Age of Dreams

If 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 when it was established, Fairy Bank did not carry out ordinary RMB deposit and loan business, they 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, you bring 100,000 yuan to Fairy Bank and want to deposit it for a three-year or five-year term. Sorry, Fairy Bank cannot accept deposits.

In fact, among the people, the reputation of Fairy Bank has always been very high. Not to mention the deposit of funds, but the service attitude and problem-solving attitude of Fairy Bank are very popular among people.

Nowadays, many young people usually have the mentality of "who are you, why should I accommodate you", so they don't like the behavior of state-owned enterprises and public offices, and they often make a little awkwardness Come.

Take the bank as an example. The media often use the bank as an example, saying that someone is causing trouble in the bank today, and who is making trouble in the bank tomorrow... etc., etc., but they never After thinking about it, it's strange that young people are used to the old-fashioned style of banks in Huaguo!

I'm here to save money and enjoy services, and even the loan is for you to increase your income. Why do you still stare at me with dead fish eyes, with a paralyzed expression on your face, and you will die if you ask me anything?

In this regard, the staff of Fairy Bank did not learn from domestic ones at all, not even from Hong Kong. They directly learned from Japanese bank practitioners.

The Japanese are bad and wrong in all kinds of ways, but their attitude and professionalism in the service industry are definitely world-class.

Therefore, under the help of Citibank and with the help of Xiao Qi's ordinary Japanese friends, Sumitomo Mitsui Bank, the second largest bank in Japan, sent more than 20 middle and low-level managers to specialize in the opening training of Fairy Bank. , came over and taught the employees well.

The Japanese are very strict. When doing business with the Japanese, the Japanese are not demanding when you see them. Just smile at you very loosely, then you have to be vigilant, most Japanese people have other plans in their hearts.

So this group of Sumitomo Mitsui Bank managers were extremely harsh when they first came up. At that time, more than 2,000 employees were trained together, and more than 300 people could not bear to resign after half a month. After the three-month training was over. There are only more than 1,200 people left.

However, those who stayed have already been initially approved by the teachers of Sumitomo Mitsui Bank. After three months of opening and working in actual positions, more than 200 people were resigned, and only 900 people remained in the end. 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 it is the counter or corporate business, or the front-line staff of mortgage loans and other businesses. As for the staff in the aspect of human resources and logistics, they all come according to the training method of Sumitomo Mitsui Bank, at least in terms of the attitude and rules towards customers. It must not be worse than Sumitomo Mitsui Banking Corporation.

Xu Weihong pays great attention to this point, even in terms of telephone customer service. He all asked to be on par with Japanese customer service.

Although the employees who are used to the lazy and condescending attitude in China are not used to it at first, they prefer to be domineering like the seniors of other banks, but the salary conditions offered by Fairy Bank are very good and the treatment is high. You can only be obedient, and you must do what you want.

Over time, this concept of serving the public has taken root in the hearts of the staff of Fairy Bank, and they don't feel bad after getting used to it.

Moreover, the public can feel the service atmosphere. Whether you have a good attitude towards them, there is no need for any TV publicity at all. The commercials are shot as beautifully as flowers, as long as they come a few times by themselves, they can feel it.

What's more, the banking industry in China has always been so domineering. The Fairy Bank is so polite and enthusiastic, it's like a scorpion shit-the only one.

Word of mouth, whether good or bad, spreads.

The good reputation of Fairy Bank has spread to every corner in such a year or two, making many young people praise it. It is a good thing for them to deposit money here, and then open online banking, Zifubao, Xiaoyao Wallet, etc. I am very relieved.

Even many old people, after hearing the praises from their children and grandchildren, brought cash and wanted to deposit it in the Fairy Bank, but due to the rules, the Fairy Bank had to send them away with an apology.

These old people heard that it was the regulation of the bank, but they did not scold the Fairy Bank, but scolded the bank thoroughly, and after returning, they praised the Fairy Bank, and their impression was even better.

Don't underestimate this kind of word of mouth, in the increasingly prosperous online shopping tide, word of mouth is more important than anything else.

Just like Xiaoyao Mall, people are used to shopping there, and it is difficult to go to another B2C business website. The growth rate of Amazon last year was only 17%, far lower than the 226% growth rate of Xiaoyao Mall. Rate is the best proof.

Originally, Baidu Company cooperated with Japan's Lotte Mall and wanted to develop a B2C mall, but seeing the rapid development of Xiaoyao Mall, they were still a little apprehensive, wondering whether they should join this battle.

It is great to succeed, but if you fail, you will suffer heavy losses.

Back to the topic.

