四川内江：科技赋能破解县域金融困局

Core Insights - The article discusses the transformation of financial services in county economies through digitalization, focusing on the case of Weiyuan Rural Commercial Bank, which aims to overcome traditional service bottlenecks by implementing a "data-driven + intelligent service" system [1]. Group 1: Digital Transformation - The bank has developed a customer relationship management system that integrates multiple data sources to create precise customer profiles, allowing for targeted marketing and service prioritization [2]. - The system updates customer tags weekly, ensuring that service efforts align with customer needs, resulting in a 100% coverage rate for task assignments and nearly doubling the customer conversion rate compared to traditional methods [2]. Group 2: Efficiency Improvement - The introduction of the customer relationship management system has increased the average number of clients visited by customer managers from 28 to 71 per month, with daily visits rising from 2 to 4-5 clients [3]. - Over 90% of customer managers reported a significant reduction in ineffective visits due to the combination of task lists and customer tags, enhancing the overall customer experience [3]. Group 3: Comprehensive Management - The system allows for real-time tracking of customer interactions, generating key performance indicators such as visit conversion rates and product click-through rates, which aids in service quality improvement [4]. - This closed-loop management system enables a complete cycle from tagging to feedback, enhancing process control and data accumulation for future strategy upgrades [4]. Group 4: Credit Activation - The bank's system identifies dormant credit lines and provides customer managers with detailed information to engage clients effectively, resulting in the activation of 328 credit lines amounting to 52 million yuan, with an average activation amount of 158,000 yuan per client [5]. - The approach has been positively received by clients, who appreciate the targeted service and professional engagement from the bank [5]. Group 5: Overall Impact - The integration of digital profiling, intelligent task assignment, comprehensive management, and credit activation has created a virtuous cycle in financial services, enhancing precision, accessibility, and resource utilization [5].