Core Viewpoint - The "Alliance Chain" initiative by Suzhou Rural Commercial Bank aims to enhance collaboration in supply chain finance by integrating logistics, information flow, and capital flow to provide precise services for small and micro enterprises, transitioning from "single-point breakthroughs" to "chain-wide win-win" scenarios [1] Group 1: Mechanism and Strategy - Suzhou Rural Commercial Bank has established a "full-chain collaborative business ecosystem" to activate financial service dynamics within the industry chain, creating a distinctive supply chain finance model [2] - The bank has set hard targets such as "100% chain master visit rate" and "≥30% chain subordinate conversion rate," linking performance rewards to the number of visits and referrals to stimulate grassroots business development [2] - The bank redefined "chain masters" to include high-quality small and medium enterprises with stable transaction networks, aiming to convert "unfinanced chain subordinates" through comprehensive financial services [2] Group 2: Technology Empowerment - The bank utilizes financial technology to integrate internal and external data, generating real-time panoramic maps of the "Alliance Chain" to provide clear operational insights for branches [3] - External big data is employed to create multidimensional credit evaluation models for chain subordinate enterprises, facilitating precise identification of target customer groups and tailored marketing strategies [3] - The bank's unique "Su Nong E Loan" product, along with other financial offerings, addresses the core issues of "difficult and slow financing" for small and micro enterprises, becoming a key tool for market penetration [3] Group 3: Ecological Integration - The bank is building an ecological comprehensive service system, transitioning from "one-way service" to "symbiotic win-win" relationships [4] - A "1+2" visit mechanism is implemented to promote collaborative marketing, offering a combination of services including "Su Nong E Loan," business loans, and employee consumer loans [4] - The approach has evolved from a linear referral system to an ecological closed loop that enhances service efficiency and customer value throughout their lifecycle [4]
打造“同盟链”生态,做好“管家式”服务