Group 1 - The core strategy of Yangzhou Rural Commercial Bank is to maintain a "small but beautiful" approach, focusing on expanding customer base and improving asset quality through targeted measures [1] - The bank is leveraging advantageous channels to enhance scale effects, implementing initiatives like "whole village credit" and "easy loans for farmers" to improve efficiency and customer engagement [1] - The bank has optimized its approval processes by creating an online platform for the entire credit process, significantly reducing the average time from application to loan disbursement to 40 minutes for loans under 1 million yuan [1] Group 2 - The bank has developed over 20 flagship products, including "Common Prosperity Loan" and "Inclusive Loan," to meet customer needs and create competitive advantages in service efficiency and process [2] - The organization capitalizes on its short decision-making chain to conduct in-depth industry research, enhancing its ability to respond to market demands [2]

江南时报讯 近日，在启东农商银行城南支行，一位年过六旬的客户神情焦急地要求紧急汇款15万元， 称"等着救命"。她异常的状态和含糊的汇款用途，引起了柜员的警觉。一场守护老人"钱袋子"的行动迅 速展开。 柜员一边安抚客户情绪，一边按照"转账四必问"流程深入了解情况。运营主管闻讯后，将老人请至理财 室耐心沟通。最终，老人道出实情：她接到一个自称是"某地公安"的电话，声称其身份被冒用并涉嫌犯 罪，要求其将全部积蓄转入所谓"安全账户"。真相大白后，支行立即联系辖区公安局。在银行工作人员 与民警的共同劝导下，老人识破骗局，避免了15万元的养老金损失。 此次成功拦截涉老诈骗的背后，是启东农商银行近年来系统构建的养老金融服务体系。该行将"环境适 老、服务贴心、安全守护"融为一体，筑牢"暖心"与"安心"双防线。 情感沟通与柔性服务 构筑无形"信任桥梁" 有形的硬件设施，更需要无形的情感温度来激活。该行持续强化一线员工"聊家常"式情感沟通技巧培 训，要求员工不仅办理业务，而且要善于观察、耐心倾听、换位思考。面对情绪激动或隐瞒实情的客户 时，员工要通过温和言语和真诚态度快速建立信任、缓解对方焦虑。这种柔性服务能力，成为连接标准 化 ...

在财富分享环节，吴江支行理财客户经理结合24周年行庆，针对性推介私行客户专属产品，详解"利率 上浮""定制化理财配置"等专属权益，结合当前市场趋势提供资产配置建议，实现文化体验与财富服务 的高效融合。 王欢 活动现场以宋锦纹样装饰，氛围雅致而温馨。支行行长与私行客户围坐交流，回顾该行24年来稳健经 营、深耕地方的发展历程，特别提及对私行客户的专属服务理念，并将宋锦"选丝精良、织造精细"的匠 心，类比为支行对私行客户财富管理"精研需求、精准配置"的服务标准，引发客户深度认同。 非遗体验环节中，宋锦织造技艺传承人携简化织机而来，为私行客户现场演示宋锦织造工艺，手把手指 导客户体验"穿经引线"，详解纹样中的文化寓意。客户们专注投入，在动手体验非遗技艺的过程中，感 受传统文化与金融服务碰撞的独特魅力。活动同步设置的宋锦DIY环节，为每位客户准备了定制材料 包，客户可亲手制作宋锦胸针，成品作为行庆专属纪念礼赠予，让私享体验更具心意。 江南时报讯 近日，张家港农商银行吴江支行以"锦韵贺华诞·匠心启新程"为主题，特邀6名高净值私行客 户开启一场非遗宋锦私享会，在该行24周年行庆的同时，深化高端客户服务，打造"文化体验+财富 ...

