Core Viewpoint - The article emphasizes that high-quality development is the primary task for building a modern socialist country, with Qidong Rural Commercial Bank focusing on digital transformation as a breakthrough for achieving this goal [1] Group 1: Digital Transformation Strategy - Qidong Rural Commercial Bank aims to leverage digital transformation to enhance financial services and support high-quality development through a long-term strategy of "technology-driven banking" [1] - The bank has outlined a digital transformation plan for 2024-2026, focusing on five key battles and five major articles to ensure systematic progress [2] - A leadership group has been established to oversee the transformation, ensuring professional and efficient execution across various departments [2] Group 2: Integration of Digital and Traditional Services - The bank is promoting a marketing model that combines digital tools with traditional outreach methods to better serve the real economy [1] - It has implemented a unified customer view to enhance service precision and marketing effectiveness through comprehensive data analysis [3] - The bank is also innovating service delivery through mobile payments and electronic banking to expand its reach beyond traditional branches [1][2] Group 3: Risk Management and Control - Risk prevention and control remain a core focus, with the bank utilizing digital transformation to enhance data analysis for better risk monitoring and assessment [1] - An intelligent risk control system has been established to integrate internal and external data for real-time monitoring and predictive analytics [3] - The bank emphasizes the importance of data security and risk management, ensuring a robust framework for safeguarding financial operations [3] Group 4: Sector-Specific Financial Services - The bank is developing tailored financial services for various sectors, including construction, fisheries, and elder care, to meet specific funding needs [4] - It has introduced innovative products like "project cash flow loans" for construction and "fishing vessel operation loans" to support the fishing industry [4] - The bank is also focusing on community services, offering solutions like community group buying and property management to enhance customer experience [5] Group 5: Commitment to Social Responsibility - Qidong Rural Commercial Bank is dedicated to the principle of "finance for the people," aiming to fulfill its social responsibilities while contributing to local economic development [5] - The bank plans to continue leveraging digital transformation to achieve breakthroughs in serving the real economy and managing financial risks [5]