If I have to say there is any regret in the development of Fairy Bank in the past two years, it is the absorption of deposits from ordinary residents.
According to the promise made when it was founded, Fairy Bank did not carry out ordinary RMB deposit and loan business. They were only involved in online commerce, and later added a loan business for small and medium-sized enterprises related to online commerce.
To put it simply, if you bring 100,000 yuan to Fairy Bank and want to deposit for three to five years, sorry, Fairy Bank cannot accept deposits.
In fact, among the people, Fairy Bank has always had a very high reputation. Not to mention the matter of depositing funds, but just talking about Fairy Bank's service attitude and problem-solving attitude, people like it very much.
Many of today's young people usually have the mentality of "Who are you? Why should I accommodate you?" Therefore, they don't like the behavior of state-owned enterprises and public institutions, and they often cause a little awkwardness.
Come.
Take banks as an example. The media often use banks as an example;;+zi, saying that so-and-so people are causing trouble in the bank today, and who will cause ridiculous trouble in the bank tomorrow... etc., etc., but
They have never thought that it would be strange for young people to get used to the old-fashioned style of banks in China!
I'm here to save money and enjoy services. Even the loans are to increase your income. Why are you staring at me with a pair of dead eyes and a paralyzed expression on your face, and asking me something that will kill you?
In this regard, the staff of Fairy Bank did not learn from those in China at all, not even from Hong Kong. They directly learned from employees of Japanese banks.
There are all kinds of things that are wrong with the Japanese, but their attitude and professionalism in the service industry are definitely world-class.
Therefore, with the help of Citibank and the help of Xiao Qi's ordinary Japanese friends, Japan's second largest Sumitomo Mitsui Banking Corporation sent more than 20 middle and low-level managers to conduct training during the opening of Fairy Bank.
, came over and taught the employees a good lesson.
The Japanese are very demanding. When doing business with the Japanese, if you see that the Japanese are not demanding and just smile at you in a relaxed manner, then you should be wary. Most of the Japanese have other plans in mind.
Therefore, this group of managers from Sumitomo Mitsui Banking Corporation were extremely harsh from the beginning. At that time, more than 2,000 employees were trained together, and more than 300 employees resigned after half a month. After three months of training, only
More than 1,200 people.
But those who stayed had already received initial recognition from the teachers of Sumitomo Mitsui Banking Corporation. After three months of opening, more than 200 people were dismissed after working in actual positions, and in the end, only more than 900 people were left.
People are the first batch of employees who can truly become Fairy Bank.
After continuous development and growth, this group of employees now has more than 6,000 employees.
Whether they are front-line staff at the counter, corporate business, mortgage loans, etc., or staff in human logistics. They are all trained according to Sumitomo Mitsui Banking's training methods, at least in terms of attitude and rules towards customers.
It must not do worse than Sumitomo Mitsui Banking Corporation.
Xu Weihong attaches great importance to this point. Even in terms of telephone customer service, he requires it to be on par with Japanese customer service.
Although the employees who are accustomed to the lazy and condescending attitude in the country did not adapt at first. They preferred to dominate like the seniors of other banks, but the salary conditions offered by Fairy Bank are very good. The treatment is high, and they
You can only be obedient, and you must do what is required.
Over time, this concept of serving the public has taken root in the hearts of the employees of Fairy Bank, and once they get used to it, they don't feel any difference.
Moreover, people can feel the atmosphere of service. Whether you have a good attitude towards them or not, there is no need for any TV promotion. The advertisements are as beautiful as flowers. As long as they come a few times, they will be able to feel it.
What's more, the banking industry in China has always been so domineering. Fairy Bank is so polite and enthusiastic in serving, it's like a scorpion.
Word of mouth, whether good or bad, will spread.
The good reputation of Fairy Bank has spread to every corner in just one or two years, causing many young people to praise it. They think it is a good idea to save their money here and then open online banking, Zipay, Xiaoyao Wallet, etc.
Very relieved.
Even many elderly people, after hearing the praises of their children and grandchildren, brought cash and wanted to deposit it into Fairy Bank. However, due to the rules, Fairy Bank could only send them away with an apology.
When these old people heard that it was the bank's regulation, they didn't scold Fairy Bank, but scolded the bank. After returning home, they praised Fairy Bank's attitude very much, and their impression was even better.
Don't underestimate this kind of word-of-mouth. In the increasingly prosperous online shopping trend in the future, word-of-mouth is more important than anything else.
Just like Xiaoyao Mall, people are accustomed to shopping there, and it is difficult to go to another B2C commercial website. Amazon's growth rate last year was only 17%, far lower than Xiaoyao Mall's 226% growth
Rate is the best proof.
Baidu Company originally cooperated with Japan's Rakuten Mall and wanted to build a B2C mall, but seeing Xiaoyao Mall growing so fast, they were still a little uneasy and didn't know whether they should join this war.
