Rebirth of financial migrant workers

Chapter 24: Leveraging the 10 Billion Plate
After seeing off the elders, only Wang Chunliang and Sister Jun were left in the manager's office.

Wang Chunliang, who had not worked for a long time, was very tired at this time.

Seeing that the flow of customers in the lobby was gradually decreasing, he took a break from his busy schedule and collapsed on the sofa.

The scent of Miss Jun's perfume from her nap still lingers on the sofa. The scent of jasmine mixed with roses must be 'Miss Coco'.

Sister Jun poured a cup of herbal tea and handed it to Wang Chunliang.

"Do you think you can solve the customer disputes at the branch through these crooked ways?"

Wang Chunliang closed his eyes and replied:

"Treating the symptoms but not the root cause is at best a clever way to alleviate the immediate emergency situation."

Sister Jun was a little dissatisfied with his attitude and slapped Wang Chunliang on the thigh.

"Answer well!"

Wang Chunliang had no choice but to sit up straight, correct his attitude towards the leader, and explained seriously:

"The public's understanding of banks in our country has not yet changed. They still regard banks as government agencies, public institutions and even welfare institutions.

They think that banks should serve them unconditionally and without bottom line, which is definitely wrong.

Banks are essentially businesses, and the purpose of business operations is to make money.

Businesses such as counters are actually unprofitable or even loss-making. This is why banks are opening fewer and fewer counters.

Take overseas banks as an example. Their counter business mainly serves private banking customers. Traditional counter business has been replaced by electronic banking and self-service banking. "

"Speaking of human words! What can our branch do?"

"What we can do now is to increase the popularization and education of customers' knowledge, so that they can learn to handle business on mobile phones, computers and self-service machines, and let go of the counter. In addition, the head office has begun bidding to purchase self-service card issuance machines and mobile card issuance machines. This is a good thing, and we should get it as soon as possible no matter what."

Sister Jun asked again:

"This is just a problem of customers being dissatisfied with waiting due to the lack of service windows. Other similar issues such as lack of documents and lack of documents will cause dissatisfaction in handling business. Do you have any ideas?"

"I have a proposal to ask employees to collect more cases of customer fund losses due to neglect of account security, print them into leaflets, and place them in the lobby for customers to browse. Only they truly realize that complete documents and clear identities are to ensure the funds in their accounts. Only when it is safe will they actively cooperate with us.”

Sister Jun nodded:

"That's a good idea. I'll ask Xiao Liu to make it tonight. You can go out after a while. How unbecoming is it to stay in my office and laze around during working hours?"

When Wang Chunliang returned to full health and left the manager's office, Manager Liu happened to come back from visiting customers outside.

Sister Jun called him in and took out a pre-printed notice.

"Liu Xing, take a look at this. The retail department of the branch just issued it today."

After reading it at a glance, President Liu threw the notice to the ground angrily.

"Will this branch keep people alive? In the third quarter, the branch's savings deposit task increased by 30%. This is trying to kill me!"

After his anger was vented, he had to squat down to pick up the notification and check it again.

"Liu Xing, it's too early to scold me. There is something on the back of that notice. This time there is not only the end-of-quarter real savings deposit task for the third quarter, but also the daily average savings deposit task."

"Is there anything you can do?"

"The tasks are divided into people. It just so happens that there is a new person in the industry this year. Although the resume says that his parents are ordinary civil servants, maybe his uncle is a rich man."

After listening to this, Mr. Liu felt that he could do it again.

Yes, he is not alone in the branch.

There are a total of more than 5000 employees, each of whom is assigned a deposit task of several million. Isn't this 3000 million real growth and million daily growth accomplished?

I'm still too kind-hearted and can't bear to do the mission.

But that’s okay, who dares to object to the next mission once in a while?

The lenses of Mr. Liu's glasses reflected a ray of wisdom under the sunlight.

"Lijun, inform all employees of the bank that a regular meeting will be held tonight!"

The busy time passed quickly, and it was half past six in the evening in the blink of an eye. The entire business hall was dark and quiet.

The door to the president's office is tightly closed.

Security guard Yao Dayun, who had just finished his shift, thought all employees had gone home and was about to check whether the power supply in the president's office was turned off.

As soon as he opened the door, he was startled by the darkness of heads.

All the twenty-two people in the room frowned, and no one spoke.

These people are all employees of Sanlimiao Branch.

More than ten minutes ago, the president called everyone to a meeting, and first briefly welcomed Wang Chunliang, who was new to the industry.

Then the president went straight to the point and assigned everyone's deposit tasks.

The employees cried out, but only received a ruthless reprimand from the president.

In the end, everyone became silent and protested silently.

Wang Chunliang also has a temper.

As a new employee, on my first day in the industry, the president assigned me a task of 1000 million real savings deposits and 600 million daily average deposits.

After assigning the task, President Liu even repeatedly hinted to him that as long as he had many relatives and friends at home, he would not be afraid of the deposit task.

Of course Wang Chunliang knows that assigning tasks to employees is actually assigning tasks to employees' families.

Why are account managers in the three major industries of banking, securities, and insurance collectively called financial migrant workers?

It's because every month and every quarter, they have to ask relatives and friends for deposits, investments, and insurance.

It doesn't matter if you do it once or twice, but if you do it more often, you will look down on yourself, feel inferior to others when you meet your relatives, and eventually become a financial migrant worker that the whole family hates.

So Wang Chunliang refused without thinking, causing Mr. Liu to look at him angrily.

However, the president's anger was quickly calmed down by Wang Chunliang's words.

"Isn't it just 5000 million real points and 3000 million daily average? The daily average may be a bit difficult, but I have a way to complete the real point task."

After hearing such a heroic answer, the expressions of other people present varied, but they could basically be divided into three categories: skeptical, gloating and extremely jealous.

Wang Chunliang didn't care at all.

I don't have any ambitions in the branch, so I don't care about the psychological development of these people.

The reason why he took the initiative to take over the task was, on the one hand, to verify whether the method was effective after rebirth, and on the other hand, to make a name for himself as soon as possible and achieve career advancement.

President Liu drove everyone out, leaving only Wang Chunliang and Wang Lijun.

He sucked Huazi fiercely in the room uneasily, and finally couldn't help but ask:

"Chunliang, are you kidding?"

Wang Chunliang shook his head.

"Do you have rich relatives in your family?"

Wang Chunliang shook his head again.

"Then are you kidding me?"

Seeing that Mr. Liu's temper was getting a little tense, Sister Jun immediately interrupted and said:

"Chunliang, if you have any ideas, please explain to us first."

"Liu Xing, Sister Jun. There are fruit wholesale markets and mobile phone stores such as Tianhe, Wuxing, and Jiuhuan near our bank. Do you know the scale of deposits that can be derived from these places?"

"The branch has done market research and found that it is about 15-18 billion, but these deposits are basically divided by Workers' Bank, Huaguo Bank and Huitong Bank."

"But do you know that 60% of these are free deposits where the depositor has not established a credit relationship with the bank? And I have a way to leverage this nearly 10 billion plate!"

(End of this chapter)