Rebirth of financial migrant workers

Chapter 49 Preparation before the war
On Tuesday, August 2009, 8, Neptune will oppose the Sun.

Yesterday, Wang Chunliang took a day off and flew to the imperial capital with the eldest lady.

The eldest lady stayed there in the evening,

Wang Chunliang is back.

At this moment, he had lost all motivation and was leaning on the chair languidly.

This was his first normal love, and he experienced the pain of separation for the first time.

Sister Jun across the table glanced over from time to time, obviously very curious.

I need to explain here,
The Sanlimiao branch of Mule Private Bank is worthy of being the worst fourth-level branch.

There are only three independent offices in the entire business premises.
The president, corporate department manager and operations department director each occupy one.

Therefore, when Wang Chunliang was promoted to retail department manager, he faced the situation of having no office to sit in.

Fortunately, Sister Jun was very generous to Wang Chunliang.

She didn't mind giving half of her already not very spacious office to Wang Chunliang, so they could work face to face.

"Mr. Chunliang, is the stock trapped?"

"Mr. Chunliang, are you worried about entering puberty?"

"Mr. Chunliang, what do you think of your sister's clothes?"

Sister Jun tried her best but failed to cheer up Wang Chunliang.

At 10 a.m., Ma Xiaobao, who had been transferred to the retail department, returned to the branch after installing POS machines for customers.

He hurriedly pushed open the office door.

"Knock, knock!"

"Oh, I'm sorry, Sister Jun, I'll do it next time. Master, something serious has happened!"

Wang Chunliang raised his head slightly:

"What did Senior Brother say?"

Ma Xiaobao hurriedly took out a leaflet, placed it in front of Wang Chunliang, and said:

"Look, I collected this from the Guanghua Market in Sili Dun. I heard that the Sili Dun branch is also learning from us in POS machine marketing."

Wang Chunliang: "Well, this idea is simple and easy to learn. It's not surprising that some people follow suit. Everyone can compete based on their abilities. Now that Yinbao and Tongbao are on our side, Silidun Branch should not have any price advantage."

"Master, look at the slogan above, Yinhuahua POS machine, the credit card fee is only 0.3%, and you can apply for it with a deposit of 200 yuan!"

Wang Chunliang immediately sat up straight and realized that things were not simple.

In 2009, UnionPay had not yet rectified the acquiring business market. At that time, there was a mixed bag of agents on the market, and prices were also ridiculously chaotic.

But apart from the public welfare industry, Yinbao’s 0.78% and 0.38% rates are already among the lowest in the market.

Now there are POS machines on the market with rates as low as 0.3%.

If the Silidun branch hadn't transferred the funds, it was very likely that he had encountered a rogue agent.

Just as Wang Chunliang was studying this flyer repeatedly, Li Xiao also rushed in.

"Knock on the door!"

"Sorry, Sister Jun, I'll see you next time. Mr. Chunliang, yesterday's retail sales report came out, and our bank's savings deposits actually dropped slightly!"

Wang Chunliang opened the drawer, took out two cans of Coke and threw them to the sweating two people, and then studied the report carefully.

He soon concluded that in addition to a small decrease in total deposits, there was also a significant decrease in the number of high-quality savings customers.

Wang Chunliang took out a USB flash drive from the cabinet, handed it to Ma Xiaobao, and told him:

"This is the list of high-quality retail customers of the branch that I compiled before. Go to the counter to check the flow of funds of these customers, make a record of it, and hand it over to me before get off work at noon."

The two quickly left the office. Sister Jun took out a can of Coke from Wang Chunliang's drawer, a little puzzled:

"It's normal for retail deposits to rise and fall, and I don't think the total amount has dropped much." Wang Chunliang shook his head:
“No, the POS machine activity of our branch is currently at its peak, and the growth effect of retail deposits should be obvious.

However, the total number fell yesterday, indicating that we lost more deposits.

In addition, the total number of high-quality customers in the retail business usually does not change much, but yesterday this number also dropped significantly. "

Ma Xiaobao and Li Xiao did a good job.

