长期以来,邮政代理金融专业都将基础客户视为余额自然增长的主要来源,把绿卡发卡量作为衡量基层网点经营效果的重要标准。因此,无论是在生产旺季还是淡季,为了抢占更多的客户资源,经常能看到基层网点的支局长们带领营投人员积极上门走访,开展声势浩大的“圈地运动”。然而,自2012年下半年央行推行浮动利率政策以来,随着金融IC卡的推行、网银的加速推广和各项经营成本压力的陡增,各 For a long time, the postal accountancy finance specialty regards the basic customers as the main source of the natural growth of the balance, and regards the green card issuance as an important standard to measure the operation effect of the grass-roots outlets. Therefore, whether it is in the production season or the off-season, in order to seize more customer resources, we can often see the grassroots branch branch chiefs to lead the investment team members to actively visit and carry out a massive “enclosure movement ”. However, since the introduction of the floating interest rate policy by the central bank in the second half of 2012, with the introduction of financial IC cards, the accelerated promotion of online banking and the steep increase of various operating costs