金融服务站多点开花 建设银行抢滩社区金融

A less than 30 square meters of shops, a plurality of 24 hours self-service terminal equipment and the third party payment machine has the order operation. At first glance, that is the traditional bank self-service area. Go in, but a little bank "dot" feeling, comfortable sofa, the fragrance of the tea, neat rack, comes to the people. Some are asking the staff, some operating in self-help machines, some of them are readily pulled the newspaper, to sit down and rest your feet "".
This is the China Construction Bank China Guangdong branch in the community service platform, the name of the "financial community service station". According to the Construction Bank Guangzhou branch personal financial department of Guangdong Province, the person in charge, the current construction bank building in Guangzhou area comprehensive community financial service station has 7, among them and another 2 are under construction, Yuexiu, Tianhe, Haizhu, Panyu, Nansha, Luogang and other regions are distributed.
It is understood, in addition to the Construction Bank, Guangzhou and several other banks have to enter the community action, and most of the financial community service station form. Industry experts said, the financial service to the community, is a "down to earth" thing, well received by the community residents, but the funds and manpower cost investment is larger, the higher requirement to the soft service, won't have too big effect, the commercial banks to carry out community financial services aimed at long-term, banks pay more attention to the management benefit and the social responsibility of unity, but also pay more attention to customer needs and market segmentation.
Community residents: financial life usher in "good assistant"
Nearly seventy years, uncle Liu in the Dongshan adhering to the residential community for thirty years, the construction of community bank in financial service station has not yet completed, uncle Liu monthly were run on the banks of the habit, had to do is simple business pay utilities, gas charges, the team will take ages. Now, the construction bank staff several "guidance", uncle Liu paid the company's equipment for third party is very skilled. "Don't forget the password, do not do other complex business, really don't have to go to the bank." Uncle Liu feel a financial service station really solve the problem.
Understand according to the reporter, Dongshan ruled community is the Construction Bank in the Guangzhou region the most mature financial service station. In be in power community financial services station site, station setting machine, Internet and telephone banking terminal, easy payment terminal and selling the service terminal self-service equipment there are a lot of taiwan. In addition, convenient medicine box, water dispenser, glasses and other supporting public facilities can be found here. "Is the focus we create home bank idea, just a savings card, you can easily at home to complete withdrawals, transfers, recharge, payment or even a movie ticket exchange more than 10 kinds of additional service." The Construction Bank official said.
Construction Bank Guangdong branch vice president Li Min said, the Construction Bank financial community service station to take "self service + exclusive Advisor" service mode, comprehensive financial services for the community residents of the design set settlement, financing, financial management as a whole.
Exclusive consultant service is how to develop? Li Min said, each community financial service station are linked and the corresponding branch, and is equipped with network consultant team, appointed a financial adviser as specific community exclusive consultant. From the Construction Bank of China Guangzhou Dongshan Branch Liu told reporters, as a member of the team, he has "ordered" to uphold the community to provide multiple financial advisory services. At the same time, as the link between the hook ruled community branch, Dongshan Branch was two afternoons a week and Saturday morning, arrange manages more than 20 outlets alternately at the service station held financial knowledge propaganda activities, to the community residents, universal access to prevention of counterfeit anti financial fraud, bank cards and electronic bank risk prevention and other related financial knowledge, or a combination of the specific situation and the hot current domestic and international economic and social, financial situation, financial institutions to invite other cooperation (such as securities, insurance, fund, small loan company) jointly held a financial seminar, free of charge to the community residents investment planning, retirement planning, insurance planning, tax planning, estate planning and other related personal financial knowledge.
The personage inside course of study: bank to enter the community to long-term
"The future of the Construction Bank will also help the government platform, will strive for booking, registration and other more social service project into the financial community service station, in order to realize the 'smart community' construction to provide financial security." According to the official responsible for the Construction Bank said, let the community financial service station as far as possible "cover and contain everything", and its purpose.
Reporter discovery, in addition to the traditional marketing methods, micro Bo, Micro message and other new tools have become the financial services community helpers, from the Construction Bank of China Guangzhou Dongshan Branch Liao Meizi told reporters, for the convenience of residents of the community contact interaction, she built a financial service station officer Fang Weibo, and often related financial services issues and community residents interactive, DMS. Micro Bo operation since, has expanded nearly three hundred fans. Are ruled for community residents.
Analysis of industry experts say, community groups in the property determines the residents of long-term living together, are in the habit of approximation, a significant effect, commercial banks in financial community, the purpose is to further enhance service viscous, enhance identification, to service a group of final drive effect a.

In the Construction Bank Guangdong branch is responsible for the relevant people, make community financial services and enhance the relationship between the overall quality of service are closely interlinked, he gave reporters lists a set of data, such as adhering to hook outlets customer community service station average waiting time from the original 8 points 25 seconds to 7 minutes 12 seconds, amounting to 15%, explain how to select the channel customer service for more diversified, the result is a multi benefit. "To the network will not be in the community can handle business, network and other customer satisfaction has naturally increased."
Data shows, be in power community financial services station three quarter of this year, the cumulative held financial salon or 32 lectures, participate in the customer more than 400 people, anti false, organization RMB card security, insurance knowledge popularization and other large customers advisory activities 6, accept customer consultation nearly 600 people, the whole people has bigger growth. Despite the obvious effect, but the Construction Bank still expresses, will not be selling mode is introduced into the community financial category, nor for the relevant non cash business in the community.
"We stand not in product marketing, but to provide consulting services for the community residents, faq. If a customer needs for business, we will guide them to nearby locations for." The community network for people that ruled hook.
Business experts say, bank to abandon the product sales, "a puzzled thirst" strategy is a wise, the long-term practice but is conducive to accurate understanding of the diverse financial needs of the residents of bank, or for the development of customized financial services products provided a new platform.