Core Viewpoint - Jingjiang Rural Commercial Bank is actively transforming its retail business to enhance service coverage and precision, aiming to build a retail financial service system that adapts to market changes [1][2] Group 1: Business Foundation Initiatives - The bank has implemented three major initiatives to strengthen its business foundation, including conducting special visits for bulk credit approvals, resulting in 10.5 billion yuan in pre-credits for 5,418 households to meet consumer needs such as home renovations and car purchases [1] - As of the end of September, the personal loan balance reached 8.607 billion yuan, an increase of 387 million yuan since the beginning of the year, with 655 new pre-credits amounting to 17.3 million yuan for individual businesses [1] - The bank has successfully regained 762 lost customers and activated 729 customers with unused credit, facilitating credit transactions for 1,108 merchant clients [1] Group 2: Future Development Paths - The bank plans to shift from "mortgage reliance" to "credit value" by focusing more on assessing customer credit status and "soft information" [1] - It aims to transition from "single-point customer acquisition" to "ecological bulk customer acquisition" by collaborating with government departments and industry associations to create a new ecosystem for bulk customer acquisition [1] - The bank intends to move from "traditional risk control" to "data-driven risk control" by establishing a credit scoring model tailored to local characteristics to enhance risk control accuracy [1]