齐鲁晚报.齐鲁壹点李可通讯员李广元 "以前办业务要跑老远，现在银行工作人员主动上门了解需求，还推荐了适合的信贷产品，真是太方便 了！"辛集镇种植户李先生的这番话，充分体现了菏泽农商银行辛集支行网格营销服务的实际成效。为 提升基础客户营销质量和效率，该支行以行政村为单位划分服务网格，采用"三步走+智慧赋能"模式， 使金融服务精准覆盖乡村各个角落。 科学划分网格精准摸排需求 该支行依据辖内行政村的分布特征，科学地将服务区域划分为多个网格，并为每个网格配备了由"客户 经理+业务骨干"组成的专属服务团队，明确了各团队的责任和服务范围。在初次摸排阶段，团队成员 化身"金融网格员"，深入田间地头、农家小院和乡村商铺，逐户收集农户、个体工商户和小微企业的经 营情况、资金需求等信息。通过这一举措，该支行建立了包含基础信息、金融偏好和需求类型的详细台 账，确保对网格内客户的情况了如指掌。 依托数据分析实现精准营销 基于前期的摸排数据，该支行摒弃了"大水漫灌"式的推广方式，借助智慧营销系统对客户数据进行深度 分析，为客户生成精准画像。针对不同客户群体的特点，该支行推出了个性化的金融服务和产品。例 如，为芍药种植农户提供"牡丹芍药 ...

Group 1 - Heze Rural Commercial Bank's North City Branch focuses on serving the "three rural issues" by providing precise support, inclusive credit, and digital services, enhancing financial supply to agriculture [1][3] - The branch has developed a "one household, one policy" approach, offering tailored loan solutions like the "Peony and Chinese Herbal Medicine Loan" to meet the urgent needs of flower farmers, resulting in significant sales growth [1][2] - The bank has established a mechanism for "grid visits + demand archiving + precise measures," connecting with 320 major agricultural producers and launching specialized credit products for local特色产业, leading to increased income for farmers [1][2] Group 2 - The bank's innovative "pre-credit + standby fund" model has helped over 1,200 farmers secure more than 230 million yuan in standby funds, improving the utilization rate to 65% and addressing the challenges of long agricultural production cycles [2][3] - The "no-sense credit" system allows farmers to apply for loans online, significantly speeding up the loan approval process, with over 90% of agricultural loans processed on the same day [3] - As of now, the branch's agricultural loan balance has reached 520 million yuan, a 12% increase since the beginning of the year, supporting the development of 15特色农业产业基地 and benefiting over 3,000 farmers [3]