Ways to strengthen the decentralized service of business outlets

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4. In practical work, people often understand service as attitude, that is, good attitude = good service. In fact, service has a deeper connotation. It's tiring and tedious to deal with customers directly, but it's a surprise when we see customers get unexpected harvest under our suggestions through our sincerity and efforts; They are satisfied with the sense of achievement after the interests of banks and customers are protected by adhering to the principles. Of course, we also have to accept the vent of dissatisfaction when the customer fails to achieve the goal... In short, the ultimate goal is to exchange sincere service for the customer's true feelings
1. Establish a correct service concept
the core concept of service concept is the concept of customer service. The correct service concept is to serve customers wholeheartedly. As long as you work, love and drill, you can provide good service for customers. While providing service for customers, banks also bring development and benefits for themselves
2. Correct the attitude of banking service
banking service should strive to realize the transformation from single service to comprehensive service, from general service to characteristic service, and from passive service to active service. Some employees don't realize this. They simply think that to handle the business well is to do the work well and separate the service from the work. This is also the fundamental reason why the service is difficult to reach a higher level. Only by setting up the idea that service is work, can we provide all-round and high-quality service for customers, properly grasp the scale, adhere to the principles, be reasonable and disciplined, and make the real sense of high-quality service deeply rooted in the hearts of the people
the object of service is the customer, so the basic content of service is to deal with interpersonal relationship, to grasp the skills, to pass on to the customer is always understanding and happiness. All for the sake of customers, to solve the actual difficulties of customers, to bring customers spiritual happiness, spiritual satisfaction, business help, this is the highest standard of our service
3. Ways of bank's high-quality service
(1) the way of service is active and enthusiastic. In the practice of service, we should treat customers with sincerity and exchange sincerity with sincerity. Don't let the customer be embarrassed, do your best to provide sincere service for the customer, treat the customer as your relatives and friends, let the customer feel cordial at the same time, proce a sense of trust and belonging. If you want to do a good job of service, you should devote yourself to it. You should pay attention to it all the time. You should think about what customers think and what they don't think. You should be good at observing and understanding customers. You should pay more attention to what customers say and do
(2) to be familiar with the business and to carry out service and marketing, banks should comprehensively grasp the performance and characteristics of the procts, so as to provide marketing services in a short and concise manner and get twice the result with half the effort, so as to effectively improve the service quality and efficiency. We should be good at capturing customers' and market information, provide customers with various business consulting services according to customers' needs, and actively promote various new businesses and characteristic services. All these are the keys to do a good job in new business proct marketing. According to the understanding and grasp of customers, combined with the characteristics of customers and proct selling points, targeted matching for customers, familiar with the new proct launch process, keen to find proct selling points, according to the characteristics of new procts, identify the required customer groups, target customers, and actively recommend to customers
(3) understanding the customer's personality is the lubricant for banks to carry out service and marketing work. In the work, we should pay attention to studying the customer's psychology, grasp the service terms and forms according to the customer's age, gender, cultural level and wage nature, and provide customers with knowledge service, advanced service, value-added service and personalized service, which not only enriches and enriches the connotation of service work, More consolidate and improve the customer's trust and satisfaction
(4) pay attention to the collection and accumulation of customer information, face the growing customer base, be very familiar with their own customer group, treat high-quality customers according to the principle of "Classified Governance, differential service", adhere to the regular return visit, timely understand and grasp the change of customer demand, adjust the financial service scheme for customers, and make full use of the advantages of banking business types, Grasping all kinds of financial market information, helping customers to design the best financial management scheme, maximizing the value of customers' funds and meeting customers' needs are the foundation of high-quality service
in a word, high-quality bank customer service is not only the window of the banking instry, but also the "spokesperson" of the image of each financial institution. Today, under the test of market economy, civilized and high-quality service is particularly important for banks. Only good service can win customers' long-term trust and win in the competition.

