华夏银行北京试点晚七时关门 择机在其他网店推广

Beijing huaxia bank pilot closes seven satellite in other online store promotion later

Since yesterday, huaxia bank Beijing branch sales department, zhongguancun branch and century city branch started on a trial basis to extend the business hours, the three points from Monday to Friday closing hours time risen from 17 to 19 points, provide convenience for residents in the capital to deal with banking business.

People over the age of 50 would prefer to delay service

It is learnt that, huaxia bank Beijing branch for longer opening to the time of the three branches are located in urban commercial centers or large community near the surrounding high-rise buildings, population density is bigger. Because Banks generally coincide with enterprise business hours working day's working hours, so there are often customers unable to deal with banking business due to time conflict. According to previous research, aged 50 to 60 years old of middle-aged and old customers bank to delay service, keen to this part of the crowd of self-help equipment and electronic banking is not very skilled, didn't like retired people have plenty of free time to go to the bank line up.

According to this phenomenon, huaxia bank, Beijing branch, after extensive research and preparation decided to extend the business hours in the three outlets - services. Delay during the service content mainly is the individual business, generally reserved two service window. If there is any need of probability can advance booking business, business office will arrange special customer manager and accounting staff reception.

Test run for half a year are improved and generalized

According to the Beijing branch of huaxia bank chief introduction, this extension operating time trial period is half a year, after the trial, according to a summary on the pilot operation improvement, include the promotion in other outlets.

Prior to this reporter learned that, in Beijing, there are only light post office bank branch and guangdong development bank (microblogging) zoo metro branch () in summer and autumn financial services can be delay to late August.

Evening service client accounts for more than 10% throughout the day

As the capital's first "financial market", the post office the gate opened branches in more than a year, on average, 5 PM to 8 PM every night this time business has accounted for around 10% - 10% of all day. According to the rough statistics branch staff, ordinary day at 6 PM to 8 PM reception gate subbranch of a bank customer number is roughly around 40 people; Pensions and focus for the week, usually there will be 80-100 customers to deal with business.

Guo tianyong, director of the Chinese banking research centre at central university of finance and economics points out, for example, in the case of Banks, to lengthen shopping hours does involve cost, but he thought the Banks on the basis of input-output analysis, should as far as possible to the customer to provide longer service time and higher quality of service. After all bank is window service industry, and is closely connected with families. Wen/our reporter Cheng Jie

Press the memory

Some Banks net silver replacement rate more than 85%

Reporter also learned that although most of the bank's branches cannot provide delay service at night, but for customers after purchase financial product is very convenient. Currently guangda, bank, bohai bank, etc. Many Banks have carried out the "financial market" service. People after work, can through the bank on the net "seckill" wealth management products. Many financial market expected rate of return of the product is better than 0.1% higher than that of conventional products - 0.2% during the day.

In fact, in addition to the cash access business, the vast majority of personal business such as transfer remittance, payment, buy fund financial products can be fixed by "not close" 24 hours a day online banking.

China's financial certification center recently issued the "2012 China construction bank survey showed that the electronic bank of China business growth in three years in a row. 68% of users use Internet banking instead of the more than half of the counter business, some Banks net silver replacement rate even more than 85%.

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