Storage method of bank employees

How do bank employees collect deposits? Talking about the skills of bank counter staff to collect deposits. Deposit is the foundation of the development of commercial banks. Only when commercial banks absorb deposits can they have working capital. Let me show you how bank employees collect deposits.

The storage mode of bank employees: storage ideas

? Deposit? As the name implies, it is to absorb customers' idle funds through marketing. We can't generalize about the counter staff. According to different customers and different needs, we should make different responses and adopt different methods, so this is the key to the success of inventory.

1. Regular period is the main one, supplemented by current period. As we all know, the most important thing in bank deposits is stability. It's no use bringing in your savings today and taking them away tomorrow. In reality, we can't guarantee that every deposit will be stable forever. We can only live and work in peace and contentment with time deposits as the mainstay and demand deposits as the supplement. But in a sense, demand also has its advantages. First, its operating cost is higher than that at the end of fixed deposit period, the current interest rate is 0.35%, and the fixed deposit (one-year) interest rate is 3.25%, which is different for bank profits. Second, the current account funds have changed greatly, and there is a possibility of substantial growth to some extent.

2. Disperse risks and reduce fluctuations. Banking itself is a high-risk industry. The key is to see how I face risks, analyze risks and deal with risks. Of course, the risk of teller's deposit is whether the customer's deposit will change greatly. My view on this issue is to cast a wide net and spread risks. Take a very simple example: a customer with 6.5438+0 million deposits, ten customers with 6.5438+0 million deposits and ten customers with 6.5438+0 million deposits are likely to have higher deposit stability than a customer with 6.5438+0 million deposits. Therefore, we should not only rely on big customers, but also accumulate a large number of small and medium-sized customers while marketing big customers, forming a stable situation in which the size coexists and complements each other.

3. Customer first, benefit first. Banking is also a service industry to a certain extent, and customer first is also the business philosophy that commercial banks have always adhered to, which is not limited to quality service, but more importantly, customer interests. Everything from the customer's point of view, from the customer's interests seems to be the principle of every bank employee, and the counter staff is not only the closest contact group between commercial banks and customers, but also an important channel for banks to market customers and a direct participant in risk prevention. Therefore, the counter staff must pay special attention to the interests of customers in the idea of taking care of customers. Under the premise of controllable risks and appropriate risk preferences, we will actively and correctly guide customers to manage their finances for the immediate interests of customers. Within the scope of customer demand and risk tolerance, recommend financial products with good yield and appropriate product cycle to achieve mutual benefit.

Bank employees' deposit methods: deposit skills

Counter inventory is a very important part of counter service for tellers, and it is also an important embodiment of counter personnel's marketing ability. How to use inventory skills to improve service level and marketing performance is a very confusing thing for counter staff. Different customers adapt in different ways, which varies from person to person. The key is to talk more about marketing, learn to observe words and feelings, and understand customers' psychology and needs. Since the two marketing meetings, I have summarized several methods to share with you according to my personal experience in counter inventory.

1. Trade in the old for the new, and collect and store it indirectly. At present, among bank customers, some bank cards used by customers are zodiac cards and bus cards. It was processed many years ago. Under frequent use, most cards are blurred, the magnetic stripe is insensitive and the cards are damaged. This also creates opportunities for us to collect deposits. By replacing the new card for the customer, we can easily collect all the funds under the customer's name to our own outlets. This is the first step, and then we can recommend various deposit forms such as lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, and seven-day notice deposit to our customers to make our deposits more stable. Of course, there will be many problems. For example, some customers are very concerned about their card numbers and are unwilling to change their original card numbers. When encountering such problems, we should be flexible. On the premise that it takes a long time to change the same card number, and the card cannot be used normally during the card change, the idea of not canceling the old card is adopted, and the idea of using the new card and the old card at the same time and gradually converting them is put forward to guide customers, so that customers have enough time to gradually convert all the business on the old card to the new card, which is acceptable to many customers.

