Nengxiang Rural Commercial Bank pressed the loan marketing "fast -forward key"

Henan Daily client reporter Zeng Qian correspondent Jin Guoqiang

In order to promote the adjustment of the credit structure and broaden the channels of customer acquisition, the Inner Rural Commercial Bank takes the city's agricultural credit society system to "strive to market for 60 days, realize the new loan breakthrough" activity as an opportunity, establish a full marketing mechanism, and deeply excavate customer needs. Use the advantages of full use of live credit products, directional policies, precise efforts, accurate marketing in multi -industry and multi -field, and comprehensively promote loan marketing expansion and improvement. Since the launch of loan marketing activities in early August, the net increase in loans was 13.967 million yuan, and 146 small loans were put in small amounts and 87.2 million yuan.

Innovate leadership, work hard first. The bank is connected with government functional departments such as finance and taxation and large -scale and high -quality enterprises. According to the number of groups and cooperation in depth, interest rate discounts are determined, and employees are concentrated in marketing and batch credit; Vigorously market the "Pioneer Loan of Party Members"; rely on payment settlement, public account opening, alliance merchant cooperation, etc. to conduct carpet visits to large commercial supermarkets, wholesale markets, farmers' markets, and building materials cities, and strengthen the linkage of deposit, loan and online financial business Marketing; relying on smart marketing systems, carry out customer screening reviews online, implement "inductive credit", use mobile smart tellers to open mobile banking for customers to guide customers' mobile banking for lending operations, and guide customers to use self -use letters.

Deep dug potential to improve quality and efficiency. The bank establishes the number of customers to visit the account to do the normalized maintenance action of the "three one", that is, the customer manager contacts once a day, calls once a week, and visit once a month to ensure that the bank and the customer service are zero. Relying on the expansion of "Huinong and Huimin One Card" customers, start with the unit and community property company, to achieve centralized marketing and batches of customers in the form of "whole village credit" and "full community experience letter"; POS merchants and other electronic banking customers, choose key active users with large transaction volume, high transaction frequency, and extensive trading opponents to follow up. By deepening the connotation of service, enhanced the service radius of the service, enhance customer stickiness, steadily improve the quality and efficiency of loan marketing, and achieve credit. Business increased.

Reduce costs and benefit, efficient services. The bank has a greater influence of customers who have a greater influence on the epidemic and economic downturn, adopting measures such as exhibition period and no repayment of renewal loans to provide preferential policies for renewal; comprehensively and smooth loan application channels, improve the quality of credit hotline services, and set up full -time personnel. Accept the customer's loan application for a while; improve the functions of WeChat public account, mobile banking, and online banking, and respond to customer credit business needs in the whole period; comprehensively implement "paperless loans", streamline information, implement a list of credit materials, one paper, Inform, do it once to achieve the customer's "run only one trip"; focus on the county's characteristic economy, in accordance with the "guiding ideology of the retail business in batches, and focus on the different characteristics of different industries and groups, cooperate with the county agricultural and rural bureau, tobacco bureau and other departments. , To launch special credit products such as "shiitake mushroom loan" and "tobacco leaf loan" for shiitake mushrooms, tobacco -leaf planting households. The remaining 10,000 yuan and tobacco planting loans of more than 3,500 million yuan.

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