Thinking caused by "Account Cleanup"

The vigorous account cleanup made everyone really "happy"! Customers came to inquire one after another after receiving the text messages. Account cancellation and trying not to add new ones will pervade the entire banking world for a long time.

Speaking of account cleanup, it is a matter left over from history.

First. In the early years, due to land acquisition by local governments, a large number of farmers began to open accounts. One account is one account. Some farmers even have more than ten such accounts.

Second. There are no restrictions on opening personal accounts. It is normal for one person to have multiple accounts. Some accounts have not been used for a long time and are "sleeping accounts". Some accounts are not used because they are lost, have not been reported as lost, and have not been cancelled. account and reopen a new account.

Third. The limitations of customers’ understanding of accounts. Some customers think this is a salary card, and they need to open one and bind it to online payment, or open one to pay utility bills, gas bills, or a personal account is actually used for company business transactions.

Fourth. Unfair competition means poaching and soliciting deposits between outlets and regions, causing customers to add new accounts and retain accounts in order not to offend each outlet.

Fifth. Each business outlet has a requirement for the number of accounts to be opened, which is directly linked to employee wages, and the penalties are heavy, resulting in additional efforts.

If the central government had not introduced account opening classifications in 2016 and classified the nature of accounts, it is estimated that a large number of accounts would have been created. The impact on the spread of telecommunications fraud in rural areas and schools would be huge.

One account sold for 8,000, which is quite tempting for farmer friends. How much grain do you have to grow and how much vegetables do you have to sell to get it? Calculated using the current market price of rice, a pound of ordinary rice is 3.5 yuan, which means about 2,286 pounds of rice will be sold. One acre of land is approximately 666.67 square meters. Based on the local calculation of one season per year, 300-600 kilograms of rice can be grown. It is necessary to contract nearly 4 acres of land from the government, and if the time, place and people are favorable, this is basically a year's income. If I switch to selling vegetables, if the cabbage is 5 yuan per catty, I will sell 1,600 catties of cabbage. The growth cycle is 45-60 days, and there are many rounds of luck... Think about it, selling a personal account is easy to do, compared to doing farming, it is really a waste.

Let’s talk about the impact of selling accounts on students! Since ancient times, there has been a folk song of "hungry father, hungry student". Who has never been a poor student? For example, for students in vocational schools near the company, 5,500 for tuition and miscellaneous fees, 800 for monthly living expenses, 8,000 is not close to the cost of one semester. Come on.

The temptation of money, low personal quality, and customers’ lack of understanding of account usage create opportunities for criminals to take advantage of. That’s why today’s account cleanup is urgent!

It seems like you are just paying for past actions! In the face of data, many times it is only after the case is formed that the management considers the seriousness of the matter! Why is this happening?

In fact, it is pattern awareness!

Take drinking water as an example. Doctors tell us to drink 1600-3000ml of warm water every day, plus 40 minutes of exercise, which is most beneficial to the body; and then for two hours of rehydration, 200ml , and it is recommended not to drink it all at once. Swallow it in small sips for best absorption. However, many people wait until they are thirsty or very thirsty before they choose to drink water. Often the body is already very dehydrated by then, and it is impossible to quickly distribute it to various organs of the body by drinking large gulps of water.

We are well aware of the possible impact of having many accounts. Not everyone has a lot of money in many accounts. Most people will only get used to using one account in the end, but what about other accounts? , either sleep for a long time, or let others use it.

According to the instructions of the "Civil Code", personal accounts are private and are limited to personal use. However, in order to develop business and seize the market, most people will choose to quench their thirst by drinking doves and solve the current difficult problems first. Solved, this is no different from a doctor asking for water. You have to wait until something goes wrong to see the impact of the problem.

We often struggle with the same issues because we only consider immediate interests and fail to take into account what will happen in the future. But causing future events to occur is often a reflection of present behavior.

Many managers at the operating level have climbed up from the grassroots level and are really familiar with the process. However, after the role change, considering the differences between parties, they often choose the general direction, and Giving up details to complete tasks is a good thing from the data point of view, but the customer cake seems to be moved from here to there, and the total amount of society has not increased.

Then the manager is changed every three years, and the cycle starts again. Now when we choose to clean up these existing accounts, some customers have formed the habit of using a certain account. They use it well, and the experience is great after going back and forth. Not good, it is also detrimental to the development of the enterprise.

Furthermore, spoil your customers.

Customers come first, and customers are God. Our staff do not have the business acumen to make customers adapt to us, but choose to work hard to meet customer needs.

Take the payment of land expropriation funds as an example. If an account is counted at the beginning, and then each payment is put into this account, the government and the contact personnel will inform the customers to use the account flow inquiry and SMS reminder functions. That will reduce the need to open many accounts. These two functions are free of charge. They are free and easy to manage. Customers will not refuse.

These are issues that can be agreed upon before the work begins, and they are also directions for cooperation. Our relationship with our customers should not be one of being humble and unreasonable, but should be one of "you have needs, I have the market" and we seek cooperation without affecting our interests.

From a policy point of view, account cleaning is part of the card disconnection operation, and is based on protecting the safety of customer funds. But a deeper understanding is indeed to fill the system loopholes and prevent fraudsters from taking advantage of them.

As an ant colony, although it does not have the so-called eyesight of a manager. But this thing still gives people inspiration:

Awareness of the big picture and attention to details. The macro will of managers is important, but it is the details that help the company go further. The sustainable development advocated by the country should come from this.

Maintain the concept of being prepared for danger in times of peace. Why are the police always catching thieves? Because thieves have been digging into the corners of society in order to survive; it’s not that thieves are great, but that in a comfortable environment, people often forget pain and unhappiness.

Seek truth from facts. When setting goals, managers cannot follow others' opinions and must base them on market data and specific conditions. Blind expansion will only form a "bubble" and is not conducive to the solid development of the enterprise.

Stable corporate culture and innovative ideas. The service industry pays more attention to customers' experience and loyalty when using products. The reason why we like something is that in addition to the fact that the thing itself makes us happy, the most important thing is that it is useful and brings constant surprises.

There are many things in society, but more importantly, we should maintain our original intention and treat others with integrity. But we must also be wary of the temptations of society. We do not harm others, but we must learn to guard against them. This is very tiring, and it’s not the world I like, but interests kill people.

Those are the things that come to mind right now! That may not be correct, please give me some advice and encourage me!