What are the difficulties that banks generally face? How to market customers, do amateur recruitment and maintain customers?

First find out what banks rely on to make money, and Baidu will do it first.

The bank is an old silver village, and now there are many channels for banks to make money.

1. Deposit and loan spread; 2. Intermediate business; 3. Handling fee; 4. Inter-bank loans; 5. Funds, wealth management, gold, etc.

This bank operates in Qian Shengqian.

Then, the main problem of Qian Shengqian's business is where the money comes from, and how to make money with money is the main problem and the biggest difficulty for banks.

1. It is limited to generate money only by the bank's own money. Therefore, it includes public and private savings, as well as credit card business. , is the main source of funds. Therefore, the wars between major banks in this area are still fierce every year;

2. Loan. Such as mortgage, mortgage loan, company project loan, etc. It is also the trouble of the bank.

3. Other businesses, such as small loans for small and medium-sized enterprises, are also ways for banks to tap the demand for deposits and loans.

Marketing customers?

Bank customers are divided into deposit customers and loan customers, and their marketing methods are different.

But the same point is 1. Interest-driven; 2. Service-driven; No matter what the driving factor is, it mainly depends on the comprehensive value evaluation of banks by customers.

At the same time, bank brand building is very important for retaining existing customers and developing new customers. Reputation brings customer loyalty, and ultimately makes customers rely on the brand of the bank.

Amateur storage?

Banks usually have quotas for internal employees. Amateur storage has become a headache for bank employees every year.

As an internal implementation of the bank, the amateur recruitment of employees is actually equivalent to the enterprise implementing the task system for the terminal, but there is no reason to train and maintain the terminal.

Imagine that informal business people, with different identities, will have different starting points and different efficiencies.

Therefore, since we want to do inventory, if it is aimed at enterprises, unless it depends on relationships. If you want to store or develop credit card business for individuals, I suggest you learn from the film police. The salesman in the store will change from selling products to selling personal brands, and the efficiency and effect will be much better than that of stalking.

Maintain customers?

Maintaining customers is a collective behavior of banks, including customer service to solve format problems and so on.

Here's a detail. Many banks don't seem to care. Many users often open many cards or passbooks in a bank, but some have only a few passbooks, and some have dozens. For customers, these passbooks sometimes pile up there and will not be sorted out, and some even lose them after a long time. Banks should start such business. For registered users in real-name registration system, if customers need it, they can transfer all their bankbooks to the established accounts. Banks can remind customers that customers can choose. But remember not to send a message to the customer saying that you still have a passbook. Do you need a passbook? Many people's "small coffers" may be exposed from now on.

The basic point of maintaining customers can refer to "marketing customers".