Chapter 26: Seizing the Opportunity

On Monday, April 2, at 9 a.m., in Conference Room 401 on the 4th floor of the head office of Haizhou Bank, the commendation meeting of the first quarter of the Spring Festival "good start" competition and the second quarter work conference were held here, attended by Chairman Xiao Huafeng, President Yang Zongpei, Chairman of the Board of Supervisors Hu Changguo, vice presidents in charge, heads of departments of the head office, presidents of branches, and general managers of the marketing teams directly under the head office. The participants are all middle-level and above cadres of Haizhou Bank, which is also the first official appearance of Ding Le.

The meeting was presided over by President Yang Zongpei, who first summarized the work of the bank in the first quarter and commented on the units with excellent performance in the "good start" competition. In President Yang's report, he mentioned the changes in the operation and development of the Taiping Branch three times, which surprised Ding Le, who was sitting in the audience, and he had never realized that he had been registered in President Yang's heart.

After President Yang's introduction, the meeting entered the commendation link, and the head office collectively commended the units that completed better in the "good start" competition, and the Taiping sub-branch won the "Outstanding Progress Award".

After the end of the award ceremony, enter the typical unit statement session, which includes the backward statement and the introduction of advanced experience, Ding Le was arranged to speak at the end of the advanced introduction.

After the three backward units came to the stage to speak, the three advanced units came to the stage to speak, when the Sanxiang branch spoke, the president of the Sanxiang branch Wang Biao directly said in its specific work measures, the branch deposits can have a relatively large increase is because of the reference to the Taiping branch of the deposit marketing model, they also combined with the actual situation of the branch to improve, in a short period of time has achieved proud results, they first proposed the Taiping branch of this marketing model to be highly recognized, and suggested that other brother units also boldly follow suit.

This is the first time that Ding Le has heard that the deposit marketing model of Taiping Sub-branch has been recognized by others in the whole bank, and he is naturally very proud in his heart, and believes that after this conference, even if the head office does not encourage it, there will still be more sub-branches to learn from them.

Before the conference, Ding Le received a notice from the head office that he wanted to introduce his experience on behalf of the advanced units. After receiving the call, Ding Le locked himself in the office and prepared carefully for an afternoon, and he carefully summarized all the work measures he had taken since he took up the Taiping Branch. It stands to reason that this kind of meeting materials has long been familiar to him, and he has long known what kind of things to say on what occasions after 10 years of training in his previous life, countless small meetings at the conference, and what kind of occasions to say. However, he still paid enough attention to this time.

This is his first official appearance, I believe everyone in the industry has heard his name before, but not many have seen him in person, he wants to leave a good impression in front of the head office leaders. A good start will play a role in promoting the development of future work.

Combined with the current macroeconomic situation, Ding Le talked about the work measures to be taken by the sub-branch. His speech, with proper detail, focused and focused, combined with certain body movements, gave people a very capable and professional impression as a whole.

Before coming to power, there were branch presidents who thought that he could become the interim head of the Taiping branch purely in exchange for his life in the "12.30 case", but after listening to his speech, he thought that he had changed his opinion, Ding Le had served as the interim person in charge for less than half a year, but his understanding of the management of the branch and how to carry out the work was not inferior to that of the branch president who had worked for many years. The people sitting in the audience are also old drivers, who come to the stage to speak, who has no goods in their stomachs, naturally they listen clearly. For Ding Le, everyone nodded and recognized it one after another, and there was no vanity under the fame.

After the introduction of Ding Le's experience, Chairman Xiao Huafeng made a final concluding speech, and Xiao Huafeng affirmed the results of the bank's work in the first quarter. In the first quarter of this year, through the data released by the People's Bank of China, the deposit growth rate of Haizhou Bank in the first quarter ranked first among all banks in Haizhou City, and the market share has also further increased, reaching 45%.

Xiao Huafeng also took the Taiping sub-branch as an example to encourage everyone to use innovation and hard work in their work, he said: " When Ding Le was appointed as the temporary head of the Taiping Branch, the Party Committee of the head office was controversial, but the Party Committee finally decided to give young people a chance, in the face of the critical moment of the branch, Ding Le can not even take his life, I believe that he will be able to lead the Taiping Branch staff to do a good job, practice has proved that Ding Le did not live up to the expectations of the head office for him, he took office with an injury, and tried every means to catch the deposit, as for the specific measures, everyone must have heard of it, I will not repeat it. When the temporary head of the branch was appointed, the head office had another test condition for him, and now it seems that this condition is a bit simple. When Xiao Huafeng said this, someone in the audience smiled knowingly.

