Core Insights - The People's Bank of China and six ministries issued guidelines to support and expand consumption, creating new opportunities for the consumer finance sector [1][2] - Harbin Consumer Finance Company has achieved significant milestones, with a cumulative investment exceeding 330 billion yuan and over 25 million customers [1] Group 1: Policy and Industry Context - The guidelines propose 19 measures across five dimensions to enhance consumer capacity, optimize financial services, and strengthen infrastructure support [1] - The consumer finance industry is entering a high-quality development phase following the implementation of these guidelines [2] Group 2: Company Initiatives and Achievements - Harbin Consumer Finance emphasizes compliance as a core principle, establishing a comprehensive compliance management system [1] - The company has been recognized for its compliance management, receiving an A-grade in the annual assessment by the People's Bank of China [1] - A consumer rights protection committee has been established, implementing a full-cycle consumer protection mechanism [2] Group 3: Technological Advancements and Customer Engagement - The company has accelerated the application of AI technology, improving service response efficiency by 40% through the use of intelligent voice robots [2] - Harbin Consumer Finance has launched financial education initiatives, reaching over 5 million people through various campaigns [2] - The company has been awarded the "Annual Social Responsibility" award, highlighting its commitment to serving the public [2]

Core Viewpoint - The traditional telemarketing model faces significant challenges and opportunities due to digital transformation, necessitating a reshaping of marketing strategies to remain competitive in the evolving market landscape [1]. Group 1: Digital Technology Driving Marketing Transformation - AI technology is a core driver of telemarketing digital transformation, with intelligent voice robots handling repetitive tasks, improving efficiency, and reducing labor costs [1]. - Natural Language Processing (NLP) enhances telemarketing systems' ability to understand customer language and intent, providing real-time analysis of customer needs and improving sales conversion rates [2]. - Big data analytics offers precise customer insights by integrating various data dimensions to create detailed customer profiles, enabling targeted marketing efforts [4]. - Cloud computing provides flexibility and scalability for telemarketing systems, allowing businesses to quickly adapt to varying call volumes and ensuring data security and availability [5]. Group 2: Transformation of Marketing Mindset and Processes - The marketing approach shifts from "selling products" to "providing value," focusing on customer needs and establishing long-term trust [6]. - Digital transformation requires comprehensive optimization of telemarketing processes, from lead generation to follow-up, utilizing digital tools for improved customer engagement [8]. Group 3: Digital Upgrade of Customer Experience - Personalized communication experiences are facilitated by digital technologies, allowing marketers to tailor interactions based on customer profiles and preferences [9]. - A multi-channel collaborative service system is essential, ensuring consistent and coherent customer service across various communication channels [9]. Group 4: Conclusion - Restructuring telemarketing strategies through the deep application of digital technologies, a shift in marketing mindset, and an upgrade in customer experience is crucial for companies to adapt to market changes and enhance competitiveness [1].