Age of Dreams

Vol 2 Chapter 2957: The Development of Fairy Bank (Part 2)

I have to say that there is any regret about the development of Fairy Bank in the past two years, that is, it has absorbed the deposits of ordinary residents.

According to the promise at the time of its establishment, Fairy Bank did not carry out the business of ordinary RMB deposits and loans, they were only involved in online commerce, and later added a loan business for small and medium-sized enterprises related to online commerce.

To put it simply, you take 100,000 yuan to the Fairy Bank and want to deposit it for three years and five years. So sorry, the Fairy Bank cannot accept deposits.

In fact, among the people, the reputation of Fairy Bank has always been very high. Not to mention the matter of depositing funds, that is, the service attitude of Fairy Bank and its problem-solving attitude are very popular.

Many young people nowadays usually have the mentality of "Who are you, why should I accommodate you". Therefore, state-owned enterprises and public offices make them dislike the fact that they are often a little awkward. Come.

Take banks as an example. The media often use the bank as an example, saying that what kind of people are making trouble in the bank today, and who will make trouble in the bank tomorrow... etc., but they never think about it. However, it is strange that young people are used to seeing the master style of Hua Guo's bank!

I'm here to save money and enjoy the service. Even the loan is to increase your income. Why are you staring at you with a pair of dead eyes and a facial expression, asking if you have to die or not?

In this regard, the staff of the Fairy Bank did not study domestically, not even those in Hong Kong. They directly studied the employees of the Bank of Japan.

The Japanese are bad and wrong, but their attitude and professionalism in the service industry are definitely world-class.

So with the help of Citibank, with the help of Xiao Qi's ordinary Japanese friends. Japan’s second-largest Sumitomo Mitsui Banking Corporation sent more than 20 middle- and low-level managers to teach the employees when they started training at Fairy Bank.

The Japanese are very demanding, and when you do business with Japanese people, you don't need to be demanding when you see Japanese people. Just smile at you very loosely, then you have to be vigilant, most Japanese people have other abacus in their hearts.

Therefore, this group of Sumitomo Mitsui Banking managers was extremely demanding when they first came up. At that time, more than 2,000 employees trained together, and more than 300 people could not bear to resign in half a month. After the three-month training was over, only left was left. More than 1,200 people.

But those who stayed have received preliminary approval from the teachers of Sumitomo Mitsui Banking Corporation. After three more months of opening, after the actual job, more than 200 people were quit, and only more than 900 people were left. Only then can they be regarded as the first batch of employees of Fairy Bank.

After continuous development and growth, this group of employees now has more than 6,000 employees.

Whether it is the front-line staff of the counter or the corporate business, the mortgage loan and other businesses, or the staff of the human logistics. All are in accordance with the training methods of Sumitomo Mitsui Banking Corporation, at least in terms of the attitude and rules of dealing with customers. It must not be worse than Sumitomo Mitsui Banking Corporation.

Xu Weihong pays great attention to this point, even in terms of telephone customer service, he requires that he must be in line with Japanese customer service.

Although the staff who are accustomed to the lazy and condescending attitude in the country are not used to it at the beginning, they prefer to behave like the predecessors of other banks, but the salary conditions offered by Fairy Bank are very good. If the salary is high, they can only be obedient, and they must meet the requirements.

Over time, this concept of serving the public has taken root in the hearts of the staff of Fairy Bank, and when they are used to it, they don’t feel bad.

Besides, the public can feel the atmosphere of service. Do you have a good attitude towards them? There is no need for TV promotion at all. The commercials are beautifully shot, and they can feel it as long as they come to them a few times.

What's more, the banking industry in China has always been so overbearing. The Fairy Bank is so polite and enthusiastic to serve, it is simply scorpion shit—the only one.

Word of mouth, whether it is a good word of mouth or a bad word of mouth, will spread.

The good reputation of Fairy Bank spread to every corner in such a year or two. Many young people praised themselves for depositing their money here, and then opened online banking, Zifubao, Xiaoyao wallet, etc. Rest assured.

Even many elderly people who listened to the praise of their children and grandchildren brought cash and wanted to deposit them in the Fairy Bank, but due to the rules, the Fairy Bank could only apologize and send them away.

These old people heard that it was the silver **** regulations, but did not scold the fairy bank, but scolded the silver **** happily, and after returning, their attitude towards the fairy bank was more praised, but the impression was better.

Don't underestimate this kind of word-of-mouth. In the increasingly prosperous online shopping tide, word-of-mouth is more important than anything else.

Just like Xiaoyao Mall, people are used to shopping there, it is difficult to go on another b2c commercial website. Amazon's growth rate last year was only 17%, which is far lower than the 226% growth of Xiaoyao Mall. Rate is the best proof.

Originally, Baidu had a cooperation with Japan's Lotte Mall and wanted to build a b2c mall, but seeing the rapid pace of Xiaoyao Mall, they were still a little worried about whether they should join this battle.

