ZJB(SH:601860) Jiang Nan Shi Bao·2025-11-23 13:23Core Viewpoint - Kunshan Rural Commercial Bank is initiating a strategic innovation in remote credit business starting January 2024, aiming to integrate traditional credit risk control with the convenience of internet services, marking a significant systemic transformation in its operations [1][3]. Group 1: Mechanism and Efficiency - The remote credit model innovatively employs a "one on-site, one in-house" collaborative approach, enhancing resource optimization and significantly improving work efficiency [1]. - The complete imaging and video documentation generated during the process can be directly stored in the credit system, providing comprehensive and real-time evidence for approval decisions, thereby reducing operational risks and ensuring compliance [1]. - A fault-tolerant and due diligence exemption mechanism has been established to encourage credit managers to take calculated risks within a compliant framework, supporting business innovation [1]. Group 2: Technology and Innovation - The boundaries of remote banking services are continuously expanding, with ongoing optimization of the technology platform to achieve a closed-loop risk control process [2]. - An efficient decision-making mechanism is formed through immediate feedback from the approval end in case of anomalies, enhancing collaborative efficiency [2]. - The appointment system has been optimized to adjust the appointment slots dynamically based on seat availability, significantly improving customer service experience [2]. Group 3: Strategic Positioning - The remote credit business represents a transition from online channels to a new digital financial model, focusing on data as a key production factor and technology as the core driving force [2]. - The bank aims to build core competitiveness for the future by establishing a platform ecosystem [2]. - The remote model effectively addresses the challenges of "difficult and expensive financing" for small and micro enterprises, individual businesses, and farmers, thereby facilitating smoother financial support for the real economy [2]. Group 4: Systemic Transformation - The innovation in remote credit business is a profound systemic reshaping rather than a mere technological upgrade, enhancing the bank's core competitiveness and innovative vitality in the digital economy era [3].