How to increase personal deposits?

Deposit is the focus of our marketing in the peak season this year, and it is also the basis for developing various businesses. So how can we achieve the steady growth of personal deposits in the case of insufficient resources and compliant operation? Now I want to share some thoughts with you. \x0d\ I think we should do the following work well: \x0d\ 1. Do a good job in steadily increasing deposits of existing customers \x0d\ (1) Adhere to basic business and expand sources of savings such as payroll and third-party depository services. \x0d\ (2) Focus on high-end customers, pay close attention to the capital trends of high-end customers, implement the details, and do a good job in customer maintenance. \x0d\ 1。 Perform the duties of account manager. \x0d\ First of all, according to the increasing customer scale, the corresponding account manager team is dynamically equipped. The second is to strengthen the hierarchical and step-by-step training of account managers. The third is to continuously improve the professional level of account managers and improve customer retention rate. \x0d\ 2。 Hierarchical maintenance. \x0d\ First, it is necessary to formulate standards and methods for classified management of customers and fully implement classified management. The second is to set up a special maintenance team composed of network leaders and account managers to deliver information and feedback in time and provide specific professional service solutions for the needs of some important high-end customers. \x0d\ (3) Give full play to the platform advantages of lobby and counter, actively tap old customers, and improve the customer level of 500,000-200,000 yuan. \x0d\ Improve the marketing awareness of tellers, and pay attention to finding business opportunities for customers who come to handle business every day. For example, for customers whose business amount exceeds 654.38+10,000 yuan, tellers are required to actively promote wealth management cards or VIP services to potential customers to attract customers to transfer more deposits: \x0d\ 1. Cash withdrawal in large amounts; Second, large time deposits are converted into demand; Third, large time deposits expire; Fourth, the deposit balance is high. \x0d\ If every teller in each of our outlets can seize every sales opportunity mentioned above when customers come to the bank to handle business every day, and actively recommend the wealth management card service to customers, and use the wealth management card to absorb customers' deposits, although the amount of a single transaction is not large, there are a large number of sales customers, and the effect of this ant soldier is no less than that of concentrating on pulling the deposits of one or two big customers. \x0d\ In addition to exploring such business opportunities among customers who come to the bank to deposit and withdraw money every day, there are opportunities for customers who come to handle personal loan repayment business, credit card repayment, business bosses who come to transfer payment, etc. The person in charge of the outlet should check the grasp of the sales opportunities on that day after work every day to see whether the potential customers who come to do business every day have opened their mouths to sell to customers as required. And at the morning meeting the next day, praise and encourage the tellers to seize every sales opportunity in time, so that more employees can participate in the excavation of old customers. \x0d\ II。 Strive to expand incremental customers \x0d\ 1. Customers introduce new customers \x0d\ Through daily contact with our VIP customers, we gradually get close to the life circle of VIP customers and get to know their friends. As the saying goes, "Birds of a feather flock together", and most of their friends are our potential VIP customers. \x0d\ 2。 Pull deposits through forums and Q group postings. \x0d\ has a strange phenomenon. I don't know if you feel the same way: although the friends of Q group come from different industries, they are always ready to deal with them. If a Q friend has any difficulties, as long as someone offers to help each other, why don't we make good use of this group? \x0d\ Using the above methods to absorb deposits comes from a wide range of customers, which makes up for the defect that deposits came from one or two big customers in the past. Long-term adherence to the strategy of promoting customers, compared with absorbing deposits from large customers, this part of deposited deposits is relatively stable. \x0d\ Third, make full use of OCRM and other systems to maintain target customers. \x0d\ Pay attention to customer information maintenance. Ask the account manager to improve the maintenance rate of the personal information and contact information of the customers under his name: At present, we often encounter such a situation: once the account manager of our outlets changes or jumps over the nest, a considerable number of VIP customers will be taken away accordingly. As the person in charge of the outlets, we feel very helpless. Therefore, if you pay attention to this point at ordinary times, ask the account manager to frequently enter the OCRM system to maintain customer information, and at the same time set two angles: A and B. Usually A will bring B when visiting customers, so VIP customers will not be so easily poached. \x0d\ IV。 Maintain and improve service quality \x0d\ 1. Do a good job in the transformation of the first-generation and second-generation outlets for mass customers. From the front desk service, in daily work, we strictly use civilized language, standardize service behavior, ensure that customers have problems when they come, cooperate with them, and leave them, so as to be considerate and enthusiastic. Let customers become voluntary propagandists of our bank, not only make their own deposits, but also mobilize relatives and friends to make deposits in our bank, which is conducive to the sustainable development of deposit business. \x0d\ 2。 Seamless service for high-end customers \x0d\ All along, our service for high-end customers mainly relies on high-quality services and personal connections, which is particularly fragile in the increasingly fierce customer competition. Therefore, to improve customer loyalty, our customer service needs to be "upgraded". \x0d\ From the perspective of customer relationship management, although our service means are not much different from other banks, and we all enjoy exclusive VIP treatment and preferential treatment, we have not done enough in many details in terms of refined services. For example, in many of our outlets, many VIP customers don't even know who their account manager is and what his name is. It shows that our maintenance of customers is not in place. Also, when the account manager changes, in foreign banks, there are usually regulations that require the new account manager to notify the customer by letter or email. The reason for the change of the former account manager will be that the new account manager will continue to provide services and introduce himself to customers. From the customer's point of view, there will be no discomfort due to the change of account manager. Our bank lacks this seamless service convergence process and management method, which needs to be strengthened and improved. \x0d\ 5。 Increase deposits through product sales \x0d\ At present, many outlets use the deposits of high-end customers in various ways. After high-end customers' money comes in, if they don't try to gradually transfer it to other products to add value to customers, this part of the deposit is still highly liquid cash, which can easily be taken away by other banks at the end of the month, the end of the season and the end of the year. Therefore, we must find ways to gradually turn the absorbed deposits into products step by step, and gradually cultivate customers' financial habits. First of all, we should develop from demand deposits to buying some fixed-income wealth management products, such as bumper harvest series products, and then suggest that customers use some money to buy some simple investment products, such as fixed investment of funds, starting with small fund investment training, and then let customers buy high-risk funds, insurance and other products. With more and more products purchased by customers in our bank, a large number of customers need to prepare a sum of money for continuous deduction every month. When the base of our customer base is getting bigger and bigger, this kind of deposit is relatively stable and is the reservoir of our deposit source. Instead of relying on the deposits of one or two big customers who are easy to move to support the deposits of the whole bank. \x0d\ VI。 Strengthen the self-service equipment management of outlets and the marketing of electronic banking products, and enhance the ability to serve high-end customers. \x0d\ Make full use of and manage self-service equipment, manage and use each self-service equipment as an employee, and improve the diversion rate of self-service equipment, thus establishing a good image of the bank, gaining a good reputation and attracting more customers outside the bank.