Core Points - The establishment of the Micro and Personal Loan Center by SPDB Yinchuan Branch is a significant step towards deepening business reform and optimizing service models [1][2] - The center aims to enhance risk control levels and improve approval efficiency, reflecting SPDB's commitment to serving local economic and social development [1] Group 1 - The Micro and Personal Loan Center is divided into three areas: customer service area, office area, and mortgage documentation area [1] - The customer service area facilitates standardized processes for pre-loan contract signing and post-loan services, providing a one-stop service [1] - The office area focuses on centralized operations, integrated services, standardized loan approvals, and precise post-loan management to enhance customer experience [1] Group 2 - The center's establishment is part of SPDB's strategy to provide refined and efficient services to micro and personal clients [2] - The bank aims to continuously optimize service quality and enhance customer experience and efficiency [2] - The goal is to create an integrated marketing service center that connects various channels and platforms for customer acquisition [2]