Chapter 16: Starting a business is hard
Downstairs, everyone's thoughts were tossing and turning.
Upstairs, the three of them helped Ding Le clean the office and left one after another, Zhu Guang said to Zhang Maosheng and Fei Yang: "You guys go out first, I have a few words to say to President Ding." ”
Zhu Guang wanted to express his gratitude to Ding Le in person, on the day of the "12.30 robbery", he forgot about being on duty because of the car accident of the kid at home, and after he was busy running in the hospital, he finally called Zhang Maosheng and asked him to cover up.
After the incident, Zhang Maosheng called him as soon as possible, saying that Ding Le happened to be in the industry today, he knew that your child had been in a car accident, and took the initiative to promise to help you on duty.
In this way, he accepted the investigation of the head office in trepidation, after all, the robbery case was too serious, and Wang Yonggui's immediate dismissal was proof of it, but fortunately, when the head office was investigating Ding Le, Ding Le also said almost the same thing, and he survived.
"President Ding, I really don't know how to express my gratitude for what you have happened to me and what you have said for me, if it weren't for your help, I would definitely not be standing here at this moment," Zhu Guang said with a sincere face.
"Brother Guang, you still call me Ah Le in the future, when it comes to robbery, I can only say that it is fate. Helping you talk afterwards is a matter of effort, and you shouldn't feel too guilty. Ding Le said.
"Ah Le, I, Zhu Guang, am a rough person, but I will not make a matter of principle, if you trust me, I will hand over more than 100 catties of meat to you, no matter what you ask me to do in the Taiping Branch in the future, I will never say anything. Zhu Guang said categorically.
After Zhu Guang left, Fei Yang came in again, and said with a smile: "Congratulations Brother Le, I will change my name to President Ding in the future." ”
"You kid is also close, just say anything directly. ”
"I'm here to thank you, haven't you seen today's market? Hudong Heavy Machinery is a daily limit, after earning this wave of market, my funds come out, and you can change to a good car." ”
"If you hold it for three months, maybe you can change to a luxury car!" Ding Le said.
After Fei Yang left, Ding Le sat on the boss's chair and stretched his body a little, turned on the computer to find the latest performance ranking table released by the head office, and fell into deep thought.
The current deposit balance of Taiping sub-branch has just exceeded 50 million, and the balance of the daily balance is 42 million, which is 20 million more than the deposit given by the head office, and the new 10 million yuan of the daily average deposit, and there is still a big gap.
In almost a month, so many things have happened in the Taiping Branch, it is normal for employees to have a little emotional fluctuations, and if they want to turn the situation around, they must first improve everyone's morale, just like fighting, mourning soldiers will be defeated. Second, it is necessary to develop a practical action plan and promote its implementation on a daily basis.
When he got off work, Ding Le walked out of the office with a few printed manuscripts in his hands. He said to the three of them: "All three of you stay for a while, and after the cash truck comes to pick up the cash box, we will have a short meeting together, and I have an idea to tell you." ”
At half past five, the cash truck appeared at the door of the Taiping branch on time, since the last accident, the head office has strengthened the security configuration of the cash truck, the punctuality rate of the car has reached almost 100 percent, and the security company under the Public Security Bureau has reached an agreement urgently, and in the peak season stage, the lobby of each branch is also temporarily equipped with a security guard to maintain order.
After the car left, everyone went to the conference room on the second floor. Ding Leqiu coughed and said, "I know that everyone is quite tired after a busy day, so I will make a long story short......"
At the beginning of the peak season, the four windows of the counter were running at full capacity every day, and Zhang Linli was busy authorizing. It is difficult for the strongman to ask the tellers to make deposits. Ding Le asked that from now on, the account manager should also establish the awareness of deposit marketing, and the account manager must put pressure on the rest except for the loans that must be issued, and the deposit must be the focus at present.
Ding Le has developed a classified marketing plan, one is to give gifts to deposits, starting from tomorrow to Taiping sub-branch for fixed deposits, will be based on the amount of deposit and the term of the customer will get different prizes. The prizes range from small toiletries, to salad oil, rice, to rice cookers, bicycles; the second is to recommend financial products, the current head office assessment plan will be the sales of wealth management products is also counted as the deposit base, the current wealth management products yield is generally higher than the same period of time deposits, the main marketing customers are for enterprises and institutions to work for office workers; the third is to focus on the marketing of fund products, he in the head office agent of several funds, selected the partial stock type of funds, requiring the focus on those financial awareness is stronger, In order to encourage sales, in order to encourage sales, the head office assessment plan for the sale of funds, according to 6% into the deposit base; fourth, the loan customer repayment of the follow-up visit, the annual pass is reduced, for the town of the self-employed large account of the return of funds account manager to grasp every day, timely telephone return visit.
