Ouyang Jian

Ouyang Jian

Ouyang Jian is vice president of Changsha branch of China Merchants Bank.

preface

"Innovation has to be fast enough." On the eve of the first Hunan Financial Expo 2009, Ou Yangjian, vice president of Changsha branch of China Merchants Bank, received an exclusive interview with our reporter. Her words may just explain the 11 year development history of CMB Changsha branch.

Development must be fast enough

As an early joint-stock commercial bank in Hunan, CMB Changsha branch has been adhering to the business philosophy of "changing for you, changing for the situation", and gradually improving the layout of Hunan regional financial market. In Ouyang Jian's view, CMB has kept up with the pace of Hunan's economic development and has shown the public a youthful, enterprising and fashionable bank image in the past 11 years. "customers are the sun, we are sunflower. Around the market, around customers, and constantly bring forth new Ouyang Jian said that as long as each new product can be launched as early as half a year to a year, its first mover advantage is immeasurable. CMB will play this "continuous innovation" incisively and vividly, and get real returns. According to the reporter, by the end of September 2009, the deposit balance of CMB Changsha branch was 27 billion yuan, an increase of 7.3 billion yuan or 38% over the beginning of the year, ranking first among local joint-stock banks; the loan balance was 24.1 billion yuan, an increase of 6.1 billion yuan or 34% over the beginning of the year. By the end of September this year, it had made a profit of 350 million yuan. "innovation and development must keep enough speed, and slow progress will lead to retreat." Ouyang Jian said that with the increasingly fierce competition in the banking industry, if you don't pay attention to it, you may fall into the pattern of homogenization, including systems and products that can be copied. But the key is that CMB will achieve different quality at each stage. "We are not afraid of copying, we are afraid of things that have not been copied by others." under the idea of "making standards", CMB's "all in one card", "all in one network", "golden sunflower financial management", "credit card", "telephone banking" and other advantageous products lead customer demand, provide customers with value-added service experience, and accumulate a number of high-quality customers for CMB. at the same time, it also makes CMB more advantageous in the field of VIP financing. On August 6, 2007, CMB private banking center opened in Shenzhen; in July 2009, CMB Changsha branch launched private banking services, and the "1 + n" expert service team made a magnificent appearance, leading the development trend of Hunan banking industry again.

Second transformation

In 2009, Ma Weihua, President of the head office of China Merchants Bank, put forward the strategic concept of "secondary transformation", which shows that China Merchants Bank should realize the transformation from extensive development mode to intensive development mode, and realize the transformation of business mode. Ouyang Jian, who is in charge of the retail business of Changsha branch, has a deeper understanding of this. She believes that Changsha branch is facing new challenges and opportunities in the "second transformation" and must win the trust of customers with more leading products and services. "Change according to the situation, change because of you" and "seek development through change". In the next step, CMB Changsha branch will continue to increase retail business innovation, establish a service system for private banking customers and diamond customers with investment consultant as the fundamental form, asset allocation as the sales mode, noble life channel as the customer connection mode, and exclusive service as the main customer experience, strengthen risk management, and strengthen "business loan" and other characteristic products. In addition, after Beijing, Shanghai, Shenzhen, Hangzhou, Nanjing and Guangzhou, it will strive to launch the "new concept bank" in Changsha, which is the upgraded version of CMB's "network win". On the basis of customer hierarchical management, it will provide rich electronic channels, low counter service separated from front and back desk, and fast high counter service for customers with different customers and different service needs in business outlets Service, focus on privacy and personal space of the golden sunflower service and other multi style service. "To provide our customers with the most valuable and personalized services is the foundation of CMB's survival." Ouyang Jian concluded.

Golden Fair

"Being in CMB is like being in a training camp of constant learning and rapid growth, where you can always see the sparks of brainstorming, innovation and change." For reporters, Ouyang Jian is a very good interviewee. Her talk is relaxed and casual, showing her intellectual style. "Upholding independence, distinguishing time, being pragmatic and thinking about change" is the essence of Huxiang culture, and it is also the eight words that President Ma Weihua of CMB head office proposed to apply Huxiang culture to CMB's cultural development during his recent investigation in Hunan. Ouyang Jian likes it very much. She said that this is the "action guide" of Zhaoyin Xiangjun. She also told reporters that at the upcoming first financial Expo in Hunan, the public can well feel the various characteristic products and services launched by CMB under the guidance of this corporate culture. In Ouyang Jian's eyes, the fair is a powerful booster for financial innovation. "After so many years of development and accumulation, Hunan's financial industry needs the help of the fair to do a stir and sharpen," she said. With the change of the market, there are more and more innovations in the same industry. By participating in the fair, we can learn about the relevant situation of the same industry and inspire each other. Moreover, the image and products of various financial institutions can be displayed and sold on site. "Of course, CMB will certainly provide citizens with value-added financial service experience.".

A century of zhaoyinlin

According to Ouyang Jian, assistant president of Changsha branch of China Merchants Bank, in the past five years, more than 800 employees of China Merchants Bank have participated in the tree planting activities of "century Zhaoyin forest", planting more than 1000 seedlings. Today, the first saplings planted are in full bloom, and the white flowers are fragrant under the rain and fog at the top of Yuelu Mountain. And the saplings planted last year are already covered in green and the flowers are ready to bloom. Ouyang Jian believes that through the tree planting activity of "one hundred years of Zhaoyin forest", CMB will let every employee of CMB have his own "CMB tree", promote the emotional sublimation of "love family, love business and love country", and establish a good image of CMB's active contribution to society.

Chinese PinYin : Ou Yang Jian