Reborn Resource Tycoon

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In mid-September, many people were surprised to find that in all Jimin Bank outlets across the country, the phenomenon of selling insurance has decreased a lot, and depositors no longer have people who are like brown sugar, chattering to you as soon as they enter the door. Recommend various bancassurance products, but only set up a special table in the lobby, and interested depositors can get the information by themselves, and then insurance employees who are obviously different from bank employees will come forward to introduce the products.

Moreover, these depositors who are interested in bancassurance products also found that when the employees of these insurance companies explain these bancassurance products, they no longer use bancassurance products with savings deposits and bank wealth management like the staff of other bank business outlets. Products and other confusing concepts, and one-sided analogy between the interests of insurance products and bank deposit income, government bond income, etc., deliberately exaggerating or exaggerating the income of insurance contracts, and promising fixed dividend income, etc.Instead, tell these depositors clearly that this is an insurance product!For those elderly depositors, not only will the employees of these insurance companies not take the initiative to deceive these depositors into insurance, but when they intend to insure, they will still repeatedly confirm whether they understand that they are insured, not saving.

At the same time, all depositors who have applied for bancassurance products at the business outlets of Jimin Bank will have the staff of Jimin Bank come to the door to confirm it in person. If so, it can be refunded unconditionally.This work has been done for more than half a month. This is because the bancassurance product has not been launched for a long time. There are not many depositors who apply for bancassurance products at Jimin Bank, otherwise.Even if the staff of Jimin Bank worked eighteen hours a day and vomited blood from exhaustion, they couldn't finish it in more than half a month.

Although Jimin Bank and the major life insurance companies that cooperated with it did not publicize this process, after all, there is no impenetrable wall in this world. After several disputes that also occurred because of bancassurance products, this The incident was brought to the light by the media, which immediately attracted the attention of many people.

A large number of media flocked to Jimin Bank to report on this positive event.Some media also learned from insiders of some insurance companies.All this happened only because a director of Jimin Bank's board of directors accidentally discovered that there were many irregularities in the sales of bancassurance products in the Beijing branch of Jimin Bank, which caused losses to depositors.The director put forward this proposal together with several other directors in the board of directors, demanding that Jimin Bank must correct this problem and make up for the losses of those depositors.

After urgent consultations with many insurance companies, Jimin Bank has decided that all depositors who have purchased bancassurance products at Jimin Bank's business outlets will have an unconditional full refund opportunity!And all the losses caused by the insurance company.It is borne by Jimin Bank.And all processing fees and bonuses for these policies have also been fully refunded to the insurance company.

According to estimates by industry insiders, all insurance policies that are finally determined to be fully surrendered unconditionally will cause losses to the insurance company.Jimin Bank has to bear 50.00% to 80.00% of the cost. If you include all kinds of additional expenses spent by Jimin Bank staff visiting and confirming one by one, it will be tens of millions of yuan, or even It may cost hundreds of millions of dollars.

As for why Jimin Bank did this, it did not publicize it with much fanfare.The media speculates that this is to avoid dissatisfaction among peers, that is, other banks.After all, Jimin Bank is a private bank with foreign capital participation.

all of a sudden.The image of Jimin Bank in the minds of the Chinese people suddenly became taller, and the number of depositors and merchants who came to handle business suddenly increased. Companies and banks that do not take responsibility are disgusted, but this practice of Jimin Bank has made people in the country feel bright.

And in November, an incident that happened on the streets of Tongyi added fuel to the fire.In the emerging business district of Tongyi, an ATM machine of Jimin Bank broke down, and when customers withdraw money, they will spit out double the amount of cash.This news soon attracted many people to withdraw money. When Jimin Bank found out about it, there was no cash in the ATM. According to later statistics, the loss exceeded 30 yuan.

The matter was quickly reported by the media, and many people in the financial and legal industries believed that the behavior of these people had constituted unjust enrichment, and Jimin Bank had the right to recover the extra cash they obtained from these people.

