In order to further improve the effectiveness of retail loan marketing, promote and copy the Zhejiang experience of "everyone can lend", consolidate the expansion of customer base, and firmly transform into small and scattered retail loans, Zhangdian Rural Commercial Bank has worked together and actively promoted the implementation of the "everyone can lend" project.
With the help of training power, improve management efficiency
The bank held a launch meeting of the "Inclusive Finance·Everyone Can Loan·Batch Marketing" project and a training meeting for improving management efficiency. Mr. Zhu Hua from Hongqiao Education Information Consulting Co., Ltd. trained all team members, middle-level deputy staff and all account managers from the two aspects of target performance management and process control of middle-level managers, account manager operation process and behavior management.
In addition, the bank also held a business promotion meeting for "Everyone Can Loan" and the project team teacher interpreted and analyzed and reported on the progress of our bank's "Everyone Can Loan" project and related methods for improving management efficiency. Analyze and summarize the "pain points", "difficulty points" and "skeptical points" problems at this stage to provide good problem-solving ideas for the development of "everyone can lend" business in the next stage.
formulates an implementation plan to ensure orderly development
In order to ensure the real implementation of the "Everyone Can Loan" project and promote business development and transformation, Zhangdian Rural Commercial Bank formulates the "Implementation Plan for the "Inclusive Finance·Everyone Can Loan·Batch Marketing" Special Competition" and the "Zhangdian Rural Commercial Bank's "Inclusive Finance·Everyone Can Loan·Batch Marketing" Daily Behavior Management Measures for the Retail Business of Zhangdian Rural Commercial Bank's "Inclusive Finance·Everyone Can Loan·Batch Marketing" Project", and established a special competition activity leading group, with the chairman as the group leader, other team members as deputy group leaders, and the heads of each department are members, and all departments and branches actively participate and cooperate closely to ensure the orderly development of the activities.
Zhangdian Rural Commercial Bank establishes a work plan mechanism and guidance report. The project team teachers are divided into groups and divided into division of labor to the branch to formulate the "People can lend to management efficiency improvement project team work plan", clarify the work content, collaborative personnel, and participants, and invite the bank leadership team and the managers of the office to participate and guide the work. After the tutoring is completed, the tutoring report will be prepared on the same day, and the branch guidance work will be summarized and submitted to the bank leadership team for review.
revised the loan product, and strived to increase households and expand the area
In order to solidly promote the development of the "Inclusive Finance·Everyone Can Loan·Batch Marketing" project, and strive to increase households and expand the area under the premise of relatively controllable risks, Zhangdian Rural Commercial Bank has formulated five "Jinxiang" series of small-credit loan products, including "Jinling·Youxiang" public office reserve fund, "Jinsheng·Exclusive" business reserve fund, "Jinnong·Huixiang" residents' reserve fund, "Jinxiang·Elite" youth reserve fund, and "Jinxiang·Youyuan" Youth Reserve Fund, and revised and regulated existing small-credit loan products. On the basis of conducting sufficient quota calculation and guiding customer experience, we will comprehensively promote credit loan marketing for various customer groups, and strive to increase the number of households and expand the scope.
do a good job in process control and ensure implementation effect
fully mobilizes the marketing enthusiasm of all employees through awards such as "individual competition marketing reward", "branch competition marketing reward", "day champion award", "month champion award", "market elite award", and "management elite award", and at the same time, fines are deducted to the branches and individuals with low rankings. In terms of process control, the presidents of each branch have done a good job in the daily management of the branch, formulated daily work plans, and clarified the main customers, publicity time, personnel location and visits that are mainly expanded every day. They use morning meetings and evening meetings to analyze and summarize the progress of the task goal, the work situation on the same day, and the subsequent work arrangements. The leadership team of Zhangdian Rural Commercial Bank headquarters assisted the branch to carry out marketing work with each department.
The bank does a good job in external development publicity and focuses on channel construction. Each branch takes precise visits to high-quality customers + one-to-many concentrated publicity as the main channel construction goal. In the process of precise marketing and one-to-many concentrated publicity of high-quality customers, marketing activities are not limited to financial knowledge lectures, bank-enterprise matching meetings, and bank-business symposiums. After each event is held, relevant summary materials are included, including event process photos, event results and follow-up arrangements.
On the basis of implementing the "half-day visit system", the bank allows account managers to focus more on customer docking marketing.Urban branches actively join the WeChat groups of nearby business districts and WeChat groups of residents' property management, and township branches actively join the local government, village groups, grid WeChat groups, and publish product information, activities and other discounts through WeChat Moments, so that the people can better understand Zhangdian Rural Commercial Bank products, stick to the goal of effectively expanding the basic credit customers, and actively carry out business marketing. (Wang Zixuan and Li Kang)
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