丹阳农商银行聚焦三大客群 深化普惠金融

Core Insights - Danyang Rural Commercial Bank has focused on enhancing its inclusive financial service system by targeting key customer segments and optimizing credit processes to support the real economy [1][2][3] Group 1: Customer Focus - The bank has specifically targeted "gold-collar" customers and individual businesses, launching differentiated credit schemes that resulted in 263 new credit accounts for gold-collar customers and 179 for individual businesses [1] - Loans to the manufacturing sector increased by 875 million yuan, representing a growth of 6.48%, while loans to private enterprises rose by 1.119 billion yuan, with a growth rate of 5.99% [1] Group 2: Process Optimization - The bank has implemented a "three reductions" reform aimed at minimizing documentation, steps, and customer effort, which has improved response times and processing durations [2] - Credit managers are required to complete initial reviews and on-site due diligence within two days, with strict timelines for submitting credit applications [2] - The "no-sense renewal" mechanism has enabled automatic renewals for 4,492 accounts, accounting for 92.24% of renewals, significantly reducing the average transfer time for retail customer managers by over 90% [2] Group 3: Process Control - The bank employs a "1585" customer list management system to monitor and update the status of key clients, ensuring proactive management of loan renewals and customer engagement [2] - As of the end of March, the overall renewal rate for accounts and balances increased by 5.23 and 4.62 percentage points, respectively [2] Group 4: Future Outlook - The bank plans to deepen its "Party Building + Finance" collaborative mechanism and optimize the "Digital Government + Inclusive Finance" ecosystem to support private enterprises and rural revitalization [3]