1. For the public to eat resources, small and micro also eat resources.
Many bankers talk about small and micro food and diligence, and there are customers when they run more.
This may seem true, but it is actually very problematic.
I'll tell you about my experience
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In the first year of my career, I basically ran all over the building materials market, furniture market, and steel market in the urban area, and from beginning to end, as long as I was not driven out, I took at least half of the business cards.
The vegetable market, poultry market, and seafood market that opened in the early morning, I also ran ** without leaving ten, and I took all the business cards that I could get.
I'll admit that my marketing skills are very limited, and that's just the level of a business card.
The conclusion tells you: people who are more diligent than you have already run several rounds years earlier. When future generations go, it's just picking up leaks.
At the same time, a few buddies I knew, who were the marketing director and the president of the Chamber of Commerce, moved their mouths, invited guests to a few meals, and opened an account.
One who entered the industry two years later than me, the old man in the family is a big leader in a big market, and he has been in the industry for more than a year, and he was directly promoted to the vice president of the second-level branch to preside over the work.
Can you compare?2. Small and micro teamwork is that people eat people.
For small and micro businesses, the account manager at the bottom is just the food for the department manager and team leader.
I've been a team leader, and I actually hate inexplicably placing new people on my team.
The tasks of the team are originally assigned according to the head, and the industry will not give me fewer indicators because of the newcomers, and it is my responsibility that the newcomers cannot do it.
And my own old book is just to support myself and those 2 apprentices.
The apprentice doesn't care, to raise a new person, it is absolutely impossible.
The cultivation of any new person is based on his own resources, and the small and micro team does not need someone who can only write a report, and even I can arrange for someone else to write a report for him, provided that he can get enough resources.
3. For the public, in fact, there can be no resources.
It was actually a coincidence that I switched to the company, because no one in the branch would write a report on the company's investigation.
Is it difficult to report on the public investigation?It's not difficult for me, and I think it's definitely easier for graduate students in the corresponding major.
But with such a broken skill, I became the only corporate account manager of the branch, so all the corporate business of the branch came to me.
Later, when a new corporate account manager joined the company, he couldn't write, so I wrote it.
Corporate business is different from small and micro businesses, and corporate business can be divided.
The president marketing business, other people's marketing business, I write reports, I operate, I sign contracts, I lend money, then I can share a certain percentage of performance, of course, I also have to bear the risk.
And some "resourceful" corporate account managers are often wives, sons, princesses, etc., they don't bother to write reports at all, I will write them, and I will divide them into 3%.
As the business cooperation deepens, I develop other needs of the same customer, so I can get a higher share.
4. Each bank manager needs his own account manager.
Many branch presidents are not able to take on the role of relationship manager at the same time.
They have their own clients, but they have to find someone to do it.
There is a considerable group of people with resources in the corporate account managers mentioned above, so it is very important for the president to have an account manager who is willing to "undertake".
It's already clear to your governor that he has this intention.
For him, you help him with the business, and he gives you a share.
5. The starting point of the public and the small and micro is completely different.
Xiaowei can be understood as a credit card center, and its status in the bank is quite low.
If you want to change jobs, it's basically a dream.
But if you look at the leaders of the line, most of them are basically from the public service.
It's very simple, do a sum of money to the public, say less about 20 million.
You have to do 10 small and micro businesses at the level of 2 million.
The 20 million level of corporate customers can derive bank bills, letters of credit, discounts, deposit certificate pledges, factoring and other businesses, as well as salary cards, capital pools, and upstream and downstream customer expansion.
What can 2 million small and micro customers do?
I've done tens of thousands of loans, and this kind of loan customer, looking back now, is simply a waste of time.
The smaller the customer, the less likely it is. Not to mention derivative business, even pulling some deposits is very uncooperative.
For you, whether it is the improvement of business diversity or the accumulation of customer resources, it is not at all a level.
Let's talk about the final summary:
To be a small and micro, the starting point is yourself, others give you a business, that is a business, not to mention a good business others will not give you at all.
If you do the right business, someone else can be your starting point, and someone else gives you a business, even if you just undertake it, it is likely to derive a lot of different businesses.
Finally, it is easier to serve corporate customers than small and micro customers, really.