On the last day of the New Year's Day holiday, Haizhou Bank held the 2007 annual trade union meeting and the 2008 mobilization meeting.

At the meeting, Ding Le took the stage twice with a big red flower, respectively on behalf of the marketing department of the company in the high-tech zone and individuals, and Zhang Maosheng took the stage to receive the award on behalf of the Taiping Branch.

In the exchange of speeches, Ding Le's speech on behalf of the marketing department of the high-tech zone gave everyone a lot of insight. He started from the subprime mortgage crisis in the United States has evolved into an economic crisis, and the domestic A-share market has turned from bull to bear economic background, under the downward trend of economic development, how to select industries with relatively controllable risks, identify customers with development potential, and the development orientation of the marketing department of the high-tech zone.

At the meeting, the chairman and president of the bank highly praised Ding Le's team and called on all employees of the bank to learn from them.

After the meeting, Zhang Maosheng found Ding Le and introduced to him the development of the Taiping Sub-branch after Ding Le's departure, as well as the work ideas for the next year.

Zhang Maosheng said frankly: "The past three months have been the three months with the biggest change, the greatest pressure and the greatest progress since I worked!"

Seeing that Zhang Maosheng was able to pick up the burden of the Taiping Branch, Ding Le was sincerely happy for him.

Back in the marketing department, Ding Le conveyed the spirit of the annual meeting to every member of the team in a timely manner.

In the first quarter, the assessment task of the company's marketing department was to add 50 million yuan in deposits, 100 million yuan in various types of loans, and 10 new customers.

In order to complete the deposit assessment indicators issued by the superior institutions, most banks will persuade corporate customers to handle bank acceptance bills, and some banks even require customers to handle them semi-compulsively.

When the Spring Festival is approaching, enterprises need a large amount of cash flow, and at this time, enterprises that are in a hurry to use the money will sell the newly opened silver tickets to ticket sellers to arbitrage cash. Ding Le's initial plan is to expand this kind of business during the Spring Festival competition.

On the one hand, it takes the initiative to conduct door-to-door marketing to all kinds of enterprises within the high-tech zone, focusing on the promotion of discount interest rates and work efficiency.

In terms of interest rate, the current ticket sellers in the market will charge an additional 5 to 10 points of handling fees, while the company's marketing department can handle it according to the benchmark interest rate of 3 to 5 points, and for customers with larger amounts, it can also be handled at the benchmark interest rate.

In terms of time, for the acceptance bill with a small amount, the ticket seller can settle on the spot, but for the large amount of the ticket, the ticket seller also needs to go online or raise funds on the market. The discount business of the company's marketing department is approved through the green channel, and no matter how much the amount is, the loan can be disbursed on the same day.

On the other hand, it is necessary to win customers from the source, Ding Le led people to visit the bill business departments of major banks in the city one by one, establish cooperative relations, and take the initiative to provide solutions for the customers of these banks. If these banks require customers to issue invoices, the company's marketing department will follow up as soon as possible.

This kind of plan, to put it bluntly, is to let the marketing department play the role of ticket sellers, go to the market and compete with those real ticket sellers for business.

At the morning meeting, Ding Le interpreted the opening competition plan of the head office and put forward his own ideas.

Originally, looking at the assessment indicators issued by the head office, everyone still felt a lot of pressure, but after Ding Le's interpretation and analysis, everyone was full of confidence.

Just like last year's Spring Festival opening competition, Ding Le in the Taiping sub-branch engaged in the marketing deposit program, this year's good start, he went off the rails, everyone is attracted by his pioneering thinking, no matter how you head office assessment plan issued, he can always peek through the key, find out the best coping strategy.

After interpretation and analysis, everyone actively supported his ideas, and Ding Le also divided the labor for everyone, and everyone was divided into multiple ways.

Regarding the bill fraud encountered by Fei Yang and Xu Lixin before, Ding Le also reminded everyone to pay attention to the risks, but they should not waste food because of choking, and they should improve their business capabilities from themselves and effectively identify potential risks.

In this special competition, the target customers formulated by Ding Le are mainly the silver bills within 5 million held by local enterprises within the scope of the high-tech zone, and the issuing bank of the acceptance bill is also the major banks in Haizhou City, and the bills and customers from other places are not considered.

Through such filtering and screening, we can not only understand and verify whether the customer has a real trading background, but also effectively reduce the risk of counterfeit tickets.

Considering that the shortage of funds in enterprises is mainly concentrated in the period before the Spring Festival, Ding Le asked the partners to take action quickly, seize time, catch up with the progress, and strive to successfully complete the task of the Spring Festival opening competition.

According to the deployment of the morning meeting, Ding Le took Chang Dong and Liu Jia to run the same institutions in the market, and through Zhang Linli's father, who worked in the People's Bank of China, he got a list of institutions and persons in charge of various banks in the city that handle bill business.

The other three groups will go to the door according to the pre-divided areas. They start with familiar customers and then spread through mutual introductions between customers.

After a few days of hard work, the situation was finally broken, and customers contacted one after another to inquire about the discount business.

Wang Jincai made his fortune in the early years through import and export trade, and because he often dealt with banks, he was very familiar with the process of bank loan approval. After completing the original accumulation, he started a money-making business, relying on the connections accumulated in several banks, he became a well-known bridge loan fund broker in the high-tech zone.

In the past two years, bridge loans have often been risky, and he has started a discounting business of bank acceptance bills. He knows that at the end of each year, the positions of major banks are tight, and enterprises have a large number of bank bills that need to be discounted in order to cash in order to have capital turnover, and the period from New Year's Day to the Spring Festival is his busiest time.

In the past two days, Wang Jincai suddenly found that the business was not good, in the past, as long as he sat at home, someone came to the door every day to sell tickets, but in the past two days, he found that there were obviously fewer customers who came to the door.

So he immediately contacted a few old customers who often had business cooperation before, and called the other party's financial managers to know that the marketing department of Haizhou Bank High-tech Zone has made efforts to expand the acceptance bill discounting business in the market these days, and they have tried their best to publicize the lowest interest rate and the same day of lending every time they go to an enterprise, and the company's boss found that he could save 4 or 5 points of financial costs, and he took the company's silver bills to discount.

After a round of phone calls, Wang Jincai felt that the situation was not good, so he called the familiar account manager of Haizhou Bank again. Ding Le is already famous in the Haizhou Bank system, Wang Jincai just mentioned it, and the phone was like pouring beans into a bamboo tube, telling Ding Le's glorious history again.

After hanging up the phone, he felt that he had met a master this time, and he had also heard the news of the Taiping branch depositing gold bars last year, but he didn't expect that the initiator would now switch to the bank ticket business.

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Just when Ding Le was planning for the work of the marketing department in the new year, Ding Jianye also came with good news from Hong Kong, Bear Stearns' stock price continued to fall, and they have gained a lot from shorting, if the opening price of Bear Stearns on the first trading day of this year (January 2) was $88.35, it has fallen nearly 25% from when they opened their position. Pessimism on Wall Street began to spread, and investors were generally not optimistic about the future market situation.

One hell and one paradise, when the market sentiment is generally pessimistic, Ding Jianye is full of confidence in the future.