Core Insights - Nantong Rural Commercial Bank is implementing a dual development strategy of "village credit enhancement" and "urban grid attack" to meet diverse financial needs in urban and rural areas [1][2]. Group 1: Urban and Rural Development - The bank's "100-day attack" initiative has resulted in the conversion of 212 clients and a credit amount of 53.93 million yuan in urban areas [2]. - In rural areas, the bank's credit coverage has reached 95% of households, with a total credit amount of 827 million yuan, creating a synergistic development model of "urban acceleration + rural expansion" [2]. Group 2: Process Control and Management - A special supervisory team for village credit and the 100-day initiative has been established, providing daily reports and real-time feedback to optimize solutions [3]. - The bank has implemented a three-tier mechanism of "image check-in + data reporting + case sharing" to create a complete management loop of "goal-execution-evaluation-optimization" [3]. Group 3: Product Innovation - The bank has streamlined its credit product system, eliminating 8 ineffective products and introducing new offerings such as "Veteran Entrepreneurship Loan" and "Carbon Reduction Tools" [4]. - In August, the bank successfully utilized 11.76 million yuan from the People's Bank of China’s carbon reduction tools, becoming the first rural commercial bank in Nantong to implement this policy [4]. Group 4: Technological Empowerment - The bank is leveraging big data technology to build a digital marketing system focused on refined customer management, efficient business processes, and comprehensive performance incentives [5]. - The bank is actively collecting grassroots practice cases to enhance efficiency and develop differentiated competitive strategies, aiming to reshape its core competitiveness [5].