Why is it getting harder and harder to get off to a good start?

Time flies, and in a blink of an eye, a year has passed quickly. Every season is the preparation stage for banks (serving more rural commercial banks, taking rural commercial banks as an example) to make a good start in the peak season. But after visiting many banks, I felt that it was a good start, difficult to do, big head and fierce competition. So why is it getting harder and harder to get off to a good start?

In recent years, everyone feels that all walks of life are difficult to do. Everyone has no money and no one can do it.

Although there is no money in hand, house prices have soared and the liquidity of ordinary people has become real estate. There are more than 60,000 first-tier cities, 30,000 quasi-first-tier cities, 20,000 second-tier cities, third-and fourth-tier cities 1 10,000, and even some counties, all of which are 8000, 1 10,000. Money has turned into bricks, and the whole market has no money. Real estate emptied China people's wallets.

Environmental protection, because of environmental protection, I heard that tens of thousands or even hundreds of thousands of enterprises have been shut down in Hebei, with an average of 30 people in one enterprise. How many people have lost their jobs? County economic entities have no jobs, where there is money.

Offline: At present, there are at least seven financial institutions in all county-level cities, including Chinese, agricultural, industrial, construction, postal savings, rural credit cooperatives and local city commercial banks. If there are village banks, there are eight. What's more, there are more than 20 banks in a county. There are at least 10 rural commercial banks at the prefecture level. The competition between banks is becoming more and more fierce. In the past, the rural credit cooperatives were the only ones, slowly sharing the world equally, and then sharing the world by three points or even four fifths. Everyone fought interest rate wars, gift wars, and fought back and forth, killing one thousand enemies and losing eight hundred.

Online: With the rise of Internet finance, the money fund represented by Yu 'ebao has swept the country rapidly with the development of mobile Internet. The interest is high and convenient. Especially after 80 s and 90 s, I really don't go to the bank to save money. This generation of internet people have no behavior and consciousness of saving money in banks. First, when they have enough money, how do they save it? Second, they are really troublesome. Due to the fast Internet, this generation is becoming more and more impatient.

In addition to monetary funds, there are various p2p and funds to attract funds to flow there. Of course, Internet finance also hides many bombs.

I used to deposit 50,000 yuan on a regular basis and send a set of 2.5L engine oil. Now customers are coming and want to buy more. Even many customers hold deposits. Compared with banks, I will choose whoever has higher interest rate and more gifts. Last year, the customer received oil, but this year it is still oil? Customers are getting bored. Can't you be a little innovative? What's more, take out a certificate of deposit and change it into a gift, then go to another bank ... leaving a puzzled account manager.

Account managers, tellers, lobby managers and government officials are all salespeople of the whole bank, that is, as the saying goes. However, all-staff marketing needs not only more ideas and methods. Many businesses only do training in peak season marketing and cram for the Buddha's feet temporarily. Marketing is not a short-term fast-paced job, but it is urgent. Therefore, marketers are eager for quick success and instant benefit, and customers can't dodge.

Account managers lack accurate customer classification, data analysis and customer maintenance skills.

Stock customers lack skills and management.

Traffic customer mining lacks creativity and linkage.

Incremental customer development lacks methods and perseverance.

Plan a marketing campaign, otherwise there will be so many advertising companies and marketing planning companies. But there are no professionals in this field in the industry, and a few people rack their brains to think about it. Because they are inexperienced and unprofessional in this field, the effect of activity planning and strategy is greatly reduced. The leaders in the industry are not satisfied, and the planners are very painful.

There are many festival nodes during the opening period, and each festival node should pay attention to how to design activities. However, sometimes an activity lasts for three months.

The purchase of gifts, the purchase quantity and the use of marketing funds are all measured, and professional people are needed to do professional things. Spend the least money to do the biggest thing.

In the past, the goals were all assigned in the line. Last year's task 1 100 million, this year1.300 million. Then the coefficient is 0.3 times before 65438+. Your branch completed 30 million yuan last year, so this year's task is 39 million yuan. However, the market environment around this branch has changed, or the customer group has changed, so this will not be considered.

Many goals are imposed on branches, passive leadership.

I once met an office worker who loved to buy lottery tickets. I asked him, what would you do if you won 2 million? He completed the deposit task of our bank. What about the rest? He said finish it slowly. It turns out that his task above is to save 2.4 million a year. (Sweat for him)

During the good start, we must divide the districts, and at the same time, the main leadership team members should be included. This package is not temporary, but long-term. In this way, the members of the leading group serve as the commander-in-chief of each region and are responsible for the achievements of this region.

Where leaders attach importance, there will be results, so as long as leaders attach importance to this, everyone will rush in.

Once, the members of the leading group of a rural commercial bank were very powerful. Each member of the leadership team took out 5000 yuan pk, and the competition atmosphere between districts was strong. Members of the leadership team who are also enterprising will certainly have a good performance.

In this activity, we will design five control levels.

leading group

Steering group

Propulsion group

Internal trainer group

First-line execution layer

Five levels, step by step, no supervision, no implementation.

At the same time, our meeting management is very substantial, from the project kick-off meeting to the morning meeting and night meeting of various outlets, as well as the resumption analysis meeting, as well as the phased meeting, phased commendation meeting and phased report meeting. Create an atmosphere through meetings and create a strong atmosphere better than learning.

Performance appraisal and reward distribution are the core motivation to complete the target task, so how to set up the reward distribution mechanism is very important, because this is the fundamental reason.

Often when we formulate the reward system, the overall reward system has been made, but it is not clear how each branch can be divided into two parts for everyone.

In addition, when we reward, we often make a good start and then settle accounts, and the time interval is too long. Can we award in stages? We must be very excited when we get the reward in advance. Then other people who don't get rewards will itch when they see people around them taking money, and they will work hard if they want to take it.

As we all know, the competition between banks is the fiercest in the first period. But at the same time, when our branch pk, there is only a fierce external competition mechanism? The internal pk mechanism can shape the internal atmosphere.

Training companies have a very important pk culture, that is, team-to-team pk, branch-to-branch pk, personal pk, so those who really win will really get a lot of money.

In this fierce atmosphere, sometimes you don't whip them, and they will automatically push them.

To sum up, a good marketing activity is not simple marketing, but a very perfect system, including marketing, management, performance, communication, team melting, execution and so on, which requires professional people to do professional things. Often there are many professionals in our bank, and it is not a big problem to do every job well, but we lack a comprehensive system. So it is very necessary to invite a professional team to help you design and plan.

What are you waiting for? Choosing George means choosing to rest assured.