Care for every "rose" and believe every force

Each leaf indicates the direction of the wind. Every drop of green water contains the power of the sea.

Small and micro enterprises are like rose flowers. It can be seen everywhere. The vitality is tenacious, and it can bloom brilliantly in the sun and rain. To do a good job of small and micro financial services, it is to be a sun and rain dew.

With heart and affection, small and micro finance cannot go "shortcuts"

Rose is elegant, not as rich as rose peony. Only with infinite approximation and integration, always maintain enthusiasm and patience, can they appreciate their fragrance.

The Zhongcai Agricultural and Sideline Logistics Wholesale Market, located in Jiangning District, Nanjing City, is the largest agricultural and sideline product wholesale logistics distribution center in the Yangtze River Delta. There are nearly 3,000 merchants, with an annual transaction value of about 35 billion yuan. The market is an important "vegetable basket" project and reflects the "one window" of the economic tide.

Since 2012, I have been engaged in the promotion of small and micro -settlement products in the market. When you first arrive, you can only visit the households and use the "stupid method" to open the situation. I always believe that the service of small and micro is not allowed to go "shortcuts", and the "stupid method" is a "good way."

At that time, I mainly developed the meat trading market. As the largest fresh meat wholesale market in Nanjing, the transaction time was mainly concentrated at 2 am to 10 am. In order to be familiar with the bosses, I went to the market to open the market before 1 am every morning for two consecutive months, chatting with the boss who arrived early, helping to set up stalls, talk about market conditions, and gradually understand the situation of merchants. After a period of persistence, most of the merchants in the meat market have installed the silver credit card machine of our trip.

It is meticulous, and actively responding to every warm question is my persistence. "Ge Hu, you can't sign the card machine, what is it?" "Ge Hu, you have no use of paper to swipe the card machine, and bring me some when you come." With a shouting, I came here to help merchants solve various problems encountered by using card machines. In the process of constantly solving the problem, the merchants have harvested the high recognition of the merchants to me and the Minsheng Bank: this guy is good, and the service of Minsheng Bank is very intimate!

The land has never lived up to sweat, and "small micro" has never even bear sincere and enthusiasm. In just more than a year, the share of the merchants in the Zhongcai logistics market has been close to 60%.

Deep cultivation needs, open the service "kaleidoscope"

Every time I step into the wholesale market, it has stepped into the corner of the Chinese economy; every time the service is small, it is strongly strongly the cells of the economic body. To do a good job of service, we must go deep into the market and insight, and take customer needs as the orientation, and take comprehensive services as the starting point.

At the end of 2014, our bank established the first small and micro community branch in Zhongcai Market, and I was fortunate to be the head of the community branch. In order to better develop the market and serve merchants, on the basis of the early settlement business, I cooperated with colleagues with the sub -branch to target the characteristics of a large amount of funds required for the purchase of goods in the Spring Festival of Zhongcai. Diversified marketing and diversified services have taken root.

First of all, work together to work hard to achieve "knowing and knowing". We joined hands with the management parties of the Zhongcai market to send "blessings" activities to merchants. Market management has a more detailed understanding of merchants in their jurisdiction. Through their recommendation, we can quickly shorten our distance from the merchants, and at the same time, it can also effectively increase our control of merchant risks.

Secondly, the establishment of a "mutual assistance agency" to promote the "multi -dimensional deepening" relationship. Establish a Minsheng Bank merchant "Mutual Aid" in various districts, select large merchants in various districts as presidents, regularly carry out financial knowledge service activities, popularize financial knowledge to merchants, understand the pain points in the process of dealing with the bank, and help them reasonably allocate family finance reasonably assets.

Again, make every effort to "help buy and sell" to help develop the "selling channels". On the one hand, we will display merchant products in our hall, and carry out one -stop procurement services to our wealth customers with wealth management managers; on the other hand, organize merchants to carry out different forms of annual goods festival each year, and recommend merchant products to employees and community stores.

Finally, create a "parent -child game" to promote the family's "warm and harmonious". Merchants are usually busy doing business, and rarely have time to accompany their children to participate in the event. In order to make up for this "emotional vacancy", on specific holidays, we will normally organize kite -flying competitions, eggs competitions, Chongyang Dengzhuang high activities, etc., and organize invitations to invite merchants' children to participate. In a harmonious atmosphere, merchants trust people's livelihood banks more.

From the point, find the "round heart" to expand the "circle of friends"

A rose may not be inconspicuous, but the clustering together became a rose wall, and it also formed a unique scene. Just as the fate of small and micro enterprises with large and large -scale faces is common, co -prosperous, and jointly bred the vitality and vitality of China's economic development.

Closely at every small "round heart", continuously expand the service radius, and the service covering "circle" will become wider, which is my experience. Because most of the merchants in Zhongcai logistics market are husband and wife shops, and they have the characteristics of fellows and relatives in the same industry, they often serve a merchant, which can bring a "linkage effect" that a family or a group of fellows respond together.

There is a large household in the market in the market, with a big house for pork by -products, with a transaction volume of about 35 million yuan each year. At first, the merchant had no business with our bank, and every time I came to exchange customers, the customers were extremely busy. To get familiar with each other, I took the initiative to help merchants unload and move goods. After a few times back and forth, the customer was willing to sit down to communicate with us, and accepted the credit card machine and online banking of our travel. In the Spring Festival in 2015, the merchant asked me to ask me for small and micro loan methods and costs due to urgent need of funds. In response to its "short -frequency fast" funding needs, I recommend self -service loop loading products to it in combination with its characteristics, and successfully reached the payment in less than a week, solving the urgent urgent of merchants.

"Common and bitter" again and again, like a button, tightening the relationship between the merchants and our trip. Later, through the merchant, many fellows were handling settlement and credit business. As the vice president of the Market Meat Association, the merchant also pulled me into their meat associations to participate in related activities.

"Taishan does not refuse fine soil, so it can become high; Jianghai does not choose fine streams, so it can be deep." I take root in the large market and deeply cultivate the real economy. I am a member of the group of thousands of small and micro customer managers of Minsheng Bank. Relying on the flexible, convenient, and efficient service characteristics of the small and micro finance of Minsheng Bank, with a package of financial services and small and micro enterprises, it helps small and micro enterprises to "green mountains often" and promote the long history of people's livelihood brands.

Minsheng Bank Nanjing Branch/Gehu

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