1. Strengthen services, give full play to advantages, steadily increase savings deposits and implement specific measures.
First, establish a responsibility system for deposit work, with leaders in charge personally grasping, teams in charge specifically grasping, and all staff * * * grasping together; The second is to further improve the assessment and incentive mechanism, firmly establish the idea that grasping deposits means grasping benefits, and fully mobilize the enthusiasm of employees to increase deposits from the distribution mechanism; 3. Use the "100-day savings and deposit contest" held by the branch at the beginning of the year to enter various communities, and all enterprises and institutions should carry out publicity. They should talk directly to customers face to face. Propaganda should be thorough and meticulous, not a process and a mere formality. At the same time, it is necessary to make records, understand the customer's current and fixed deposit information and the date of regular arrival, and strive to let customers handle business in our bank. For old customers, we should contact more, strengthen communication and consolidate, and trade in the old for the new. Four. Give full play to the brand advantages of the bank's personal working capital loans, comprehensive credit loans and other businesses, and increase the use of loans to attract deposits and absorb margin deposits. The key marketing targets of this part are executives of administrative departments, enterprises and institutions.
Major customers of personal business with assets above 10000 yuan. 5. Comprehensively use the mature financial products developed by the Bank, integrate the image packaging, and play a good marketing "combination boxing" to systematically promote and market financial products such as Jin Ruyi wealth management package, customer information link, 96558, Ruyi UnionPay card, personal comprehensive credit, housing mortgage and automobile consumption credit business. Sixth, do a good job of customer return visit in time, so that customers can truly experience the sincere service of Ningxia Bank. Let them remember that Ningxia Bank Guyuan Sub-branch, if customers have other requirements, should try to meet them and improve work efficiency.
2. Take effective measures to promote the steady growth of corporate deposits.
First, strengthen enterprise deposit management and establish a one-to-one responsibility system for account managers; Companies that have opened accounts in our bank for * years, especially zero-balance accounts, need to conduct a thorough investigation to find out the reasons why they don't save money when they open accounts in our bank, and communicate effectively on the spot to try to make deposits when they open accounts in our bank, so as to ensure that these customers become our loyal customers; Second, seize local economic hotspots, timely capture deposit information, deeply tap the deposit potential of key industries, key projects and key large households, focus on starch industry, material circulation, grass and livestock processing industry, coal and electricity industry, grain and oil and other industries, continue to provide comprehensive financial services such as funds, settlement, cash and information for key large households, and cultivate new deposit growth points, with emphasis on finance, water conservancy and land; Third, look outward, actively look for large high-quality depositors, and increase efforts to tackle key problems.
Expand in the marketing area and choose excellent customers around you for marketing. Four, strengthen the full bank acceptance bill business marketing.
3. Actively explore intermediary business, further implement agency business, do a good job in market development of various intermediary businesses such as collection and payment, especially the marketing of wage earners in finance and high-paying industries, further strengthen deeper business cooperation with cooperative units, and broaden the marketing channels of intermediary business.
Two, increase the intensity of credit marketing, and strive to improve the quality of credit assets and comprehensive benefits.
Guyuan belongs to a relatively backward area, with a weak industrial base, but active trade. Coupled with coal, power plant, oil development, aircraft factory investment, starch processing and other characteristic industries, will become an important growth point to stimulate Guyuan economy. In, the Bank adhered to the market positioning of "serving the local economy and serving small and medium-sized enterprises", with the focus still on urban residents, outstanding small and medium-sized enterprises and individual and private owners. For middle and high-end white-collar customers and individual and private owners, we should seize their hearts, actively promote Ruyi white-collar and comprehensive credit loan business, do a good job in housing mortgage and working capital loans for outstanding small and medium-sized enterprises and individual and private owners, increase cooperation with guarantee companies to solve the problem of difficult guarantee, select some good customers to do it, win customers through credit leverage, put customer deposits, credit and other businesses in our bank, and give customers more ideas and find ways to gain their trust based on our interests.