Core Viewpoint - Donghai Rural Commercial Bank is leveraging the "3741" strategy from the Provincial Joint Bank to achieve high-quality development through organizational activation, leadership, talent cultivation, and performance management [1] Group 1: Organizational Activation - The bank is breaking down hierarchical barriers and maintaining a crisis awareness through a "last place elimination" approach, while injecting external energy via talent acquisition [2] - It is transforming transaction flow data into credit approval criteria and innovating products based on external market demands [2] - A quarterly "market situation assessment meeting" is held to address service pain points and foster a culture of crisis awareness [2] Group 2: Leadership Development - The selection criteria for leadership positions emphasize practical performance, using metrics such as "inclusive and micro-loan issuance" and "coverage rates" [3] - Employees with three consecutive years of excellent performance in remote towns are prioritized for leadership roles [3] - A "rigid accountability" system is implemented to ensure that performance targets are met and rewarded accordingly [3] Group 3: Talent System - The bank is establishing a "1+3" training system that combines online learning with practical offline scenarios to enhance business skills [4] - A dual-skill training program is being implemented to develop versatile talents capable of both service and marketing [4] - An "innovation contribution award" is introduced to incentivize teams that develop unique products [4] Group 4: Performance Management - The core of performance management is a "value creation closed loop," focusing on strategic implementation through a balanced scorecard approach [5] - The performance indicators are designed to emphasize quality efficiency, customer service, process efficiency, and sustainable growth [5] - A "strong incentive + hard constraint" system is in place to reward top performers while providing training for underperformers [5]