Bank process: service process differences between China Merchants Bank, China Construction Bank, and China Bank

Bank process: service process differences between China Merchants Bank, China Construction Bank, and China Bank

What is the difference between a bank and a bank? Some people may say that there is no difference. My general feelings in the past were that ICBC and China Construction Bank had a large number of outlets, and Zhaoxing had a good service, so there was no impression on others. What is the difference? Recently, I had the honor to learn about the services of China Merchants Bank, China Construction Bank, and China Bank. Of course, they are all common people. They all go to the counter to handle the simplest deposit business. Suddenly I found that the service flows of various banks are basically the same, but they are quite different from the process perspective. Let's first look at the service processes of ICBC and Bank of China: The customer went in and waited in line with the crowd (unfortunately, all of them went to a small sub-branch, and the number retrieval procedures were all saved). After a long time, the customer finally turned to himself, prepare for handling the business-gold card customers: Jump in, wait for the customer to be behind the gold card customers-the gold card customers to complete-Prepare for moving forward again-another customer (when processing a business before, because I don't know how to fill out the table, I just entered the form.) -- the customer is dizzy (I have to vomit blood that day) -- I can finally handle it (unfortunately it may happen again, I am not a local in Shanghai and can neither speak nor understand Shanghai dialect. But when I made a deposit at ICBC, the salesman did not speak Mandarin from start to end. Although I speak Mandarin, fortunately, the handling process is relatively simple and familiar, otherwise it will be fainted directly ). Another unfortunate thing: there are no automated cash registers in the business halls where the monks go. They can't even wait in line, and the team is still long enough to make you very depressed. Let's look at the General Service Process of CMB: The customer goes in (the golden card customer goes directly to the Golden card area, and the general customer is in the general customer service area) -- gets the number first -- waits for the call number -- the lobby service personnel come to provide consultation on the initiative: What business do you want to deal? If you want to fill out the form, these people will give you detailed guidance (according to the manager of the China Merchants Bank Lobby: Sometimes there are many customers, not necessarily everyone asks, those who often go to Zhaoxing know that there is such a person in the lobby who can consult and ask when they go in.)-you can wait for the service with peace of mind. China Merchants Bank generally has automatic cash registers. What kind of process will this service be like for foreign banks? There is no chance to experience it for the moment, but I'm sure I don't feel that depressing. There is a huge difference in the feeling of the simplest business in three different banks. A very small process difference sets up a completely different brand image for the company. For ICBC, it is difficult to hook ICBC with the word "good service. Of course, some people may also say that your statement is too one-sided. You go to a very small sub-branch, and it will not be the same if you go to a large business office. It is true that this situation is also possible, however, why can the CMB outlets provide unified services? What is the cause of the difference in this simple business process between different banks? Is there any possibility of improvement in this situation? You are welcome to discuss these questions. Some personal opinions will be explained in the subsequent articles.