Zhong Guo Jin Rong Xin Xi Wang·2025-11-17 05:35Core Viewpoint - The Industrial and Commercial Bank of China Inner Mongolia Branch is enhancing personal loan services to support national policies aimed at boosting consumption and improving financial service accessibility for individuals [1]. Group 1: Service Network Development - The bank has established a three-tier service structure consisting of "personal loan marketing centers - service areas - recommended outlets," creating a service network that radiates from the center, supported by mid-level services, and covers various outlets [2]. - By leveraging a comprehensive range of "housing + non-housing" credit products, the bank is optimizing its product mix to better align with consumer scenarios, making it easier for residents to apply for personal loans [2]. Group 2: Technology Empowerment - The bank is promoting the use of smart tools such as mobile PADs and online personal loan services to enhance customer experience, allowing clients to easily submit loan applications through various digital platforms [3]. - Key performance indicators are dynamically monitored to continuously optimize resource allocation and process efficiency, leading to significant improvements in service delivery [3]. Group 3: Team Capability Enhancement - A specialized training team composed of business experts has been established to improve the quality and effectiveness of customer service at grassroots outlets, focusing on personal loan knowledge, product insights, compliance requirements, and service skills [4]. - Training methods include case analysis and practical simulations to enhance the professional skills and service capabilities of frontline staff, ensuring that customers receive professional and efficient personal loan services at convenient locations [4]. - The bank's efforts to enhance personal loan service capabilities have effectively expanded financial service coverage and significantly improved service efficiency and customer experience [4].