菏泽农商银行辛集支行：网格化智慧营销 精准滴灌乡村金融

Core Insights - The article highlights the effective implementation of grid marketing services by Heze Rural Commercial Bank's Xinji Branch, which enhances customer engagement and financial service delivery in rural areas [1] Group 1: Service Model - The bank has divided its service area into multiple grids based on administrative village distribution, assigning dedicated service teams to each grid [2] - Each team consists of a "customer manager + business backbone" to ensure clear responsibilities and service coverage [2] Group 2: Data-Driven Marketing - The bank utilizes a smart marketing system to analyze customer data, moving away from a generalized promotion approach to create precise customer profiles [3] - Tailored financial products are offered based on customer characteristics, such as "Peony and Medicinal Herb Loan" for peony farmers and "Family Emergency Fund Loan" for families in need [3] Group 3: Follow-Up Services - Weekly review meetings are held to assess customer coverage and satisfaction, ensuring that unmet needs and potential customer losses are addressed [4] - The bank employs a closed-loop management model of "demand assessment - marketing - follow-up" to maintain service quality and customer satisfaction [4] - Future plans include optimizing the grid service system and leveraging the smart marketing system to continuously support rural revitalization and local economic development [4]