Core Insights - Jingjiang Rural Commercial Bank has conducted a systematic review of its loan risk models within the credit approval system to enhance risk identification accuracy and support stable business development [1] Group 1: Risk Model Optimization - The review involved a comprehensive assessment and optimization of intelligent models, crucial for loan approvals in the digital financial service era [1] - The model recalibration is necessary due to changes in market conditions and customer behavior, ensuring ongoing precision [1] - The review covered six customer segments, including small and micro enterprises, individual businesses, and farmers, evaluating the models based on differentiation ability, stability, and accuracy [1] Group 2: Service Precision and Risk Control - The optimized models have improved service precision for different customer groups while maintaining risk control, fostering a positive interaction between risk management and business growth [1] - For retail credit business, the team has enhanced the interest rate and limit models by incorporating multi-dimensional data cross-validation, aligning income assessments more closely with actual customer situations [1] Group 3: Future Developments - The bank aims to further enhance its model lifecycle management mechanism, transitioning from periodic checks to real-time monitoring to build a more intelligent risk control system [1] - This initiative is part of the bank's commitment to deepen inclusive financial services and improve the accessibility, precision, and satisfaction of financial services [1]

江南时报讯 秋意渐浓，湖光潋滟。近日，南通农商银行在南通紫琅湖畔举办了"湖光秋色，趣享运 动"亲子马拉松活动。近30组客户家庭参与，以运动为纽带，在湖光山色中传递温情，深化与客户的情 感联结。 清晨的紫琅湖波光粼粼，参与家庭早早齐聚。孩子们活力洋溢，与父母一同热身互动，欢声笑语不断。 发令枪一响，2.5公里的环湖亲子马拉松正式开启。家长与孩子携手奔跑，沿途赏景交流，共享亲子时 光。趣味打卡点和互动游戏环节，更让运动充满童趣与挑战。 该行始终致力于提供有温度的服务。本次活动聚焦高端客户家庭需求，通过户外运动场景，打破传统金 融服务边界，让客户在自然氛围中感受银行的关怀。参与家庭普遍表示，活动既增进了亲子关系，也拉 近了与银行的距离，切身感受到南通农商银行"以客户为中心"的服务理念。 活动还邀请行内员工家庭参与，进一步增强了团队凝聚力。员工与客户在运动中积极互动，展现出银行 和谐融洽的企业文化，为后续合作奠定基础。 未来，南通农商银行将持续创新服务形式，通过多元活动搭建情感平台，践行社会责任，助力社区和 谐。此次亲子马拉松不仅倡导了健康生活，也是与客户、员工共创美好的生动缩影。 施展 ...

Group 1 - The core viewpoint of the article highlights that the Industrial and Commercial Bank of China (ICBC) Nanjing Lishui Zhongdajie Branch has officially joined the ranks of military-supporting enterprises, becoming the first bank in Lishui District to do so, thereby injecting new financial momentum into the district's military support work [1][2] - The ICBC branch has established a detailed military support commitment, offering "priority, quality, and preferential" services to active military personnel, veterans, and various preferential groups, including dedicated "military support counters" and a specialized green channel for expedited service [1] - Financial incentives include waiving account opening fees and annual fees, as well as offering "military-exclusive fixed deposits" with interest rate increases and "military financial products" tailored to risk preferences, along with priority loan approvals and interest rate reductions [1] Group 2 - In recent years, Lishui District has upheld the tradition of "the military loves the people, and the people support the military," continuously expanding military support initiatives, including military-supporting enterprises and canteens [2] - The addition of the ICBC branch enriches the financial support services for the military and sets a living example of social participation in military-civilian cooperation [2] - Future plans include broadening military support channels and enriching service content, with efforts to attract more quality enterprises and merchants to join the military support team, enhancing the sense of gain and respect for military personnel and their families [2]

江南时报讯 "真是太谢谢你们了，不然我都不知道该怎么给老伴凑医药费！"近日，工行南通分行营业 部大厅内，年过七旬的张奶奶握着运营主管和客服经理的手连连道谢，对网点工作人员主动上门服务、 高效解决取款难题的暖心举动赞不绝口。 随后，工作人员跟随张奶奶前往家中，现场核实持卡人身份信息、业务意愿及相关证明材料，快速完成 核保手续。返回网点后，立即为张奶奶办理密码重置业务，顺利取出所需款项。全程高效便捷的服务、 耐心细致的态度，让张奶奶深受感动，多次向工作人员表达谢意。 民生无小事，服务暖人心。该行始终秉持"以客户为中心"的服务理念，针对老年客户、行动不便客户等 特殊群体的需求，不断优化服务流程、创新服务方式，通过上门服务、绿色通道等便民举措，切实解决 客户急难愁盼问题，用实际行动践行金融企业的责任与担当，让金融服务更有温度、更具质感。 当天上午，张奶奶匆匆来到该行，要求取出老伴银行卡内的资金，用于支付急需的医疗费用。经客服经 理询问得知，张奶奶忘记了银行卡密码，且坚持认为可通过手机号直接取款。工作人员耐心向老人解释 取款业务规范，同时协助回忆密码，然而张奶奶从包中翻出记录密码的纸条后，连续三次输入均提示错 误，银行 ...

