Is it a gimmick or popular to sell organic vegetables and meat in the bank?

More and more community banks have launched life services to take the route of differentiation.

"Cross-border" is no stranger to most people, but recently a new community financial convenience store in Shunde New District has attracted a lot of attention. The new community bank has found another way to work with food supermarkets to open up a place in the store to sell fresh fruits and vegetables. In fact, the reporter learned that in recent years, in addition to providing financial services, more and more local banks are related to life services, such as setting up gold, children's clothes, tobacco and alcohol, tea counters, and so on. In this regard, people in the banking industry said that in order to adapt to the increasingly fierce competition in the banking industry, the trend of local banks or small and medium-sized banks to provide customers with differentiated and refined services will be more obvious.

Fresh: organic vegetables and meat are sold in the bank

The day before yesterday, the reporter came to this newly opened community financial convenience store to learn about the situation. The network is located next to a large community in Daliang. Unlike traditional bank counters, there are no traditional glass counters separated by customers and employees, and there are two warm negotiation areas.

In this community bank, citizens can not only handle business such as deposit deduction and gas recharge, but also buy organic food and enjoy a healthy life. On the right-hand side of the door is a convenience store. In this mini-supermarket, which covers an area of about 10 square meters, people have all kinds of meat, vegetables, wine and seasonings for their daily life. The reporter noticed that the vegetables in the store basically come from Hunan, Guangxi and Hubei.

According to the staff of the store, the sources of these foods all have QR codes, which can be obtained by scanning the QR codes.

Meat and vegetables have been sold in the bank, do the residents buy it or not? Most of the residents like the bank's practice of "not doing its proper job". According to reports, after learning that the community financial convenience store was opened, many residents came to join the fun. Aunt Li, a resident living nearby, said that it used to take a lot of time to go to the nearby supermarket to buy things, but now it can be bought downstairs, which is a lot more convenient. "they are all organic vegetables supplied to Hong Kong. They can be traced back to the source of the QR code, and they are much more relieved to eat."

Banks: cross-border cooperation to provide life services to the public

The reporter learned that the bank that sold meat and vegetables was the first community bank opened by a local bank in Shunde. The relevant person in charge of the bank said that building a platform for the purchase of organic vegetables is a useful attempt for our cross-border cooperation to bring the bank's services closer to the actual needs of customers. through service innovation to provide citizens with more diversified and intimate life services, but also to meet the financial and living needs of customers at the same time.

"the cooperative agricultural enterprise is a high-tech agricultural enterprise with the goal of green ecological breeding model. At present, the meat and vegetables in the store are all independently produced by the company. " The person in charge of the bank said.

According to reports, the bank will also jointly launch attractive preferential programs with partners, such as swiping the bank's bank card to enjoy double points for consumption in the supermarket, or even handling financial business in community banks, where vegetables and ingredients can be given if they meet certain standards. Customers within two kilometers of the bank's network can also provide door-to-door delivery service.

According to reports, the bank intends to promote this model, launching more than 20 community convenience stores with similar functions next year.

Experts: adapt to the fierce competition and put forward the trend of "differentiated" service.

The reporter learned that before local banks launched businesses such as "selling vegetables and meat", in fact, as early as last year, another bank launched the "full business" model, that is, through the extended business hours of the bank's night bank, to provide personalized and differentiated night services for community residents and small and medium-sized enterprises.

According to reports, the bank outlets of the night market will set up product display areas or sample display cabinets, such as gold counters, children's clothing counters, tobacco and alcohol counters, tea counters, and so on, and regularly hold "famous products display week" activities.

For more and more banks "not doing their proper business", some people in the banking industry in Foshan said that in order to adapt to the increasingly fierce competition in the banking industry, local banks or small and medium-sized banks provide customers with differentiated and refined services. to attract consumers, the trend will become more and more obvious. "however, it remains to be seen whether only attractive gimmicks can really play the role of'1x 1' more than 2, and achieve a win-win effect with partners." According to industry insiders in the bank, before launching such new formats, banks should have a good understanding of the consumption characteristics and shopping needs of residents in the communities where the outlets are located, and because after carrying out diversified businesses such as selling meat and vegetables, banks also have to bear the corresponding risks and responsibilities, and should be particularly careful in the choice of partners. "for example, does the quality of the goods sold pass? If there are problems and complaints, the image and reputation of the bank will also be affected. "