广发银行资讯

探秘广发银行首家“地铁支行”

来源：广发银行　　　小编：朱岳　　　发布时间：2013年03月11日

内容导读：广发银行地铁四号线动物园站是北京客流量最大的地铁站之一，让致力于开拓市场的银行们早就“心仪”已久——近日，广发银行北京动物园地铁支行正式开业。这也是广发银行在北京设立的第三家智能银行。

Explore wide hair negotiable bank first branch "metro"

Wide hair negotiable bank zoo station subway line 4 is one of the largest of its kind in the Beijing traffic, let is committed to market development bank have "preferred" already a long time, recently, guangdong development bank Beijing zoo metro officially opened branches. This is wide hair negotiable bank in Beijing to set up the third home smart banking.

In fact, in the subway set up self-service facilities, convenient travel passenger business needs, in the industry already is nothing new, but can be called "subway branch", also is different. Wide hair negotiable bank currently on the subway opened branch "metro", set up in a less than 70 square meters of archives mouths, but it is not like you imagined conduction approaches to business. In addition to a few ATM Teller machines, the most notable is a VTM (Virtual Teller Machine) intelligent machines.

Use the VTM machine, as long as the customer picks up the second generation id card, before self-help intelligent device sensing system with a brush, go to apply for a cash card or credit card interface, a live-action video at the same time, there will be a bank customer service personnel, "face to face" and "hand-on" teach customer to operate. Whether day or night, customers can through the system and remote video consultation service, and according to the prompt to complete a cash card or credit card application process. Subway branch opening hours longer than ordinary bank outlets, November 1 through April 30 to 9 a.m. and 7 p.m, on May 1 to October 31, is 9 am to 8 PM.

Because of the settlement, open an account and other business relating to VTM belongs to the branch level of business operation mode, according to regulatory requirements must be established as a branch.

According to relevant personage introduces guangdong development bank, the introduction of smart bank aims to improve the customer experience, to lengthen shopping hours and to give our customers more convenient. The VTM innovation as a business, will be combined with normal branches laying construction, strive to achieve revolutionary coverage in time and space.

It is understood that the Beijing zoo metro branch is approved by the China banking regulatory commission on January 16, 2013. And it is already a wide hair negotiable bank in Beijing 3 of "smart banking 24 hours a day", also is the smallest. Beginning in July 2012, wide hair negotiable bank successively in financial street and ritan road to install the same equipment.

Technology center of guangdong development bank staff told reporters that the VTM background located in guangzhou, the guangzhou customer service personnel through video guide customer operations. The three sets of front-end equipment in Beijing guangzhou terminal background corresponds to the two groups.

Compared with ordinary bank outlets, delay service is the biggest advantage of metro bank. And in order to cooperate with longer opening hours, metro bank human resources costs will increase accordingly. According to the calculation, an entity of metro bank operating costs about 15% higher than the ordinary branch. In terms of efficiency, metro bank profit and loss balance is still a problem in a short time.

But in guangdong development bank, Beijing branch, general manager of personal banking wang yu's opinion, advertising effect brought by the metro bank is difficult to measure. "Zoo station traffic will have about 100000 people every day, by advertising and promotion benefits of 100000 people is not measured by money. VTM also belongs to new things at the same time, the bank may attract more people to contact." She said.

Last December, the China banking regulatory commission chairman assistant Yan Qingmin advice "extended their Banks for the private one or two hours, people can deal with personal financial business to the bank after". Naturally, it is recommended that the bank users welcome. But for Banks, which increases the operation cost is the biggest obstacle, which also caused a lot of bank employees dispute and vomit slot.

And smart banking self-service to solve time delay problem, made an active exploration of the service. In fact, since last year on July 5, guangdong development bank in Beijing financial street smart banking branch launched the first 24 hours since the guangdong development bank has speeded up the exploration in the field of smart banking. The personage inside course of study thinks, the development of smart banking 24 hours a day to redefine the concept of "banking services", the domestic industry to usher in a new era of "take the customer as the center". And they launched the first subway branch of intelligent means wide hair negotiable bank service really start walking into the life of a normal customer. This not only is a strategic action of wide hair negotiable bank itself, but also the entire Chinese banking innovation, will lead the Chinese banking industry into a new stage of development.

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