南通农商银行网格化服务引领零售业务转型

Core Insights - Nantong Rural Commercial Bank has launched an innovative "Grid Deep Cultivation 100-Day Offensive Action" to enhance retail business transformation through refined operations and digital transformation, significantly boosting financial service quality and local economic development [1] Group 1: Service Model Innovation - The bank has implemented a grid-based service management model, dividing urban areas into responsibility grids with dedicated service teams for precise service delivery [2] - A strict supervision mechanism has been established to ensure service effectiveness, including regular checks and random visits to assess staff understanding of local business conditions and financial needs [2] - Various marketing activities have been conducted, including community financial knowledge lectures and the establishment of long-term service channels via WeChat, catering to diverse customer needs [2] Group 2: Performance and Incentives - A "dual-track" assessment system has been designed to evaluate marketing effectiveness through a points system, focusing on key metrics such as marketing reach and conversion rates [3] - The bank has adopted a zero-tolerance policy for fraudulent activities and implemented dual incentive measures for staff, enhancing motivation and performance [3] Group 3: Achievements and Future Strategy - The grid-based service model has led to a significant increase in market share, with over 3,000 new retail customers and a 25% year-on-year increase in loan disbursement, while maintaining a non-performing loan ratio below 0.8% [3] - The bank aims to continue optimizing its service model as part of its long-term development strategy [3]