Impression around 2010, the Agricultural Bank of China was the first bank to launch this marketing program, the deposit increased several times that year, by the customer greatly sought after, and then the banks began to popular deposit gifts, and so on in 2016, although the regulatory authorities began to prohibit this kind of publicity, but the banks still have a variety of small actions in private, it is rumored that a bank even organized deposits of large customers to travel abroad. Ding Le believes that there is definitely a drama in the current deposit and gift giving.
The sale of funds and wealth management is to take advantage of this bull market. After several years of bleakness in China's stock market, from the state to promote stock reform in 2005, the securities market situation gradually improved, to 2006 if the Shanghai Stock Exchange Index was a wild horse, a shot and could not make a profit, to 2007, the Chinese's concept of investment and financial management has completely changed, even the rural people know that stock speculation can make a lot of money, bank wealth management and funds are selling well, and even the phenomenon of queuing up to buy.
After Ding Le finished talking about the marketing plan, he assigned tasks to everyone.
He asked Zhang Lilin to take Zhu Guang and Fei Yang to the RT-Mart supermarket in the city as soon as possible after the meeting, and purchase some of the toiletries, salad oil, and rice to prepare for the war, and at the same time asked to put them out at the door of the business hall before opening tomorrow, so that the people who came to handle the business would know.
At that time, he and Fei Yang will act as temporary lobby managers, temporarily conducting customer advocacy.
He asked Zhang Maosheng to contact the advertising company to record the marketing plan of the Taiping sub-branch and broadcast it in the form of sweeping the streets, striving to publicize it in the shortest possible time, and this work must be completed before noon tomorrow.
The task assigned to the teller is to emphasize discipline and require them to be mentally prepared, if this set of publicity plans is effective, then the counter business volume will be on a higher level, and everyone will be busier.
Another is to put forward the concept of VIP marketing, so starting tomorrow, the counter will open a special window to receive those customers who handle fixed deposits, purchase funds and wealth management, and four people will take turns sitting on the counter.
Before the branch was leaderless, everyone was like a fly without a head, they all wanted to do a good job to improve their performance, but they didn't know where to start, and they couldn't see that their performance could not continue to improve, so they began to lose heart.
Now Ding Le has only been here for a day, and he has come up with a targeted marketing plan, everyone has listened to Ding Le's marketing plan and work arrangement, and they all understand what their confidants are going to do, and they suddenly have a feeling that Ding Le is the backbone of the Taiping Branch, and they suddenly saw the guiding light.
Ding Le's mood is that the more he talks, the more excited he becomes, and the more everyone listens, the higher their morale, and they all become soldiers, about to go to the battlefield to win the victory.
Ding Le finally said: "From tomorrow onwards" good start "battle officially started, now there is still half a month before the New Year, there is still more than a month before the end of the peak season, we still have a chance to catch up, I believe that as long as everyone does their best, we will definitely have good results!"
After the meeting, everyone left with a lot of expectations.
Ding Le didn't go home, and his mother repeatedly told him to go home before he came, but considering the urgency of his work now, he felt that he couldn't bear to run back and forth every day, so he called home and stayed at the branch. After Xia Xiao knew that Ding Le would not go home, she specially took care of the aunt who cooked in the cafeteria and prepared a nutritious meal for him alone.
After Ding Le finished eating, he was going to carry out recovery training according to the doctor's instructions, he was wrapped in a thick down jacket, a hat, and a scarf, and walked around the courtyard in full armor.
Xia Xiao also walked out of the cafeteria after eating, and she couldn't help laughing when she saw Ding Le wrapped in a circle around the yard like a zongzi. She also followed, and together with Ding Le, she circled around the small flower bed in the middle of the courtyard.
Under the white moonlight, the shadows of the two people dragged for a long time, and the surroundings were peaceful and quiet.
Ding Le rubbed his hands, sighed, and said to Xia Xiao: "It's such a cold day, I really can't help but let you accompany me to suffer from the cold!"
After listening to this, Xia Xiao said: "I ate too much tonight, I also eat after dinner by the way!"
She paused and said, "Although I have been visiting you before, I have never thanked you seriously, if you hadn't pounced in front of me that time and blocked the bullet for me, maybe I would have been shot!"
Ding Le was about to say a few words when he heard this, but before he could open his mouth, he saw Xia Xiao on the side turn around and cling to Ding Le's body tightly......
After Xia Xiao's dragonfly kissed the water, like a frightened deer, she turned around and ran upstairs and entered her dormitory.....
Ding Le didn't expect Xia Xiao to express her gratitude in this way, he was stunned by Xia Xiao's unexpected actions, he was still immersed in Xia Xiao's gentle kiss, and when he reacted, Xia Xiao had already disappeared, looking at the direction of Xia Xiao's departure, he said softly: "Girl, I originally came to you!"