Learning experiences of network transformation of Postal Savings Bank 1
Under the background of rapid development of banking business, the increasingly fierce industry competition, customers' dissatisfaction and expectations for bank outlets, and low efficiency of network operation all urgently require China banking industry. In order to improve the quality and civilized service level of business outlets in an all-round way and improve their comprehensive competitiveness, we should seriously study the management experience of modern banks, start from steady operation, start from providing basic financial services for urban and rural residents and engaging in low-risk asset business, and gradually expand new business to improve economic benefits by continuously strengthening the internal management and risk control capabilities of banks.
according to the current situation of the team, determine the focus and direction of training for network transformation, determine the training objects and contents, formulate and implement the training plan, and actively introduce the business philosophy and management philosophy of commercial banks. Improve the knowledge and professional structure of employees, comprehensively improve the overall quality of employees, and gradually adapt to the development needs of the Postal Savings Bank. To improve the sales capacity and customer satisfaction of retail outlets as soon as possible and realize the fundamental transformation of the functions of outlets in an all-round way, the following measures have been taken:
1.
the ultimate goal of the network transformation is to improve the network function, and realize the transformation of the network function from the original transaction accounting-oriented to marketing service-oriented. To promote the transformation of outlets as the most important task to improve employee satisfaction and customer satisfaction, improve the marketing service ability and core competitiveness of outlets, and even incite the business transformation of the whole bank to achieve work objectives.
Make clear the contents, steps, objectives and requirements of network transformation, and provide scientific basis for network transformation.
2. stick to the principle.
adhere to the principle of optimizing layout and improving efficiency. In line with the idea of "stabilizing township outlets, integrating county outlets and optimizing urban outlets", we should rationally adjust the layout of outlets and improve their efficiency. According to different regional and
economic conditions, strengthen the construction of basic outlets and self-service outlets, and focus on building a number of high-quality service outlets that can attract and stabilize high-end customers. All departments should comprehensively inspect, supervise and
evaluate the implementation of the transformation standards of outlets, and seriously investigate the responsibility for those who fail to implement them, so as to ensure the quality and effect of the standardization construction of outlets and promote the promotion of the functions of outlets through the image construction of outlets. While giving full play to the hardware construction measures such as network layout optimization, functional division, unified image, and equipment and facilities, it should be combined with software transformation measures such as network classification management, business process optimization, customer layered service, post and labor combination optimization, and network culture construction to advance simultaneously.
3. Establish a mechanism.
The purpose of transformation is to provide better services to customers and increase product sales. However, if we don't pay attention to the implementation of internal control system and the education of risk concept, or even increase the convenience of service at the expense of risk, it may lead to the failure of transformation. Therefore, we should strengthen employees' ideological and moral education and risk awareness, pay close attention to system implementation and
follow the rules, establish advanced risk control culture and compliance culture, comprehensively supervise the business environment norms of outlets, gfd norms, lobby managers, tellers and self-service equipment, and urge outlets to rectify and consolidate the effect of transformation
.
4. Improve measures.
through professional and caring services, win and retain customers, create an atmosphere of attaching importance to civilized and standard services from top to bottom, comprehensively promote the use of personal customer service information computer maintenance and management, and further enhance
customer service satisfaction. Ensure that the service quality of the transformation of our outlets can be fundamentally improved. Standardize the service marketing mode of outlets with unified standards, realize the consistency of service standardization and customer experience, so as to improve the sales ability of products and customer satisfaction. So as to improve the overall transformation of network functions and realize the steady improvement of enterprise economic benefits.
Experience in the transformation of Postal Savings Bank
Under the background of rapid development of banking business, the increasingly fierce industry competition, customers' dissatisfaction and expectations for bank outlets, and the inefficient operation of outlets all urgently require China banks to transform their existing outlets
. In order to improve the quality and civilized service level of business outlets in an all-round way and improve their comprehensive competitiveness, we should seriously study the management experience of modern banks, start from steady operation, start from providing basic financial services for urban and rural residents and engaging in low-risk asset business, and gradually expand new business to improve economic benefits by continuously strengthening the internal management and risk control capabilities of banks.