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一位台资银行行长的“咖啡经”与“大陆观”

2018年10月12日 02:02来源:网络整理手机版

原标题:一位台资银行行长的“咖啡经”与“大陆观”

  “这是我们的手磨咖啡,请您品尝。”走进富邦华一银行南京分行,闻着扑鼻的咖啡香,看着银行职员专注地为客户手工磨、冲咖啡,很多人可能误以为这里是咖啡馆。

  富邦华一银行的前身华一银行是首家由海峡两岸共同出资组建的商业银行,后来股权结构改变,成为在大陆全牌照运营的台资银行。

  虽然2015年10月才正式开业,但凭借“咖啡银行”的特色,富邦华一银行南京分行在当地已小有名气。“咖啡是非常好的媒介。在这种轻松舒适的环境下进行交流,能让顾客感受到我们精致的服务,增加对我们银行的信任。”行长陈光裕说。

  今年45岁的陈光裕从事银行业已经20余年,早在2001年就从台湾来大陆发展,先后在深圳、上海、南京等地工作。

  “到深圳工作前,我也曾到大陆出差,但时间短,去的多是厂房、餐厅和宾馆,对大陆知之甚少。深圳是我到大陆工作的第一个城市,感觉深圳非常有活力,年轻人口多、创新氛围浓。”陈光裕说。

  2004年,陈光裕到上海工作。“上海发展非常快,百觉阅读网,而且很包容,新旧事物、中西风格在这里完美交汇,融合得很好,国际化程度很高,生活非常有趣。”

  虽然到南京工作不足一年,但他却感觉南京极具爆发力。“南京高校资源集聚,文化底蕴深厚,磁吸效应很强,是长江流域重要大城市,一定会厚积薄发。”

  大陆软环境的变化,让长期在大陆工作生活的陈光裕印象深刻。“现在去超市买东西,收银员都会主动提醒我有哪些优惠,告诉我用何种支付方式更划算,和过去很不一样。”他举例说。

  在陈光裕看来,“互联网+”对大陆银行业的改变具有里程碑意义。“刚来时,大陆的金融产品比较少。十几年下来,感觉大陆金融业发展非常迅速,已远超台湾。便捷的移动支付、多元化的金融产品,以及大陆对金融产品创新的鼓励,都让我印象深刻。”陈光裕说。

  在这样的氛围中,这位资深的台湾专业人士对金融产业的思考也不断深化。“服务台商,服务大陆实体经济”是富邦华一银行的两个本源,也是陈光裕多年来孜孜以求的目标。

  “我们必须在操作便利性和服务温度化两方面不断努力。无论是银行的手机APP,还是网页操作界面,都要简单容易上手。”陈光裕认为,除了让服务更便捷,有温度的金融服务同样重要。

  “银行业是需要高度信任的行业,服务的细致度、温度有助增强客户信任,这需要我们在很多细节上不断完善。”他说。

  富邦华一银行南京分行会客室内,摆满了书籍、杂志,桌子上也见不到商业气息浓厚的产品宣传页。走廊两侧墙面,挂着一幅幅清新、精美的江南风景画作。

  “富邦华一银行在大陆已有25个营业网点,以上海为中心,北至北京、天津,南至珠三角,河南日报,中西部有武汉、成都,西安分行也即将开业。”陈光裕说,最近几年,越来越多台商和中小企业加快在大陆中西部布局,台资银行也要紧随其后。(记者陆华东)

(责编:刘洁妍、杨牧)

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