But soon the Tongyi police publicly announced that according to Chinese law, if the customer found that the ATM machine was malfunctioning and continued to withdraw money when withdrawing cash, it did constitute unjust enrichment and the extra benefits should be returned.Jimin Bank has the right to recover the loss. If it refuses to return it and the amount is huge, it may constitute the crime of theft.However, since Jimin Bank has made it clear that this result was caused by the malfunction of its own bank's cash machine, they will not ask these people for extra money, and Jimin Bank will do its best Try to avoid similar incidents from happening in the future.Therefore, the Tongyi police will not file a case on this matter.

"You should feel very lucky, because you have chosen a responsible and good bank! They think that such a regrettable incident is caused by their own work negligence! Therefore, the money, they think it is Compensation and apology to everyone. But I want to remind everyone that not every bank is so tolerant, and not all situations that occur in ATM machines will be regarded as their own work faults, so I advise you to pay attention in the years to come. Those who replicated this lucky incident here, it is better to give up this idea." The words of the Tongyi police spokesman were reprinted in many media across the country.

In the following time, although many people in the media were arguing endlessly over whether this practice of Jimin Bank was appropriate and in line with the country's legal policies, but in the business outlets of Jimin Bank The area was overcrowded for a while, and many people began to deposit and move. At the end of the year, when Jimin Bank counted the operating conditions for the past year, according to statistics, in the fourth quarter of 150, the deposit business of Jimin Bank experienced a decline. In addition to the sharp increase, the total deposit amount has reached the sum of the previous three quarters, and it will be nearly [-]% more!At the same time, the sales of bancassurance products have also seen a significant increase. Although the business outlets of Jimin Bank are far lower than those of the state-owned major banks in China, the final statistics show that in the fourth quarter of Jimin Bank, the sales of bancassurance products The total sales volume of the company has become the fifth in the industry. Except for several state-owned banks, other banks have been suppressed!

However, the number of business outlets of Jimin Bank in the whole country is probably not even one percent of the number of business outlets of these big banks!
The occurrence of this situation has naturally caused the extreme jealousy of other domestic banks, so other domestic banks have also moved closer to Jimin Bank's approach in selling bancassurance products, which can not only get good benefits, He got a good name again, so why not do it?In the board of directors of Jimin Bank, those directors who strongly opposed Fang Mingyuan's proposal at the beginning were speechless—whether it was the loss caused by the compensation of the bancassurance product, or the subsequent loss of more than [-] yuan However, the result is hundreds of times better than the tens of millions of yuan spent on advertising in the national media in the same period last year!Moreover, Jimin Bank has also won a great reputation in the society, and people praised it as a responsible and humane bank.

Of course, these are all things to talk about. At this time, Fang Mingyuan naturally didn't know. He could say that the proposal that was forcibly passed by the board of directors of Jimin Bank, and the incident of ATM machine failure that was not resolved due to his strong opposition in the future. , It will bring such a big change to Jimin Bank and even the entire Huaxia banking industry.

Under his "heavy medicine", Sun Jun decided to follow his arrangement and honestly waited for transfer at the Qingwu Subdistrict Office. At the same time, Wang Ying, who entered the Beijing Quality Supervision Bureau, did not know that he For quite a long time in the future, the fate has also been decided.He will also be transferred to a certain department of the municipal government to work for a period of time, and then sent to work in the sub-district office where Qinglongguan Community is located.With Xie Guohai in charge, such a trivial matter is simply not a matter.

Fang Mingyuan believed that these two friends from his previous life were also semi-cynical guys, and he was more at ease than those officials.If they are still willing to contribute their talents to the development of the country as they did in their previous lives, then the construction of the Qinglongguan community will be a major asset in their official careers!
Moreover, Fang Mingyuan didn't expect the two of them to climb to high positions, as long as they had enough space to display their talents and happily do what they wanted to do, that would be enough.

Only two days later, Xie Guohai sent back the news that the organizing committee had approved Fang Mingyuan's proposal, and would start selecting sites in the urban area as soon as possible, but Fang Mingyuan was required to guarantee the ten three-dimensional parking lots. The field is full of the atmosphere of the times and cannot be out of tune with the surrounding environment.Since this requirement means a sharp increase in design costs, the organizing committee stated that the ten three-dimensional parking lots can be handed over to the Fang family for operation. As long as the parking fee does not exceed the standard set by the city, the city will There will be no interference with the operation of the parking lot. (To be continued..)