屯留农商银行“三点发力”推动业务高质量发展

Core Viewpoint - Tunliu Rural Commercial Bank is focusing on serving the real economy by leveraging its regional financial advantages through a three-pronged approach: grid-based deep cultivation, scenario-based services, and digital empowerment, resulting in a net increase of 240 million yuan in various loans since the beginning of the year [1] Group 1: Grid-Based Deep Cultivation - The bank has established a "1+N" grid service system centered around its branches to deeply connect with the financing needs of small and micro enterprises, individual businesses, and farmers [3] - A customer classification management ledger has been created to accurately capture marketing opportunities and identify potential needs, categorizing clients into "core clients," "potential clients," and "nurturing clients" for differentiated service strategies [3] Group 2: Scenario-Based Services - The bank has innovatively launched the "Mobile Bank+" service model, setting up mobile financial service points in densely populated areas such as markets, industrial parks, and community squares [3] - Tailored financial plans are provided based on customer needs, with efforts to expand outreach and build a "bridge" between banks and enterprises through regular cooperation with village committees [3] Group 3: Digital Empowerment - The bank is focusing on seasonal funding needs and enhancing inclusive financial services to provide efficient and convenient financial support for the real economy [4] - Online channels are being promoted to guide customers in applying for loans through platforms like "Jinxiang Life," aiming to reduce customer effort while increasing data processing efficiency [4] - Efforts are being made to precisely match supply and demand, shorten loan approval times, and improve credit issuance efficiency [4]