25. Banks and insurance companies are not next to anyone
Since the establishment of this branch, the general manager's office is a positive and a deputy configuration, when the two shareholders, the vice is always a Japanese, that is, the leader of Mo Xiaobai into the industry of Dahesheng, within a few years Dahesheng went to Japan, the then general manager Lu was transferred to the general manager of the individual insurance department of the head office, so Si Xiang through Qin Dashan's recommendation, as the general manager of the branch until now.
It can be said that after he came to the branch, the position of deputy general manager has been vacant, and the company has been in a situation of one word for a long time, Si Xiang has long been accustomed to such a reporting relationship, but after Ye Zheng came, he delicately broke such a balance, and Si Xiang really needs to adapt to it.
Originally, after the company decided to restart the two-person responsibility system, Si Xiang hoped to push Liang Yan up, so as to formally meet the requirements of the headquarters, and in fact, he could still achieve full control of the company. But helplessly, Liang Yan has a college degree, and she really doesn't have any good performance, except for Si Xiang who has always said good things to her, no one thinks of her well, so she was easily rejected by Zhanye Bank.
In the financial system, education, qualifications, abilities, gender, and even birth date are all minus, that is, when the organization does not want to use you, it must use your shortcomings to isolate you from the rule level.
Ye Zheng's personnel appointment this time, the actual purpose of Zhanye Bank, is to send the senior executives of the parent bank to the management of each branch, and implement it at the branch level, so as to directly remove Liang Yan on the grounds that his education is not high.
Si Xiang didn't know the deep meaning of his mother's line, he was really concerned, Liang Yan was happy that this matter was done, and he was even happier. So before and after running, everything that should be paved has been paved, but the bamboo basket is empty.
For this matter, Liang Yan had a lot of awkward trouble with Si Xiang in private, this person, when there is no hope, he doesn't care about anything, and when he has hope but the result is disappointed, he will feel that others owe him something. Si Xiang is not a person inside and outside, so he took advantage of the relationship between Mr. Lu of the personal insurance department of the head office and the number one leader of the Binshan branch, and arranged Liang Yan to be his deputy next to Mr. Lu. Even so, Liang Yan is not happy, she is far away from home at work, and she needs to rent a house or something, but these are trivial things, even if people are hypocritical, they can't be embarrassed, and no one looks good if they are too stiff.
But back and forth, through this matter, Si Xiang was cold to Liang Yan, this woman has too many things, and it is good to send it to the head office out of sight and out of mind. In addition, there are some innate prejudices about the candidate for this vice president, and the change from one person to two people is essentially a division of rights. Even if it wasn't Ye Zheng, if he was a cat or a dog, Si Xiang would feel awkward.
However, Si Xiang is a big party member after all, he has seen people after things, and he knows the depth of the distance. Ye Zheng is a fledgling, I don't know how much worse than himself in terms of experience, and he is a young man who wants to do things with enthusiasm, it is much better to work with such a person than two old fritters pondering all day long, not to mention more guidance and guidance, maybe Ye Zheng can also become his right-hand man. So after a period of observation, Si Xiang began to test Ye Zheng step by step.
After all, everything is prosperous in the harmony of the team.
Ye Zheng is not an ignorant person, since he learned more about the situation that day, he asked Lao Yu to take a letter pocket and present it to Mr. Si - anyway, it is not the money in his pocket, the cost is more and less, and the final rule is not a matter of Si Xiang's words. According to Lao Yu's feedback, "Mr. Si said a lot, and I didn't say anything, I said that I would advance the funds for the next event." Ye Zheng even praised Lao Yu for doing a good job.
In October of this year, the weather was abnormally good, Ye Zheng was also unusually busy, the customer festival, Julong Iron and Steel, various branch visits, and a boot hanging in the headquarters had not yet landed, because the executive qualification examination of the vice president of a branch had not been passed, so the time for the company-level training of senior executives and business account managers could not be set for a long time.
The customer festival was very successful, not only Si Xiang was very satisfied, but even the senior management of the head office has paid attention, and it can be said that the entire branch in October is such a bright spot.
After making a few plans with Wan Sisi, Ye Zhengjue's girl really didn't have the ability to organize such a large-scale event, so she handled it herself and found a few helpers.
The company's chief executive butler, Sa
dy, and Mo Xiaobai, who is indisputable.
There is another one, Cai Bingchen, who is the only one in the sky and the world.
Cai Bingchen was not interested in Ye Zheng at first, originally Ye Zheng was not in charge of individual insurance business, and he had nothing to do with himself, and secondly, the team managed by Bingchen was a team of insurance agents, and the insurance type operated was the oldest and most core personal insurance of the insurance company. As long as there are no subversive adjustments to the company's policies, in her eyes, the people sitting in the general manager's room are no different from the mascots of the basketball team.
Looking at Cai Bingchen from Ye Zheng's eyes, it has become a completely different perspective, it is still a basketball team, Ye Zheng prefers to define himself as a team manager, and Cai Bingchen is a team coach with very good tactical literacy. If the team manager does not follow the team's tactical play, then there is no other result than losing.
