Decentralization of bank outlets
for your question, subtract the mean from each measurement.
managers' instilling of service concept, teaching of service skills, standardization of service behavior and assessment of service effectiveness determine the overall service level within their jurisdiction. At present, the role of grass-roots outlets and front-line staff should be positioned first. The overall function of outlets should be changed from accounting oriented to marketing service-oriented, and the counter staff should be changed from accounting oriented to marketing oriented. Both high counter staff and low counter staff should receive training in service skills and service skills, such as customer communication skills, relationship marketing skills, customer complaint handling skills, business etiquette, customer psychology, etc. 3、 Interest driven is the guarantee of providing the best service continuously. To enable employees to continuously create the best service for customers, the best way is to combine the realization of the bank's service value with the personal value of employees. Employees are also creating and realizing their own value in the process of creating service value for the bank. The employee's self-worth is mainly reflected in three aspects: first, the realization of his career ideal, his hard work and excellent results can become his continuous promotion step; The second is the realization of career reward, that is, material benefits closely linked with personal performance, work for money and service for value; The third is the recognition of professional value, which is praised by customers and affirmed by superiors. To make employees continuously provide the best service for customers, it is necessary to motivate employees to realize their own value in the process of providing service for customers. Only scientific and reasonable interest drive can play the role of rewarding the good and punishing the bad, rewarding the diligent and punishing the lazy, and truly improve the service level of banks. In the face of the ever-changing market and the diverse needs of customers, a large number of services can not be done only according to the operation process formulated by the head office, but rely on every employee to create. Only every employee in the bank can establish the concept of customer-centered, and combine the service with the optimization of various business processes and proct innovation New service measures, service tools, service means and methods will continue to be created by combining services with the completion of the annual comprehensive business plan. We will certainly be able to stand out in the competition.
1. Convenience marketing
some community outlets, aiming at the living needs of community residents, carry out various kinds of characteristic marketing work with "convenience" as the core. For example, Everbright Bank has set up a warm "financial convenience store" in Ningbo, with an area of less than 50 square meters, but with complete functions, and even some special services beyond the traditional large outlets
the network is equipped with 2-3 bank employees on ty, 365 days a year, open to 20:00 p.m. every day, the implementation of "off peak business", to solve the dilemma of most white-collar workers and banks working at the same time. In addition to the standard self-service equipment, the network also added children's play area, rest area, physical examination area and so on, providing additional blood pressure, free ing and other non-financial services for community residents
Chen Zhiyong, President of the branch, explained: "this is an attempt of our bank to transform the physical outlets of the bank from a simple banking service channel to a comprehensive service center dominated by all-round services."
2. Social media marketing
social media marketing refers to the effective marketing of network customers by using new social media. In the past, bank staff used to contact customers by telephone, SMS, and face-to-face with visiting customers. Nowadays, the customer flow of community bank is much less than that of general physical network. If the community network does not make a breakthrough in the way of getting customers, it will be eliminated by the situation faster
with the popularity of smart phones, SMS messages will only be concerned by the holders when they receive the verification codes of some operations. Customers are increasingly demanding privacy and a sense of distance. Therefore, the telephone is more suitable for contacting customers who have a certain emotional foundation, rather than obtaining a large number of unfamiliar customers
social media may be a good choice. WeChat and micro-blog are popular and popular social media. Micro-blog official account and WeChat official account are also the first choice for mass organizations to publish messages. p> Relationship marketing is another marketing way to practice the "customer-centered" service concept. Domestic community banks occupy a greater advantage in geographical location, especially the type of banks that focus on convenient services, it is easier to create customer contacts. With more opportunities to contact customers, banks can take the lead in marketing
when most banking outlets are transforming into service marketing, some are too radical and pay too much attention to the middle income of procts, while ignoring the life-long value management of customers. We often give financial managers some proct marketing skills, which are essentially "de marketing", that is, what financial managers should do for customers is to diagnose their financial health
we should really do a good job in professional asset allocation for customers, instead of simply completing our own business indicators, no matter who comes, we should sell precious metals and high-yield financial management to them. Only when we really solve problems for customers, can we gain customers' trust and win customers' loyalty. Enhancing the emotional connection with customers and growing together with customers is the way to survive
Cross border marketing, also known as the alliance of different instries, is to hold corresponding activities to do a good job of publicity and marketing through cooperation with the third party. We should integrate various resources to achieve mutual benefit and win-win results. In the traditional sense, the alliance of different instries is more about activities aimed at promoting procts and gaining customers in batchesat the same time, in cross-border marketing, banks can mainly focus on the public welfare brand value communication, cultivate the public's favor with the power of culture, make it out of business properly, and more easily obtain the public's trust
in recent years, the spring breeze of the national movement has been blowing all over the streets, and China's sports instry has become a sunrise instry with great potential under the support of policies. In May 2015, Instrial Bank participated in the preparation and service of the first Shanghai half marathon as "glorious sponsor" and "the only designated cooperative bank", with more than 300 volunteers from instrial bank providing full support
at the event site, instrial bank set up 12 gas stations with its brand image along the track. The volunteers dressed in uniform clothes were enthusiastic and the competitors cheered. Together, instrial bank is not only interested in the aggressive, optimistic attitude towards life and spiritual civilization it represents