2. Turn the current period into a fixed period and guide the income. As we all know, the current interest rate of banks is much lower than the fixed interest rate. In our customer base, there are often some customers who don't pay attention to this. When you meet customers in different places, you can use this as a breakthrough. At the same time, you can calculate an account for the customer and tell the customer that if the deposit of 654.38+ 10,000 yuan in the account is kept for one year, the interest is only about 400, but if it is kept for one year, the interest is 3250 yuan. The longer the deposit period, the higher the interest rate, which is both stable and freely accessible. After listening to our calculations, customers may think that it is also a current deposit and a fixed deposit. In the absence of a better investment project, it is better to save it for a fixed period.

3. integral gifts, interest temptation. Among our customers, there are often some customers who are mainly middle-aged and elderly women, paying special attention to the feedback and gifts in the activities. In the course of our business, if we mention the exchange of deposit points for gifts, they will feel that it is very real to get free gifts by participating in activities, and then they may agree to our recommendation without affecting their financial management.

4. With the advantage of VIP, improve the customer level. For customers with small personal deposits, a series of preferential policies such as business priority and commission discount are often attractive. In the face of such customers, you can recommend the way to handle VIP cards. If customers have such needs, then we are not far from success. When telling customers how to improve AUM value efficiently and quickly and successfully handle VIP cards, customers will naturally fully cooperate with our deposit requirements. When we face gold and platinum customers, it is difficult, but it is not impossible. As long as customers are satisfied with your service attitude and recognize your business ability, they can also rely on the upgraded level (gold to platinum, platinum to diamond).

5. Lock the target and attract nicknames. When we do business, we often find some customers with large deposits, but they are not customers who open accounts in this branch. At this time, some beautiful bank cards we usually reserve can often come in handy. Large and medium-sized customers like this are often interested in beautiful and auspicious figures. If we apply for such a card number for the customer, the customer will accept it and use it as the main card. Therefore, we must pay more attention to the card number of our ordinary savings card, or always pay attention to the number selection system of settlement cards, and leave the carefully selected card numbers to those customers who can bring a lot of deposits.

6. Cut to the chase and let the truth affect you. In the process of collecting deposits, there are often some customers who make you helpless and unable to absorb deposits. At this time, we might as well try to come straight to the point and tell your customers about your deposit task and great work pressure. Although the society is realistic, it is not absolute. Perhaps such a direct, undisguised and frank request will be recognized and helped by customers. However, it should be noted that such an emotional approach must be based on enthusiastic service attitude, professional business ability and strong appeal.

Bank employee deposit collection method: maintain deposit customers.

Many tellers think that everything will be fine if they bring in customer deposits, and they will not maintain or communicate afterwards, which is a big taboo for our counter staff. In the context of fierce competition in commercial banks, it is easy to lose customers without timely maintenance and close attention to customer dynamics. For a very simple example, if customers go to other outlets to do business on the day when our outlets close every week, it is easy for Esay's counter staff to poach them through various channels. Therefore, timely and effective communication and maintenance after storage is particularly important.

1. Master customer information and keep in touch with customers. Our counter staff has a large number of customers. If we don't pay attention to the collection and summary of customer information at ordinary times, it is difficult to remember some basic information and investment preferences of customers. Therefore, we can remember the customer information by copying the deposit slip and taking notes. In our spare time, we can use these materials to protect our customers by telephone, text messages, home visits and other forms. A short phone call, a kind word and a careful home visit are trivial things, but they are enough to let customers know that we attach importance to them.

2. Provide customers with bank information in a timely manner. Bank policies change from time to time, and bank information is updated every day, but these customers often can't get to know it at the first time, so it often brings inconvenience in some business aspects. You can inform customers of a series of information such as bank deposit interest rate adjustment, business process change, wealth management product update, time deposit expiration, etc. By phone or text message, this can not only help our customers, but also bring convenience to our work.

It is no exaggeration to say that marketers win the world and depositors win the world. Excellent deposit performance is very important in terms of the overall operation of commercial banks and the self-interest and development of bank counters. Therefore, as the closest contact group between commercial banks and customers, counter staff must do a good job in inventory while ensuring the 7+8 quality service, because only in this way can mutual benefit and common development be realized.