What is the importance of the standard teller service at bank branches?

It is nothing more than for the safety of customer funds, what else can the bank operate in compliance?

Familiar with various business knowledge

For the operation of the business, you can train, but the business knowledge, you must also be familiar, this can be completed through training and self-rock stove learning, the bank's various businesses, such as investment funds, bond purchases, etc., although there are financial specialists, but also to be familiar with some, in case customers ask.

Guarantee equal treatment for customers

Customers are not divided into three, six, nine, etc., and are not distinguished by how good or bad they wear, and they are treated equally when they come to the counter to handle business, so it is guaranteed that your customers are treated the same.

Service with a smile is a must

The most important thing in the service industry is service, and the most intuitive feeling of service is to smile, treat people with a smile, do things with a smile, answer with a smile, etc., to ensure that your smile can show your cordiality.

Patient, attentive and responsible

Do counter operations must be patient and careful, these two points must be adhered to, responsibility determines whether you can do things 100%, and patience and carefulness determine whether you do the right thing.

Cooperate with the lobby manager

When it comes to work cooperation, the counter service must cooperate with the lobby manager, and of course, the lobby rough group manager must also cooperate with the counter service, which is mutual. A team must cooperate with each other and promote each other.

If you have any questions, please ask for advice

If there are any doubts or problems that cannot be solved in the process of reprocessing, directly ask the leader on duty on the day to solve them in time and without delay.

Familiar with the operation of various businesses

As the first person to connect with customers, you must be familiar with the operation of various businesses, including deposits, transfers, etc., in addition to being familiar with the operation but also proficient in operation, and be able to complete various business operations efficiently.

Problem description: The customer's application, description and other materials stamped with the official seal are not checked with the official seal.

Risk: The official seal does not match the account name.

Key points of prevention: clarify the responsible person, fix a position to undertake this work, and stamp the name seal after checking.

Problem description: The large-value payment business is not manually verified and verified with the customer.

Risk point: payment risk.

Key points of prevention: timely supervision in the matter, real-time supervision of the public payment business, the use of the verification system is not allowed in the supervision post, and contact with customers is the content of the supervision.

Problem description: A voucher was handed to a customer by mistake.

Risk point: Lost subpoena.

Key points of prevention: It is necessary to be careful and careful to review, supervise in a timely manner, develop the habit of self-inspection after the completion of the business, clear one stroke, and put the cash, vouchers, various summonses and seals in the workstation in a fixed position.

Problem description: Audio and video recording is not enabled.

Risk point: incomplete audio-visual data.

Key points of prevention: The sense of responsibility of the administrator of audio and video recording equipment should be strengthened, and the content of the video recording in the business room should be checked regularly to see if it is complete.

Problem description: The cipher is incorrectly associated.

Risk point: Affect the customer to issue checks.

Key points of prevention: Strengthen the sense of responsibility of the clerk, generate a password at the time after association, and let the customer take it after the test is correct.

Problem description: The current account is sent incorrectly, and the incoming account is approved.

Risk point: affect the use of customer funds.

Key points of prevention: carefully check the relevant vouchers, strengthen the compliance of the background business, reasonably arrange the work content of the previous period of business, and ensure that the exchange, current account, and cabinet group rolling are in an orderly manner, do not affect each other, and focus on doing things.

Problem description: Missing lock box.

Risk point: Loss of cash.

Key points of prevention: strengthen the sense of responsibility of the clerk, double lock, the first responsible person of the treasurer, the director or quality inspection is responsible for the inspection, and the person who sends the car is inspected again.

17 things to keep in mind for bank tellers

Problem description: Cash is long and short.

Risk point: Cash miscalculation.

Key points of prevention: Strictly implement the principle of cash receipt and payment, concentrate on handling business, and pay special attention to negligence when the business is not busy. Execute "three touches a day".

Problem description: Cash deposit and withdrawal transactions are reversed.

Risk point: Cash miscalculation.

Key points of prevention: strengthen the study of rules and regulations, strengthen the awareness of tellers of self-prevention and control, conscientiously implement the "three checks", check the input content, voucher content, and cash before the transaction is submitted, and submit it to the host for accounting after it is correct. Timely supervision of the business in the matter.

When handing over to the customer, it is necessary to collect and pay and check with the customer.

Problem description: The business seal is missing from the folding.

Risk point: Affect the use of customers and invalid vouchers.

Key points of prevention: sort out the order of operation for each specific business, make these sequences habitual, and avoid missing links. If the sub-branch of the accepting business finds that the deposit voucher is missing from the official seal of the business, it shall, on the premise of verifying the authenticity of the deposit voucher, accept the business applied by the customer and inform the customer to return to the opening bank to replace the official seal of the business.

Problem description: Identity check is missing.

Risk point: Violation of the real-name system.

Key points of prevention: Strengthen the concept of verification, and develop the habit of entering the verification system when you get your ID card. It is necessary to strengthen the inspection of supervision in the course of the matter.

Problem description: The account name is incorrect.

Risk point: Violation of the real-name system.

Key points of prevention: Strengthen business review, before handing over to customers, all content must be reviewed to be consistent, and handed over to customers after they are correct.

Problem description: Accounts are crossed.

Risk points: loss of funds, inconsistent accounts and facts.

Key points of prevention: After bookkeeping, the account name returned by the system must be checked again with the accounting voucher. Emphasizing that audit is more important than operation (cash counting, compliance audit, system operation, and self-inspection, these four links basically cover the operation of each business, among which self-inspection is often ignored, especially when inattention, in fact, the most important part of the teller system should be self-inspection, and the director should deliberately cultivate the habit of teller self-inspection.

Problem description: Missing customer signature.

Risk point: There is a payment risk.

Key points of prevention: carefully check the documents and vouchers, do not omit them, and develop correct operation habits and self-inspection habits.

Problem description: The name of the agent is not signed for the customer's business.

Risk point: easy to cause disputes.

Key points of prevention: When encountering a business that requires the person and the agent to show the certificate, you must ask the customer whether it is herself, and at the same time inform the relevant regulations, and the business should be carefully reviewed and signed before asking the customer to leave.

Problem description: The copy of the customer's ID card and the certificate number are not retained.

Risk points: There is a risk of payment and the risk of being investigated and dealt with by the anti-money laundering regulatory department.

Problem description: The customer credential is incorrect.

Risk point: invalid bills.

Precautionary points: carefully review the face value of the ticket. Emphasize the importance of audit over operation, and emphasize the role of supervision in the matter.

The General Administration of Quality Supervision, Inspection and Quarantine of the People's Republic of China and the National Standards Committee jointly People's Bank of China issued the "Basic Requirements for Bank Business Branch Services" and the "Service Evaluation Guidelines for Bank Business Branches" national standards for financial services. It provides a basic reference for the construction and service of bank branches, and is the bottom-line standard for bank branch services.