Core Points - Luzhou Bank's Luzhongjiang Branch has launched the "Supermarket Win-Win Plan" to address operational pain points for supermarket enterprises, focusing on reducing account settlement costs and improving employee stability [1] Group 1: Cost Reduction Initiatives - The bank has implemented a zero-fee account policy, eliminating management fees, online banking annual fees, interbank transfer fees, and small account maintenance fees, significantly lowering the account settlement costs for supermarkets [2] - A partnered supermarket is expected to save over 6,000 yuan annually in account usage fees due to these measures, while the overall savings for 50 supermarkets in the area is projected to reach 150,000 yuan per year, equivalent to the annual net profit of a small micro store [2] Group 2: Fee Rate Discounts - In addition to the zero-fee accounts, Luzhou Bank has negotiated with cash register system vendors to reduce channel flow fees by nearly 60%, alongside offering a waiver on collection service fees, creating a dual discount mechanism for supermarkets [3] - Large supermarket enterprises benefit the most from the reduced channel flow fees, with one contracted supermarket reportedly saving nearly 2,000 yuan monthly in settlement costs [3] Group 3: Employee Benefits - The bank has provided a benefits package for employees of contracted supermarkets, enhancing their sense of belonging and creating a positive cycle of cost reduction, workforce stability, and efficiency improvement [4] - The combination of zero fees and rate discounts can save enterprises approximately 20,000 yuan in operational costs annually, as noted by a supermarket manager [4] - The bank aims to cover 90% of supermarket enterprises in the area by the end of the year, contributing to the high-quality development of the real economy through targeted financial support [4]
泸州银行泸永江支行创新智慧收单服务 践行金融为民初心