February 14, 77, 9 a.m., Hong Kong Island, Victoria Peak, Wan Chai, Central, Admiralty Road,

After Li Wenxing walked out of Li's house and went down the mountain in a car, he did not directly cross the sea to return to Jiulong, but came to the Hong Kong Island head office of Xinghai Bank, which was being renovated on Admiralty Road.

The building where Xinghai Bank is located is actually only five floors high above ground, but there are three floors underground, which is why Li Wenxing finally chose it, it is simply a tailor-made building for opening a bank vault.

Moreover, there is another more important reason, if Li Wenxing is not mistaken, the address of this building is where the headquarters of the future Feldspar Group is located, which means that he has occupied a good pit ten years in advance.

As long as you make up for it, the future HSBC is on the left, and the Bank of China is on the right, all of them come to be neighbors with Xinghai Bank, and they can also meddle in the quarrel between the two families (1),

Think about it, how prescient is the choice of this address? As long as the historical trajectory remains unchanged, in another ten years, everyone in Xiangjiang will have to admire his vision.

Well, even if the trajectory changes, you can take the initiative to dial it back again, it's a simple thing.

As a result, when Li Wenxing inspected the renovation work of Xinghai Bank, he could be said to be full of smiles, and Cai Shiyi thought that the boss was very satisfied with her work.

Of course, Li Wenxing is indeed very satisfied with Cai Shiyi's performance, this is indeed a top manager,

It can be said that Cai Shiyi's positioning of herself is very accurate, and her overall strategy may be a little insufficient, but simply as an executor, few people can stand out.

And Cai Shiyi's self-knowledge, when she was going to dig her up, she didn't promise to take care of everything, which is another place where Li Wenxing is satisfied with her.

If you don't have enough ability, you can learn and cultivate well, and you don't need the other party to have any overall situation, no matter how big it is, it can be bigger than him?

On the contrary, if Cai Shiyi does not have basic self-knowledge and likes to be smart, then how dare she use her?

Compare Shen Wan of HSBC and Bahrain Bank of Bahrain, how important is it to be an excellent bank leader? If you can't do it, you have to be reluctant, it's very dangerous, and you can bankrupt a bank in minutes.

However, after all, Cai Shiyi is good at financial securities investment, and letting her act as an agent for banking business is only temporary, and in the end, she still has to recruit a suitable person in charge of the bank and let Cai Shiyi continue to do the work she is good at.

"When will it be officially open?"

Accompanied by Cai Shiyi and the recruited bank executives, Li Wenxing inspected the Xinghai Bank headquarters building up and down, inside and out.

The group finally came to the parking lot in front of the bank, and before leaving, Li Wenxing asked this question,

According to the inspection just now, the renovation work inside the building is nearing completion, and some office areas have begun to be cleaned, so it should not take long to use.

However, Li Wenxing still has to know the specific opening date in order to facilitate the arrangement of the itinerary after the Spring Festival, so as not to make it impossible for him to come back in time on the opening day.

"You can do it at the end of the solar calendar, and ...... before the tenth day of the first month"

Listening to the big boss's question, Cai Shiyi hurriedly estimated it in her mind, and then said such a date, although this time is a bit rushed, it can still be overcome.

"The 10th day of the first month, then select the 10th day of the first month, and the 10th day of the first month should be Sunday?

Remember to arrange enough tellers in advance, when the bank officially starts to handle the savings and credit business, there must be a lot of people who come to handle it in advance, and they must be able to turn around.

Recruit more manpower, don't you be afraid that you can't be placed, don't you have to open several branches, let them go to the post in advance for internship training, familiar with the business handling process,

In addition, the various supporting materials required for handling credit accounts, what are the requirements and standards, can be publicized in advance, so that those who want to handle it can prepare in advance.

In addition, it is necessary to optimize the process of business handling, not to copy all the routines of other banks, but to summarize and summarize better methods.

Now I go to an outside bank to open a savings account, and the simplicity is so simple that people feel insecure, and I always feel that I can withdraw money by someone else with my passbook, and there is no way to talk about password protection or anything.

And the complicated ones are so annoying that it hurts my brain, I came to the bank to deposit money and take loans, not to learn how to fill out the report, and then I was interrogated about the eighteenth generation of my ancestors.

Optimize the process,

For example, to open a savings account, you only need to be present in person, hold the original and copy of your ID card, prepare a one-inch bareheaded photo, a five-inch headshot, plus fingerprints on both hands, and establish a complete information file for each account.

At the same time, in order to ensure the security of the account, when withdrawing money in the future, small withdrawals only need to show ID cards, and the teller will check whether the account identity information and the withdrawer are consistent.

If it is a large amount of deposits, withdrawals, limited to 100,000 yuan, change to the VIP channel to handle, in addition to the regular password, must set a more sound password, of course, troublesome people can also give up,

For example, set three special questions for VIP customers, each question has five options, there are two chance to tolerate error when withdrawing, and the third mistake will lock the account, and various identity certificates must be opened to unlock it.

The money stored in the bank, especially a large amount of money, the more closely you keep it for the customer, the more assured the customer will be.

There is also a credit account, which is currently mainly engaged in small loans, for young people, junior high schools, high schools, college students, regular jobs, newlyweds, and so on, the initial amount does not need to be too much, between 2,000 and 10,000,

When applying for a credit account, you must be present in person, take your ID card, local household registration booklet, and you must also choose one of the three types of documents such as student ID, work ID, and marriage certificate, and provide the original.

Well, there must also be neighbors, colleagues, and classmates present, sign and fingerprint as a guarantee, and then go to the police station in advance to issue a certificate that has not violated the law in the last five years.

The above materials must be prepared, during the credit account application, by the commissioner to the field audit, which kind of proof, on which way to review the relevant personnel,

If there is any forgery or fraud, it will be listed on the permanent blacklist of the bank and disclosed to the outside at the same time; if the information is fine, the auditors will determine the final credit limit according to the actual situation of the applicant.

At the same time, the information must be updated every three months, and the current status of the account holder must be re-reviewed by another person, and the credit limit must be increased or decreased according to the results.

Then irregular spot checks, tracking, return visits, to avoid auditors fraud, if found, directly dismissed and fined to investigate responsibility.

In short, Xinghai Bank, savings business, to be able to buy Xinghai Fund qualifications to attract, try to absorb deposits, credit business to do personal small loans, based on these two advantages, first slowly develop.

Whether it is Xinghai Fund or personal small loans, these two projects have no strong competitors in Xiangjiang before, as long as they are steady and steady, Xinghai Bank will definitely be able to take the lead and become the top in the industry. ”

ibid

Procrastinating, rambling,

Before Li Wenxing left, in front of all the middle and senior managers of Xinghai Bank, he set some of the bank's future business details and regulations, as well as the pace of development.

He has high hopes for Xinghai Bank, even if he can't watch it all the time, and he doesn't know the specific operation, he must strengthen his control over the bank, and speed up the development of Xinghai Bank with the help of banking business and service concepts beyond this era.

Note: (1), the details can be found in the layout of Qiandu HSBC and Bank of China Building. I want to talk about "Rebirth of Xiangjiang Giants" with more like-minded people, and pay attention to "excellent reading literature" on WeChat, talk about life, and find confidants~