Success is good, but if you fail, you will suffer heavy losses.

Come back to the topic.

The same is true in the banking industry. Banks actually have no assets. Most of their assets are deposits of ordinary people.

This is a bit disturbing to say, but in fact it is.

So the best asset of a bank is their reputation.

Once a bank has a reputation, no matter how hard it hits the bottom, if they have users who trust them, they can make a comeback again.

Once a bank loses its credibility, then runs will rush in immediately. No matter what bank you are, as long as you are found by an uncontrolled run, you will definitely be close to the collapse.

To put it bluntly, if the five major commercial banks that established diplomatic relations with China, agribusiness and industry did not have the endorsement of the government, they would use their business models and mistakes and so on. I didn't know how much it was overtaken by other banks for a long time, and it's not necessarily because of bankruptcy!

In the future of online commerce, major banks will definitely fight desperately for share. With their huge strength and background, fairy companies cannot compete with them—everything is tens of trillions of assets and tens of trillions of influence. State-owned bank. Where can a private company compete?

But the Fairy Bank can prepare in advance, take root among ordinary people, let them feel the benefits of the Fairy Bank, and gradually become accustomed to relying on the services of the Fairy Bank. In this case, regardless of the five major banks established by China, Agriculture and Industry, there are others. No matter how the bank digs into the corner, the effect it can play is limited.

Thirty years later, then down to 16 years old. People up to 60 years old will use the Internet to shop, they are equivalent to the current physical offline bank users.

Just think about the population of up to five or six billion users, you can imagine how huge this market is, and how much benefit Fairy Bank will get from it!

It is precisely because of such a long-term thought that Xu Weihong has to lay a solid foundation from the beginning and dare not be negligent.

"Little Qi, for the apprentice Mr. Xu. I am the most amazed!" MCA sighed during the meal. "Firstly, I think I have nothing to teach him and can retire; secondly, I think that if he appeared in front of me a few years earlier, then the president of China Merchants Bank would definitely belong to him! At that time, we will definitely be able to knock down the first few, and at least make it into the top three!"

China Merchants Bank is a subsidiary company of China Merchants Group. China Merchants is also one of the largest state-owned enterprises of the State-owned Assets Supervision and Administration Commission, and it is also a state-owned asset.

However, they are not very compatible with the banking system. The resources obtained by China, agribusiness, and industry for establishing diplomatic relations are more than that of China Merchants Bank. This is also the most unconvincing place for MCA.

Under such circumstances, MCA can also bring China Merchants Bank to the point where it sits on top of one another. It is also the thing he is most proud of.

"Hehe, President Ma, you are humble." Xiao Qi shook his hand when he heard the words. "Old Xu just entered the banking industry. The Fairy Bank needs an old and strong veteran like you to sit in town. You signed me for 10 years. The contract, you can't carry the burden in about three years now, right?"

"Yes, President Ma has a lot of things worth learning for me in dealing with people and things. I have to learn a lot to meet the requirements." Xu Weihong said with a smile beside him.

"Your biggest shortcoming is that you are too honest." MCA is actually very satisfied with his apprentice. He took a sip of wine and swayed: "But in the bank, honesty is the most reassuring. The character. Especially after the country will further liberalize the restrictions on private banks in the future, your personality traits that will make the above unsatisfactory are suitable for the further development of our fairy bank! Do it well, my old man still has time to see if you can Make the Fairy Bank bigger!"

"I will not disappoint Qi Shao, President Ma, and the people who care about me." Xu Weihong said seriously.

He was telling the truth.

Needless to say, Ma Hua taught him with all his heart, and his life’s Bole and benefactor Xiao Qi is the driving force for him to work hard to repay.

If it weren't for Xiao Qi, his mother would definitely not be well healed and would not be getting stronger now.

If it weren't for Xiao Qi, Xu Weihong himself was still a helper in a small restaurant, and even when he was in his early days, it would be impossible to look like today.

Xu Weihong is not only a filial son, but also a person who knows how to be grateful.

Since Xiao Qi has a great kindness to him, UU read www.uukanshu.com, then he will desperately complete every task Xiao Qi gave him, and only in this way can he be ashamed of his heart!

The same goes for going to the Fairy Bank.

Xu Weihong did a good job as a vice president of the Fairy Company, and he was very lack of experience and experience in banking, but after Xiao Qi's order, he went to the Fairy Bank without thinking about it, and took the Fairy Bank all the way. Where it is now.

Although MCA’s contribution is not small, Xu Weihong, who works more than 12 hours a day on average, is definitely one of the most important figures in the Fairy Company!

The Fairy Bank has developed all the way, and Xu Weihong has also grown into a qualified banker. Very few people outside know how much effort and effort it has taken!

As a boss, of course, he likes such subordinates the most.

Xiao Qi often thinks, if he has so many talents like Xu Weihong, then Fairy Company will definitely develop more steadily and smoothly! (To be continued.)