The same is true of the banking industry. Banks actually have no assets, and most of their assets are deposits of ordinary people.

It sounds a bit disturbing to say this, but it is true.

Therefore, the highest quality asset of a bank is their reputation.

Once the bank has a reputation, no matter how they fall to the bottom, they will be able to make a comeback if they have users who trust them.

Once the bank loses its credibility, the run will come immediately. No matter what kind of bank you are, as long as you are approached by unrestrained runs, it must be close to collapse.

To put it bluntly, if the five major commercial banks of China Agricultural Industry and Construction of Jiaotong University do not have the endorsement and support of the government, with their business model and mistakes, etc., they would have been surpassed by other banks for a long time, and they may even fail!

In the field of online commerce in the future, major banks will definitely fight desperately for a share, given their huge strength and background. There is no way for Fairy Company to compete with them-state-owned banks with assets of several trillions and influence of tens of trillions at every turn. Where can a private company compete?

But Fairy Bank can make preparations in advance, take root among ordinary people, let them feel the benefits of Fairy Bank, and gradually get used to relying on the services of Fairy Bank. How the bank poached corners. What can be done is limited.

In another thirty years, people from the age of 16 to 60 will use the Internet to shop, which is equivalent to the users of physical offline banks.

As long as you think about the five or six billion users, you can imagine how huge this market is, and how much benefit Fairy Bank will get from it!

It is precisely because of such a long-term thinking that Xu Weihong has to lay a solid foundation from the beginning, and dare not be negligent in the slightest.

"Qi Shao. I am most amazed by Mr. Xu's apprentice!" During the meal, Ma Hua sighed. "Firstly, I feel that I have nothing to teach him and I can retire; secondly, I think that if he had appeared in front of me a few years earlier, then he would definitely be the president of China Merchants Bank! At that time, we will definitely be able to beat the first few, at least we will be able to enter 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 owned by the State-owned Assets Supervision and Administration Commission of the State Council. It is also a state-owned asset.

But they are not very compatible with the banking system. The resources obtained by the establishment of diplomatic relations between China, Agriculture and Industry are much more than that of China Merchants Bank. This is what makes MCA the most unconvinced.

Under such circumstances, MCA can still bring China Merchants Bank to the point of sitting on the ground. It's also what he's most proud of.

"Hehe, President Ma, you are being modest." Xiao Qi shook his hands upon hearing this. "Old Xu just entered the banking industry not long ago. Fairy Bank needs an old and strong veteran like you to sit in charge. You signed a 10-year contract with me. You can't just let go of the burden in about three years?"

"Yes, President Ma has a lot to learn in dealing with people and things. I still have to learn a lot before I can meet the requirements." Xu Weihong said with a smile beside him.

"Your biggest shortcoming is that you are too honest." Ma Hua is actually very satisfied with his apprentice. He drank a sip of wine and said, "But in terms of being a bank, honesty is the most reassuring thing. Especially after the country will further loosen the restrictions on private banks in the future, your personality traits that will make the above dissatisfied are suitable for the further development of our Fairy Bank! Work hard, my old man still has time to see if you can Make Fairy Bank bigger!"

"I will not disappoint Qi Shao, President Ma and those who care about me." Xu Weihong said seriously.

He was telling the truth.

Needless to say, Ma Hua taught him with all his heart and soul, and his life's Bole and benefactor Xiao Qi also gave him the motivation to work hard to repay.

If it wasn't for Xiao Qi, his mother would definitely not have been healed well, and she wouldn't be getting stronger and stronger now.

If it weren't for Xiao Qi, Xu Weihong himself is still a helper in a small restaurant, even if he was in his early years, he wouldn't be able to look like he is today.

Xu Weihong is not only a filial son, but also a person who knows how to be grateful.

Since Xiao Qi has great kindness to him, then he will desperately complete every task Xiao Qi entrusts to him. Only in this way can he be worthy of his heart!

The same goes for Fairy Bank.

Xu Weihong did a good job as the vice president of Fairy Company, and he was very inexperienced and inexperienced in banking, but Xiao Qi gave an order, and he went to Fairy Bank without thinking, and brought Fairy Bank all the way. where it is now.

Although MCA has contributed a lot, Xu Weihong, who works more than 12 hours a day on average, is definitely one of the most important figures in Fairy Company!

Fairy Bank has developed all the way, and Xu Weihong has also grown into a qualified banker. How much painstaking effort and hard work has been spent in it, few people outside know!

As a boss, of course he likes such subordinates the most.

Xiao Qi often thinks, if there are so many talents like Xu Weihong in his subordinates, then Fairy Company will definitely develop more steadily and smoothly! (to be continued ~^~)