Jiang Nan Shi Bao·2025-06-03 00:59Core Insights - The Industrial and Commercial Bank of China (ICBC) Changzhou Branch is implementing a "expand and improve" strategy for its bill business, focusing on enhancing scale and efficiency through three key measures: strengthening mechanisms, precise marketing, and leveraging policy tools [1] Group 1: Mechanism Coordination - The bank has established a collaborative mechanism led by the financial accounting department, creating a "bill business promotion group" to ensure comprehensive management with daily updates on discount completion rates and client growth [2] - As of mid-April, 79% of the bank's branches have initiated bill business, marking a 22 percentage point increase from the end of the first quarter [2] Group 2: Targeted Marketing - The bank is dynamically updating its target client database and implementing a precise customer acquisition strategy, particularly for small and medium-sized enterprises (SMEs), with a one-on-one approach from branch managers [3] - Since April, the bank has added 60 new clients, achieving a client completion rate of 91.25%, with over 80% of these clients from the manufacturing and SME sectors [3] Group 3: Policy Empowerment - The bank is taking advantage of the declining market interest rates by offering differentiated interest rate discounts of 10-15 basis points to manufacturing and SME clients, resulting in a discount issuance of 2.6 billion yuan in one week [4] - The approval process has been optimized, with a "green channel" established to prioritize business from the target list, reducing the average loan processing time to one working day [4] - The bank plans to deepen its "thousand enterprises and hundred households" initiative, accelerate product innovation, and enhance the integration of services to drive the bill business further into frontline branches [4]