Core Insights - The article highlights a customer service incident at a bank where a customer was upset over an unexpected deduction from his account, which was later clarified to be due to a third-party payment software linked to a past loan [1][2] - The bank's staff demonstrated effective customer service by patiently addressing the customer's concerns and resolving the issue, showcasing the importance of empathy and responsibility in financial services [2] Group 1: Customer Interaction - A customer expressed frustration over a deduction of over 200 yuan from his newly opened bank account, believing it to be an error by the bank [1] - The bank manager calmly approached the situation, assuring the customer that they would investigate the issue and not let him suffer any losses [1] Group 2: Resolution Process - Upon investigation, it was revealed that the deduction was related to a previous loan the customer had taken out through a third-party software, which was automatically linked to his new bank account [1][2] - The bank staff assisted the customer in contacting the software's customer service to clarify the situation, demonstrating a commitment to resolving the issue [1][2] Group 3: Customer Satisfaction - After understanding the situation, the customer apologized for his initial outburst, expressing gratitude for the bank's assistance [2] - The interaction emphasized the significance of attentive and compassionate service in the financial industry, reinforcing the idea that customer issues should be treated with care and urgency [2]

指尖惠民，精准服务有力度。网点坚持常态化走访商户与小微企业，建立需求清单、实现精准对接。在 网点多次向老年客户普及反诈与理财常识。客户陈阿姨对于理财和保险存在疑虑，客户经理询问得知以 后，耐心讲解产品的风险与收益，并推荐适配的金融产品。网点让金融资源流向最需要的地方，用指尖 力量扛起惠民担当。 金融为民无小事，点滴服务见初心。作为基层网点，我们以指尖护弱、指尖便民、指尖惠民的实践，把 每件小事办实、每次服务做好，用更有温度、效率与力度的金融服务，书写惠民新篇章。 指尖便民，高效服务有速度。针对客户对便捷服务的需求，网点进一步优化流程、创新模式。引导客户 通过手机银行办理高频业务，设置智能服务专区，专人指导自助终端使用，实现多数业务快速办。同时 精简材料、优化审批，批量业务一站式办理，大幅缩短等待时间。个体户刘女士对此深有感触："以前 办业务要留半天时间排队，现在还有远程在线服务，几分钟就能搞定转账，太方便了！"网点用技术赋 能服务，让数据多跑路，群众少跑腿，用指尖便捷回应民生需求。 金融服务的温度，藏在网点的每一次微笑里，融在指尖传递的每一份便捷中。基层网点作为金融服 务"最后一公里"，始终坚持以群众需求为导 ...

指尖划过键盘，发出清脆的声响。窗外梧桐叶已黄了三次，而我在工商银行的柜台，也悄然完成了一轮 寒暑交替。在柜台与大堂之间穿梭流转的一年多，仿佛像一部快进的电影，每一帧都写满了与客户相遇 的故事。从现金柜台的严谨细致，到对公柜台的专业担当，再到大堂经理的统筹协调，这三重角色的历 练，让我对"服务"二字的理解，从一张白纸变得立体而丰盈：真正的服务，从来不只是流程的精准执 行，而是在方寸之间的柜台上，读懂人心的温度。 一年多的时光，白驹过隙，但我对服务的求索之路才刚刚开始。每一次真诚的服务，都可能成为别人困 境中的一束光；而每一次专业的付出，都在为这座金融大厦添砖加瓦。每日的工作不是冰冷的交易，而 是有温度的连接。我愿继续做这样一个连接者——在方寸之间，传递工行温度，在日复一日的迎来送往 中，既做规则的守护者，更做温暖的传递者。 记得第一次坐上现金柜台时，我把所有注意力都放在"不要出错"上，存取款凭证需客户亲笔签名，大额 现金必须双人复核。这些规则像无形的栅栏，把我牢牢圈在安全区内。直到一个午后，一位老人攥着存 折来取款，我按流程提醒他输入密码，他却窘迫地说："姑娘，我记不清了。"看着他泛红的耳根和微微 颤抖的手，我 ...