It has been two months since the independent counter, Qiao Qingye was rated as a smile pacesetter because of its positive, active and enthusiastic service, although the business speed was still a little slow at the beginning, but it won the praise of most customers by virtue of its warm service attitude like a spring breeze.

I don't know if it's because she helped an uncle save half a woven bag of change, pure hand, no half of the complaint, but also took the initiative to help the uncle pour water, her name is widely spread in the fabric market, many people come to do business to her counter to do.

The good thing about her is that the performance of self-growth is not bad. For example, once she actually picked up a private bank customer, when she was serving, she just applied for a card for temporary working capital, and after Qiao Qingye's meticulous and considerate service, five million came in one after another;

The disadvantage is that the body can't stand talking too much all day long, for example, once she finished a business and had a dry mouth and wanted to go to the background to drink saliva, but someone came over with a call paper and said that it was her turn to do the next, she was specifically looking for Xiao Qiao to do business, and she was more anxious to ask for her business first. Qiao Qingye was soft-hearted, sat down on his ass, and it was time to get off work in a blink of an eye. The next day, his voice was hoarse, and he needed to eat the golden throat treasure to survive.

That's not all, Qiao Qingye often asks wealth managers for professional knowledge of investment and financial management, and also helps retail account managers write post-loan reports. Zhao Yu said with a smile that the busiest person in the industry is not the president, but Qiao Qingye!

Qiao Qingye is one of the few tellers in the whole branch, you must know that the job of the staff of the operation line is to do a good job in the counter business, do a good job in the settlement business, to put it bluntly, it is the window service work, marketing or something is the account manager's business. For example, in the investment and wealth management business, are there no financial managers? Corporate account deposits and corporate wealth management, isn't there a corporate account manager?

Seeing that Qiao Qingye worked so hard, her master Yang Yang also tactfully reminded her that she didn't need to work so hard, and she had to pay attention to her body. The other tellers also advised her that she didn't need to do so many things that had nothing to do with her position, and that the young girl might as well talk about love if she had this time...... But she always laughs at it, she doesn't have a lot of skills, and how illusory love is, it's better to learn more while she is young and not burdened.

Qiao Qingye has been on the counter independently for three months, and the sub-branch has also ushered in her first quarterly summary meeting since she entered the bank. At this meeting, President Zhang Wei summarized the overall work of the last quarter, saying:

"In the past three months, thanks to everyone's hard work, the overall performance of the sub-branch has indeed increased slightly. But at the same time, we are facing a terrible problem, which is that the growth of our business is declining year-over-year, including the growth of retail deposits, the size of corporate loans, and the number of active customers.

Of course, this problem is not only in our sub-branch, but also in many other sub-branches at the branch-level meeting. As the banking industry becomes more and more competitive and the number of new banks is growing, how can we maintain rapid growth on the basis of existing staff?

In the face of such a dilemma, we must fight back and take the big retail route, that is, all staff marketing, and advance and retreat together! ”

…… The head of President Zhang's analysis is the Tao, and the call is powerful, and everyone thinks it is very reasonable, but where to start? What is "big retail"? "How to do total marketing?

At the evening meeting, Lu Xiaoning finally explained to everyone the meaning of "big retail", which turned out to be to change the past assessment methods, set up some incentives, and mobilize everyone to market customers, especially operation employees!

A sub-branch has 20 regular employees, and 10 are hall operation employees, which is exactly half. In the past, this half of the country was only used as a window service team, and did not undertake the performance indicators of the branch, which caused all employees in the operation line to feel that they were out of the increasingly fierce competition of the bank, and the people with resources around them also neglected to speak, which was really wasteful.

So? Shift your mind! Transform the assessment system! A sub-branch is a whole, and everyone must contribute to the improvement of the sub-branch's performance! The first step is first reflected in the task allocation, the new quarterly fund task issued by the sub-branch, this time it is the task of the whole bank! Each person must complete their own tasks, of course, when the task is decomposed, there is a slight difference in the individual position, the sales volume of 200,000 per person in the operation line, 1.5 times that of the account manager, and double the financial manager!