because it is becoming a new trend of the whole people and the key to improve the quality of life of urban residents, its influence is growing exponentially. Therefore, with cross-border cooperation with "Shangma", instrial bank can not only convey its "people-oriented" brand value to the people of Shanghai, but also establish the "happy running group" to inject more fresh blood into "Shangma", so as to truly achieve mutual benefit and long-term development
The activity marketing here refers to the behavior that banks at the network level use their own resources to hold marketing activities alone, or cooperate with the third-party merchants around them to share resources, so as to achieve the direct purpose of acquiring customers, soliciting deposits and upgrading customer levelsuch marketing activities are usually linked with holidays, which is concive to arouse customers' interest, attract customers to participate in a large scale, and make the best use of limited resources
in the early stage of publicity, the outlets can make full use of online and offline channels, including SMS and wechat, website atmosphere building, telephone invitation of existing customers, and joint publicity of external expansion and surrounding merchants, so as to build a foundation for the active participation of later residents
In China, banks can be said to be everywhere. But have you noticed that some banks are branches and some branches. You always think that these two are the same. If you really think that way, it's a big mistake. I had a classmate who worked in a bank, and he worked in their local branches and branches, at that time, the president of a branch was called a branch president, and we all felt that the branch was at the same level as the branch. In fact, the branch was in charge of the branch. For each branch, the proct manager managed several small branches, which was also the difference between the branch and the branch
in the branch is generally muddle along, here whenever the proct manager assigned the task, as long as the task can be completed, now even the bank has begun to appear business performance pay, now the society is constantly changing, any East and West are involved in the interests, so only a down-to-earth work, there will be returns
According to the situation that can happen:
1, "robbery by masked gangsters outside the business premises of outlets" drill
2
3
4, "criminals follow into business premises to carry out robbery" drill
5, "criminals lurking in business outlets at night to carry out robbery with guns" drill
6, "primary fire accident disposal" drill
7, "earthquake disaster prevention" drill
8, "criminals use combustibles to carry out robbery" drill
9
the emergency plan management measures of the people's Bank of China are to standardize the formulation and management of the emergency plan of the people's Bank of China system, improve the comprehensive management level and emergency response ability, and do a good job in dealing with risks and emergencies, The measures are formulated in accordance with the law of the people's Republic of China on the people's Bank of China and other relevant laws, regulations and rules, and with reference to the guidelines for relevant departments and units of the State Council to formulate and revise the framework of emergency plans for emergencies issued by the general office of the State Council
in the process of administration or operation and management according to law, the people's Bank of China and its departments, branches, enterprises and institutions must formulate emergency plans for emergencies that may form one or more of the following risks:
(1) they are unable to normally, comprehensively and fully perform their legal ties or carry out normal proction, operation and management activities< (2) casualties< (3) large property losses or other people's large property losses for which the unit shall bear legal liability according to law< (4) harming the normal economic operation and financial stability of the regions above the county (city) level< (5) harming the public relations and image of the people's Bank of China and causing adverse social impact< br />
the key points of site selection survey include the survey of population, occupation and age level, the survey of infrastructure and competitive bank outlets, the survey of consumption habits and living habits around the bank outlets, the survey of floating population, and the survey of future development of business district
(1) family status
family status is the basic factor affecting consumer demand. Family characteristics include: population, income, etc. For example, the average income of each family and the distribution of family income will obviously affect the sales of bank outlets in the future. The increase of the average income of the family in the region will increase the demand of the family for the quantity, quality and grade of the purchased goods< (2) population density
the population density of an area can be determined by the number of people or households per square kilometer. The higher the population density is, the larger the scale of the site will be
(3) the number of potential customers
all people are consumers, and naturally they are customers of bank outlets. When choosing a store location, banks must know the total population, population density, population growth and population age structure
(4) the location of bank outlets is undeniably an important factor in the flow of passengers. However, the fate of these customers should also be a very worthy of study
(5) traffic geographical conditions
the traffic conditions near the bank outlets will greatly affect the quality of business, so the general outlets will consider the routes to and from work, especially the residential areas. There is an obvious gap between the time of going to work and the time of going to work, the people and the traffic flow on both sides. Almost 90% of the instries are suitable for driving on off-ty routes. The reason is very simple. Everyone is busy with their work ring working hours. Only when they get off work can they be free to engage in purchasing, catering and other consumer behaviors< (6) purchasing power
the consumption level of families and population is determined by their income level, so the income level of nearby population has a decisive impact on the geographical conditions of bank outlets
when choosing outlets, banks should give priority to those who are young and middle-aged customers, have higher social and economic status and have more disposable income< (7) degree of competition
If a bank operates procts with low selectivity and high purchasing frequency, and there are too many vicious competitions in the same instry in the same region, it is bound to affect the economic benefits of the bank. Unless the new bank outlets have special business style, ability or unusual commodity sources, it is difficult to succeed
(8) what's the change in eight years
the choice of Bank branch address should make clear the planning of urban construction, including both short-term planning and long-term planning. Some locations are the best from the current analysis, but with the transformation and development of the market, there will be new changes and not suitable for opening stores; On the contrary, some sites are not ideal at present, but from the perspective of planning prospects, they will become new business centers with development prospects. Therefore, bank operators must consider the long-term development and make the best choice on the premise of understanding the planning of transportation, streets, municipal administration, greening, public facilities, housing and other construction or renovation projects in the area.