In order to avoid this kind of situation where laymen guide insiders - even if there is no guidance, at least it is necessary not to cause chaos to the team, Ye Zheng found Bingchen to talk a few times, and the entry point is naturally the customer festival.
It didn't go well at first, and Bingchen didn't plan to spend too much energy on this new young leader, until the door of the office was pushed open by Ye Zheng: "Sister Chen, do you have time?
Bingchen didn't expect Ye Zheng to come to her directly, and was stunned for a few seconds and still let Ye Zheng sit down with a smile, "Mr. Ye has something to do, just call and order." ”
"No, no, this is to cause you trouble, you see that I am also a newcomer with little experience, the leader asked me to fully manage the customer festival, I hope to really bring something to the customer through this customer festival, so I want to hear your opinions. Ye Zheng got straight to the point,
"It turned out to be this thing, the customer service festival is held once a year in our company, and it is also very effective, I suggest that Mr. Ye take a look at our past activities, as for the work invited by customers, I see that Lin Jin of the service department and the little girl named Wan Sisi have been docking with the people on our side, I didn't care too much about this matter, but listening to what they said, there should be a lot of appointments now. Cai Bingchen knew Ye Zheng's intention, but she was not very interested in this work, and Ye Zheng's sudden visit also made her a little uncomfortable, she didn't like everything unplanned, and some hoped to end this conversation as soon as possible.
Ye Zheng heard the meaning of Cai Bingchen's words, if she asked again, she would arrange a specific person to report to Ye Zheng directly, this was not the result he wanted, the purpose could not be achieved, and it was easy to leave a handle that was too long. Although he is a senior executive of the company, he is the second-in-command after all, so outside the boundaries of Si Xiang's responsibility, any superfluous actions will be magnified, so it is inconvenient for Ye Zheng to stay too much in the insurance department.
"Yes, yes, thank you Sister Chen for your support, I'll sort it out here, if you need to ask for advice, you may have to trouble it." Ye Zheng got up and was about to leave, but Cai Bingchen stopped him.
"Mr. Ye, next time you call me in advance, thank you. ”
Ye Zheng did not get the expected answer, years of experience accumulated in customer work, he has enough confidence to do this activity decently, but Ye Zheng also clearly understands where his shortcomings are, from Zhanye Bank to Zhanheng Insurance, one group has one system, two sets of completely different ways to expand and obtain customers.
To put it more thoroughly, the nature of the banking and insurance industries is not the same.
What's the difference? It's completely different, so to speak.
The concept goes to the roots, the bank's customers are the platform's, and the insurance company's customers are the relationship managers'. Because in the bank, no matter how much it is reversed, the money is still the customer, and if you catch up with the loan, you have to give money to the customer. But when it comes to the insurance company, it is necessary for the customer to pay for it in real pockets. So this one is to help people manage money, and the other is a buying and selling relationship, which can't be discussed together.
If you insist on pulling it together, you can only say that there are so many customers, although this customer is from the bank, but you can't stop him if people want to buy insurance.
The bank has a large customer base, especially for a behemoth like Zhanye Bank, and the first choice for customers is this platform, and then the relationship manager, which is the right way. If this customer feels that the account manager is very chatty, professional and dedicated, and can tell himself from time to time about high-yield financial management and low-interest loans, so that he is willing to give full authority to this god of wealth who is not rich, as for which temple this god of wealth comes from, which way the god of wealth invited, but he doesn't care.
The next story, the boss of the loan shark who took the money and ran away as a leek was cut, there is too much news like this.
There are also many customers of insurance companies, although Zhanheng Insurance is not the first echelon of the Big Mac level in the insurance industry, and even in the second echelon, it is more difficult to catch up, but whether it is a Big Mac or a small shrimp, customers are all spittle from insurance brokers. Not to mention that Yamaguchi and Zhou Nan didn't care about eating for a few customers, even if it was only for one customer, the insurance broker would be like a lion on the grassland seeing its prey and starting a crazy chase mode. Even if the customer is chased, an insurance broker in charge will still provide long-term service.
China's law on insurance is to protect the interests of policyholders, but insurance companies are vulnerable groups, so customers for a certain insurance product, do not care how big the platform is and how good the company, no matter how big the company will not give you some cheap premiums, other customers are pursuing cost-effective, so the service and consultation provided by the account manager has become particularly important.
Mo Xiaobai's famous saying is that those who sell insurance take people's money and eliminate disasters for others.
Ye Zheng comprehended these truths in a short time, he has a big platform background and experience, and he has talked about many customers, but if he talks about customers without the background of Zhanye Bank, how much can he Ye Zheng worth?
In this regard, he must seriously bow his head to communicate with an old cannon like Cai Bingchen, and Mo Xiaobai's suggestions are also seriously absorbed one by one, and Ye Zheng will admire people who surpass him in a certain field.
is a kind of awe of professionalism.
No matter how gorgeous the stage is, it is just a carrier to convey the content, and the goal of the wonderful performance is not to show off the skills but to make the audience satisfied with the information they deserve. It's the same with Customer Day.
Whose opinion is the most important thing is the customer's.