5. Through learning and understanding the strategic idea of "one road, two revolutions", combined with the actual work, this paper puts forward some superficial suggestions on how to improve the service level of our bank's outlets. 1、 Promote differentiated services, clear the market positioning of the outlets. Since this year, Shanghai Pudong Development Bank, Zheshang Bank and other joint-stock banks have successively settled in Longgang, which means that the competition among the major banks in Longgang has become more and more fierce. How to maintain the stable operation and seize the service opportunities, Longgang region will try out differentiated services for outlets by using the advantages of our bank, or it will be a sustainable and characteristic development path. According to the difference of customer demand and value, it is clear who the outlets serve and what kind of service they provide. In this way, the concept of differentiated service is coming out. With the continuous entry of several banks such as Bank of Wenzhou, Shanghai Pudong Development Bank and Zheshang Bank, the competition in the high-end customer market of Longgang will become more intense. In this context, it is very important to make rational use of the geographical advantages of outlets, strengthen market segmentation, clarify customer positioning and realize the differentiation of customer positioning. For example, through detailed research, we have divided the 13 outlets in Longgang into two pilot sites, namely "small loan acceptance point" and "intermediate business acceptance point". The small loan acceptance point is responsible for accepting the loan business of less than 100000 yuan and providing a one-stop financial service of "investigation, credit extension, approval and issuance". The intermediate business acceptance point is responsible for accepting the cash payment and withholding business of water, electricity, telephone, national tax, local tax, securities and other intermediate business, which can unify the intermediate business market in Longgang area to a certain extent and minimize the unnecessary internal friction between units. The division of micro loan and intermediary business not only reces the pressure of most outlets, but also provides more comfortable service environment for customers. In addition, for public customers and private high-end customers, we can also locate the function of the outlets according to the geographical location of the outlets and the characteristics of the surrounding customers, and implement the characteristic service of the outlets. 2、 Strengthen the infrastructure construction and realize the functional zoning transformation of the business field. First, through the investigation and analysis of the acceptance of different types of business in different time regions of our bank, we can make clear the law of customer flow and the time required to accept each business, so as to realize the functional partition transformation of the outlets. The conditional business places are divided into self-service area, cash service area, non cash service area, rest and waiting area, marketing promotion area and VIP service area, so as to create a convenient, comfortable and efficient financial service environment. For example, in the face of some customers coming to handle non cash business with relatively complex proceres such as loss reporting and account opening, we should set up a targeted non cash service window or an independent non cash service area. Strengthen the study and training of the guide staff, so as to facilitate them to guide customers to handle relevant business. Thus, it can not only rece the waiting time of customers, but also increase the fluency and privacy of customers. Second, expand the scope of influence of self-service equipment, guide more customers to learn to use self-service equipment, fully optimize the allocation of resources, so that those customers who can not use self-service equipment to meet their own financial service needs can get timely, efficient and high-quality service. In addition, we should strengthen the maintenance and monitoring of self-service equipment, especially to ensure the normal operation of self-service equipment ring non business hours, and maintain the continuity, stability and efficiency of service. In addition, through the continuous promotion of the characteristic construction of benchmarking outlets, it has brought about a beautiful business environment and efficient work quality, thus winning the affirmation and praise of the majority of new and old customers, and laying a solid foundation for our bank to consolidate and broaden the source of reserves. 