中行江西省分行重视基础建设提升服务效能

Jiangxi branch of bank of China attach importance to improve the construction of service efficiency

Fill the financial services weak area

In recent years, the bank of China branches should be based on the determination of jiangxi province put forward the sustainable development of jiangxi branch, and resolutely abandoned the get rich quick management thought, always stand in the height of strategy attaches importance to foundation construction, grassroots organizations, business operation and management of the foundation as a top priority. And many large state-owned commercial bank has revoked the township, county site is different, bank of China branch in jiangxi province turned towards the county and the countryside, the organ function upgrade and financial product innovation, and constantly fill financial services weak area.

"Bank of China branch of jiangxi province county agency a wide coverage, especially in recent years, we not only have no reduction network, but also in shangrao Po Yang, jiujiang PengZe, ganzhou huichang, gian yunghsin county, such as an institution, and at the same time, this year will also work with light MaXiFu's financial joint venture set up several boc's rich town bank, to small micro enterprise, farmers, agricultural industrialization enterprise service provides a new platform. Bank of China branch in jiangxi province governor FuZhengHui offered to "stand county institutions backbone" development strategy, through the strengthening primary and infrastructure, improve the service level of the county agency. At present there are 117 outlets in the county, a node farthest from nanchang city, capital of nearly 600 kilometers, the network coverage is three years ago was obviously improved, the service ability of county economy noticeably.

The county agency stand back

Have been to the old revolutionary base areas jinggang tourism for local people must make grand subject-live performance "the jinggang mountains" have deep impression, is responsible for the performance for the enterprise is the jinggang mountains China YanWenHua development co., LTD. "In 2010, subject-live performance in the jinggang mountains is first, market prospect is not very clear, and our enterprise management place is rented, unable to provide financing guarantee. The most difficult times, even employee wages are not hair, we found a total of five bank for a loan, finally only credit to 1 million yuan. The company's general manager 1:02 beauty said.

Through several times to visit enterprise, the bank of China jinggang subbranch of a bank President DaiZhiNong simply yourself when up the credit business "chief customer manager". "The enterprise have a stable cash flow, almost every night and in an amount of door fare increase, so we innovation way of credit, collection tickets as a pledge loans, real period for enterprises to provide 3 million yuan of working capital loans. In 2011, when we additional $6 million loan, enterprise's sales revenue and profit have doubled. DaiZhiNong said.

Bank of China turned into the county and rural, satisfied the customer demand, also extended mechanism of antenna, strengthen development foundation, not only service local economic development ability get better play, the county agencies also has got very fast development, the bank of China in 2012, jiangxi branch manages 65 county subbranch of a bank deposits and loans are higher than the average growth rate of both.

Hold key city leading

On the other hand, bank of China branch in jiangxi province put forward "hold key city leading" strategy, play "city" brand, to speed up the large and medium-sized network construction, rich network function, and give full play to the radiation effect, make more outlets have offers a variety of financial service function, for the regional customers better service. HongCheng nanchang city commercial bank is fine network HongCheng branch of important customers and beneficiaries.

HongCheng business circle is jiangxi commercial circulation field the earliest professional market, one of the earlier stage of development, the market bank offered 50 million yuan financing support. With the recent years the rapid development of business, has become a professional market and home business clusters, numerous wholesale, retail, logistics small micro enterprise in the market, financing demand. In November 2009, bank of China was established in HongCheng business circle all functional products branch HongCheng branch, the branch HongCheng according to business customers' distribution and management characteristics, market segments, in view of the business circle eighteen market determine the regional account manager, carry out market research, in view of the small micro enterprise lack of effective assets to pledge, difficult to obtain bank credit problem, promote the joint guarantee syndication business, in several small micro enterprise established joint guarantee team get credit, satisfy the business enterprise "short, frequency, quick, quick" fund demand. At present HongCheng business district has become the national ranking sixth comprehensive big market. Through the make full functional mechanism, rich service means and financial products, not only support the business development, also enlarged the commercial bank of China in the HongCheng business circle market share, realize the win-win argues.

Bank of China HongCheng branch such as large and medium-sized full functional subbranch of a bank, in jiangxi and 24 families, and they give full play to the role of the market, to market tentacles and customer needs, provide full functional financial services. By the end of 2012, jiangxi bank were built large complete functional network six, medium full functional network and home. Also launched 52 home key network company financial comprehensive development, speed up the transformation of the basic particle of guidance function, to provide more comprehensive financial services.

To optimize product based strategy

Basic strategic product development bank is the service level and competition ability. Therefore, bank of China branch in jiangxi province from compaction customer base and enhance customer experience, based on the bank card, electronic banking, and other strategic and product great-leap-forward development requirements, broaden the product application field, the development of automated trading terminal of new products, has been successfully applied to mobile pay cost, railway tickets, trucks negotiating, self-help purchase, etc. The people's livelihood makes personal finance service brand, the development of medical insurance card, campus pass, pass, accumulation fund capture card and other products, through the electronic channel and electricity, traffic violation, water, extraction housing accumulation fund, etc, to bring the "innovation, self-help pay with enjoy" card experience. The bank's base strategic product had great progress, by the end of 2012, bank card effective card amount breakthrough 660000 pieces, card installment trading group listed the first branch. Mobile phone number of bank customers realize multiplication development, personal net, enterprise net silver-colored client number achieve 50% growth in the forefront of the industry, the scale amount. The third party save tube business clients number breakthrough 350000 households.