南通农商银行：“五航”战略推进支行行长履职能力建设

Core Viewpoint - Nantong Rural Commercial Bank is enhancing the capabilities of branch managers through a five-strategy framework aimed at supporting rural revitalization and high-quality local economic development [1][9]. Group 1: Political Leadership - The bank emphasizes political leadership as a core task in building the branch manager team, focusing on political capability training [2]. - As of the end of April, the balance of inclusive loans for rural households and small enterprises exceeded 17 billion yuan, with a net increase of 1 billion yuan and a growth rate of 6.5%, significantly higher than the average loan growth rate of the bank [2]. Group 2: Strategic Navigation - The bank is implementing benchmarking actions to optimize service direction and support key industrial chains and park enterprises [3]. - A new service model combining "list system + responsibility system" has been introduced, along with exclusive financial solutions [3]. - Sixteen comprehensive branches are conducting a credit action led by party building, ensuring precise service delivery through data tracking [3]. Group 3: Professional Support - The bank is developing a "three-in-one" composite branch manager team, focusing on marketing, service management, and product management [4]. - Branch managers are expected to maintain high-net-worth clients, resolve issues, and promote new business opportunities [4][5]. Group 4: Management Efficiency - The bank is promoting refined management to balance business development and risk control [6]. - A differentiated interest rate system has been established to respond flexibly to market changes [6]. - The bank is enhancing customer experience and improving compliance to mitigate operational and credit risks [6][7]. Group 5: Cultural Integrity - The bank is strengthening its cultural integrity by promoting compliance awareness through various activities [8]. - A "striver culture" is being advocated to foster a competitive atmosphere and recognize exemplary individuals [8]. - Emphasis is placed on personal conduct and the regulation of power to ensure a disciplined team and standardized operations [8].