of the position, be able to handle all the business of the bank independently, and answer all kinds of business questions raised by customers skillfully and accurately. 3. New employees must go through the professional training of relevant departments before taking up their posts, and can only take up their posts after reaching the post skill standard.
8. The initial public offering of Agricultural Bank of China (ABC) is in hot progress, and investors are very enthusiastic about it. During this period, the topic about the outlets of ABC has once again become one of the focuses of people's attention, because it is related to the future investment value of ABC, so it is necessary to carefully consider it.
9. Some of them have few service windows, but many people go there. The best way is to open more service windows. Many outlets usually have four or five windows, but there are only two or three with staff. Some of them have no staff, so they should be opened when there are many people. Some of them can guide users to self-service tellers, Some businesses that can be handled by online banking or mobile banking can be publicized to let customers know that they can handle them by online banking or mobile banking
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