锻造“数字化转型”新引擎 激发高质量发展新动能

Core Viewpoint - Zhenjiang Rural Commercial Bank is actively exploring new paths for digital transformation by leveraging technology to enhance product innovation and service upgrades, aiming to achieve significant improvements in service quality and operational efficiency by mid-2025, with a goal to rank first among peer rural commercial banks in the province and the entire industry [1] Group 1: Digital Transformation Strategy - The bank has integrated its digital transformation into institutional processes, clearly defining its direction and path according to the "Three-Year Development Plan for Digital Transformation (2023-2025)" [1] - A leadership team and working groups have been established to oversee the transformation, with a dedicated data statistics center to manage data sources and support digital initiatives [1] - The bank is focusing on a dual-driven approach of business and technology to facilitate systemic changes and enhance the rapid response capability for new products and services [1] Group 2: Service Innovation - The bank is expanding its product offerings and enhancing service experiences by creating smart financial scenarios that integrate financial services into daily life [2] - Initiatives include the establishment of a female-themed bank and a "financial + private domain" operational system to provide a one-stop financial service platform [2] - The digital transformation has led to a fully digitized process for customer interactions, from marketing to loan repayment, significantly improving customer service experiences [2] Group 3: Process Optimization - The bank is building an integrated online and offline service system, utilizing emerging technologies to provide comprehensive financial services tailored to basic life scenarios [3] - Data analysis is being leveraged to meet customer needs more precisely, offering 24/7 support for individuals and small businesses [3] - Efficiency improvements include reducing the time for certain processes, such as shortening the confirmation fee business from 1-2 days to 5 minutes [3] Group 4: Risk Management Enhancement - The bank is utilizing big data, cloud computing, and artificial intelligence to advance the digitalization of its operational services, compliance management, and internal auditing [4] - A focus on digital risk management models is being implemented to enhance credit approval accuracy and streamline risk management processes [4] - The bank is shifting its auditing practices from reactive to proactive, employing dynamic monitoring and early intervention strategies to identify and address risks promptly [4]