南通农商银行全面提升对公业务核心竞争力

Core Viewpoint - Nantong Rural Commercial Bank is focusing on transforming its business model to enhance its corporate banking competitiveness and better serve the local economy, aiming for high-quality development through three key transitions [1]. Group 1: Transition from "Scale Expansion" to "Quality Improvement" - The bank recognizes that merely pursuing scale expansion is unsustainable in the context of interest rate marketization and financial disintermediation, prompting the implementation of three major initiatives [2]. - A customer segmentation management system has been established, prioritizing the manufacturing sector to tap into local potential and enhance marketing efforts to understand and meet corporate financing needs promptly [2]. - The bank is cultivating a specialized workforce by selecting experienced credit managers and innovating a service model that combines industry expertise with financial consulting, ensuring a deep understanding of client needs [2]. - An intelligent risk control system utilizing big data has been developed for comprehensive risk management throughout the lending process, enhancing risk identification and asset quality [2]. Group 2: Transition from "Traditional Offline" to "Digitalization and Online Services" - Nantong Rural Commercial Bank is innovating its corporate credit business by accelerating the transition from traditional offline services to digital and online solutions [3]. - The bank is advancing a "Three Platforms and Six Positions" model transformation, optimizing service processes to enhance operational efficiency and ensure standardized practices across the credit lifecycle [3]. - Technology is leveraged to upgrade online products and create an intelligent approval system for rapid data analysis and precise decision-making, significantly improving lending efficiency and service quality [3]. Group 3: Transition from "Passive Service" to "Proactive Empowerment" - The bank is establishing a systematic customer service framework to enhance existing client relationships and uncover additional value through integrated, lifecycle-based services [4]. - A professional advisory team is formed to provide free consultations on financial planning, policy interpretation, and market analysis, actively assisting clients in addressing operational challenges [4]. - Management is focused on fostering a positive lending environment through diverse oversight methods, ensuring effective implementation of service and credit deployment strategies [4].