The news is like a thunderbolt on a sunny day, the sky is thundering, the old tellers complained, they all feel that as a counter staff, to complete the deposit task, the number of basic customers is still a job-related task, this fund sales can not be played by the business, why put it on themselves!

For their complaints, the supervisor Lu Xiaoning could not explain them satisfactorily, because it was indeed difficult for everyone to suddenly assess the sales of such complex products. But she knows very well that this trend of "big retail" is coming unstoppably, and the competitive pressure faced by banks does not allow anyone to go all out. So she said to everyone:

"I understand everyone's feelings, but the direction of the industry has changed, we can only follow the trend of development, so the task must be completed, everything is difficult at the beginning, and then you will slowly get used to it, and at the same time, you can expand your knowledge and improve your marketing ability, which is also a good thing."

Everyone was silent after listening, and they had their own plans. Qiao Qingye didn't know what everyone thought at the time, as a new employee, she didn't feel that the new orientation was too unexpected, or so unacceptable, maybe it was because she was a newcomer, so there were not so many conformist restrictions. Later it turned out that except for her, no one else really paid attention to the task completion indicators.

Zhao Yu still rides a bicycle to the court to play badminton after work, chic and comfortable; As for Yang Yang, he disappeared as soon as he got off work, and since the celebration party, Qiao Qingye has automatically kept his distance from him; Lu Shuaishuai and Li Zhao began to discuss where to compete after class before getting off work; Liu Lu is even more of a dragon, she and Qiao Qingye have little intersection, Qiao Qingye only knows that she is a returnee with a master's degree and a wealthy family.

Only Qiao Qingye began to seriously ponder how to complete this arduous task, she knew that her professional ability was not enough, so she actively asked the financial manager Xu Yanhe for relevant knowledge of the fund. In the end, I found that even though Sister Xu explained carefully and patiently, she still couldn't do a professional analysis of the fund. So she decided to turn to Sister Xu for help, and she discussed with Sister Xu,

"Sister Xu, my professional level is really not enough now, can we cooperate? For example, if I ask a client at the counter that he has investment needs, I will refer him to your office and ask you to use your professional knowledge to help finalize it, and we will have half of the performance, okay? ”

Xu Yanhe has been in the industry for more than ten years and is a very experienced financial manager. She really didn't expect this little girl to have such awareness and intelligence when she first entered the industry, maybe her method can create a new era of retail and operation development. So I didn't hesitate to agree.

Later, they began to use this model of marketing, and within a month, the financial manager Xu Yanhe obtained more than half of the customer resources than before, and Qiao Qingye gradually completed the established task, a realistic version of a win-win situation!

And what about the others? I don't know if it's an appointment, but it's too difficult for each person to pay for a fund of 20,000 yuan and then report the fund sales to the top.

At the monthly summary meeting the following month, Vice President Yang Hailan reported the progress of fund sales, and asked the newcomer Qiao Qingye to talk about his methods and skills to complete the task.

This method has been well received by the whole bank, which is like opening the door to linkage marketing, so that everyone is no longer afraid of complex product task marketing, and can achieve a win-win situation through cooperation.

At the end of the second month, the use of referral cards has made all tellers complete 100% of the assigned tasks, and Lu Xiaoning, the director of the sales department, took everyone out to celebrate. After a few glasses of wine, Zhao Yu, who has always been bold, said,

"It's all thanks to Xiao Qiao this time, so smart and came up with a good way to help everyone complete this stupid task, everyone should give Xiao Qiao a cup!"

"yes, yes. Come, I'll toast you first~"

Lu Shuaishuai raised his glass first, Qiao Qingye was very embarrassed, she was a little shy,

"Don't dare to be, don't dare to be, masters, why don't we have a drink together, the road ahead is not easy, we need to support each other."

"Howler~ Cheers!"

"Cheers~"

"Cheers!"

Everyone raised their wine glasses, and in a trance, Qiao Qingye felt that there was a pair of eyes in the crowd that seemed to be shining with a special light. I looked closely, but I didn't know where it came from.