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 and technology, specifically focusing on the case of Weiyuan Rural Commercial Bank, which aims to enhance service precision and efficiency in rural areas [1]. Group 1: Digital Transformation - The People's Bank of China in Neijiang is leveraging financial technology to empower rural revitalization and digital transformation in finance, using Weiyuan Rural Commercial Bank as a case study [1]. - A customer relationship management system has been developed to address traditional service bottlenecks, enabling a "data-driven + intelligent service" model [1]. Group 2: Customer Profiling - The bank has shifted from a broad approach to a more precise customer profiling method, utilizing multi-dimensional data sources to automatically create customer profiles and identify potential clients [2]. - The scoring system based on "marketing potential + contact channels + product gaps" allows for prioritization of service efforts, resulting in a significant increase in customer engagement and conversion rates [2]. Group 3: Efficient Client Engagement - The implementation of the customer relationship management system has transformed the client engagement process, allowing for personalized task packages that enhance the effectiveness of client visits [3]. - The average number of clients visited per month has increased from 28 to 71, and the daily visit count has risen from 2 to 4-5, significantly reducing ineffective visits [3]. Group 4: Comprehensive Management - The new system enables full tracking of client interactions, providing real-time updates and feedback mechanisms that enhance service quality and data collection for future strategy improvements [4]. - Key performance indicators such as "visit conversion rate" and "product click-through rate" are now regularly generated, facilitating better management oversight [4]. Group 5: Credit Activation - The bank has addressed the issue of dormant credit by identifying clients with approved but unused credit limits, leading to targeted outreach and activation of these resources [5]. - As of now, the bank has engaged with 5,221 out of 5,749 identified clients, activating 328 credit accounts with a total amount of 52 million yuan, averaging 158,000 yuan per activated account [5]. Group 6: Overall Impact - The integration of digital profiling, intelligent dispatch, closed-loop management, and credit activation has created a virtuous cycle in financial services, enhancing precision, accessibility, and resource utilization [5]. - The article emphasizes that leveraging technology and data is essential for achieving high-quality development in county-level financial services amidst the dual drivers of rural revitalization and digital transformation in China [5].