Chapter 11 Encountering the "Unspoken Rules" of Banks

The time of the holiday is always fleeting, Qiao Qingye came to the dormitory a day in advance, and tidied up this small home, so that this small room also has a New Year's atmosphere.

After packing up, she carefully divided the local souvenirs that her mother brought to her into 20 portions, and prepared to bring them over tomorrow morning to everyone in the bank according to her mother's instructions.

This was prepared by her mother herself, and when she was in college, Qiao's mother prepared gift bags for each roommate, wanting them to take care of each other. After graduation, Qiao's mother helped all her colleagues prepare gift bags, hoping that her daughter could get everyone's attention when she first arrived. This must be a long-cherished wish as a mother.

Sure enough, Qiao Qingye's native products have been well received by the whole bank, after all, it has the reputation of the hometown of dog-headed dates, and it is not in vain. Everyone thinks it's too wasteful to eat it directly, some people use it to soak in water to drink, and some people go back to make soup. When Qiao Qingye saw this, he was very relieved and started his day's work happily.

At noon, a middle-aged female customer came to Qiao Qingye's counter to handle the deposit business. This business is very simple, Qiao Qingye points the money on the front and back, ties it well, checks the amount with the customer, and asks the customer to sign and confirm the receipt, and file the summons after signing. The business process is proficient, neat, and neat, just like an old teller. Then I politely said goodbye to the customer, and the customer did not see anything unusual at that time.

But after half an hour, the female customer suddenly came back, and she was so emotional that the lobby manager couldn't hold it back, so she ran directly to Qiao Qingye's counter, scolding and saying that she wanted to complain about her. The supervisor, Lu Xiaoning, saw that there were many customers in the hall, and hurriedly ran out and pulled her aside to understand the reason.

"Half an hour ago, I deposited money here and gave her 10,000 yuan, but she only saved 10,000 yuan for me, where did the 1,000 yuan go? She must have taken it secretly! If you don't pay me, I'll complain! I sue you! ”

The middle-aged woman roared, looking like a cannibal. Lu Xiaoning knew in his heart that it was impossible for Qiao Qingye to steal money, but it was also an occasional phenomenon that the bank deposited money for long and short amounts, after all, it was a manual operation, and mistakes were inevitable, so he decided to stabilize the customer's emotions and first read the surveillance video during the business processing to see if there was a mistake.

Lu Xiaoning saw that in the surveillance video, the customer took out a few stacks of loose banknotes from his bag, sorted out the banknotes for four or five minutes before handing them in, Qiao Qingye took the cash skillfully, counted the banknotes on both sides of the front and back, and quickly tied them after they were counted, except for this banknote counter, there were no extra coins on the banknote counter.

Lu Xiaoning went down to the business room again to check Qiao Qingye's cash cabinet, and did not find any discrepancies in the accounts. After flipping through the summons from half an hour ago to the present, the two businesses behind it did not involve cash, so it is impossible to make a mistake!

So Lu Xiaoning went out to tell the middle-aged woman the truth, there was no problem with the business process, and the accounts were checked correctly. Is there any other possibility of the lost money, after all, she saved it with loose money, think about what the money has done?

When the middle-aged woman heard this, she began to get angry again, she stood up and said loudly:

"Don't try to shield her, I remember very clearly, the money in my bag is a amount, I gave her five thousand four with my left hand, and six thousand five with my right hand, a total of ten thousand! There are still 900 yuan left, I just went to buy groceries, get my hair done, take a taxi, and now I have 300 left! ”

"Sister, look, it's not been a day or two since you've been dealing with our bank, will our bank steal a thousand yuan from you and smash your own signboard? Are you right~

Besides, you signed it in black and white, and the surveillance shot it clearly, doesn't this mean that you have saved 10,000 yuan......"

Lu Xiaoning smiled and explained to the customer the bank's business process, the meaning of the consistency of the accounts and the meaning of the customer's signature on the business receipt, and even shouted one sister after another in order to get closer to the relationship.

But the middle-aged woman didn't appreciate it, she was in a hurry when she heard the customer's signature, jumped up and ran to the counter, pointed at Qiao Qingye's nose and scolded:

"It's you shameless thing who stole my money! What kind of are you guys, the bank steals customers' money and doesn't admit it, and sooner or later it will go out of business! Tell you to come out, and I will sue you. ”……

She was emotional and roared like thunder, attracting the attention of other customers in the outlet.

Facing such a situation for the first time, Qiao Qingye was at a loss, his face was red, and he even forgot to fight back, allowing the middle-aged woman to repeatedly abuse him with extremely bad words. Lu Xiaoning wanted to pull the customer's arm away from the counter to reduce the impact, but was thrown away by the middle-aged woman.

Qiao Qingye thinks about her graduation from a prestigious school, she has never made a mistake in her usual conscientious work, and has always adhered to the concept of "customer is God", she was rated as a smile service pacesetter because of her active, active and enthusiastic service, but now she was abused with such extreme words for no reason, so wronged, she couldn't help but shed tears on the spot.

Seeing this, the middle-aged woman scolded even more vigorously. At this time, Zhao Yu found out that this customer was the mortgage customer who came to repay the loan every month, and it was the real estate of Zhang Jianhua, the company's account manager, so he immediately called Zhang Jianhua and asked him to come down to appease the customer.

Lu Shuaishuai quickly pulled Qiao Qingye backstage and got out of the sight of the middle-aged woman. Lu Shuaishuai comforted her and said:

"Think about it, baby. Sometimes people seem to have changed through this piece of glass, and who of us on the counter has not been scolded. Besides, this is a messy person, and I've made trouble at the counter before, but this time I was unlucky enough to be bumped into by you. ”

Later, the account manager Zhang Jianhua came down to appease the customer, but the middle-aged woman didn't buy it, and shouted to see the president, but she really got into the president's room. In the end, President Zhang, Lu Xiaoning and Zhang Jianhua discussed in a whisper and decided to settle the matter, and the account manager Zhang Jianhua paid 1,000 yuan to the middle-aged woman out of his own pocket. What about Qiao Qingye? Verbal warning handling.

Why? It turned out that when Qiao Qingye was counting the money and preparing to deposit money, he said when he checked the amount with the customer:

"Collect 10,000 yuan from you, then I'll help you save this 10,000 yuan!"

It is too colloquial, if it is really in court, it will affect the reputation of the bank, and second, the banknote counter in the bank has not yet installed a memory card, and there is no function of retaining the currency serial number, and it is not convincing enough to rely on video and customer signatures.

Qiao Qingye didn't know how to get off work that afternoon, and when she listened to the decision of the president's office after work, Qiao Qingye was stunned, she thought that the customer spilled in the hall and maliciously slandered the staff would prompt the branch to strengthen security measures. Unexpectedly, President Zhang and Director Lu Xiaoning only emphasized that employees should protect themselves, even if they use the most distorted methods.

Even if everyone knows that it is the customer's fault, because the bank puts the collective interest first and takes into account the "overall situation", it must sacrifice personal interests, which is the "unspoken rule" of banking services.

But is this really the right thing to do? Aren't employees a bank's core asset? Can this way of killing chickens and taking eggs and putting the cart before the horse really solve the problem? Will this kind of tricky customer be merciful because you blindly give in, and never make trouble again?

After this incident, the bank decided to give Qiao Qingye a vacation, and let Qiao Qingye participate in the excellent staff recuperation activities organized by the branch two weeks later to change her mood, Qiao Qingye agreed, she really had to think about the profound meaning of the sentence "the bank is a vulnerable group".