There was still half an hour before getting off work, and the two of them completed the tasks assigned by Wang Chunliang.

Wang Chunliang looked at their statistics table and carefully analyzed the reasons.

In less than ten minutes, he came up with his deduction and explained to the others:
“10% of the customers in the table have canceled their bank cards at our branches, thus causing a loss of branch deposits.

However, this is not a normal logout initiated by the customer.

If you look at these two transactions, the customer's bank card was first transferred and then canceled."

Sister Jun interrupted and answered:
"It means that another branch has maliciously changed the bank cards of our branch customers!"

Wang Chunliang: "Sister Jun is right. That branch should have followed the procedures of canceling cards, applying for new cards, and making deposits, trying to avoid us discovering their malicious card replacement behavior. But there were two omissions. The teller made Got the process wrong and therefore left evidence behind.”

Sister Jun lay on Wang Chunliang's shoulder and glanced at the computer screen:

"Let me see which branch is so shameless! Okay, it's that Silidun branch again!"

Wang Chunliang greeted Ma Xiaobao and Li Xiao:
"Xiaobao, you can check the mobile phone numbers of these lost customers. You select a few customers and ask them why they canceled their cards.

After that, you took off your business clothes and changed into casual clothes and went to the Silidun branch to observe the operation of their counter.

Li Xiao, go to the main business district in Sili Dun and count how many Tongbao POS machines handled by our branch have been replaced by Yinhuahua POS machines. "

After dispatching two people, Wang Chunliang called his senior Zhou Wenlong and asked about Yinhuahua's agent qualifications.

Zhou Wenlong soon got the result. There was no secondary agent named Yinhuahua in Yinbao Business's system.

This basically confirms the identity of the other party as a black agent of the POS machine.

Zhou Wenlong even suspected that their main purpose was to defraud the 200 yuan deposit.

At four o'clock in the afternoon, Sister Jun's office was packed.

Ma Xiaobao: "Master, I asked twenty customers whose cards were cancelled, and they all said that when they were handling business at the Sili Dun Branch, their cards were canceled or replaced by the other party for reasons such as 'bank card demagnetization.'

I went to the Silidun branch to observe their counter operations and confirmed the customer's statement.

I also made a special recording. "

Li Xiao: "I visited the Hongkou Market in Sili Dun and recorded the list of merchants who are planning to replace Yinhuahua POS machines."

Sister Jun: "Mr. Chunliang, I want to report to you that credit customers of our branch also have their cards maliciously changed by the Silidun branch."

Chunliang always had a serious expression and knocked on the table hard:

"Everyone, Sili Dun Branch has bullied us now, can you bear it?
Just because they are a third-level business and we are a fourth-level business, we have to be beaten passively?

No, we must resolutely fight back. I will assign the task below.

Ma Xiaobao and Li Xiao, starting tomorrow, you will carry out POS machine safety knowledge popularization activities in the main market of Sili Dun and mobilize customers to call the police in advance.

Zhang Yu, you go to the head office tomorrow to learn how to operate the mobile card issuing machine, and then teach all the tellers in the branch.

Yao Dayun, please contact the escort and security brothers in the company who take turns to do a good job in protecting Xiaobao and the others.

Sister Jun, please stop taking coke from my drawer! "

After the soldiers walked out of the office, Wang Chunliang took out his mobile phone and dialed the number of the business manager:

"Mr. Shang, have the mobile card issuing machines purchased by the head office arrived? Only 4 of them in the first batch? Then I want them all!"

　1. There are still POS agent scams, which will also affect ordinary people. For example, if you accidentally use a POS machine that skips orders, your credit card will most likely be limited by the bank.

　　2. The dispute over retail business between branches is first of all the dispute over savings deposits. The most common one is that branches cancel and replace cards with each other. If you go to the bank to handle business and encounter a teller prompting "the card has been degaussed and you must change it," it may not be that the bank card has actually been degaussed.

　　
　
(End of this chapter)