线上活动策划是阅北科技赋能商家的另一重要手段。平台协助商家策划和执行限时优惠、团购等各种线 上活动,有效提升转化率。同时,平台充分利用算法推荐机制,确保商家内容能够精准推送给目标用户群 体。通过持续的数据分析与策略调整,阅北科技帮助商家实现了营销投入产出比的最优化。 凭借这种全面且细致入微的线上运营支持体系,阅北科技为众多商家量身打造了全方位、多层次的运营 服务方案。无论是从平台搭建、数据分析,还是用户引流、品牌推广等各个环节,阅北科技都提供了专业 而周到的支持,极大地优化了商家的线上运营流程,显著提升了商家的线上运营成效,帮助商家在激烈的市 场竞争中脱颖而出,实现了业绩的稳步增长。 面对当前众多商家在开展线上运营过程中普遍遭遇效果不佳、难以达到预期目标的困境,阅北科技经过 深入的市场调研和技术研发,精心推出了一项创新性的解决方案。该服务针对不同商家的具体需求提供 定制化的运营策略,有效提升商家的线上曝光率、用户粘性和销售转化率,从而全面改善商家的线上运营 效果,助力商家在激烈的市场竞争中脱颖而出。 在运营初期,阅北科技会深入了解商家业务特点和目标市场,通过数据分析和市场调研,为商家定制专属的 市场拓展方案。 ...

1 | | 天风证券 李璇 | | --- | --- | | | 华安基金 孔涛 | | | 申万菱信 黄书瀚 | | 时间 | 2025 年 5 月 9 日 | | 地点 | 公司会议室 | | 上市公司接待 | 董事长兼总经理孙松鹤、董事兼副总经理吴长峰、副总经理兼董事会 | | 人员姓名 | 秘书许恬 | | | 一、介绍环节 | | | 公司副总经理兼董事会秘书许恬就公司 年度及 年一季 2024 2025 | | | 度经营情况做了介绍。 | | | 二、问答环节 | | | 1、曼卡龙的优势是什么？在未来可能出现的困难及挑战？ | | | 答：我们核心优势在于线上化的能力，未来线下门店的运营想要突破 | | | 半径，就得借助强大的线上运营能力，所以这里最大、最重要的挑战 | | | 是对加盟商的筛选，我们需要能感知年轻消费者的需求，懂得如何线 | | | 上线下相结合进行运营的加盟商。 | | | 2、如何做符合年轻人喜好的产品？ | | | 答：在产品研发时，我们注重对消费者的研究，且要关注国际时尚资 | | 投资者关系活动 | 讯，将前沿的流行趋势融入设计，所以公司产品一定是从中国文化出 ...

Core Insights - Changshu Bank reported a solid performance in Q1 2025, with total assets reaching 389 billion yuan, total deposits exceeding 300 billion yuan at 309 billion yuan, and total loans at 249.6 billion yuan [1] - The bank achieved an operating income of 2.971 billion yuan, a year-on-year increase of 10.04%, and a net profit attributable to shareholders of 1.084 billion yuan, up 13.81% [1] - The bank maintained a non-performing loan ratio of 0.76% and a provision coverage ratio of 489.56%, indicating strong asset quality [1] Business Strategy - To address the pressure from narrowing interest margins, Changshu Bank focused on deepening traditional and supportive businesses, emphasizing service to small and micro enterprises [2] - The bank's personal loans accounted for 54.18% of total loans, with personal operating loans making up 69.30% of personal loans [2] - The bank increased its lending to the real economy and small enterprises, with a growth of 4.5 billion yuan in real economy loans and 2.9 billion yuan in small enterprise loans during the quarter [2] Diversification and Innovation - Changshu Bank is actively building a diversified growth system, focusing on key customer groups and businesses, and has established 24 growth centers targeting emerging fields such as technology finance, wealth management, and online operations [3] - In technology finance, the bank supported over 2,000 technology enterprises with a loan balance exceeding 12 billion yuan [3] - The bank is enhancing its middle business income through wealth management and has developed an online operation system that connects with 3.6 million social accounts [3] Growth Outlook - By transitioning from traditional business foundations to innovative business breakthroughs, Changshu Bank is opening new growth spaces while maintaining its traditional business advantages [4] - The bank is positioning itself to create real value through innovation as traditional interest margin benefits diminish [4]