Xiao Huafeng continued: "After the Spring Festival, just when you are still staring at the opening of the competition deposit, the Taiping branch has made efforts in loan marketing, and they have put forward an innovative idea, which has been approved by the head office and piloted, from the current feedback effect, the pilot is very successful, and the results are remarkable. ”

Xiao Huafeng's words woke up some people in the audience, no wonder looking at the performance table in recent days, the loans of the Taiping Branch have been soaring, and it turned out that they were magnifying their moves again.

Xiao Huafeng finally said: "I hope that everyone will go back to learn like the Taiping Branch, carefully find out the weak points of the current work, take decisive measures, and put them into practical action." ”

At this meeting, the Taiping sub-branch was in the limelight. In the past few years, the chairman and the president of the bank have never held a unit in such high esteem at the same time.

After the first quarter meeting, the head office issued two notices.

Although the notice does not clearly put forward the way to learn from the Taiping sub-branch to organize deposits, it also encourages all sub-branches to use their brains and adopt creative methods to organize funds. This document implicitly recognizes the deposit method of the Taiping Branch.

The "Notice on Carrying out Advance Credit Extension Work in the Whole Bank" highly recognized the pilot work of Taiping Sub-branch and promoted this mode of operation throughout the bank.

With the release of these two documents, the whole bank has followed the working model of deposits and loans of Taiping Sub-branch.

After the first quarter meeting, the assessment bonuses were also quickly cashed out. Seeing the quarterly performance distribution table, everyone in the Taiping branch was smiling, and the cash received after tax, and the least took 20,000 yuan. According to this estimate, the income of ordinary employees of the Taiping branch this year will be at least 150,000 yuan, and a little more than 200,000 yuan. In Wang Yonggui's era, it was something that I couldn't even think of.

If Ding Le is appointed as the official branch president through the head office assessment, and at the same time completes the annual performance appraisal indicators, then his annual salary will reach 400,000, although compared with investing in stocks, this can only be a drop in the dime, but this income in Haizhou City in 2007, office workers are considered high wages.

Together with the performance of the first quarter, the special assessment of the second quarter was announced, and the balance of deposits of Taiping Sub-branch increased by 10 million yuan in the second quarter, the daily average of deposits increased by 8 million yuan, and the net increase in loans increased by 15 million yuan.

After seeing the special assessment of the head office in the second quarter, Ding Le also immediately organized a branch mobilization meeting, the economic foundation determines the superstructure, this meeting, everyone's spirit is full, Ding Le looked at everyone's high morale, and was full of confidence in the work in the second quarter.

Now that the head office has strong policy support, the sub-branch has the desire of the people, and everything is ready, Ding Le feels that by seizing the opportunity, the Taiping sub-branch can achieve leapfrog development.

In the second quarter, the deposit work will be significantly improved, because in April, the Haizhou Municipal Government announced the preparation for the establishment of a high-tech industrial development zone, Taiping Town was included in the planning scope of the development zone, large-scale demolition construction is about to begin, and the people's demolition compensation will be the next growth highlight of the Taiping sub-branch.

In the second quarter, on the basis of the deposit task, the loan marketing assessment was increased, and the Taiping sub-branch has begun to lay out after the Spring Festival, with the pilot of the advance credit model, 70% of the customers of the sub-branch have been completed, and the pain points of the existing customers have been solved, and the next step will highlight the expansion of new customers.

The newly established Haizhou High-tech Zone has jurisdiction over three towns of Taiping, Tong'an and Dongzhu, which is located in the middle of the east of Haizhou City and west of Haizhou Port.

For the establishment of the high-tech zone, Ding Le really has a feeling that God helps me at the moment, after Taiping Town is included in the high-tech zone as a whole, the industrial layout within the jurisdiction will be adjusted accordingly, and there will be a large amount of credit demand in the middle.

Ding Le felt that in order to seize the opportunity brought about by the adjustment of the government's planning and layout in a timely manner, it was far from enough to rely on the efforts of the Taiping Sub-branch itself, and it was necessary to carry out in-depth integration and development from the level of the head office.

At the same time, far across the ocean, in the United States, the subprime mortgage crisis has begun to unveil, which is about to evolve into a global financial crisis that has profoundly changed the trend of world economic development, and people do not seem to know about the upcoming crisis at this moment.

In April, the Shanghai Composite Index also began to enter the stage of accelerated rise, the index rose by more than 500 points in a single month, and Hudong Heavy Machinery continued to fluctuate sideways between 90-100 yuan. Chips are increasingly concentrated in the hands of institutional investors.

During this period, Ding Jianye called several times to consult, the market index kept rising, and it was sideways, it was a test of people's endurance, Ding Le asked him to stand still, patiently collect all the information of China's ships, track the progress of reform, according to the country's policy at the beginning of the year, once the overall injection of the shipbuilding, then the stock price will jump.