Sales Promotion

  Lin Qiang pushed open the door with a serious expression and shouted: "If you don't work hard, what are you doing?!"

  The two reacted completely differently, Zheng Shuai made a face and completely ignored him.

  Lin Xiaozi suddenly jumped up, holding the unfinished meal and wanting to throw it away. She hastily swallowed her food, looking like a startled cat, repeatedly saying: "Go now... go now..."

  "Gotcha... don't be so serious." Lin Qiang couldn't help but burst out laughing, walking over to pat Zheng Shuai on the back and telling him to go out first.

  Zheng Shuai once again revealed an evil expression, quickly retreating and slamming the door shut.

  Lin Qiang supported Lin Xiao Zao back to the table and pressed her back into the chair: "You eat first, I'll ask you something."

  Lin Xiao Zao didn't dare eat, she just stared blankly at Lin Qiang.

  "Have you taken the Certified Financial Planner exam?"

  Lin Xiaozi nodded.

  "So I ask you, for retired elderly people who still have a relatively abundant amount of money on hand, how should they plan?"

  "After retirement, the elderly have a low risk tolerance and should adopt a stable financial management approach that ensures property safety and financial freedom. Based on the senior's assets and annual income, most of the property should be invested in principal-guaranteed financial products and time deposits, national debt, and a small portion should be invested in insurance products to prevent accidents, and some funds should be set aside for emergencies. According to our bank's sales products, it should be..."

  Lin Qiang sat beside her, listening and nodding his head. Even if she was just reciting from memory, it was impressive that she had memorized to this extent. Moreover, Lin Xiao Zao was able to list examples based on the products currently on sale, which showed that she had been working hard behind the scenes. Although she had always been doing some peripheral work, she had always been making an effort.

  The most important thing is... Lin Xiao Zao didn't stutter from start to finish, as if talking about this aspect suddenly made him very confident.

  "Okay, suppose there's an elderly person outside with $2 million in savings, living a worry-free life and in good health. If you could only sell him one product, what would it be?"

  Lin Xiaozi furrowed her brow, thinking repeatedly before answering: "Our 'Huo Li' product is invested proportionally in one-year, six-month and three-month periods, with the lowest risk, flexible withdrawal, and an annual interest rate of around 5%, guaranteed principal."

  Lin was very satisfied with this product, which is a principal-guaranteed type, and even if the operation is poor, it will not lose money. Dividing it into three investments can also reduce the loss caused by temporary use of funds.

  However, he still pretended to be entangled and asked: "But the commission given by this product is very small, I remember that even for a one-year period, it's only 0.05%... If you sell stock-type financial management, can't you make more money? The performance of the bank will also look good."

  "No way! We can't let the elderly buy high-risk products!" Lin Xiao suddenly became forceful, "Those products are sold to people with high risk tolerance and high income. Even if they are sold to them, it should not exceed 30% of their investment ratio, no more than that!"

  Lin Qiang retorted with a smile: "After the singles take action, whether they make or lose money has nothing to do with us, right? The key is to make money for ourselves and our own business hall. If we only sell those low-risk products, the director won't be happy either."

  "Boss! I thought you were...” Lin Xiaozi stared at Lin Qiang, showing a rare stubbornness. "Others making money is their business, but if an old man puts all his property into easily losing stock financial management... and loses his retirement money... I'd rather not make this money!"

  Lin Qiang looked at Lin Xiao-zao with interest: "If I had to make you sell, would you know? I just arrived here and urgently need to improve my performance, so I want to adjust more of your sales."

  "Mind your own business." Lin Xiao Zao started eating with her head down, "The matter of swindling the old man's retirement fund..."

  Lin Xiaozi had just taken two bites, suddenly stunned, realized, and raised her head with a playful anger: "Manager, you deceived me! I've heard about your business! The best-selling products are all guaranteed not to lose money!"

  "Haha! I'm still quite famous, huh!"

  "Hmm..." The two jokes gradually narrowed the distance between them, Lin Xiaozi hummed and continued to lower her head to eat, stirring the rice with chopsticks, "I know I'm not good at anything... even you, Manager, come to mock me..."

  "Alright, eat quickly." Lin Qiang stood up, adjusted his suit, and gently patted Lin Xiao's shoulder. "The 20 million-level elder is in the main hall, get ready, I'll try my best to help you."

  "Ah?!" Lin Xiaozi choked on a mouthful of rice, "Cough...a 2 million-year-old elderly person?"

  "Hmm, after eating, come to the main hall and see how I'm doing." Lin Qiang smiled and said, "If you perform well, tomorrow you can replace Zhang Jiaming's role."

  In Lin Xiao's astonished gaze, Lin Qiang left, hoping that the old man was still there.

  ……

  In the hall, Hao Wei had already returned and was chatting with Zhang Jiaming. When Lin Qiang arrived, they both stopped talking immediately.

  "How's it going? Have you basically got a handle on things here?" Hao Wei smiled and asked.

  "It's still early days, a little data doesn't mean anything." Lin Qiang saw him arrive just in time and said casually, "The current flow is still quite large, it's just hard to get big orders."

  "Yes." Hao Wei sighed, "Here are all young people who have just moved in and have to bear mortgages. They basically don't have any spare money for investment."

  He said with a pat on Zhang Jiaming's back: "However, Jiaming has grasped several high-quality customers, which is worth celebrating."

  In the bank, each customer manager has fixed customers and in principle cannot poach each other's clients. Hao Wei's words mean that you should think of ways to get orders yourself, don't expect us to share our clients with you.

  "Yes, but I think Lin is busy with his family and there should be other opportunities." Lin Qiang looked at the waiting customers, "In our line of work, we still need to be proactive and have a thick skin."

  Hao Wei smiled and said: "That's it, that's it, so Little Lin you came is a very good supplement!"

  "This still requires team effort." Lin Qiang changed the subject and asked, "I think that Lin Xiaozhuo is not bad, she looks pretty and has a lot of charm, should let her try more often."

  Zhang Jiaming's body tensed up upon hearing this, and he immediately felt a sense of urgency. He hastily spoke up, "She still lacks experience, gets nervous when meeting clients, can't even say a complete sentence smoothly, it's too rushed to cultivate her, easy to backfire."

  "Sooner or later, she needs to be trained," Lin said firmly. "I think it's about time we bring her out, and the work can be rotated among us."

  "But... this..." Zhang Jiaming didn't know how to continue.

  Hao Wei was indignant in his heart. No matter what, he was the director, and you dared to transfer people in front of him, which was simply too arrogant.

  "Kobayashi, you're new here and don't know the situation well. Having a careless newcomer like you on the front lines can easily cause dissatisfaction among our clients."

  "Come on, Director, our bank is still about results in the end, right?" Lin Qiang asked back, "I've looked at the records for the past few months, and all the wealth management sales rely on Jiaming alone. I'm afraid he can't handle it?"

  Hao Wei hastily replied: "Hehe, aren't you and Zheng Shuai making up for it now?"

  Lin Qiang had long expected him to say so and quickly replied:

  "This won't do, we're all big men, but girls have an advantage in many situations."

  Hao Wei paused for a moment, and the rapid conversation made him feel suppressed, so he had to decline: "Well... let's discuss it again at tomorrow's meeting."

  "We'll let the facts speak for themselves!" Lin Qiang saw Lin Xiaozi just coming out and waved at her, "Like this, with these current customers, see if Xiaozi can close a deal! If she's capable, we'll quickly cultivate her; if not, we'll have her learn some more."