走在前，做示范！看这家农商银行如何传承“背包精神”服务地方经济发展

Core Viewpoint - The article highlights the exemplary career of Ma Baidang, a former director and loan officer at the Weijiaxie Credit Cooperative in Chengcheng County, Shaanxi Province, emphasizing the importance of community service and the "backpack spirit" in driving high-quality development in rural finance [1][16]. Group 1: Achievements and Recognition - The Chengcheng Rural Credit Cooperative achieved the highest number of "no-feeling" credit signings among farmers in the province for the first three quarters of 2025, with a significant improvement in credit client assessments, moving from seventh to second place in the city [2][17]. - Six credit cooperatives, including Yaotou and Weizhuang, completed their annual entity loan issuance tasks ahead of schedule, earning the "Excellent Award" for operational goal responsibility in 2025 at the provincial cooperative institutions conference [2][17]. Group 2: Leadership and Cultural Initiatives - The cooperative emphasizes the integration of party building, team development, and corporate culture to foster a strong sense of community and drive development, aiming to produce more leaders like Ma Baidang [5][20]. - The establishment of the Ma Baidang Memorial Hall serves as a platform to promote the spirit of dedication and service among employees, reinforcing the values of the cooperative [4][20]. Group 3: Marketing and Client Engagement Strategies - The cooperative is implementing a "three-year doubling" initiative for credit clients, with a focus on proactive marketing strategies to enhance service coverage and client engagement [11][27]. - The "721" work method, which allocates 70% of time to understanding clients' daily issues, 20% to discussing industry development, and 10% to addressing financial needs, is being adopted to improve client relationships and service delivery [11][29]. Group 4: Operational Mechanisms and Accountability - A monthly task list system is in place to ensure clear objectives, progress tracking, and accountability, fostering a culture of performance and responsibility among staff [30][31]. - The cooperative has established a rigorous evaluation and incentive mechanism that aligns performance outcomes with rewards, ensuring that diligent employees are recognized and rewarded [30][31].