Core Viewpoint - Huai'an Rural Commercial Bank is focusing on achieving its annual operational goals by addressing key challenges and enhancing its banking services through a strategic plan known as the "Five Major Hard Battles" [1][2][3] Group 1: Strategic Focus - The bank aims to implement the decisions from Jiangsu Rural Commercial Bank and its own leadership to ensure compliance with regulatory requirements while achieving the development goals set at the beginning of the year [2] - Emphasis is placed on strengthening practical efforts to boost credit issuance, with a focus on both retail and corporate sectors to ensure stable growth in effective credit and customer numbers [2][3] Group 2: Risk Management - The bank is committed to enhancing asset quality through proactive loan management and precise risk control in key areas, aiming for early identification and resolution of risks [2] - A special action plan called "Bad Debt Recovery Storm" will be launched to improve the effectiveness of bad asset disposal [2] Group 3: Efficiency and Collaboration - The bank plans to enhance its profitability by promoting both revenue growth and cost reduction, while also improving inter-departmental collaboration through project management to address business development bottlenecks [2] - There is a focus on leveraging digital intelligence to improve business and management efficiency [2] Group 4: Leadership and Development - The bank emphasizes the importance of party leadership in guiding its transformation and development, with a commitment to deepening education on central regulations and integrating party work with business operations [2] - Continuous improvement of staff professionalism and optimization of branch personnel allocation are key priorities to enhance branch efficiency [2][3] Group 5: Performance and Recognition - The bank reported positive trends in key operational indicators during the first half of the year, despite facing a challenging business environment [3] - Recognition of outstanding units and employees was part of the meeting, highlighting the importance of motivation and competition within the organization [3]