On the fifteenth day of the first lunar month, the Lantern Festival is over, the atmosphere of the Spring Festival is completely gone, and people have started the busy new year.

The business of Taiping Sub-branch has returned to the normal track. The interns sent by the head office also ended their vacation internships, and the telemarketing strategy was completely replaced by SMS marketing.

At the same time, Ding Le made local adjustments to the division of labor and grouping of the sub-branch account managers. Meng Yang was responsible for taking over the customers maintained by Wu Kewei, and after Ding Le served as the person in charge of the sub-branch, the original customers at hand were handed over to Zhang Maosheng and Fei Yang for maintenance. In addition, Ding Le readjusted the account manager according to the AB post, Zhang Maosheng and Fei Yang in one group, Zhu Guang and Meng Yang in one group, forming a pattern of bringing the old with the new.

At present, the deposit work of Taiping Sub-branch has opened up the situation and entered a benign growth channel. Now is the time to make a push for loans. Therefore, Ding Le asked everyone to adjust their work status as soon as possible, most of their energy was focused on organizing deposits before the year, and they should focus on loan marketing after the year.

Ding Le wrote a 4,000-word report on his idea of early credit extension combined with the specific data of the Taiping Branch, and then went to the Credit Management Department of the head office with the materials for specific communication.

During the Spring Festival, Ding Le wanted to go to his home to pay New Year's greetings and thank him for his care for himself, but Yu Jiankang took his wife and daughter to Sanya for the New Year.

Ding Le reported the idea of early credit to Yu Jiankang in detail, and Yu Jiankang recognized it after listening to it, and felt that this model could be promoted throughout the bank.

The credit management department of the head office is responsible for the credit approval of the whole bank's loans, and Ding Le's idea must first pass the credit management department if he wants to realize it.

Ding Le and Ma Jun, general manager of the credit management department, are also old acquaintances, and when new employees were inducted, Ma Jun had conducted business training for newcomers, and Ding Le met him at that time.

Ding Le found Ma Jun and reported on the mismatch between the project operation cycle and the loan cycle of the Taiping sub-branch's customers, and proposed specific solutions to this problem.

After listening to it, Ma Jun looked at the materials written by Ding Le and fell into deep thought. After a while, he said to Ding Le: "Your response to this question is very timely, and the plan you put forward is also targeted, but ......"

Although Ma Jun recognized Ding Le's ideas and plans, he did not give a reply on the spot. He needs to ask Chen Hui, the vice president in charge, for instructions before he can make a final decision.

Ding Le was not surprised that he did not receive an immediate reply, and he did not expect a single report to solve all problems. After listening to Ma Jun's words, Ding Le said quietly: "In this case, my materials will be placed here by Mr. Ma first, and please inform me in time when you wait for the news, after all, it is a good start competition, and you can't afford to wait." ”

From the perspective of Taiping Sub-branch, the relationship manager has already started to investigate the customers who do not match the deadline, and as long as the head office agrees, they can organize the customer materials to be reported at any time.

From the level of the head office, it is not difficult to achieve credit in advance, and it is only necessary to fully implement the existing credit management measures and do a good job of workload in advance.

The next day, Ma Jun called Ding Le: "I reported to Chen Xing about the affairs of your Taiping Branch, Chen Xing agreed in principle with the operation mode you proposed, and he also proposed that your branch should do the pilot first, if the effect is good, this model will be promoted and applied in the whole bank, which is both an encouragement and a requirement for you! I think this is also a test for you, after all, you are still young, for those loans approved by your branch, you must be extra cautious, and you must pay attention to preventing risks!"

After Ding Le heard this, he was secretly happy, since the head office agreed, then they could let go of their hands and feet. As for the pilot, Ding Le didn't have much pressure, he was willing to be the first to eat crabs. In later generations, in 2016, in order to support the development of the real economy such as small and micro enterprises, the state encouraged financial institutions to increase the innovation of small and micro enterprise loans.

Ding Le conveyed the news of the agreement of the head office to the account managers in a timely manner, and asked everyone to hurry up and submit the loan materials prepared in the early stage to the branch meeting. At the same time, he also asked the account manager to widely promote the concept of early credit to customers.

Wang Baoshu is a farmer in Huaishu Village, Taiping Town, he worked in Rongcheng in his early years, and after working in a Taiwan-funded factory for a few years, he returned to his hometown to start a business.

After returning to his hometown, Wang Baoshu used the money he earned from working outside to start pig breeding, and he made a lot of money in the first two years when the price of pork was good. Last year, he expanded his business and applied for a loan of 300,000 yuan from the Taiping branch to build a pig house and buy pig seedlings.

