Core Insights - Binhai Rural Commercial Bank focuses on a "small and scattered" strategic positioning, emphasizing local market development and enhancing regional financial service quality through a comprehensive five-in-one development system [1] Group 1: Customer Service Mechanism - The bank has established a regular visiting mechanism to strengthen customer service, with a plan for weekly visits to key cooperation units, ensuring face-to-face communication to capture customer needs accurately [3] - This approach aims to provide customized financial service solutions and lay a solid foundation for future business expansion [3] Group 2: Network Expansion - The bank has completed the division of 26 service community grids in urban areas, implementing "grid-based" precise marketing visits [5] - By leveraging customer data from joint banking client lists and external resources, the bank enhances its urban customer coverage and service depth, continuously expanding market share [5] Group 3: Performance Assessment - A refined performance assessment system has been introduced, focusing on customer retention and customer loss rates, with daily marketing process control to ensure quantifiable and traceable business progress [7] - The weight of retail business assessment has been increased to 65%, with an "unlimited" incentive mechanism for daily loan projects, encouraging employees to actively expand business scale [7] - As of now, the bank has successfully retained 718 lost customers, amounting to 119 million yuan [7] Group 4: Professional Marketing Team - In the corporate business sector, the bank has selected 44 corporate client managers to promote the transformation of "three platforms and six positions," enhancing decision-making efficiency [9] - By the end of April, the corporate loan balance reached 4.665 billion yuan, with a net increase of 390 million yuan, reflecting a growth rate of 9.34% [9] - In wealth management, a specialized marketing team of 57 members has been established, leading to a significant increase in the scale of agency business to 190 million yuan, a year-on-year growth of 113% [9] Group 5: Business Development Innovation - The bank has strengthened the mechanism for public-private collaboration, successfully signing a cooperation agreement with a technology company to innovate business models [11] - By refining corporate loan assessment indicators, the bank encourages front-line staff to explore combined service models, enhancing customer acquisition and overall contribution [11]
滨海农商银行：深耕本土精布局 五位一体促发展
Jiang Nan Shi Bao·2025-05-13 14:02