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The method of decentralization of bank business outlets

Publish: 2021-03-28 01:18:46
1. . I began to understand how large-scale tasks can be accomplished through a decentralized approach with minimal rules; I've learned that not everything has to be planned in advance. The picture of the traffic on the streets of India has always been in my mind: the bustling crowd, the standing cattle, the drilling bicycles, the slow cattle cart, the speeding motorcycles, the huge trucks, the crashing buses - the traffic mixed with sheep and cattle wriggling on the road with only two lanes, but each other is at peace. Asia has given me a new perspective.
2.

China's blockchain instry is still in its infancy, but with the continuous support of national policies, the continuous progress of instry technology and the increasing demand for downstream applications, China's blockchain instry is expected to continue to maintain rapid growth. IDC predicts that the overall expenditure scale of China's blockchain market will reach US $2.28 billion in 2024, with a compound annual growth of 51%

according to the data released by CCID, since 2016, large it Internet enterprises have been laying out blockchains, start-ups have entered the blowout mode, the frequency and amount of investment and financing have increased dramatically, and the instrial scale has been expanding. As of December 2019, there are 1006 blockchain enterprises providing blockchain professional technical support, procts, solutions and other services with input or output



in October 2019, the blockchain officially rose to the national strategic height; In April 2020, the national development and Reform Commission listed "blockchain" in the scope of new infrastructure for the first time, making it clear that it belongs to the new technology infrastructure of the information infrastructure part of the new infrastructure. This brings opportunities to the blockchain market, which is facing a severe test under the impact of the epidemic, and also gives impetus to the further development of blockchain in technology development and instry application

- for more data and analysis, please refer to the analysis report on market outlook and investment strategic planning of China's blockchain instry of foresight Instry Research Institute

3. My evaluation of the development of an instrial park is mainly based on two points: 1. Does the government have any clear favorable policies and financial subsidies and awards? 2. What are the achievements of the instrial park? What is the quality and effect of the landing results
from these two perspectives, I personally think that the Changsha blockchain Instrial Park in Changsha hi tech Zone is well developed. It seems that they are under the management of Changsha urban blockchain Technology Application Association. We can check the favorable policies given by the local government to the relevant enterprises in the instrial park, and then compare them with the policies of other regions. Moreover, their instrial park has made a big move this year, pushing a public service platform of SMIC blockchain to give local enterprises some very positive supporting policies. Moreover, many policy applications are handled directly on the platform, recing the frequency of personnel going out and increasing convenience. In the critical period, it can play a series of positive effects on the society, which is a very good achievement.
4. From the perspective of technology development stage, blockchain technology is still in the early stage. Blockchain was not popular in China at the earliest time, but it has been highly valued at the policy level in China. Blockchain instrial parks in various regions have been implemented one after another, and blockchain applications are also rising. Changsha high tech Zone has officially launched a blockchain project, called SMIC blockchain service platform, which is a government enterprise service platform.
5.

1. Handle the business of deposit and withdrawal and interest calculation, including inputting computer account, printing voucher, passbook, certificate of deposit, cash receipt and payment, etc

2. Handle the receiving and keeping of cash for business, and register the register of teller's cash

3. Handle the collection and safekeeping of important blank vouchers and valuable documents such as certificate of deposit and passbook for business use, and register important blank vouchers and valuable documents

4. In charge of all kinds of business seals and personal seals at the counter

5. Handle the counter account rolling, print the bill rolling, clear up and check the cash on hand, important blank vouchers and valuable documents, and use the seal for receiving and checking business

extended data

salary:

the salary of bank tellers basically includes three parts: basic salary + performance salary (or bonus) + business commission. The basic salary of each bank is usually between 4000 yuan and 6000 yuan, and each person will get different salary because of their technical level, length of service, ecational background, etc

Sales promotion ability is the most important factor to increase the income of tellers. If tellers want to increase their income, they must improve themselves from the aspects of service level, speed and accuracy of handling business, sales ability, etc., and get more "Commission"

source: network teller

6. For commercial banks, this is an extremely important competitive advantage and development resources. As the basic business unit of commercial banks, the competitiveness of business outlets directly affects the operation and development of the whole bank. Therefore, how to improve the competitiveness of grass-roots outlets in the region and improve the comprehensive performance of outlets is an important issue that can not be ignored in the operation and management of banks. A survey shows that when the network cost is 100%, the cost of ATM is about 60%, and the cost of online banking or telephone banking is only about 14%. This shows that in all kinds of trading channels, the cost of business outlets is the highest. However, e to the influence of business positioning, functional structure, labor mix, development strategy and other factors, the high cost investment of outlets does not necessarily achieve high returns. Most of the counter businesses of outlets are low value businesses such as petty cash deposit and withdrawal, account inquiry, passbook re registration, credit card repayment, loss reporting, etc., which not only consumes a lot of outlet resources, resulting in low efficiency and profitability of outlets, but also makes outlets have no time and energy to develop higher value customers and businesses. Network management focuses on the supervision of all kinds of business operation, does not consider the business efficiency enough, and does not achieve the organic combination of risk prevention and business development. Most of the staff training is based on business operation and rules and regulations. The training of staff's marketing awareness, sales skills and service etiquette is not enough. The staff's active marketing skills are not strong, which restricts the network to find and identify high value customers... (3 pages in total) [continue to read this article]
7. The first is the timely guidance of the lobby manager. Observe which group the customers belong to, ask about the business they want to handle, and divert them in time. Second, the network equipment should be able to ensure the use of customer diversion. Third, the signs are clear, so that customers can see at a glance.
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