This year is the first year after the expansion, pork prices are firm, after the pigs are slaughtered before the Spring Festival, the funds have been returned, he has settled the accounts, and it is a bumper harvest year, but he is not happy.

His loan is about to expire, and the funds returned to the cage are enough to repay the loan, but it takes about half a month to re-loan after the loan is repaid, which is just a good time to buy pig seedlings, and half a month late will delay the breeding of pigs in the next year.

He discussed with his wife, in order not to affect the purchase of pig seedlings, after the loan was repaid, he really couldn't find those loan sharks to borrow some emergency.

Just when he was in a dilemma, Ding Le came to his home with Zhang Maosheng and Fei Yang.

Wang Baoshu is a customer that Zhang Maosheng is responsible for maintaining, and Zhang Maosheng met him and said: "I heard that you are selling very good pigs this year, why are you sad?"

Wang Baoshu told the three of them the truth, and Zhang Maosheng said with a smile after hearing this: "Lao Wang, we are here to send you money!" So the three of them publicized the latest loan policy of the Taiping Branch to Wang Baoshu.

After understanding the situation, Wang Baoshu was very happy, he took Ding Le's hand and said: "You came to the door in a timely manner, the loan was repaid, and the loan could be taken out again the next day, without delaying me to buy pig seedlings!"

Subsequently, Ding Le and the three followed Wang Baoshu to his pig farm to see the spot, the pig house was cleaned very clean, Wang Baoshu led the three people to visit while introducing: "After the pigs were slaughtered before the Spring Festival, I found someone to clean up the pig house, and waited for the funds to be in place to buy pig seedlings. ”

Through the field investigation of the pig farm, the understanding of the operation of the previous year, and the confirmation of Wang Baoshu's wife, Wang Baoshu's operation was verified one by one. Subsequently, Ding Le and the three of them visited and investigated the situation of the guarantor, who were the village teacher and the village committee accountant, both of whom were brothers of Wang Baoshu's family, and they all understood Wang Baoshu's personality and business projects, and were willing to vouch for him.

On the way back to the branch, Ding Le said to Zhang Maosheng and Fei Yang: "For customers like Wang Baoshu, we still need to vigorously support these customers in the entrepreneurial stage, once we achieve a seamless link of their funds, the customer stickiness will be very high." At the fixed system study meeting of the branch, Ding Le passed the above content to everyone again.

Wang Baoshu's loan was within the approval authority of the Taiping sub-branch, and Zhang Maosheng wrote the investigation report on the day he returned, and submitted it to the sub-branch meeting office early the next morning. It only took two days to get busy with the early credit procedures.

After Wang Baoshu repaid the loan on the day it expired, the Taiping Sub-branch re-issued the loan to his personal account the next day.

After Wang Baoshu saw the loan on the account, he repeatedly thanked the Taiping Branch for helping him a lot.

After nearly a month of intensive operation, Ding Le led the account manager to extend credit to all the eligible customers of Taiping Sub-branch in advance.

After the loan expires, the customer only needs to come to the sub-branch to go through the relevant loan procedures to get the loan again in a very short time, and the customers have praised the high work efficiency and good service attitude of the Taiping sub-branch.

Ding Le also made a detailed analysis and summary of the problems found in the process of early credit extension for the head office to make decisions. Since it is a pilot, Ding Le is still willing to come out with some dry goods.

Beginning this year, the country's financial innovation will take new steps, and village and township banks and small loan companies have been established in various localities. At the same time, Internet finance is in the ascendant, the rise of the P2P model and the Ali model, will attract more and more attention, due to the low entry threshold, regulatory gap, the entire industry is in a fully competitive pattern at the beginning. In the future, high-quality customers will become a resource that financial institutions will compete for, and as the competition increases, the cost of customer acquisition will become higher and higher.

At the end of the first quarter, the Spring Festival "good start" competition ended, and the Taiping Sub-branch handed over a satisfactory answer.

As of the end of March, the deposits of the Taiping sub-branch increased by 25 million yuan, 125% of the assessment task was completed, and the daily average of the deposit increased by 18 million yuan, and 180% of the assessment task was completed.

Originally, Ding Le was appointed as the interim head of the head office, and many people wanted to see jokes. It is wishful thinking for a new employee who has not been on the job for half a year to bring out the predicament of a branch whose performance has been declining year after year.

Now as soon as the quarterly assessment results come out, Haizhou Bank from the head office to the branch is shocked by the performance of the Taiping Branch.