3、 Coordinate and integrate network resources, promote floating window service. Internally, we should strengthen the monitoring of the busy business situation of the outlets. According to the actual situation that the busy degree of each outlet is different in different periods, and the needs of customers are different in different periods, we should equip a staff team with solid business and strong mobility through the organization, coordination and arrangement of the whole staff. According to the business acceptance situation of each branch, we should reasonably and temporarily mobilize the temporary counter staff, so as to timely adjust the number of open windows of each branch, and ensure that the value of resources in Longgang area can be reflected to the greatest extent. Improve business process and strengthen close contact with customers. In some outlets closely related to farmers, under the premise of ensuring controllable risks, the requirements for business acceptance should be appropriately relaxed, so as to facilitate the temporary counter staff to communicate with customers and provide services, and facilitate customers to better and faster integrate into the financial market constructed by our bank. For some customers with high level, large stock and close relationship, the flexibility of temporary counter service should be enhanced. Under the premise of controllable risk, some businesses should be reasonably simplified to ensure that the storage sources will not be lost and the development will not be delayed. We should pay attention to reasonable guidance. Through the training and re ecation of the guide staff, they will consciously enhance their awareness of active service, broaden the level of business knowledge, breed a mild and enthusiastic service attitude, and inject vitality into our front-line service. Put up some posters with guiding significance and directing function in the prominent position of the business field, use vivid pictures and popular words to guide customers to deal with business in relatively idle windows and outlets, improve the operation ability of outlets, and realize the value of each outlet to a large extent. 4、 Create a good corporate culture, improve the staff reward and punishment mechanism. With professional knowledge learning and skill competition as the carrier, we should flexibly use various forms such as knowledge competition and skill pacesetter to create a cultural atmosphere of "common learning and positive progress" and further improve the professional and practical level of the whole staff. We should firmly grasp the good opportunity of in-depth study of "one road, two revolutions", help all staff fully establish and consciously practice the idea of "one road, two revolutions", make "one road, two revolutions" rooted in business operation, internal control construction and risk prevention, and promote the harmonious development of scale, quality and efficiency. In addition, we should strengthen the study of the bank's systems and methods, form a strong learning atmosphere in the bank, and make the study routine and institutionalized. Establish a scientific evaluation and incentive mechanism and personnel management. It is necessary to establish an informal incentive mechanism of "competent person confers ty, meritorious person confers salary, diligent person confers reputation, lazy person spurs", so as to directly link the economic interests of employees with the operational efficiency of the bank. By creating an employment environment of "attaching importance to talents, performance and knowledge", it is necessary to maximize the potential of employees, improve their work initiative, and enhance their enthusiasm for taking deposits, To promote the sustainable development of our bank. 5、 Strengthen business publicity and reshape our service image. Establish a correct sense of ownership of the bank, take the business place as the core position, take the advantages of "no charge for ATM Fengshou card withdrawal", "no charge for ATM Fengshou card transfer", "linking deposit and loan, better interest rate", "free SMS reminder service" and new online banking business, credit card business or new promotion business as the main contents, and take the radio station, SMS platform, SMS platform, etc Led rolling screen, ATM display screen as a powerful medium, with posters, customer visits, outdoor publicity as auxiliary means, the business publicity work will be implemented. We should keep close contact with water works, electric power bureau, telecommunication bureau, tax bureau and other intermediate business departments, and publicize our business advantages with their help. In addition, we should strengthen the contact with special merchants, carry out publicity activities such as installment payment, exchanging consumption points for gifts, and put up publicity posters and color pages at relevant merchants to enhance the close contact with customers. Go deep into the community and farmers, understand their economic situation, grasp their capital needs, establish real and sound information files, and vigorously publicize our business development and various preferential policies. The business premises equipped with multimedia broadcasting system should show some business operation processes that customers often come into contact with, and even some financial knowledge and instry development information closely related to our bank. 6、 Adjust customer feedback channels, maintain stable and close contact. Customer capital is the foundation of our bank's development; Customer opinions are the driving force for the development of our bank. Therefore, it is very important to improve the customer feedback mechanism. Suggestions are as follows: first, collect some real and reliable first-hand information through questionnaire survey, opinion book management, complaint feedback and other channels, with the help of analysis of these information, strive to improve our old service appearance. Secondly, monthly seminars are held according to the opinions and suggestions put forward by customers, and the department heads involved in various businesses are invited to attend. After the meeting, the results of the seminars are reported to the head office for reference. In case of emergency, with the approval of the leader in charge, we can make an exception to open one more time in advance, solve the problems for customers in time, and add more opportunities for the development of the bank. Third, carry out the "second communication" activities. Inform the customer of the result of the feedback. For some more complicated problems, we can inform the customer in the form of letter. At the same time, we thank the customer for their support and encouragement to our work. Fourth, we should be good at making use of the advantages of the website to open up a channel for customers' feedback on the website, so that customers can directly reflect to us all kinds of problems that may arise in the process of development. 7、 Advocate business service innovation and radiate our new vitality. 1. Use the website to play the information card skillfully. With the help of the website, our bank can make clear and download the matters needing attention in the process of business handling, the process of business handling and the materials that need to be filled in. Temporary counter or credit staff should also strengthen this aspect of publicity in the usual business process, so that some customers with certain cultural quality and strong learning ability can timely understand this new way, understand the relevant information of the bank's business process, and finally realize the purpose of facilitating customers and relieving the pressure of temporary counter. 2. Change the process and improve the service efficiency. Through collective discussion and research, in view of some problems that can be solved through scientific and technological information, this bank should sort out and summarize them in a unified way, report them to the Provincial Association, and propose amendments. Adjust the existing problem system appropriately, optimize it and improve it, so as to completely solve the old problem that has plagued customers for a long time. For example, for account opening business, can our bank consider integrating this business with "SMS service", "ATM transfer quota upgrade service" and "water and electricity charges and telephone charges payment service" in the integrated business system, so as to realize one page, which can handle all businesses that customers need at one time and selectively, so as to facilitate customers, It can also be convenient for the temporary cabinet and improve the work efficiency. 3. Break the ice of service by innovation. With the help of science and technology, we should vigorously develop and popularize non cash service tools, such as online banking, self-service equipment, etc. The ability of non cash service is not only an important part of the future banking competition, but also an important weapon for our bank to maintain a leading position in many banks in our county. Thank you!

6. The sea should be able to come out D3 proces 50 pieces of equipment,,

7. Go to the weapon shop of Aolai country
you can fly to Aolai directly with flying symbol
then open the map and walk to that soldier
and you can buy one
9000

8. Method 1: the most simple and effective way is to go to Zhufeng (270150) in Suzhou to learn the skills of refining and refining for free, and then find the column of "create map monopoly" in Yuanbao store. Find out and buy the pattern you want (e.g. Necklace making level 5), then buy level 1 (or level 2, level 3 or even higher) mitilver, refined iron or cotton cloth, then click Alt + s, and then click "life", then find Jinggong, refined or refined, click what you want to do, put mitilver, refined iron or cotton cloth in the proction window, and then click make, After finishing the equipment, we should be firm in our qualifications. Note: there must be a drawing of this item in your backpack. Rings, necklaces and amulets are made of secret silver; Weapons are made of fine iron, clothes, gloves, hats and shoulders are made of cotton. The higher the level of Mithril, refined iron or cotton, the more likely it is to proce the best. Method 2: affordable but complicated. First of all, you need to learn the craft skills, at least the required level of the equipment you want to make. However, what's better now is that you can upgrade the craft skills to level 10 without paying tribute. This was almost unimaginable in the past, at least more than 3000 tribute. Now you can go to Jinghu to find Ruan Xingzhu, With a little experience and gold, you can be promoted to level 10, but only if your character level is enough. Secondly, you need to upgrade your mining skills. To do level 55 manual work requires level 6 ore. that is to say, your mining skills must reach level 6. Otherwise, you have to buy it. The cost will be much higher. Finally, it's about refining jade. It's not a problem. You just need to leave the materials that you use to upgrade. Xuepo and Hanyun can be transformed into jade refining skills of the corresponding level. {talk to Feng cast iron (155174) in Luoyang, choose "learn material processing skills", and spend a small amount of money to learn this skill.} You can make the craft you want by using ore + making pictures + refining jade. Similarly, you can find "muwanqing" in Dali for sewing, which can be upgraded to level 10 without tribute. I don't study forging, so I can't tell you who can escape tribute at present. Please check separately

please accept, thank you!