It's great if you succeed, but if you fail, you'll suffer heavy losses.
Back to the topic.
The same is true for the banking industry. Banks actually have no assets. Most of their assets are people's deposits.
This sounds a bit disturbing to say, but it is actually true.
Therefore, a bank's best asset is their reputation.
Once a bank has credibility, no matter how hard it falls, they can make a comeback if they have users who trust them.
Once a bank loses its credibility, runs will immediately follow. No matter what kind of bank you are, as long as you are hit by uncontrolled runs, it is definitely not far from collapse.
To put it bluntly, if the five major commercial banks of China Agricultural, Industrial and Commercial Bank of China did not have the endorsement and support of the government, with their business models and mistakes, etc., they would have been surpassed by other banks long ago, and it is not certain that they would collapse!
In the future of online commerce, major banks will definitely fight hard to compete for share. With their huge strength and background, Fairy Company cannot compete with them. They have trillions of assets and tens of trillions of influence at every turn.
State-owned banks. Where can a private company compete?
But Fairy Bank can make preparations in advance and take root among ordinary people, so that they can feel the benefits of Fairy Bank and gradually become accustomed to relying on Fairy Bank's services. In this case, no matter the five major banks of China Agricultural, Industrial and Commercial Bank of China, and other
No matter how banks poach people, they can only have a limited effect.
In another thirty years, people as young as 16 and as old as 60 will use the Internet to shop, and they will be equivalent to current users of physical offline banks.
Just think about the user population of up to 5.6 billion, you can imagine how huge this market is, and you can imagine how much benefit Fairy Bank will get from it!
It is precisely because he has such a long-term plan in mind that Xu Weihong must lay a solid foundation from the beginning and not dare to be careless in the slightest.
"Qi Shao, I am most amazed by Mr. Xu's apprentice!" Ma Hua sighed while eating. "Firstly, I feel that I have nothing left to teach him and I can retire; secondly,
I feel that if he had appeared in front of me a few years ago, then the president of China Merchants Bank would definitely be his! By then, we will definitely be able to defeat the previous few, and at least be in the top three!
"
China Merchants Bank is a subsidiary company of China Merchants Group. China Merchants Group is also one of the largest state-owned enterprises under the State-owned Assets Supervision and Administration Commission, and it is also a state-owned asset.
But they are not very compatible with the banking system. China Agricultural and Industrial Diplomatic Relations has received far more resources than China Merchants Bank. This is also what makes MCA unconvinced the most.
And under such circumstances, MCA was able to bring China Merchants Bank to the point where it was second to none. This is also what he is most proud of.
"Haha, President Ma, you are being humble." Xiao Qi shook his hand when he heard this, "Old Xu just entered the banking industry not long ago. Fairy Bank needs an old and strong veteran like you to take charge. The one you signed with me is for 10 years.
We can’t just give up on the contract in about three years, right?”
"Yes, President Ma has a lot to learn from me in dealing with people. I still need to learn a lot to meet the requirements." Xu Weihong said with a smile next to him.
"Your biggest shortcoming is that you are too honest." Ma Hua was actually very satisfied with his apprentice. He took a sip of wine and said, "But in banking, honesty is the most reassuring thing.
Your character. Especially after the country will further relax the restrictions on private banks in the future, your character traits that will dissatisfy the superiors are suitable for the further development of our Fairy Bank! Work hard, I, the old man, still have time to see what you can do
Make Fairy Bank bigger!”
"I will not let Mr. Qi, President Ma and the people who care about me down." Xu Weihong said seriously.
What he said was true.
Needless to say, MCA taught him wholeheartedly, and his benefactor, Xiao Qi, gave him the motivation to work hard to repay.
If it weren't for Xiao Qi, his mother would certainly not have received good medical treatment and would not be getting stronger and stronger now.
If it weren't for Xiao Qi, Xu Weihong himself would still be a helper in a small restaurant. Even when he was in his prime, he wouldn't be as prosperous as he is today.
Xu Weihong is not only a filial son, but also a grateful person.
Since Xiao Qi is very kind to him, he will work hard to complete every task Xiao Qi gives him. Only in this way can he be clear in his heart!
The same goes for going to Fairy Bank.
Xu Weihong did a good job as the vice president of Fairy Company, and he was very inexperienced in banking. But after Xiao Qi gave an order, he went to Fairy Bank without even thinking, and took Fairy Bank with him all the way.
current situation.
Although MCA’s contribution is considerable, Xu Weihong, who works more than 12 hours a day on average, is definitely one of the most important people in Fairy Company!
Fairy Bank has developed along the way, and Xu Weihong has also grown into a qualified banker. Very few people outside know how much effort and effort has gone into it!
As a boss, of course I like subordinates like this the most.
Xiao Qi often thinks that if he had more talents like Xu Weihong under his command, Fairy Company would definitely develop more steadily and smoothly! (To be continued.)
Chapter 2957 The Development of Fairy Bank (Part 2: